Table of Contents
FD बनाम डेट म्यूचुअल फंड
एफडी बनामडेट फंड? विचारधाराकहां निवेश करें अच्छा रिटर्न अर्जित करने के लिए आपकी बचत। आम तौर पर लोग मानते हैंनिवेश सावधि जमा या एफडी में यह सबसे सुविधाजनक विकल्प है क्योंकि यह सुरक्षित है और निश्चित रिटर्न प्रदान करता है। लेकिन क्या यह सबसे अच्छा तरीका है? हालांकि सावधि जमा सभी के लिए एक आसान निवेश विकल्प है, हालांकि, सावधि जमा पर कर योग्य होने का रिटर्न डेट फंड की तुलना में बहुत कम है। इसके अलावा, जब लंबी अवधि के लिए धारण किया जाता है, तो ऋणम्यूचुअल फंड्स अच्छा रिटर्न देते हैं। डेट म्यूचुअल फंड या सावधि जमा में निवेश करने का अंतिम निर्णय लेने से पहले, इन निवेशों की विस्तृत तुलना को देखें।
सारांश:
डेट म्यूचुअल फंड (डेट फंड) बनाम फिक्स्ड डिपॉजिट (FD)
हमें इसे जोखिम लेने की क्षमता और की इच्छित होल्डिंग अवधि के आधार पर तोड़ना होगाइन्वेस्टर प्रश्न में।
शॉर्ट होल्डिंग अवधि (1 वर्ष या उससे कम)
यहां डेट फंड के विकल्प सीमित होंगेलिक्विड फंड, अति-शॉर्ट टर्म फंड्स और अल्पकालिकआय धन। जबकि रिटर्न या यील्ड आमतौर पर लिक्विड से अल्ट्रा-शॉर्ट से शॉर्ट टर्म फंड में जाता है, इन डेट फंड और फिक्स्ड डिपॉजिट के बीच यील्ड अंतर पिछले एक साल में उनके रिटर्न को देखते हुए निर्धारित किया जा सकता है।
डेट म्यूचुअल फंड (श्रेणी औसत रिटर्न)
| डेट म्यूचुअल फंड का प्रकार | पिछले 1 साल। वापसी (%) |
|---|---|
| लिक्विड फंड | 7.36 |
| अल्ट्रा शॉर्ट-टर्म डेट फंड | 9.18 |
| शॉर्ट टर्म डेट फंड | 9.78 |
| डायनेमिक डेट फंड | 13.89 |
| लंबी अवधि के ऋण कोष | 13.19 |
| गिल्ट शॉर्ट टर्म फंड | 11.76 |
| गिल्ट लॉन्ग टर्म फंड | 15.06 |
| 20 फरवरी 2017 तक के आंकड़े |
सावधि जमा या FD औसत वापसी दर
सावधि जमा की औसत वापसी दर 8-8.5% प्रति वर्ष के बीच थी। वर्ष 2016 में (इसलिए तालिका में उपरोक्त रिटर्न की तुलना की जा सकती है)। हालांकि, पिछले एक साल में रिटर्न रेट घटकर 6.6-7.5% प्रति वर्ष हो गया है।
उपरोक्त दृष्टांत से, यह स्पष्ट है कि डेट फंड की वापसी की औसत दर सावधि जमा की तुलना में बेहतर है।
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लंबी अवधि की होल्डिंग अवधि
लंबे समय तक होल्डिंग अवधि के साथ, डेट फंड FD से बेहतर साबित हो सकते हैं।
यहां निवेश करने के विकल्प होंगे:
- लॉन्ग टर्म इनकम फंड
- लंबे समय तक गिल्ट,
- निगमितगहरा संबंध फंड (हाई यील्ड फंड), लिक्विड के ऊपर बताए गए विकल्पों के अलावा, अल्ट्रा-शॉर्ट और शॉर्ट टर्म फंड का भी इस्तेमाल किया जा सकता है।
यह देखते हुए कि होल्डिंग अवधि 3 वर्ष या उससे अधिक हो सकती है, हम निम्नलिखित कह सकते हैं:
- साथराजधानी इंडेक्सेशन बेनिफिट्स के साथ 20% पर गेन टैक्स, शुद्ध कर की घटना न्यूनतम होगी (हालाँकि किसी को कर लगाने के वर्ष को देखते हुए कर की गणना करनी चाहिए)
- लॉन्ग टर्म इनकम फंड/गिल्ट फंड उच्च प्रतिफल के साथ और इसके अतिरिक्त, यदि ब्याज दरें नीचे जाती हैं तो बहुत अधिक प्रतिफल मिलेगा।
- इन डेट फंडों के साथ उच्च दोहरे अंकों का रिटर्न मिल सकता है।
लंबी अवधि की आय वाले फंड पर रिटर्न का उदाहरण नीचे लें, श्रेणी के लिए पिछले 1 साल का औसत रिटर्न 12.19% है और पिछले 3 वर्षों में 10.32% प्रति वर्ष है। इस अवधि में कोई भी FD इतना रिटर्न नहीं दे सकता था। गिल्ट फंड का रिटर्न और भी ज्यादा होता है। इसी अवधि में, पिछले साल अधिकांश बैंकों में FD दरें 8-8.5% प्रति वर्ष के करीब रही होंगी, (यद्यपि आज दरें और गिरकर 6.5 - 7.5%) हो गई हैं
इसलिए एक निवेशक के पास लंबे समय तक रखने की अवधि और ब्याज दरों में गिरावट के साथ, एक डेट फंड (दीर्घकालिक आय या गिल्ट) FD की तुलना में बहुत बेहतर रिटर्न देगा। ब्याज दरें न गिरने की स्थिति में भी, उच्च प्रतिफल वाले कॉरपोरेट बॉन्ड फंड उसी अवधि में FD को मात देंगे।
डेट म्युचुअल फंड और सावधि जमा पर कराधान
डेट फंड और सावधि जमा के रिटर्न को निर्धारित करने में कराधान भी महत्वपूर्ण भूमिका निभाता है। आमतौर पर, सावधि जमा पर कराधान 33% (कर की सीमांत दर) है, जबकि डेट फंड पर अगर कोई 3 साल से कम के साथ निवेश करता है तो लाभांश वितरण कर लगाना एक बेहतर विकल्प होगा, क्योंकि डीडीटी (लाभांश वितरण कर) काटा जाता है। लगभग 25% (+ अधिभार आदि) पर। इससे पता चलता है कि फिक्स्ड डिपॉजिट की तुलना में डेट म्यूचुअल फंड पर टैक्स अपेक्षाकृत कम है।
डेट फंड के साथ आने वाले अतिरिक्त लाभ हैं:
- लिक्विडिटी: से 1-2 दिनों के भीतर पैसा उपलब्ध हैमोचन
- व्यावसायिक प्रबंधन: रणनीति को गतिशील रूप से बदलने और बाजारों का लाभ उठाने की क्षमता
- कोई समयपूर्व निकासी दंड नहीं।
सारांश में:
| मापदंडों | म्यूचुअल फंड्स | सावधि जमा |
|---|---|---|
| रिटर्न की दर | कोई सुनिश्चित रिटर्न नहीं | निश्चित रिटर्न |
| मुद्रास्फीति समायोजित रिटर्न | उच्च मुद्रास्फीति समायोजित रिटर्न की संभावना | आम तौर पर कम मुद्रास्फीति समायोजित रिटर्न |
| जोखिम | कम से उच्च जोखिम (फंड पर निर्भर) | कम जोखिम |
| लिक्विडिटी | तरल | तरल |
| समयपूर्व निकासी | एक्जिट लोड/नो लोड के साथ अनुमत | दंड के साथ अनुमत |
| निवेश की लागत | प्रबंधन लागत/व्यय अनुपात | कोई लागत नहीं अाना |
शीर्ष 8 सर्वश्रेष्ठ प्रदर्शन करने वाले डेट फंड 2022
नीचे नेट एसेट/एयूएम वाले डेट फंडों की सूची ऊपर दी गई है1000 करोड़ और 3 साल के चक्रवृद्धि के आधार पर छाँटा गया (सीएजीआर) रिटर्न।
The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on (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 Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Aditya Birla Sun Life Credit Risk Fund is a Debt - Credit Risk fund was launched on 17 Apr 15. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on (Erstwhile HDFC Corporate Debt Opportunities Fund) To generate regular income and capital appreciation by investing predominantly in corporate debt. HDFC Credit Risk Debt Fund is a Debt - Credit Risk fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a Below is the key information for HDFC Credit Risk Debt Fund Returns up to 1 year are on The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations. UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Treasury Advantage Fund Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. ICICI Prudential Regular Savings Fund is a Debt - Credit Risk fund was launched on 3 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a Below is the key information for UTI Short Term Income 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 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.6% since its launch. Ranked 6 in Medium term Bond category. Return for 2022 was 24.8% , 2021 was 7.1% and 2020 was 8.1% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (22 Aug 23) ₹32.9241 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹1,891 on 31 Jul 23 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.52 Sharpe Ratio 0.66 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.95% Effective Maturity 4 Years 7 Months 28 Days Modified Duration 2 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,612 30 Sep 20 ₹10,367 30 Sep 21 ₹11,246 30 Sep 22 ₹13,887 30 Sep 23 ₹14,883 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.2% 3 Month 1.1% 6 Month 3.8% 1 Year 6.9% 3 Year 13.5% 5 Year 8% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% 2014 12% 2013 10.2% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 9 Yr. Mohit Sharma 6 Aug 20 3.07 Yr. Dhaval Joshi 21 Nov 22 0.78 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 3.42% Equity 2.15% Debt 94.43% Debt Sector Allocation
Sector Value Government 48.84% Corporate 45.6% Cash Equivalent 3.42% Credit Quality
Rating Value A 4.88% AA 33.64% AAA 61.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -22% ₹413 Cr 41,000,000
↓ -2,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -9% ₹177 Cr 17,600,000 07.18 Goi 2033
Sovereign Bonds | -9% ₹166 Cr 16,500,000
↑ 2,000,000 Shriram Finance Limited
Debentures | -3% ₹65 Cr 650 LIC Housing Finance Limited
Debentures | -3% ₹55 Cr 550 JSW Steel Limited
Debentures | -3% ₹50 Cr 500 JM Financial Credit Solutions Limited
Debentures | -2% ₹44 Cr 440 IRB InvIT Fund Units 2017-Series IV (Industrials)
Equity, Since 31 May 18 | IRBINVIT2% ₹41 Cr 5,820,000 Nexus Select Trust
Debentures | -2% ₹40 Cr 4,000 07.18 Goi 2037
Sovereign Bonds | -2% ₹40 Cr 4,000,000 2. Nippon India Credit Risk Fund
CAGR/Annualized return of 6.2% since its launch. Ranked 21 in Credit Risk category. Return for 2022 was 3.9% , 2021 was 13.5% and 2020 was -5.9% . Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (22 Aug 23) ₹30.0359 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,019 on 31 Jul 23 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.64 Sharpe Ratio 1.06 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 8.97% Effective Maturity 2 Years 2 Months 19 Days Modified Duration 1 Year 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,373 30 Sep 20 ₹9,530 30 Sep 21 ₹10,997 30 Sep 22 ₹11,388 30 Sep 23 ₹12,278 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 4.4% 1 Year 7.2% 3 Year 8.9% 5 Year 4% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.9% 2021 13.5% 2020 -5.9% 2019 1.9% 2018 6.1% 2017 7% 2016 10% 2015 8.8% 2014 11% 2013 8% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 5.27 Yr. Sushil Budhia 1 Feb 20 3.58 Yr. Akshay Sharma 1 Dec 22 0.75 Yr. Data below for Nippon India Credit Risk Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 11.29% Debt 88.71% Debt Sector Allocation
Sector Value Corporate 76.25% Government 12.46% Cash Equivalent 11.29% Credit Quality
Rating Value A 24.03% AA 37.62% AAA 38.34% Top Securities Holdings / Portfolio
Name Holding Value Quantity Summit Digitel Infrastructure Limited
Debentures | -6% ₹60 Cr 620 JSW Steel Limited
Debentures | -5% ₹55 Cr 550 7.06% Govt Stock 2028
Sovereign Bonds | -5% ₹50 Cr 5,000,000
↑ 5,000,000 Piramal Capital & Housing Finance Limited
Debentures | -5% ₹50 Cr 624,377 Greenlam Industries Limited
Debentures | -4% ₹44 Cr 450 Shriram Housing Finance Limited
Debentures | -4% ₹40 Cr 400 Lodha Developers Private Limited
Debentures | -4% ₹40 Cr 400 Grasim Industries Limited
Debentures | -3% ₹35 Cr 350 Renew Services Private Limited
Debentures | -3% ₹34 Cr 3,400 U.P. Power Corporation Limited
Debentures | -3% ₹30 Cr 300 3. Aditya Birla Sun Life Credit Risk Fund
CAGR/Annualized return of 7.2% since its launch. Return for 2022 was 7.1% , 2021 was 6.4% and 2020 was 9.4% . Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (22 Aug 23) ₹17.9365 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,017 on 31 Jul 23 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.69 Sharpe Ratio 0.38 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.15% Effective Maturity 1 Year 11 Months 8 Days Modified Duration 1 Year 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,775 30 Sep 20 ₹11,117 30 Sep 21 ₹12,054 30 Sep 22 ₹12,821 30 Sep 23 ₹13,720 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 3.6% 1 Year 6.6% 3 Year 7.5% 5 Year 6.3% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 7.1% 2021 6.4% 2020 9.4% 2019 2.1% 2018 6.6% 2017 8.1% 2016 10.3% 2015 2014 2013 Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 8.38 Yr. Mohit Sharma 6 Aug 20 3.07 Yr. Dhaval Joshi 21 Nov 22 0.78 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 8.47% Equity 0.65% Debt 90.88% Debt Sector Allocation
Sector Value Corporate 67.94% Government 22.94% Cash Equivalent 8.47% Credit Quality
Rating Value A 6.87% AA 61.08% AAA 32.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -9% ₹96 Cr 9,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -5% ₹55 Cr 5,500,000 Century Textiles And Industried Limited
Debentures | -5% ₹50 Cr 5,000 TATA Projects Limited
Debentures | -5% ₹49 Cr 500 JM Financial Credit Solutions Limited
Debentures | -4% ₹37 Cr 370 Tata Realty And Infrastructure Limited
Debentures | -4% ₹36 Cr 360 Steel Authority Of India Limited
Debentures | -3% ₹30 Cr 300 Gic Housing Finance Limited
Debentures | -3% ₹30 Cr 3,000 The Tata Power Company Limited
Debentures | -3% ₹30 Cr 300 JSW Steel Limited
Debentures | -3% ₹30 Cr 300 4. HDFC Credit Risk Debt Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 9 in Credit Risk category. Return for 2022 was 3.7% , 2021 was 7% and 2020 was 10.9% . HDFC Credit Risk Debt Fund
Growth Launch Date 25 Mar 14 NAV (22 Aug 23) ₹20.8335 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹8,492 on 31 Jul 23 Category Debt - Credit Risk AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.53 Sharpe Ratio 0.14 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL) Yield to Maturity 8.47% Effective Maturity 2 Years 7 Months 18 Days Modified Duration 2 Years 7 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,890 30 Sep 20 ₹11,890 30 Sep 21 ₹13,092 30 Sep 22 ₹13,491 30 Sep 23 ₹14,390 Returns for HDFC Credit Risk Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.2% 6 Month 3.6% 1 Year 6.2% 3 Year 6.7% 5 Year 7.4% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.7% 2021 7% 2020 10.9% 2019 8.6% 2018 5.4% 2017 6.6% 2016 11% 2015 9% 2014 2013 Fund Manager information for HDFC Credit Risk Debt Fund
Name Since Tenure Shobhit Mehrotra 25 Mar 14 9.44 Yr. Dhruv Muchhal 22 Jun 23 0.19 Yr. Data below for HDFC Credit Risk Debt Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 12.09% Equity 1.39% Debt 86.52% Debt Sector Allocation
Sector Value Corporate 74.27% Government 12.25% Cash Equivalent 12.09% Credit Quality
Rating Value A 4.31% AA 56.11% AAA 39.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2029
Sovereign Bonds | -4% ₹349 Cr 35,000,000 Power Finance Corporation Ltd.
Debentures | -4% ₹297 Cr 2,790 Dlf Cyber City Developers Ltd
Debentures | -3% ₹270 Cr 2,750 Pipeline Infrastructure Limited
Debentures | -3% ₹257 Cr 2,550 Ongc Petro Additions Limited
Debentures | -3% ₹256 Cr 25,500 The Tata Power Company Limited
Debentures | -3% ₹218 Cr 2,030 Resco Global Wind Services Private Limited
Debentures | -2% ₹201 Cr 20,000 TATA Motors Limited
Debentures | -2% ₹200 Cr 2,000 Ongc Petro Additions Limited
Debentures | -2% ₹200 Cr 20,000 TVS Credit Services Limited
Debentures | -2% ₹199 Cr 200 5. UTI Treasury Advantage Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2022 was 4.5% , 2021 was 9% and 2020 was 7.3% . UTI Treasury Advantage Fund
Growth Launch Date 23 Apr 07 NAV (22 Aug 23) ₹3,090.96 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹3,490 on 31 Jul 23 Category Debt - Low Duration AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.44 Sharpe Ratio 0.5 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.47% Effective Maturity 11 Months 26 Days Modified Duration 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹9,616 30 Sep 20 ₹10,372 30 Sep 21 ₹11,328 30 Sep 22 ₹11,778 30 Sep 23 ₹12,603 Returns for UTI Treasury Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.7% 1 Year 6.6% 3 Year 6.6% 5 Year 4.7% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.5% 2021 9% 2020 7.3% 2019 -4.2% 2018 7.3% 2017 7% 2016 8.9% 2015 8.8% 2014 9.3% 2013 9.6% Fund Manager information for UTI Treasury Advantage Fund
Name Since Tenure Anurag Mittal 1 Dec 21 1.75 Yr. Data below for UTI Treasury Advantage Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 53.64% Debt 46.36% Debt Sector Allocation
Sector Value Corporate 52.88% Cash Equivalent 24.65% Government 22.46% Credit Quality
Rating Value AA 11.78% AAA 88.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 21122023
Sovereign Bonds | -4% ₹147 Cr 1,500,000,000 182 DTB 18012024
Sovereign Bonds | -4% ₹146 Cr 1,500,000,000 Embassy Office Parks Reit
Debentures | -3% ₹100 Cr 1,000 Power Finance Corporation Ltd.
Debentures | -2% ₹84 Cr 850 Mahindra Rural Housing Finance Limited
Debentures | -2% ₹79 Cr 800 Tata Realty And Infrastructure Limited
Debentures | -2% ₹74 Cr 750 Axis Finance Limited
Debentures | -2% ₹65 Cr 650
↓ -500 Shriram Transport Finance Company Limited
Debentures | -1% ₹50 Cr 5,000 National Housing Bank
Debentures | -1% ₹50 Cr 5,000 Bharti Telecom Limited
Debentures | -1% ₹50 Cr 500 6. ICICI Prudential Regular Savings Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 26 in Credit Risk category. Return for 2022 was 5.1% , 2021 was 6.2% and 2020 was 9.8% . ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (22 Aug 23) ₹27.2348 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹7,654 on 31 Jul 23 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 0.25 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.49% Effective Maturity 3 Years Modified Duration 1 Year 3 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,903 30 Sep 20 ₹11,980 30 Sep 21 ₹12,920 30 Sep 22 ₹13,496 30 Sep 23 ₹14,432 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.9% 1 Year 6.5% 3 Year 6.5% 5 Year 7.5% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% 2015 9% 2014 11% 2013 7.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 6.82 Yr. Ritesh Lunawat 1 May 23 0.34 Yr. Sharmila D’mello 1 May 23 0.34 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 22.85% Equity 1.12% Debt 76.02% Debt Sector Allocation
Sector Value Corporate 57% Cash Equivalent 20.3% Government 17.64% Securitized 3.93% Credit Quality
Rating Value A 13.57% AA 50.46% AAA 35.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -5% ₹413 Cr 41,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -5% ₹385 Cr 38,250,000 Embassy Office Parks Reit
Unlisted bonds | -3% ₹251 Cr 8,209,102 07.18 Goi 2037
Sovereign Bonds | -3% ₹199 Cr 20,000,000 Ongc Petro Additions Limited
Debentures | -3% ₹197 Cr 2,000 Aadhar Housing Finance Ltd
Debentures | -2% ₹175 Cr 17,500
↑ 17,500 The Great Eastern Shipping Company Limited
Debentures | -2% ₹174 Cr 1,743 182 DTB 22092023
Sovereign Bonds | -2% ₹149 Cr 15,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -2% ₹149 Cr 15,000,000 Ess Kay Fincorp Limited
Debentures | -2% ₹126 Cr 1,250 7. UTI Short Term Income Fund
CAGR/Annualized return of 6.5% since its launch. Ranked 10 in Short term Bond category. Return for 2022 was 3.8% , 2021 was 8.4% and 2020 was 10.5% . UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (22 Aug 23) ₹27.4733 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,383 on 31 Jul 23 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.95 Sharpe Ratio 0.31 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.29% Effective Maturity 2 Years 6 Months 4 Days Modified Duration 2 Years 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹9,617 30 Sep 20 ₹10,618 30 Sep 21 ₹11,660 30 Sep 22 ₹12,019 30 Sep 23 ₹12,828 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.2% 3 Month 1.1% 6 Month 3.6% 1 Year 6.4% 3 Year 6.4% 5 Year 5% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.8% 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% 2014 10.9% 2013 9% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Sudhir Agarwal 25 Oct 12 10.86 Yr. Data below for UTI Short Term Income Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 38.56% Debt 61.44% Debt Sector Allocation
Sector Value Corporate 46.3% Cash Equivalent 30.44% Government 23.26% Credit Quality
Rating Value AA 16.01% AAA 83.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 29022024
Sovereign Bonds | -20% ₹483 Cr 5,000,000,000
↑ 5,000,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -17% ₹403 Cr 4,000,000,000
↓ -200,000,000 Power Finance Corporation Ltd.
Debentures | -8% ₹200 Cr 20,000 Axis Finance Limited
Debentures | -5% ₹111 Cr 1,100
↓ -500 India Grid TRust
Debentures | -3% ₹75 Cr 750 Mahindra Rural Housing Finance Limited
Debentures | -3% ₹69 Cr 700 Can Fin Homes Limited
Debentures | -3% ₹64 Cr 650 TATA Motors Finance Solutions Limited
Debentures | -2% ₹59 Cr 600 07.18 Goi 2033
Sovereign Bonds | -2% ₹50 Cr 500,000,000
↓ -250,000,000 HDFC Bank Limited
Debentures | -2% ₹50 Cr 5,000
↑ 5,000 8. SBI Credit Risk Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 3 in Credit Risk category. Return for 2022 was 4.2% , 2021 was 5% and 2020 was 9.8% . SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (22 Aug 23) ₹39.4495 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹2,761 on 31 Jul 23 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.95 Sharpe Ratio 0.86 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 8.1% Effective Maturity 4 Years 4 Months 20 Days Modified Duration 1 Year 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,731 30 Sep 20 ₹11,633 30 Sep 21 ₹12,472 30 Sep 22 ₹12,900 30 Sep 23 ₹13,966 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 5% 1 Year 7.8% 3 Year 6.4% 5 Year 6.8% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% 2015 9.7% 2014 10.6% 2013 10.1% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 6.58 Yr. Mohit Jain 30 Nov 17 5.75 Yr. Data below for SBI Credit Risk Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 25.24% Equity 1.83% Debt 72.93% Debt Sector Allocation
Sector Value Corporate 61.1% Cash Equivalent 19.78% Government 17.29% Credit Quality
Rating Value A 2.76% AA 52.79% AAA 44.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2032
Sovereign Bonds | -5% ₹126 Cr 12,500,000 Aadhar Housing Finance Limited
Debentures | -4% ₹122 Cr 12,200 Jindal Stainless Limited
Debentures | -3% ₹88 Cr 900 Avanse Financial Services Limited
Debentures | -3% ₹80 Cr 8,000 Patel Knr Heavy Infrastructures Private Limited
Debentures | -3% ₹79 Cr 7,860 Ongc Petro Additions Limited
Debentures | -3% ₹75 Cr 7,500 JSW Steel Limited
Debentures | -3% ₹75 Cr 750 Nuvoco Vistas Corporation Limited
Debentures | -3% ₹74 Cr 750 Godrej Industries Limited
Debentures | -3% ₹74 Cr 750 Yes Bank Limited
Debentures | -2% ₹61 Cr 650
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।
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