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लॉन्ग टर्म डेट फंड- आपको कब निवेश करना चाहिए?

Updated on August 14, 2026 , 12268 views

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।

long-term-debt-funds

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

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2025 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Bandhan Government Securities Fund - Investment Plan Growth ₹37.7815
↓ -0.17
₹1,892 5,000 1,000 4.86.78.883.77.6%10Y 11M 16D32Y 1M 28D
ICICI Prudential Corporate Bond Fund Growth ₹32.0133
↓ -0.01
₹30,030 5,000 100 2.73.56.37.587.91%3Y 4M 10D5Y 8M 23D
BNP Paribas Corporate Bond Fund Growth ₹29.4519
↓ -0.01
₹286 5,000 300 2.83.56.17.78.37.73%2Y 4M 13D3Y 2M 16D
Bandhan Corporate Bond Fund Growth ₹20.5387
↓ -0.02
₹13,688 5,000 1,000 2.73.667.27.47.58%2Y 3M 29D2Y 9M 18D
Franklin India Corporate Debt Fund Growth ₹106.544
↑ 0.02
₹1,362 10,000 500 235.97.69.17.91%1Y 4M 20D2Y 9M 7D
ICICI Prudential Gilt Fund Growth ₹109.128
↓ -0.12
₹8,785 5,000 1,000 4.14.45.87.46.87.71%9Y 4M 10D21Y 7M 6D
Franklin India Government Securities Fund Growth ₹61.7008
↑ 0.06
₹149 10,000 500 2.53.45.86.25.56.78%2Y 5M 23D8Y 7M 2D
Kotak Corporate Bond Fund Standard Growth ₹4,019.63
↓ -1.76
₹14,997 5,000 1,000 2.52.95.67.47.87.99%2Y 6M 29D4Y
UTI Gilt Fund Growth ₹66.1346
↓ -0.07
₹423 5,000 500 2.23.75.66.95.16.4%3Y 2M 16D7Y 11M 19D
Axis Gilt Fund Growth ₹26.85
↓ -0.05
₹431 5,000 1,000 3.74.25.57.45.27.35%8Y 4M 24D19Y 2M 12D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Aug 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryBandhan Government Securities Fund - Investment PlanICICI Prudential Corporate Bond FundBNP Paribas Corporate Bond FundBandhan Corporate Bond FundFranklin India Corporate Debt FundICICI Prudential Gilt FundFranklin India Government Securities FundKotak Corporate Bond Fund Standard UTI Gilt FundAxis Gilt Fund
Point 1Upper mid AUM (₹1,892 Cr).Highest AUM (₹30,030 Cr).Bottom quartile AUM (₹286 Cr).Upper mid AUM (₹13,688 Cr).Lower mid AUM (₹1,362 Cr).Upper mid AUM (₹8,785 Cr).Bottom quartile AUM (₹149 Cr).Top quartile AUM (₹14,997 Cr).Bottom quartile AUM (₹423 Cr).Lower mid AUM (₹431 Cr).
Point 2Established history (17+ yrs).Established history (17+ yrs).Established history (17+ yrs).Established history (10+ yrs).Oldest track record among peers (29 yrs).Established history (27+ yrs).Established history (24+ yrs).Established history (18+ yrs).Established history (24+ yrs).Established history (14+ yrs).
Point 3Rating: 3★ (upper mid).Top rated.Rating: 3★ (lower mid).Not Rated.Rating: 2★ (bottom quartile).Rating: 4★ (top quartile).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 8.77% (top quartile).1Y return: 6.32% (top quartile).1Y return: 6.12% (upper mid).1Y return: 5.99% (upper mid).1Y return: 5.91% (upper mid).1Y return: 5.82% (lower mid).1Y return: 5.76% (lower mid).1Y return: 5.61% (bottom quartile).1Y return: 5.58% (bottom quartile).1Y return: 5.51% (bottom quartile).
Point 61M return: 1.11% (top quartile).1M return: 0.81% (upper mid).1M return: 0.82% (upper mid).1M return: 0.82% (upper mid).1M return: 0.72% (bottom quartile).1M return: 1.21% (top quartile).1M return: 0.79% (lower mid).1M return: 0.80% (lower mid).1M return: 0.77% (bottom quartile).1M return: 0.67% (bottom quartile).
Point 7Sharpe: 0.47 (top quartile).Sharpe: 0.31 (top quartile).Sharpe: 0.11 (upper mid).Sharpe: 0.11 (upper mid).Sharpe: 0.07 (upper mid).Sharpe: -0.14 (lower mid).Sharpe: -0.26 (bottom quartile).Sharpe: -0.10 (lower mid).Sharpe: -0.25 (bottom quartile).Sharpe: -0.15 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 7.60% (lower mid).Yield to maturity (debt): 7.91% (top quartile).Yield to maturity (debt): 7.73% (upper mid).Yield to maturity (debt): 7.58% (lower mid).Yield to maturity (debt): 7.91% (upper mid).Yield to maturity (debt): 7.71% (upper mid).Yield to maturity (debt): 6.78% (bottom quartile).Yield to maturity (debt): 7.99% (top quartile).Yield to maturity (debt): 6.40% (bottom quartile).Yield to maturity (debt): 7.35% (bottom quartile).
Point 10Modified duration: 10.96 yrs (bottom quartile).Modified duration: 3.36 yrs (lower mid).Modified duration: 2.37 yrs (upper mid).Modified duration: 2.33 yrs (top quartile).Modified duration: 1.39 yrs (top quartile).Modified duration: 9.36 yrs (bottom quartile).Modified duration: 2.48 yrs (upper mid).Modified duration: 2.58 yrs (upper mid).Modified duration: 3.21 yrs (lower mid).Modified duration: 8.40 yrs (bottom quartile).

Bandhan Government Securities Fund - Investment Plan

  • Upper mid AUM (₹1,892 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.77% (top quartile).
  • 1M return: 1.11% (top quartile).
  • Sharpe: 0.47 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.60% (lower mid).
  • Modified duration: 10.96 yrs (bottom quartile).

ICICI Prudential Corporate Bond Fund

  • Highest AUM (₹30,030 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 6.32% (top quartile).
  • 1M return: 0.81% (upper mid).
  • Sharpe: 0.31 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.91% (top quartile).
  • Modified duration: 3.36 yrs (lower mid).

BNP Paribas Corporate Bond Fund

  • Bottom quartile AUM (₹286 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.12% (upper mid).
  • 1M return: 0.82% (upper mid).
  • Sharpe: 0.11 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.73% (upper mid).
  • Modified duration: 2.37 yrs (upper mid).

Bandhan Corporate Bond Fund

  • Upper mid AUM (₹13,688 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 5.99% (upper mid).
  • 1M return: 0.82% (upper mid).
  • Sharpe: 0.11 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.58% (lower mid).
  • Modified duration: 2.33 yrs (top quartile).

Franklin India Corporate Debt Fund

  • Lower mid AUM (₹1,362 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.91% (upper mid).
  • 1M return: 0.72% (bottom quartile).
  • Sharpe: 0.07 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.91% (upper mid).
  • Modified duration: 1.39 yrs (top quartile).

ICICI Prudential Gilt Fund

  • Upper mid AUM (₹8,785 Cr).
  • Established history (27+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.82% (lower mid).
  • 1M return: 1.21% (top quartile).
  • Sharpe: -0.14 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.71% (upper mid).
  • Modified duration: 9.36 yrs (bottom quartile).

Franklin India Government Securities Fund

  • Bottom quartile AUM (₹149 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.76% (lower mid).
  • 1M return: 0.79% (lower mid).
  • Sharpe: -0.26 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.78% (bottom quartile).
  • Modified duration: 2.48 yrs (upper mid).

Kotak Corporate Bond Fund Standard

  • Top quartile AUM (₹14,997 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.61% (bottom quartile).
  • 1M return: 0.80% (lower mid).
  • Sharpe: -0.10 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.99% (top quartile).
  • Modified duration: 2.58 yrs (upper mid).

UTI Gilt Fund

  • Bottom quartile AUM (₹423 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 5.58% (bottom quartile).
  • 1M return: 0.77% (bottom quartile).
  • Sharpe: -0.25 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.40% (bottom quartile).
  • Modified duration: 3.21 yrs (lower mid).

Axis Gilt Fund

  • Lower mid AUM (₹431 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.51% (bottom quartile).
  • 1M return: 0.67% (bottom quartile).
  • Sharpe: -0.15 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.35% (bottom quartile).
  • Modified duration: 8.40 yrs (bottom quartile).

1. Bandhan Government Securities Fund - Investment Plan

IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Government Securities Fund - Investment Plan

  • Upper mid AUM (₹1,892 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.77% (top quartile).
  • 1M return: 1.11% (top quartile).
  • Sharpe: 0.47 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.60% (lower mid).
  • Modified duration: 10.96 yrs (bottom quartile).
  • Average maturity: 32.16 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 7.24% Govt Stock 2055 (~68.1%).
  • Top-3 holdings concentration ~96.1%.

Below is the key information for Bandhan Government Securities Fund - Investment Plan

Bandhan Government Securities Fund - Investment Plan
Growth
Launch Date 3 Dec 08
NAV (17 Aug 26) ₹37.7815 ↓ -0.17   (-0.44 %)
Net Assets (Cr) ₹1,892 on 30 Jun 26
Category Debt - Government Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.13
Sharpe Ratio 0.47
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.6%
Effective Maturity 32 Years 1 Month 28 Days
Modified Duration 10 Years 11 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,141
31 Jul 23₹10,742
31 Jul 24₹11,825
31 Jul 25₹12,568
31 Jul 26₹13,321

Bandhan Government Securities Fund - Investment Plan 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 Bandhan Government Securities Fund - Investment Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Aug 26

DurationReturns
1 Month 1.1%
3 Month 4.8%
6 Month 6.7%
1 Year 8.8%
3 Year 8%
5 Year 6.2%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 3.7%
2024 10.6%
2023 6.8%
2022 1.4%
2021 2.1%
2020 13.7%
2019 13.3%
2018 7.8%
2017 3.1%
2016 13.9%
Fund Manager information for Bandhan Government Securities Fund - Investment Plan
NameSinceTenure
Suyash Choudhary15 Oct 1015.8 Yr.
Brijesh Shah10 Jun 242.14 Yr.

Data below for Bandhan Government Securities Fund - Investment Plan as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash3.08%
Debt96.92%
Debt Sector Allocation
SectorValue
Government96.92%
Cash Equivalent3.08%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.24% Govt Stock 2055
Sovereign Bonds | -
68%₹1,278 Cr130,100,000
↑ 10,600,000
7.3% Govt Stock 2053
Sovereign Bonds | -
19%₹361 Cr36,500,000
7.36% Govt Stock 2052
Sovereign Bonds | -
9%₹163 Cr16,400,000
6.9% Govt Stock 2065
Sovereign Bonds | -
1%₹16 Cr1,700,000
Net Current Assets
Net Current Assets | -
2%₹44 Cr
Triparty Repo Trp_160726
CBLO/Reverse Repo | -
1%₹14 Cr
Cash Margin - Ccil
CBLO/Reverse Repo | -
0%₹0 Cr
6.68% Govt Stock 2040
Sovereign Bonds | -
₹0 Cr00
↓ -11,500,000

2. ICICI Prudential Corporate Bond Fund

(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.

Research Highlights for ICICI Prudential Corporate Bond Fund

  • Highest AUM (₹30,030 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 6.32% (top quartile).
  • 1M return: 0.81% (upper mid).
  • Sharpe: 0.31 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.91% (top quartile).
  • Modified duration: 3.36 yrs (lower mid).
  • Average maturity: 5.73 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding LIC Housing Finance Ltd (~4.8%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (17 Aug 26) ₹32.0133 ↓ -0.01   (-0.03 %)
Net Assets (Cr) ₹30,030 on 30 Jun 26
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio 0.31
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.91%
Effective Maturity 5 Years 8 Months 23 Days
Modified Duration 3 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,339
31 Jul 23₹11,141
31 Jul 24₹11,997
31 Jul 25₹13,059
31 Jul 26₹13,822

ICICI Prudential Corporate 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 ICICI Prudential Corporate 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 17 Aug 26

DurationReturns
1 Month 0.8%
3 Month 2.7%
6 Month 3.5%
1 Year 6.3%
3 Year 7.5%
5 Year 6.7%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2025 8%
2024 8%
2023 7.6%
2022 4.5%
2021 4.1%
2020 10.4%
2019 9.9%
2018 6.4%
2017 6.3%
2016 9.8%
Fund Manager information for ICICI Prudential Corporate Bond Fund
NameSinceTenure
Manish Banthia22 Jan 242.53 Yr.
Ritesh Lunawat22 Jan 242.53 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash3.8%
Debt95.88%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate65.6%
Government33.7%
Cash Equivalent0.37%
Credit Quality
RatingValue
AA0.57%
AAA99.43%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
5%₹1,454 Cr145,500
6.94% Govt Stock 2036
Sovereign Bonds | -
3%₹1,048 Cr103,598,930
↓ -9,016,270
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
3%₹987 Cr1,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹883 Cr900
National Bank For Agriculture And Rural Development
Debentures | -
2%₹746 Cr74,550
Small Industries Development Bank Of India
Debentures | -
2%₹738 Cr74,433
6.9% Govt Stock 2065
Sovereign Bonds | -
2%₹730 Cr79,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹634 Cr63,500
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹571 Cr58,412,000
Bajaj Finance Ltd.
Debentures | -
2%₹497 Cr50,000
↑ 50,000

3. BNP Paribas Corporate Bond Fund

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.

Research Highlights for BNP Paribas Corporate Bond Fund

  • Bottom quartile AUM (₹286 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.12% (upper mid).
  • 1M return: 0.82% (upper mid).
  • Sharpe: 0.11 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.73% (upper mid).
  • Modified duration: 2.37 yrs (upper mid).
  • Average maturity: 3.21 yrs (upper mid).
  • Exit load: 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL).
  • Top sector: Real Estate.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Ntpc Limited (~5.2%).

Below is the key information for BNP Paribas Corporate Bond Fund

BNP Paribas Corporate Bond Fund
Growth
Launch Date 8 Nov 08
NAV (17 Aug 26) ₹29.4519 ↓ -0.01   (-0.04 %)
Net Assets (Cr) ₹286 on 30 Jun 26
Category Debt - Corporate Bond
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating
Risk Moderate
Expense Ratio 0.58
Sharpe Ratio 0.11
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 7.73%
Effective Maturity 3 Years 2 Months 16 Days
Modified Duration 2 Years 4 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,054
31 Jul 23₹10,722
31 Jul 24₹11,511
31 Jul 25₹12,626
31 Jul 26₹13,339

BNP Paribas Corporate 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for BNP Paribas Corporate 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 17 Aug 26

DurationReturns
1 Month 0.8%
3 Month 2.8%
6 Month 3.5%
1 Year 6.1%
3 Year 7.7%
5 Year 6%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2025 8.3%
2024 8.3%
2023 7%
2022 1.6%
2021 2.2%
2020 9.9%
2019 0.9%
2018 5.2%
2017 6.7%
2016 10.8%
Fund Manager information for BNP Paribas Corporate Bond Fund
NameSinceTenure
Gurvinder Wasan21 Oct 241.78 Yr.
Vikram Pamnani11 Jul 242.06 Yr.

Data below for BNP Paribas Corporate Bond Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash4.69%
Equity3.9%
Debt90.96%
Other0.45%
Debt Sector Allocation
SectorValue
Corporate75.75%
Government15.21%
Cash Equivalent4.69%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Ntpc Limited
Debentures | -
5%₹15 Cr150
6.94% Govt Stock 2036
Sovereign Bonds | -
5%₹13 Cr1,300,000
↑ 600,000
Small Industries Development Bank Of India
Debentures | -
4%₹12 Cr1,200
Rec Limited
Debentures | -
4%₹11 Cr1,100
↑ 1,100
Hindustan Petroleum Corporation Limited
Debentures | -
4%₹10 Cr100
Hindustan Petroleum Corporation Limited
Debentures | -
3%₹10 Cr1,000
Indian Oil Corporation Limited
Debentures | -
3%₹10 Cr1,000
LIC Housing Finance Ltd
Debentures | -
3%₹10 Cr1,000
GAil (India) Limited
Debentures | -
3%₹10 Cr100
Bajaj Finance Limited
Debentures | -
3%₹10 Cr1,000

4. Bandhan Corporate Bond Fund

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.

Research Highlights for Bandhan Corporate Bond Fund

  • Upper mid AUM (₹13,688 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 5.99% (upper mid).
  • 1M return: 0.82% (upper mid).
  • Sharpe: 0.11 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.58% (lower mid).
  • Modified duration: 2.33 yrs (top quartile).
  • Average maturity: 2.80 yrs (top quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~88%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Reliance Industries Limited (~4.1%).

Below is the key information for Bandhan Corporate Bond Fund

Bandhan Corporate Bond Fund
Growth
Launch Date 12 Jan 16
NAV (17 Aug 26) ₹20.5387 ↓ -0.02   (-0.08 %)
Net Assets (Cr) ₹13,688 on 30 Jun 26
Category Debt - Corporate Bond
AMC IDFC Asset Management Company Limited
Rating Not Rated
Risk Moderate
Expense Ratio 0.65
Sharpe Ratio 0.11
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.58%
Effective Maturity 2 Years 9 Months 18 Days
Modified Duration 2 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,212
31 Jul 23₹10,840
31 Jul 24₹11,606
31 Jul 25₹12,640
31 Jul 26₹13,323

Bandhan Corporate 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Bandhan Corporate 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 17 Aug 26

DurationReturns
1 Month 0.8%
3 Month 2.7%
6 Month 3.6%
1 Year 6%
3 Year 7.2%
5 Year 5.9%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.4%
2024 7.7%
2023 6.8%
2022 2.6%
2021 3.7%
2020 11.6%
2019 8.5%
2018 6.3%
2017 6.2%
2016
Fund Manager information for Bandhan Corporate Bond Fund
NameSinceTenure
Suyash Choudhary28 Jul 215.01 Yr.
Gautam Kaul1 Dec 214.67 Yr.
Brijesh Shah10 Jun 242.14 Yr.

Data below for Bandhan Corporate Bond Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash11.5%
Debt88.17%
Other0.34%
Debt Sector Allocation
SectorValue
Corporate65.34%
Government29.94%
Cash Equivalent4.37%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Limited
Debentures | -
4%₹559 Cr54,000,000
↑ 5,000,000
Reliance Industries Limited
Debentures | -
4%₹541 Cr52,500,000
↑ 2,500,000
Bajaj Finance Ltd. 7.7%
Debentures | -
3%₹469 Cr47,157,000
↑ 47,157,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹395 Cr39,500,000
↑ 10,000,000
Ultratech Cement Limited
Debentures | -
2%₹325 Cr32,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
2%₹324 Cr32,750,000
↑ 5,500,000
Larsen And Toubro Limited
Debentures | -
2%₹302 Cr30,000,000
6.68% Govt Stock 2040
Sovereign Bonds | -
2%₹299 Cr30,800,000
↓ -69,000,000
Grasim Industries Ltd
Debentures | -
2%₹292 Cr30,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹256 Cr25,500,000
↑ 500,000

5. Franklin India Corporate Debt Fund

(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.

Research Highlights for Franklin India Corporate Debt Fund

  • Lower mid AUM (₹1,362 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.91% (upper mid).
  • 1M return: 0.72% (bottom quartile).
  • Sharpe: 0.07 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.91% (upper mid).
  • Modified duration: 1.39 yrs (top quartile).
  • Average maturity: 2.77 yrs (top quartile).
  • Exit load: 0-1 Years (0.5%),1 Years and above(NIL).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~90%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Jamnagar Utilities & Power Private Limited (~6.0%).

Below is the key information for Franklin India Corporate Debt Fund

Franklin India Corporate Debt Fund
Growth
Launch Date 23 Jun 97
NAV (17 Aug 26) ₹106.544 ↑ 0.02   (0.02 %)
Net Assets (Cr) ₹1,362 on 30 Jun 26
Category Debt - Corporate Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.79
Sharpe Ratio 0.07
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 7.91%
Effective Maturity 2 Years 9 Months 7 Days
Modified Duration 1 Year 4 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,263
31 Jul 23₹10,879
31 Jul 24₹11,636
31 Jul 25₹12,811
31 Jul 26₹13,521

Franklin India Corporate Debt 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 Franklin India Corporate Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Aug 26

DurationReturns
1 Month 0.7%
3 Month 2%
6 Month 3%
1 Year 5.9%
3 Year 7.6%
5 Year 6.2%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2025 9.1%
2024 7.6%
2023 6.5%
2022 3.2%
2021 3.8%
2020 9%
2019 9.2%
2018 7.5%
2017 7.7%
2016 9%
Fund Manager information for Franklin India Corporate Debt Fund
NameSinceTenure
Rahul Goswami6 Oct 232.82 Yr.
Anuj Tagra7 Mar 242.4 Yr.
Chandni Gupta7 Mar 242.4 Yr.

Data below for Franklin India Corporate Debt Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash9.26%
Debt90.46%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate71.68%
Government20.62%
Cash Equivalent7.42%
Credit Quality
RatingValue
AA6.86%
AAA93.14%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹81 Cr7,500
Small Industries Development Bank Of India
Debentures | -
6%₹80 Cr7,500
National Bank For Agriculture And Rural Development
Debentures | -
6%₹77 Cr7,500
Poonawalla Fincorp Limited
Debentures | -
5%₹61 Cr5,950
↓ -2,050
Maharashtra SDL
Sovereign Bonds | -
4%₹57 Cr5,500,000
RJ Corp Limited
Debentures | -
4%₹56 Cr5,467
LIC Housing Finance Ltd
Debentures | -
4%₹55 Cr5,500
Summit Digitel Infrastructure Limited
Debentures | -
4%₹51 Cr5,000
Mahindra And Mahindra Financial Services Limited
Debentures | -
4%₹51 Cr5,000
Embassy Office Parks Reit
Debentures | -
4%₹50 Cr5,000

6. ICICI Prudential Gilt Fund

(Erstwhile ICICI Prudential Long Term Gilt Fund)

To generate income through investment in Gilts of various maturities.

Research Highlights for ICICI Prudential Gilt Fund

  • Upper mid AUM (₹8,785 Cr).
  • Established history (27+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.82% (lower mid).
  • 1M return: 1.21% (top quartile).
  • Sharpe: -0.14 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.71% (upper mid).
  • Modified duration: 9.36 yrs (bottom quartile).
  • Average maturity: 21.60 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~89%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.9% Govt Stock 2065 (~15.2%).

Below is the key information for ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund
Growth
Launch Date 19 Aug 99
NAV (17 Aug 26) ₹109.128 ↓ -0.12   (-0.11 %)
Net Assets (Cr) ₹8,785 on 30 Jun 26
Category Debt - Government Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.09
Sharpe Ratio -0.14
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.71%
Effective Maturity 21 Years 7 Months 6 Days
Modified Duration 9 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,279
31 Jul 23₹11,189
31 Jul 24₹12,079
31 Jul 25₹13,180
31 Jul 26₹13,734

ICICI Prudential 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 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 17 Aug 26

DurationReturns
1 Month 1.2%
3 Month 4.1%
6 Month 4.4%
1 Year 5.8%
3 Year 7.4%
5 Year 6.7%
10 Year
15 Year
Since launch 9.3%
Historical performance (Yearly) on absolute basis
YearReturns
2025 6.8%
2024 8.2%
2023 8.3%
2022 3.7%
2021 3.8%
2020 12.6%
2019 10.8%
2018 6.8%
2017 2.1%
2016 18.2%
Fund Manager information for ICICI Prudential Gilt Fund
NameSinceTenure
Manish Banthia22 Jan 242.53 Yr.
Raunak Surana22 Jan 242.53 Yr.

Data below for ICICI Prudential Gilt Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash11.02%
Debt88.98%
Debt Sector Allocation
SectorValue
Government88.98%
Cash Equivalent11.02%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
15%₹1,325 Cr143,466,750
7.34% Govt Stock 2064
Sovereign Bonds | -
9%₹772 Cr79,038,200
7.24% Govt Stock 2055
Sovereign Bonds | -
8%₹674 Cr68,659,160
6.94% Govt Stock 2036
Sovereign Bonds | -
6%₹506 Cr50,000,000
↓ -37,692,100
7.15% Maharashtra Sgs 2049
Sovereign Bonds | -
3%₹283 Cr30,000,000
7.13% Maharashtra Sgs 2048
Sovereign Bonds | -
3%₹275 Cr29,159,500
7.12% Uttarpradesh Sgs 2033
Sovereign Bonds | -
3%₹246 Cr25,000,000
7.16% Maharashtra Sgs 2050
Sovereign Bonds | -
3%₹236 Cr25,000,000
Telangana (Government of)
- | -
2%₹216 Cr21,433,600
7.12% Maharashtra Sgs 2038
Sovereign Bonds | -
2%₹208 Cr21,496,400

7. Franklin India Government Securities Fund

(Erstwhile Franklin India Government Securities Fund - Long Term Plan)

Aims to invest exclusively in government securities of Zero credit or default risk

Research Highlights for Franklin India Government Securities Fund

  • Bottom quartile AUM (₹149 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.76% (lower mid).
  • 1M return: 0.79% (lower mid).
  • Sharpe: -0.26 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.78% (bottom quartile).
  • Modified duration: 2.48 yrs (upper mid).
  • Average maturity: 8.59 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~74%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Maharashtra SDL (~20.7%).
  • Top-3 holdings concentration ~41.7%.

Below is the key information for Franklin India Government Securities Fund

Franklin India Government Securities Fund
Growth
Launch Date 7 Dec 01
NAV (17 Aug 26) ₹61.7008 ↑ 0.06   (0.10 %)
Net Assets (Cr) ₹149 on 30 Jun 26
Category Debt - Government Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 1.14
Sharpe Ratio -0.26
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.78%
Effective Maturity 8 Years 7 Months 2 Days
Modified Duration 2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,265
31 Jul 23₹10,762
31 Jul 24₹11,461
31 Jul 25₹12,306
31 Jul 26₹12,863

Franklin India Government Securities 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 Franklin India Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Aug 26

DurationReturns
1 Month 0.8%
3 Month 2.5%
6 Month 3.4%
1 Year 5.8%
3 Year 6.2%
5 Year 5.2%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 5.5%
2024 7.3%
2023 5.5%
2022 2.5%
2021 2.1%
2020 8.5%
2019 8%
2018 4.3%
2017 0.1%
2016 15.7%
Fund Manager information for Franklin India Government Securities Fund
NameSinceTenure
Rahul Goswami6 Oct 232.82 Yr.
Anuj Tagra7 Mar 242.4 Yr.

Data below for Franklin India Government Securities Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash25.58%
Debt74.42%
Debt Sector Allocation
SectorValue
Government81.12%
Cash Equivalent18.88%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Maharashtra SDL
Sovereign Bonds | -
21%₹31 Cr3,000,000
7.62% Punjab Sgs 2033
Sovereign Bonds | -
11%₹16 Cr1,500,000
7.73% Andhra Sgs 2032
Sovereign Bonds | -
11%₹16 Cr1,500,000
6.9% Govt Stock 2065
Sovereign Bonds | -
10%₹14 Cr1,529,400
↓ -1,000,000
7.86% Haryana Sdl 2032
Sovereign Bonds | -
7%₹10 Cr1,000,000
India (Republic of)
- | -
7%₹10 Cr1,000,000
↑ 1,000,000
Himachal Pradesh (Government of) 7.56%
- | -
4%₹5 Cr550,200
↑ 550,200
7.17% Rajasthan Sdl 2032
Sovereign Bonds | -
3%₹5 Cr500,000
Kerala (Government of) 7.56%
- | -
3%₹5 Cr510,200
↑ 510,200
7.71% Govt Stock 2066
Sovereign Bonds | -
2%₹3 Cr332,200
↓ -1,523,000

8. Kotak Corporate Bond Fund Standard

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.

Research Highlights for Kotak Corporate Bond Fund Standard

  • Top quartile AUM (₹14,997 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.61% (bottom quartile).
  • 1M return: 0.80% (lower mid).
  • Sharpe: -0.10 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.99% (top quartile).
  • Modified duration: 2.58 yrs (upper mid).
  • Average maturity: 4.00 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~3.5%).

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard
Growth
Launch Date 21 Sep 07
NAV (17 Aug 26) ₹4,019.63 ↓ -1.76   (-0.04 %)
Net Assets (Cr) ₹14,997 on 30 Jun 26
Category Debt - Corporate Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.67
Sharpe Ratio -0.1
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.99%
Effective Maturity 4 Years
Modified Duration 2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,302
31 Jul 23₹10,978
31 Jul 24₹11,815
31 Jul 25₹12,900
31 Jul 26₹13,547

Kotak Corporate Bond Fund Standard 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 Kotak Corporate Bond Fund Standard

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Aug 26

DurationReturns
1 Month 0.8%
3 Month 2.5%
6 Month 2.9%
1 Year 5.6%
3 Year 7.4%
5 Year 6.3%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.8%
2024 8.3%
2023 6.9%
2022 3.7%
2021 3.8%
2020 9.7%
2019 9.6%
2018 7.5%
2017 6.9%
2016 9.4%
Fund Manager information for Kotak Corporate Bond Fund Standard
NameSinceTenure
Deepak Agrawal1 Feb 1511.5 Yr.
Manu Sharma1 Nov 223.75 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash2.87%
Debt96.77%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate68.01%
Government28.77%
Cash Equivalent2.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹525 Cr52,500
Karnataka (Government of) 0.0756%
- | -
3%₹461 Cr45,700,000
6.9% Govt Stock 2065
Sovereign Bonds | -
3%₹446 Cr48,300,000
Bajaj Finance Limited
Debentures | -
3%₹435 Cr43,500
Karnataka State Development Loans
Sovereign Bonds | -
3%₹423 Cr42,000,000
Power Finance Corporation Limited
Debentures | -
3%₹400 Cr40,000
Small Industries Development Bank Of India
Debentures | -
2%₹350 Cr35,000
Mahindra And Mahindra Financial Services Limited
Debentures | -
2%₹302 Cr30,000
Knowledge Realty TRust
Debentures | -
2%₹298 Cr30,000
Larsen And Toubro Limited
Debentures | -
2%₹275 Cr2,700

9. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for UTI Gilt Fund

  • Bottom quartile AUM (₹423 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 5.58% (bottom quartile).
  • 1M return: 0.77% (bottom quartile).
  • Sharpe: -0.25 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.40% (bottom quartile).
  • Modified duration: 3.21 yrs (lower mid).
  • Average maturity: 7.97 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~85%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Day Tbill (~38.1%).
  • Top-3 holdings concentration ~66.1%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (17 Aug 26) ₹66.1346 ↓ -0.07   (-0.11 %)
Net Assets (Cr) ₹423 on 30 Jun 26
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio -0.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.4%
Effective Maturity 7 Years 11 Months 19 Days
Modified Duration 3 Years 2 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,156
31 Jul 23₹10,895
31 Jul 24₹11,794
31 Jul 25₹12,701
31 Jul 26₹13,236

UTI 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for UTI 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 17 Aug 26

DurationReturns
1 Month 0.8%
3 Month 2.2%
6 Month 3.7%
1 Year 5.6%
3 Year 6.9%
5 Year 5.8%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 5.1%
2024 8.9%
2023 6.7%
2022 2.9%
2021 2.3%
2020 10.3%
2019 11.8%
2018 6.3%
2017 4.3%
2016 15.5%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Pankaj Pathak8 Apr 251.31 Yr.

Data below for UTI Gilt Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash15.38%
Debt84.62%
Debt Sector Allocation
SectorValue
Government84.62%
Cash Equivalent15.38%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Day Tbill
Sovereign Bonds | -
38%₹161 Cr1,666,050,000
6.9% Govt Stock 2065
Sovereign Bonds | -
13%₹55 Cr600,000,000
6.79% Govt Stock 2027
Sovereign Bonds | -
12%₹50 Cr500,000,000
6.48% Govt Stock 2035
Sovereign Bonds | -
6%₹24 Cr250,000,000
Rajasthan (Government of ) 7.65%
- | -
5%₹23 Cr224,630,000
Chhattisgarh (Government of) 7.37%
- | -
4%₹15 Cr150,000,000
7.18% Tamilnadu SDL 2027
Sovereign Bonds | -
4%₹15 Cr150,000,000
7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -
2%₹9 Cr85,730,000
7.77% Andhra Sdl 2028
Sovereign Bonds | -
1%₹5 Cr50,000,000
Net Current Assets
Net Current Assets | -
15%₹63 Cr

10. Axis Gilt Fund

(Erstwhile Axis Constant Maturity 10 Year Fund)

To generate returns similar to that of 10 year government bonds.

Research Highlights for Axis Gilt Fund

  • Lower mid AUM (₹431 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.51% (bottom quartile).
  • 1M return: 0.67% (bottom quartile).
  • Sharpe: -0.15 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.35% (bottom quartile).
  • Modified duration: 8.40 yrs (bottom quartile).
  • Average maturity: 19.20 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~76%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.71% Govt Stock 2066 (~23.9%).
  • Top-3 holdings concentration ~42.9%.

Below is the key information for Axis Gilt Fund

Axis Gilt Fund
Growth
Launch Date 23 Jan 12
NAV (17 Aug 26) ₹26.85 ↓ -0.05   (-0.17 %)
Net Assets (Cr) ₹431 on 30 Jun 26
Category Debt - Government Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.78
Sharpe Ratio -0.15
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.35%
Effective Maturity 19 Years 2 Months 12 Days
Modified Duration 8 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 21₹10,000
31 Jul 22₹10,224
31 Jul 23₹10,838
31 Jul 24₹11,845
31 Jul 25₹12,812
31 Jul 26₹13,322

Axis 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 Axis 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 17 Aug 26

DurationReturns
1 Month 0.7%
3 Month 3.7%
6 Month 4.2%
1 Year 5.5%
3 Year 7.4%
5 Year 6%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2025 5.2%
2024 10%
2023 7.1%
2022 2.4%
2021 2.4%
2020 13.1%
2019 12%
2018 5.3%
2017 1.4%
2016 13.7%
Fund Manager information for Axis Gilt Fund
NameSinceTenure
Devang Shah5 Nov 1213.74 Yr.
Sachin Jain1 Feb 233.5 Yr.

Data below for Axis Gilt Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Cash23.94%
Debt76.06%
Debt Sector Allocation
SectorValue
Government84.6%
Cash Equivalent15.4%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.71% Govt Stock 2066
Sovereign Bonds | -
24%₹98 Cr9,500,000
↑ 7,500,000
6.94% Govt Stock 2036
Sovereign Bonds | -
11%₹43 Cr4,250,000
↓ -3,000,000
India (Republic of)
- | -
9%₹35 Cr3,500,000
↑ 3,500,000
India (Republic of)
- | -
6%₹25 Cr2,500,000
↑ 2,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
6%₹24 Cr2,494,700
7.09% Govt Stock 2054
Sovereign Bonds | -
6%₹24 Cr2,500,000
State Government Of Bihar
Sovereign Bonds | -
5%₹20 Cr2,000,000
6.9% Govt Stock 2065
Sovereign Bonds | -
5%₹19 Cr2,079,900
↓ -6,000,000
7.49% Haryana Sgs 2035
Sovereign Bonds | -
4%₹15 Cr1,483,000
7.24% Govt Stock 2055
Sovereign Bonds | -
4%₹15 Cr1,500,000
↓ -6,000,000

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