ટોચના 5 શ્રેષ્ઠ લાંબા ગાળાના બોન્ડ ફંડ્સ 2022

Updated on January 26, 2026 , 13772 views

શ્રેષ્ઠ લાંબા ગાળાના બોન્ડ ફંડ શોધી રહ્યાં છો? આ એવા રોકાણકારો માટે ફંડ છે જેઓ મધ્યથી લાંબા ગાળાની શોધ કરી રહ્યા છેરોકાણ યોજના, સામાન્ય રીતે 3-5 વર્ષ માટે. લાંબા ગાળાના બોન્ડ ફંડ્સ મુખ્યત્વે જી-સેક અને કોર્પોરેટમાં રોકાણ કરે છેબોન્ડ જે મધ્યમથી લાંબી પરિપક્વતા અવધિ ધરાવે છે.

આ ફંડ્સ વ્યાજ દરમાં ફેરફાર પ્રત્યે સંવેદનશીલ હોય છે અને અન્ય ડેટ કેટેગરીની સરખામણીમાં વધુ અસ્થિર હોઈ શકે છે.

લાંબા ગાળાના બોન્ડ્સમાં વ્યાજ દરો અને કિંમત

ડેટ સિક્યોરિટીઝના વ્યાજ દરો અને કિંમતો એક વ્યસ્ત સંબંધ ધરાવે છે, એટલે કે તેઓ વિરુદ્ધ દિશામાં આગળ વધે છે. ઉદાહરણ તરીકે, બોન્ડ ફંડ માટે વ્યાજ દરમાં ઘટાડો સારો છે. વ્યાજ દરમાં ઘટાડો દરમિયાન, બોન્ડના ભાવ વધે છે અને આ પ્રોત્સાહન આપે છેNAVs નાડેટ ફંડ યોજનાઓ

વ્યાજ દરોમાં ઘટાડો થવાથી લાંબા ગાળાની સિક્યોરિટીઝના ભાવમાં વધારો થાય છે, તેથી તેમાં રોકાણ કરવાની સલાહ આપવામાં આવે છે.લાંબા ગાળાના દેવું ભંડોળ જ્યારે વ્યાજદરમાં ઘટાડો થવાની ધારણા છે. રોકાણકારો કે જેઓ લાંબા ગાળા માટે રોકાણ કરવા માગે છે (એટલે કે, 3 વર્ષ અને તેથી વધુ), અને અમુક સ્તરનું જોખમ લઈ શકે છે, તેઓએ આદર્શ રીતે આ યોજનામાં રોકાણ કરવું જોઈએ.

તદુપરાંત, રોકાણકારો કે જેઓ વ્યાજ દરોમાં વધઘટ સાથે આરામદાયક છેબજાર આ રોકાણો સાથે આગળ વધી શકે છે. અહીં 2022 માટે ટોચના 10 શ્રેષ્ઠ લાંબા ગાળાના બોન્ડ ફંડ્સ છે.

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ટોચના 5 શ્રેષ્ઠ લાંબા ગાળાના બોન્ડ ફંડ્સ 2022

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Long Term Bond Fund Growth	₹90.1877 ↑ 0.13	₹1,039	5,000	1,000	-0.5	-0.6	3.9	7.1	5.1	7.53%	10Y 1M 17D	27Y 6M
HDFC Income Fund Growth	₹58.6812 ↑ 0.06	₹881	5,000	300	0.1	0.2	4.3	6.7	5.5	6.98%	6Y 9M 14D	13Y 22D
Aditya Birla Sun Life Income Fund Growth	₹126.347 ↑ 0.03	₹2,035	1,000	1,000	-0.2	0	4	6.4	5.1	7.24%	6Y 8M 23D	14Y 5M 23D
UTI Bond Fund Growth	₹74.0825 ↑ 0.06	₹310	1,000	500	0	0.5	4.5	6.6	5.6	7.45%	6Y 2M 5D	10Y 4M 24D
Kotak Bond Fund Growth	₹77.4911 ↑ 0.07	₹2,064	5,000	1,000	0	0.4	4.3	6.6	5.4	6.96%	5Y 11M 19D	12Y 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Long Term Bond Fund	HDFC Income Fund	Aditya Birla Sun Life Income Fund	UTI Bond Fund	Kotak Bond Fund
Point 1	Lower mid AUM (₹1,039 Cr).	Bottom quartile AUM (₹881 Cr).	Upper mid AUM (₹2,035 Cr).	Bottom quartile AUM (₹310 Cr).	Highest AUM (₹2,064 Cr).
Point 2	Established history (27+ yrs).	Established history (25+ yrs).	Oldest track record among peers (30 yrs).	Established history (27+ yrs).	Established history (26+ yrs).
Point 3	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 3.92% (bottom quartile).	1Y return: 4.33% (upper mid).	1Y return: 4.01% (bottom quartile).	1Y return: 4.51% (top quartile).	1Y return: 4.32% (lower mid).
Point 6	1M return: -0.15% (top quartile).	1M return: -0.19% (lower mid).	1M return: -0.33% (bottom quartile).	1M return: -0.23% (bottom quartile).	1M return: -0.18% (upper mid).
Point 7	Sharpe: -0.20 (bottom quartile).	Sharpe: -0.15 (upper mid).	Sharpe: -0.27 (bottom quartile).	Sharpe: -0.13 (top quartile).	Sharpe: -0.19 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.53% (top quartile).	Yield to maturity (debt): 6.98% (bottom quartile).	Yield to maturity (debt): 7.24% (lower mid).	Yield to maturity (debt): 7.45% (upper mid).	Yield to maturity (debt): 6.96% (bottom quartile).
Point 10	Modified duration: 10.13 yrs (bottom quartile).	Modified duration: 6.79 yrs (bottom quartile).	Modified duration: 6.73 yrs (lower mid).	Modified duration: 6.18 yrs (upper mid).	Modified duration: 5.97 yrs (top quartile).

ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,039 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 3.92% (bottom quartile).
1M return: -0.15% (top quartile).
Sharpe: -0.20 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.53% (top quartile).
Modified duration: 10.13 yrs (bottom quartile).

HDFC Income Fund

Bottom quartile AUM (₹881 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.33% (upper mid).
1M return: -0.19% (lower mid).
Sharpe: -0.15 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 6.79 yrs (bottom quartile).

Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,035 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.01% (bottom quartile).
1M return: -0.33% (bottom quartile).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.24% (lower mid).
Modified duration: 6.73 yrs (lower mid).

UTI Bond Fund

Bottom quartile AUM (₹310 Cr).
Established history (27+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.51% (top quartile).
1M return: -0.23% (bottom quartile).
Sharpe: -0.13 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.45% (upper mid).
Modified duration: 6.18 yrs (upper mid).

Kotak Bond Fund

Highest AUM (₹2,064 Cr).
Established history (26+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.32% (lower mid).
1M return: -0.18% (upper mid).
Sharpe: -0.19 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.96% (bottom quartile).
Modified duration: 5.97 yrs (top quartile).

1. 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.

Research Highlights for ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,039 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 3.92% (bottom quartile).
1M return: -0.15% (top quartile).
Sharpe: -0.20 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.53% (top quartile).
Modified duration: 10.13 yrs (bottom quartile).
Average maturity: 27.50 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~85%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~36.2%).
Top-3 holdings concentration ~52.2%.

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 (28 Jan 26)	₹90.1877 ↑ 0.13 (0.14 %)
Net Assets (Cr)	₹1,039 on 31 Dec 25
Category	Debt - Longterm Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.95
Sharpe Ratio	-0.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	27 Years 6 Months
Modified Duration	10 Years 1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,040
31 Dec 22	₹10,166
31 Dec 23	₹10,860
31 Dec 24	₹11,958
31 Dec 25	₹12,564

ICICI Prudential Long Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 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 28 Jan 26

Duration	Returns
1 Month	-0.1%
3 Month	-0.5%
6 Month	-0.6%
1 Year	3.9%
3 Year	7.1%
5 Year	4.7%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.1%
2023	10.1%
2022	6.8%
2021	1.3%
2020	0.4%
2019	11%
2018	12.1%
2017	6.8%
2016	4.1%
2015	15.7%

Fund Manager information for ICICI Prudential Long Term Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.95 Yr.
Raunak Surana	22 Jan 24	1.95 Yr.

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

Asset Allocation

Asset Class	Value
Cash	15.05%
Debt	84.63%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	79.44%
Cash Equivalent	15.05%
Corporate	5.19%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	36%	₹376 Cr	37,701,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	9%	₹94 Cr	10,000,000
Maharashtra (Government of) - \| -	7%	₹72 Cr	7,500,000
The Great Eastern Shipping Company Limited Debentures \| -	5%	₹54 Cr	536
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	5%	₹48 Cr	4,960,700
Maharashtra (Government of) - \| -	5%	₹48 Cr	5,000,000
Maharashtra (Government of) - \| -	5%	₹48 Cr	5,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	4%	₹40 Cr	4,038,300
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹39 Cr	4,000,000
Rajasthan (Government of ) - \| -	2%	₹25 Cr	2,500,000

2. HDFC Income Fund

Aims to optimise returns while maintaining a balance of safety, yield and liquidity.

Research Highlights for HDFC Income Fund

Bottom quartile AUM (₹881 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.33% (upper mid).
1M return: -0.19% (lower mid).
Sharpe: -0.15 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 6.79 yrs (bottom quartile).
Average maturity: 13.06 yrs (lower mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Government.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~16.0%).

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (28 Jan 26)	₹58.6812 ↑ 0.06 (0.10 %)
Net Assets (Cr)	₹881 on 31 Dec 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity	6.98%
Effective Maturity	13 Years 22 Days
Modified Duration	6 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,214
31 Dec 22	₹10,306
31 Dec 23	₹10,931
31 Dec 24	₹11,913
31 Dec 25	₹12,570

HDFC Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	0.1%
6 Month	0.2%
1 Year	4.3%
3 Year	6.7%
5 Year	4.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	9%
2022	6.1%
2021	0.9%
2020	2.1%
2019	9.3%
2018	8.7%
2017	3.6%
2016	1.3%
2015	14.5%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	18.32 Yr.
Dhruv Muchhal	22 Jun 23	2.53 Yr.

Data below for HDFC Income Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.84%
Equity	0.52%
Debt	91.34%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	75.48%
Corporate	15.87%
Cash Equivalent	7.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	16%	₹141 Cr	14,530,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	10%	₹92 Cr	9,000,000 ↓ -1,000,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	8%	₹68 Cr	6,500,000 ↓ -1,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	5%	₹46 Cr	4,500,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	5%	₹40 Cr	4,000,000 ↑ 3,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹35 Cr	3,500,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
6.52% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
6.54% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹25 Cr	25

3. Aditya Birla Sun Life Income Fund

(Erstwhile Aditya Birla Sun Life Income Plus)

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Research Highlights for Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,035 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 4.01% (bottom quartile).
1M return: -0.33% (bottom quartile).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.24% (lower mid).
Modified duration: 6.73 yrs (lower mid).
Average maturity: 14.48 yrs (bottom quartile).
Exit load: NIL.
Top sector: Utility.
Top bond sector: Government.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~18.3%).

Below is the key information for Aditya Birla Sun Life Income Fund

Aditya Birla Sun Life Income Fund Growth
Launch Date	21 Oct 95
NAV (28 Jan 26)	₹126.347 ↑ 0.03 (0.03 %)
Net Assets (Cr)	₹2,035 on 31 Dec 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-0.27
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	14 Years 5 Months 23 Days
Modified Duration	6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,401
31 Dec 22	₹10,645
31 Dec 23	₹11,352
31 Dec 24	₹12,304
31 Dec 25	₹12,937

Aditya Birla Sun Life Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Aditya Birla Sun Life Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26

Duration	Returns
1 Month	-0.3%
3 Month	-0.2%
6 Month	0%
1 Year	4%
3 Year	6.4%
5 Year	5.2%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.1%
2023	8.4%
2022	6.6%
2021	2.4%
2020	4%
2019	12.8%
2018	9.5%
2017	5.1%
2016	2.8%
2015	14.4%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	5.41 Yr.

Data below for Aditya Birla Sun Life Income Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	2.76%
Debt	96.92%
Other	0.32%

Debt Sector Allocation

Sector	Value
Government	70.77%
Corporate	26.15%
Cash Equivalent	2.76%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	18%	₹372 Cr	37,319,900 ↓ -3,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹144 Cr	14,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹135 Cr	13,656,100
Power Grid Corporation Of India Limited Debentures \| -	5%	₹99 Cr	10,000
Tata Capital Housing Finance Limited Debentures \| -	4%	₹75 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹75 Cr	7,500
Housing And Urban Development Corporation Limited Debentures \| -	4%	₹74 Cr	7,500
Bajaj Finance Limited Debentures \| -	2%	₹51 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹51 Cr	5,000
Madhya Pradesh (Government of) - \| -	2%	₹50 Cr	5,000,000

4. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

Research Highlights for UTI Bond Fund

Bottom quartile AUM (₹310 Cr).
Established history (27+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.51% (top quartile).
1M return: -0.23% (bottom quartile).
Sharpe: -0.13 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.45% (upper mid).
Modified duration: 6.18 yrs (upper mid).
Average maturity: 10.40 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Government.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~28.2%).
Top-3 holdings concentration ~44.5%.

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (28 Jan 26)	₹74.0825 ↑ 0.06 (0.09 %)
Net Assets (Cr)	₹310 on 31 Dec 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	10 Years 4 Months 24 Days
Modified Duration	6 Years 2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,943
31 Dec 22	₹12,025
31 Dec 23	₹12,799
31 Dec 24	₹13,881
31 Dec 25	₹14,664

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI 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 28 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	0%
6 Month	0.5%
1 Year	4.5%
3 Year	6.6%
5 Year	7.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.6%
2023	8.5%
2022	6.4%
2021	9.9%
2020	9.4%
2019	1.1%
2018	-5.8%
2017	4%
2016	3.6%
2015	13.9%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	2.71 Yr.
Amit Sharma	3 Nov 25	0.16 Yr.

Data below for UTI Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	2.32%
Debt	97.38%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	57.12%
Corporate	40.27%
Cash Equivalent	2.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	28%	₹87 Cr	899,990,000 ↓ -10,000
LIC Housing Finance Ltd Debentures \| -	8%	₹25 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	8%	₹25 Cr	2,500
7.24% Govt Stock 2055 Sovereign Bonds \| -	8%	₹25 Cr	250,000,000
7.08% A P Sgl Mat - 26/03/2037 Sovereign Bonds \| -	8%	₹24 Cr	250,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	6%	₹20 Cr	20
Muthoot Finance Limited Debentures \| -	6%	₹18 Cr	1,800
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
Piramal Finance Limited Debentures \| -	5%	₹15 Cr	1,500 ↑ 1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	4%	₹14 Cr	15

5. Kotak Bond Fund

(Erstwhile Kotak Bond Regular Plan Growth)

To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized

Research Highlights for Kotak Bond Fund

Highest AUM (₹2,064 Cr).
Established history (26+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 4.32% (lower mid).
1M return: -0.18% (upper mid).
Sharpe: -0.19 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.96% (bottom quartile).
Modified duration: 5.97 yrs (top quartile).
Average maturity: 12.02 yrs (upper mid).
Exit load: 0-3 Months (0.2%),3 Months and above(NIL).
Top sector: Industrials.
Top bond sector: Government.
Debt-heavy allocation (~74%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.09% Govt Stock 2054 (~12.3%).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (28 Jan 26)	₹77.4911 ↑ 0.07 (0.09 %)
Net Assets (Cr)	₹2,064 on 31 Dec 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-3 Months (0.2%),3 Months and above(NIL)
Yield to Maturity	6.96%
Effective Maturity	12 Years 7 Days
Modified Duration	5 Years 11 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,244
31 Dec 22	₹10,419
31 Dec 23	₹11,128
31 Dec 24	₹12,036
31 Dec 25	₹12,688

Kotak Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Kotak 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 28 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	0%
6 Month	0.4%
1 Year	4.3%
3 Year	6.6%
5 Year	4.8%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.4%
2023	8.2%
2022	6.8%
2021	1.7%
2020	2.4%
2019	12.3%
2018	10.3%
2017	5.2%
2016	0.9%
2015	14.3%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	17.73 Yr.

Data below for Kotak Bond Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	21.79%
Equity	4.13%
Debt	73.79%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	51.07%
Corporate	22.71%
Cash Equivalent	21.79%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	12%	₹254 Cr	25,980,000 ↓ -1,000,000
National Housing Bank Debentures \| -	7%	₹138 Cr	14,000
Gujarat (Government of) 0.0698% - \| -	5%	₹94 Cr	9,521,820
7.34% Govt Stock 2064 Sovereign Bonds \| -	4%	₹83 Cr	8,299,600 ↓ -1,000,000
Bihar (Government of) 0.0745% - \| -	4%	₹80 Cr	8,000,000
Bihar (Government of) 0.0752% - \| -	4%	₹80 Cr	8,000,000
Capital Infra Trust InvITs (Industrials) Equity, Since 31 Dec 25 \| CAPINVIT	4%	₹78 Cr	10,456,431 ↑ 10,456,431
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	4%	₹75 Cr	75
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	4%	₹75 Cr	75
Tamil Nadu (Government of) 0.0719% - \| -	3%	₹70 Cr	7,000,000

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