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Fincash » Mutual Funds » FD Vs Debt Fund

FD Vs Debt Mutual Fund

Updated on July 3, 2025 , 7873 views

FD vs Debt fund? Thinking where to invest your savings to earn good returns. Generally, people consider Investing in fixed deposit or FD to be the most convenient option as it is safe and offers fixed returns. But is it the best way? Though Fixed Deposit is an easy investment option for all, however, the returns of fixed deposits being taxable are much less as compared to a Debt Fund. Moreover, when held for a longer duration, Debt Mutual Funds offer good returns. Before making a final decision to invest in debt mutual funds or fixed deposits, go through the detailed comparison of these investments.

In summary:

FD-Vs-Debt-Fund

Debt Mutual Funds (Debt Fund) Vs Fixed Deposits (FD)

We would need to break this up by the ability to take a risk and the intended holding period of the investor in question.

Short Holding Period (1 Year or Less)

Here the options for debt fund would be limited to Liquid Funds, ultra-short term funds and short-term Income funds. While the returns or yields normally would go higher from liquid to ultra-short to Short term fund, the yield differential between these debt funds and a Fixed Deposit can be determined considering their returns in last one year.

Debt Mutual Fund (Category Average Return)

Type Of Debt Mutual Fund Last 1 yr. Return (%)
Liquid Fund 7.36
Ultra Short-term Debt Funds 9.18
Short-term Debt Funds 9.78
Dynamic Debt Funds 13.89
Long-term Debt Funds 13.19
Gilt Short-term Funds 11.76
Gilt Long-term Funds 15.06
Data as of 20th Feb 2017

Fixed Deposit or FD Average Return Rate

The Average Return rate of Fixed Deposits ranged from 8-8.5% p.a. in the year 2016 (so one can compare the above returns in the table). However, in the past one year, the return rate has dropped to 6.6-7.5% p.a.

With the above illustration, it is clear that the average rate of return of Debt Funds is better than that of Fixed Deposits.

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Long-Term Holding Period

With a long intended holding period, debt funds may prove to be better than FDs.

The options to invest here would be:

  • Long term income funds
  • Long-term gilt,
  • Corporate bond funds (high yield funds), in addition to the options mentioned above the liquid, ultra-short and short term funds may also be used.

Given that the holding period could be 3 years or more, we can say the following:

  • With Capital gains tax at 20% with indexation benefits, the net tax incidence would be minimal ( however one should calculate the tax incidence given the year of incurring tax)
  • Long term income funds/Gilt Funds with high yields and additionally, if interest rates move down would give very higher returns.
  • One could end up with high double digit returns with these debt funds.

Take the example below of returns on long-term income funds, the average last 1-year return for the category is 12.19% and last 3 years is 10.32% p.a. No FD could have given a similar return in the period. Gilt Fund returns are even higher. In the same period, last year FD rates would have been close to 8-8.5% per annum across most banks, (albeit today the rates have dropped further to 6.5 - 7.5%)

Last-1-Year-Return(%)-of-Long-Term-Income-Funds

Last-1-Year-Returns-of-Long-term-Gilt-Funds

So with an investor having a long intended holding period and interest rates falling, a debt fund (Long term income or Gilt) would give much better returns than an FD. Even in the case of interest rates not falling, high yield corporate bond funds would beat FDs in the same period.

Taxation on Debt Mutual Funds and Fixed Deposits

Taxation also plays an important role in determining the returns of the debt funds and fixed deposits. Typically, taxation on Fixed Deposits is 33% (marginal rate of tax) while on Debt Funds if one invests with a less than 3-year view then incurring dividend distribution tax would be a better option given that DDT (Dividend Distribution Tax) is deducted at approximately 25% (+surcharge etc). This shows that taxation on debt mutual funds is relatively lower than that in fixed deposits.

The additional benefits that come with debt funds are:

  • liquidity: money available within 1–2 days from Redemption
  • Professional management: ability to dynamically change strategy and take advantage of markets
  • No premature withdrawal penalty.

To sum up:

Parameters Mutual Funds Fixed Deposits
Rate of Returns No Assured Returns Fixed Returns
Inflation Adjusted Returns Potential of High Inflation Adjusted Returns Usually Low Inflation Adjusted Returns
Risk Low to High Risk (Depends of Fund Low Risk
Liquidity Liquid Liquid
Premature Withdrawal Allowed with Exit Load/No Load Allowed with Penalty
Cost of Investment Management Cost/Expense Ratio No Cost

Top 8 Best Performing Debt Funds 2025

Below is the list of Debt funds having Net Assets/AUM above 1000 Crore and sorted on 3 Year compounded (CAGR) returns.

1. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch.  Ranked 6 in Medium term Bond category.  Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan
Growth
Launch Date 25 Mar 09
NAV (04 Jul 25) ₹40.054 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹2,504 on 31 May 25
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 3.49
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity 7.43%
Effective Maturity 4 Years 10 Months 20 Days
Modified Duration 3 Years 7 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹11,450
30 Jun 22₹12,284
30 Jun 23₹15,252
30 Jun 24₹16,359
30 Jun 25₹18,635

Aditya Birla Sun Life Medium Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539
Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month 0.4%
3 Month 2.6%
6 Month 7.6%
1 Year 14%
3 Year 14.9%
5 Year 12.4%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 10.5%
2023 6.9%
2022 24.8%
2021 7.1%
2020 8.1%
2019 -4.4%
2018 5.6%
2017 7%
2016 10.9%
2015 9.5%
Fund Manager information for Aditya Birla Sun Life Medium Term Plan
NameSinceTenure
Sunaina Cunha1 Sep 1410.76 Yr.
Mohit Sharma6 Aug 204.82 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 May 25

Asset Allocation
Asset ClassValue
Cash4.19%
Equity4.22%
Debt91.37%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate58.19%
Government33.18%
Cash Equivalent4.19%
Credit Quality
RatingValue
A2.07%
AA40.72%
AAA54.93%
BBB2.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹216 Cr21,000,000
↑ 3,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
8%₹196 Cr18,696,700
↑ 5,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
8%₹194 Cr18,500,000
Nuvama Wealth Finance Limited
Debentures | -
4%₹96 Cr9,500
Jubilant Bevco Limited
Debentures | -
3%₹75 Cr7,400
↑ 7,400
National Bank For Financing Infrastructure And Development
Debentures | -
3%₹72 Cr7,000
Power Grid Corporation Of India Limited
Debentures | -
3%₹70 Cr7,000
360 One Prime Limited
Debentures | -
3%₹65 Cr6,500
SK Finance Limited
Debentures | -
3%₹65 Cr6,500
Narayana Hrudayalaya Limited
Debentures | -
2%₹61 Cr6,000

2. ICICI Prudential Constant Maturity Gilt Fund

The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch.  Ranked 6 in 10 Yr Govt Bond category.  Return for 2024 was 9.3% , 2023 was 7.7% and 2022 was 1.2% .

Below is the key information for ICICI Prudential Constant Maturity Gilt Fund

ICICI Prudential Constant Maturity Gilt Fund
Growth
Launch Date 12 Sep 14
NAV (04 Jul 25) ₹24.9312 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹2,551 on 31 May 25
Category Debt - 10 Yr Govt Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.39
Sharpe Ratio 2.16
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity 6.38%
Effective Maturity 9 Years 6 Months 4 Days
Modified Duration 6 Years 9 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,427
30 Jun 22₹10,385
30 Jun 23₹11,324
30 Jun 24₹12,130
30 Jun 25₹13,477

ICICI Prudential Constant Maturity Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Constant Maturity Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -0.2%
3 Month 2.4%
6 Month 6.4%
1 Year 11.2%
3 Year 9%
5 Year 6.2%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.3%
2023 7.7%
2022 1.2%
2021 2.8%
2020 13.6%
2019 12.8%
2018 9.7%
2017 2.4%
2016 16.2%
2015 6.9%
Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
NameSinceTenure
Manish Banthia22 Jan 241.36 Yr.
Raunak Surana22 Jan 241.36 Yr.

Data below for ICICI Prudential Constant Maturity Gilt Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash3.08%
Debt96.92%
Debt Sector Allocation
SectorValue
Government96.92%
Cash Equivalent3.08%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
36%₹930 Cr89,822,250
↑ 7,099,500
6.64% Govt Stock 2035
Sovereign Bonds | -
26%₹652 Cr63,500,000
7.1% Govt Stock 2034
Sovereign Bonds | -
25%₹635 Cr60,272,100
↓ -8,026,900
7.18% Govt Stock 2037
Sovereign Bonds | -
6%₹149 Cr14,000,000
6.19% Govt Stock 2034
Sovereign Bonds | -
2%₹50 Cr5,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
1%₹26 Cr2,500,000
6.67% Govt Stock 2035
Sovereign Bonds | -
1%₹26 Cr2,500,000
6.33% Gsec Mat - 05/05/2035
Sovereign Bonds | -
0%₹4 Cr413,500
↓ -27,950
Net Current Assets
Net Current Assets | -
2%₹41 Cr
Treps
CBLO/Reverse Repo | -
1%₹38 Cr

3. Aditya Birla Sun Life Dynamic Bond Fund

An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing in high quality debt and money market instruments.

Aditya Birla Sun Life Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 27 Sep 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 16 in Dynamic Bond category.  Return for 2024 was 8.8% , 2023 was 6.9% and 2022 was 6% .

Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund

Aditya Birla Sun Life Dynamic Bond Fund
Growth
Launch Date 27 Sep 04
NAV (04 Jul 25) ₹46.5555 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹1,950 on 31 May 25
Category Debt - Dynamic Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.21
Sharpe Ratio 1.67
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity 7.05%
Effective Maturity 11 Years 4 Months 13 Days
Modified Duration 6 Years 10 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,759
30 Jun 22₹11,012
30 Jun 23₹12,133
30 Jun 24₹13,020
30 Jun 25₹14,261

Aditya Birla Sun Life Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -0.6%
3 Month 1.5%
6 Month 5.2%
1 Year 9.6%
3 Year 9%
5 Year 7.2%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.8%
2023 6.9%
2022 6%
2021 4.9%
2020 9.7%
2019 -0.9%
2018 5.7%
2017 2.2%
2016 14%
2015 7.4%
Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
NameSinceTenure
Mohit Sharma22 Mar 214.2 Yr.
Bhupesh Bameta6 Aug 204.82 Yr.

Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash3.03%
Debt96.72%
Other0.26%
Debt Sector Allocation
SectorValue
Government53.4%
Corporate43.32%
Cash Equivalent3.03%
Credit Quality
RatingValue
A2.12%
AA12.47%
AAA85.42%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2037
Sovereign Bonds | -
22%₹417 Cr40,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹170 Cr16,500,100
↑ 8,500,000
Power Finance Corporation Limited
Debentures | -
7%₹128 Cr12,500
Indian Railway Finance Corporation Limited
Debentures | -
4%₹82 Cr8,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
4%₹82 Cr8,000
Bharti Telecom Limited
Debentures | -
4%₹78 Cr7,500
Ntpc Limited
Debentures | -
4%₹77 Cr7,500
State Bank Of India
Debentures | -
4%₹76 Cr75
National Bank For Financing Infrastructure And Development
Debentures | -
3%₹61 Cr6,000
Jubilant Bevco Limited
Debentures | -
3%₹61 Cr6,000
↑ 6,000

4. ICICI Prudential Gilt Fund

(Erstwhile ICICI Prudential Long Term Gilt Fund)

To generate income through investment in Gilts of various maturities.

ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.4% since its launch.  Ranked 5 in Government Bond category.  Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% .

Below is the key information for ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund
Growth
Launch Date 19 Aug 99
NAV (04 Jul 25) ₹103.409 ↑ 0.05   (0.05 %)
Net Assets (Cr) ₹7,347 on 31 May 25
Category Debt - Government Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.12
Sharpe Ratio 1.82
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.45%
Effective Maturity 9 Years 4 Months 17 Days
Modified Duration 3 Years 6 Months

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,413
30 Jun 22₹10,601
30 Jun 23₹11,581
30 Jun 24₹12,476
30 Jun 25₹13,676

ICICI Prudential Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -0.2%
3 Month 1.9%
6 Month 5.4%
1 Year 9.6%
3 Year 8.9%
5 Year 6.4%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.2%
2023 8.3%
2022 3.7%
2021 3.8%
2020 12.6%
2019 10.8%
2018 6.8%
2017 2.1%
2016 18.2%
2015 5.5%
Fund Manager information for ICICI Prudential Gilt Fund
NameSinceTenure
Manish Banthia22 Jan 241.36 Yr.
Raunak Surana22 Jan 241.36 Yr.

Data below for ICICI Prudential Gilt Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash29.77%
Debt70.23%
Debt Sector Allocation
SectorValue
Government70.23%
Cash Equivalent29.77%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
24%₹1,795 Cr170,285,400
↓ -59,887,100
7.81% Govt Stock 2033
Sovereign Bonds | -
13%₹977 Cr94,096,700
7.34% Govt Stock 2064
Sovereign Bonds | -
11%₹841 Cr79,038,200
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹668 Cr64,485,590
↓ -33,517,710
182 DTB 10072025
Sovereign Bonds | -
5%₹398 Cr40,000,000
↑ 40,000,000
7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -
3%₹222 Cr21,496,400
182 DTB 24072025
Sovereign Bonds | -
3%₹198 Cr20,000,000
7.14% Maharashtra SDL 2039
Sovereign Bonds | -
3%₹187 Cr18,000,000
6.9% Govt Stock 2065
Sovereign Bonds | -
2%₹151 Cr15,000,000
91 Days Tbill Red 12-06-2025
Sovereign Bonds | -
1%₹100 Cr10,000,000
↑ 10,000,000

5. SBI Magnum Constant Maturity Fund

(Erstwhile SBI Magnum Gilt Fund Short Term)

To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt.

SBI Magnum Constant Maturity Fund is a Debt - 10 Yr Govt Bond fund was launched on 30 Dec 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 1 in 10 Yr Govt Bond category.  Return for 2024 was 9.1% , 2023 was 7.5% and 2022 was 1.3% .

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund
Growth
Launch Date 30 Dec 00
NAV (04 Jul 25) ₹64.2147 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹1,944 on 31 May 25
Category Debt - 10 Yr Govt Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.64
Sharpe Ratio 1.93
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.09%
Effective Maturity 9 Years 8 Months 8 Days
Modified Duration 6 Years 10 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,330
30 Jun 22₹10,304
30 Jun 23₹11,225
30 Jun 24₹12,032
30 Jun 25₹13,268

SBI Magnum Constant Maturity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Magnum Constant Maturity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -0.4%
3 Month 2%
6 Month 5.8%
1 Year 10.4%
3 Year 8.7%
5 Year 5.8%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.1%
2023 7.5%
2022 1.3%
2021 2.4%
2020 11.6%
2019 11.9%
2018 9.9%
2017 6.2%
2016 12.8%
2015 9.1%
Fund Manager information for SBI Magnum Constant Maturity Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.58 Yr.
Tejas Soman1 Dec 231.5 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash2.29%
Debt97.71%
Debt Sector Allocation
SectorValue
Government97.71%
Cash Equivalent2.29%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
71%₹1,371 Cr131,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
27%₹511 Cr49,000,000
Net Receivable / Payable
CBLO | -
2%₹31 Cr
Treps
CBLO/Reverse Repo | -
1%₹13 Cr

6. ICICI Prudential Long Term Bond Fund

(Erstwhile ICICI Prudential Income Plan)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Long Term Bond Fund is a Debt - Longterm Bond fund was launched on 9 Jul 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch.  Ranked 12 in Longterm Bond category.  Return for 2024 was 10.1% , 2023 was 6.8% and 2022 was 1.3% .

Below is the key information for ICICI Prudential Long Term Bond Fund

ICICI Prudential Long Term Bond Fund
Growth
Launch Date 9 Jul 98
NAV (04 Jul 25) ₹90.2984 ↑ 0.02   (0.02 %)
Net Assets (Cr) ₹1,230 on 31 May 25
Category Debt - Longterm Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.97
Sharpe Ratio 1.65
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 18 Years 9 Months 7 Days
Modified Duration 7 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,246
30 Jun 22₹10,103
30 Jun 23₹10,968
30 Jun 24₹11,817
30 Jun 25₹12,939

ICICI Prudential Long Term Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for ICICI Prudential Long Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -1%
3 Month 1%
6 Month 4.9%
1 Year 9.6%
3 Year 8.6%
5 Year 5.2%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 10.1%
2023 6.8%
2022 1.3%
2021 0.4%
2020 11%
2019 12.1%
2018 6.8%
2017 4.1%
2016 15.7%
2015 5.1%
Fund Manager information for ICICI Prudential Long Term Bond Fund
NameSinceTenure
Manish Banthia22 Jan 241.36 Yr.
Raunak Surana22 Jan 241.36 Yr.

Data below for ICICI Prudential Long Term Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash31.42%
Debt68.35%
Other0.23%
Debt Sector Allocation
SectorValue
Government50.5%
Cash Equivalent31.42%
Corporate17.85%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
33%₹401 Cr37,701,500
The Great Eastern Shipping Company Limited
Debentures | -
4%₹54 Cr536
HDFC Bank Limited
Debentures | -
4%₹52 Cr5,000
LIC Housing Finance Ltd
Debentures | -
4%₹52 Cr500
7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -
4%₹51 Cr4,960,700
6.9% Govt Stock 2065
Sovereign Bonds | -
4%₹50 Cr5,000,000
7.14% Maharashtra SDL 2039
Sovereign Bonds | -
3%₹42 Cr4,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
3%₹36 Cr3,500,000
LIC Housing Finance Ltd
Debentures | -
2%₹26 Cr2,500
7.09% Govt Stock 2074
Sovereign Bonds | -
2%₹26 Cr2,500,000

7. Nippon India Dynamic Bond Fund

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments.

Nippon India Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 15 Nov 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.6% since its launch.  Return for 2024 was 9% , 2023 was 6.7% and 2022 was 2.4% .

Below is the key information for Nippon India Dynamic Bond Fund

Nippon India Dynamic Bond Fund
Growth
Launch Date 15 Nov 04
NAV (04 Jul 25) ₹37.538 ↑ 0.06   (0.15 %)
Net Assets (Cr) ₹4,613 on 31 May 25
Category Debt - Dynamic Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 0.71
Sharpe Ratio 2.57
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 6.33%
Effective Maturity 5 Years 14 Days
Modified Duration 4 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,389
30 Jun 22₹10,419
30 Jun 23₹11,331
30 Jun 24₹12,104
30 Jun 25₹13,356

Nippon India Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -0.5%
3 Month 2.4%
6 Month 5.5%
1 Year 10.2%
3 Year 8.5%
5 Year 5.9%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9%
2023 6.7%
2022 2.4%
2021 2.7%
2020 11.3%
2019 8.4%
2018 4.7%
2017 3.1%
2016 13.9%
2015 5.7%
Fund Manager information for Nippon India Dynamic Bond Fund
NameSinceTenure
Vivek Sharma25 Jun 204.94 Yr.
Pranay Sinha31 Mar 214.17 Yr.
Kinjal Desai25 May 187.02 Yr.

Data below for Nippon India Dynamic Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash3.33%
Debt96.39%
Other0.28%
Debt Sector Allocation
SectorValue
Government96.39%
Cash Equivalent3.33%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.83 MH Sdl 2030
Sovereign Bonds | -
7%₹311 Cr29,400,000
07.78 MH Sgs 2030
Sovereign Bonds | -
5%₹256 Cr24,100,200
07.04 Tn SDL 2030
Sovereign Bonds | -
5%₹237 Cr23,078,300
7.17% Govt Stock 2030
Sovereign Bonds | -
4%₹172 Cr16,500,000
07.70 MH Sgs 2030
Sovereign Bonds | -
3%₹143 Cr13,500,000
07.76 MH Sgs 2030
Sovereign Bonds | -
3%₹132 Cr12,500,000
07.02 Tn SDL 2030
Sovereign Bonds | -
3%₹128 Cr12,500,000
07.86 MH Sdl 2030
Sovereign Bonds | -
3%₹117 Cr11,000,000
06.65 GJ Sdl 2030
Sovereign Bonds | -
2%₹113 Cr11,200,000
07.60 MH Sdl 2030
Sovereign Bonds | -
2%₹110 Cr10,500,000

8. ICICI Prudential Bond Fund

(Erstwhile ICICI Prudential Income Opportunities Fund)

ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities

ICICI Prudential Bond Fund is a Debt - Medium to Long term fund was launched on 18 Aug 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.6% since its launch.  Ranked 19 in Medium to Long term category.  Return for 2024 was 8.6% , 2023 was 7.7% and 2022 was 3.1% .

Below is the key information for ICICI Prudential Bond Fund

ICICI Prudential Bond Fund
Growth
Launch Date 18 Aug 08
NAV (04 Jul 25) ₹40.4425 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹2,889 on 31 May 25
Category Debt - Medium to Long term
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.11
Sharpe Ratio 2.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-6 Months (1%),6 Months and above(NIL)
Yield to Maturity 6.79%
Effective Maturity 11 Years 11 Months 5 Days
Modified Duration 5 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,512
30 Jun 22₹10,635
30 Jun 23₹11,517
30 Jun 24₹12,372
30 Jun 25₹13,571

ICICI Prudential Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Jul 25

DurationReturns
1 Month -0.2%
3 Month 1.8%
6 Month 5.3%
1 Year 9.8%
3 Year 8.4%
5 Year 6.3%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.6%
2023 7.7%
2022 3.1%
2021 2.9%
2020 11.5%
2019 10.9%
2018 4.6%
2017 5.3%
2016 11.3%
2015 8.5%
Fund Manager information for ICICI Prudential Bond Fund
NameSinceTenure
Darshil Dedhia22 Jan 241.36 Yr.
Rohit Lakhotia12 Jun 231.97 Yr.

Data below for ICICI Prudential Bond Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash13.8%
Debt85.91%
Other0.3%
Debt Sector Allocation
SectorValue
Government58.07%
Corporate31.09%
Cash Equivalent10.54%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
13%₹364 Cr34,206,000
7.1% Govt Stock 2034
Sovereign Bonds | -
12%₹345 Cr32,759,600
↓ -32,761,800
7.81% Govt Stock 2033
Sovereign Bonds | -
7%₹210 Cr20,245,450
LIC Housing Finance Ltd
Debentures | -
6%₹165 Cr1,600
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹151 Cr14,596,560
↑ 1,780,810
HDFC Bank Limited
Debentures | -
5%₹138 Cr13,200
Summit Digitel Infrastructure Limited
Debentures | -
4%₹121 Cr11,650
HDFC Bank Limited
Debentures | -
4%₹109 Cr1,100
7.02% Govt Stock 2031
Sovereign Bonds | -
3%₹84 Cr8,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
3%₹77 Cr7,500,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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