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FD बनाम डेट म्यूचुअल फंड

Updated on October 6, 2025 , 8008 views

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:

FD-Vs-Debt-Fund

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

Last-1-Year-Return(%)-of-Long-Term-Income-Funds

Last-1-Year-Returns-of-Long-term-Gilt-Funds

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।

1. Aditya Birla Sun Life Credit Risk Fund

(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.

Research Highlights for Aditya Birla Sun Life Credit Risk Fund

  • Bottom quartile AUM (₹1,044 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 16.36% (top quartile).
  • 1M return: 1.20% (top quartile).
  • Sharpe: 2.29 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.78% (upper mid).
  • Modified duration: 2.10 yrs (top quartile).
  • Average maturity: 3.12 yrs (top quartile).
  • Exit load: 0-365 Days (1%),365 Days and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~86%).
  • High-quality debt (AAA/AA ~96%).
  • Largest holding 6.79% Govt Stock 2034 (~6.8%).

Below is the key information for Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund
Growth
Launch Date 17 Apr 15
NAV (09 Oct 25) ₹22.9553 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹1,044 on 15 Sep 25
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 2.29
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 7.78%
Effective Maturity 3 Years 1 Month 13 Days
Modified Duration 2 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,843
30 Sep 22₹11,533
30 Sep 23₹12,341
30 Sep 24₹13,481
30 Sep 25₹15,632

Aditya Birla Sun Life Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for Aditya Birla Sun Life Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 1.2%
3 Month 2.2%
6 Month 5.2%
1 Year 16.4%
3 Year 10.8%
5 Year 9.4%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2015
Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
NameSinceTenure
Sunaina Cunha17 Apr 1510.38 Yr.
Mohit Sharma6 Aug 205.07 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.84%
Equity7.64%
Debt86.2%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate68.82%
Government17.37%
Cash Equivalent5.84%
Credit Quality
RatingValue
A4.22%
AA69.07%
AAA26.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
7%₹71 Cr7,000,000
JSW Steel Limited
Debentures | -
5%₹55 Cr550
Aditya Birla Real Estate Limited
Debentures | -
4%₹45 Cr4,500
GMR Airports Limited
Debentures | -
4%₹37 Cr3,700
7.18% Govt Stock 2037
Sovereign Bonds | -
3%₹36 Cr3,500,000
9.40% Ikf Finance Ltd (12/08/2027) **
Debentures | -
3%₹35 Cr3,500
↑ 3,500
Jubilant Bevco Limited
Debentures | -
3%₹31 Cr3,000
Narayana Hrudayalaya Limited
Debentures | -
3%₹30 Cr3,000
360 One Prime Limited
Debentures | -
3%₹30 Cr3,000
JSW Energy Limited
Debentures | -
3%₹30 Cr3,000

2. Aditya Birla Sun Life Medium Term Plan

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

  • Upper mid AUM (₹2,876 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 13.09% (top quartile).
  • 1M return: 1.08% (upper mid).
  • Sharpe: 2.36 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.51% (lower mid).
  • Modified duration: 3.38 yrs (lower mid).
  • Average maturity: 4.56 yrs (upper mid).
  • Exit load: 0-365 Days (1%),365 Days and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~90%).
  • High-quality debt (AAA/AA ~97%).
  • Largest holding 6.79% Govt Stock 2034 (~7.8%).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan
Growth
Launch Date 25 Mar 09
NAV (09 Oct 25) ₹40.7664 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹2,876 on 15 Sep 25
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.57
Sharpe Ratio 2.36
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 7.51%
Effective Maturity 4 Years 6 Months 22 Days
Modified Duration 3 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,847
30 Sep 22₹13,395
30 Sep 23₹14,355
30 Sep 24₹15,641
30 Sep 25₹17,586

Aditya Birla Sun Life Medium Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396
Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 1.1%
3 Month 1.7%
6 Month 4.4%
1 Year 13.1%
3 Year 9.6%
5 Year 12%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha1 Sep 1411.01 Yr.
Mohit Sharma6 Aug 205.07 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash6.08%
Equity4.1%
Debt89.57%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate54.88%
Government34.68%
Cash Equivalent6.08%
Credit Quality
RatingValue
A3.19%
AA42.18%
AAA54.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹223 Cr22,000,000
↑ 5,500,000
7.1% Govt Stock 2034
Sovereign Bonds | -
7%₹204 Cr19,696,700
↑ 1,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
7%₹192 Cr18,500,000
Nuvama Wealth Finance Limited
Debentures | -
3%₹96 Cr9,500
GMR Airports Limited
Debentures | -
3%₹80 Cr8,000
Jubilant Bevco Limited
Debentures | -
3%₹77 Cr7,400
Indian Railway Finance Corporation Limited
Debentures | -
3%₹75 Cr7,500
National Bank For Financing Infrastructure And Development
Debentures | -
2%₹71 Cr7,000
Power Grid Corporation Of India Limited
Debentures | -
2%₹69 Cr7,000
360 One Prime Limited
Debentures | -
2%₹66 Cr6,500

3. ICICI Prudential Constant Maturity Gilt Fund

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.

Research Highlights for ICICI Prudential Constant Maturity Gilt Fund

  • Upper mid AUM (₹2,594 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.37% (lower mid).
  • 1M return: 0.59% (bottom quartile).
  • Sharpe: 0.41 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 6.71 yrs (bottom quartile).
  • Average maturity: 9.53 yrs (bottom quartile).
  • Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.1% Govt Stock 2034 (~25.2%).
  • Top-3 holdings concentration ~65.8%.

Below is the key information for ICICI Prudential Constant Maturity Gilt Fund

ICICI Prudential Constant Maturity Gilt Fund
Growth
Launch Date 12 Sep 14
NAV (09 Oct 25) ₹25.0069 ↓ -0.02   (-0.10 %)
Net Assets (Cr) ₹2,594 on 15 Sep 25
Category Debt - 10 Yr Govt Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.39
Sharpe Ratio 0.41
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 6.81%
Effective Maturity 9 Years 6 Months 11 Days
Modified Duration 6 Years 8 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,570
30 Sep 22₹10,480
30 Sep 23₹11,306
30 Sep 24₹12,430
30 Sep 25₹13,343

ICICI Prudential Constant Maturity Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Constant Maturity Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 0.6%
3 Month 0.4%
6 Month 2.8%
1 Year 8.4%
3 Year 8.8%
5 Year 6%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia22 Jan 241.61 Yr.
Raunak Surana22 Jan 241.61 Yr.

Data below for ICICI Prudential Constant Maturity Gilt Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash2.9%
Debt97.1%
Debt Sector Allocation
SectorValue
Government97.1%
Cash Equivalent2.9%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
25%₹654 Cr63,219,850
↑ 1,500,000
6.64% Govt Stock 2035
Sovereign Bonds | -
24%₹634 Cr63,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
16%₹418 Cr40,500,000
↑ 10,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
15%₹384 Cr37,874,500
↓ -19,500,000
7.41% Govt Stock 2036
Sovereign Bonds | -
11%₹285 Cr27,000,000
↑ 15,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
3%₹65 Cr6,500,000
6.19% Govt Stock 2034
Sovereign Bonds | -
2%₹49 Cr5,000,000
6.67% Govt Stock 2035
Sovereign Bonds | -
1%₹25 Cr2,500,000
6.33% Govt Stock 2035
Sovereign Bonds | -
0%₹4 Cr413,500
Net Current Assets
Net Current Assets | -
1%₹39 Cr

4. SBI Magnum Constant Maturity Fund

(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.

Research Highlights for SBI Magnum Constant Maturity Fund

  • Bottom quartile AUM (₹1,882 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.49% (bottom quartile).
  • 1M return: 0.51% (bottom quartile).
  • Sharpe: 0.17 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.87% (lower mid).
  • Modified duration: 6.67 yrs (bottom quartile).
  • Average maturity: 9.49 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.1% Govt Stock 2034 (~66.2%).
  • Top-3 holdings concentration ~96.6%.

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund
Growth
Launch Date 30 Dec 00
NAV (09 Oct 25) ₹64.3434 ↓ -0.07   (-0.12 %)
Net Assets (Cr) ₹1,882 on 31 Aug 25
Category Debt - 10 Yr Govt Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.63
Sharpe Ratio 0.17
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.87%
Effective Maturity 9 Years 5 Months 26 Days
Modified Duration 6 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,501
30 Sep 22₹10,450
30 Sep 23₹11,243
30 Sep 24₹12,380
30 Sep 25₹13,175

SBI Magnum Constant Maturity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Magnum Constant Maturity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 0.5%
3 Month 0.3%
6 Month 2.3%
1 Year 7.5%
3 Year 8.4%
5 Year 5.7%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sudhir Agarwal1 Jul 250.17 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.61%
Debt97.39%
Debt Sector Allocation
SectorValue
Government97.39%
Cash Equivalent2.61%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
66%₹1,246 Cr120,500,000
↓ -6,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
27%₹506 Cr48,999,500
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹66 Cr6,500,000
↑ 6,500,000
6.33% Govt Stock 2035
Sovereign Bonds | -
1%₹15 Cr1,500,000
↑ 1,000,000
Net Receivable / Payable
CBLO | -
2%₹46 Cr
Treps
CBLO/Reverse Repo | -
0%₹3 Cr

5. ICICI Prudential Regular Savings Fund

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

  • Highest AUM (₹6,013 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 9.18% (upper mid).
  • 1M return: 1.24% (top quartile).
  • Sharpe: 1.90 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.07% (top quartile).
  • Modified duration: 2.15 yrs (top quartile).
  • Average maturity: 3.27 yrs (upper mid).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~85%).
  • High-quality debt (AAA/AA ~83%).
  • Largest holding 7.1% Govt Stock 2034 (~5.5%).

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund
Growth
Launch Date 3 Dec 10
NAV (09 Oct 25) ₹32.6667 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹6,013 on 15 Sep 25
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.43
Sharpe Ratio 1.9
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 8.07%
Effective Maturity 3 Years 3 Months 7 Days
Modified Duration 2 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,785
30 Sep 22₹11,266
30 Sep 23₹12,047
30 Sep 24₹13,126
30 Sep 25₹14,307

ICICI Prudential Regular Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for ICICI Prudential Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 1.2%
3 Month 2.2%
6 Month 5.1%
1 Year 9.2%
3 Year 8.4%
5 Year 7.4%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2015 9%
Fund Manager information for ICICI Prudential Regular Savings Fund
NameSinceTenure
Manish Banthia7 Nov 168.82 Yr.
Akhil Kakkar22 Jan 241.61 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.92%
Equity8.21%
Debt85.5%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate72.4%
Government14.3%
Cash Equivalent4.72%
Credit Quality
RatingValue
A16.3%
AA59.05%
AAA23.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
5%₹328 Cr31,767,530
Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 542602
4%₹247 Cr6,030,181
Millennia Realtors Private Limited
Debentures | -
4%₹211 Cr2,100
Vedanta Limited
Debentures | -
3%₹201 Cr20,000
Varroc Engineering Limited
Debentures | -
3%₹188 Cr25,000
Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -
3%₹188 Cr18,500
Aadhar Housing Finance Limited
Debentures | -
3%₹177 Cr17,500
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹168 Cr16,539,430
Nirma Limited
Debentures | -
3%₹152 Cr15,000
Lodha Developers Limited
Debentures | -
2%₹150 Cr15,000

6. Nippon India Dynamic Bond Fund

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.

Research Highlights for Nippon India Dynamic Bond Fund

  • Top quartile AUM (₹4,362 Cr).
  • Established history (20+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 7.76% (bottom quartile).
  • 1M return: 1.09% (upper mid).
  • Sharpe: 0.44 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.56% (bottom quartile).
  • Modified duration: 4.01 yrs (lower mid).
  • Average maturity: 4.90 yrs (lower mid).
  • Exit load: 0-12 Months (1%),12 Months and above(NIL).
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 07.83 MH Sdl 2030 (~7.0%).

Below is the key information for Nippon India Dynamic Bond Fund

Nippon India Dynamic Bond Fund
Growth
Launch Date 15 Nov 04
NAV (09 Oct 25) ₹37.7776 ↓ -0.08   (-0.21 %)
Net Assets (Cr) ₹4,362 on 31 Aug 25
Category Debt - Dynamic Bond
AMC Nippon Life Asset Management Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 0.71
Sharpe Ratio 0.44
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 6.56%
Effective Maturity 4 Years 10 Months 24 Days
Modified Duration 4 Years 4 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,595
30 Sep 22₹10,718
30 Sep 23₹11,499
30 Sep 24₹12,521
30 Sep 25₹13,426

Nippon India Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 1.1%
3 Month 0.7%
6 Month 3.1%
1 Year 7.8%
3 Year 8.3%
5 Year 6.2%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma25 Jun 205.19 Yr.
Pranay Sinha31 Mar 214.42 Yr.
Kinjal Desai25 May 187.27 Yr.

Data below for Nippon India Dynamic Bond Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.46%
Debt97.23%
Other0.3%
Debt Sector Allocation
SectorValue
Government97.23%
Cash Equivalent2.46%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.83 MH Sdl 2030
Sovereign Bonds | -
7%₹305 Cr29,400,000
07.78 MH Sgs 2030
Sovereign Bonds | -
6%₹251 Cr24,100,200
07.04 Tn SDL 2030
Sovereign Bonds | -
5%₹233 Cr23,078,300
07.72 MH Sgs 2031
Sovereign Bonds | -
5%₹198 Cr19,146,700
07.02 Tn SDL 2030
Sovereign Bonds | -
3%₹126 Cr12,500,000
7.17% Govt Stock 2030
Sovereign Bonds | -
3%₹124 Cr12,000,000
↓ -2,500,000
07.86 MH Sdl 2030
Sovereign Bonds | -
3%₹115 Cr11,000,000
06.65 GJ Sdl 2030
Sovereign Bonds | -
3%₹111 Cr11,200,000
07.60 MH Sdl 2030
Sovereign Bonds | -
2%₹108 Cr10,500,000
07.09 KA Sdl 2030
Sovereign Bonds | -
2%₹104 Cr10,321,200

7. Axis Strategic Bond Fund

(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

  • Lower mid AUM (₹1,902 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.78% (upper mid).
  • 1M return: 0.95% (lower mid).
  • Sharpe: 1.24 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.82% (upper mid).
  • Modified duration: 3.33 yrs (upper mid).
  • Average maturity: 4.59 yrs (lower mid).
  • Exit load: 0-12 Months (1%),12 Months and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~90%).
  • Largest holding 7.1% Govt Stock 2034 (~11.5%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund
Growth
Launch Date 28 Mar 12
NAV (09 Oct 25) ₹28.5942 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹1,902 on 15 Sep 25
Category Debt - Medium term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.08
Sharpe Ratio 1.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 7.82%
Effective Maturity 4 Years 7 Months 2 Days
Modified Duration 3 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,742
30 Sep 22₹11,067
30 Sep 23₹11,845
30 Sep 24₹12,893
30 Sep 25₹13,958

Axis Strategic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 1%
3 Month 1.5%
6 Month 3.9%
1 Year 8.8%
3 Year 8.2%
5 Year 6.9%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2015 6.8%
Fund Manager information for Axis Strategic Bond Fund
NameSinceTenure
Devang Shah5 Nov 1212.83 Yr.
Sachin Jain1 Feb 232.58 Yr.
Akhil Thakker1 Feb 232.58 Yr.

Data below for Axis Strategic Bond Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash3.59%
Equity0.88%
Debt95.23%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate65.86%
Government26.74%
Cash Equivalent3.59%
Securitized2.63%
Credit Quality
RatingValue
A9.54%
AA49.37%
AAA41.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
12%₹219 Cr21,200,000
↓ -500,000
Jubilant Beverages Limited
Debentures | -
4%₹68 Cr6,500
Delhi International Airport Limited
Debentures | -
3%₹66 Cr6,500
GMR Hyderabad International Airport Ltd
Debentures | -
3%₹66 Cr6,500
Nirma Limited
Debentures | -
3%₹61 Cr6,000
Vedanta Limited
Debentures | -
3%₹60 Cr6,000
Nuvama Wealth Finance Limited
Debentures | -
3%₹58 Cr5,800
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹56 Cr5,531,900
Dlf Cyber City Developers Ltd
Debentures | -
3%₹56 Cr5,500
Aditya Birla Digital Fashion Ventures Limited
Debentures | -
3%₹55 Cr5,500

8. SBI Credit Risk Fund

(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

  • Lower mid AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.57% (lower mid).
  • 1M return: 0.88% (lower mid).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (upper mid).
  • Average maturity: 3.05 yrs (top quartile).
  • Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
  • Top sector: Industrials.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~80%).
  • Largest holding 6.92% Govt Stock 2039 (~6.8%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (09 Oct 25) ₹46.5622 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹2,210 on 15 Sep 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 1.72
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 8.17%
Effective Maturity 3 Years 18 Days
Modified Duration 2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,722
30 Sep 22₹11,089
30 Sep 23₹12,006
30 Sep 24₹12,950
30 Sep 25₹14,016

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Oct 25

DurationReturns
1 Month 0.9%
3 Month 1.5%
6 Month 3.9%
1 Year 8.6%
3 Year 8.2%
5 Year 7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Lokesh Mallya1 Feb 178.59 Yr.

Data below for SBI Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.16%
Equity3.01%
Debt91.46%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate69.63%
Government21.83%
Cash Equivalent5.16%
Credit Quality
RatingValue
A20.2%
AA64.02%
AAA15.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹151 Cr15,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹113 Cr11,200
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹107 Cr10,500,000
↑ 2,500,000
Infopark Properties Limited
Debentures | -
5%₹106 Cr10,500
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹106 Cr11,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹102 Cr10,000
↑ 10,000
H.G. Infra Engineering Limited
Debentures | -
5%₹100 Cr10,000
Nj Capital Private Limited
Debentures | -
5%₹99 Cr10,000
The Sandur Manganese And Iron Ores Limited
Debentures | -
4%₹83 Cr8,500
Avanse Financial Services Limited
Debentures | -
4%₹80 Cr8,000

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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