+91-22-48913909FD 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।
(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. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on 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. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan 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. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund 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. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Government Securities Fund - Investment Plan Below is the key information for Bandhan Government Securities Fund - Investment Plan 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. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved Research Highlights for Kotak Medium Term Fund Below is the key information for Kotak Medium Term Fund Returns up to 1 year are on (Erstwhile Axis Income Fund) To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments. Research Highlights for Axis Strategic Bond Fund Below is the key information for Axis Strategic Bond Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (28 Oct 26) ₹25.3603 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹1,657 on 30 Sep 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.59 Sharpe Ratio 1.61 Information Ratio 1.23 Alpha Ratio 4.78 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.24% Effective Maturity 2 Years 2 Months 12 Days Modified Duration 1 Year 7 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,637 30 Sep 23 ₹11,382 30 Sep 24 ₹12,434 30 Sep 25 ₹14,417 30 Sep 26 ₹16,038 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 28 Oct 26 Duration Returns 1 Month -0.3% 3 Month 0.5% 6 Month 3% 1 Year 10% 3 Year 11.9% 5 Year 9.8% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 13.4% 2024 11.9% 2023 6.9% 2022 7.1% 2021 6.4% 2020 9.4% 2019 2.1% 2018 6.6% 2017 8.1% 2016 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 11.47 Yr. Mohit Sharma 6 Aug 20 6.16 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 8.68% Equity 6.93% Debt 84.03% Other 0.35% Debt Sector Allocation
Sector Value Corporate 71.6% Government 12.43% Cash Equivalent 8.68% Credit Quality
Rating Value A 4.5% AA 69.04% AAA 26.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rec Limited
Debentures | -6% ₹99 Cr 10,000
↑ 5,000 SK Finance Limited
Debentures | -5% ₹92 Cr 9,300 Eris Lifesciences Limited
Debentures | -5% ₹79 Cr 7,900
↑ 500 Jubilant Bevco Limited
Debentures | -4% ₹73 Cr 6,500 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹73 Cr 7,500,000
↑ 2,000,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹63 Cr 5,877 Adani Airport Holdings Limited
Debentures | -3% ₹59 Cr 6,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹58 Cr 6,000
↑ 6,000 GMR Airports Limited
Debentures | -3% ₹55 Cr 5,200 Small Industries Development Bank Of India
Debentures | -3% ₹49 Cr 5,000 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (28 Oct 26) ₹43.5552 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹3,370 on 30 Sep 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.92 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 7.99% Effective Maturity 4 Years 25 Days Modified Duration 2 Years 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹12,349 30 Sep 23 ₹13,234 30 Sep 24 ₹14,419 30 Sep 25 ₹16,212 30 Sep 26 ₹17,489 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 28 Oct 26 Duration Returns 1 Month -0.4% 3 Month -0.2% 6 Month 2.3% 1 Year 6.5% 3 Year 9.5% 5 Year 11.7% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 10.9% 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% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 12.09 Yr. Mohit Sharma 6 Aug 20 6.16 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 14.53% Equity 3.99% Debt 81.25% Other 0.23% Debt Sector Allocation
Sector Value Corporate 54.75% Government 26.5% Cash Equivalent 14.53% Credit Quality
Rating Value A 5.77% AA 48.97% AAA 45.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -7% ₹238 Cr 24,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹123 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹112 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹109 Cr 11,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹102 Cr 10,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹98 Cr 10,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -3% ₹98 Cr 10,000
↑ 10,000 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹85 Cr 8,000 Jubilant Bevco Limited
Debentures | -2% ₹83 Cr 7,400 3. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (28 Oct 26) ₹34.6981 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹6,320 on 30 Sep 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.4 Sharpe Ratio 0.97 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 8.57% Effective Maturity 2 Years 11 Months 19 Days Modified Duration 1 Year 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,446 30 Sep 23 ₹11,171 30 Sep 24 ₹12,171 30 Sep 25 ₹13,266 30 Sep 26 ₹14,215 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26 Duration Returns 1 Month -0.4% 3 Month 0.3% 6 Month 2.8% 1 Year 5.9% 3 Year 8% 5 Year 7.1% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.5% 2024 8.5% 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.9 Yr. Akhil Kakkar 22 Jan 24 2.69 Yr. Data below for ICICI Prudential Regular Savings Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Equity 8.97% Debt 91.04% Other 0.38% Debt Sector Allocation
Sector Value Corporate 64.01% Government 27.03% Credit Quality
Rating Value A 8.32% AA 70.2% AAA 21.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -5% ₹310 Cr 31,964,800
↑ 10,000,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹275 Cr 25,500 Adani Enterprises Limited
Debentures | -3% ₹199 Cr 20,000 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426023% ₹198 Cr 4,560,807
↓ -213,921 TRuhome Finance Limited
Debentures | -3% ₹198 Cr 20,000 Vedanta Aluminium Metal Limited
Debentures | -3% ₹175 Cr 17,500 Nirma Limited
Debentures | -2% ₹150 Cr 15,000 Aavas Financiers Limited
Debentures | -2% ₹149 Cr 15,000 Hiranandani Financial Services Private Limited
Debentures | -2% ₹148 Cr 15,000 Keystone Realtors Limited
Debentures | -2% ₹139 Cr 23,500 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (28 Oct 26) ₹38.1441 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹1,708 on 30 Sep 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 0.7 Sharpe Ratio 0.82 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 0.09% Effective Maturity 2 Years 1 Month 13 Days Modified Duration 1 Year 9 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,356 30 Sep 23 ₹11,165 30 Sep 24 ₹12,066 30 Sep 25 ₹13,173 30 Sep 26 ₹14,075 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26 Duration Returns 1 Month 0% 3 Month 0.7% 6 Month 3% 1 Year 6% 3 Year 7.9% 5 Year 7% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.9% 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% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 8.36 Yr. Sushil Budhia 1 Feb 20 6.67 Yr. Amber Singhania 11 Mar 26 0.56 Yr. Data below for Nippon India Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 8.96% Debt 90.8% Other 0.25% Debt Sector Allocation
Sector Value Corporate 72.73% Government 19.62% Cash Equivalent 4.13% Securitized 3.27% Credit Quality
Rating Value A 21.01% AA 42.42% AAA 36.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triumph Composites Private Limited
Debentures | -5% ₹79 Cr 8,000 10.5% Earlysalary Services Private Limited
Debentures | -4% ₹64 Cr 6,500
↑ 6,500 Prospera Healthcorp Private Limited
Debentures | -4% ₹64 Cr 6,500 SAMRIDDHI TRUST SERIES 3
Unlisted bonds | -3% ₹56 Cr 52
↑ 52 Adani Airport Holdings Limited
Debentures | -3% ₹54 Cr 5,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹54 Cr 5,500 Delhi International Airport Limited
Debentures | -3% ₹51 Cr 5,000 HDFC Bank Ltd.
Debentures | -3% ₹49 Cr 1,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹49 Cr 5,000 6.36% Govt Stock 2031
Sovereign Bonds | -3% ₹49 Cr 5,000,000 5. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (28 Oct 26) ₹37.5685 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹1,686 on 30 Sep 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.14 Sharpe Ratio 0.36 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.29% Effective Maturity 1 Year 9 Months 25 Days Modified Duration 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,017 30 Sep 23 ₹10,679 30 Sep 24 ₹12,042 30 Sep 25 ₹12,338 30 Sep 26 ₹13,226 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26 Duration Returns 1 Month 0.2% 3 Month 0.1% 6 Month 4.4% 1 Year 6.6% 3 Year 7.6% 5 Year 5.8% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 2024 10.6% 2023 6.8% 2022 1.4% 2021 2.1% 2020 13.7% 2019 13.3% 2018 7.8% 2017 3.1% 2016 13.9% Fund Manager information for Bandhan Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 15.97 Yr. Brijesh Shah 10 Jun 24 2.31 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 93.19% Debt 6.81% Debt Sector Allocation
Sector Value Cash Equivalent 93.19% Government 6.81% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.36% Govt Stock 2052
Sovereign Bonds | -6% ₹105 Cr 11,100,000 7.3% Govt Stock 2053
Sovereign Bonds | -1% ₹9 Cr 1,000,000 Triparty Repo Trp_161026
CBLO/Reverse Repo | -93% ₹1,562 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹6 Cr Net Current Assets
Net Current Assets | -0% ₹0 Cr 6. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (28 Oct 26) ₹49.5977 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹2,182 on 30 Sep 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.02 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 8.86% Effective Maturity 2 Years 9 Months 18 Days Modified Duration 2 Years 25 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,343 30 Sep 23 ₹11,197 30 Sep 24 ₹12,078 30 Sep 25 ₹13,072 30 Sep 26 ₹14,027 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26 Duration Returns 1 Month -0.2% 3 Month 0.6% 6 Month 3.3% 1 Year 6.3% 3 Year 7.6% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.9% 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% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 9.67 Yr. Prashanth Sridhar 1 Jul 26 0.25 Yr. Data below for SBI Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 4.81% Equity 5.7% Debt 85.88% Other 3.61% Debt Sector Allocation
Sector Value Corporate 73.42% Government 12.45% Cash Equivalent 4.81% Credit Quality
Rating Value A 7.34% AA 73.28% AAA 19.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity H.G. Infra Engineering Limited
Debentures | -5% ₹101 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 TATA Projects Limited
Debentures | -5% ₹99 Cr 10,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹99 Cr 11,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹97 Cr 9,000 Lodha Developers Limited
Debentures | -4% ₹86 Cr 10,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 Jsw Jfe Kalinga Steel Limited
Debentures | -4% ₹78 Cr 7,500 Aditya Birla Renewables Limited
Debentures | -3% ₹75 Cr 7,500 Motilal Oswal Home Finance Limited
Debentures | -3% ₹75 Cr 7,500 7. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (28 Oct 26) ₹24.2889 ↓ -0.01 (-0.05 %) Net Assets (Cr) ₹1,912 on 30 Sep 26 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 0.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-18 Months (2%),18 Months and above(NIL) Yield to Maturity 8.46% Effective Maturity 5 Years 2 Months 23 Days Modified Duration 2 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,231 30 Sep 23 ₹10,806 30 Sep 24 ₹11,866 30 Sep 25 ₹12,847 30 Sep 26 ₹13,561 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26 Duration Returns 1 Month -0.8% 3 Month -0.5% 6 Month 1.8% 1 Year 3.8% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.9% 2024 9% 2023 6.1% 2022 3.2% 2021 4.7% 2020 8.5% 2019 7% 2018 5.4% 2017 6.6% 2016 10.9% Fund Manager information for Kotak Medium Term Fund
Name Since Tenure Deepak Agrawal 25 Mar 14 12.53 Yr. Vihag Mishra 1 Jun 25 1.33 Yr. Data below for Kotak Medium Term Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 3.76% Equity 9.76% Debt 86.16% Other 0.31% Debt Sector Allocation
Sector Value Corporate 78.02% Government 8.14% Cash Equivalent 3.76% Credit Quality
Rating Value A 8.06% AA 59.92% AAA 32.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -6% ₹108 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹96 Cr 10,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -5% ₹90 Cr 9,000 Adani Power Limited
Debentures | -5% ₹89 Cr 9,000 Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | 5426024% ₹78 Cr 1,788,346 360 One Prime Limited
Debentures | -4% ₹75 Cr 7,500 Mas Financial Services Limited
Debentures | -4% ₹74 Cr 7,500 TATA Steel Limited
Debentures | -4% ₹73 Cr 750 Aditya Birla Renewables Limited
Debentures | -3% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -3% ₹54 Cr 5,500 8. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (28 Oct 26) ₹29.9953 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹1,972 on 30 Sep 26 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.32 Sharpe Ratio 0.13 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 8.72% Effective Maturity 4 Years 6 Months Modified Duration 3 Years 29 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,302 30 Sep 23 ₹11,027 30 Sep 24 ₹12,003 30 Sep 25 ₹12,994 30 Sep 26 ₹13,750 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26 Duration Returns 1 Month -0.2% 3 Month -0.1% 6 Month 2.3% 1 Year 4.6% 3 Year 7.4% 5 Year 6.5% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.2% 2024 8.7% 2023 7.3% 2022 3.8% 2021 5.2% 2020 10.5% 2019 7.1% 2018 6.7% 2017 7.5% 2016 11.6% Fund Manager information for Axis Strategic Bond Fund
Name Since Tenure Devang Shah 5 Nov 12 13.91 Yr. Sachin Jain 1 Feb 23 3.67 Yr. Akhil Thakker 1 Feb 23 3.67 Yr. Data below for Axis Strategic Bond Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 4.81% Equity 3.75% Debt 91.12% Other 0.32% Debt Sector Allocation
Sector Value Corporate 68.19% Government 22.93% Cash Equivalent 4.81% Credit Quality
Rating Value A 7.02% AA 63.08% AAA 29.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -9% ₹177 Cr 18,250,000
↑ 500,000 Jubilant Beverages Limited
Debentures | -4% ₹73 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹65 Cr 6,500 Jubilant Bevco Limited
Debentures | -3% ₹62 Cr 5,500 Tamilnadu State Development Loans
Sovereign Bonds | -3% ₹61 Cr 6,358,600 Adani Power Limited
Debentures | -3% ₹60 Cr 6,000 Delhi International Airport Limited
Debentures | -3% ₹55 Cr 5,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -3% ₹55 Cr 5,500 Hiranandani Financial Services Private Limited
Debentures | -3% ₹51 Cr 5,200 Aadhar Housing Finance Limited
Debentures | -3% ₹50 Cr 5,000
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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