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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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDFC Corporate Bond Fund Growth ₹16.6968
↑ 0.00 ₹14,572 1.6 3.6 6 4.6 2.6 7.22% 6M 22D 7M 6D ICICI Prudential Corporate Bond Fund Growth ₹25.7891
↑ 0.00 ₹22,656 1.7 4.1 7.5 5.6 4.5 7.91% 1Y 6M 14D 4Y 1M 2D BNP Paribas Corporate Bond Fund Growth ₹23.615
↑ 0.00 ₹142 0.6 3.8 6.3 3.8 1.6 7.5% 4Y 4M 6D 5Y 11M 12D Franklin India Corporate Debt Fund Growth ₹85.6695
↑ 0.00 ₹816 1.2 3.5 5.8 5 3.2 7.38% 1Y 8M 26D 2Y 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23 1. IDFC Corporate Bond Fund
CAGR/Annualized return of 7% since its launch. Return for 2022 was 2.6% , 2021 was 3.7% and 2020 was 11.6% . IDFC Corporate Bond Fund
Growth Launch Date 12 Jan 16 NAV (22 Aug 23) ₹16.6968 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹14,572 on 31 Jul 23 Category Debt - Corporate Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.6 Sharpe Ratio -0.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.22% Effective Maturity 7 Months 6 Days Modified Duration 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹10,899 31 Aug 20 ₹12,040 31 Aug 21 ₹12,790 31 Aug 22 ₹13,023 31 Aug 23 ₹13,822 Returns for IDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.6% 1 Year 6% 3 Year 4.6% 5 Year 6.7% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2022 2.6% 2021 3.7% 2020 11.6% 2019 8.5% 2018 6.3% 2017 6.2% 2016 2015 2014 2013 Fund Manager information for IDFC Corporate Bond Fund
Name Since Tenure Suyash Choudhary 28 Jul 21 2.09 Yr. Gautam Kaul 1 Dec 21 1.75 Yr. Data below for IDFC Corporate Bond Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 20.15% Debt 79.85% Debt Sector Allocation
Sector Value Corporate 49.12% Government 35.95% Cash Equivalent 14.93% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -7% ₹1,022 Cr 102,500,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹867 Cr 87,500,000 364 DTB 14032024
Sovereign Bonds | -6% ₹843 Cr 87,500,000 Ultratech Cement Limited
Debentures | -5% ₹709 Cr 71,500,000 National Housing Bank
Debentures | -5% ₹654 Cr 66,000,000
↑ 2,500,000 National Housing Bank
Debentures | -4% ₹596 Cr 59,500,000
↑ 2,500,000 Axis Bank Limited
Debentures | -4% ₹515 Cr 51,500,000 Rural Electrification Corporation Limited
Debentures | -3% ₹429 Cr 43,500,000
↑ 5,000,000 Export Import Bank Of India
Debentures | -3% ₹410 Cr 41,500,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹407 Cr 40,500,000 2. ICICI Prudential Corporate Bond Fund
CAGR/Annualized return of 7% since its launch. Ranked 7 in Corporate Bond category. Return for 2022 was 4.5% , 2021 was 4.1% and 2020 was 10.4% . ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (22 Aug 23) ₹25.7891 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹22,656 on 31 Jul 23 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 1.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.91% Effective Maturity 4 Years 1 Month 2 Days Modified Duration 1 Year 6 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹10,965 31 Aug 20 ₹12,086 31 Aug 21 ₹12,796 31 Aug 22 ₹13,258 31 Aug 23 ₹14,250 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 4.1% 1 Year 7.5% 3 Year 5.6% 5 Year 7.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2013 8.5% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Anuj Tagra 2 Mar 20 3.5 Yr. Rohit Lakhotia 12 Jun 23 0.22 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 6.27% Debt 93.73% Debt Sector Allocation
Sector Value Corporate 56.24% Government 37.4% Cash Equivalent 6.27% Securitized 0.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.51% Govt Stock 2033
Sovereign Bonds | -12% ₹2,690 Cr 265,071,700
↓ -10,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -5% ₹1,200 Cr 120,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹1,011 Cr 100,386,200 HDFC Bank Limited
Debentures | -3% ₹697 Cr 7,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹689 Cr 69,000
↑ 12,500 Small Industries Development Bank Of India
Debentures | -3% ₹636 Cr 6,400 Small Industries Development Bank Of India
Debentures | -3% ₹601 Cr 6,000 Bharat Petroleum Corporation Limited
Debentures | -3% ₹595 Cr 59,500 HDFC Bank Limited
Debentures | -2% ₹550 Cr 55,000 Hdb Financial Services Limited
Debentures | -2% ₹519 Cr 5,180 3. BNP Paribas Corporate Bond Fund
CAGR/Annualized return of 6% since its launch. Ranked 24 in Corporate Bond category. Return for 2022 was 1.6% , 2021 was 2.2% and 2020 was 9.9% . BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (22 Aug 23) ₹23.615 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹142 on 31 Jul 23 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.89 Sharpe Ratio 0.11 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 7.5% Effective Maturity 5 Years 11 Months 12 Days Modified Duration 4 Years 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹10,021 31 Aug 20 ₹11,075 31 Aug 21 ₹11,556 31 Aug 22 ₹11,622 31 Aug 23 ₹12,385 Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.1% 3 Month 0.6% 6 Month 3.8% 1 Year 6.3% 3 Year 3.8% 5 Year 4.3% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2013 7.1% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Mayank Prakash 23 Aug 17 6.03 Yr. Jay Sheth 1 Sep 23 0 Yr. Data below for BNP Paribas Corporate Bond Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 5.71% Debt 94.29% Debt Sector Allocation
Sector Value Corporate 53.78% Government 40.5% Cash Equivalent 5.71% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2029
Sovereign Bonds | -11% ₹15 Cr 1,500,000 Tata Capital Financial Services Limited
Debentures | -8% ₹11 Cr 1,130 Indian Railway Finance Corporation Limited
Debentures | -8% ₹11 Cr 110 Export Import Bank Of India
Debentures | -7% ₹10 Cr 100 Sundaram Bnp Paribas Home Finance Limited
Debentures | -7% ₹10 Cr 1,000 Power Finance Corporation Ltd.
Debentures | -7% ₹10 Cr 1,000 Hindustan Petroleum Corporation Limited
Debentures | -7% ₹10 Cr 100 HDFC Bank Limited
Debentures | -7% ₹10 Cr 100 GAil (India) Limited
Debentures | -7% ₹10 Cr 100 Power Grid Corporation Of India Limited
Debentures | -7% ₹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 2022 was 3.2% , 2021 was 3.8% and 2020 was 9% . Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (22 Aug 23) ₹85.6695 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹816 on 31 Jul 23 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.78 Sharpe Ratio -0.57 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 7.38% Effective Maturity 2 Years 18 Days Modified Duration 1 Year 8 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,044 31 Aug 20 ₹11,904 31 Aug 21 ₹12,666 31 Aug 22 ₹12,996 31 Aug 23 ₹13,766 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.2% 6 Month 3.5% 1 Year 5.8% 3 Year 5% 5 Year 6.6% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.2% 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% 2015 8.4% 2014 13% 2013 7.5% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Sachin Padwal-Desai 4 Jun 21 2.24 Yr. Umesh Sharma 4 Jun 21 2.24 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 21.37% Debt 78.63% Debt Sector Allocation
Sector Value Government 41.69% Corporate 36.94% Cash Equivalent 21.37% Credit Quality
Rating Value AA 2.42% AAA 97.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Railway Finance Corporation Limited
Debentures | -7% ₹54 Cr 500 HDFC Bank Limited
Debentures | -6% ₹52 Cr 500 Nuclear Power Corporation Of India Limited
Debentures | -6% ₹52 Cr 5,000 National Housing Bank
Debentures | -6% ₹52 Cr 500 Export Import Bank Of India
Debentures | -6% ₹51 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹50 Cr 500 Small Industries Development Bank Of India
Debentures | -6% ₹50 Cr 500 LIC Housing Finance Limited
Debentures | -3% ₹26 Cr 250 Rec Limited
Debentures | -3% ₹26 Cr 250 Power Grid Corporation Of India Limited
Debentures | -3% ₹26 Cr 250
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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