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फिनकैश »म्यूचुअल फंड्स »सर्वश्रेष्ठ प्रोद्भवन निधि

4 बेस्ट परफॉर्मिंग प्रोद्भवन डेट फंड्स 2022

Updated on June 14, 2024 , 6780 views

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।

Accural-Funds

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

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
IDFC Corporate Bond Fund Growth ₹17.6201
↑ 0.01
₹13,7671.73.56.84.86.87.62%3Y 1M 6D3Y 11M 16D
ICICI Prudential Corporate Bond Fund Growth ₹27.3504
↑ 0.01
₹27,3501.93.97.567.67.83%2Y 9M 18D4Y 7M 17D
BNP Paribas Corporate Bond Fund Growth ₹25.0222
↑ 0.01
₹1481.546.44.577.59%3Y 11M 8D5Y 6M 14D
Franklin India Corporate Debt Fund Growth ₹90.3692
↑ 0.03
₹7301.83.56.44.96.57.75%2Y 7D2Y 5M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Jun 24

1. IDFC Corporate Bond Fund

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 CAGR/Annualized return of 7% since its launch.  Return for 2023 was 6.8% , 2022 was 2.6% and 2021 was 3.7% .

Below is the key information for IDFC Corporate Bond Fund

IDFC Corporate Bond Fund
Growth
Launch Date 12 Jan 16
NAV (14 Jun 24) ₹17.6201 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹13,767 on 15 May 24
Category Debt - Corporate Bond
AMC IDFC Asset Management Company Limited
Rating Not Rated
Risk Moderate
Expense Ratio 0.6
Sharpe Ratio -1.62
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.62%
Effective Maturity 3 Years 11 Months 16 Days
Modified Duration 3 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,968
31 May 21₹11,819
31 May 22₹12,036
31 May 23₹12,757
31 May 24₹13,619

IDFC Corporate 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 IDFC Corporate 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 14 Jun 24

DurationReturns
1 Month 0.7%
3 Month 1.7%
6 Month 3.5%
1 Year 6.8%
3 Year 4.8%
5 Year 6.4%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.8%
2022 2.6%
2021 3.7%
2020 11.6%
2019 8.5%
2018 6.3%
2017 6.2%
2016
2015
2014
Fund Manager information for IDFC Corporate Bond Fund
NameSinceTenure
Suyash Choudhary28 Jul 212.76 Yr.
Gautam Kaul1 Dec 212.41 Yr.
Sreejith Balasubramanian31 Aug 230.67 Yr.

Data below for IDFC Corporate Bond Fund as on 15 May 24

Asset Allocation
Asset ClassValue
Cash3.35%
Debt96.36%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate52.37%
Government44.02%
Cash Equivalent3.32%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
14%₹1,894 Cr196,000,000
↓ -5,000,000
7.26% Govt Stock 2033
Sovereign Bonds | -
8%₹1,161 Cr115,000,000
↓ -20,000,000
Export-Import Bank of India 7.4%
Domestic Bonds | -
8%₹1,070 Cr107,350,000
Bajaj Housing Finance Ltd. 7.78%
Debentures | -
7%₹897 Cr90,000,000
National Housing Bank
Debentures | -
6%₹867 Cr86,500,000
HDFC Bank Limited
Debentures | -
4%₹494 Cr51,000,000
↑ 41,000,000
HDFC Bank Limited
Debentures | -
3%₹362 Cr37,500,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹324 Cr32,500,000
↓ -5,000,000
7.26% Govt Stock 2032
Sovereign Bonds | -
2%₹313 Cr31,000,000
Small Industries Development Bank of India 7.68%
Debentures | -
2%₹310 Cr31,000,000

2. ICICI Prudential Corporate Bond Fund

(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 CAGR/Annualized return of 7% since its launch.  Ranked 7 in Corporate Bond category.  Return for 2023 was 7.6% , 2022 was 4.5% and 2021 was 4.1% .

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (14 Jun 24) ₹27.3504 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹27,350 on 30 Apr 24
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio 0.78
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.83%
Effective Maturity 4 Years 7 Months 17 Days
Modified Duration 2 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹11,022
31 May 21₹11,810
31 May 22₹12,193
31 May 23₹13,082
31 May 24₹14,061

ICICI Prudential Corporate 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 ICICI Prudential Corporate 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 14 Jun 24

DurationReturns
1 Month 0.7%
3 Month 1.9%
6 Month 3.9%
1 Year 7.5%
3 Year 6%
5 Year 7.1%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 9.4%
Fund Manager information for ICICI Prudential Corporate Bond Fund
NameSinceTenure
Manish Banthia22 Jan 240.27 Yr.
Ritesh Lunawat22 Jan 240.27 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash6.97%
Debt92.81%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate55.42%
Government37.36%
Cash Equivalent6.97%
Securitized0.03%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
15%₹3,978 Cr395,329,410
↓ -7,187,500
8.34% Govt Stock 2033
Sovereign Bonds | -
8%₹2,197 Cr215,793,930
National Bank For Agriculture And Rural Development
Debentures | -
3%₹862 Cr86,500
Pipeline Infrastructure Ltd.
Debentures | -
3%₹812 Cr80,500
HDFC Bank Limited
Debentures | -
3%₹697 Cr7,000
HDFC Bank Limited
Debentures | -
2%₹649 Cr65,000
Small Industries Development Bank Of India
Debentures | -
2%₹636 Cr6,400
Small Industries Development Bank Of India
Debentures | -
2%₹624 Cr6,250
Bharat Petroleum Corporation Limited
Debentures | -
2%₹595 Cr59,500
Hdb Financial Services Limited
Debentures | -
2%₹518 Cr5,180

3. BNP Paribas Corporate Bond Fund

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 CAGR/Annualized return of 6.1% since its launch.  Ranked 24 in Corporate Bond category.  Return for 2023 was 7% , 2022 was 1.6% and 2021 was 2.2% .

Below is the key information for BNP Paribas Corporate Bond Fund

BNP Paribas Corporate Bond Fund
Growth
Launch Date 8 Nov 08
NAV (14 Jun 24) ₹25.0222 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹148 on 30 Apr 24
Category Debt - Corporate Bond
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderate
Expense Ratio 0.87
Sharpe Ratio -0.47
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 7.59%
Effective Maturity 5 Years 6 Months 14 Days
Modified Duration 3 Years 11 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,234
31 May 21₹10,841
31 May 22₹10,891
31 May 23₹11,645
31 May 24₹12,387

BNP Paribas Corporate 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 BNP Paribas Corporate 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 14 Jun 24

DurationReturns
1 Month 0.7%
3 Month 1.5%
6 Month 4%
1 Year 6.4%
3 Year 4.5%
5 Year 6.4%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 10.8%
Fund Manager information for BNP Paribas Corporate Bond Fund
NameSinceTenure
Mayank Prakash23 Aug 176.69 Yr.
Jay Sheth1 Sep 230.67 Yr.

Data below for BNP Paribas Corporate Bond Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash10.24%
Debt89.52%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate49.79%
Government39.73%
Cash Equivalent10.24%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2029
Sovereign Bonds | -
10%₹15 Cr1,500,000
Indian Railway Finance Corporation Limited
Debentures | -
7%₹11 Cr110
Export Import Bank Of India
Debentures | -
7%₹10 Cr100
Power Finance Corporation Ltd.
Debentures | -
7%₹10 Cr1,000
Hindustan Petroleum Corporation Limited
Debentures | -
7%₹10 Cr100
Sundaram Bnp Paribas Home Finance Limited
Debentures | -
7%₹10 Cr1,000
Tata Capital Limited
Debentures | -
7%₹10 Cr1,000
HDFC Bank Limited
Debentures | -
7%₹10 Cr100
GAil (India) Limited
Debentures | -
7%₹10 Cr100
Power Grid Corporation Of India Limited
Debentures | -
6%₹9 Cr1,000

4. Franklin India Corporate Debt Fund

(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 CAGR/Annualized return of 8.5% since its launch.  Ranked 22 in Corporate Bond category.  Return for 2023 was 6.5% , 2022 was 3.2% and 2021 was 3.8% .

Below is the key information for Franklin India Corporate Debt Fund

Franklin India Corporate Debt Fund
Growth
Launch Date 23 Jun 97
NAV (14 Jun 24) ₹90.3692 ↑ 0.03   (0.03 %)
Net Assets (Cr) ₹730 on 30 Apr 24
Category Debt - Corporate Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.78
Sharpe Ratio -1.97
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 7.75%
Effective Maturity 2 Years 5 Months 1 Day
Modified Duration 2 Years 7 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,819
31 May 21₹11,710
31 May 22₹11,985
31 May 23₹12,720
31 May 24₹13,529

Franklin India Corporate Debt 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 Franklin India Corporate Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 6.4%
3 Year 4.9%
5 Year 5.9%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 13%
Fund Manager information for Franklin India Corporate Debt Fund
NameSinceTenure
Rahul Goswami6 Oct 230.57 Yr.
Anuj Tagra7 Mar 240.15 Yr.
Chandni Gupta7 Mar 240.15 Yr.

Data below for Franklin India Corporate Debt Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash3.71%
Debt96.03%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate70.06%
Government25.97%
Cash Equivalent3.71%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -
8%₹56 Cr5,500,000
↑ 5,500,000
Pipeline Infrastructure Ltd. 7.96%
Debentures | -
7%₹51 Cr5,000
ICICI Home Finance Company Limited 8.1%
Debentures | -
7%₹51 Cr5,000
Sikka Ports & Terminals Limited
Debentures | -
7%₹49 Cr500
Small Industries Development Bank Of India
Debentures | -
6%₹47 Cr450
7.37% Govt Stock 2028
Sovereign Bonds | -
6%₹46 Cr4,500,000
Mahindra & Mahindra Financial Services Ltd
Debentures | -
4%₹27 Cr2,500
National Housing Bank
Debentures | -
4%₹27 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
4%₹26 Cr2,500
LIC Housing Finance Limited
Debentures | -
4%₹26 Cr250

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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