आपके एकमुश्त निवेश के लिए ऋण म्युचुअल फंड

Updated on October 31, 2025 , 2407 views

आमतौर पर, जब कोई चाहता हैम्युचुअल फंड में निवेश, वे भ्रमित हैं कि क्या उन्हें एक लेना चाहिएसिप मार्ग या एकमुश्त। आइए इसे आपके लिए आसान बनाएं! जो निवेशक डेट फंड में निवेश करने की योजना बना रहे हैं, उन्हें आदर्श रूप से एकमुश्त भुगतान मोड चुनना चाहिए, जो कि निवेश का एकमुश्त तरीका है। आसान के साथ छोटी अवधि के लिए निवेश करना हमेशा बुद्धिमानी हैलिक्विडिटी.

डेट म्यूचुअल फंड निवेश के लिए एकमुश्त राशि क्यों?

एकमुश्त निवेश के लिए, डेट फंड की तुलना में एक बेहतर विकल्प हैइक्विटी म्यूचुअल फंड. एकमुश्त मार्ग ब्याज दर में बदलाव के जोखिम को कम करता है और साथ ही सावधि जमा (एफडी) की तुलना में बेहतर रिटर्न देता है। आदर्श रूप से, जब आप एकमुश्त मार्ग से डेट फंड में निवेश करते हैं, तो यह दो मुद्दों को हल करता है- एक है कर लाभ और दूसरा है पुनर्निवेश जोखिम।

बढ़ती ब्याज दरों के दौरान, उच्च गुणवत्ता वाले पोर्टफोलियो के साथ डेट ओरिएंटेड फंडों में एकमुश्त रास्ता अपनाने का यह एक अच्छा समय है।बांड. ये फंड आमतौर पर उन लोगों के लिए उपयुक्त होते हैं जिनके पास बेकार की बचत होती है और वे इष्टतम रिटर्न के लिए निवेश करना चाहते हैं। किसी भी संख्या में एकमुश्त भुगतान a . में किया जा सकता हैम्यूचुअल फंड.

व्यवस्थित की तुलना में एकमुश्त निवेश अच्छा काम करता हैनिवेश योजना- केवल अगर के दौरान निवेश किया गया होमंडी मंदी या कम मूल्यांकन पर। हालांकि, एकमुश्तनिवेश जब बाजार का मूल्यांकन बढ़ा हो या जब आपके निवेश के शुरुआती चरण में बाजार तेजी से सही हो जाए तो यह काम नहीं कर सकता है।

डेट फंड में निवेश कैसे करें: मूल्यांकन करें

फंड रिटर्न- खाने का ट्रैक रिकॉर्ड अच्छा होना चाहिए। ऐसे फंड हाउस का चुनाव करें, जिसका लगातार प्रदर्शन देने का मजबूत इतिहास हो। फंड के पिछले 1, 3 और 5 साल के रिटर्न की जांच करें और देखें कि यह अपने बेंचमार्क को मात देने में सक्षम है या नहीं।

मैच समय क्षितिज- डेट फंड अपनी संबंधित परिपक्वता अवधि के साथ निवेश के विविध विकल्प प्रदान करते हैं। निवेशकों को अपनी परिपक्वता अवधि के आधार पर निवेश तय करने की जरूरत है, जबकि वे अन्य के साथ तुलना भी कर सकते हैंडेट फंड उपकरणों और उनकी योजना के लिए सबसे उपयुक्त एक का चयन करें। उदाहरण के लिए, यदि आप एक साल की निवेश योजना की समय सीमा देख रहे हैं, तो एक शॉर्ट टर्म डेट फंड आदर्श रूप से उपयुक्त हो सकता है।

खर्चे की दर- एक महत्वपूर्णफ़ैक्टर डेट फंड में विचार किया जाना इसका व्यय अनुपात है। उच्च व्यय अनुपात फंड के प्रदर्शन पर बड़ा प्रभाव डालता है। उदाहरण के लिए,लिक्विड फंड सबसे कम व्यय अनुपात है जो 50 बीपीएस तक है (बीपीएस ब्याज दरों को मापने के लिए एक इकाई है जिसमें एक बीपीएस 1% के 1/100 वें के बराबर है) जबकि, अन्य डेट फंड 150 बीपीएस तक चार्ज कर सकते हैं। इसलिए एक डेट म्यूचुअल फंड के बीच चयन करने के लिए, इस पर विचार करना महत्वपूर्ण हैप्रबंधन शुल्क या फंड चलाने का खर्च।

शीर्ष 10 सर्वश्रेष्ठ एकमुश्त ऋण म्युचुअल फंड 2022 - 2023

नीचे से शीर्ष रैंक वाले फंड हैंकर्ज श्रेणियाँ मुख्य रूप से धन होनेएयूएम> 2000 करोड़ और अल्ट्रा-शॉर्ट, कॉरपोरेट बॉन्ड, क्रेडिट रिस्क, लो ड्यूरेशन सब कैटेगरी में हैं।

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.199 ↑ 0.09	₹28,109	1,000	1.1	2.6	7.8	7.9	8.5	7.21%	4Y 8M 8D	7Y 3M
HDFC Corporate Bond Fund Growth	₹33.234 ↑ 0.02	₹35,700	5,000	1.1	2.8	7.8	7.9	8.6	7.06%	4Y 2M 1D	4Y 4M 28D
Aditya Birla Sun Life Savings Fund Growth	₹560.831 ↑ 0.11	₹21,521	1,000	1.5	3.5	7.7	7.5	7.9	6.76%	5M 8D	6M 11D
Nippon India Prime Debt Fund Growth	₹61.3747 ↑ 0.04	₹10,042	1,000	1.2	3	8.4	8.1	8.4	6.81%	3Y 6M 7D	4Y 7M 20D
ICICI Prudential Corporate Bond Fund Growth	₹30.5521 ↑ 0.01	₹33,574	5,000	1.5	3.3	8.3	7.9	8	7%	3Y 18D	5Y 9M 18D
Kotak Corporate Bond Fund Standard Growth	₹3,861.8 ↑ 1.38	₹17,612	5,000	1.3	3.2	8.3	7.8	8.3	7.01%	3Y 3M	5Y 1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	Aditya Birla Sun Life Savings Fund	Nippon India Prime Debt Fund	ICICI Prudential Corporate Bond Fund	Kotak Corporate Bond Fund Standard
Point 1	Upper mid AUM (₹28,109 Cr).	Highest AUM (₹35,700 Cr).	Lower mid AUM (₹21,521 Cr).	Bottom quartile AUM (₹10,042 Cr).	Upper mid AUM (₹33,574 Cr).	Bottom quartile AUM (₹17,612 Cr).
Point 2	Oldest track record among peers (28 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.81% (lower mid).	1Y return: 7.80% (bottom quartile).	1Y return: 7.69% (bottom quartile).	1Y return: 8.35% (top quartile).	1Y return: 8.29% (upper mid).	1Y return: 8.25% (upper mid).
Point 6	1M return: 0.81% (top quartile).	1M return: 0.79% (upper mid).	1M return: 0.57% (bottom quartile).	1M return: 0.79% (lower mid).	1M return: 0.81% (upper mid).	1M return: 0.79% (bottom quartile).
Point 7	Sharpe: 0.66 (bottom quartile).	Sharpe: 0.68 (bottom quartile).	Sharpe: 3.66 (top quartile).	Sharpe: 1.00 (lower mid).	Sharpe: 1.36 (upper mid).	Sharpe: 1.05 (upper mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.21% (top quartile).	Yield to maturity (debt): 7.06% (upper mid).	Yield to maturity (debt): 6.76% (bottom quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 7.00% (lower mid).	Yield to maturity (debt): 7.01% (upper mid).
Point 10	Modified duration: 4.69 yrs (bottom quartile).	Modified duration: 4.17 yrs (bottom quartile).	Modified duration: 0.44 yrs (top quartile).	Modified duration: 3.52 yrs (lower mid).	Modified duration: 3.05 yrs (upper mid).	Modified duration: 3.25 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.81% (lower mid).
1M return: 0.81% (top quartile).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 4.69 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.80% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹21,521 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.69% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 0.44 yrs (top quartile).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,042 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.35% (top quartile).
1M return: 0.79% (lower mid).
Sharpe: 1.00 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.52 yrs (lower mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.29% (upper mid).
1M return: 0.81% (upper mid).
Sharpe: 1.36 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 3.05 yrs (upper mid).

Kotak Corporate Bond Fund Standard

Bottom quartile AUM (₹17,612 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.25% (upper mid).
1M return: 0.79% (bottom quartile).
Sharpe: 1.05 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (upper mid).
Modified duration: 3.25 yrs (upper mid).

1. Aditya Birla Sun Life Corporate Bond Fund

(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.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,109 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.81% (lower mid).
1M return: 0.81% (top quartile).
Sharpe: 0.66 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 4.69 yrs (bottom quartile).
Average maturity: 7.25 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~9.0%).

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (31 Oct 25)	₹115.199 ↑ 0.09 (0.08 %)
Net Assets (Cr)	₹28,109 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	7 Years 3 Months
Modified Duration	4 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,476
31 Oct 22	₹10,837
31 Oct 23	₹11,598
31 Oct 24	₹12,632
31 Oct 25	₹13,618

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life 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 31 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.1%
6 Month	2.6%
1 Year	7.8%
3 Year	7.9%
5 Year	6.4%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.47 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	4.87%
Debt	94.87%
Other	0.26%

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	9%	₹2,708 Cr	267,236,200 ↑ 3,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,304 Cr	226,500,000 ↑ 6,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,158 Cr	113,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹823 Cr	83,000,000 ↑ 5,500,000
Small Industries Development Bank Of India Debentures \| -	2%	₹748 Cr	74,550
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹598 Cr	57,661,700 ↑ 2,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹593 Cr	59,000
Rec Limited Debentures \| -	2%	₹585 Cr	60,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹583 Cr	57,000,000 ↑ 500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹566 Cr	55,000

2. HDFC Corporate Bond Fund

(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.

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹35,700 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.80% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 4.17 yrs (bottom quartile).
Average maturity: 4.41 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~5.5%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (31 Oct 25)	₹33.234 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹35,700 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	4 Years 4 Months 28 Days
Modified Duration	4 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,472
31 Oct 22	₹10,748
31 Oct 23	₹11,518
31 Oct 24	₹12,529
31 Oct 25	₹13,506

HDFC Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC 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 31 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.1%
6 Month	2.8%
1 Year	7.8%
3 Year	7.9%
5 Year	6.2%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.6%
2023	7.2%
2022	3.3%
2021	3.9%
2020	11.8%
2019	10.3%
2018	6.5%
2017	6.5%
2016	10.6%
2015	8.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.94 Yr.
Dhruv Muchhal	22 Jun 23	2.28 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.19%
Debt	96.53%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	56.04%
Government	38.54%
Cash Equivalent	3.19%
Securitized	1.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹1,983 Cr	200,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹1,267 Cr	125,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,136 Cr	112,500
6.82% Govt Stock 2033 Sovereign Bonds \| -	3%	₹920 Cr	89,000,000
State Bank Of India Debentures \| -	2%	₹799 Cr	800
6.9% Govt Stock 2065 Sovereign Bonds \| -	2%	₹582 Cr	60,000,000
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹510 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	1%	₹510 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹473 Cr	4,500

3. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹21,521 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.69% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 0.44 yrs (top quartile).
Average maturity: 0.53 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~45%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.8%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (31 Oct 25)	₹560.831 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹21,521 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 25

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3.5%
1 Year	7.7%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.29 Yr.
Kaustubh Gupta	15 Jul 11	14.22 Yr.
Monika Gandhi	22 Mar 21	4.53 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	45.26%
Debt	54.49%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	52.07%
Cash Equivalent	32.08%
Government	15.6%

Credit Quality

Rating	Value
AA	30.39%
AAA	69.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹377 Cr	37,500,000
Mankind Pharma Limited Debentures \| -	2%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	2%	₹343 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹299 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹271 Cr	27,000
Bharti Telecom Limited Debentures \| -	1%	₹260 Cr	2,600

4. Nippon India Prime Debt Fund

(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.

Research Highlights for Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,042 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.35% (top quartile).
1M return: 0.79% (lower mid).
Sharpe: 1.00 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 3.52 yrs (lower mid).
Average maturity: 4.64 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~5.2%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (31 Oct 25)	₹61.3747 ↑ 0.04 (0.07 %)
Net Assets (Cr)	₹10,042 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	4 Years 7 Months 20 Days
Modified Duration	3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,518
31 Oct 22	₹10,908
31 Oct 23	₹11,677
31 Oct 24	₹12,703
31 Oct 25	₹13,763

Nippon India Prime Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Prime 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 31 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.2%
6 Month	3%
1 Year	8.4%
3 Year	8.1%
5 Year	6.6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	7.1%
2022	4.3%
2021	4.7%
2020	9.5%
2019	7.8%
2018	6.9%
2017	6.6%
2016	9.1%
2015	8.7%

Fund Manager information for Nippon India Prime Debt Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.67 Yr.
Kinjal Desai	25 May 18	7.36 Yr.

Data below for Nippon India Prime Debt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.9%
Debt	95.85%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	51.48%
Government	40.57%
Cash Equivalent	3.9%
Securitized	3.81%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹545 Cr	55,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹407 Cr	40,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	2%	₹259 Cr	25,000,000 ↓ -3,500,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹253 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹224 Cr	22,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹211 Cr	20,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹204 Cr	20,000
7.27% State Government Securities Sovereign Bonds \| -	2%	₹202 Cr	20,000,000 ↑ 20,000,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹202 Cr	200
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹202 Cr	200

5. 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

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.29% (upper mid).
1M return: 0.81% (upper mid).
Sharpe: 1.36 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 3.05 yrs (upper mid).
Average maturity: 5.80 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.82% Govt Stock 2033 (~4.7%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund Growth
Launch Date	11 Aug 09
NAV (31 Oct 25)	₹30.5521 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹33,574 on 15 Sep 25
Category	Debt - Corporate Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1.36
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	5 Years 9 Months 18 Days
Modified Duration	3 Years 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,466
31 Oct 22	₹10,881
31 Oct 23	₹11,683
31 Oct 24	₹12,630
31 Oct 25	₹13,678

ICICI Prudential Corporate Bond Fund SIP 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 31 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.5%
6 Month	3.3%
1 Year	8.3%
3 Year	7.9%
5 Year	6.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.8%

Fund Manager information for ICICI Prudential Corporate Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.69 Yr.
Ritesh Lunawat	22 Jan 24	1.69 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	5.42%
Debt	94.31%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	54.15%
Government	34.57%
Securitized	5.73%
Cash Equivalent	5.28%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.82% Govt Stock 2033 Sovereign Bonds \| -	5%	₹1,604 Cr	155,214,860 ↓ -1,062,500
LIC Housing Finance Ltd Debentures \| -	4%	₹1,484 Cr	145,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹1,011 Cr	1,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹961 Cr	950
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹866 Cr	83,594,780
Pipeline Infrastructure Limited Debentures \| -	2%	₹829 Cr	80,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹685 Cr	67,382,410
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹598 Cr	58,412,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹548 Cr	54,000 ↑ 5,000
Rec Limited Debentures \| -	2%	₹529 Cr	52,500

6. 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

Bottom quartile AUM (₹17,612 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.25% (upper mid).
1M return: 0.79% (bottom quartile).
Sharpe: 1.05 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (upper mid).
Modified duration: 3.25 yrs (upper mid).
Average maturity: 5.10 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~8.5%).

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard Growth
Launch Date	21 Sep 07
NAV (31 Oct 25)	₹3,861.8 ↑ 1.38 (0.04 %)
Net Assets (Cr)	₹17,612 on 31 Aug 25
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	1.05
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	5 Years 1 Month 6 Days
Modified Duration	3 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,455
31 Oct 22	₹10,767
31 Oct 23	₹11,479
31 Oct 24	₹12,464
31 Oct 25	₹13,492

Kotak Corporate Bond Fund Standard SIP 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 31 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.3%
6 Month	3.2%
1 Year	8.3%
3 Year	7.8%
5 Year	6.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.8%

Fund Manager information for Kotak Corporate Bond Fund Standard

Name	Since	Tenure
Deepak Agrawal	1 Feb 15	10.67 Yr.
Manu Sharma	1 Nov 22	2.92 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.93%
Debt	96.81%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	59.67%
Government	35.27%
Cash Equivalent	2.93%
Securitized	1.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,582 Cr	151,935,080
7.09% Govt Stock 2054 Sovereign Bonds \| -	4%	₹783 Cr	78,100,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹637 Cr	62,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹594 Cr	58,500
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹499 Cr	49,000,000
Bajaj Finance Limited Debentures \| -	2%	₹445 Cr	43,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	2%	₹411 Cr	41,500,000 ↑ 14,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹357 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹356 Cr	35,000 ↑ 30,000
Power Finance Corporation Limited Debentures \| -	2%	₹356 Cr	35,000

एकमुश्त डेट म्यूचुअल फंड में ऑनलाइन निवेश कैसे करें?

Fincash.com पर आजीवन मुफ्त निवेश खाता खोलें।

अपना पंजीकरण और केवाईसी प्रक्रिया पूरी करें

Upload Documents (PAN, Aadhaar, etc.). और, आप निवेश करने के लिए तैयार हैं!

शुरू हो जाओ

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