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 The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Constant Maturity Gilt Fund Returns up to 1 year are on An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing in high quality debt and money market instruments. Aditya Birla Sun Life Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 27 Sep 04. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Dynamic Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Gilt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund Short Term) To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt. SBI Magnum Constant Maturity Fund is a Debt - 10 Yr Govt Bond fund was launched on 30 Dec 00. It is a fund with Moderately Low risk and has given a Below is the key information for SBI Magnum Constant Maturity Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments. Nippon India Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 15 Nov 04. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Dynamic Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Income Plan) To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Long Term Bond Fund is a Debt - Longterm Bond fund was launched on 9 Jul 98. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Bond Fund Returns up to 1 year are on To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Long Term Plan is a Debt - Dynamic Bond fund was launched on 20 Jan 10. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Long Term Plan Returns up to 1 year are on 1. Aditya Birla Sun Life Medium Term Plan
CAGR/Annualized return of 8.9% since its launch. Ranked 6 in Medium term Bond category. Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% . Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (01 Jul 25) ₹40.0046 ↑ 0.05 (0.12 %) Net Assets (Cr) ₹2,504 on 31 May 25 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 3.49 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 7.43% Effective Maturity 4 Years 10 Months 20 Days Modified Duration 3 Years 7 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹11,450 30 Jun 22 ₹12,284 30 Jun 23 ₹15,252 30 Jun 24 ₹16,359 30 Jun 25 ₹18,635 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 1 Jul 25 Duration Returns 1 Month 0.3% 3 Month 2.9% 6 Month 7.5% 1 Year 13.9% 3 Year 14.9% 5 Year 13.3% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.5% 2023 6.9% 2022 24.8% 2021 7.1% 2020 8.1% 2019 -4.4% 2018 5.6% 2017 7% 2016 10.9% 2015 9.5% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 10.76 Yr. Mohit Sharma 6 Aug 20 4.82 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 May 25
Asset Allocation
Asset Class Value Cash 4.19% Equity 4.22% Debt 91.37% Other 0.22% Debt Sector Allocation
Sector Value Corporate 58.19% Government 33.18% Cash Equivalent 4.19% Credit Quality
Rating Value A 2.07% AA 40.72% AAA 54.93% BBB 2.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹216 Cr 21,000,000
↑ 3,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -8% ₹196 Cr 18,696,700
↑ 5,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹194 Cr 18,500,000 Nuvama Wealth Finance Limited
Debentures | -4% ₹96 Cr 9,500 Jubilant Bevco Limited
Debentures | -3% ₹75 Cr 7,400
↑ 7,400 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹72 Cr 7,000 Power Grid Corporation Of India Limited
Debentures | -3% ₹70 Cr 7,000 360 One Prime Limited
Debentures | -3% ₹65 Cr 6,500 SK Finance Limited
Debentures | -3% ₹65 Cr 6,500 Narayana Hrudayalaya Limited
Debentures | -2% ₹61 Cr 6,000 2. ICICI Prudential Constant Maturity Gilt Fund
CAGR/Annualized return of 8.8% since its launch. Ranked 6 in 10 Yr Govt Bond category. Return for 2024 was 9.3% , 2023 was 7.7% and 2022 was 1.2% . ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (01 Jul 25) ₹24.9103 ↑ 0.05 (0.20 %) Net Assets (Cr) ₹2,551 on 31 May 25 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.39 Sharpe Ratio 2.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 6.38% Effective Maturity 9 Years 6 Months 4 Days Modified Duration 6 Years 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,427 30 Jun 22 ₹10,385 30 Jun 23 ₹11,324 30 Jun 24 ₹12,130 30 Jun 25 ₹13,477 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month -0.4% 3 Month 2.9% 6 Month 6% 1 Year 11.1% 3 Year 9.1% 5 Year 6.2% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.3% 2023 7.7% 2022 1.2% 2021 2.8% 2020 13.6% 2019 12.8% 2018 9.7% 2017 2.4% 2016 16.2% 2015 6.9% Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.36 Yr. Raunak Surana 22 Jan 24 1.36 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 3.08% Debt 96.92% Debt Sector Allocation
Sector Value Government 96.92% Cash Equivalent 3.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -36% ₹930 Cr 89,822,250
↑ 7,099,500 6.64% Govt Stock 2035
Sovereign Bonds | -26% ₹652 Cr 63,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -25% ₹635 Cr 60,272,100
↓ -8,026,900 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹149 Cr 14,000,000 6.19% Govt Stock 2034
Sovereign Bonds | -2% ₹50 Cr 5,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -1% ₹26 Cr 2,500,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹26 Cr 2,500,000 6.33% Gsec Mat - 05/05/2035
Sovereign Bonds | -0% ₹4 Cr 413,500
↓ -27,950 Net Current Assets
Net Current Assets | -2% ₹41 Cr Treps
CBLO/Reverse Repo | -1% ₹38 Cr 3. Aditya Birla Sun Life Dynamic Bond Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 16 in Dynamic Bond category. Return for 2024 was 8.8% , 2023 was 6.9% and 2022 was 6% . Aditya Birla Sun Life Dynamic Bond Fund
Growth Launch Date 27 Sep 04 NAV (01 Jul 25) ₹46.4889 ↑ 0.03 (0.06 %) Net Assets (Cr) ₹1,950 on 31 May 25 Category Debt - Dynamic Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.67 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.05% Effective Maturity 11 Years 4 Months 13 Days Modified Duration 6 Years 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,759 30 Jun 22 ₹11,012 30 Jun 23 ₹12,133 30 Jun 24 ₹13,020 30 Jun 25 ₹14,261 Returns for Aditya Birla Sun Life Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month -0.7% 3 Month 2.1% 6 Month 5% 1 Year 9.5% 3 Year 9% 5 Year 7.4% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.8% 2023 6.9% 2022 6% 2021 4.9% 2020 9.7% 2019 -0.9% 2018 5.7% 2017 2.2% 2016 14% 2015 7.4% Fund Manager information for Aditya Birla Sun Life Dynamic Bond Fund
Name Since Tenure Mohit Sharma 22 Mar 21 4.2 Yr. Bhupesh Bameta 6 Aug 20 4.82 Yr. Data below for Aditya Birla Sun Life Dynamic Bond Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 3.03% Debt 96.72% Other 0.26% Debt Sector Allocation
Sector Value Government 53.4% Corporate 43.32% Cash Equivalent 3.03% Credit Quality
Rating Value A 2.12% AA 12.47% AAA 85.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -22% ₹417 Cr 40,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹170 Cr 16,500,100
↑ 8,500,000 Power Finance Corporation Limited
Debentures | -7% ₹128 Cr 12,500 Indian Railway Finance Corporation Limited
Debentures | -4% ₹82 Cr 8,000 Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹82 Cr 8,000 Bharti Telecom Limited
Debentures | -4% ₹78 Cr 7,500 Ntpc Limited
Debentures | -4% ₹77 Cr 7,500 State Bank Of India
Debentures | -4% ₹76 Cr 75 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹61 Cr 6,000 Jubilant Bevco Limited
Debentures | -3% ₹61 Cr 6,000
↑ 6,000 4. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.4% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (01 Jul 25) ₹103.325 ↑ 0.04 (0.04 %) Net Assets (Cr) ₹7,347 on 31 May 25 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 1.82 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.45% Effective Maturity 9 Years 4 Months 17 Days Modified Duration 3 Years 6 Months Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,413 30 Jun 22 ₹10,601 30 Jun 23 ₹11,581 30 Jun 24 ₹12,476 30 Jun 25 ₹13,676 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month -0.2% 3 Month 2.5% 6 Month 5.2% 1 Year 9.6% 3 Year 8.9% 5 Year 6.5% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 8.3% 2022 3.7% 2021 3.8% 2020 12.6% 2019 10.8% 2018 6.8% 2017 2.1% 2016 18.2% 2015 5.5% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.36 Yr. Raunak Surana 22 Jan 24 1.36 Yr. Data below for ICICI Prudential Gilt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 29.77% Debt 70.23% Debt Sector Allocation
Sector Value Government 70.23% Cash Equivalent 29.77% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -24% ₹1,795 Cr 170,285,400
↓ -59,887,100 7.81% Govt Stock 2033
Sovereign Bonds | -13% ₹977 Cr 94,096,700 7.34% Govt Stock 2064
Sovereign Bonds | -11% ₹841 Cr 79,038,200 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹668 Cr 64,485,590
↓ -33,517,710 182 DTB 10072025
Sovereign Bonds | -5% ₹398 Cr 40,000,000
↑ 40,000,000 7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -3% ₹222 Cr 21,496,400 182 DTB 24072025
Sovereign Bonds | -3% ₹198 Cr 20,000,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -3% ₹187 Cr 18,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹151 Cr 15,000,000 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000
↑ 10,000,000 5. SBI Magnum Constant Maturity Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 1 in 10 Yr Govt Bond category. Return for 2024 was 9.1% , 2023 was 7.5% and 2022 was 1.3% . SBI Magnum Constant Maturity Fund
Growth Launch Date 30 Dec 00 NAV (01 Jul 25) ₹64.1705 ↑ 0.13 (0.20 %) Net Assets (Cr) ₹1,944 on 31 May 25 Category Debt - 10 Yr Govt Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.64 Sharpe Ratio 1.93 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.09% Effective Maturity 9 Years 8 Months 8 Days Modified Duration 6 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,330 30 Jun 22 ₹10,304 30 Jun 23 ₹11,225 30 Jun 24 ₹12,032 30 Jun 25 ₹13,268 Returns for SBI Magnum Constant Maturity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month -0.6% 3 Month 2.5% 6 Month 5.4% 1 Year 10.3% 3 Year 8.8% 5 Year 5.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.1% 2023 7.5% 2022 1.3% 2021 2.4% 2020 11.6% 2019 11.9% 2018 9.9% 2017 6.2% 2016 12.8% 2015 9.1% Fund Manager information for SBI Magnum Constant Maturity Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.58 Yr. Tejas Soman 1 Dec 23 1.5 Yr. Data below for SBI Magnum Constant Maturity Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 2.29% Debt 97.71% Debt Sector Allocation
Sector Value Government 97.71% Cash Equivalent 2.29% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -71% ₹1,371 Cr 131,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -27% ₹511 Cr 49,000,000 Net Receivable / Payable
CBLO | -2% ₹31 Cr Treps
CBLO/Reverse Repo | -1% ₹13 Cr 6. Nippon India Dynamic Bond Fund
CAGR/Annualized return of 6.6% since its launch. Return for 2024 was 9% , 2023 was 6.7% and 2022 was 2.4% . Nippon India Dynamic Bond Fund
Growth Launch Date 15 Nov 04 NAV (01 Jul 25) ₹37.556 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹4,613 on 31 May 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating Risk Moderate Expense Ratio 0.71 Sharpe Ratio 2.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.33% Effective Maturity 5 Years 14 Days Modified Duration 4 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,389 30 Jun 22 ₹10,419 30 Jun 23 ₹11,331 30 Jun 24 ₹12,104 30 Jun 25 ₹13,356 Returns for Nippon India Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month -0.4% 3 Month 3.1% 6 Month 5.6% 1 Year 10.3% 3 Year 8.6% 5 Year 6% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 9% 2023 6.7% 2022 2.4% 2021 2.7% 2020 11.3% 2019 8.4% 2018 4.7% 2017 3.1% 2016 13.9% 2015 5.7% Fund Manager information for Nippon India Dynamic Bond Fund
Name Since Tenure Vivek Sharma 25 Jun 20 4.94 Yr. Pranay Sinha 31 Mar 21 4.17 Yr. Kinjal Desai 25 May 18 7.02 Yr. Data below for Nippon India Dynamic Bond Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 3.33% Debt 96.39% Other 0.28% Debt Sector Allocation
Sector Value Government 96.39% Cash Equivalent 3.33% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.83 MH Sdl 2030
Sovereign Bonds | -7% ₹311 Cr 29,400,000 07.78 MH Sgs 2030
Sovereign Bonds | -5% ₹256 Cr 24,100,200 07.04 Tn SDL 2030
Sovereign Bonds | -5% ₹237 Cr 23,078,300 7.17% Govt Stock 2030
Sovereign Bonds | -4% ₹172 Cr 16,500,000 07.70 MH Sgs 2030
Sovereign Bonds | -3% ₹143 Cr 13,500,000 07.76 MH Sgs 2030
Sovereign Bonds | -3% ₹132 Cr 12,500,000 07.02 Tn SDL 2030
Sovereign Bonds | -3% ₹128 Cr 12,500,000 07.86 MH Sdl 2030
Sovereign Bonds | -3% ₹117 Cr 11,000,000 06.65 GJ Sdl 2030
Sovereign Bonds | -2% ₹113 Cr 11,200,000 07.60 MH Sdl 2030
Sovereign Bonds | -2% ₹110 Cr 10,500,000 7. ICICI Prudential Long Term Bond Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 12 in Longterm Bond category. Return for 2024 was 10.1% , 2023 was 6.8% and 2022 was 1.3% . ICICI Prudential Long Term Bond Fund
Growth Launch Date 9 Jul 98 NAV (01 Jul 25) ₹90.186 ↑ 0.12 (0.14 %) Net Assets (Cr) ₹1,230 on 31 May 25 Category Debt - Longterm Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.97 Sharpe Ratio 1.65 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 18 Years 9 Months 7 Days Modified Duration 7 Years 2 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,246 30 Jun 22 ₹10,103 30 Jun 23 ₹10,968 30 Jun 24 ₹11,817 30 Jun 25 ₹12,939 Returns for ICICI Prudential Long Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month -1.2% 3 Month 1.4% 6 Month 4.6% 1 Year 9.5% 3 Year 8.6% 5 Year 5.3% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.1% 2023 6.8% 2022 1.3% 2021 0.4% 2020 11% 2019 12.1% 2018 6.8% 2017 4.1% 2016 15.7% 2015 5.1% Fund Manager information for ICICI Prudential Long Term Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.36 Yr. Raunak Surana 22 Jan 24 1.36 Yr. Data below for ICICI Prudential Long Term Bond Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 31.42% Debt 68.35% Other 0.23% Debt Sector Allocation
Sector Value Government 50.5% Cash Equivalent 31.42% Corporate 17.85% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -33% ₹401 Cr 37,701,500 The Great Eastern Shipping Company Limited
Debentures | -4% ₹54 Cr 536 HDFC Bank Limited
Debentures | -4% ₹52 Cr 5,000 LIC Housing Finance Ltd
Debentures | -4% ₹52 Cr 500 7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -4% ₹51 Cr 4,960,700 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹50 Cr 5,000,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -3% ₹42 Cr 4,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹36 Cr 3,500,000 LIC Housing Finance Ltd
Debentures | -2% ₹26 Cr 2,500 7.09% Govt Stock 2074
Sovereign Bonds | -2% ₹26 Cr 2,500,000 8. ICICI Prudential Long Term Plan
CAGR/Annualized return of 8.9% since its launch. Ranked 1 in Dynamic Bond category. Return for 2024 was 8.2% , 2023 was 7.6% and 2022 was 4.5% . ICICI Prudential Long Term Plan
Growth Launch Date 20 Jan 10 NAV (01 Jul 25) ₹37.0657 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹14,981 on 31 May 25 Category Debt - Dynamic Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.36 Sharpe Ratio 2.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.18% Effective Maturity 8 Years 7 Days Modified Duration 3 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,678 30 Jun 22 ₹10,917 30 Jun 23 ₹11,865 30 Jun 24 ₹12,742 30 Jun 25 ₹13,934 Returns for ICICI Prudential Long Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25 Duration Returns 1 Month 0% 3 Month 2.3% 6 Month 4.9% 1 Year 9.4% 3 Year 8.5% 5 Year 6.9% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 7.6% 2022 4.5% 2021 4.3% 2020 11.8% 2019 10.2% 2018 6.2% 2017 5.1% 2016 16.9% 2015 5.7% Fund Manager information for ICICI Prudential Long Term Plan
Name Since Tenure Manish Banthia 28 Sep 12 12.68 Yr. Nikhil Kabra 22 Jan 24 1.36 Yr. Data below for ICICI Prudential Long Term Plan as on 31 May 25
Asset Allocation
Asset Class Value Cash 17.41% Debt 82.34% Other 0.25% Debt Sector Allocation
Sector Value Corporate 47.71% Government 41.59% Cash Equivalent 10.46% Credit Quality
Rating Value AA 33.44% AAA 66.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -14% ₹2,089 Cr 198,132,590
↓ -66,387,100 7.34% Govt Stock 2064
Sovereign Bonds | -8% ₹1,258 Cr 118,212,000 LIC Housing Finance Ltd
Debentures | -6% ₹964 Cr 94,000 7.81% Govt Stock 2033
Sovereign Bonds | -5% ₹694 Cr 66,848,050 6.99% Govt Stock 2034
Sovereign Bonds | -3% ₹464 Cr 45,460,800 Vedanta Limited
Debentures | -3% ₹402 Cr 40,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹374 Cr 36,083,000
↓ -6,180,200 7.09% Govt Stock 2054
Sovereign Bonds | -2% ₹310 Cr 30,000,000 7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -2% ₹273 Cr 26,457,100 7.14% Maharashtra SDL 2039
Sovereign Bonds | -2% ₹249 Cr 24,000,000
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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