SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-48913909Dashboard

बेस्ट डेट म्यूचुअल फंड 2022

Updated on August 28, 2025 , 64769 views

सर्वश्रेष्ठ डेट फंड निवेश की अवधि के अनुसार अलग-अलग होते हैंइन्वेस्टर. सर्वश्रेष्ठ का चयन करते समय निवेशकों को अपने निवेश के समय के बारे में स्पष्ट होना चाहिएडेट फंड उनके निवेश के लिए और ब्याज दर परिदृश्य में भी कारक।

बहुत कम होल्डिंग अवधि वाले निवेशकों के लिए, जैसे कुछ दिनों से लेकर एक महीने तक,लिक्विड फंड और अति-शॉर्ट टर्म फंड्स प्रासंगिक हो सकता है। जब समय सीमा एक से दो साल की हो तो शॉर्ट टर्म फंड वांछित वाहन हो सकते हैं। लंबी अवधि के लिए, 3 साल से अधिक के लिए, लंबी अवधि के डेट फंड निवेशकों द्वारा सबसे पसंदीदा साधन हैं, खासकर गिरती ब्याज दरों के दौरान। इन सबसे ऊपर, डेट फंड्स की तुलना में कम जोखिम भरा साबित हुआ हैइक्विटीज अल्पकालिक निवेश की तलाश में, हालांकि, लंबी अवधि के आय फंड की अस्थिरता इक्विटी से मेल खा सकती है।

Best Debt Funds

चूंकि डेट फंड सरकारी प्रतिभूतियों, ट्रेजरी बिल, कॉर्पोरेट जैसे निश्चित आय साधनों में निवेश करते हैंबांड, आदि, उनके पास समय के साथ लगातार और नियमित रिटर्न उत्पन्न करने की क्षमता है। हालांकि, ऐसे कई गुणात्मक और मात्रात्मक कारक हैं जिन्हें निवेश करने के लिए सर्वश्रेष्ठ डेट फंडों का चयन करने से पहले समझने की जरूरत है, जैसे - एयूएम, औसत परिपक्वता, कराधान, पोर्टफोलियो की क्रेडिट गुणवत्ता, आदि। नीचे हमने शीर्ष 5 सर्वश्रेष्ठ डेट फंड सूचीबद्ध किए हैं। डेट फंड की विभिन्न श्रेणियों में निवेश करने के लिए -बेस्ट लिक्विड फंड्स, सर्वश्रेष्ठ अल्ट्रा शॉर्ट-टर्म फंड,बेस्ट शॉर्ट टर्म फंड्स, सर्वोत्तम दीर्घकालिक निधि और सर्वोत्तमगिल्ट फंड 2022 - 2023 में निवेश करने के लिए।

डेट म्यूचुअल फंड में निवेश क्यों करें?

ए। नियमित आय उत्पन्न करने के लिए डेट फंड को एक आदर्श निवेश माना जाता है। उदाहरण के लिए, लाभांश भुगतान चुनना नियमित आय का एक विकल्प हो सकता है।

बी। डेट फंड में, निवेशक किसी भी समय निवेश से आवश्यक धन निकाल सकते हैं और शेष धन को निवेशित रहने दे सकते हैं।

सी। चूंकि डेट फंड बड़े पैमाने पर सरकारी प्रतिभूतियों, कॉर्पोरेट ऋण और अन्य प्रतिभूतियों जैसे ट्रेजरी बिल आदि में निवेश करते हैं, वे इक्विटी बाजार की अस्थिरता से प्रभावित नहीं होते हैं।

डी। यदि कोई निवेशक अल्पावधि हासिल करने की योजना बना रहा हैवित्तीय लक्ष्यों या छोटी अवधि के लिए निवेश करें तो डेट फंड एक अच्छा विकल्प हो सकता है। लिक्विड फंड, अल्ट्रा शॉर्ट-टर्म फंड और शॉर्ट-टर्म इनकम फंड वांछित विकल्प हो सकते हैं।

इ। डेट फंड में, निवेशक एक व्यवस्थित निकासी योजना शुरू करके हर महीने निश्चित आय उत्पन्न कर सकते हैं (एसडब्ल्यूपी इसका उल्टा हैसिप /कृपया) मासिक आधार पर एक निश्चित राशि निकालने के लिए। साथ ही, आप आवश्यकता पड़ने पर SWP की राशि को बदल सकते हैं।

डेट म्यूचुअल फंड में जोखिम

जबकिनिवेश डेट फंडों में, निवेशकों को उनसे जुड़े दो प्रमुख जोखिमों- क्रेडिट जोखिम और ब्याज जोखिम के बारे में सतर्क रहना चाहिए।

ए। ऋण जोखिम

एक क्रेडिट जोखिम तब उत्पन्न होता है जब कोई कंपनी जिसने ऋण लिखत जारी किया है वह नियमित भुगतान नहीं करती है। ऐसे मामलों में, फंड पर इसका बड़ा प्रभाव पड़ता है, यह इस बात पर निर्भर करता है कि फंड का पोर्टफोलियो में कितना हिस्सा है। इसलिए, उच्च रेटिंग वाले ऋण उपकरणों में होने का सुझाव दिया जाता है। एकएएए रेटिंग को कम या नगण्य भुगतान के साथ उच्चतम गुणवत्ता माना जाता हैभुगतान में चूक की जोखिम.

बी। ब्याज जोखिम

ब्याज दर जोखिम मौजूदा ब्याज दर में बदलाव के कारण बांड की कीमत में बदलाव को संदर्भित करता है। जब अर्थव्यवस्था में ब्याज दर बढ़ती है तो बांड की कीमतें नीचे गिरती हैं और इसके विपरीत। फंड के पोर्टफोलियो की परिपक्वता जितनी अधिक होगी, ब्याज दर जोखिम के लिए उतना ही अधिक प्रवण होगा। इसलिए बढ़ती ब्याज दर के परिदृश्य में, कम मैच्योरिटी वाले डेट फंडों में जाने की सलाह दी जाती है। और गिरती ब्याज दर परिदृश्य में उल्टा।

ऋण म्युचुअल फंड कराधान

डेट फंड पर कर निहितार्थ की गणना निम्नलिखित तरीके से की जाती है-

ए। शॉर्ट टर्म कैपिटल गेन्स

यदि किसी ऋण निवेश 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।

बी। लॉन्ग टर्म कैपिटल गेन्स

यदि ऋण निवेश की होल्डिंग अवधि 36 महीने से अधिक है, तो इसे दीर्घकालिक निवेश के रूप में वर्गीकृत किया जाता है और इंडेक्सेशन लाभ के साथ 20% कर लगाया जाता है।

राजधानी लाभ निवेश होल्डिंग लाभ कर लगाना
लघु अवधिपूंजीगत लाभ 36 महीने से कम व्यक्ति के टैक्स स्लैब के अनुसार
लॉन्ग टर्म कैपिटल गेन्स 36 महीने से अधिक इंडेक्सेशन लाभ के साथ 20%

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

निवेश के लिए भारत में सर्वश्रेष्ठ ऋण म्युचुअल फंड FY 22 - 23

शीर्ष 5 लिक्विड म्युचुअल फंड

शीर्षतरल एयूएम/शुद्ध संपत्ति वाले फंड > 10,000 करोड़।

FundNAVNet Assets (Cr)Min Investment1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Liquid Fund Growth ₹2,934.48
↑ 0.45
₹36,757 500 0.51.53.377.45.85%1M 12D1M 15D
Invesco India Liquid Fund Growth ₹3,622.32
↑ 0.57
₹14,240 5,000 0.51.53.377.45.78%1M 9D1M 9D
Tata Liquid Fund Growth ₹4,150.74
↑ 0.64
₹22,951 5,000 0.51.53.36.97.35.88%1M 15D1M 15D
Aditya Birla Sun Life Liquid Fund Growth ₹424.644
↑ 0.06
₹51,913 5,000 0.51.53.36.97.35.89%1M 13D1M 13D
Nippon India Liquid Fund  Growth ₹6,431.49
↑ 0.97
₹35,388 100 0.51.53.36.97.35.89%1M 10D1M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAxis Liquid FundInvesco India Liquid FundTata Liquid FundAditya Birla Sun Life Liquid FundNippon India Liquid Fund 
Point 1Upper mid AUM (₹36,757 Cr).Bottom quartile AUM (₹14,240 Cr).Bottom quartile AUM (₹22,951 Cr).Highest AUM (₹51,913 Cr).Lower mid AUM (₹35,388 Cr).
Point 2Established history (15+ yrs).Established history (18+ yrs).Oldest track record among peers (21 yrs).Established history (21+ yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.99% (top quartile).1Y return: 6.95% (upper mid).1Y return: 6.95% (lower mid).1Y return: 6.93% (bottom quartile).1Y return: 6.91% (bottom quartile).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.47% (lower mid).1M return: 0.46% (bottom quartile).
Point 7Sharpe: 3.64 (top quartile).Sharpe: 3.63 (upper mid).Sharpe: 3.33 (lower mid).Sharpe: 3.23 (bottom quartile).Sharpe: 3.10 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 5.85% (bottom quartile).Yield to maturity (debt): 5.78% (bottom quartile).Yield to maturity (debt): 5.88% (lower mid).Yield to maturity (debt): 5.89% (top quartile).Yield to maturity (debt): 5.89% (upper mid).
Point 10Modified duration: 0.12 yrs (lower mid).Modified duration: 0.11 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).

Axis Liquid Fund

  • Upper mid AUM (₹36,757 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.99% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.64 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.85% (bottom quartile).
  • Modified duration: 0.12 yrs (lower mid).

Invesco India Liquid Fund

  • Bottom quartile AUM (₹14,240 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.95% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.63 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.78% (bottom quartile).
  • Modified duration: 0.11 yrs (top quartile).

Tata Liquid Fund

  • Bottom quartile AUM (₹22,951 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.95% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.33 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.88% (lower mid).
  • Modified duration: 0.13 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

  • Highest AUM (₹51,913 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (bottom quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.23 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.89% (top quartile).
  • Modified duration: 0.12 yrs (bottom quartile).

Nippon India Liquid Fund 

  • Lower mid AUM (₹35,388 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.91% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.10 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.89% (upper mid).
  • Modified duration: 0.11 yrs (upper mid).

शीर्ष 5 अल्ट्रा शॉर्ट टर्म बॉन्ड म्यूचुअल फंड

शीर्षअल्ट्रा शॉर्ट बॉन्ड एयूएम/शुद्ध संपत्ति के साथ फंड> 1,000 करोड़।

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹554.641
↑ 0.03
₹20,795 1,000 1.747.97.47.96.6%5M 26D7M 2D
UTI Ultra Short Term Fund Growth ₹4,281.77
↑ 0.31
₹4,337 5,000 1.53.67.16.87.26.42%5M 19D6M 10D
ICICI Prudential Ultra Short Term Fund Growth ₹28.0036
↑ 0.00
₹16,382 5,000 1.63.87.57.17.56.63%4M 24D7M 6D
SBI Magnum Ultra Short Duration Fund Growth ₹6,037.61
↑ 0.50
₹15,902 5,000 1.63.77.47.17.46.13%4M 20D5M 12D
Invesco India Ultra Short Term Fund Growth ₹2,725.33
↑ 0.25
₹1,191 5,000 1.63.77.36.97.56.23%5M 9D5M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Savings FundUTI Ultra Short Term FundICICI Prudential Ultra Short Term FundSBI Magnum Ultra Short Duration FundInvesco India Ultra Short Term Fund
Point 1Highest AUM (₹20,795 Cr).Bottom quartile AUM (₹4,337 Cr).Upper mid AUM (₹16,382 Cr).Lower mid AUM (₹15,902 Cr).Bottom quartile AUM (₹1,191 Cr).
Point 2Established history (22+ yrs).Established history (22+ yrs).Established history (14+ yrs).Oldest track record among peers (26 yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Low.Risk profile: Moderate.
Point 51Y return: 7.94% (top quartile).1Y return: 7.15% (bottom quartile).1Y return: 7.47% (upper mid).1Y return: 7.37% (lower mid).1Y return: 7.33% (bottom quartile).
Point 61M return: 0.45% (upper mid).1M return: 0.43% (bottom quartile).1M return: 0.46% (top quartile).1M return: 0.45% (bottom quartile).1M return: 0.45% (lower mid).
Point 7Sharpe: 3.76 (top quartile).Sharpe: 2.14 (bottom quartile).Sharpe: 2.80 (upper mid).Sharpe: 2.77 (lower mid).Sharpe: 2.75 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.60% (upper mid).Yield to maturity (debt): 6.42% (lower mid).Yield to maturity (debt): 6.63% (top quartile).Yield to maturity (debt): 6.13% (bottom quartile).Yield to maturity (debt): 6.23% (bottom quartile).
Point 10Modified duration: 0.49 yrs (bottom quartile).Modified duration: 0.47 yrs (bottom quartile).Modified duration: 0.40 yrs (upper mid).Modified duration: 0.39 yrs (top quartile).Modified duration: 0.44 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹20,795 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.94% (top quartile).
  • 1M return: 0.45% (upper mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.60% (upper mid).
  • Modified duration: 0.49 yrs (bottom quartile).

UTI Ultra Short Term Fund

  • Bottom quartile AUM (₹4,337 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.15% (bottom quartile).
  • 1M return: 0.43% (bottom quartile).
  • Sharpe: 2.14 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.42% (lower mid).
  • Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹16,382 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.47% (upper mid).
  • 1M return: 0.46% (top quartile).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.63% (top quartile).
  • Modified duration: 0.40 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

  • Lower mid AUM (₹15,902 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.37% (lower mid).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 2.77 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.13% (bottom quartile).
  • Modified duration: 0.39 yrs (top quartile).

Invesco India Ultra Short Term Fund

  • Bottom quartile AUM (₹1,191 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.33% (bottom quartile).
  • 1M return: 0.45% (lower mid).
  • Sharpe: 2.75 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.23% (bottom quartile).
  • Modified duration: 0.44 yrs (lower mid).

टॉप और बेस्ट फ्लोटिंग रेट म्युचुअल फंड्स

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Floating Rate Fund - Long Term Growth ₹351.908
↓ -0.05
₹13,620 1,000 1.54.38.17.67.96.48%10M 17D1Y 9M 4D
Nippon India Floating Rate Fund Growth ₹45.6648
↓ -0.02
₹8,175 5,000 14.58.47.78.26.88%2Y 6M 4D3Y 4M 28D
ICICI Prudential Floating Interest Fund Growth ₹429.274
↓ -0.15
₹7,555 5,000 1.54.27.87.887.3%1Y 25D3Y 10M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 3 Funds showcased

CommentaryAditya Birla Sun Life Floating Rate Fund - Long TermNippon India Floating Rate FundICICI Prudential Floating Interest Fund
Point 1Highest AUM (₹13,620 Cr).Lower mid AUM (₹8,175 Cr).Bottom quartile AUM (₹7,555 Cr).
Point 2Established history (16+ yrs).Oldest track record among peers (21 yrs).Established history (19+ yrs).
Point 3Top rated.Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 8.09% (lower mid).1Y return: 8.44% (upper mid).1Y return: 7.78% (bottom quartile).
Point 61M return: 0.34% (lower mid).1M return: 0.10% (bottom quartile).1M return: 0.36% (upper mid).
Point 7Sharpe: 2.73 (upper mid).Sharpe: 2.19 (lower mid).Sharpe: 2.16 (bottom quartile).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.48% (bottom quartile).Yield to maturity (debt): 6.88% (lower mid).Yield to maturity (debt): 7.30% (upper mid).
Point 10Modified duration: 0.88 yrs (upper mid).Modified duration: 2.51 yrs (bottom quartile).Modified duration: 1.07 yrs (lower mid).

Aditya Birla Sun Life Floating Rate Fund - Long Term

  • Highest AUM (₹13,620 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 8.09% (lower mid).
  • 1M return: 0.34% (lower mid).
  • Sharpe: 2.73 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.48% (bottom quartile).
  • Modified duration: 0.88 yrs (upper mid).

Nippon India Floating Rate Fund

  • Lower mid AUM (₹8,175 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.44% (upper mid).
  • 1M return: 0.10% (bottom quartile).
  • Sharpe: 2.19 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.88% (lower mid).
  • Modified duration: 2.51 yrs (bottom quartile).

ICICI Prudential Floating Interest Fund

  • Bottom quartile AUM (₹7,555 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.78% (bottom quartile).
  • 1M return: 0.36% (upper mid).
  • Sharpe: 2.16 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.30% (upper mid).
  • Modified duration: 1.07 yrs (lower mid).

शीर्ष 5 सर्वश्रेष्ठ मुद्रा बाजार म्युचुअल फंड

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth ₹374.625
↑ 0.04
₹29,515 1,000 1.74.17.97.57.86.17%5M 19D5M 19D
UTI Money Market Fund Growth ₹3,122.42
↑ 0.30
₹20,554 10,000 1.74.187.67.76.16%6M 20D6M 20D
ICICI Prudential Money Market Fund Growth ₹384.228
↑ 0.04
₹36,942 500 1.74.17.97.57.76.1%5M 24D6M 6D
Kotak Money Market Scheme Growth ₹4,546.11
↑ 0.44
₹35,215 5,000 1.64.17.97.57.76.14%6M 11D6M 11D
Franklin India Savings Fund Growth ₹50.7896
↑ 0.00
₹4,080 10,000 1.64.17.97.47.76.08%5M 26D6M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Money Manager FundUTI Money Market FundICICI Prudential Money Market FundKotak Money Market SchemeFranklin India Savings Fund
Point 1Lower mid AUM (₹29,515 Cr).Bottom quartile AUM (₹20,554 Cr).Highest AUM (₹36,942 Cr).Upper mid AUM (₹35,215 Cr).Bottom quartile AUM (₹4,080 Cr).
Point 2Established history (19+ yrs).Established history (16+ yrs).Established history (19+ yrs).Established history (22+ yrs).Oldest track record among peers (23 yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.
Point 51Y return: 7.89% (bottom quartile).1Y return: 7.96% (top quartile).1Y return: 7.92% (lower mid).1Y return: 7.86% (bottom quartile).1Y return: 7.94% (upper mid).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (lower mid).1M return: 0.45% (bottom quartile).1M return: 0.45% (bottom quartile).
Point 7Sharpe: 3.35 (top quartile).Sharpe: 3.26 (upper mid).Sharpe: 3.08 (lower mid).Sharpe: 3.07 (bottom quartile).Sharpe: 3.04 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.17% (top quartile).Yield to maturity (debt): 6.16% (upper mid).Yield to maturity (debt): 6.10% (bottom quartile).Yield to maturity (debt): 6.14% (lower mid).Yield to maturity (debt): 6.08% (bottom quartile).
Point 10Modified duration: 0.47 yrs (top quartile).Modified duration: 0.56 yrs (bottom quartile).Modified duration: 0.48 yrs (upper mid).Modified duration: 0.53 yrs (bottom quartile).Modified duration: 0.49 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

  • Lower mid AUM (₹29,515 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.89% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.35 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.17% (top quartile).
  • Modified duration: 0.47 yrs (top quartile).

UTI Money Market Fund

  • Bottom quartile AUM (₹20,554 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.96% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.26 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.16% (upper mid).
  • Modified duration: 0.56 yrs (bottom quartile).

ICICI Prudential Money Market Fund

  • Highest AUM (₹36,942 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.92% (lower mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.08 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.10% (bottom quartile).
  • Modified duration: 0.48 yrs (upper mid).

Kotak Money Market Scheme

  • Upper mid AUM (₹35,215 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.86% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.07 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.14% (lower mid).
  • Modified duration: 0.53 yrs (bottom quartile).

Franklin India Savings Fund

  • Bottom quartile AUM (₹4,080 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.94% (upper mid).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.04 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.49 yrs (lower mid).

शीर्ष 5 शॉर्ट टर्म बॉन्ड म्यूचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
PGIM India Short Maturity Fund Growth ₹39.3202
↓ 0.00
₹281.23.16.14.2 7.18%1Y 7M 28D1Y 11M 1D
Nippon India Short Term Fund Growth ₹53.2938
↓ -0.03
₹8,7390.74.58.47.486.93%2Y 7M 24D3Y 4M 2D
ICICI Prudential Short Term Fund Growth ₹60.7715
↓ -0.05
₹22,0701.14.58.27.77.87.11%2Y 2M 5D4Y 25D
Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹47.9999
↓ -0.03
₹10,5240.84.38.17.37.96.93%2Y 8M 26D3Y 7M 6D
UTI Short Term Income Fund Growth ₹32.0124
↓ -0.03
₹3,2960.84.387.37.96.75%2Y 6M 29D3Y 3M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23

Research Highlights & Commentary of 5 Funds showcased

Commentary PGIM India Short Maturity FundNippon India Short Term FundICICI Prudential Short Term FundAditya Birla Sun Life Short Term Opportunities FundUTI Short Term Income Fund
Point 1Bottom quartile AUM (₹28 Cr).Lower mid AUM (₹8,739 Cr).Highest AUM (₹22,070 Cr).Upper mid AUM (₹10,524 Cr).Bottom quartile AUM (₹3,296 Cr).
Point 2Established history (22+ yrs).Established history (22+ yrs).Oldest track record among peers (23 yrs).Established history (22+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 6.08% (bottom quartile).1Y return: 8.35% (top quartile).1Y return: 8.16% (upper mid).1Y return: 8.11% (lower mid).1Y return: 8.04% (bottom quartile).
Point 61M return: 0.43% (top quartile).1M return: -0.04% (bottom quartile).1M return: 0.09% (upper mid).1M return: 0.00% (bottom quartile).1M return: 0.06% (lower mid).
Point 7Sharpe: -0.98 (bottom quartile).Sharpe: 1.99 (upper mid).Sharpe: 2.15 (top quartile).Sharpe: 1.86 (lower mid).Sharpe: 1.77 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.18% (top quartile).Yield to maturity (debt): 6.93% (lower mid).Yield to maturity (debt): 7.11% (upper mid).Yield to maturity (debt): 6.93% (bottom quartile).Yield to maturity (debt): 6.75% (bottom quartile).
Point 10Modified duration: 1.66 yrs (top quartile).Modified duration: 2.65 yrs (bottom quartile).Modified duration: 2.18 yrs (upper mid).Modified duration: 2.74 yrs (bottom quartile).Modified duration: 2.58 yrs (lower mid).

PGIM India Short Maturity Fund

  • Bottom quartile AUM (₹28 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.08% (bottom quartile).
  • 1M return: 0.43% (top quartile).
  • Sharpe: -0.98 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.18% (top quartile).
  • Modified duration: 1.66 yrs (top quartile).

Nippon India Short Term Fund

  • Lower mid AUM (₹8,739 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.35% (top quartile).
  • 1M return: -0.04% (bottom quartile).
  • Sharpe: 1.99 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.93% (lower mid).
  • Modified duration: 2.65 yrs (bottom quartile).

ICICI Prudential Short Term Fund

  • Highest AUM (₹22,070 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.16% (upper mid).
  • 1M return: 0.09% (upper mid).
  • Sharpe: 2.15 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.11% (upper mid).
  • Modified duration: 2.18 yrs (upper mid).

Aditya Birla Sun Life Short Term Opportunities Fund

  • Upper mid AUM (₹10,524 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.11% (lower mid).
  • 1M return: 0.00% (bottom quartile).
  • Sharpe: 1.86 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.93% (bottom quartile).
  • Modified duration: 2.74 yrs (bottom quartile).

UTI Short Term Income Fund

  • Bottom quartile AUM (₹3,296 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.04% (bottom quartile).
  • 1M return: 0.06% (lower mid).
  • Sharpe: 1.77 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.75% (bottom quartile).
  • Modified duration: 2.58 yrs (lower mid).

शीर्ष 5 मध्यम से लंबी अवधि के बॉन्ड म्युचुअल फंड

शीर्षमध्यम से लंबी अवधि के बांड एयूएम/नेट एसेट्स के साथ फंड> 500 करोड़।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Magnum Income Fund Growth ₹70.3089
↓ -0.20
₹2,001-1.42.96.178.17.02%5Y 8M 1D8Y 4M 24D
ICICI Prudential Bond Fund Growth ₹40.0874
↓ -0.09
₹2,884-1.13.377.58.67.05%5Y 2M 23D14Y 3M 22D
Aditya Birla Sun Life Income Fund Growth ₹124.618
↓ -0.18
₹2,056-1.72.85.76.68.46.97%6Y 7M 17D14Y 8M 12D
HDFC Income Fund Growth ₹57.7197
↓ -0.18
₹954-2.12.75.76.696.67%6Y 8M 1D12Y 7D
Kotak Bond Fund Growth ₹76.1193
↓ -0.19
₹2,095-1.82.65.36.68.26.69%6Y 5M 12D13Y 5M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Magnum Income FundICICI Prudential Bond FundAditya Birla Sun Life Income FundHDFC Income FundKotak Bond Fund
Point 1Bottom quartile AUM (₹2,001 Cr).Highest AUM (₹2,884 Cr).Lower mid AUM (₹2,056 Cr).Bottom quartile AUM (₹954 Cr).Upper mid AUM (₹2,095 Cr).
Point 2Established history (26+ yrs).Established history (17+ yrs).Oldest track record among peers (29 yrs).Established history (24+ yrs).Established history (25+ yrs).
Point 3Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 6.11% (upper mid).1Y return: 7.03% (top quartile).1Y return: 5.69% (lower mid).1Y return: 5.66% (bottom quartile).1Y return: 5.33% (bottom quartile).
Point 61M return: -0.97% (top quartile).1M return: -1.23% (lower mid).1M return: -1.17% (upper mid).1M return: -1.38% (bottom quartile).1M return: -1.38% (bottom quartile).
Point 7Sharpe: 0.57 (upper mid).Sharpe: 1.21 (top quartile).Sharpe: 0.46 (bottom quartile).Sharpe: 0.53 (lower mid).Sharpe: 0.45 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.02% (upper mid).Yield to maturity (debt): 7.05% (top quartile).Yield to maturity (debt): 6.97% (lower mid).Yield to maturity (debt): 6.67% (bottom quartile).Yield to maturity (debt): 6.69% (bottom quartile).
Point 10Modified duration: 5.67 yrs (upper mid).Modified duration: 5.23 yrs (top quartile).Modified duration: 6.63 yrs (bottom quartile).Modified duration: 6.67 yrs (bottom quartile).Modified duration: 6.45 yrs (lower mid).

SBI Magnum Income Fund

  • Bottom quartile AUM (₹2,001 Cr).
  • Established history (26+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.11% (upper mid).
  • 1M return: -0.97% (top quartile).
  • Sharpe: 0.57 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.02% (upper mid).
  • Modified duration: 5.67 yrs (upper mid).

ICICI Prudential Bond Fund

  • Highest AUM (₹2,884 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.03% (top quartile).
  • 1M return: -1.23% (lower mid).
  • Sharpe: 1.21 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.05% (top quartile).
  • Modified duration: 5.23 yrs (top quartile).

Aditya Birla Sun Life Income Fund

  • Lower mid AUM (₹2,056 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.69% (lower mid).
  • 1M return: -1.17% (upper mid).
  • Sharpe: 0.46 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.97% (lower mid).
  • Modified duration: 6.63 yrs (bottom quartile).

HDFC Income Fund

  • Bottom quartile AUM (₹954 Cr).
  • Established history (24+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.66% (bottom quartile).
  • 1M return: -1.38% (bottom quartile).
  • Sharpe: 0.53 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.67% (bottom quartile).
  • Modified duration: 6.67 yrs (bottom quartile).

Kotak Bond Fund

  • Upper mid AUM (₹2,095 Cr).
  • Established history (25+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.33% (bottom quartile).
  • 1M return: -1.38% (bottom quartile).
  • Sharpe: 0.45 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.69% (bottom quartile).
  • Modified duration: 6.45 yrs (lower mid).

शीर्ष 5 बैंकिंग और पीएसयू डेट म्यूचुअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Banking & PSU Debt Fund Growth ₹22.1725
↓ -0.01
₹8101.14.68.27.17.66.47%1Y 9M 11D2Y 11D
HDFC Banking and PSU Debt Fund Growth ₹23.1776
↓ -0.01
₹5,9350.34.37.87.27.96.78%3Y 6M 7D5Y 1M 17D
Kotak Banking and PSU Debt fund Growth ₹65.8476
↓ -0.05
₹5,9830.34.37.87.386.82%3Y 5M 5D5Y 5M 23D
ICICI Prudential Banking and PSU Debt Fund Growth ₹32.9923
↓ -0.02
₹10,3540.64.27.87.57.96.81%2Y 9M5Y 7D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹369.247
↓ -0.13
₹9,1430.24.27.87.27.96.79%3Y 11M 1D5Y 4M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Banking & PSU Debt FundHDFC Banking and PSU Debt FundKotak Banking and PSU Debt fundICICI Prudential Banking and PSU Debt FundAditya Birla Sun Life Banking & PSU Debt Fund
Point 1Bottom quartile AUM (₹810 Cr).Bottom quartile AUM (₹5,935 Cr).Lower mid AUM (₹5,983 Cr).Highest AUM (₹10,354 Cr).Upper mid AUM (₹9,143 Cr).
Point 2Established history (11+ yrs).Established history (11+ yrs).Oldest track record among peers (26 yrs).Established history (15+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 8.17% (top quartile).1Y return: 7.79% (bottom quartile).1Y return: 7.81% (upper mid).1Y return: 7.80% (lower mid).1Y return: 7.78% (bottom quartile).
Point 61M return: 0.22% (top quartile).1M return: -0.16% (lower mid).1M return: -0.18% (bottom quartile).1M return: -0.05% (upper mid).1M return: -0.17% (bottom quartile).
Point 7Sharpe: 1.86 (top quartile).Sharpe: 1.31 (bottom quartile).Sharpe: 1.39 (lower mid).Sharpe: 1.65 (upper mid).Sharpe: 1.34 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.47% (bottom quartile).Yield to maturity (debt): 6.78% (bottom quartile).Yield to maturity (debt): 6.82% (top quartile).Yield to maturity (debt): 6.81% (upper mid).Yield to maturity (debt): 6.79% (lower mid).
Point 10Modified duration: 1.78 yrs (top quartile).Modified duration: 3.52 yrs (bottom quartile).Modified duration: 3.43 yrs (lower mid).Modified duration: 2.75 yrs (upper mid).Modified duration: 3.92 yrs (bottom quartile).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹810 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.17% (top quartile).
  • 1M return: 0.22% (top quartile).
  • Sharpe: 1.86 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.47% (bottom quartile).
  • Modified duration: 1.78 yrs (top quartile).

HDFC Banking and PSU Debt Fund

  • Bottom quartile AUM (₹5,935 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.79% (bottom quartile).
  • 1M return: -0.16% (lower mid).
  • Sharpe: 1.31 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.78% (bottom quartile).
  • Modified duration: 3.52 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

  • Lower mid AUM (₹5,983 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.81% (upper mid).
  • 1M return: -0.18% (bottom quartile).
  • Sharpe: 1.39 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.82% (top quartile).
  • Modified duration: 3.43 yrs (lower mid).

ICICI Prudential Banking and PSU Debt Fund

  • Highest AUM (₹10,354 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.80% (lower mid).
  • 1M return: -0.05% (upper mid).
  • Sharpe: 1.65 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.81% (upper mid).
  • Modified duration: 2.75 yrs (upper mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

  • Upper mid AUM (₹9,143 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.78% (bottom quartile).
  • 1M return: -0.17% (bottom quartile).
  • Sharpe: 1.34 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.79% (lower mid).
  • Modified duration: 3.92 yrs (bottom quartile).

शीर्ष 5 क्रेडिट जोखिम म्युचुअल फंड

शीर्षऋण जोखिम एयूएम/नेट एसेट्स के साथ फंड> 500 करोड़।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Credit Risk Fund Growth ₹46.0693
↓ -0.04
₹2,2211.34.48.188.17.93%2Y 2M 1D2Y 11M 16D
HDFC Credit Risk Debt Fund Growth ₹24.2851
↓ -0.01
₹7,0151.14.37.97.38.27.93%2Y 5M 26D3Y 10M 10D
Kotak Credit Risk Fund Growth ₹29.7891
↑ 0.02
₹6951.34.87.177.17.97%2Y 4M 28D3Y 22D
Nippon India Credit Risk Fund Growth ₹35.4798
↓ -0.01
₹1,0141.75.19.38.28.38.28%1Y 11M 12D2Y 3M 25D
ICICI Prudential Regular Savings Fund Growth ₹32.1704
↑ 0.01
₹6,0441.54.88.77.98.57.91%1Y 10M 13D2Y 7M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Credit Risk FundHDFC Credit Risk Debt FundKotak Credit Risk FundNippon India Credit Risk FundICICI Prudential Regular Savings Fund
Point 1Lower mid AUM (₹2,221 Cr).Highest AUM (₹7,015 Cr).Bottom quartile AUM (₹695 Cr).Bottom quartile AUM (₹1,014 Cr).Upper mid AUM (₹6,044 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (20+ yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 8.14% (lower mid).1Y return: 7.92% (bottom quartile).1Y return: 7.15% (bottom quartile).1Y return: 9.32% (top quartile).1Y return: 8.70% (upper mid).
Point 61M return: 0.17% (bottom quartile).1M return: 0.12% (bottom quartile).1M return: 0.19% (lower mid).1M return: 0.31% (upper mid).1M return: 0.31% (top quartile).
Point 7Sharpe: 2.43 (lower mid).Sharpe: 1.91 (bottom quartile).Sharpe: 0.73 (bottom quartile).Sharpe: 3.44 (top quartile).Sharpe: 2.62 (upper mid).
Point 8Information 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 9Yield to maturity (debt): 7.93% (lower mid).Yield to maturity (debt): 7.93% (bottom quartile).Yield to maturity (debt): 7.97% (upper mid).Yield to maturity (debt): 8.28% (top quartile).Yield to maturity (debt): 7.91% (bottom quartile).
Point 10Modified duration: 2.17 yrs (lower mid).Modified duration: 2.49 yrs (bottom quartile).Modified duration: 2.41 yrs (bottom quartile).Modified duration: 1.95 yrs (upper mid).Modified duration: 1.87 yrs (top quartile).

SBI Credit Risk Fund

  • Lower mid AUM (₹2,221 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.14% (lower mid).
  • 1M return: 0.17% (bottom quartile).
  • Sharpe: 2.43 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.93% (lower mid).
  • Modified duration: 2.17 yrs (lower mid).

HDFC Credit Risk Debt Fund

  • Highest AUM (₹7,015 Cr).
  • Established history (11+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.92% (bottom quartile).
  • 1M return: 0.12% (bottom quartile).
  • Sharpe: 1.91 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.93% (bottom quartile).
  • Modified duration: 2.49 yrs (bottom quartile).

Kotak Credit Risk Fund

  • Bottom quartile AUM (₹695 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.15% (bottom quartile).
  • 1M return: 0.19% (lower mid).
  • Sharpe: 0.73 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.97% (upper mid).
  • Modified duration: 2.41 yrs (bottom quartile).

Nippon India Credit Risk Fund

  • Bottom quartile AUM (₹1,014 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 9.32% (top quartile).
  • 1M return: 0.31% (upper mid).
  • Sharpe: 3.44 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.28% (top quartile).
  • Modified duration: 1.95 yrs (upper mid).

ICICI Prudential Regular Savings Fund

  • Upper mid AUM (₹6,044 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.70% (upper mid).
  • 1M return: 0.31% (top quartile).
  • Sharpe: 2.62 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.91% (bottom quartile).
  • Modified duration: 1.87 yrs (top quartile).

शीर्ष 5 गतिशील बांड म्युचुअल फंड

शीर्षगतिशील बंधन एयूएम/नेट एसेट्स के साथ फंड> 500 करोड़।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Dynamic Bond Fund Growth ₹35.5805
↓ -0.03
₹3,805-1.63.35.97.58.66.83%5Y 9M 11D9Y 8M 12D
Aditya Birla Sun Life Dynamic Bond Fund Growth ₹46.3184
↓ -0.07
₹1,928-1.147.27.38.87.31%6Y 3M11Y 3M 4D
Axis Dynamic Bond Fund Growth ₹29.5425
↓ -0.05
₹1,267-1.146.97.18.66.55%5Y 5M 12D11Y 6M 11D
HDFC Dynamic Debt Fund Growth ₹88.3336
↓ -0.24
₹822-2.61.84.56.48.56.86%7Y 10M 17D20Y 2M 26D
Bandhan Dynamic Bond Fund Growth ₹33.0987
↓ -0.24
₹2,855-4.20.92.15.9106.97%10Y 7M 2D21Y 5M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Dynamic Bond FundAditya Birla Sun Life Dynamic Bond FundAxis Dynamic Bond FundHDFC Dynamic Debt FundBandhan Dynamic Bond Fund
Point 1Highest AUM (₹3,805 Cr).Lower mid AUM (₹1,928 Cr).Bottom quartile AUM (₹1,267 Cr).Bottom quartile AUM (₹822 Cr).Upper mid AUM (₹2,855 Cr).
Point 2Established history (21+ yrs).Established history (20+ yrs).Established history (14+ yrs).Oldest track record among peers (28 yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 5.85% (lower mid).1Y return: 7.18% (top quartile).1Y return: 6.85% (upper mid).1Y return: 4.50% (bottom quartile).1Y return: 2.10% (bottom quartile).
Point 61M return: -0.65% (top quartile).1M return: -0.77% (upper mid).1M return: -0.85% (lower mid).1M return: -1.80% (bottom quartile).1M return: -2.38% (bottom quartile).
Point 7Sharpe: 0.30 (lower mid).Sharpe: 0.84 (top quartile).Sharpe: 0.73 (upper mid).Sharpe: 0.28 (bottom quartile).Sharpe: -0.14 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.83% (bottom quartile).Yield to maturity (debt): 7.31% (top quartile).Yield to maturity (debt): 6.55% (bottom quartile).Yield to maturity (debt): 6.86% (lower mid).Yield to maturity (debt): 6.97% (upper mid).
Point 10Modified duration: 5.78 yrs (upper mid).Modified duration: 6.25 yrs (lower mid).Modified duration: 5.45 yrs (top quartile).Modified duration: 7.88 yrs (bottom quartile).Modified duration: 10.59 yrs (bottom quartile).

SBI Dynamic Bond Fund

  • Highest AUM (₹3,805 Cr).
  • Established history (21+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.85% (lower mid).
  • 1M return: -0.65% (top quartile).
  • Sharpe: 0.30 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.83% (bottom quartile).
  • Modified duration: 5.78 yrs (upper mid).

Aditya Birla Sun Life Dynamic Bond Fund

  • Lower mid AUM (₹1,928 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.18% (top quartile).
  • 1M return: -0.77% (upper mid).
  • Sharpe: 0.84 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.31% (top quartile).
  • Modified duration: 6.25 yrs (lower mid).

Axis Dynamic Bond Fund

  • Bottom quartile AUM (₹1,267 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.85% (upper mid).
  • 1M return: -0.85% (lower mid).
  • Sharpe: 0.73 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.55% (bottom quartile).
  • Modified duration: 5.45 yrs (top quartile).

HDFC Dynamic Debt Fund

  • Bottom quartile AUM (₹822 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.50% (bottom quartile).
  • 1M return: -1.80% (bottom quartile).
  • Sharpe: 0.28 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.86% (lower mid).
  • Modified duration: 7.88 yrs (bottom quartile).

Bandhan Dynamic Bond Fund

  • Upper mid AUM (₹2,855 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 2.10% (bottom quartile).
  • 1M return: -2.38% (bottom quartile).
  • Sharpe: -0.14 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.97% (upper mid).
  • Modified duration: 10.59 yrs (bottom quartile).

शीर्ष 5 कॉर्पोरेट बॉन्ड म्यूचुअल फंड

शीर्षकॉरपोरेट बॉन्ड एयूएम/शुद्ध संपत्ति के साथ फंड> 500 करोड़।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Corporate Bond Fund Growth ₹32.7428
↓ -0.03
₹35,9680.14.17.97.58.66.88%4Y 2M 12D6Y 9M 11D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.433
↓ -0.16
₹28,59803.97.77.68.56.9%4Y 6M 11D6Y 10M 17D
Nippon India Prime Debt Fund Growth ₹60.487
↓ -0.06
₹10,0130.44.58.47.88.46.81%3Y 6M 7D4Y 7M 20D
Kotak Corporate Bond Fund Standard Growth ₹3,805.42
↓ -2.77
₹17,8110.54.48.27.58.36.83%3Y 3M 4D4Y 11M 16D
ICICI Prudential Corporate Bond Fund Growth ₹30.1121
↓ -0.03
₹33,5740.94.48.27.886.78%2Y 5M 26D4Y 6M 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Corporate Bond FundAditya Birla Sun Life Corporate Bond FundNippon India Prime Debt FundKotak Corporate Bond Fund Standard ICICI Prudential Corporate Bond Fund
Point 1Highest AUM (₹35,968 Cr).Lower mid AUM (₹28,598 Cr).Bottom quartile AUM (₹10,013 Cr).Bottom quartile AUM (₹17,811 Cr).Upper mid AUM (₹33,574 Cr).
Point 2Established history (15+ yrs).Oldest track record among peers (28 yrs).Established history (24+ yrs).Established history (17+ yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 7.85% (bottom quartile).1Y return: 7.73% (bottom quartile).1Y return: 8.40% (top quartile).1Y return: 8.22% (upper mid).1Y return: 8.16% (lower mid).
Point 61M return: -0.31% (bottom quartile).1M return: -0.39% (bottom quartile).1M return: -0.23% (lower mid).1M return: -0.12% (upper mid).1M return: 0.02% (top quartile).
Point 7Sharpe: 1.46 (bottom quartile).Sharpe: 1.54 (bottom quartile).Sharpe: 1.79 (lower mid).Sharpe: 1.80 (upper mid).Sharpe: 2.12 (top quartile).
Point 8Information 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 9Yield to maturity (debt): 6.88% (upper mid).Yield to maturity (debt): 6.90% (top quartile).Yield to maturity (debt): 6.81% (bottom quartile).Yield to maturity (debt): 6.83% (lower mid).Yield to maturity (debt): 6.78% (bottom quartile).
Point 10Modified duration: 4.20 yrs (bottom quartile).Modified duration: 4.53 yrs (bottom quartile).Modified duration: 3.52 yrs (lower mid).Modified duration: 3.26 yrs (upper mid).Modified duration: 2.49 yrs (top quartile).

HDFC Corporate Bond Fund

  • Highest AUM (₹35,968 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.85% (bottom quartile).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 1.46 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.88% (upper mid).
  • Modified duration: 4.20 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

  • Lower mid AUM (₹28,598 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.73% (bottom quartile).
  • 1M return: -0.39% (bottom quartile).
  • Sharpe: 1.54 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.90% (top quartile).
  • Modified duration: 4.53 yrs (bottom quartile).

Nippon India Prime Debt Fund

  • Bottom quartile AUM (₹10,013 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.40% (top quartile).
  • 1M return: -0.23% (lower mid).
  • Sharpe: 1.79 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 3.52 yrs (lower mid).

Kotak Corporate Bond Fund Standard

  • Bottom quartile AUM (₹17,811 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.22% (upper mid).
  • 1M return: -0.12% (upper mid).
  • Sharpe: 1.80 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.83% (lower mid).
  • Modified duration: 3.26 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

  • Upper mid AUM (₹33,574 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.16% (lower mid).
  • 1M return: 0.02% (top quartile).
  • Sharpe: 2.12 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.78% (bottom quartile).
  • Modified duration: 2.49 yrs (top quartile).

शीर्ष 5 गिल्ट म्यूचुअल फंड

शीर्षउपयुक्त है एयूएम/नेट एसेट्स के साथ फंड> 500 करोड़।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Magnum Constant Maturity Fund Growth ₹63.4319
↓ -0.21
₹1,884-1.73.477.59.16.61%6Y 9M 14D9Y 6M 25D
ICICI Prudential Gilt Fund Growth ₹102.404
↓ -0.30
₹7,330-1.23.46.87.68.26.63%4Y 2M 5D12Y 9M 7D
SBI Magnum Gilt Fund Growth ₹65.0537
↓ -0.21
₹11,980-3.12.14.57.28.96.73%8Y 4M 28D17Y 3M 18D
UTI Gilt Fund Growth ₹61.8017
↓ -0.30
₹615-3.11.94.46.68.96.86%9Y 22D20Y 8M 26D
Nippon India Gilt Securities Fund Growth ₹37.2517
↓ -0.15
₹2,057-3.71.23.66.38.96.9%9Y 18D21Y 2M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Magnum Constant Maturity FundICICI Prudential Gilt FundSBI Magnum Gilt FundUTI Gilt FundNippon India Gilt Securities Fund
Point 1Bottom quartile AUM (₹1,884 Cr).Upper mid AUM (₹7,330 Cr).Highest AUM (₹11,980 Cr).Bottom quartile AUM (₹615 Cr).Lower mid AUM (₹2,057 Cr).
Point 2Established history (24+ yrs).Oldest track record among peers (26 yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 7.01% (top quartile).1Y return: 6.84% (upper mid).1Y return: 4.49% (lower mid).1Y return: 4.41% (bottom quartile).1Y return: 3.55% (bottom quartile).
Point 61M return: -1.23% (top quartile).1M return: -1.31% (upper mid).1M return: -1.65% (lower mid).1M return: -2.14% (bottom quartile).1M return: -2.29% (bottom quartile).
Point 7Sharpe: 0.97 (upper mid).Sharpe: 1.16 (top quartile).Sharpe: 0.20 (bottom quartile).Sharpe: 0.31 (lower mid).Sharpe: 0.13 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.61% (bottom quartile).Yield to maturity (debt): 6.63% (bottom quartile).Yield to maturity (debt): 6.73% (lower mid).Yield to maturity (debt): 6.86% (upper mid).Yield to maturity (debt): 6.90% (top quartile).
Point 10Modified duration: 6.79 yrs (upper mid).Modified duration: 4.18 yrs (top quartile).Modified duration: 8.41 yrs (lower mid).Modified duration: 9.06 yrs (bottom quartile).Modified duration: 9.05 yrs (bottom quartile).

SBI Magnum Constant Maturity Fund

  • Bottom quartile AUM (₹1,884 Cr).
  • Established history (24+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.01% (top quartile).
  • 1M return: -1.23% (top quartile).
  • Sharpe: 0.97 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.61% (bottom quartile).
  • Modified duration: 6.79 yrs (upper mid).

ICICI Prudential Gilt Fund

  • Upper mid AUM (₹7,330 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.84% (upper mid).
  • 1M return: -1.31% (upper mid).
  • Sharpe: 1.16 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.63% (bottom quartile).
  • Modified duration: 4.18 yrs (top quartile).

SBI Magnum Gilt Fund

  • Highest AUM (₹11,980 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.49% (lower mid).
  • 1M return: -1.65% (lower mid).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.73% (lower mid).
  • Modified duration: 8.41 yrs (lower mid).

UTI Gilt Fund

  • Bottom quartile AUM (₹615 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.41% (bottom quartile).
  • 1M return: -2.14% (bottom quartile).
  • Sharpe: 0.31 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.86% (upper mid).
  • Modified duration: 9.06 yrs (bottom quartile).

Nippon India Gilt Securities Fund

  • Lower mid AUM (₹2,057 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.55% (bottom quartile).
  • 1M return: -2.29% (bottom quartile).
  • Sharpe: 0.13 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.90% (top quartile).
  • Modified duration: 9.05 yrs (bottom quartile).

1. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Research Highlights for Axis Credit Risk Fund

  • Bottom quartile AUM (₹367 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.58% (top quartile).
  • 1M return: 0.44% (lower mid).
  • Sharpe: 2.44 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.81% (top quartile).
  • Modified duration: 1.99 yrs (bottom quartile).
  • Average maturity: 2.33 yrs (bottom quartile).
  • Exit load: 0-12 Months (1%),12 Months and above(NIL).
  • Top sector: Financial Services.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~89%).
  • Largest holding Kohima-Mariani Transmission Limited (~5.4%).

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund
Growth
Launch Date 15 Jul 14
NAV (29 Aug 25) ₹21.6718 ↓ -0.01   (-0.05 %)
Net Assets (Cr) ₹367 on 31 Jul 25
Category Debt - Credit Risk
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.57
Sharpe Ratio 2.44
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 7.81%
Effective Maturity 2 Years 3 Months 29 Days
Modified Duration 1 Year 11 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,788
31 Aug 22₹11,184
31 Aug 23₹11,912
31 Aug 24₹12,820
31 Aug 25₹13,918

Axis Credit Risk 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 Axis Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 4.8%
1 Year 8.6%
3 Year 7.6%
5 Year 6.9%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8%
2023 7%
2022 4%
2021 6%
2020 8.2%
2019 4.4%
2018 5.9%
2017 6.4%
2016 9.8%
2015 8.7%
Fund Manager information for Axis Credit Risk Fund
NameSinceTenure
Devang Shah15 Jul 1411.05 Yr.
Akhil Thakker9 Nov 213.73 Yr.

Data below for Axis Credit Risk Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash6.52%
Equity0.43%
Debt92.58%
Other0.48%
Debt Sector Allocation
SectorValue
Corporate84.2%
Government8.37%
Cash Equivalent6.52%
Credit Quality
RatingValue
A10.9%
AA64.72%
AAA24.37%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kohima-Mariani Transmission Limited
Debentures | -
5%₹20 Cr2,000
Birla Corporation Limited
Debentures | -
4%₹16 Cr230
Jubilant Bevco Limited
Debentures | -
4%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
4%₹15 Cr1,500
Narayana Hrudayalaya Limited
Debentures | -
4%₹15 Cr1,500
Nirma Limited
Debentures | -
4%₹15 Cr1,500
Infopark Properties Limited
Debentures | -
4%₹15 Cr1,500
Altius Telecom Infrastructure Trust
Debentures | -
4%₹15 Cr1,500
Aditya Birla Real Estate Limited
Debentures | -
4%₹15 Cr1,500
Aditya Birla Digital Fashion Ventures Limited
Debentures | -
4%₹15 Cr1,500

2. PGIM India Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for PGIM India Credit Risk Fund

  • Bottom quartile AUM (₹39 Cr).
  • Established history (10+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.43% (upper mid).
  • 1M return: 0.27% (bottom quartile).
  • Sharpe: 1.73 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.01% (bottom quartile).
  • Modified duration: 0.54 yrs (lower mid).
  • Average maturity: 0.59 yrs (upper mid).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for PGIM India Credit Risk Fund

PGIM India Credit Risk Fund
Growth
Launch Date 29 Sep 14
NAV (21 Jan 22) ₹15.5876 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹39 on 31 Dec 21
Category Debt - Credit Risk
AMC Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.85
Sharpe Ratio 1.73
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 5.01%
Effective Maturity 7 Months 2 Days
Modified Duration 6 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,910

PGIM India Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for PGIM India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25

DurationReturns
1 Month 0.3%
3 Month 0.6%
6 Month 4.4%
1 Year 8.4%
3 Year 3%
5 Year 4.2%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for PGIM India Credit Risk Fund
NameSinceTenure

Data below for PGIM India Credit Risk Fund as on 31 Dec 21

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

Research Highlights for UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹810 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.17% (lower mid).
  • 1M return: 0.22% (bottom quartile).
  • Sharpe: 1.86 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.47% (lower mid).
  • Modified duration: 1.78 yrs (bottom quartile).
  • Average maturity: 2.03 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.38% Govt Stock 2027 (~11.4%).

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (29 Aug 25) ₹22.1725 ↓ -0.01   (-0.04 %)
Net Assets (Cr) ₹810 on 31 Jul 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.86
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.47%
Effective Maturity 2 Years 11 Days
Modified Duration 1 Year 9 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,410
31 Aug 22₹11,443
31 Aug 23₹12,099
31 Aug 24₹12,985
31 Aug 25₹14,048

UTI Banking & PSU 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 ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Banking & PSU 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 29 Aug 25

DurationReturns
1 Month 0.2%
3 Month 1.1%
6 Month 4.6%
1 Year 8.2%
3 Year 7.1%
5 Year 7.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.6%
2023 6.7%
2022 10.3%
2021 2.8%
2020 8.9%
2019 -1%
2018 6.8%
2017 6.4%
2016 11.7%
2015 8.6%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 213.67 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash4.47%
Debt95.2%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate55.2%
Government40.01%
Cash Equivalent4.47%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -
11%₹93 Cr900,000,000
Axis Bank Limited
Debentures | -
7%₹56 Cr550
Export Import Bank Of India
Debentures | -
6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -
6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -
5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -
4%₹36 Cr3,500
National Housing Bank
Debentures | -
4%₹36 Cr3,500
HDFC Bank Limited
Debentures | -
4%₹36 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
4%₹31 Cr3,000

4. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

  • Upper mid AUM (₹20,795 Cr).
  • Oldest track record among peers (22 yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.94% (bottom quartile).
  • 1M return: 0.45% (upper mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.60% (upper mid).
  • Modified duration: 0.49 yrs (upper mid).
  • Average maturity: 0.59 yrs (lower mid).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~36%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~3.0%).

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

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (29 Aug 25) ₹554.641 ↑ 0.03   (0.00 %)
Net Assets (Cr) ₹20,795 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.76
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.6%
Effective Maturity 7 Months 2 Days
Modified Duration 5 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,454
31 Aug 22₹10,863
31 Aug 23₹11,610
31 Aug 24₹12,473
31 Aug 25₹13,462

Aditya Birla Sun Life Savings 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 Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4%
1 Year 7.9%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1411.12 Yr.
Kaustubh Gupta15 Jul 1114.06 Yr.
Monika Gandhi22 Mar 214.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash36.33%
Debt63.4%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate64.44%
Cash Equivalent20.11%
Government15.18%
Credit Quality
RatingValue
AA36.06%
AAA64.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹489 Cr48,500
Gujarat (Government of)
- | -
2%₹378 Cr37,500,000
Axis Bank Ltd.
Debentures | -
2%₹366 Cr7,500
↑ 500
Bharti Telecom Limited
Debentures | -
2%₹362 Cr3,600
Mankind Pharma Limited
Debentures | -
2%₹349 Cr34,500
Bharti Telecom Limited
Debentures | -
2%₹322 Cr3,200
↑ 500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹317 Cr3,150
Avanse Financial Services Limited
Debentures | -
1%₹302 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
1%₹270 Cr27,000

5. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

  • Highest AUM (₹29,515 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.89% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.35 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.17% (bottom quartile).
  • Modified duration: 0.47 yrs (top quartile).
  • Average maturity: 0.47 yrs (top quartile).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~86%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 5.15% Govt Stock 2025 (~2.5%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund
Growth
Launch Date 13 Oct 05
NAV (29 Aug 25) ₹374.625 ↑ 0.04   (0.01 %)
Net Assets (Cr) ₹29,515 on 31 Jul 25
Category Debt - Money Market
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.35
Sharpe Ratio 3.35
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.17%
Effective Maturity 5 Months 19 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,410
31 Aug 22₹10,822
31 Aug 23₹11,594
31 Aug 24₹12,475
31 Aug 25₹13,457

Aditya Birla Sun Life Money Manager 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 Aditya Birla Sun Life Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.1%
1 Year 7.9%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 7.4%
2022 4.8%
2021 3.8%
2020 6.6%
2019 8%
2018 7.9%
2017 6.8%
2016 7.7%
2015 8.4%
Fund Manager information for Aditya Birla Sun Life Money Manager Fund
NameSinceTenure
Kaustubh Gupta15 Jul 1114.06 Yr.
Anuj Jain22 Mar 214.36 Yr.
Mohit Sharma1 Apr 178.34 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash85.67%
Debt14.09%
Other0.24%
Debt Sector Allocation
SectorValue
Cash Equivalent43.61%
Corporate39.43%
Government16.72%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.15% Govt Stock 2025
Sovereign Bonds | -
3%₹749 Cr75,000,000
↑ 75,000,000
182 DTB 29082025
Sovereign Bonds | -
2%₹502 Cr50,500,000
↓ -64,500,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
1%₹336 Cr7,000
↑ 7,000
182 Days Tbill
Sovereign Bonds | -
1%₹298 Cr30,000,000
India (Republic of)
- | -
1%₹244 Cr25,000,000
↑ 25,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -
1%₹242 Cr24,000,000
↑ 1,000,000
5.63% Govt Stock 2026
Sovereign Bonds | -
1%₹240 Cr24,000,000
↑ 24,000,000
Axis Bank Ltd.
Debentures | -
1%₹237 Cr5,000
↑ 5,000
REC Ltd.
Debentures | -
1%₹189 Cr4,000
↑ 4,000
Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -
1%₹186 Cr19,009,500
↑ 19,009,500

सर्वश्रेष्ठ डेट म्यूचुअल फंड का मूल्यांकन कैसे करें

आप जिस सर्वश्रेष्ठ डेट फंड में निवेश करना चाहते हैं, उसका चयन करने के लिए, कुछ महत्वपूर्ण मापदंडों जैसे कि औसत परिपक्वता, क्रेडिट गुणवत्ता, एयूएम, व्यय अनुपात, कर निहितार्थ आदि पर विचार करना आवश्यक है। आइए गहराई से देखें। -

1. औसत परिपक्वता/अवधि

डेट फंड में औसत मैच्योरिटी एक आवश्यक पैरामीटर है जिसे कभी-कभी निवेशकों द्वारा अनदेखा कर दिया जाता है, जो इसमें शामिल जोखिमों पर विचार किए बिना लंबी अवधि के लिए निवेश करते हैं। निवेशकों को अपने डेट फंड निवेश को उसकी परिपक्वता अवधि के आधार पर तय करने की जरूरत है, डेट फंड की परिपक्वता अवधि के साथ निवेश की समय अवधि का मिलान करना यह सुनिश्चित करने का एक अच्छा तरीका है कि आप अनावश्यक जोखिम नहीं उठाते हैं। इस प्रकार, डेट फंड में इष्टतम जोखिम रिटर्न का लक्ष्य रखने के लिए, निवेश करने से पहले, डेट फंड की औसत परिपक्वता जानने की सलाह दी जाती है। औसत परिपक्वता (अवधि एक समान कारक है) को देखना महत्वपूर्ण है, उदाहरण के लिए, एक लिक्विड फंड की औसत परिपक्वता कुछ दिनों से लेकर शायद एक महीने तक हो सकती है, इसका मतलब यह होगा कि यह एक निवेशक के लिए एक बढ़िया विकल्प है जो देख रहा है कुछ दिनों के लिए पैसा निवेश करने के लिए। इसी तरह, यदि आप एक वर्ष की समय सीमा को देख रहे हैंनिवेश योजना ऐसे में शॉर्ट टर्म डेट फंड आदर्श हो सकता है।

2. ब्याज दर परिदृश्य

ब्याज दरों और उसके उतार-चढ़ाव से प्रभावित डेट फंडों में बाजार के माहौल को समझना बहुत जरूरी है। जब अर्थव्यवस्था में ब्याज दर बढ़ती है, तो बांड की कीमत गिरती है और इसके विपरीत। साथ ही, उस समय के दौरान जब ब्याज दरें बढ़ती हैं, बाजार में पुराने बांडों की तुलना में अधिक प्रतिफल के साथ नए बांड जारी किए जाते हैं, जिससे वे पुराने बांड कम मूल्य के बन जाते हैं। इसलिए, निवेशक बाजार में नए बॉन्ड की ओर अधिक आकर्षित होते हैं और पुराने बॉन्ड का पुन: मूल्य निर्धारण भी होता है। यदि किसी डेट फंड का ऐसे "पुराने बॉन्ड" में एक्सपोजर है, तो जब ब्याज दरें बढ़ती हैं, तोनहीं हैं डेट फंड पर बुरा असर पड़ेगा। इसके अलावा, चूंकि डेट फंड ब्याज दर में उतार-चढ़ाव के संपर्क में हैं, यह फंड पोर्टफोलियो में अंतर्निहित बॉन्ड की कीमतों को परेशान करता है। उदाहरण के लिए, बढ़ती ब्याज दरों के समय लंबी अवधि के डेट फंड अधिक जोखिम में होते हैं। इस दौरान शॉर्ट टर्म इन्वेस्टमेंट प्लान बनाने से आपकी ब्याज दर का जोखिम कम होगा।

यदि किसी को ब्याज दरों की अच्छी जानकारी है और वह उसकी निगरानी कर सकता है, तो वह इसका लाभ भी उठा सकता है। गिरते ब्याज दर वाले बाजार में लॉन्ग टर्म डेट फंड एक अच्छा विकल्प होगा। हालांकि, बढ़ती ब्याज दरों के समय में शॉर्ट टर्म फंड जैसे कम औसत परिपक्वता वाले फंड में होना बुद्धिमानी होगी।अल्ट्रा शॉर्ट टर्म फंड या लिक्विड फंड भी।

3. वर्तमान यील्ड या पोर्टफोलियो यील्ड

प्रतिफल पोर्टफोलियो में बांडों द्वारा उत्पन्न ब्याज आय का एक उपाय है। ऐसे फंड जो डेट या बॉन्ड में निवेश करते हैं जिनका मूल्य अधिक हैकूपन दर (या यील्ड) की कुल पोर्टफोलियो यील्ड अधिक होगी। परिपक्वता के लिए उपज (ytm) डेट म्यूचुअल फंड का फंड की रनिंग यील्ड को दर्शाता है। YTM के आधार पर डेट फंडों की तुलना करते समय इस तथ्य पर भी ध्यान देना चाहिए कि अतिरिक्त यील्ड कैसे उत्पन्न हो रही है। क्या यह कम पोर्टफोलियो गुणवत्ता की कीमत पर है? इतनी अच्छी गुणवत्ता वाले उपकरणों में निवेश करने के अपने मुद्दे हैं। आप किसी ऐसे डेट फंड में निवेश नहीं करना चाहते जिसके पास ऐसे बांड या प्रतिभूतियां हों जोचूक बाद में। इसलिए, हमेशा पोर्टफोलियो यील्ड को देखें और इसे क्रेडिट क्वालिटी के साथ संतुलित करें।

How-to-select-best-debt-funds

4. पोर्टफोलियो की क्रेडिट गुणवत्ता

सर्वोत्तम डेट फंड में निवेश करने के लिए, बॉन्ड और डेट सिक्योरिटीज की क्रेडिट गुणवत्ता की जांच करना एक आवश्यक पैरामीटर है। बॉन्ड को विभिन्न एजेंसियों द्वारा पैसे वापस भुगतान करने की उनकी क्षमता के आधार पर क्रेडिट रेटिंग दी जाती है। एएए रेटिंग के साथ एक बांड को सर्वश्रेष्ठ क्रेडिट रेटिंग माना जाता है और इसका मतलब एक सुरक्षित और सुरक्षित निवेश भी है। अगर कोई वास्तव में सुरक्षा चाहता है और इसे सबसे अच्छा डेट फंड चुनने में सर्वोपरि पैरामीटर मानता है, तो बहुत उच्च गुणवत्ता वाले डेट इंस्ट्रूमेंट्स (एएए या एए+) वाले फंड में प्रवेश करना वांछित विकल्प हो सकता है।

5. प्रबंधन के तहत संपत्ति (एयूएम)

सबसे अच्छा डेट फंड चुनते समय विचार करने के लिए यह सबसे महत्वपूर्ण पैरामीटर है। एयूएम सभी निवेशकों द्वारा किसी विशेष योजना में निवेश की गई कुल राशि है। अधिकांश बादम्यूचुअल फंड्सकुल एयूएम को डेट फंडों में निवेश किया जाता है, निवेशकों को उन स्कीम एसेट्स का चयन करने की जरूरत होती है जिनमें काफी एयूएम हो। एक ऐसे फंड में होना जिसका कॉरपोरेट्स में बड़ा एक्सपोजर है, जोखिम भरा हो सकता है, क्योंकि उनकी निकासी बड़ी हो सकती है जो समग्र फंड प्रदर्शन को प्रभावित कर सकती है।

6. व्यय अनुपात

डेट फंडों में विचार किया जाने वाला एक महत्वपूर्ण कारक इसका व्यय अनुपात है। एक उच्च व्यय अनुपात फंड के प्रदर्शन पर बड़ा प्रभाव डालता है। उदाहरण के लिए, लिक्विड फंड में सबसे कम व्यय अनुपात होता है जो 50 बीपीएस तक होता है (बीपीएस ब्याज दरों को मापने के लिए एक इकाई है जिसमें एक बीपीएस 1% के 1/100 वें के बराबर है) जबकि, अन्य डेट फंड 150 बीपीएस तक चार्ज कर सकते हैं। इसलिए एक डेट म्यूचुअल फंड के बीच चयन करने के लिए, प्रबंधन शुल्क या फंड चलाने के खर्च पर विचार करना महत्वपूर्ण है।

7. कराधान प्रभाव

डेट फंड इंडेक्सेशन बेनिफिट्स के साथ लॉन्ग टर्म कैपिटल गेन (3 साल से ज्यादा) का फायदा देते हैं। और शॉर्ट टर्म कैपिटल गेन (3 साल से कम) पर 30% टैक्स लगता है।

एक निवेशक के रूप में विचार करने योग्य बातें

1. निधि उद्देश्य

डेट फंड का उद्देश्य विभिन्न प्रकार की प्रतिभूतियों के विविध पोर्टफोलियो को बनाए रखते हुए इष्टतम रिटर्न अर्जित करना है। आप उनसे उम्मीद के मुताबिक प्रदर्शन करने की उम्मीद कर सकते हैं। यही कारण है कि डेट फंड रूढ़िवादी निवेशकों के बीच लोकप्रिय हैं।

2. फंड के प्रकार

डेट फंड को आगे लिक्विड फंड जैसे विभिन्न श्रेणियों में विभाजित किया जाता है,मासिक आय योजना (एमआईपी), निश्चित परिपक्वता योजना (एफएमपी),डायनेमिक बॉन्ड फंड, आय फंड, क्रेडिट अवसर फंड, जीआईएलटी फंड, शॉर्ट टर्म फंड और अल्ट्रा शॉर्ट टर्म फंड।

3. जोखिम

डेट फंड मूल रूप से ब्याज दर जोखिम, क्रेडिट जोखिम, औरलिक्विडिटी जोखिम। समग्र ब्याज दर आंदोलनों के कारण फंड मूल्य में उतार-चढ़ाव हो सकता है। जारीकर्ता द्वारा ब्याज और मूलधन के भुगतान में चूक का जोखिम है। तरलता जोखिम तब होता है जब फंड मैनेजर मांग की कमी के कारण अंतर्निहित सुरक्षा को बेचने में असमर्थ होता है।

4. लागत

डेट फंड आपके पैसे को मैनेज करने के लिए एक्सपेंस रेशियो चार्ज करते हैं। अब तकसेबी व्यय अनुपात की ऊपरी सीमा 2.25% अनिवार्य थी (विनियमों के साथ समय-समय पर परिवर्तन हो सकता है।)

5. निवेश क्षितिज

लिक्विड फंड के लिए 3 महीने से 1 साल तक का निवेश आदर्श रहेगा। अगर आपके पास 2 से 3 साल का लंबा क्षितिज है, तो आप शॉर्ट टर्म बॉन्ड फंड के लिए जा सकते हैं।

6. वित्तीय लक्ष्य

डेट फंड का उपयोग विभिन्न प्रकार के लक्ष्यों को प्राप्त करने के लिए किया जा सकता है जैसे अतिरिक्त आय अर्जित करना या तरलता के उद्देश्य से।

सर्वश्रेष्ठ डेट फंड में ऑनलाइन निवेश कैसे करें?

  1. Fincash.com पर आजीवन मुफ्त निवेश खाता खोलें।

  2. अपना पंजीकरण और केवाईसी प्रक्रिया पूरी करें

  3. Upload Documents (PAN, Aadhaar, etc.). और, आप निवेश करने के लिए तैयार हैं!

    शुरू हो जाओ

निष्कर्ष

डेट फंड आपके पैसे का निवेश करने और अपने से मेल खाने वाले प्रासंगिक उत्पाद को चुनकर नियमित रूप से आय उत्पन्न करने के सर्वोत्तम तरीकों में से एक हैजोखिम प्रोफाइल. इसलिए, स्थिर आय उत्पन्न करने या ऋण बाजारों का लाभ लेने के इच्छुक निवेशक, 2022 - 2023 के लिए उपरोक्त सर्वोत्तम डेट फंडों पर विचार कर सकते हैं और निवेश शुरू कर सकते हैं!_

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
How helpful was this page ?
Rated 4.5, based on 164 reviews.
POST A COMMENT

Amol Vyas, posted on 14 Jan 19 5:50 PM

The article is nice and informative but it could be in more simple words because lot of people have much less knowledge in such sector

1 - 1 of 1