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4 बेस्ट परफॉर्मिंग प्रोद्भवन डेट फंड्स 2022
प्रोद्भवन निधि बाय एंड होल्ड रणनीति अपनाएं और की तुलना में बेहतर रिटर्न देने पर ध्यान केंद्रित करेंबैंक सावधि जमा। ये फंड एक क्रेडिट-जोखिम लेते हैं और उच्च प्रतिफल उत्पन्न करने के लिए थोड़ी कम-रेटेड प्रतिभूतियों में निवेश करते हैं। प्रोद्भवन निधि से भी रिटर्न मिल सकता हैराजधानी लाभ, लेकिन यह उनके कुल रिटर्न का एक छोटा सा हिस्सा होता है।
प्रोद्भवन निधि उन निवेशकों के लिए एक आदर्श निवेश विकल्प है, जो ब्याज दर के उतार-चढ़ाव के बारे में एक दृष्टिकोण रखते हैं। प्रोद्भवन निधि, आदर्श रूप से ब्याज अर्जित करने पर केंद्रित हैआय द्वारा ऑफ़र किए गए कूपन के संदर्भ मेंबांड. ये एक प्रकार के हैंडेट फंड जो आमतौर पर शॉर्ट से मीडियम मैच्योरिटी पेपर्स में निवेश करते हैं। परिपक्वता तक प्रतिभूतियों को रखने पर ध्यान केंद्रित करते हुए ये पेपर मध्य से उच्च गुणवत्ता वाले होते हैं।
प्रोद्भवन निधि बढ़ती ब्याज दरों के प्रभावों से पूरी तरह से प्रतिरक्षित नहीं हैं, खासकर जब वृद्धि तेज और तेज हो, लेकिन प्रभाव अवधि निधियों की तुलना में बहुत कम है।
ये फंड उन निवेशकों के लिए उपयुक्त हैं जो स्थिर रिटर्न की इच्छा रखते हैं। लेकिन, एकइन्वेस्टर ब्याज दरों पर नजर रखनी चाहिए और फंड के प्रदर्शन पर भी पैनी नजर रखनी चाहिए। कम से कम 1-3 साल की अवधि के लिए प्रोद्भवन फंड में निवेश करने की सलाह दी जाती है।
प्रोद्भवन निधि किसे खरीदना चाहिए?
प्रोद्भवन फंडों में वांछनीय स्थिर रिटर्न प्राप्त करने के लिए, किसी को कुछ स्तर का जोखिम उठाने की आवश्यकता होती है क्योंकि ये फंड न्यूनतम उतार-चढ़ाव कर सकते हैं। फिर भी, प्रोद्भवन फंड की रणनीति रिटर्न में अधिक अनुमानित है। इसलिए, रूढ़िवादी भूख वाले निवेशक इस फंड में निवेश कर सकते हैं। इसके अलावा, अच्छा रिटर्न प्राप्त करने के लिए, प्रोद्भवन फंडों में लंबी अवधि के लिए निवेशित रहने की सलाह दी जाएगी।
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भारत में निवेश करने के लिए सबसे अच्छा प्रदर्शन करने वाला प्रोद्भवन फंड वित्त वर्ष 22 - 23
The Fund seeks to provide steady income and capital appreciation by investing primarily in corporate debt securities across maturities and ratings. There is no assurance or guarantee that the objectives of the scheme will be realised. IDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 12 Jan 16. It is a fund with Moderate risk and has given a Below is the key information for IDFC Corporate Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. ICICI Prudential Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 11 Aug 09. It is a fund with Moderately Low risk and has given a Below is the key information for ICICI Prudential Corporate Bond Fund Returns up to 1 year are on The investment objective of the Scheme is to generate income and capital gains through investments in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme launched hereunder does not guarantee/indicate any returns. BNP Paribas Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 8 Nov 08. It is a fund with Moderate risk and has given a Below is the key information for BNP Paribas Corporate Bond Fund Returns up to 1 year are on (Erstwhile Franklin India Income Builder Account - Plan A) The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Franklin India Corporate Debt Fund is a Debt - Corporate Bond fund was launched on 23 Jun 97. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Corporate Debt Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDFC Corporate Bond Fund Growth ₹19.3011
↑ 0.01 ₹15,304 2.7 5 9.3 7.4 7.7 6.59% 3Y 3M 7D 4Y 1M 20D ICICI Prudential Corporate Bond Fund Growth ₹29.9269
↑ 0.02 ₹31,264 2.7 4.9 9.1 8.2 8 6.85% 2Y 9M 7D 4Y 8M 8D BNP Paribas Corporate Bond Fund Growth ₹27.6215
↑ 0.02 ₹299 3.3 5.5 10 7.9 8.3 6.71% 3Y 9M 25D 5Y 2M 16D Franklin India Corporate Debt Fund Growth ₹99.9865
↑ 0.07 ₹843 4 6.1 10.3 7.7 7.6 6.85% 3Y 1M 13D 5Y 11M 23D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 25 1. IDFC Corporate Bond Fund
CAGR/Annualized return of 7.2% since its launch. Return for 2024 was 7.7% , 2023 was 6.8% and 2022 was 2.6% . IDFC Corporate Bond Fund
Growth Launch Date 12 Jan 16 NAV (30 Jun 25) ₹19.3011 ↑ 0.01 (0.07 %) Net Assets (Cr) ₹15,304 on 31 May 25 Category Debt - Corporate Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.61 Sharpe Ratio 2.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.59% Effective Maturity 4 Years 1 Month 20 Days Modified Duration 3 Years 3 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,547 30 Jun 22 ₹10,781 30 Jun 23 ₹11,458 30 Jun 24 ₹12,233 Returns for IDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25 Duration Returns 1 Month 0.1% 3 Month 2.7% 6 Month 5% 1 Year 9.3% 3 Year 7.4% 5 Year 6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 6.8% 2022 2.6% 2021 3.7% 2020 11.6% 2019 8.5% 2018 6.3% 2017 6.2% 2016 2015 Fund Manager information for IDFC Corporate Bond Fund
Name Since Tenure Suyash Choudhary 28 Jul 21 3.84 Yr. Gautam Kaul 1 Dec 21 3.5 Yr. Brijesh Shah 10 Jun 24 0.97 Yr. Data below for IDFC Corporate Bond Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 2.96% Debt 96.76% Other 0.28% Debt Sector Allocation
Sector Value Corporate 52.4% Government 44.36% Cash Equivalent 2.96% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -16% ₹2,426 Cr 229,500,000
↓ -12,500,000 Bajaj Housing Finance Ltd. 7.78%
Debentures | -7% ₹1,084 Cr 107,500,000
↑ 10,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹748 Cr 71,000,000
↓ -15,000,000 Larsen And Toubro Limited
Debentures | -4% ₹569 Cr 55,500,000 Reliance Industries Limited
Debentures | -4% ₹551 Cr 52,000,000
↑ 5,000,000 National Housing Bank
Debentures | -3% ₹525 Cr 52,000,000
↓ -10,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹503 Cr 50,000,000 Nuclear Power Corporation Of India Limited
Debentures | -2% ₹359 Cr 35,000,000 Grasim Industries Limited
Debentures | -2% ₹357 Cr 35,000,000 Export-Import Bank of India 7.4%
Domestic Bonds | -2% ₹357 Cr 34,850,000
↑ 15,000,000 2. ICICI Prudential Corporate Bond Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 7 in Corporate Bond category. Return for 2024 was 8% , 2023 was 7.6% and 2022 was 4.5% . ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (30 Jun 25) ₹29.9269 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹31,264 on 31 May 25 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 2.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.85% Effective Maturity 4 Years 8 Months 8 Days Modified Duration 2 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,580 30 Jun 22 ₹10,902 30 Jun 23 ₹11,744 30 Jun 24 ₹12,628 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25 Duration Returns 1 Month 0.2% 3 Month 2.7% 6 Month 4.9% 1 Year 9.1% 3 Year 8.2% 5 Year 6.6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 7.6% 2022 4.5% 2021 4.1% 2020 10.4% 2019 9.9% 2018 6.4% 2017 6.3% 2016 9.8% 2015 8.8% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.36 Yr. Ritesh Lunawat 22 Jan 24 1.36 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 5.28% Debt 94.46% Other 0.26% Debt Sector Allocation
Sector Value Corporate 59.54% Government 35.46% Cash Equivalent 4.74% Credit Quality
Rating Value AAA 99.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹2,267 Cr 215,127,880
↓ -60,000,000 7.81% Govt Stock 2033
Sovereign Bonds | -7% ₹2,040 Cr 196,295,540 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹1,219 Cr 117,670,450
↑ 14,998,850 National Bank For Agriculture And Rural Development
Debentures | -3% ₹1,074 Cr 106,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹972 Cr 95,550 Pipeline Infrastructure Private Limited
Debentures | -3% ₹830 Cr 80,500 7.58% LIC Housing Finance Limited (23/03/2035)
Debentures | -2% ₹673 Cr 66,000 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹625 Cr 58,412,000 Bharat Petroleum Corporation Limited
Debentures | -2% ₹594 Cr 59,000 LIC Housing Finance Ltd
Debentures | -2% ₹527 Cr 5,000 3. BNP Paribas Corporate Bond Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 24 in Corporate Bond category. Return for 2024 was 8.3% , 2023 was 7% and 2022 was 1.6% . BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (30 Jun 25) ₹27.6215 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹299 on 15 Jun 25 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.56 Sharpe Ratio 2.31 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL) Yield to Maturity 6.71% Effective Maturity 5 Years 2 Months 16 Days Modified Duration 3 Years 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,464 30 Jun 22 ₹10,492 30 Jun 23 ₹11,228 30 Jun 24 ₹11,990 Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25 Duration Returns 1 Month 0% 3 Month 3.3% 6 Month 5.5% 1 Year 10% 3 Year 7.9% 5 Year 5.7% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 7% 2022 1.6% 2021 2.2% 2020 9.9% 2019 0.9% 2018 5.2% 2017 6.7% 2016 10.8% 2015 7.2% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Gurvinder Wasan 21 Oct 24 0.61 Yr. Vikram Pamnani 10 Jul 24 0.89 Yr. Data below for BNP Paribas Corporate Bond Fund as on 15 Jun 25
Asset Allocation
Asset Class Value Cash 3.39% Equity 2.48% Debt 93.87% Other 0.26% Debt Sector Allocation
Sector Value Corporate 59.1% Government 34.78% Cash Equivalent 3.39% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -12% ₹26 Cr 2,450,000
↑ 1,550,000 Rec Limited
Debentures | -5% ₹12 Cr 1,200 National Housing Bank
Debentures | -5% ₹11 Cr 1,100 Export Import Bank Of India
Debentures | -5% ₹11 Cr 100 Power Finance Corporation Ltd.
Debentures | -5% ₹10 Cr 1,000 Hindustan Petroleum Corporation Limited
Debentures | -5% ₹10 Cr 100 GAil (India) Limited
Debentures | -5% ₹10 Cr 100 LIC Housing Finance Limited
Debentures | -5% ₹10 Cr 1,000 Bajaj Finance Limited
Debentures | -5% ₹10 Cr 1,000 Tata Capital Housing Finance Limited
Debentures | -4% ₹10 Cr 1,000 4. Franklin India Corporate Debt Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 22 in Corporate Bond category. Return for 2024 was 7.6% , 2023 was 6.5% and 2022 was 3.2% . Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (30 Jun 25) ₹99.9865 ↑ 0.07 (0.07 %) Net Assets (Cr) ₹843 on 31 May 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.77 Sharpe Ratio 1.75 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 6.85% Effective Maturity 5 Years 11 Months 23 Days Modified Duration 3 Years 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,632 30 Jun 22 ₹10,907 30 Jun 23 ₹11,580 30 Jun 24 ₹12,341 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25 Duration Returns 1 Month 0.2% 3 Month 4% 6 Month 6.1% 1 Year 10.3% 3 Year 7.7% 5 Year 6.4% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 6.5% 2022 3.2% 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% 2015 8.4% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.65 Yr. Anuj Tagra 7 Mar 24 1.23 Yr. Chandni Gupta 7 Mar 24 1.23 Yr. Data below for Franklin India Corporate Debt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 9.15% Debt 90.57% Other 0.28% Debt Sector Allocation
Sector Value Corporate 64.48% Government 26.09% Cash Equivalent 9.15% Credit Quality
Rating Value AA 17.88% AAA 82.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -7% ₹54 Cr 5,300,000 Pipeline Infrastructure Private Limited
Debentures | -7% ₹52 Cr 5,000 Summit Digitel Infrastructure Ltd
Debentures | -7% ₹52 Cr 5,000 Small Industries Development Bank Of India
Debentures | -7% ₹52 Cr 5,000 ICICI Home Finance Company Limited
Debentures | -7% ₹52 Cr 5,000 Sikka Ports & Terminals Limited
Debentures | -6% ₹50 Cr 500 Rural Electrification Corporation Limited
Debentures | -6% ₹50 Cr 9,000 Bajaj Finance Limited
Debentures | -3% ₹26 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹26 Cr 2,500
↑ 2,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹26 Cr 2,500
एक्यूरल फंड की विशेषताएं
1. स्थिर आय
चूंकि ये फंड अपने पैसे को लंबी अवधि के लिए कंपनियों में निवेश करते हैं, इसलिए निवेशक ब्याज आय का लाभ उठा सकते हैं जो वे उत्पन्न करते हैं।
2. ब्याज दरों में कम जोखिम
चूंकि प्रोद्भवन फंड छोटे से मध्यम अवधि के बांड में निवेश करते हैं, वे ब्याज दर जोखिम से ज्यादा प्रभावित नहीं होते हैं।
3. क्रेडिट जोखिम
ये फंड किसके द्वारा क्रेडिट जोखिम उठाते हैंनिवेश कमजोर क्रेडिट रेटिंग वाली कंपनियों में, लेकिन अधिक मजबूत व्यावसायिक संभावनाएं। ये फंड इस विश्वास में क्रेडिट जोखिम लेते हैं कि कंपनी अच्छा करेगी और सुधार करेगीक्रेडिट अंक तत्काल भविष्य में।
4. कराधान
प्रोद्भवन फंड का कराधान डेट फंड की तरह ही है। यदि फंड की होल्डिंग अवधि 36 महीने से कम है, तो इसे अल्पकालिक निवेश के रूप में वर्गीकृत किया जाता है और इन पर व्यक्ति के टैक्स स्लैब के अनुसार कर लगाया जाता है। और, अगर 36 महीने से अधिक समय तक फंड रखना चाहते हैं, तो इसे दीर्घकालिक निवेश के रूप में वर्गीकृत किया जाता है और इंडेक्सेशन लाभ के साथ 20% कर लगाया जाता है।
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