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लॉन्ग टर्म डेट फंड- आपको कब निवेश करना चाहिए?
लॉन्ग टर्म डेट फंड एक प्रकार का डेट हैम्यूचुअल फंड्स जो कॉर्पोरेट में निवेश करते हैंबांड और सरकारी प्रतिभूतियां (जी-सेक) जिनकी लंबी अवधि की परिपक्वता अवधि है। इन फंडों की औसत परिपक्वता ज्यादातर समय 3 साल से अधिक होती है। इसीलिए, ये फंड उन निवेशकों के लिए उपयुक्त हैं जो मध्य से लंबी अवधि के लिए निवेश करना चाहते हैंनिवेश योजना यानी, आमतौर पर 3-5 साल या उससे भी अधिक के लिए। आइए समझते हैं कि लॉन्ग टर्म डेट फंड कैसे काम करते हैं और 2022 में निवेश करने के लिए सबसे अच्छे लॉन्ग टर्म बॉन्ड फंड कौन से हैं।
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लॉन्ग टर्म डेट फंड- लॉन्ग टर्म इन्वेस्टमेंट के लिए एक प्लान
लॉन्ग टर्म डेट फंड अपना बड़ा निवेश करते हैंआधारभूत कॉर्पोरेट डिबेंचर, बांड और जैसे ऋण उपकरणों में संपत्तिमुद्रा बाजार उच्च परिपक्वता अवधि के साथ लिखत और सरकारी प्रतिभूतियां। निवेशकों को लॉन्ग टर्म डेट फंड में निवेश करना चाहिए, अगर उनके पास निवेश की समय सीमा 3 साल से अधिक है। साथ ही, यह फंड केवल उन निवेशकों के लिए उपयुक्त है जो निवेश में कुछ स्तर का जोखिम लेने के इच्छुक हैं।
लॉन्ग टर्म डेट फंड ब्याज दर में बदलाव के प्रति संवेदनशील होते हैं और डेट फंड की अन्य श्रेणियों की तुलना में अधिक अस्थिर होते हैं। ऋण लिखतों की ब्याज दरों और कीमतों का विपरीत संबंध होता है, जिसका अर्थ है कि वे विपरीत दिशाओं में चलते हैं। उदाहरण के लिए, गिरती ब्याज दर डेट फंड या बॉन्ड फंड के लिए अच्छी है। दीर्घावधिआय फंड आमतौर पर तब लाभान्वित होते हैं जब ब्याज दरें नीचे की ओर बढ़ रही हों। इसके अलावा, ब्याज दर में गिरावट के दौरान, बांड की कीमतें बढ़ जाती हैं और यह बढ़ावा मिलता हैएनएवी काडेट फंड योजनाएं
गिरती ब्याज दर परिदृश्य में, ऐसे बॉन्ड की औसत परिपक्वता लगभग 7-10 साल तक जा सकती है। जब ब्याज दरें बढ़ती हैं, तो वे कम अवधि की प्रतिभूतियों का स्टॉक करते हैं और पोर्टफोलियो की औसत परिपक्वता को कम रखते हैं।
अधिकतर, लंबी अवधि के बॉन्ड फंड में निवेश करने की सलाह दी जाती है, जब ब्याज दरों में कमी आने की उम्मीद होती है क्योंकि ब्याज दरों में कमी से लंबी अवधि की प्रतिभूतियों की कीमतों में वृद्धि होती है। निवेशक जो ब्याज दरों में उतार-चढ़ाव के साथ सहज हैंमंडी, केवल पसंद करना चाहिएनिवेश लंबी अवधि के डेट फंड में।
रिटर्न और जोखिम
ये फंड अधिक से अधिक रिटर्न देने के लिए हैंबैंक सावधि जमा। इसके अलावा, अगर तीन साल से अधिक समय तक रखा जाता है, तो रिटर्न अधिक कर कुशल होता है। लेकिन, जोखिम की तरफ, जब ब्याज दरें अचानक दिशा बदलती हैं तो ये फंड अस्थिर हो सकते हैं। निरंतर बढ़ती ब्याज दर व्यवस्था में, ये फंड मामूली रिटर्न देते हैं क्योंकि वे लंबी अवधि के बॉन्ड नहीं बेच सकते हैं और छोटी अवधि वाली स्क्रिप्ट पर स्विच नहीं कर सकते हैं।
लॉन्ग टर्म डेट फंड कराधान
डेट फंड पर कर निहितार्थ की गणना निम्नलिखित तरीके से की जाती है-
शॉर्ट टर्म कैपिटल गेन्स
यदि किसी ऋण निवेश की होल्डिंग अवधि 36 महीने से कम है, तो इसे अल्पकालिक निवेश के रूप में वर्गीकृत किया जाता है और इन पर व्यक्ति के टैक्स स्लैब के अनुसार कर लगाया जाता है।
लॉन्ग टर्म कैपिटल गेन्स
यदि ऋण निवेश की होल्डिंग अवधि 36 महीने से अधिक है, तो इसे दीर्घकालिक निवेश के रूप में वर्गीकृत किया जाता है और इंडेक्सेशन लाभ के साथ 20% कर लगाया जाता है।
| राजधानी लाभ | निवेश होल्डिंग लाभ | कर लगाना |
|---|---|---|
| लघु अवधिपूंजीगत लाभ | 36 महीने से कम | व्यक्ति के टैक्स स्लैब के अनुसार |
| लॉन्ग टर्म कैपिटल गेन्स | 36 महीने से अधिक | इंडेक्सेशन लाभ के साथ 20% |
लॉन्ग टर्म बॉन्ड फंड में निवेश कैसे करें?
निवेशक दो तरह से निवेश कर सकते हैं-सिप या एकमुश्त। औसत निवेशकों के लिए, एसआईपी (सिस्टमैटिक इन्वेस्टमेंट प्लान) सबसे व्यवहार्य विकल्प है। यह आपको मासिक/तिमाही/वार्षिक निवेश का एक व्यवस्थित विकल्प देता हैआधार. एकमुश्त में, निवेशकों को योजना में एकमुश्त डाउन पेमेंट के रूप में काफी राशि का निवेश करना होता है। एकमुश्त के लिए न्यूनतम निवेश राशि INR 5000 है, जबकि SIP के लिए यह INR 500 है।
2022 में निवेश करने के लिए सर्वश्रेष्ठ लॉन्ग टर्म बॉन्ड फंड
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Gilt Fund Growth ₹90.1319
↑ 0.03 ₹4,379 5,000 1,000 1.5 3.4 7.7 5.1 3.7 7.57% 1Y 8M 19D 5Y 6M 7D ICICI Prudential Corporate Bond Fund Growth ₹26.2609
↑ 0.00 ₹24,508 5,000 100 1.5 3.3 7.3 5.3 4.5 7.85% 1Y 8M 16D 3Y 9M 14D Aditya Birla Sun Life Corporate Bond Fund Growth ₹98.8411
↑ 0.03 ₹17,862 1,000 100 1.4 3 6.9 5 4.1 7.88% 3Y 2M 12D 4Y 5M 19D HDFC Corporate Bond Fund Growth ₹28.5136
↑ 0.01 ₹26,809 5,000 300 1.3 2.9 6.9 4.7 3.3 7.79% 2Y 8M 9D 4Y 11M 6D Nippon India Prime Debt Fund Growth ₹52.4403
↑ 0.01 ₹2,381 1,000 100 1.3 2.6 6.8 5.3 4.3 7.6% 2Y 10M 24D 3Y 9M 4D IDFC Corporate Bond Fund Growth ₹17.0047
↑ 0.00 ₹14,140 5,000 1,000 1.6 3.2 6.7 4.3 2.6 7.46% 4M 13D 4M 24D BNP Paribas Corporate Bond Fund Growth ₹23.9888
↑ 0.01 ₹142 5,000 300 1.1 2 6.6 3.4 1.6 7.68% 3Y 9M 29D 5Y 5M 26D SBI Magnum Gilt Fund Growth ₹57.791
↑ 0.04 ₹7,715 5,000 500 1.2 2 6.6 4.7 4.2 7.3% 3Y 9M 4D 5Y 2M 12D Kotak Corporate Bond Fund Standard Growth ₹3,308.27
↑ 0.54 ₹10,656 5,000 1,000 1.3 2.8 6.5 4.6 3.7 7.91% 2Y 7M 6D 4Y 7M 2D Franklin India Corporate Debt Fund Growth ₹87.1658
↑ 0.02 ₹797 10,000 500 1.4 2.8 6.3 4.4 3.2 7.57% 1Y 1M 6D 1Y 3M 8D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Dec 23
(Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Gilt Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. ICICI Prudential Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 11 Aug 09. It is a fund with Moderately Low risk and has given a Below is the key information for ICICI Prudential Corporate Bond Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Short Term Fund) An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on (Erstwhile HDFC Medium Term Opportunities Fund) To generate regular income through investments in Debt/
Money Market Instruments and Government Securities with
maturities not exceeding 60 months. HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a Below is the key information for HDFC Corporate Bond Fund Returns up to 1 year are on (Erstwhile Reliance Medium Term Fund) The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital. Nippon India Prime Debt Fund is a Debt - Corporate Bond fund was launched on 14 Sep 00. It is a fund with Moderately Low risk and has given a Below is the key information for Nippon India Prime Debt Fund Returns up to 1 year are on The Fund seeks to provide steady income and capital appreciation by investing primarily in corporate debt securities across maturities and ratings. There is no assurance or guarantee that the objectives of the scheme will be realised. IDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 12 Jan 16. It is a fund with Moderate risk and has given a Below is the key information for IDFC Corporate Bond Fund Returns up to 1 year are on The investment objective of the Scheme is to generate income and capital gains through investments in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme launched hereunder does not guarantee/indicate any returns. BNP Paribas Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 8 Nov 08. It is a fund with Moderate risk and has given a Below is the key information for BNP Paribas Corporate Bond Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no
assurance that the objective of the scheme will be realized. Kotak Corporate Bond Fund Standard is a Debt - Corporate Bond fund was launched on 21 Sep 07. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Corporate Bond Fund Standard Returns up to 1 year are on (Erstwhile Franklin India Income Builder Account - Plan A) The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Franklin India Corporate Debt Fund is a Debt - Corporate Bond fund was launched on 23 Jun 97. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Corporate Debt Fund Returns up to 1 year are on 1. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.5% since its launch. Ranked 5 in Government Bond category. Return for 2022 was 3.7% , 2021 was 3.8% and 2020 was 12.6% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (05 Dec 23) ₹90.1319 ↑ 0.03 (0.04 %) Net Assets (Cr) ₹4,379 on 31 Oct 23 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 0.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.57% Effective Maturity 5 Years 6 Months 7 Days Modified Duration 1 Year 8 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,133 30 Nov 20 ₹12,597 30 Nov 21 ₹13,265 30 Nov 22 ₹13,578 30 Nov 23 ₹14,632 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.7% 3 Month 1.5% 6 Month 3.4% 1 Year 7.7% 3 Year 5.1% 5 Year 7.9% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.7% 2021 3.8% 2020 12.6% 2019 10.8% 2018 6.8% 2017 2.1% 2016 18.2% 2015 5.5% 2014 18% 2013 0.3% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Anuj Tagra 30 Oct 13 10.01 Yr. Rohit Lakhotia 12 Jun 23 0.39 Yr. Data below for ICICI Prudential Gilt Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 9.48% Debt 90.52% Debt Sector Allocation
Sector Value Government 90.52% Cash Equivalent 9.48% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -28% ₹1,229 Cr 122,834,400 8.25% Govt Stock 2033
Sovereign Bonds | -28% ₹1,207 Cr 118,971,700
↑ 10,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -11% ₹498 Cr 50,438,740
↑ 3,709,930 7.06% Govt Stock 2028
Sovereign Bonds | -11% ₹477 Cr 48,233,450
↑ 8,233,450 7.68% Govt Stock 2028
Sovereign Bonds | -10% ₹427 Cr 42,824,649 7.93% Govt Stock 2034
Sovereign Bonds | -2% ₹100 Cr 10,000,000 07.37 Goi 2028
Sovereign Bonds | -0% ₹18 Cr 1,766,550
↑ 1,766,550 7.26% Govt Stock 2033
Sovereign Bonds | -0% ₹3 Cr 333,320
↓ -13,000,000 08.03 GOI FCI 2024
Domestic Bonds | -0% ₹3 Cr 250,000 7.18% Govt Stock 2037
Sovereign Bonds | -0% ₹2 Cr 153,960
↑ 153,960 2. ICICI Prudential Corporate Bond Fund
CAGR/Annualized return of 7% since its launch. Ranked 7 in Corporate Bond category. Return for 2022 was 4.5% , 2021 was 4.1% and 2020 was 10.4% . ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (05 Dec 23) ₹26.2609 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹24,508 on 31 Oct 23 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.85% Effective Maturity 3 Years 9 Months 14 Days Modified Duration 1 Year 8 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,029 30 Nov 20 ₹12,182 30 Nov 21 ₹12,735 30 Nov 22 ₹13,248 30 Nov 23 ₹14,217 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 7.3% 3 Year 5.3% 5 Year 7.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.5% 2021 4.1% 2020 10.4% 2019 9.9% 2018 6.4% 2017 6.3% 2016 9.8% 2015 8.8% 2014 9.4% 2013 8.5% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Anuj Tagra 2 Mar 20 3.67 Yr. Rohit Lakhotia 12 Jun 23 0.39 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 3.86% Debt 95.98% Other 0.17% Debt Sector Allocation
Sector Value Corporate 56.92% Government 38.98% Cash Equivalent 3.86% Securitized 0.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.25% Govt Stock 2033
Sovereign Bonds | -11% ₹2,699 Cr 266,071,700 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹1,396 Cr 141,086,150
↑ 20,586,150 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹1,005 Cr 100,386,200 National Bank For Agriculture And Rural Development
Debentures | -3% ₹855 Cr 86,000 HDFC Bank Limited
Debentures | -3% ₹697 Cr 7,000 Small Industries Development Bank Of India
Debentures | -3% ₹634 Cr 6,400 Small Industries Development Bank Of India
Debentures | -3% ₹624 Cr 6,250
↑ 250 Bharat Petroleum Corporation Limited
Debentures | -2% ₹593 Cr 59,500 HDFC Bank Limited
Debentures | -2% ₹548 Cr 55,000 Power Finance Corporation Ltd.
Debentures | -2% ₹545 Cr 5,500 3. Aditya Birla Sun Life Corporate Bond Fund
CAGR/Annualized return of 8.9% since its launch. Ranked 1 in Corporate Bond category. Return for 2022 was 4.1% , 2021 was 4% and 2020 was 11.9% . Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (05 Dec 23) ₹98.8411 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹17,862 on 31 Oct 23 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio 0.26 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.88% Effective Maturity 4 Years 5 Months 19 Days Modified Duration 3 Years 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,031 30 Nov 20 ₹12,328 30 Nov 21 ₹12,862 30 Nov 22 ₹13,341 30 Nov 23 ₹14,265 Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 3% 1 Year 6.9% 3 Year 5% 5 Year 7.3% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.1% 2021 4% 2020 11.9% 2019 9.6% 2018 7% 2017 6.5% 2016 10.2% 2015 8.9% 2014 10.9% 2013 8.4% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Kaustubh Gupta 12 Apr 21 2.55 Yr. Dhaval Joshi 21 Nov 22 0.94 Yr. Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 3.92% Debt 95.9% Other 0.18% Debt Sector Allocation
Sector Value Corporate 52.56% Government 42.12% Cash Equivalent 3.92% Securitized 1.22% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -9% ₹1,641 Cr 165,589,300
↓ -1,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹1,428 Cr 146,308,000
↑ 7,000,000 8.25% Govt Stock 2033
Sovereign Bonds | -4% ₹647 Cr 63,808,500
↓ -4,500,000 7.93% Govt Stock 2034
Sovereign Bonds | -4% ₹631 Cr 63,137,700
↑ 2,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹529 Cr 53,500,000
↑ 9,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹527 Cr 5,300 Mahindra & Mahindra Financial Services Ltd
Debentures | -2% ₹425 Cr 42,500 Rural Electrification Corporation Limited
Debentures | -2% ₹367 Cr 37,000
↓ -500 7.06% Govt Stock 2028
Sovereign Bonds | -2% ₹366 Cr 37,000,000
↓ -2,500,000 Small Industries Development Bank Of India
Debentures | -2% ₹359 Cr 36,050 4. HDFC Corporate Bond Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 2 in Corporate Bond category. Return for 2022 was 3.3% , 2021 was 3.9% and 2020 was 11.8% . HDFC Corporate Bond Fund
Growth Launch Date 29 Jun 10 NAV (05 Dec 23) ₹28.5136 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹26,809 on 31 Oct 23 Category Debt - Corporate Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.59 Sharpe Ratio 0.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.79% Effective Maturity 4 Years 11 Months 6 Days Modified Duration 2 Years 8 Months 9 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,123 30 Nov 20 ₹12,386 30 Nov 21 ₹12,926 30 Nov 22 ₹13,308 30 Nov 23 ₹14,233 Returns for HDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.5% 3 Month 1.3% 6 Month 2.9% 1 Year 6.9% 3 Year 4.7% 5 Year 7.3% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.3% 2021 3.9% 2020 11.8% 2019 10.3% 2018 6.5% 2017 6.5% 2016 10.6% 2015 8.6% 2014 10.9% 2013 7.6% Fund Manager information for HDFC Corporate Bond Fund
Name Since Tenure Anupam Joshi 27 Oct 15 8.02 Yr. Dhruv Muchhal 22 Jun 23 0.36 Yr. Data below for HDFC Corporate Bond Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 3.17% Debt 96.61% Other 0.22% Debt Sector Allocation
Sector Value Government 48.75% Corporate 47.74% Cash Equivalent 3.17% Securitized 0.13% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.25% Govt Stock 2033
Sovereign Bonds | -6% ₹1,623 Cr 160,000,000 7.68% Govt Stock 2028
Sovereign Bonds | -4% ₹1,071 Cr 107,500,000 7.93% Govt Stock 2034
Sovereign Bonds | -4% ₹1,049 Cr 105,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹796 Cr 80,000 Hdb Financial Services Limited
Debentures | -3% ₹750 Cr 75,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹741 Cr 75,000,000 State Bank Of India
Debentures | -2% ₹649 Cr 6,500 Mangalore Refinery And Petrochemicals Limited
Debentures | -2% ₹550 Cr 5,670 State Bank Of India
Debentures | -2% ₹528 Cr 5,500 Reliance Industries Limited
Debentures | -2% ₹525 Cr 5,000 5. Nippon India Prime Debt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 20 in Corporate Bond category. Return for 2022 was 4.3% , 2021 was 4.7% and 2020 was 9.5% . Nippon India Prime Debt Fund
Growth Launch Date 14 Sep 00 NAV (05 Dec 23) ₹52.4403 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,381 on 31 Oct 23 Category Debt - Corporate Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.64 Sharpe Ratio 0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.6% Effective Maturity 3 Years 9 Months 4 Days Modified Duration 2 Years 10 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,807 30 Nov 20 ₹11,858 30 Nov 21 ₹12,429 30 Nov 22 ₹12,941 30 Nov 23 ₹13,828 Returns for Nippon India Prime Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.6% 1 Year 6.8% 3 Year 5.3% 5 Year 6.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.3% 2021 4.7% 2020 9.5% 2019 7.8% 2018 6.9% 2017 6.6% 2016 9.1% 2015 8.7% 2014 9.3% 2013 8.5% Fund Manager information for Nippon India Prime Debt Fund
Name Since Tenure Vivek Sharma 1 Feb 20 3.75 Yr. Kinjal Desai 25 May 18 5.44 Yr. Akshay Sharma 1 Dec 22 0.92 Yr. Data below for Nippon India Prime Debt Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 13.87% Debt 85.97% Other 0.17% Debt Sector Allocation
Sector Value Corporate 49.66% Government 36.31% Cash Equivalent 13.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Export Import Bank Of India
Debentures | -6% ₹149 Cr 1,500 National Bank For Agriculture And Rural Development
Debentures | -5% ₹124 Cr 12,500 Tata Capital Housing Finance Limited
Debentures | -4% ₹96 Cr 1,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹82 Cr 850 7.68% Govt Stock 2028
Sovereign Bonds | -3% ₹75 Cr 7,500,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹74 Cr 7,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -3% ₹65 Cr 6,500,000 Grasim Industries Limited
Debentures | -3% ₹60 Cr 600 National Housing Bank
Debentures | -2% ₹50 Cr 5,000 State Bank Of India
Debentures | -2% ₹50 Cr 500 6. IDFC Corporate Bond Fund
CAGR/Annualized return of 7% since its launch. Return for 2022 was 2.6% , 2021 was 3.7% and 2020 was 11.6% . IDFC Corporate Bond Fund
Growth Launch Date 12 Jan 16 NAV (05 Dec 23) ₹17.0047 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹14,140 on 31 Oct 23 Category Debt - Corporate Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.6 Sharpe Ratio 0.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,894 30 Nov 20 ₹12,169 30 Nov 21 ₹12,645 30 Nov 22 ₹12,922 30 Nov 23 ₹13,794 Returns for IDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.2% 1 Year 6.7% 3 Year 4.3% 5 Year 6.6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2022 2.6% 2021 3.7% 2020 11.6% 2019 8.5% 2018 6.3% 2017 6.2% 2016 2015 2014 2013 Fund Manager information for IDFC Corporate Bond Fund
Name Since Tenure Suyash Choudhary 28 Jul 21 2.26 Yr. Gautam Kaul 1 Dec 21 1.92 Yr. Data below for IDFC Corporate Bond Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 17.96% Debt 81.77% Other 0.27% Debt Sector Allocation
Sector Value Corporate 52.54% Government 35.72% Cash Equivalent 11.47% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -7% ₹1,023 Cr 102,500,000 National Housing Bank
Debentures | -6% ₹795 Cr 79,500,000 364 DTB 14032024
Sovereign Bonds | -6% ₹780 Cr 80,000,000 Bajaj Housing Finance Limited
Debentures | -5% ₹726 Cr 73,000,000
↑ 24,500,000 National Housing Bank
Debentures | -5% ₹656 Cr 66,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹576 Cr 58,000,000
↓ -2,500,000 Indian Railway Finance Corporation Limited
Debentures | -3% ₹486 Cr 48,500,000
↑ 10,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹447 Cr 45,000,000
↑ 6,000,000 Rural Electrification Corporation Limited
Debentures | -3% ₹430 Cr 43,500,000 Export Import Bank Of India
Debentures | -3% ₹412 Cr 41,500,000 7. BNP Paribas Corporate Bond Fund
CAGR/Annualized return of 6% since its launch. Ranked 24 in Corporate Bond category. Return for 2022 was 1.6% , 2021 was 2.2% and 2020 was 9.9% . BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (05 Dec 23) ₹23.9888 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹142 on 15 Nov 23 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.87 Sharpe Ratio -0.14 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL) Yield to Maturity 7.68% Effective Maturity 5 Years 5 Months 26 Days Modified Duration 3 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,206 30 Nov 20 ₹11,177 30 Nov 21 ₹11,456 30 Nov 22 ₹11,592 30 Nov 23 ₹12,362 Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.1% 6 Month 2% 1 Year 6.6% 3 Year 3.4% 5 Year 4.3% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 2022 1.6% 2021 2.2% 2020 9.9% 2019 0.9% 2018 5.2% 2017 6.7% 2016 10.8% 2015 7.2% 2014 10.8% 2013 7.1% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Mayank Prakash 23 Aug 17 6.19 Yr. Jay Sheth 1 Sep 23 0.16 Yr. Data below for BNP Paribas Corporate Bond Fund as on 15 Nov 23
Asset Allocation
Asset Class Value Cash 7.62% Debt 92.35% Other 0.03% Debt Sector Allocation
Sector Value Corporate 47.91% Government 44.44% Cash Equivalent 7.62% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2029
Sovereign Bonds | -10% ₹15 Cr 1,500,000 Tata Capital Financial Services Limited
Debentures | -8% ₹11 Cr 1,130 Indian Railway Finance Corporation Limited
Debentures | -8% ₹11 Cr 110 Export Import Bank Of India
Debentures | -7% ₹10 Cr 100 Sundaram Bnp Paribas Home Finance Limited
Debentures | -7% ₹10 Cr 1,000 Power Finance Corporation Ltd.
Debentures | -7% ₹10 Cr 1,000 Hindustan Petroleum Corporation Limited
Debentures | -7% ₹10 Cr 100 HDFC Bank Limited
Debentures | -7% ₹10 Cr 100 GAil (India) Limited
Debentures | -7% ₹10 Cr 100 Power Grid Corporation Of India Limited
Debentures | -7% ₹10 Cr 1,000 8. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2022 was 4.2% , 2021 was 3% and 2020 was 11.7% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (05 Dec 23) ₹57.791 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹7,715 on 31 Oct 23 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.2 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.3% Effective Maturity 5 Years 2 Months 12 Days Modified Duration 3 Years 9 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,417 30 Nov 20 ₹12,791 30 Nov 21 ₹13,208 30 Nov 22 ₹13,725 30 Nov 23 ₹14,684 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.7% 3 Month 1.2% 6 Month 2% 1 Year 6.6% 3 Year 4.7% 5 Year 7.8% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.2% 2021 3% 2020 11.7% 2019 13.1% 2018 5.1% 2017 3.9% 2016 16.3% 2015 7.3% 2014 19.9% 2013 6.4% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Dinesh Ahuja 1 Feb 11 12.75 Yr. Data below for SBI Magnum Gilt Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 4.11% Debt 95.89% Debt Sector Allocation
Sector Value Government 95.89% Cash Equivalent 4.11% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -23% ₹1,747 Cr 174,500,000 7.1% Govt Stock 2029
Sovereign Bonds | -21% ₹1,645 Cr 166,500,000
↓ -17,500,000 7.06% Govt Stock 2028
Sovereign Bonds | -13% ₹989 Cr 100,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -13% ₹968 Cr 98,000,000
↑ 85,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹857 Cr 86,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -5% ₹414 Cr 42,500,000
↑ 25,000,000 06.90 OIL SPL 2026
Domestic Bonds | -3% ₹243 Cr 24,694,000
↑ 400,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹241 Cr 25,000,000
↑ 25,000,000 Madhya Pradesh (Government of) 7.76%
- | -2% ₹149 Cr 14,901,200
↑ 14,901,200 7.18% Govt Stock 2037
Sovereign Bonds | -1% ₹94 Cr 9,655,500
↑ 5,155,500 9. Kotak Corporate Bond Fund Standard
CAGR/Annualized return of 7.7% since its launch. Ranked 15 in Corporate Bond category. Return for 2022 was 3.7% , 2021 was 3.8% and 2020 was 9.7% . Kotak Corporate Bond Fund Standard
Growth Launch Date 21 Sep 07 NAV (05 Dec 23) ₹3,308.27 ↑ 0.54 (0.02 %) Net Assets (Cr) ₹10,656 on 31 Oct 23 Category Debt - Corporate Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.4 Sharpe Ratio -0.25 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.91% Effective Maturity 4 Years 7 Months 2 Days Modified Duration 2 Years 7 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,027 30 Nov 20 ₹12,082 30 Nov 21 ₹12,559 30 Nov 22 ₹12,992 30 Nov 23 ₹13,836 Returns for Kotak Corporate Bond Fund Standard
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.8% 1 Year 6.5% 3 Year 4.6% 5 Year 6.7% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.7% 2021 3.8% 2020 9.7% 2019 9.6% 2018 7.5% 2017 6.9% 2016 9.4% 2015 8.8% 2014 11.3% 2013 6.2% Fund Manager information for Kotak Corporate Bond Fund Standard
Name Since Tenure Deepak Agrawal 1 Feb 15 8.75 Yr. Manu Sharma 1 Nov 22 1 Yr. Palha Khanna 3 Jul 23 0.33 Yr. Data below for Kotak Corporate Bond Fund Standard as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 3.5% Debt 96.3% Other 0.21% Debt Sector Allocation
Sector Value Corporate 62.16% Government 34.14% Cash Equivalent 3.5% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.25% Govt Stock 2033
Sovereign Bonds | -11% ₹1,165 Cr 114,882,660
↑ 7,750,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹880 Cr 89,021,000
↑ 26,146,000 Power Finance Corporation Ltd.
Debentures | -5% ₹494 Cr 4,950 Jamnagar Utilities & Power Private Limited
Debentures | -4% ₹394 Cr 4,100 HDFC Bank Limited
Debentures | -3% ₹368 Cr 37,000 Bajaj Housing Finance Limited
Debentures | -3% ₹367 Cr 3,670 Bajaj Finance Limited
Debentures | -3% ₹274 Cr 2,750 Small Industries Development Bank Of India
Debentures | -3% ₹273 Cr 27,500 Small Industries Development Bank Of India
Debentures | -2% ₹261 Cr 26,200 Rural Electrification Corporation Limited
Debentures | -2% ₹235 Cr 2,350 10. Franklin India Corporate Debt Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 22 in Corporate Bond category. Return for 2022 was 3.2% , 2021 was 3.8% and 2020 was 9% . Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (05 Dec 23) ₹87.1658 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹797 on 31 Oct 23 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.78 Sharpe Ratio -0.42 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.57% Effective Maturity 1 Year 3 Months 8 Days Modified Duration 1 Year 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹11,091 30 Nov 20 ₹12,063 30 Nov 21 ₹12,541 30 Nov 22 ₹12,903 30 Nov 23 ₹13,726 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.8% 1 Year 6.3% 3 Year 4.4% 5 Year 6.5% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.2% 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% 2015 8.4% 2014 13% 2013 7.5% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Sachin Padwal-Desai 4 Jun 21 2.41 Yr. Rahul Goswami 6 Oct 23 0.07 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 7.21% Debt 92.55% Other 0.23% Debt Sector Allocation
Sector Value Government 50.13% Corporate 42.42% Cash Equivalent 7.21% Credit Quality
Rating Value AA 2.29% AAA 97.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 07032024
Sovereign Bonds | -9% ₹73 Cr 7,500,000 Export Import Bank Of India
Debentures | -8% ₹67 Cr 650 HDFC Bank Limited
Debentures | -7% ₹53 Cr 500 Nuclear Power Corporation Of India Limited
Debentures | -7% ₹53 Cr 5,000 National Housing Bank
Debentures | -7% ₹52 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹50 Cr 500 Small Industries Development Bank Of India
Debentures | -6% ₹50 Cr 500 Kotak Mahindra Prime Limited
Debentures | -3% ₹27 Cr 250 LIC Housing Finance Limited
Debentures | -3% ₹27 Cr 250 Rural Electrification Corporation Limited
Debentures | -3% ₹26 Cr 250
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