+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 (Erstwhile ICICI Prudential Savings Fund) The scheme aims to generate income consistent with the prudent risk from a portfolio comprising floating rate debt instruments, fixed rate debt instruments swapped for floating rate return, and also fixed rate instruments & money market instruments. Research Highlights for ICICI Prudential Floating Interest Fund Below is the key information for ICICI Prudential Floating Interest 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 ICICI Prudential Corporate Bond Fund) To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Flexible Income Plan) To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Savings Fund Below is the key information for ICICI Prudential Savings 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 (29 Apr 26) ₹24.613 ↓ -0.01 (-0.05 %) Net Assets (Cr) ₹1,178 on 31 Mar 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 2.01 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 8.59% Effective Maturity 2 Years 8 Months 19 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,503 30 Apr 23 ₹11,376 30 Apr 24 ₹12,143 30 Apr 25 ₹14,234 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 29 Apr 26 Duration Returns 1 Month 1.4% 3 Month 2.1% 6 Month 6.7% 1 Year 12% 3 Year 11.9% 5 Year 9.7% 10 Year 15 Year Since launch 8.5% 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 10.96 Yr. Mohit Sharma 6 Aug 20 5.65 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 10.09% Equity 7.72% Debt 81.43% Other 0.77% Debt Sector Allocation
Sector Value Corporate 60.77% Government 20.66% Cash Equivalent 10.09% Credit Quality
Rating Value A 16.62% AA 54.7% AAA 28.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -5% ₹54 Cr 5,200 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 Jubilant Bevco Limited
Debentures | -4% ₹43 Cr 4,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹40 Cr 4,115,800
↓ -500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹34 Cr 3,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹34 Cr 3,500 Kogta Financial (India) Limited
Debentures | -3% ₹32 Cr 3,250 GAursons India Private Limited
Debentures | -3% ₹32 Cr 3,200 Vedanta Limited
Debentures | -3% ₹30 Cr 3,000 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (29 Apr 26) ₹42.5405 ↓ -0.04 (-0.08 %) Net Assets (Cr) ₹3,078 on 31 Mar 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 1.39 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 8.4% Effective Maturity 3 Years 9 Months 29 Days Modified Duration 2 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,842 30 Apr 23 ₹13,281 30 Apr 24 ₹14,129 30 Apr 25 ₹16,187 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 29 Apr 26 Duration Returns 1 Month 1% 3 Month 1.5% 6 Month 4% 1 Year 8.1% 3 Year 9.6% 5 Year 11.8% 10 Year 15 Year Since launch 8.8% 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 11.59 Yr. Mohit Sharma 6 Aug 20 5.65 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 3.54% Equity 4.16% Debt 91.81% Other 0.5% Debt Sector Allocation
Sector Value Corporate 59.76% Government 32.05% Cash Equivalent 3.54% Credit Quality
Rating Value A 11.55% AA 39.56% AAA 48.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹213 Cr 21,196,700 National Bank For Agriculture And Rural Development
Debentures | -4% ₹124 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹113 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -4% ₹108 Cr 11,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹106 Cr 11,000,000
↓ -12,500,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹83 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹80 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹80 Cr 7,673 3. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (30 Apr 26) ₹33.7401 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹5,834 on 31 Mar 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 1.61 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 8.83% Effective Maturity 2 Years 9 Months 18 Days Modified Duration 1 Year 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,610 30 Apr 23 ₹11,253 30 Apr 24 ₹12,065 30 Apr 25 ₹13,199 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.3% 6 Month 2.9% 1 Year 7.6% 3 Year 8.1% 5 Year 7.3% 10 Year 15 Year Since launch 8.2% 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 9.4 Yr. Akhil Kakkar 22 Jan 24 2.19 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 16.01% Equity 9.23% Debt 74.36% Other 0.39% Debt Sector Allocation
Sector Value Corporate 65.84% Government 13.35% Cash Equivalent 11.18% Credit Quality
Rating Value A 21.44% AA 57.69% AAA 20.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹240 Cr 5,715,303 Keystone Realtors Limited
Debentures | -4% ₹233 Cr 23,500 Millennia Realtors Private Limited
Debentures | -4% ₹210 Cr 2,100 Vedanta Limited
Debentures | -3% ₹200 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹198 Cr 20,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹188 Cr 18,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Nirma Limited
Debentures | -3% ₹150 Cr 15,000 Sis Limited
Debentures | -2% ₹124 Cr 12,500 Lodha Developers Limited
Debentures | -2% ₹120 Cr 15,000 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (30 Apr 26) ₹37.0037 ↓ -0.01 (-0.04 %) Net Assets (Cr) ₹1,058 on 31 Mar 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 1.4 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 8.72% Effective Maturity 2 Years 4 Months 28 Days Modified Duration 1 Year 11 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹11,196 30 Apr 23 ₹11,836 30 Apr 24 ₹12,733 30 Apr 25 ₹13,929 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.8% 6 Month 2.9% 1 Year 7.2% 3 Year 8.1% 5 Year 8.4% 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 7.86 Yr. Sushil Budhia 1 Feb 20 6.17 Yr. Amber Singhania 11 Mar 26 0.06 Yr. Data below for Nippon India Credit Risk Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 12.83% Debt 86.88% Other 0.28% Debt Sector Allocation
Sector Value Corporate 74.57% Government 16.98% Cash Equivalent 8.17% Credit Quality
Rating Value A 26.83% AA 36.86% AAA 36.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -7% ₹75 Cr 7,500,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -4% ₹46 Cr 5,000 Muthoot Fincorp Limited
Debentures | -4% ₹44 Cr 20,000
↓ -30,000 TRuhome Finance Limited
Debentures | -4% ₹40 Cr 4,000 Navi Finserv Limited
Debentures | -4% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -4% ₹40 Cr 4,000 Delhi International Airport Limited
Debentures | -3% ₹36 Cr 3,500 Vedanta Limited
Debentures | -3% ₹35 Cr 3,500 Hiranandani Financial Services Private Limited
Debentures | -3% ₹35 Cr 3,500 Auxilo Finserve Private Limited
Debentures | -3% ₹32 Cr 3,200 5. ICICI Prudential Floating Interest Fund
ICICI Prudential Floating Interest Fund
Growth Launch Date 18 Nov 05 NAV (30 Apr 26) ₹445.443 ↓ -0.27 (-0.06 %) Net Assets (Cr) ₹7,041 on 31 Mar 26 Category Debt - Floating Rate AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 1.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.59% Effective Maturity 2 Years 7 Months 10 Days Modified Duration 1 Year 8 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,383 30 Apr 23 ₹11,016 30 Apr 24 ₹11,921 30 Apr 25 ₹12,896 Returns for ICICI Prudential Floating Interest Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.7% 1 Year 6.2% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.7% 2024 8% 2023 7.7% 2022 4.3% 2021 3.8% 2020 9.5% 2019 8.4% 2018 6.6% 2017 6.8% 2016 8.9% Fund Manager information for ICICI Prudential Floating Interest Fund
Name Since Tenure Ritesh Lunawat 13 Sep 24 1.55 Yr. Darshil Dedhia 12 Jun 23 2.81 Yr. Data below for ICICI Prudential Floating Interest Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 54.94% Debt 44.57% Other 0.49% Debt Sector Allocation
Sector Value Corporate 68.19% Cash Equivalent 49.6% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.75% Govt Stock 2033
Sovereign Bonds | -5% ₹385 Cr 37,038,930 LIC Housing Finance Ltd
Debentures | -5% ₹366 Cr 3,650 Citicorp Finance (India) Limited
Debentures | -4% ₹261 Cr 26,143 Tata Capital Limited
Debentures | -4% ₹251 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹230 Cr 23,000 Rec Limited
Debentures | -3% ₹225 Cr 22,500 LIC Housing Finance Ltd
Debentures | -3% ₹200 Cr 20,000 7.24% Bihar Sgs 2031
Sovereign Bonds | -3% ₹198 Cr 20,000,000 Karnataka (Government of)
- | -3% ₹198 Cr 20,000,000 Small Industries Development Bank Of India
Debentures | -3% ₹189 Cr 19,000
↑ 10,000 6. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (30 Apr 26) ₹23.8161 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,807 on 31 Mar 26 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 0.42 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 8.66% Effective Maturity 4 Years 7 Months 10 Days Modified Duration 3 Years 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,496 30 Apr 23 ₹10,966 30 Apr 24 ₹11,717 30 Apr 25 ₹12,868 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 26 Duration Returns 1 Month 0.7% 3 Month 0.7% 6 Month 1.7% 1 Year 5.9% 3 Year 7.5% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% 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 12.03 Yr. Vihag Mishra 1 Jun 25 0.83 Yr. Data below for Kotak Medium Term Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 0.22% Equity 10.28% Debt 89.18% Other 0.32% Debt Sector Allocation
Sector Value Corporate 78.05% Government 11.13% Cash Equivalent 0.22% Credit Quality
Rating Value A 7.99% AA 53.68% AAA 38.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -6% ₹104 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹97 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 | EMBASSY5% ₹84 Cr 1,998,346 TATA Steel Limited
Debentures | -4% ₹74 Cr 750 Pipeline Infrastructure Limited
Debentures | -4% ₹63 Cr 6,280 Aditya Birla Renewables Limited
Debentures | -3% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -3% ₹55 Cr 5,500 Godrej Properties Limited
Debentures | -3% ₹50 Cr 5,000 7. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (30 Apr 26) ₹47.1343 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹5,524 on 31 Mar 26 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 0.58 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.44% Effective Maturity 5 Years 5 Months 26 Days Modified Duration 2 Years 10 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,425 30 Apr 23 ₹11,075 30 Apr 24 ₹11,807 30 Apr 25 ₹12,953 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.1% 6 Month 2.3% 1 Year 6.2% 3 Year 7.5% 5 Year 6.6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 9% 2024 8% 2023 7% 2022 4.2% 2021 5.5% 2020 10.4% 2019 9.2% 2018 5.1% 2017 6.5% 2016 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.4 Yr. Akhil Kakkar 22 Jan 24 2.19 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 10.53% Equity 8.92% Debt 80.21% Other 0.34% Debt Sector Allocation
Sector Value Corporate 65.77% Government 16.56% Cash Equivalent 8.4% Credit Quality
Rating Value AA 61.36% AAA 38.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | EMBASSY4% ₹200 Cr 4,765,556 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹178 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹173 Cr 17,500 Vedanta Limited
Debentures | -3% ₹170 Cr 17,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹156 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹150 Cr 15,000 TATA Projects Limited
Debentures | -3% ₹150 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹148 Cr 150 Godrej Properties Limited
Debentures | -2% ₹126 Cr 12,500 TVS Credit Services Limited
Debentures | -2% ₹112 Cr 110 8. ICICI Prudential Savings Fund
ICICI Prudential Savings Fund
Growth Launch Date 27 Sep 02 NAV (30 Apr 26) ₹571.982 ↓ -0.08 (-0.01 %) Net Assets (Cr) ₹26,665 on 31 Mar 26 Category Debt - Low Duration AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.53 Sharpe Ratio 1.69 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.57% Effective Maturity 1 Year 3 Months 18 Days Modified Duration 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,396 30 Apr 23 ₹11,024 30 Apr 24 ₹11,893 30 Apr 25 ₹12,866 Returns for ICICI Prudential Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 26 Duration Returns 1 Month 0.7% 3 Month 1.5% 6 Month 2.8% 1 Year 6.4% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.7% 2024 8% 2023 7.6% 2022 4.5% 2021 3.8% 2020 8.6% 2019 8.8% 2018 7.3% 2017 7.1% 2016 9.1% Fund Manager information for ICICI Prudential Savings Fund
Name Since Tenure Nikhil Kabra 13 Sep 24 1.55 Yr. Darshil Dedhia 12 Jun 23 2.81 Yr. Data below for ICICI Prudential Savings Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 67.94% Debt 31.74% Other 0.32% Debt Sector Allocation
Sector Value Corporate 73.08% Cash Equivalent 34.93% Credit Quality
Rating Value AA 13.94% AAA 86.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹858 Cr 875 National Bank For Agriculture And Rural Development
Debentures | -2% ₹651 Cr 65,000 6.52% Govt Stock 2031
Sovereign Bonds | -2% ₹622 Cr 60,500,000 7.33% Karnataka Sgs 2033
Sovereign Bonds | -2% ₹494 Cr 50,000,000 Bank of India Ltd.
Debentures | -2% ₹470 Cr 10,000 Bajaj Housing Finance Limited
Debentures | -2% ₹420 Cr 42,500 Piramal Finance Limited
Debentures | -1% ₹376 Cr 37,500 6.75% Govt Stock 2033
Sovereign Bonds | -1% ₹360 Cr 34,589,920 7.17% Gujarat Sgs 2032
Sovereign Bonds | -1% ₹353 Cr 35,734,200 National Bank For Agriculture And Rural Development
Debentures | -1% ₹305 Cr 30,500
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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