+91-22-48913909ಅತ್ಯುತ್ತಮ ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು 2022
4 ರಿಂದ 7 ವರ್ಷಗಳ ನಡುವೆ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ನೋಡುತ್ತಿದ್ದಾರೆ, ಆದರೆ ಬಯಸುವುದಿಲ್ಲಮಾರುಕಟ್ಟೆ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುವ ಚಂಚಲತೆ? ನಂತರ ನೀವು ನೋಡಬೇಕಾದ ನಿಧಿ ಇಲ್ಲಿದೆ. ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು 4 ರಿಂದ 7 ವರ್ಷಗಳ ನಡುವಿನ ಮೆಕಾಲೆ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಸಾಲ ನಿಧಿಗಳ ವಿಧವಾಗಿದೆ. ಆದ್ದರಿಂದ, ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯವರೆಗೆ ನಿಮ್ಮ ಸಂಪತ್ತಿನಿಂದ ಅತ್ಯುತ್ತಮವಾದ ಆದಾಯವನ್ನು ಗಳಿಸಲು ನೀವು ಬಯಸಿದರೆ, ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು ನಿಮಗೆ ಆದರ್ಶ ನಿಧಿಯಾಗಿರಬಹುದು.
ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳ ಅವಲೋಕನ
ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು ಸಾಲದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ ಮತ್ತುಹಣದ ಮಾರುಕಟ್ಟೆ 4 ರಿಂದ 7 ವರ್ಷಗಳ ನಡುವಿನ ಸರಾಸರಿ ಪಕ್ವತೆಯನ್ನು ಹೊಂದಿರುವ ಉಪಕರಣಗಳು (ಮೆಕಾಲೆ ಅವಧಿ). ಈ ನಿಧಿಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡಬಹುದು, ಆದರೆ ಬಡ್ಡಿದರ ಬದಲಾವಣೆಗಳಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ಷ್ಮವಾಗಿರಬಹುದು. ಬಡ್ಡಿದರವು ಏರಿದಾಗ ಬಾಂಡ್ ಬೆಲೆ ಕಡಿಮೆಯಾಗುತ್ತದೆ ಮತ್ತು ಪ್ರತಿಯಾಗಿ. ಅಂತಹ ಸಾಲ ನಿಧಿಗಳು ಬಡ್ಡಿದರದ ಏರಿಳಿತಗಳಿಗೆ ಒಡ್ಡಿಕೊಳ್ಳುವುದರಿಂದ, ಇದು ಬೆಲೆಗಳನ್ನು ತೊಂದರೆಗೊಳಿಸುತ್ತದೆಆಧಾರವಾಗಿರುವ ಬಾಂಡ್ಗಳು ಫಂಡ್ ಪೋರ್ಟ್ಫೋಲಿಯೊದಲ್ಲಿ.
ಮಧ್ಯಮ ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರು ಕೆಲವು ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಸಹಿಸಿಕೊಳ್ಳಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ, ಏಕೆಂದರೆ ಅಂತಹ ಸಾಲ ನಿಧಿಗಳು ಸಂಪೂರ್ಣವಾಗಿ ಅಪಾಯ-ಮುಕ್ತವಾಗಿರುವುದಿಲ್ಲ. ಸಾಲ ನಿಧಿಗಳು ಕಡಿಮೆ ಅವಧಿ, ಅಲ್ಪಾವಧಿ, ಮಧ್ಯಮ ಅವಧಿ, ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿ ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳಿಂದ ಹಿಡಿದು ವಿವಿಧ ಮೆಚುರಿಟಿ ಯೋಜನೆಗಳ ಆಯ್ಕೆಯನ್ನು ಹೊಂದಿವೆ. ಡೆಟ್ ಫಂಡ್ಗಳಲ್ಲಿ ತಮ್ಮ ಹೂಡಿಕೆಯಿಂದ ಉತ್ತಮವಾದ ಲಾಭವನ್ನು ಪಡೆಯಲು, ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಮುಕ್ತಾಯದ ಅವಧಿಯನ್ನು ಆಧರಿಸಿ ಹೂಡಿಕೆಯನ್ನು ನಿರ್ಧರಿಸುವ ಅಗತ್ಯವಿದೆ. ಹೇಳಿದಂತೆ, ನೀವು ಒಂದು ವರ್ಷದ ಸಮಯದ ಚೌಕಟ್ಟನ್ನು ನೋಡುತ್ತಿದ್ದರೆಹೂಡಿಕೆ ಯೋಜನೆ, ನಂತರ, ಅಲ್ಪಾವಧಿಸಾಲ ನಿಧಿ ಆದರ್ಶಪ್ರಾಯವಾಗಿ ಹೊಂದಿಕೊಳ್ಳಬಹುದು.
ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳಲ್ಲಿ ತೆರಿಗೆ
ಸಾಲ ನಿಧಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ ಪರಿಣಾಮಗಳನ್ನು ಈ ಕೆಳಗಿನ ರೀತಿಯಲ್ಲಿ ಗಣಿಸಲಾಗಿದೆ-
ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು
ಸಾಲ ಹೂಡಿಕೆಯ ಹಿಡುವಳಿ ಅವಧಿಯು 36 ತಿಂಗಳುಗಳಿಗಿಂತ ಕಡಿಮೆಯಿದ್ದರೆ, ಅದನ್ನು ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಇವುಗಳನ್ನು ವ್ಯಕ್ತಿಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ನ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.
ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು
ಸಾಲ ಹೂಡಿಕೆಯ ಹಿಡುವಳಿ ಅವಧಿಯು 36 ತಿಂಗಳುಗಳಿಗಿಂತ ಹೆಚ್ಚಿದ್ದರೆ, ಅದನ್ನು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಸೂಚ್ಯಂಕ ಪ್ರಯೋಜನದೊಂದಿಗೆ 20% ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.
| ಬಂಡವಾಳ ಲಾಭಗಳು | ಹೂಡಿಕೆ ಹಿಡುವಳಿ ಲಾಭಗಳು | ತೆರಿಗೆ |
|---|---|---|
| ಅಲ್ಪಾವಧಿಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ | 36 ತಿಂಗಳಿಗಿಂತ ಕಡಿಮೆ | ವ್ಯಕ್ತಿಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ ಪ್ರಕಾರ |
| ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು | 36 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚು | 20% ಸೂಚ್ಯಂಕ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ |
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ಟಾಪ್ 11 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು FY 22 - 23
Fund 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Bond Fund Growth 0.9 1 3.1 7 6.7 7.73% 5Y 9M 25D 14Y 11M 26D SBI Magnum Income Fund Growth 1.2 1 2.9 6.5 5.9 7.99% 4Y 4M 10D 7Y 3M 11D LIC MF Bond Fund Growth 1.1 1.1 2.7 6.6 6.1 7.37% 5Y 4M 13D 10Y 8M 19D UTI Bond Fund Growth 1 0.6 2.1 6.1 5.6 7.55% 5Y 9M 9Y 11M 16D Kotak Bond Fund Growth 0.8 0.5 2.1 6.2 5.4 7.69% 5Y 10M 28D 11Y 5M 19D HDFC Income Fund Growth 1 0.7 1.9 6.3 5.5 7.48% 6Y 3M 4D 12Y 5M 26D Nippon India Income Fund Growth 0.9 0.6 1.8 6 4.9 7.19% 6Y 7M 10D 13Y 4M 6D Aditya Birla Sun Life Income Fund Growth 0.8 0.2 1.8 6 5.1 7.71% 6Y 7M 28D 15Y 10M 20D Canara Robeco Income Fund Growth 0.7 0.4 1.4 5.2 4.3 6.95% 4Y 1M 26D 10Y 1M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Apr 26 Research Highlights & Commentary of 9 Funds showcased
Commentary ICICI Prudential Bond Fund SBI Magnum Income Fund LIC MF Bond Fund UTI Bond Fund Kotak Bond Fund HDFC Income Fund Nippon India Income Fund Aditya Birla Sun Life Income Fund Canara Robeco Income Fund Point 1 Highest AUM (₹2,698 Cr). Top quartile AUM (₹2,034 Cr). Bottom quartile AUM (₹189 Cr). Bottom quartile AUM (₹300 Cr). Upper mid AUM (₹1,878 Cr). Lower mid AUM (₹820 Cr). Lower mid AUM (₹368 Cr). Upper mid AUM (₹1,792 Cr). Bottom quartile AUM (₹113 Cr). Point 2 Established history (17+ yrs). Established history (27+ yrs). Established history (26+ yrs). Established history (27+ yrs). Established history (26+ yrs). Established history (25+ yrs). Established history (28+ yrs). Oldest track record among peers (30 yrs). Established history (23+ yrs). Point 3 Rating: 3★ (upper mid). Top rated. Not Rated. Rating: 4★ (top quartile). Rating: 2★ (lower mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Not Rated. Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 3.13% (top quartile). 1Y return: 2.89% (top quartile). 1Y return: 2.71% (upper mid). 1Y return: 2.14% (upper mid). 1Y return: 2.10% (lower mid). 1Y return: 1.91% (lower mid). 1Y return: 1.81% (bottom quartile). 1Y return: 1.79% (bottom quartile). 1Y return: 1.44% (bottom quartile). Point 6 1M return: 0.29% (lower mid). 1M return: 0.51% (top quartile). 1M return: 0.36% (upper mid). 1M return: 0.27% (lower mid). 1M return: 0.47% (top quartile). 1M return: 0.22% (bottom quartile). 1M return: 0.21% (bottom quartile). 1M return: 0.36% (upper mid). 1M return: -0.09% (bottom quartile). Point 7 Sharpe: -0.78 (top quartile). Sharpe: -0.91 (upper mid). Sharpe: -0.82 (top quartile). Sharpe: -1.00 (upper mid). Sharpe: -1.05 (lower mid). Sharpe: -1.06 (lower mid). Sharpe: -1.28 (bottom quartile). Sharpe: -1.26 (bottom quartile). Sharpe: -1.58 (bottom quartile). Point 8 Information 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 (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 9 Yield to maturity (debt): 7.73% (top quartile). Yield to maturity (debt): 7.99% (top quartile). Yield to maturity (debt): 7.37% (bottom quartile). Yield to maturity (debt): 7.55% (lower mid). Yield to maturity (debt): 7.69% (upper mid). Yield to maturity (debt): 7.48% (lower mid). Yield to maturity (debt): 7.19% (bottom quartile). Yield to maturity (debt): 7.71% (upper mid). Yield to maturity (debt): 6.95% (bottom quartile). Point 10 Modified duration: 5.82 yrs (lower mid). Modified duration: 4.36 yrs (top quartile). Modified duration: 5.37 yrs (upper mid). Modified duration: 5.75 yrs (upper mid). Modified duration: 5.91 yrs (lower mid). Modified duration: 6.26 yrs (bottom quartile). Modified duration: 6.61 yrs (bottom quartile). Modified duration: 6.66 yrs (bottom quartile). Modified duration: 4.15 yrs (top quartile). ICICI Prudential Bond Fund
SBI Magnum Income Fund
LIC MF Bond Fund
UTI Bond Fund
Kotak Bond Fund
HDFC Income Fund
Nippon India Income Fund
Aditya Birla Sun Life Income Fund
Canara Robeco Income Fund
(Erstwhile ICICI Prudential Income Opportunities Fund) ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities Below is the key information for ICICI Prudential Bond Fund Returns up to 1 year are on To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities. Research Highlights for SBI Magnum Income Fund Below is the key information for SBI Magnum Income Fund Returns up to 1 year are on LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised. Research Highlights for LIC MF Bond Fund Below is the key information for LIC MF Bond Fund Returns up to 1 year are on (Erstwhile UTI - Bond Fund) The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits. Research Highlights for UTI Bond Fund Below is the key information for UTI Bond Fund Returns up to 1 year are on (Erstwhile Kotak Bond Regular Plan Growth) To create a portfolio of debt and money market instruments of different maturities
so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized Research Highlights for Kotak Bond Fund Below is the key information for Kotak Bond Fund Returns up to 1 year are on Aims to optimise returns while maintaining a balance of safety, yield and liquidity. Research Highlights for HDFC Income Fund Below is the key information for HDFC Income Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Income Fund Below is the key information for Nippon India Income Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Income Plus) An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio. Research Highlights for Aditya Birla Sun Life Income Fund Below is the key information for Aditya Birla Sun Life Income Fund Returns up to 1 year are on (Erstwhile Canara Robeco Income) To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for Canara Robeco Income Fund Below is the key information for Canara Robeco Income Fund Returns up to 1 year are on 1. ICICI Prudential Bond Fund
ICICI Prudential Bond Fund
Growth Launch Date 18 Aug 08 NAV (20 Apr 26) ₹41.2307 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹2,698 on 31 Mar 26 Category Debt - Medium to Long term AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.03 Sharpe Ratio -0.78 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-6 Months (1%),6 Months and above(NIL) Yield to Maturity 7.73% Effective Maturity 14 Years 11 Months 26 Days Modified Duration 5 Years 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,331 31 Mar 23 ₹10,822 31 Mar 24 ₹11,739 31 Mar 25 ₹12,791 31 Mar 26 ₹13,209 Returns for ICICI Prudential Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.3% 3 Month 0.9% 6 Month 1% 1 Year 3.1% 3 Year 7% 5 Year 5.9% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 8.6% 2023 7.7% 2022 3.1% 2021 2.9% 2020 11.5% 2019 10.9% 2018 4.6% 2017 5.3% 2016 11.3% Fund Manager information for ICICI Prudential Bond Fund
Name Since Tenure Darshil Dedhia 22 Jan 24 2.19 Yr. Rohit Lakhotia 12 Jun 23 2.81 Yr. Data below for ICICI Prudential Bond Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 31.13% Debt 68.54% Other 0.33% Debt Sector Allocation
Sector Value Government 48.59% Corporate 28.67% Cash Equivalent 22.41% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -14% ₹372 Cr 39,206,000 6.9% Govt Stock 2065
Sovereign Bonds | -9% ₹246 Cr 27,683,250
↓ -416,750 Summit Digitel Infrastructure Limited
Debentures | -4% ₹117 Cr 11,650 HDFC Bank Limited
Debentures | -4% ₹106 Cr 1,100 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹93 Cr 2,000
↑ 2,000 Pipeline Infrastructure Limited
Debentures | -3% ₹75 Cr 7,400 7.15% Maharashtra Sgs 2049
Sovereign Bonds | -3% ₹69 Cr 7,500,000 7.16% Maharashtra Sgs 2050
Sovereign Bonds | -3% ₹69 Cr 7,500,000 7.13% Maharashtra Sgs 2048
Sovereign Bonds | -2% ₹67 Cr 7,289,900 National Bank For Agriculture And Rural Development
Debentures | -2% ₹60 Cr 6,000 2. SBI Magnum Income Fund
SBI Magnum Income Fund
Growth Launch Date 25 Nov 98 NAV (20 Apr 26) ₹72.3337 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹2,034 on 31 Mar 26 Category Debt - Medium to Long term AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio -0.91 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.99% Effective Maturity 7 Years 3 Months 11 Days Modified Duration 4 Years 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,404 31 Mar 23 ₹10,867 31 Mar 24 ₹11,716 31 Mar 25 ₹12,672 31 Mar 26 ₹13,052 Returns for SBI Magnum Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.2% 6 Month 1% 1 Year 2.9% 3 Year 6.5% 5 Year 5.6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.9% 2024 8.1% 2023 7.2% 2022 3% 2021 3.6% 2020 11.6% 2019 11.7% 2018 4.7% 2017 5.7% 2016 13.4% Fund Manager information for SBI Magnum Income Fund
Name Since Tenure Mohit Jain 1 Jul 25 0.75 Yr. Data below for SBI Magnum Income Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 5.08% Equity 0.28% Debt 94.34% Other 0.3% Debt Sector Allocation
Sector Value Corporate 58.95% Government 37.81% Cash Equivalent 2.66% Credit Quality
Rating Value AA 40.02% AAA 59.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -14% ₹289 Cr 30,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -9% ₹188 Cr 20,000,000
↓ -5,000,000 6.75% Govt Stock 2033
Sovereign Bonds | -5% ₹104 Cr 10,000,000
↑ 10,000,000 6.9% Bihar Sgs 2035
Sovereign Bonds | -5% ₹94 Cr 10,000,000 6.68% Govt Stock 2040
Sovereign Bonds | -5% ₹93 Cr 10,000,000
↓ -10,000,000 Torrent Power Limited
Debentures | -4% ₹77 Cr 7,500 Jsw Kalinga Steel Limited
Debentures | -4% ₹75 Cr 7,500
↑ 7,500 Bharti Telecom Limited
Debentures | -4% ₹74 Cr 7,500 Adani Power Limited
Debentures | -3% ₹70 Cr 7,000 Indostar Capital Finance Limited
Debentures | -3% ₹70 Cr 7,000 3. LIC MF Bond Fund
LIC MF Bond Fund
Growth Launch Date 15 Sep 99 NAV (20 Apr 26) ₹74.0159 ↑ 0.07 (0.10 %) Net Assets (Cr) ₹189 on 31 Mar 26 Category Debt - Medium to Long term AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk Moderate Expense Ratio 1.1 Sharpe Ratio -0.82 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 7.37% Effective Maturity 10 Years 8 Months 19 Days Modified Duration 5 Years 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,236 31 Mar 23 ₹10,670 31 Mar 24 ₹11,493 31 Mar 25 ₹12,503 31 Mar 26 ₹12,875 Returns for LIC MF Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.4% 3 Month 1.1% 6 Month 1.1% 1 Year 2.7% 3 Year 6.6% 5 Year 5.4% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.1% 2024 9% 2023 6.5% 2022 2.8% 2021 1.3% 2020 8.8% 2019 9.7% 2018 4.9% 2017 2.2% 2016 12.3% Fund Manager information for LIC MF Bond Fund
Name Since Tenure Rahul Singh 1 Oct 25 0.5 Yr. Pratik Shroff 26 Sep 23 2.51 Yr. Data below for LIC MF Bond Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 12.41% Debt 87.28% Other 0.31% Debt Sector Allocation
Sector Value Government 71.16% Corporate 23.64% Cash Equivalent 4.88% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.77% Gujarat Sdl 2031
Sovereign Bonds | -14% ₹26 Cr 2,500,000 6.48% Gs 2035
Sovereign Bonds | -13% ₹25 Cr 2,500,000 6.90% Gs 2065
Sovereign Bonds | -12% ₹23 Cr 2,500,000 7.30% Gs 2053
Sovereign Bonds | -10% ₹19 Cr 2,000,000 National Bank For Agriculture And Rural Development
Debentures | -8% ₹15 Cr 1,500 Small Industries Development Bank Of India
Debentures | -5% ₹10 Cr 1,000
↑ 1,000 Power Finance Corporation Limited
Debentures | -5% ₹10 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -5% ₹10 Cr 1,000 Indian Railway Finance Corporation Limited
Debentures | -4% ₹8 Cr 1,500 7.10% Gs 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 4. UTI Bond Fund
UTI Bond Fund
Growth Launch Date 4 May 98 NAV (20 Apr 26) ₹74.6676 ↑ 0.07 (0.10 %) Net Assets (Cr) ₹300 on 31 Mar 26 Category Debt - Medium to Long term AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.62 Sharpe Ratio -1 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 9 Years 11 Months 16 Days Modified Duration 5 Years 9 Months Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,982 31 Mar 23 ₹12,296 31 Mar 24 ₹13,189 31 Mar 25 ₹14,300 31 Mar 26 ₹14,652 Returns for UTI Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.3% 3 Month 1% 6 Month 0.6% 1 Year 2.1% 3 Year 6.1% 5 Year 8.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.6% 2024 8.5% 2023 6.4% 2022 9.9% 2021 9.4% 2020 1.1% 2019 -5.8% 2018 4% 2017 3.6% 2016 13.9% Fund Manager information for UTI Bond Fund
Name Since Tenure Amit Sharma 3 Nov 25 0.41 Yr. Data below for UTI Bond Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 2.93% Debt 96.75% Other 0.32% Debt Sector Allocation
Sector Value Corporate 53.78% Government 42.97% Cash Equivalent 2.93% Credit Quality
Rating Value AA 23.56% AAA 76.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -8% ₹25 Cr 250 7.08% Andhra Sgs 2037
Sovereign Bonds | -8% ₹24 Cr 250,000,000 HDFC Bank Ltd.
Debentures | -8% ₹23 Cr 250,000,000
↑ 250,000,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -7% ₹20 Cr 20 West Bengal (Government of) 7.74%
- | -6% ₹19 Cr 194,180,000 Muthoot Finance Limited
Debentures | -6% ₹18 Cr 1,800 Piramal Finance Limited
Debentures | -5% ₹15 Cr 1,500 Aditya Birla Renewables Limited
Debentures | -5% ₹15 Cr 1,500 Torrent Pharmaceuticals Limited
Debentures | -5% ₹15 Cr 1,500 7.65% Rajasthan Sgs 2040
Sovereign Bonds | -5% ₹15 Cr 150,000,000
↑ 150,000,000 5. Kotak Bond Fund
Kotak Bond Fund
Growth Launch Date 25 Nov 99 NAV (20 Apr 26) ₹78.0374 ↑ 0.09 (0.11 %) Net Assets (Cr) ₹1,878 on 31 Mar 26 Category Debt - Medium to Long term AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆ Risk Moderate Expense Ratio 1.65 Sharpe Ratio -1.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-3 Months (0.2%),3 Months and above(NIL) Yield to Maturity 7.69% Effective Maturity 11 Years 5 Months 19 Days Modified Duration 5 Years 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,428 31 Mar 23 ₹10,749 31 Mar 24 ₹11,578 31 Mar 25 ₹12,508 31 Mar 26 ₹12,758 Returns for Kotak Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.5% 3 Month 0.8% 6 Month 0.5% 1 Year 2.1% 3 Year 6.2% 5 Year 5.2% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.4% 2024 8.2% 2023 6.8% 2022 1.7% 2021 2.4% 2020 12.3% 2019 10.3% 2018 5.2% 2017 0.9% 2016 14.3% Fund Manager information for Kotak Bond Fund
Name Since Tenure Abhishek Bisen 15 Apr 08 17.97 Yr. Data below for Kotak Bond Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 11.61% Equity 4.23% Debt 83.44% Other 0.71% Debt Sector Allocation
Sector Value Government 65.86% Corporate 27.62% Cash Equivalent 1.57% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -8% ₹142 Cr 16,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -7% ₹137 Cr 14,500,000 National Housing Bank
Debentures | -7% ₹135 Cr 14,000 Tamil Nadu (Government of) 0.0712%
- | -7% ₹123 Cr 12,500,000 6.98% Gujarat Sgs 2032
Sovereign Bonds | -5% ₹93 Cr 9,521,820 7.09% Govt Stock 2054
Sovereign Bonds | -5% ₹92 Cr 10,000,000 7.39% Tamilnadu Sgs 2034
Sovereign Bonds | -4% ₹84 Cr 8,500,000 7.45% Bihar Sgs 2034
Sovereign Bonds | -4% ₹79 Cr 8,000,000 7.52% Bihar Sgs 2036
Sovereign Bonds | -4% ₹78 Cr 8,000,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -4% ₹74 Cr 75 6. HDFC Income Fund
HDFC Income Fund
Growth Launch Date 11 Sep 00 NAV (20 Apr 26) ₹59.1701 ↑ 0.05 (0.09 %) Net Assets (Cr) ₹820 on 31 Mar 26 Category Debt - Medium to Long term AMC HDFC Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio -1.06 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Months (0.25%),1 Months and above(NIL) Yield to Maturity 7.48% Effective Maturity 12 Years 5 Months 26 Days Modified Duration 6 Years 3 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,279 31 Mar 23 ₹10,536 31 Mar 24 ₹11,353 31 Mar 25 ₹12,320 31 Mar 26 ₹12,537 Returns for HDFC Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.2% 3 Month 1% 6 Month 0.7% 1 Year 1.9% 3 Year 6.3% 5 Year 4.9% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.5% 2024 9% 2023 6.1% 2022 0.9% 2021 2.1% 2020 9.3% 2019 8.7% 2018 3.6% 2017 1.3% 2016 14.5% Fund Manager information for HDFC Income Fund
Name Since Tenure Anupam Joshi 7 Mar 26 0.07 Yr. Dhruv Muchhal 22 Jun 23 2.78 Yr. Data below for HDFC Income Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 16.69% Equity 0.52% Debt 82.48% Other 0.31% Debt Sector Allocation
Sector Value Government 68.93% Cash Equivalent 16.69% Corporate 13.54% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Gs 2040
Sovereign Bonds | -21% ₹183 Cr 19,030,000 7.18% Gs 2037
Sovereign Bonds | -11% ₹92 Cr 9,000,000 7.24% Gs 2055
Sovereign Bonds | -7% ₹58 Cr 6,000,000 7.23% Gs 2039
Sovereign Bonds | -5% ₹41 Cr 4,000,000 Ntpc Limited
Debentures | -3% ₹26 Cr 250 Goi Floating Rate Bond 2031
Sovereign Bonds | -3% ₹26 Cr 2,500,000 Goi Frb 2034
Sovereign Bonds | -3% ₹26 Cr 2,500,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹25 Cr 25 Bajaj Housing Finance Limited
Debentures | -3% ₹25 Cr 250 6.98% Gujarat Sgs 2032
Sovereign Bonds | -3% ₹25 Cr 2,500,000 7. Nippon India Income Fund
Nippon India Income Fund
Growth Launch Date 1 Jan 98 NAV (20 Apr 26) ₹90.9607 ↑ 0.08 (0.09 %) Net Assets (Cr) ₹368 on 31 Mar 26 Category Debt - Medium to Long term AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.51 Sharpe Ratio -1.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.19% Effective Maturity 13 Years 4 Months 6 Days Modified Duration 6 Years 7 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,275 31 Mar 23 ₹10,780 31 Mar 24 ₹11,618 31 Mar 25 ₹12,582 31 Mar 26 ₹12,777 Returns for Nippon India Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.2% 3 Month 0.9% 6 Month 0.6% 1 Year 1.8% 3 Year 6% 5 Year 5.2% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.9% 2024 8.1% 2023 6.8% 2022 3.3% 2021 1.2% 2020 10.5% 2019 11.4% 2018 6.1% 2017 2.4% 2016 13.8% Fund Manager information for Nippon India Income Fund
Name Since Tenure Vivek Sharma 1 Feb 20 6.16 Yr. Kinjal Desai 25 May 18 7.85 Yr. Amber Singhania 11 Mar 26 0.05 Yr. Data below for Nippon India Income Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 3.44% Debt 96.22% Other 0.33% Debt Sector Allocation
Sector Value Government 94.9% Cash Equivalent 3.44% Corporate 1.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Andhra Pradesh (Government of) 7.99%
- | -14% ₹50 Cr 5,000,000
↑ 5,000,000 Maharashtra State Development Loans
Sovereign Bonds | -13% ₹49 Cr 5,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -9% ₹32 Cr 3,500,000 7.03% Tamilnadu SDL 2030
Sovereign Bonds | -8% ₹30 Cr 3,000,000 7.6% Uttarpradesh Sgs 2037
Sovereign Bonds | -8% ₹30 Cr 3,000,000 Indian Railway Finance Corporation Limited
Debentures | -7% ₹26 Cr 5,000 7.93% Uttarpradesh Sdl 2030
Sovereign Bonds | -7% ₹26 Cr 2,500,000 National Bank For Agriculture And Rural Development
Debentures | -7% ₹25 Cr 2,500 6.68% Govt Stock 2040
Sovereign Bonds | -6% ₹23 Cr 2,500,000
↑ 2,500,000 6.79% Andhra Sgs 2036
Sovereign Bonds | -6% ₹23 Cr 2,500,000 8. Aditya Birla Sun Life Income Fund
Aditya Birla Sun Life Income Fund
Growth Launch Date 21 Oct 95 NAV (20 Apr 26) ₹127.237 ↑ 0.07 (0.05 %) Net Assets (Cr) ₹1,792 on 31 Mar 26 Category Debt - Medium to Long term AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.03 Sharpe Ratio -1.26 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.71% Effective Maturity 15 Years 10 Months 20 Days Modified Duration 6 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,549 31 Mar 23 ₹10,872 31 Mar 24 ₹11,674 31 Mar 25 ₹12,677 31 Mar 26 ₹12,860 Returns for Aditya Birla Sun Life Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month 0.4% 3 Month 0.8% 6 Month 0.2% 1 Year 1.8% 3 Year 6% 5 Year 5.4% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.1% 2024 8.4% 2023 6.6% 2022 2.4% 2021 4% 2020 12.8% 2019 9.5% 2018 5.1% 2017 2.8% 2016 14.4% Fund Manager information for Aditya Birla Sun Life Income Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 5.65 Yr. Data below for Aditya Birla Sun Life Income Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 5.41% Debt 94.23% Other 0.36% Debt Sector Allocation
Sector Value Government 70.02% Corporate 24.2% Cash Equivalent 5.41% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -21% ₹368 Cr 38,819,900
↑ 3,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -8% ₹147 Cr 15,656,100
↑ 2,000,000 Tata Capital Housing Finance Limited
Debentures | -4% ₹73 Cr 7,500 Housing And Urban Development Corporation Limited
Debentures | -4% ₹72 Cr 7,500 7.44% Karnataka Sgs 2033
Sovereign Bonds | -3% ₹54 Cr 5,446,300
↑ 5,446,300 Tata Capital Housing Finance Limited
Debentures | -3% ₹50 Cr 5,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹50 Cr 5,000 7.36% Karnataka Sgs 2034
Sovereign Bonds | -3% ₹49 Cr 5,000,000
↑ 5,000,000 Power Grid Corporation Of India Limited
Debentures | -3% ₹48 Cr 5,000 6.84% Andhra Sgs 2038
Sovereign Bonds | -3% ₹46 Cr 5,000,000 9. Canara Robeco Income Fund
Canara Robeco Income Fund
Growth Launch Date 19 Sep 02 NAV (20 Apr 26) ₹56.0382 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹113 on 31 Mar 26 Category Debt - Medium to Long term AMC Canara Robeco Asset Management Co. Ltd. Rating Risk Moderate Expense Ratio 1.85 Sharpe Ratio -1.58 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.95% Effective Maturity 10 Years 1 Month 4 Days Modified Duration 4 Years 1 Month 26 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,266 31 Mar 23 ₹10,575 31 Mar 24 ₹11,255 31 Mar 25 ₹12,112 31 Mar 26 ₹12,310 Returns for Canara Robeco Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Apr 26 Duration Returns 1 Month -0.1% 3 Month 0.7% 6 Month 0.4% 1 Year 1.4% 3 Year 5.2% 5 Year 4.3% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.3% 2024 7.6% 2023 5.6% 2022 1.6% 2021 1.9% 2020 10.1% 2019 10.3% 2018 5.2% 2017 3.5% 2016 12.7% Fund Manager information for Canara Robeco Income Fund
Name Since Tenure Avnish Jain 25 Jun 14 11.77 Yr. Kunal Jain 18 Jul 22 3.7 Yr. Data below for Canara Robeco Income Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 4.42% Debt 95.26% Other 0.32% Debt Sector Allocation
Sector Value Government 95.26% Cash Equivalent 4.42% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.54% Govt Stock 2034
Sovereign Bonds | -14% ₹15 Cr 1,500,000 6.48% Govt Stock 2035
Sovereign Bonds | -11% ₹12 Cr 1,250,000
↑ 500,000 6.75% Govt Stock 2033
Sovereign Bonds | -9% ₹10 Cr 1,000,000 7.18% Maharashtra Sdl 2029
Sovereign Bonds | -9% ₹10 Cr 1,000,000 7.02% Kerala SDL 2028
Sovereign Bonds | -9% ₹10 Cr 1,000,000 6.68% Govt Stock 2033
Sovereign Bonds | -9% ₹10 Cr 1,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -8% ₹9 Cr 1,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -8% ₹9 Cr 1,000,000 8.34% Uttarpradesh Sdl 2029
Sovereign Bonds | -5% ₹5 Cr 500,000 8.15% Rajasthan Sdl 2029
Sovereign Bonds | -5% ₹5 Cr 500,000
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Research Highlights for ICICI Prudential Bond Fund