Table of Contents

મધ્યમથી લાંબા સમયગાળાના મ્યુચ્યુઅલ ફંડની ઝાંખી
ડેટ મ્યુચ્યુઅલ ફંડમાં કરવેરા
- શોર્ટ ટર્મ કેપિટલ ગેન્સ
- લાંબા ગાળાના મૂડી લાભો
નાણાકીય વર્ષ 22 - 23 ના ટોચના 11 શ્રેષ્ઠ પ્રદર્શન માધ્યમથી લાંબા ગાળાના ભંડોળ
મધ્યમથી લાંબા સમયગાળાના ભંડોળમાં કેવી રીતે રોકાણ કરવું?
Top 9 Debt - Medium to Long term

શ્રેષ્ઠ માધ્યમથી લાંબા ગાળાના ભંડોળ 2022

Updated on April 28, 2025 , 2104 views

4 થી 7 વર્ષની વચ્ચે નાણાંનું રોકાણ કરવા ઈચ્છો છો, પરંતુ ઈચ્છતા નથીબજાર તમારા રોકાણને અસર કરવાની અસ્થિરતા? પછી અહીં એક ફંડ છે જે તમારે જોવાની જરૂર છે. મિડિયમ ટુ લોંગ ડ્યુરેશન ફંડ એ ડેટ ફંડનો એક પ્રકાર છે જે 4 થી 7 વર્ષની વચ્ચે મેકોલે સમયગાળો ધરાવે છે. તેથી, જો તમે મધ્યથી લાંબા ગાળે તમારી સંપત્તિમાંથી શ્રેષ્ઠ વળતર મેળવવા માંગતા હો, તો મધ્યમથી લાંબા ગાળાના ભંડોળ તમારા માટે એક આદર્શ ફંડ બની શકે છે.

મધ્યમથી લાંબા સમયગાળાના મ્યુચ્યુઅલ ફંડની ઝાંખી

મધ્યમથી લાંબા સમયગાળાના ફંડ્સ ડેટમાં રોકાણ કરે છે અનેમની માર્કેટ 4 થી 7 વર્ષ (મેકોલે અવધિ) વચ્ચેની સરેરાશ પરિપક્વતા ધરાવતા સાધનો. આ ફંડ્સ વધુ સારું વળતર આપી શકે છે, પરંતુ વ્યાજ દરમાં ફેરફાર માટે વધુ સંવેદનશીલ હોઈ શકે છે. જ્યારે વ્યાજ દર વધે છે ત્યારે બોન્ડની કિંમત ઘટે છે અને તેનાથી ઊલટું. જેમ કે આવા ડેટ ફંડ્સ વ્યાજ દરની વધઘટના સંપર્કમાં આવે છે, તે ની કિંમતોમાં ખલેલ પહોંચાડે છેઅંતર્ગત બોન્ડ ફંડ પોર્ટફોલિયોમાં.

જે રોકાણકારો મધ્યમથી લાંબા ગાળાના ફંડમાં રોકાણ કરવા માગે છે તેઓ અમુક સ્તરના જોખમને સહન કરવા સક્ષમ હોવા જોઈએ, કારણ કે આવા ડેટ ફંડ સંપૂર્ણપણે જોખમ-મુક્ત નથી. ડેટ ફંડ્સમાં ઓછી અવધિ, ટૂંકી અવધિ, મધ્યમ અવધિ, મધ્યમ-થી-લાંબા સમયગાળા અને લાંબા સમયગાળાના ભંડોળથી લઈને વિવિધ પરિપક્વતા યોજનાઓની પસંદગી હોય છે. ડેટ ફંડમાં તેમના રોકાણમાંથી શ્રેષ્ઠ લાભ મેળવવા માટે, રોકાણકારોએ તેમની પાકતી મુદતના આધારે રોકાણ નક્કી કરવું જરૂરી છે. જેમ કહ્યું, જો તમે એક વર્ષની સમયમર્યાદા જોઈ રહ્યા છોરોકાણ યોજના, પછી, ટૂંકી અવધિડેટ ફંડ આદર્શ રીતે અનુકૂળ થઈ શકે છે.

ડેટ મ્યુચ્યુઅલ ફંડમાં કરવેરા

ડેટ ફંડ્સ પર ટેક્સની સૂચિ નીચેની રીતે ગણવામાં આવે છે-

શોર્ટ ટર્મ કેપિટલ ગેન્સ

જો ડેટ ઇન્વેસ્ટમેન્ટનો હોલ્ડિંગ પિરિયડ 36 મહિના કરતાં ઓછો હોય, તો તેને ટૂંકા ગાળાના રોકાણ તરીકે વર્ગીકૃત કરવામાં આવે છે અને તેના પર વ્યક્તિના ટેક્સ સ્લેબ મુજબ કર લાદવામાં આવે છે.

લાંબા ગાળાના મૂડી લાભો

જો ડેટ રોકાણનો હોલ્ડિંગ સમયગાળો 36 મહિનાથી વધુ હોય, તો તેને લાંબા ગાળાના રોકાણ તરીકે વર્ગીકૃત કરવામાં આવે છે અને તેના પર ઇન્ડેક્સેશન લાભ સાથે 20% કર લાદવામાં આવે છે.

પાટનગર લાભ થાય છે	રોકાણ હોલ્ડિંગ ગેન્સ	કરવેરા
ટુંકી મુદત નુંમૂડી વધારો	36 મહિના કરતાં ઓછા	વ્યક્તિના ટેક્સ સ્લેબ મુજબ
લાંબા ગાળાના મૂડી લાભો	36 મહિનાથી વધુ	ઇન્ડેક્સેશન લાભો સાથે 20%

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નાણાકીય વર્ષ 22 - 23 ના ટોચના 11 શ્રેષ્ઠ પ્રદર્શન માધ્યમથી લાંબા ગાળાના ભંડોળ

Fund	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Bond Fund Growth	3.8	5.8	11.2	8.1	8.6	7.13%	6Y 7M 24D	13Y 9M 18D
HDFC Income Fund Growth	3.8	5.5	11.1	7.3	9	6.95%	6Y 8M 23D	12Y 3M 18D
LIC MF Bond Fund Growth	3.8	5.6	11	7.9	9	6.96%	6Y 14D	8Y 29D
UTI Bond Fund Growth	3.7	5.5	10.9	10.2	8.5	7.17%	6Y 5M 1D	9Y 11M 5D
Aditya Birla Sun Life Income Fund Growth	3.7	5.2	10.9	7.2	8.4	7.1%	6Y 7M 10D	16Y 25D
Nippon India Income Fund Growth	3.6	5.2	10.5	7.6	8.1	7.13%	6Y 5M 23D	11Y 10M 13D
SBI Magnum Income Fund Growth	3.5	5.1	10.3	7.6	8.1	7.42%	6Y 2M 26D	10Y 6M 14D
Kotak Bond Fund Growth	3.5	4.9	10.3	7.3	8.2	6.91%	6Y 6M 18D	12Y 10M 10D
Canara Robeco Income Fund Growth	3.3	4.7	9.7	6.5	7.6	6.96%	5Y 6M 2D	11Y 8M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Apr 25

1. 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 8.7% 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 (30 Apr 25)	₹40.164 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹2,816 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	1.04
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	7.13%
Effective Maturity	13 Years 9 Months 18 Days
Modified Duration	6 Years 7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,884
30 Apr 22	₹11,105
30 Apr 23	₹11,825
30 Apr 24	₹12,634

ICICI Prudential 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 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 30 Apr 25

Duration	Returns
1 Month	1.8%
3 Month	3.8%
6 Month	5.8%
1 Year	11.2%
3 Year	8.1%
5 Year	7%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Darshil Dedhia	22 Jan 24	1.19 Yr.
Rohit Lakhotia	12 Jun 23	1.81 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.98%
Debt	95.72%
Other	0.3%

Debt Sector Allocation

Sector	Value
Government	64.38%
Corporate	31.34%
Cash Equivalent	3.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	26%	₹728 Cr	69,681,600 ↓ -4,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	15%	₹416 Cr	39,206,000
7.81% Govt Stock 2033 Sovereign Bonds \| -	7%	₹210 Cr	20,245,450
LIC Housing Finance Limited Debentures \| -	6%	₹164 Cr	1,600
HDFC Bank Limited Debentures \| -	5%	₹135 Cr	13,200
Summit Digitel Infrastructure Ltd Debentures \| -	4%	₹119 Cr	11,650
HDFC Bank Limited Debentures \| -	4%	₹108 Cr	1,100
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹83 Cr	8,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹77 Cr	7,500,000
Pipeline Infrastructure Private Limited Debentures \| -	3%	₹76 Cr	7,400

2. HDFC Income Fund

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

HDFC Income Fund is a Debt - Medium to Long term fund was launched on 11 Sep 00. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 29 in Medium to Long term category. Return for 2024 was 9% , 2023 was 6.1% and 2022 was 0.9% .

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (30 Apr 25)	₹58.3537 ↓ -0.04 (-0.07 %)
Net Assets (Cr)	₹885 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.53
Sharpe Ratio	0.67
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	6.95%
Effective Maturity	12 Years 3 Months 18 Days
Modified Duration	6 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,599
30 Apr 22	₹10,716
30 Apr 23	₹11,230
30 Apr 24	₹11,908

HDFC 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 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 30 Apr 25

Duration	Returns
1 Month	1.9%
3 Month	3.8%
6 Month	5.5%
1 Year	11.1%
3 Year	7.3%
5 Year	5.7%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	0.9%
2021	2.1%
2020	9.3%
2019	8.7%
2018	3.6%
2017	1.3%
2016	14.5%
2015	5.3%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.57 Yr.
Dhruv Muchhal	22 Jun 23	1.78 Yr.

Data below for HDFC Income Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	6.11%
Debt	93.66%
Other	0.23%

Debt Sector Allocation

Sector	Value
Government	78.36%
Corporate	14.82%
Cash Equivalent	6.11%
Securitized	0.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	22%	₹170 Cr	17,000,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	13%	₹102 Cr	10,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	13%	₹98 Cr	9,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	11%	₹85 Cr	8,500,000 ↑ 8,500,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	5%	₹35 Cr	3,500,000 ↑ 3,500,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹25 Cr	2,500 ↑ 2,500
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
6.68% Govt Stock 2031 Sovereign Bonds \| -	3%	₹24 Cr	2,500,000 ↑ 1,000,000
Indigrid Infrastructure Trust Debentures \| -	3%	₹23 Cr	230,000

3. LIC MF Bond Fund

LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Bond Fund is a Debt - Medium to Long term fund was launched on 15 Sep 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch. Return for 2024 was 9% , 2023 was 6.5% and 2022 was 2.8% .

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund Growth
Launch Date	15 Sep 99
NAV (30 Apr 25)	₹72.2842 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹196 on 15 Apr 25
Category	Debt - Medium to Long term
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	6.96%
Effective Maturity	8 Years 29 Days
Modified Duration	6 Years 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,493
30 Apr 22	₹10,576
30 Apr 23	₹11,291
30 Apr 24	₹11,953

LIC MF Bond 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 LIC MF 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 30 Apr 25

Duration	Returns
1 Month	1.9%
3 Month	3.8%
6 Month	5.6%
1 Year	11%
3 Year	7.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.5%
2022	2.8%
2021	1.3%
2020	8.8%
2019	9.7%
2018	4.9%
2017	2.2%
2016	12.3%
2015	5.6%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure
Marzban Irani	10 Aug 16	8.65 Yr.
Pratik Shroff	26 Sep 23	1.52 Yr.

Data below for LIC MF Bond Fund as on 15 Apr 25

Asset Allocation

Asset Class	Value
Cash	0.43%
Debt	99.32%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	88.45%
Corporate	10.87%
Cash Equivalent	0.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.70 MH Sgs 2033 Sovereign Bonds \| -	22%	₹43 Cr	4,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	22%	₹42 Cr	4,050,000 ↑ 400,000
07.80 GJ Sdl 2032 Sovereign Bonds \| -	14%	₹27 Cr	2,500,000
07.64 MH Sgs 2032 Sovereign Bonds \| -	8%	₹16 Cr	1,500,000
07.71 MH Sdl 2033 Sovereign Bonds \| -	7%	₹14 Cr	1,250,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹13 Cr	1,250,000
HDFC Bank Limited Debentures \| -	6%	₹11 Cr	100
7.12% State Government Of Maharashtra 2036 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
Reliance Utilities And Power Private Limited Debentures \| -	5%	₹10 Cr	1,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹5 Cr	500,000

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.

UTI Bond Fund is a Debt - Medium to Long term fund was launched on 4 May 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 11 in Medium to Long term category. Return for 2024 was 8.5% , 2023 was 6.4% and 2022 was 9.9% .

Below is the key information for UTI Bond Fund

UTI Bond Fund Growth
Launch Date	4 May 98
NAV (30 Apr 25)	₹73.458 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹320 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.17%
Effective Maturity	9 Years 11 Months 5 Days
Modified Duration	6 Years 5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,620
30 Apr 22	₹11,504
30 Apr 23	₹13,151
30 Apr 24	₹13,866

UTI Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 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 30 Apr 25

Duration	Returns
1 Month	1.9%
3 Month	3.7%
6 Month	5.5%
1 Year	10.9%
3 Year	10.2%
5 Year	9%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	6.4%
2022	9.9%
2021	9.4%
2020	1.1%
2019	-5.8%
2018	4%
2017	3.6%
2016	13.9%
2015	6.3%

Fund Manager information for UTI Bond Fund

Name	Since	Tenure
Sunil Patil	17 Apr 23	1.96 Yr.

Data below for UTI Bond Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.23%
Debt	95.5%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	64.58%
Corporate	30.92%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AA	11.46%
AAA	88.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	38%	₹123 Cr	1,190,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹26 Cr	250,000,000
7.08% Andhra Pradesh State Development Loans (26/03/2037) Sovereign Bonds \| -	8%	₹26 Cr	250,000,000
LIC Housing Finance Limited Debentures \| -	8%	₹26 Cr	250
7.17% Indian Railway Finance Corporation Limited** Debentures \| -	8%	₹25 Cr	2,500
Hdb Financial Services Ltd. Debentures \| -	8%	₹25 Cr	250
Cholamandalam Investment And Finance Company Limited Debentures \| -	5%	₹15 Cr	1,500
Aditya Birla Renewables Limited Debentures \| -	5%	₹15 Cr	1,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	4%	₹15 Cr	15
07.78 RJ Sdl 2033 Sovereign Bonds \| -	2%	₹5 Cr	50,000,000

5. 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.

Aditya Birla Sun Life Income Fund is a Debt - Medium to Long term fund was launched on 21 Oct 95. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9% since its launch. Ranked 26 in Medium to Long term category. Return for 2024 was 8.4% , 2023 was 6.6% and 2022 was 2.4% .

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 (30 Apr 25)	₹125.778 ↓ -0.05 (-0.04 %)
Net Assets (Cr)	₹2,242 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.1%
Effective Maturity	16 Years 25 Days
Modified Duration	6 Years 7 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,910
30 Apr 22	₹11,305
30 Apr 23	₹11,905
30 Apr 24	₹12,571

Aditya Birla Sun Life Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 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 30 Apr 25

Duration	Returns
1 Month	1.7%
3 Month	3.7%
6 Month	5.2%
1 Year	10.9%
3 Year	7.2%
5 Year	6.9%
10 Year
15 Year
Since launch	9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	6.6%
2022	2.4%
2021	4%
2020	12.8%
2019	9.5%
2018	5.1%
2017	2.8%
2016	14.4%
2015	4.6%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	4.65 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.6%
Debt	96.14%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	59.92%
Corporate	36.63%
Cash Equivalent	3.19%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	23%	₹532 Cr	50,109,900 ↓ -1,500,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	5%	₹114 Cr	10,906,100
7.18% Govt Stock 2037 Sovereign Bonds \| -	4%	₹97 Cr	9,231,100 ↓ -2,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	4%	₹93 Cr	9,000,000
7.48% National Bank For Agriculture And Rural Development Debentures \| -	3%	₹76 Cr	7,500 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹76 Cr	7,500 ↑ 7,500
Rec Limited Debentures \| -	3%	₹76 Cr	7,500 ↑ 7,500
Small Industries Development Bank Of India Debentures \| -	3%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	3%	₹61 Cr	600
Small Industries Development Bank Of India Debentures \| -	3%	₹60 Cr	600

6. Nippon India Income Fund

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments.

Nippon India Income Fund is a Debt - Medium to Long term fund was launched on 1 Jan 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.4% since its launch. Ranked 28 in Medium to Long term category. Return for 2024 was 8.1% , 2023 was 6.8% and 2022 was 3.3% .

Below is the key information for Nippon India Income Fund

Nippon India Income Fund Growth
Launch Date	1 Jan 98
NAV (30 Apr 25)	₹89.8653 ↓ -0.05 (-0.06 %)
Net Assets (Cr)	₹420 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.43
Sharpe Ratio	0.54
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	7.13%
Effective Maturity	11 Years 10 Months 13 Days
Modified Duration	6 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,458
30 Apr 22	₹10,626
30 Apr 23	₹11,316
30 Apr 24	₹11,986

Nippon India 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 Nippon India 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 30 Apr 25

Duration	Returns
1 Month	1.6%
3 Month	3.6%
6 Month	5.2%
1 Year	10.5%
3 Year	7.6%
5 Year	5.8%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	6.8%
2022	3.3%
2021	1.2%
2020	10.5%
2019	11.4%
2018	6.1%
2017	2.4%
2016	13.8%
2015	5.1%

Fund Manager information for Nippon India Income Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.17 Yr.
Kinjal Desai	25 May 18	6.86 Yr.

Data below for Nippon India Income Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	17.34%
Debt	82.41%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	66.87%
Corporate	21.27%
Cash Equivalent	11.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	22%	₹93 Cr	9,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	20%	₹84 Cr	8,000,000
7.12% State Government Of Maharashtra 2036 Sovereign Bonds \| -	10%	₹41 Cr	4,000,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	6%	₹26 Cr	2,500,000
Tata Capital Limited Debentures \| -	6%	₹25 Cr	25
Small Industries Development Bank Of India Debentures \| -	6%	₹25 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹25 Cr	2,500 ↑ 2,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹10 Cr	1,000,000 ↑ 1,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹10 Cr	100
Indian Railway Finance Corporation Limited Debentures \| -	1%	₹5 Cr	50

7. SBI Magnum Income Fund

To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities.

SBI Magnum Income Fund is a Debt - Medium to Long term fund was launched on 25 Nov 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 6 in Medium to Long term category. Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3% .

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund Growth
Launch Date	25 Nov 98
NAV (30 Apr 25)	₹70.6228 ↓ -0.04 (-0.06 %)
Net Assets (Cr)	₹1,918 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	7.42%
Effective Maturity	10 Years 6 Months 14 Days
Modified Duration	6 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,906
30 Apr 22	₹11,206
30 Apr 23	₹11,911
30 Apr 24	₹12,654

SBI Magnum Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for SBI Magnum 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 30 Apr 25

Duration	Returns
1 Month	1.8%
3 Month	3.5%
6 Month	5.1%
1 Year	10.3%
3 Year	7.6%
5 Year	6.9%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	7.2%
2022	3%
2021	3.6%
2020	11.6%
2019	11.7%
2018	4.7%
2017	5.7%
2016	13.4%
2015	6%

Fund Manager information for SBI Magnum Income Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	1.33 Yr.
Adesh Sharma	1 Dec 23	1.33 Yr.

Data below for SBI Magnum Income Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.78%
Debt	94.96%
Other	0.26%

Debt Sector Allocation

Sector	Value
Government	65.16%
Corporate	29.8%
Cash Equivalent	4.78%

Credit Quality

Rating	Value
AA	32.82%
AAA	67.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	34%	₹662 Cr	64,500,000 ↑ 4,000,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	15%	₹292 Cr	27,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	9%	₹174 Cr	16,500,000 ↑ 2,500,000
Torrent Power Limited Debentures \| -	4%	₹78 Cr	7,500
Godrej Properties Limited Debentures \| -	4%	₹76 Cr	7,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹73 Cr	7,500
Indostar Capital Finance Ltd. Debentures \| -	3%	₹59 Cr	5,900
Avanse Financial Services Ltd. Debentures \| -	3%	₹55 Cr	5,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	3%	₹53 Cr	5,000,000
Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.) Debentures \| -	3%	₹51 Cr	5,000

8. 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

Kotak Bond Fund is a Debt - Medium to Long term fund was launched on 25 Nov 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch. Ranked 32 in Medium to Long term category. Return for 2024 was 8.2% , 2023 was 6.8% and 2022 was 1.7% .

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (30 Apr 25)	₹76.7529 ↓ -0.03 (-0.04 %)
Net Assets (Cr)	₹2,031 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.77
Sharpe Ratio	0.48
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	6.91%
Effective Maturity	12 Years 10 Months 10 Days
Modified Duration	6 Years 6 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,679
30 Apr 22	₹10,958
30 Apr 23	₹11,555
30 Apr 24	₹12,257

Kotak Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 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 30 Apr 25

Duration	Returns
1 Month	1.7%
3 Month	3.5%
6 Month	4.9%
1 Year	10.3%
3 Year	7.3%
5 Year	6.2%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	6.8%
2022	1.7%
2021	2.4%
2020	12.3%
2019	10.3%
2018	5.2%
2017	0.9%
2016	14.3%
2015	4.6%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	16.97 Yr.

Data below for Kotak Bond Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.29%
Equity	0.32%
Debt	95.12%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	72.34%
Corporate	22.77%
Cash Equivalent	4.29%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	16%	₹343 Cr	33,142,400
6.79% Govt Stock 2034 Sovereign Bonds \| -	15%	₹313 Cr	30,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	9%	₹198 Cr	19,250,000 ↓ -1,500,000
Punjab National Bank Domestic Bonds \| -	9%	₹188 Cr	20,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	8%	₹179 Cr	16,929,820
7.32% Govt Stock 2030 Sovereign Bonds \| -	7%	₹146 Cr	13,940,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	6%	₹136 Cr	12,799,600 ↓ -2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹52 Cr	510,900
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹51 Cr	5,000
Gs CG 25/11/2032 - (Strips) Strips Sovereign Bonds \| -	1%	₹29 Cr	4,679,400

9. Canara Robeco Income Fund

(Erstwhile Canara Robeco Income)

To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Income Fund is a Debt - Medium to Long term fund was launched on 19 Sep 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch. Return for 2024 was 7.6% , 2023 was 5.6% and 2022 was 1.6% .

Below is the key information for Canara Robeco Income Fund

Canara Robeco Income Fund Growth
Launch Date	19 Sep 02
NAV (30 Apr 25)	₹55.5423 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹119 on 31 Mar 25
Category	Debt - Medium to Long term
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.88
Sharpe Ratio	0.29
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	6.96%
Effective Maturity	11 Years 8 Months 8 Days
Modified Duration	5 Years 6 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,669
30 Apr 22	₹10,783
30 Apr 23	₹11,330
30 Apr 24	₹11,862

Canara Robeco 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 Canara Robeco 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 30 Apr 25

Duration	Returns
1 Month	1.5%
3 Month	3.3%
6 Month	4.7%
1 Year	9.7%
3 Year	6.5%
5 Year	5.4%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	5.6%
2022	1.6%
2021	1.9%
2020	10.1%
2019	10.3%
2018	5.2%
2017	3.5%
2016	12.7%
2015	5.6%

Fund Manager information for Canara Robeco Income Fund

Name	Since	Tenure
Avnish Jain	25 Jun 14	10.78 Yr.
Kunal Jain	18 Jul 22	2.71 Yr.

Data below for Canara Robeco Income Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	33.11%
Debt	66.6%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	66.6%
Cash Equivalent	33.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	18%	₹21 Cr	2,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	9%	₹11 Cr	1,000,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	9%	₹11 Cr	1,000,000
Karnataka (Government of) 7.42% - \| -	9%	₹10 Cr	1,000,000
07.15 Tn SDL 2035 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000 ↑ 1,000,000
7.17% Rajasthan State Development Loans (27/02/2035) Sovereign Bonds \| -	9%	₹10 Cr	1,000,000
Export Import Bank Of India Debentures \| -	8%	₹10 Cr	100
6.92% Govt Stock 2039 Sovereign Bonds \| -	4%	₹5 Cr	500,000 ↑ 500,000
Treasury Bills Sovereign Bonds \| -	1%	₹1 Cr	100,000
CORPORATE DEBT MARKET DEVELOPMENT FUND CLASS A2 Investment Fund \| -	0%	₹0 Cr	315

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