+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 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 Below is the key information for ICICI Prudential Constant Maturity Gilt Fund Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. 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 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 Below is the key information for SBI Magnum Constant Maturity 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 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 Below is the key information for Nippon India Dynamic Bond Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk 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 (31 Oct 25) ₹23.0537 ↓ 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 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,780 31 Oct 22 ₹11,489 31 Oct 23 ₹12,281 31 Oct 24 ₹13,783 31 Oct 25 ₹15,618 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 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 2.1% 6 Month 4.8% 1 Year 13.3% 3 Year 10.8% 5 Year 9.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sunaina Cunha 17 Apr 15 10.47 Yr. Mohit Sharma 6 Aug 20 5.16 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 10.74% Equity 7.67% Debt 81.27% Other 0.32% Debt Sector Allocation
Sector Value Corporate 63.69% Government 17.59% Cash Equivalent 10.74% Credit Quality
Rating Value A 8.15% AA 64.8% AAA 27.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹76 Cr 7,500,000 JSW Steel Limited
Debentures | -5% ₹55 Cr 550 Aditya Birla Real Estate Limited
Debentures | -4% ₹45 Cr 4,500 GMR Airports Limited
Debentures | -3% ₹37 Cr 3,700 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹36 Cr 3,500,000 IKF Finance Limited
Debentures | -3% ₹35 Cr 3,500 Jubilant Bevco Limited
Debentures | -3% ₹32 Cr 3,000 Narayana Hrudayalaya Limited
Debentures | -3% ₹30 Cr 3,000 JSW Energy Limited
Debentures | -3% ₹30 Cr 3,000 360 One Prime 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 (31 Oct 25) ₹40.9057 ↑ 0.02 (0.05 %) 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹11,053 31 Oct 22 ₹13,699 31 Oct 23 ₹14,627 31 Oct 24 ₹16,233 31 Oct 25 ₹18,046 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 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.7% 6 Month 3.8% 1 Year 11.2% 3 Year 9.6% 5 Year 12.5% 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 11.09 Yr. Mohit Sharma 6 Aug 20 5.16 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 5.09% Equity 4.34% Debt 90.31% Other 0.26% Debt Sector Allocation
Sector Value Corporate 51.63% Government 38.68% Cash Equivalent 5.09% Credit Quality
Rating Value A 4.91% AA 39.77% AAA 55.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -11% ₹295 Cr 29,000,000
↑ 4,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹204 Cr 19,696,700 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹193 Cr 18,500,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 GMR Airports Limited
Debentures | -3% ₹81 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹78 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹78 Cr 7,673 Indian Railway Finance Corporation Limited
Debentures | -3% ₹76 Cr 7,500 National Bank For Financing Infrastructure And Development
Debentures | -3% ₹71 Cr 7,000 Power Grid Corporation Of India Limited
Debentures | -3% ₹70 Cr 7,000 3. ICICI Prudential Constant Maturity Gilt Fund
ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (31 Oct 25) ₹25.0063 ↑ 0.02 (0.08 %) 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,329 31 Oct 22 ₹10,314 31 Oct 23 ₹11,064 31 Oct 24 ₹12,199 31 Oct 25 ₹13,186 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.6% 3 Month 0.3% 6 Month 1.3% 1 Year 8.1% 3 Year 8.5% 5 Year 5.7% 10 Year 15 Year Since launch 8.6% 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 1.69 Yr. Raunak Surana 22 Jan 24 1.69 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 3.2% Debt 96.8% Debt Sector Allocation
Sector Value Government 96.8% Cash Equivalent 3.2% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.64% Govt Stock 2035
Sovereign Bonds | -24% ₹631 Cr 63,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -21% ₹543 Cr 53,374,500
↑ 20,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -19% ₹484 Cr 46,719,850
↓ -16,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -16% ₹419 Cr 40,500,000 7.41% Govt Stock 2036
Sovereign Bonds | -13% ₹337 Cr 32,000,000 6.19% Govt Stock 2034
Sovereign Bonds | -2% ₹49 Cr 5,000,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹25 Cr 2,500,000 6.92% Govt Stock 2039
Sovereign Bonds | -1% ₹20 Cr 2,000,000
↓ -4,500,000 6.33% Govt Stock 2035
Sovereign Bonds | -0% ₹4 Cr 413,500 Treps
CBLO/Reverse Repo | -2% ₹51 Cr 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (31 Oct 25) ₹32.7897 ↑ 0.02 (0.05 %) 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,688 31 Oct 22 ₹11,192 31 Oct 23 ₹11,969 31 Oct 24 ₹13,074 31 Oct 25 ₹14,247 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 4.6% 1 Year 9% 3 Year 8.4% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Manish Banthia 7 Nov 16 8.9 Yr. Akhil Kakkar 22 Jan 24 1.69 Yr. Data below for ICICI Prudential Regular Savings Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 4.1% Equity 8.55% Debt 86.98% Other 0.38% Debt Sector Allocation
Sector Value Corporate 72.87% Government 14.91% Cash Equivalent 3.29% Credit Quality
Rating Value A 21% AA 57.3% AAA 21.7% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹256 Cr 6,030,181 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹253 Cr 24,889,430
↑ 10,000,000 Keystone Realtors Limited
Debentures | -4% ₹236 Cr 23,500 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹213 Cr 20,517,530
↓ -10,000,000 Millennia Realtors Private Limited
Debentures | -4% ₹211 Cr 2,100 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Adani Enterprises Ltd. **
Debentures | -3% ₹199 Cr 20,000
↑ 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹188 Cr 18,500 Varroc Engineering Limited
Debentures | -3% ₹188 Cr 25,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹183 Cr 18,000 5. SBI Magnum Constant Maturity Fund
SBI Magnum Constant Maturity Fund
Growth Launch Date 30 Dec 00 NAV (31 Oct 25) ₹64.425 ↑ 0.08 (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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,287 31 Oct 22 ₹10,290 31 Oct 23 ₹11,013 31 Oct 24 ₹12,151 31 Oct 25 ₹13,045 Returns for SBI Magnum Constant Maturity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.7% 3 Month 0.3% 6 Month 1% 1 Year 7.4% 3 Year 8.2% 5 Year 5.5% 10 Year 15 Year Since launch 7.8% 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 Sudhir Agarwal 1 Jul 25 0.25 Yr. Data below for SBI Magnum Constant Maturity Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 0.92% Debt 99.08% Debt Sector Allocation
Sector Value Government 99.08% Cash Equivalent 0.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -73% ₹1,373 Cr 135,000,000
↑ 9,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -24% ₹455 Cr 43,999,500
↓ -5,000,000 6.33% Govt Stock 2035
Sovereign Bonds | -1% ₹25 Cr 2,500,000 Net Receivable / Payable
CBLO | -1% ₹10 Cr Treps
CBLO/Reverse Repo | -0% ₹7 Cr 6. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (31 Oct 25) ₹28.6853 ↑ 0.02 (0.06 %) 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,590 31 Oct 22 ₹10,938 31 Oct 23 ₹11,690 31 Oct 24 ₹12,754 31 Oct 25 ₹13,857 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.5% 6 Month 3.3% 1 Year 8.6% 3 Year 8.2% 5 Year 6.7% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Devang Shah 5 Nov 12 12.91 Yr. Sachin Jain 1 Feb 23 2.67 Yr. Akhil Thakker 1 Feb 23 2.67 Yr. Data below for Axis Strategic Bond Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 3.18% Equity 0.62% Debt 95.91% Other 0.29% Debt Sector Allocation
Sector Value Corporate 64.9% Government 28.4% Cash Equivalent 3.18% Securitized 2.62% Credit Quality
Rating Value A 13.45% AA 44.83% AAA 41.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -11% ₹220 Cr 21,200,000 Jubilant Beverages Limited
Debentures | -4% ₹68 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹66 Cr 6,500 Nirma Limited
Debentures | -3% ₹61 Cr 6,000 Vedanta Limited
Debentures | -3% ₹60 Cr 6,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹58 Cr 5,800 Delhi International Airport Limited
Debentures | -3% ₹57 Cr 5,500
↓ -1,000 Dlf Cyber City Developers Ltd
Debentures | -3% ₹56 Cr 5,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -3% ₹55 Cr 5,500 Aadhar Housing Finance Limited
Debentures | -3% ₹53 Cr 5,200 7. Nippon India Dynamic Bond Fund
Nippon India Dynamic Bond Fund
Growth Launch Date 15 Nov 04 NAV (31 Oct 25) ₹37.9395 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹4,362 on 31 Aug 25 Category Debt - Dynamic Bond AMC Nippon Life Asset Management Ltd. Rating 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,250 31 Oct 22 ₹10,368 31 Oct 23 ₹11,093 31 Oct 24 ₹12,189 31 Oct 25 ₹13,130 Returns for Nippon India Dynamic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.9% 3 Month 0.6% 6 Month 2.2% 1 Year 7.7% 3 Year 8.2% 5 Year 5.6% 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 5.27 Yr. Pranay Sinha 31 Mar 21 4.5 Yr. Kinjal Desai 25 May 18 7.36 Yr. Data below for Nippon India Dynamic Bond Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 2.06% Debt 97.64% Other 0.3% Debt Sector Allocation
Sector Value Government 97.64% Cash Equivalent 2.06% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.83 MH Sdl 2030
Sovereign Bonds | -7% ₹306 Cr 29,400,000 07.78 MH Sgs 2030
Sovereign Bonds | -6% ₹251 Cr 24,100,200 07.04 Tn SDL 2030
Sovereign Bonds | -5% ₹234 Cr 23,078,300 07.72 MH Sgs 2031
Sovereign Bonds | -5% ₹199 Cr 19,146,700 07.02 Tn SDL 2030
Sovereign Bonds | -3% ₹126 Cr 12,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹125 Cr 12,000,000 07.86 MH Sdl 2030
Sovereign Bonds | -3% ₹115 Cr 11,000,000 06.65 GJ Sdl 2030
Sovereign Bonds | -3% ₹112 Cr 11,200,000 07.09 KA Sdl 2030
Sovereign Bonds | -2% ₹105 Cr 10,321,200 07.49 MH Sdl 2030
Sovereign Bonds | -2% ₹103 Cr 10,030,000 8. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (31 Oct 25) ₹46.684 ↑ 0.02 (0.04 %) 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.
Date Value 31 Oct 20 ₹10,000 31 Oct 21 ₹10,574 31 Oct 22 ₹10,973 31 Oct 23 ₹11,868 31 Oct 24 ₹12,832 31 Oct 25 ₹13,890 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.4% 1 Year 8.2% 3 Year 8.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Lokesh Mallya 1 Feb 17 8.67 Yr. Data below for SBI Credit Risk Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 4.89% Equity 3.09% Debt 91.65% Other 0.37% Debt Sector Allocation
Sector Value Corporate 73.41% Government 18.24% Cash Equivalent 4.89% Credit Quality
Rating Value A 17.26% AA 63.98% AAA 18.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹152 Cr 15,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹113 Cr 11,200 Infopark Properties Limited
Debentures | -5% ₹106 Cr 10,500 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹105 Cr 11,000 H.G. Infra Engineering Limited
Debentures | -5% ₹100 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹100 Cr 10,000 6.68% Govt Stock 2040
Sovereign Bonds | -5% ₹99 Cr 10,000,000
↑ 10,000,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹91 Cr 9,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹82 Cr 8,500 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000
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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