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Top 6 Funds
भारत में डेट म्यूचुअल फंड योजनाएं पिछले कुछ वर्षों में बढ़ी हैं। नतीजतन, में सबसे अच्छा प्रदर्शन करने वाले म्यूचुअल डेट फंडमंडी बदलते रहो। म्युचुअल फंड योजना, जैसे क्रिसिल, मॉर्निंग स्टार, आईसीआरए का न्याय करने के लिए विभिन्न रेटिंग सिस्टम मौजूद हैं। ये सिस्टम रिटर्न के संदर्भ में म्यूचुअल फंड का मूल्यांकन करते हैं,मानक विचलन, प्रतिभूतियों की क्रेडिट गुणवत्ता, आरबीआई द्वारा दर आंदोलन मार्गदर्शन, आदि।
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नीचे से शीर्ष रैंक वाले फंड हैंकर्ज़
श्रेणियाँ मुख्य रूप से एयूएम> 500 करोड़ वाले फंड और अल्ट्रा-शॉर्ट, कॉरपोरेट बॉन्ड, क्रेडिट रिस्क, लो ड्यूरेशन सब कैटेगरी और 3 साल से कम की मैच्योरिटी वाले और उच्चतम यील्ड प्रदान करने वाले फंड हैं।
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Nippon India Credit Risk Fund Growth ₹35.0418
↑ 0.03 ₹1,017 500 2.7 5.1 9.5 8.2 8.3 8.17% 1Y 10M 28D 2Y 3M 25D Kotak Credit Risk Fund Growth ₹29.4875
↑ 0.01 ₹704 5,000 2.9 5.1 7.9 7.1 7.1 8% 2Y 2M 12D 2Y 9M 11D SBI Credit Risk Fund Growth ₹45.6978
↑ 0.03 ₹2,245 5,000 2.4 4.7 8.7 8.1 8.1 7.85% 2Y 1M 28D 2Y 11M 12D L&T Credit Risk Fund Growth ₹32.3359
↑ 0.02 ₹657 10,000 13.5 17.2 21.4 11.2 7.2 7.19% 2Y 1M 17D 2Y 10M 6D Nippon India Low Duration Fund Growth ₹3,750.82
↑ 2.16 ₹7,663 500 2.2 4.2 8 7 7.4 7% 11M 10D 1Y 2M 20D HDFC Low Duration Fund Growth ₹57.8676
↑ 0.04 ₹22,354 5,000 2.3 4.2 8 7.3 7.4 6.98% 10M 28D 1Y 10M 20D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 25
(Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Nippon India Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Jun 05. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on (Erstwhile Kotak Income Opportunities Fund) The investment objective of the scheme is to generate income by investing in debt/ and money market securities across the yield curve and credit spectrum. The scheme will also seek to maintain reasonable liquidity within the fund. Kotak Credit Risk Fund is a Debt - Credit Risk fund was launched on 11 May 10. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Credit Risk Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile L&T Income Opportunities Fund) The Scheme seeks to generate regular returns and capital appreciation by investing in debt (including securitised debt), government and money market securities. L&T Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Oct 09. It is a fund with Moderate risk and has given a Below is the key information for L&T Credit Risk Fund Returns up to 1 year are on (Erstwhile Reliance Money Manager Fund) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. Nippon India Low Duration Fund is a Debt - Low Duration fund was launched on 20 Mar 07. It is a fund with Moderately Low risk and has given a Below is the key information for Nippon India Low Duration Fund Returns up to 1 year are on (Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan) To generate regular income through investment in debt securities and money market instruments. HDFC Low Duration Fund is a Debt - Low Duration fund was launched on 18 Nov 99. It is a fund with Moderately Low risk and has given a Below is the key information for HDFC Low Duration Fund Returns up to 1 year are on 1. Nippon India Credit Risk Fund
CAGR/Annualized
return of 6.5% since its launch. Ranked 21 in Credit Risk
category. Return for 2024 was 8.3% , 2023 was 7.9% and 2022 was 3.9% . Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (30 Jun 25) ₹35.0418 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹1,017 on 31 May 25 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 3.34 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 8.17% Effective Maturity 2 Years 3 Months 25 Days Modified Duration 1 Year 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,899 30 Jun 22 ₹12,030 30 Jun 23 ₹12,938 30 Jun 24 ₹13,920 Returns for Nippon India Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Jun 25 Duration Returns 1 Month 0.5% 3 Month 2.7% 6 Month 5.1% 1 Year 9.5% 3 Year 8.2% 5 Year 8.8% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 7.9% 2022 3.9% 2021 13.5% 2020 -5.9% 2019 1.9% 2018 6.1% 2017 7% 2016 10% 2015 8.8% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 7.02 Yr. Sushil Budhia 1 Feb 20 5.33 Yr. Data below for Nippon India Credit Risk Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 5.92% Debt 93.8% Other 0.28% Debt Sector Allocation
Sector Value Corporate 78.94% Government 14.86% Cash Equivalent 5.92% Credit Quality
Rating Value A 25.19% AA 44.71% AAA 30.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -8% ₹78 Cr 7,500,000 Summit Digitel Infrastructure Limited
Debentures | -6% ₹60 Cr 600 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹49 Cr 5,000 TRuhome Finance Limited
Debentures | -4% ₹41 Cr 4,000 Jubilant Bevco Limited
Debentures | -4% ₹40 Cr 4,000
↑ 4,000 Mancherial Repallewada Road Private Limited
Debentures | -4% ₹40 Cr 4,500
↑ 4,500 Prestige Projects Private Limited
Debentures | -4% ₹40 Cr 4,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹39 Cr 4,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -4% ₹38 Cr 3,800 Delhi International Airport Limited
Debentures | -4% ₹36 Cr 3,500 2. Kotak Credit Risk Fund
CAGR/Annualized
return of 7.4% since its launch. Ranked 18 in Credit Risk
category. Return for 2024 was 7.1% , 2023 was 6.4% and 2022 was 0.9% . Kotak Credit Risk Fund
Growth Launch Date 11 May 10 NAV (30 Jun 25) ₹29.4875 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹704 on 31 May 25 Category Debt - Credit Risk AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.7 Sharpe Ratio 0.76 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 8% Effective Maturity 2 Years 9 Months 11 Days Modified Duration 2 Years 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,744 30 Jun 22 ₹10,837 30 Jun 23 ₹11,421 30 Jun 24 ₹12,349 Returns for Kotak Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Jun 25 Duration Returns 1 Month 0.3% 3 Month 2.9% 6 Month 5.1% 1 Year 7.9% 3 Year 7.1% 5 Year 5.9% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 6.4% 2022 0.9% 2021 5.3% 2020 6.6% 2019 9% 2018 6.2% 2017 6.6% 2016 10.4% 2015 9.1% Fund Manager information for Kotak Credit Risk Fund
Name Since Tenure Deepak Agrawal 11 May 10 15.07 Yr. Sunit garg 1 Nov 22 2.58 Yr. Data below for Kotak Credit Risk Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 8.81% Equity 6% Debt 81.32% Other 3.87% Debt Sector Allocation
Sector Value Corporate 67.69% Government 13.63% Cash Equivalent 8.81% Credit Quality
Rating Value A 15.52% AA 62.41% AAA 22.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹63 Cr 5,965,000 TATA Projects Limited
Debentures | -7% ₹51 Cr 5,000 Jubilant Bevco Limited
Debentures | -7% ₹51 Cr 500
↑ 500 Vedanta Limited
Debentures | -7% ₹50 Cr 5,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -7% ₹50 Cr 5,000 Aditya Birla Real Estate Limited
Debentures | -7% ₹46 Cr 4,500 Aditya Birla Renewables Limited
Debentures | -6% ₹41 Cr 4,000 Indostar Capital Finance Limited
Debentures | -6% ₹40 Cr 4,000 Au Small Finance Bank Limited
Debentures | -4% ₹30 Cr 30 National Bank For Agriculture And Rural Development
Debentures | -4% ₹25 Cr 2,500 3. SBI Credit Risk Fund
CAGR/Annualized
return of 7.5% since its launch. Ranked 3 in Credit Risk
category. Return for 2024 was 8.1% , 2023 was 8.3% and 2022 was 4.2% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (30 Jun 25) ₹45.6978 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹2,245 on 31 May 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 2.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 7.85% Effective Maturity 2 Years 11 Months 12 Days Modified Duration 2 Years 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,754 30 Jun 22 ₹11,156 30 Jun 23 ₹12,075 30 Jun 24 ₹12,973 Returns for SBI Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Jun 25 Duration Returns 1 Month 0.5% 3 Month 2.4% 6 Month 4.7% 1 Year 8.7% 3 Year 8.1% 5 Year 7.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% 2015 9.7% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 8.33 Yr. Data below for SBI Credit Risk Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 10.55% Equity 2.82% Debt 86.27% Other 0.35% Debt Sector Allocation
Sector Value Corporate 71.14% Government 15.13% Cash Equivalent 10.55% Credit Quality
Rating Value A 18.54% AA 64.34% AAA 17.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹199 Cr 19,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹113 Cr 11,200 Nirma Limited
Debentures | -5% ₹112 Cr 11,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹107 Cr 11,000 Infopark Properties Limited
Debentures | -5% ₹106 Cr 10,500 Aditya Birla Real Estate Limited
Debentures | -4% ₹87 Cr 8,500 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹84 Cr 8,500 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹82 Cr 8,000,000 Avanse Financial Services Limited
Debentures | -4% ₹81 Cr 8,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 4. L&T Credit Risk Fund
CAGR/Annualized
return of 7.7% since its launch. Ranked 12 in Credit Risk
category. Return for 2024 was 7.2% , 2023 was 6.5% and 2022 was 3.2% . L&T Credit Risk Fund
Growth Launch Date 8 Oct 09 NAV (30 Jun 25) ₹32.3359 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹657 on 31 May 25 Category Debt - Credit Risk AMC L&T Investment Management Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.65 Sharpe Ratio 1.18 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.19% Effective Maturity 2 Years 10 Months 6 Days Modified Duration 2 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,911 30 Jun 22 ₹11,362 30 Jun 23 ₹12,075 30 Jun 24 ₹12,879 Returns for L&T Credit Risk Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Jun 25 Duration Returns 1 Month 0.2% 3 Month 13.5% 6 Month 17.2% 1 Year 21.4% 3 Year 11.2% 5 Year 9.4% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.5% 2022 3.2% 2021 5.7% 2020 5% 2019 2.3% 2018 5.6% 2017 7.2% 2016 10.1% 2015 9.4% Fund Manager information for L&T Credit Risk Fund
Name Since Tenure Shriram Ramanathan 24 Nov 12 12.61 Yr. Data below for L&T Credit Risk Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 16.62% Debt 83.13% Other 0.25% Debt Sector Allocation
Sector Value Corporate 65.72% Cash Equivalent 18.94% Government 15.1% Credit Quality
Rating Value AA 65.36% AAA 34.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity Nuvoco Vistas Corporation Limited
Debentures | -8% ₹53 Cr 500 Tata Housing Development Company Limited
Debentures | -6% ₹36 Cr 3,500 7.32% Govt Stock 2030
Sovereign Bonds | -5% ₹32 Cr 3,000,000 Ongc Petro Additions Limited
Debentures | -4% ₹27 Cr 2,500 Aditya Birla Renewables Limited
Debentures | -4% ₹27 Cr 2,500 Nirma Limited
Debentures | -4% ₹26 Cr 2,500 Rec Limited
Debentures | -4% ₹26 Cr 2,500
↑ 2,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹26 Cr 2,500 Small Industries Development Bank Of India
Debentures | -4% ₹26 Cr 2,500 JSW Steel Limited
Debentures | -4% ₹25 Cr 250 5. Nippon India Low Duration Fund
CAGR/Annualized
return of 7.5% since its launch. Ranked 31 in Low Duration
category. Return for 2024 was 7.4% , 2023 was 6.7% and 2022 was 4.2% . Nippon India Low Duration Fund
Growth Launch Date 20 Mar 07 NAV (30 Jun 25) ₹3,750.82 ↑ 2.16 (0.06 %) Net Assets (Cr) ₹7,663 on 31 May 25 Category Debt - Low Duration AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.94 Sharpe Ratio 2.32 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7% Effective Maturity 1 Year 2 Months 20 Days Modified Duration 11 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,530 30 Jun 22 ₹10,887 30 Jun 23 ₹11,566 30 Jun 24 ₹12,359 Returns for Nippon India Low Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Jun 25 Duration Returns 1 Month 0.6% 3 Month 2.2% 6 Month 4.2% 1 Year 8% 3 Year 7% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 6.7% 2022 4.2% 2021 4.1% 2020 7.3% 2019 7% 2018 7.4% 2017 6.6% 2016 8.5% 2015 8.4% Fund Manager information for Nippon India Low Duration Fund
Name Since Tenure Vivek Sharma 1 Feb 20 5.33 Yr. Kinjal Desai 25 May 18 7.02 Yr. Data below for Nippon India Low Duration Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 30.55% Debt 69.14% Other 0.3% Debt Sector Allocation
Sector Value Corporate 69.04% Government 22.4% Cash Equivalent 8.26% Credit Quality
Rating Value AA 14.29% AAA 85.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹395 Cr 40,000,000
↑ 40,000,000 Telangana State Industrial Infrastructure Corporation Limited
Debentures | -3% ₹202 Cr 20,000 Interise TRust
Debentures | -2% ₹173 Cr 18,000 Highways Infrastructure Trust
Debentures | -2% ₹172 Cr 1,750 Small Industries Development Bank Of India
Debentures | -2% ₹153 Cr 15,000 Rec Limited
Debentures | -2% ₹152 Cr 15,000 VAJRA 016 TRUST
Unlisted bonds | -2% ₹149 Cr 100 NAOMI 05 2024
Unlisted bonds | -2% ₹148 Cr 10,000 Hinduja Leyland Finance Limited
Debentures | -2% ₹143 Cr 14,000 Shriram Finance Limited
Debentures | -2% ₹137 Cr 13,500 6. HDFC Low Duration Fund
CAGR/Annualized
return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.1% . HDFC Low Duration Fund
Growth Launch Date 18 Nov 99 NAV (30 Jun 25) ₹57.8676 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹22,354 on 15 Jun 25 Category Debt - Low Duration AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.03 Sharpe Ratio 1.99 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.98% Effective Maturity 1 Year 10 Months 20 Days Modified Duration 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,566 30 Jun 22 ₹10,878 30 Jun 23 ₹11,605 30 Jun 24 ₹12,430 Returns for HDFC Low Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 30 Jun 25 Duration Returns 1 Month 0.6% 3 Month 2.3% 6 Month 4.2% 1 Year 8% 3 Year 7.3% 5 Year 6.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7% 2022 4.1% 2021 3.7% 2020 8.1% 2019 8% 2018 6.5% 2017 6.4% 2016 8.6% 2015 7.7% Fund Manager information for HDFC Low Duration Fund
Name Since Tenure Anupam Joshi 27 Oct 15 9.68 Yr. Praveen Jain 6 Oct 22 2.73 Yr. Dhruv Muchhal 22 Jun 23 2.02 Yr. Data below for HDFC Low Duration Fund as on 15 Jun 25
Asset Allocation
Asset Class Value Cash 10.58% Debt 89.18% Other 0.23% Debt Sector Allocation
Sector Value Corporate 68.47% Government 22.01% Cash Equivalent 9.29% Credit Quality
Rating Value AA 9.16% AAA 90.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.81% Govt Stock 2033
Sovereign Bonds | -5% ₹1,039 Cr 100,000,000 7.59% Govt Stock 2031
Sovereign Bonds | -4% ₹921 Cr 90,000,000 Sikka Ports & Terminals Limited
Debentures | -3% ₹695 Cr 6,950 Mangalore Refinery And Petrochemicals Limited
Debentures | -3% ₹644 Cr 6,450 Jubilant Beverages Limited
Debentures | -3% ₹604 Cr 59,740
↑ 59,740 Power Finance Corporation Limited
Debentures | -2% ₹453 Cr 45,000
↑ 10,000 Aditya Birla Renewables Limited
Debentures | -2% ₹409 Cr 40,000 Bajaj Housing Finance Limited
Debentures | -2% ₹408 Cr 40,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹377 Cr 3,750 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹374 Cr 3,750
उपज ब्याज का एक उपाय हैआय द्वारा उत्पन्नबांड पोर्टफोलियो में।
उदाहरण के लिए, मान लें कि एक बांड में a . हैअंकित मूल्य INR 100 का 8 प्रतिशत के साथकूपन दर. इसका मतलब है किइन्वेस्टर प्रत्येक बांड पर, जिसमें वह निवेश करता है, INR 8 प्रति वर्ष अर्जित करेगा। चूंकि बांडों का खुले बाजार में कारोबार होता है, प्रत्येक की कीमत में उतार-चढ़ाव होगादिन के कारोबार. ब्याज दरें बढ़ती और गिरती हैं और बांड की मांग ऊपर और नीचे जाती है। और यह बांड की कीमत को प्रभावित करता है। मान लीजिए कि ब्याज दरें बढ़कर 10 प्रतिशत हो जाती हैं। फिर भी निवेशक INR 8 अर्जित करना जारी रखेगा। इसलिए प्रतिफल को 10 प्रतिशत तक बढ़ाने के लिए, जो कि ब्याज की वर्तमान बाजार दर है, बांड की कीमत को कम करके INR 80 करना होगा।
एक अन्य उदाहरण में, मान लेते हैं कि ब्याज दरें 6 प्रतिशत तक गिर जाती हैं। फिर से, निवेशक INR 8 अर्जित करना जारी रखेगा। इस बार बांड की कीमत INR 133 तक बढ़नी होगी।
अगर हम इन धारणाओं को देखें, तो इसके दो पहलू हैं- एक यह कि प्रतिफल निश्चित नहीं होता है, बल्कि ब्याज दर में बदलाव के लिए उतार-चढ़ाव होता है। दूसरा एक है बांड की कीमत ब्याज दरों के विपरीत चलती है। यह एक स्तर बनाए रखने के लिए आगे बढ़ता है जहां यह खरीदारों को आकर्षित करेगा।
परिपक्वता के लिए उपज (ytm) डेट म्यूचुअल फंड का फंड की रनिंग यील्ड को दर्शाता है। डेट फंड की तुलना करते समयआधार YTM की, किसी को इस तथ्य पर भी ध्यान देना चाहिए कि अतिरिक्त उपज कैसे उत्पन्न हो रही है। क्या यह कम पोर्टफोलियो गुणवत्ता की कीमत पर है?निवेश इतनी अच्छी गुणवत्ता वाले उपकरणों के अपने मुद्दे नहीं हैं। आप a . में निवेश समाप्त नहीं करना चाहते हैंडेट फंड जिसके पास ऐसे बांड या प्रतिभूतियां हों जोचूक बाद में। इसलिए, हमेशा पोर्टफोलियो यील्ड को देखें और इसे क्रेडिट क्वालिटी के साथ संतुलित करें।
संशोधित अवधि ब्याज दरों में बदलाव के प्रति बांड की संवेदनशीलता का उचित संकेत देती है। अवधि जितनी अधिक होगी, बांड ब्याज दरों में बदलाव के साथ उतनी ही अधिक अस्थिरता प्रदर्शित करेगा
में निवेश करने के लिएसर्वश्रेष्ठ ऋण निधि, बांड और ऋण प्रतिभूतियों 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। के साथ एक बंधनएएए
रेटिंग को सर्वश्रेष्ठ क्रेडिट रेटिंग माना जाता है और इसका तात्पर्य एक सुरक्षित और सुरक्षित निवेश से है। अगर कोई वास्तव में सुरक्षा चाहता है और इसे सबसे अच्छा डेट फंड चुनने में सर्वोपरि पैरामीटर मानता है, तो बहुत ही उच्च गुणवत्ता वाले डेट इंस्ट्रूमेंट्स वाले फंड में प्रवेश करना(एएए या एए+)
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ए: डेट फंड मैनेजरों के पास प्रत्येक बॉन्ड का मूल्यांकन करने और बॉन्ड का भुगतान करने में देनदार की चूक की संभावनाओं का आकलन करने की अपनी तकनीक होती है। आमतौर पर, क्रेडिट रेटिंग जितनी अधिक होती है, लेनदार के चूकने की संभावना उतनी ही कम होती है।
ए: डेट म्यूचुअल फंड अन्य के साथ प्रतिभूतियों और बांडों के साथ सौदा करते हैंमुद्रा बाजार उपकरण। इन उपकरणों के विफल होने की संभावना आमतौर पर कम होती है, और इसलिए, आपका निवेश सुरक्षित रहेगा, जिससे डेट म्यूचुअल फंड कम जोखिम वाले निवेश बनेंगे।
ए: हां, कभी-कभी फंड मैनेजर कम-गुणवत्ता वाली प्रतिभूतियों में निवेश करते हैं यदि अच्छे आरओआई की संभावना मौजूद है। हालांकि, यह आपके फंड मैनेजर द्वारा लिया गया एक परिकलित जोखिम होगा और केवल तभी जब निवेश के पोर्टफोलियो में पहले से ही स्थिर, उच्च गुणवत्ता वाली प्रतिभूतियां हों।
ए: हाँ, यदि आप a . का विकल्प चुनते हैंलिक्विड फंड जिसमें 91 दिनों की मैच्योरिटी वाले मनी मार्केट इंस्ट्रूमेंट्स में निवेश किया जाता है, तो आप तीन महीने के मामले में अपने निवेश का एहसास कर सकते हैं। यह एक अल्पकालिक निवेश है जिसे आप डेट म्यूचुअल फंड की बेहतर समझ प्राप्त करने के लिए कर सकते हैं।
ए: हां, आप डेट म्यूचुअल फंड में लंबी अवधि के लिए निवेश कर सकते हैं। उदाहरण के लिए, मान लीजिए कि आप निप्पॉन इंडिया क्रेडिट रिस्क फंड या आईसीआईसीआई प्रूडेंशियल रेगुलर सेविंग्स फंड में निवेश करते हैं। उस स्थिति में, बेहतर होगा कि आप अपने निवेश को कम से कम एक वर्ष, 5 महीने, और 19 दिन और 2 वर्ष, एक महीने और 2 दिन के लिए रखें, ताकि अधिकतम ROI प्राप्त हो सके। लेकिन आप इससे आगे 3 साल तक निवेश करते रह सकते हैं।