Table of Contents

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು (ಸಾಲ ನಿಧಿ) Vs ಸ್ಥಿರ ಠೇವಣಿ (ಎಫ್‌ಡಿ)
ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ
ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಸಾಲ ನಿಧಿಗಳು 2022
Top 8 Funds

FD Vs ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್

Updated on July 27, 2025 , 7913 views

FD ವಿರುದ್ಧಸಾಲ ನಿಧಿ? ಆಲೋಚನೆಎಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ನಿಮ್ಮ ಉಳಿತಾಯ. ಸಾಮಾನ್ಯವಾಗಿ, ಜನರು ಪರಿಗಣಿಸುತ್ತಾರೆಹೂಡಿಕೆ ಸ್ಥಿರ ಠೇವಣಿ ಅಥವಾ ಎಫ್‌ಡಿಯಲ್ಲಿ ಇದು ಅತ್ಯಂತ ಅನುಕೂಲಕರ ಆಯ್ಕೆಯಾಗಿದೆ ಏಕೆಂದರೆ ಅದು ಸುರಕ್ಷಿತವಾಗಿದೆ ಮತ್ತು ಸ್ಥಿರ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ. ಆದರೆ ಇದು ಉತ್ತಮ ಮಾರ್ಗವೇ? ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್ ಎಲ್ಲರಿಗೂ ಸುಲಭವಾದ ಹೂಡಿಕೆಯ ಆಯ್ಕೆಯಾಗಿದ್ದರೂ, ತೆರಿಗೆಗೆ ಒಳಪಡುವ ಸ್ಥಿರ ಠೇವಣಿಗಳ ಆದಾಯವು ಸಾಲ ನಿಧಿಗೆ ಹೋಲಿಸಿದರೆ ತುಂಬಾ ಕಡಿಮೆ. ಇದಲ್ಲದೆ, ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಹಿಡಿದಿಟ್ಟುಕೊಂಡಾಗ, ಸಾಲಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಅಥವಾ ಸ್ಥಿರ ಠೇವಣಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಅಂತಿಮ ನಿರ್ಧಾರವನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ ಮೊದಲು, ಈ ಹೂಡಿಕೆಗಳ ವಿವರವಾದ ಹೋಲಿಕೆಯ ಮೂಲಕ ಹೋಗಿ.

ಸಾರಾಂಶದಲ್ಲಿ:

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು (ಸಾಲ ನಿಧಿ) Vs ಸ್ಥಿರ ಠೇವಣಿ (ಎಫ್‌ಡಿ)

ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳುವ ಸಾಮರ್ಥ್ಯ ಮತ್ತು ಉದ್ದೇಶಿತ ಹಿಡುವಳಿ ಅವಧಿಯಿಂದ ನಾವು ಇದನ್ನು ಮುರಿಯಬೇಕಾಗಿದೆಹೂಡಿಕೆದಾರ ಪ್ರಶ್ನೆಯಲ್ಲಿ.

ಕಡಿಮೆ ಹಿಡುವಳಿ ಅವಧಿ (1 ವರ್ಷ ಅಥವಾ ಕಡಿಮೆ)

ಇಲ್ಲಿ ಸಾಲ ನಿಧಿಯ ಆಯ್ಕೆಗಳು ಸೀಮಿತವಾಗಿರುತ್ತವೆದ್ರವ ನಿಧಿಗಳು, ಅಲ್ಟ್ರಾ-ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಮತ್ತು ಅಲ್ಪಾವಧಿಆದಾಯ ನಿಧಿಗಳು. ರಿಟರ್ನ್ಸ್ ಅಥವಾ ಇಳುವರಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ದ್ರವದಿಂದ ಅಲ್ಟ್ರಾ-ಶಾರ್ಟ್‌ಗೆ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗೆ ಹೆಚ್ಚಿನದಾಗಿದ್ದರೂ, ಈ ಸಾಲ ನಿಧಿಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ನಡುವಿನ ಇಳುವರಿ ವ್ಯತ್ಯಾಸವನ್ನು ಕಳೆದ ಒಂದು ವರ್ಷದಲ್ಲಿ ಅವರ ಆದಾಯವನ್ನು ಪರಿಗಣಿಸಿ ನಿರ್ಧರಿಸಬಹುದು.

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ (ವರ್ಗದ ಸರಾಸರಿ ಆದಾಯ)

ಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ವಿಧ	ಕಳೆದ 1 ವರ್ಷ ರಿಟರ್ನ್ (%)
ಲಿಕ್ವಿಡ್ ಫಂಡ್	7.36
ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು	9.18
ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು	9.78
ಡೈನಾಮಿಕ್ ಸಾಲ ನಿಧಿಗಳು	13.89
ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು	13.19
ಗಿಲ್ಟ್ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು	11.76
ಗಿಲ್ಟ್ ದೀರ್ಘಾವಧಿಯ ನಿಧಿಗಳು	15.06
20ನೇ ಫೆಬ್ರವರಿ 2017 ರ ಡೇಟಾ

ಸ್ಥಿರ ಠೇವಣಿ ಅಥವಾ FD ಸರಾಸರಿ ರಿಟರ್ನ್ ದರ

ಸ್ಥಿರ ಠೇವಣಿಗಳ ಸರಾಸರಿ ರಿಟರ್ನ್ ದರವು 8-8.5% p.a. 2016 ರಲ್ಲಿ (ಆದ್ದರಿಂದ ಒಬ್ಬರು ಮೇಲಿನ ಆದಾಯವನ್ನು ಕೋಷ್ಟಕದಲ್ಲಿ ಹೋಲಿಸಬಹುದು). ಆದಾಗ್ಯೂ, ಕಳೆದ ಒಂದು ವರ್ಷದಲ್ಲಿ, ರಿಟರ್ನ್ ದರವು 6.6-7.5% p.a ಗೆ ಇಳಿದಿದೆ.

ಮೇಲಿನ ವಿವರಣೆಯೊಂದಿಗೆ, ಸಾಲ ನಿಧಿಗಳ ಆದಾಯದ ಸರಾಸರಿ ದರವು ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗಿಂತ ಉತ್ತಮವಾಗಿದೆ ಎಂಬುದು ಸ್ಪಷ್ಟವಾಗಿದೆ.

Ready to Invest?
Talk to our investment specialist

ದೀರ್ಘಾವಧಿಯ ಹಿಡುವಳಿ ಅವಧಿ

ದೀರ್ಘ ಉದ್ದೇಶಿತ ಹಿಡುವಳಿ ಅವಧಿಯೊಂದಿಗೆ, ಸಾಲ ನಿಧಿಗಳು FD ಗಳಿಗಿಂತ ಉತ್ತಮವೆಂದು ಸಾಬೀತುಪಡಿಸಬಹುದು.

ಇಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಆಯ್ಕೆಗಳೆಂದರೆ:

ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ನಿಧಿಗಳು
ದೀರ್ಘಕಾಲದ ಗಿಲ್ಟ್,
ಕಾರ್ಪೊರೇಟ್ಕರಾರುಪತ್ರ ನಿಧಿಗಳು (ಹೆಚ್ಚಿನ ಇಳುವರಿ ನಿಧಿಗಳು), ದ್ರವದ ಮೇಲೆ ತಿಳಿಸಲಾದ ಆಯ್ಕೆಗಳ ಜೊತೆಗೆ, ಅಲ್ಟ್ರಾ-ಶಾರ್ಟ್ ಮತ್ತು ಅಲ್ಪಾವಧಿಯ ಹಣವನ್ನು ಸಹ ಬಳಸಬಹುದು.

ಹಿಡುವಳಿ ಅವಧಿಯು 3 ವರ್ಷಗಳು ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನದಾಗಿರಬಹುದು, ನಾವು ಈ ಕೆಳಗಿನವುಗಳನ್ನು ಹೇಳಬಹುದು:

ಜೊತೆಗೆಬಂಡವಾಳ ಇಂಡೆಕ್ಸೇಶನ್ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ 20% ರಷ್ಟು ತೆರಿಗೆಯನ್ನು ಗಳಿಸಿದರೆ, ನಿವ್ವಳ ತೆರಿಗೆ ಸಂಭವವು ಕನಿಷ್ಠವಾಗಿರುತ್ತದೆ (ಆದಾಗ್ಯೂ ಒಬ್ಬರು ತೆರಿಗೆಗೆ ಒಳಗಾದ ವರ್ಷವನ್ನು ನೀಡಿದ ತೆರಿಗೆ ಘಟನೆಯನ್ನು ಲೆಕ್ಕ ಹಾಕಬೇಕು)
ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ನಿಧಿಗಳು/ಗಿಲ್ಟ್ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಇಳುವರಿಯೊಂದಿಗೆ ಮತ್ತು ಹೆಚ್ಚುವರಿಯಾಗಿ, ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾದರೆ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ.
ಈ ಸಾಲ ನಿಧಿಗಳೊಂದಿಗೆ ಹೆಚ್ಚಿನ ಎರಡಂಕಿಯ ಆದಾಯದೊಂದಿಗೆ ಒಬ್ಬರು ಕೊನೆಗೊಳ್ಳಬಹುದು.

ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ನಿಧಿಗಳ ಮೇಲಿನ ಆದಾಯದ ಕೆಳಗಿನ ಉದಾಹರಣೆಯನ್ನು ತೆಗೆದುಕೊಳ್ಳಿ, ವರ್ಗಕ್ಕೆ ಸರಾಸರಿ ಕೊನೆಯ 1-ವರ್ಷದ ಆದಾಯವು 12.19% ಮತ್ತು ಕಳೆದ 3 ವರ್ಷಗಳಲ್ಲಿ 10.32% p.a. ಈ ಅವಧಿಯಲ್ಲಿ ಯಾವುದೇ ಎಫ್‌ಡಿ ಇದೇ ರೀತಿಯ ರಿಟರ್ನ್ ನೀಡುತ್ತಿರಲಿಲ್ಲ. ಗಿಲ್ಟ್ ಫಂಡ್ ರಿಟರ್ನ್ಸ್ ಇನ್ನೂ ಹೆಚ್ಚಾಗಿರುತ್ತದೆ. ಅದೇ ಅವಧಿಯಲ್ಲಿ, ಕಳೆದ ವರ್ಷದ ಎಫ್‌ಡಿ ದರಗಳು ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ವಾರ್ಷಿಕ 8-8.5% ರ ಸಮೀಪ ಇರುತ್ತಿತ್ತು, (ಇಂದು ದರಗಳು ಇನ್ನೂ 6.5 - 7.5% ಕ್ಕೆ ಇಳಿದಿವೆ)

ಆದ್ದರಿಂದ ಹೂಡಿಕೆದಾರರು ದೀರ್ಘಾವಧಿಯ ಹಿಡುವಳಿ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಮತ್ತು ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗುವುದರೊಂದಿಗೆ, ಸಾಲ ನಿಧಿ (ದೀರ್ಘಾವಧಿಯ ಆದಾಯ ಅಥವಾ ಗಿಲ್ಟ್) FD ಗಿಂತ ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ. ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗದಿದ್ದರೂ ಸಹ, ಹೆಚ್ಚಿನ ಇಳುವರಿ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ಅದೇ ಅವಧಿಯಲ್ಲಿ FD ಗಳನ್ನು ಸೋಲಿಸುತ್ತವೆ.

ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ

ಸಾಲ ನಿಧಿಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ಆದಾಯವನ್ನು ನಿರ್ಧರಿಸುವಲ್ಲಿ ತೆರಿಗೆಯು ಪ್ರಮುಖ ಪಾತ್ರವನ್ನು ವಹಿಸುತ್ತದೆ. ವಿಶಿಷ್ಟವಾಗಿ, ಸ್ಥಿರ ಠೇವಣಿಗಳ ಮೇಲಿನ ತೆರಿಗೆಯು 33% (ತೆರಿಗೆಯ ಕನಿಷ್ಠ ದರ) ಆದರೆ ಡೆಟ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಒಬ್ಬರು 3-ವರ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ವೀಕ್ಷಣೆಯೊಂದಿಗೆ ಹೂಡಿಕೆ ಮಾಡಿದರೆ ಡಿಡಿಟಿ (ಡಿವಿಡೆಂಡ್ ಡಿಸ್ಟ್ರಿಬ್ಯೂಷನ್ ಟ್ಯಾಕ್ಸ್) ಕಡಿತಗೊಳಿಸಿದರೆ ಡಿವಿಡೆಂಡ್ ವಿತರಣಾ ತೆರಿಗೆಯನ್ನು ಪಾವತಿಸುವುದು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ. ಸರಿಸುಮಾರು 25% (+ಸರ್ಚಾರ್ಜ್ ಇತ್ಯಾದಿ). ಸಾಲ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಮೇಲಿನ ತೆರಿಗೆಯು ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗಿಂತ ತುಲನಾತ್ಮಕವಾಗಿ ಕಡಿಮೆಯಾಗಿದೆ ಎಂದು ಇದು ತೋರಿಸುತ್ತದೆ.

ಸಾಲ ನಿಧಿಗಳೊಂದಿಗೆ ಬರುವ ಹೆಚ್ಚುವರಿ ಪ್ರಯೋಜನಗಳೆಂದರೆ:

ದ್ರವ್ಯತೆ: 1-2 ದಿನಗಳಲ್ಲಿ ಹಣ ಲಭ್ಯವಿದೆವಿಮೋಚನೆ
ವೃತ್ತಿಪರ ನಿರ್ವಹಣೆ: ಕಾರ್ಯತಂತ್ರವನ್ನು ಕ್ರಿಯಾತ್ಮಕವಾಗಿ ಬದಲಾಯಿಸುವ ಮತ್ತು ಮಾರುಕಟ್ಟೆಗಳ ಲಾಭವನ್ನು ಪಡೆಯುವ ಸಾಮರ್ಥ್ಯ
ಯಾವುದೇ ಅಕಾಲಿಕ ವಾಪಸಾತಿ ದಂಡವಿಲ್ಲ.

ಸಂಕ್ಷಿಪ್ತವಾಗಿ ಹೇಳುವುದಾದರೆ:

ನಿಯತಾಂಕಗಳು	ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು	ಸ್ಥಿರ ಠೇವಣಿ
ರಿಟರ್ನ್ಸ್ ದರ	ಯಾವುದೇ ಖಚಿತವಾದ ರಿಟರ್ನ್ಸ್ ಇಲ್ಲ	ಸ್ಥಿರ ರಿಟರ್ನ್ಸ್
ಹಣದುಬ್ಬರ ಸರಿಹೊಂದಿಸಿದ ರಿಟರ್ನ್ಸ್	ಅಧಿಕ ಹಣದುಬ್ಬರ ಹೊಂದಾಣಿಕೆಯ ಆದಾಯದ ಸಾಮರ್ಥ್ಯ	ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಹಣದುಬ್ಬರ ಹೊಂದಾಣಿಕೆಯ ಆದಾಯ
ಅಪಾಯ	ಕಡಿಮೆಯಿಂದ ಹೆಚ್ಚಿನ ಅಪಾಯ (ನಿಧಿಯನ್ನು ಅವಲಂಬಿಸಿರುತ್ತದೆ	ಕಡಿಮೆ ಅಪಾಯ
ದ್ರವ್ಯತೆ	ದ್ರವ	ದ್ರವ
ಅಕಾಲಿಕ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವಿಕೆ	ನಿರ್ಗಮನ ಲೋಡ್‌ನೊಂದಿಗೆ ಅನುಮತಿಸಲಾಗಿದೆ/ಲೋಡ್ ಇಲ್ಲ	ದಂಡದೊಂದಿಗೆ ಅನುಮತಿಸಲಾಗಿದೆ
ಹೂಡಿಕೆಯ ವೆಚ್ಚ	ನಿರ್ವಹಣಾ ವೆಚ್ಚ/ವೆಚ್ಚದ ಅನುಪಾತ	ಯಾವುದೇ ವೆಚ್ಚವಿಲ್ಲ

ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಸಾಲ ನಿಧಿಗಳು 2022

ಮೇಲಿನ ನಿವ್ವಳ ಸ್ವತ್ತುಗಳು/AUM ಹೊಂದಿರುವ ಸಾಲ ನಿಧಿಗಳ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ1000 ಕೋಟಿ ಮತ್ತು 3 ವರ್ಷದ ಸಂಯೋಜನೆಯಲ್ಲಿ ವಿಂಗಡಿಸಲಾಗಿದೆ (ಸಿಎಜಿಆರ್) ಹಿಂದಿರುಗಿಸುತ್ತದೆ.

1. Aditya Birla Sun Life Credit Risk Fund

(Erstwhile Aditya Birla Sun Life Corporate Bond Fund)

The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Aditya Birla Sun Life Credit Risk Fund is a Debt - Credit Risk fund was launched on 17 Apr 15. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.2% since its launch. Return for 2024 was 11.9% , 2023 was 6.9% and 2022 was 7.1% .

Below is the key information for Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund Growth
Launch Date	17 Apr 15
NAV (29 Jul 25)	₹22.5768 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹1,014 on 15 Jul 25
Category	Debt - Credit Risk
AMC	Birla Sun Life Asset Management Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.56
Sharpe Ratio	2.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	7.76%
Effective Maturity	3 Years 2 Months 5 Days
Modified Duration	2 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹11,039
30 Jun 22	₹11,474
30 Jun 23	₹12,587
30 Jun 24	₹13,558
30 Jun 25	₹15,815

Aditya Birla Sun Life Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201 Invest Now

Returns for Aditya Birla Sun Life Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jul 25

Duration	Returns
1 Month	1%
3 Month	2.7%
6 Month	9.2%
1 Year	16.8%
3 Year	10.5%
5 Year	9.4%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.9%
2023	6.9%
2022	7.1%
2021	6.4%
2020	9.4%
2019	2.1%
2018	6.6%
2017	8.1%
2016	10.3%
2015

Fund Manager information for Aditya Birla Sun Life Credit Risk Fund

Name	Since	Tenure
Sunaina Cunha	17 Apr 15	10.21 Yr.
Mohit Sharma	6 Aug 20	4.9 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 15 Jul 25

Asset Allocation

Asset Class	Value
Cash	7.7%
Equity	8.73%
Debt	83.23%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	66.61%
Government	16.62%
Cash Equivalent	7.7%

Credit Quality

Rating	Value
A	5.59%
AA	70.31%
AAA	24.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	6%	₹57 Cr	5,500,000
JSW Steel Limited Debentures \| -	5%	₹55 Cr	550
Aditya Birla Real Estate Limited Debentures \| -	4%	₹45 Cr	4,500
7.18% Govt Stock 2037 Sovereign Bonds \| -	4%	₹37 Cr	3,500,000
Jubilant Bevco Limited Debentures \| -	3%	₹31 Cr	3,000
Narayana Hrudayalaya Limited Debentures \| -	3%	₹31 Cr	3,000
JSW Energy Limited Debentures \| -	3%	₹30 Cr	3,000
Sis Limited Debentures \| -	3%	₹30 Cr	3,000
Vedanta Limited Debentures \| -	3%	₹30 Cr	3,000
Hero Housing Finance Limited Debentures \| -	3%	₹30 Cr	3,000

2. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch. Ranked 6 in Medium term Bond category. Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (29 Jul 25)	₹40.2388 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹2,732 on 15 Jul 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	7.52%
Effective Maturity	4 Years 10 Months 10 Days
Modified Duration	3 Years 7 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹11,450
30 Jun 22	₹12,284
30 Jun 23	₹15,252
30 Jun 24	₹16,359
30 Jun 25	₹18,635

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jul 25

Duration	Returns
1 Month	0.7%
3 Month	2.2%
6 Month	7.4%
1 Year	13.6%
3 Year	9.5%
5 Year	12.3%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	6.9%
2022	24.8%
2021	7.1%
2020	8.1%
2019	-4.4%
2018	5.6%
2017	7%
2016	10.9%
2015	9.5%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	10.84 Yr.
Mohit Sharma	6 Aug 20	4.9 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Jul 25

Asset Allocation

Asset Class	Value
Cash	4.15%
Equity	4.26%
Debt	91.33%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	56.42%
Government	34.91%
Cash Equivalent	4.15%

Credit Quality

Rating	Value
A	4%
AA	42.22%
AAA	53.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹231 Cr	22,500,000 ↓ -3,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹195 Cr	18,696,700
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹194 Cr	18,500,000
Nuvama Wealth Finance Limited Debentures \| -	4%	₹96 Cr	9,500
Jubilant Bevco Limited Debentures \| -	3%	₹76 Cr	7,400
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹76 Cr	7,500 ↑ 2,500
National Bank For Financing Infrastructure And Development Debentures \| -	3%	₹71 Cr	7,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹70 Cr	7,000
360 One Prime Limited Debentures \| -	2%	₹65 Cr	6,500
SK Finance Limited Debentures \| -	2%	₹65 Cr	6,500

3. ICICI Prudential Constant Maturity Gilt Fund

The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch. Ranked 6 in 10 Yr Govt Bond category. Return for 2024 was 9.3% , 2023 was 7.7% and 2022 was 1.2% .

Below is the key information for ICICI Prudential Constant Maturity Gilt Fund

ICICI Prudential Constant Maturity Gilt Fund Growth
Launch Date	12 Sep 14
NAV (29 Jul 25)	₹24.9383 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹2,463 on 30 Jun 25
Category	Debt - 10 Yr Govt Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.39
Sharpe Ratio	1.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity	6.52%
Effective Maturity	9 Years 6 Months
Modified Duration	6 Years 10 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,427
30 Jun 22	₹10,385
30 Jun 23	₹11,324
30 Jun 24	₹12,130
30 Jun 25	₹13,477

ICICI Prudential Constant Maturity Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for ICICI Prudential Constant Maturity 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 29 Jul 25

Duration	Returns
1 Month	0.4%
3 Month	1%
6 Month	5.4%
1 Year	10.2%
3 Year	8.7%
5 Year	6%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.3%
2023	7.7%
2022	1.2%
2021	2.8%
2020	13.6%
2019	12.8%
2018	9.7%
2017	2.4%
2016	16.2%
2015	6.9%

Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.44 Yr.
Raunak Surana	22 Jan 24	1.44 Yr.

Data below for ICICI Prudential Constant Maturity Gilt Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	2.05%
Debt	97.95%

Debt Sector Allocation

Sector	Value
Government	97.95%
Cash Equivalent	2.05%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	37%	₹878 Cr	85,374,500 ↓ -8,000,000
6.64% Govt Stock 2035 Sovereign Bonds \| -	27%	₹645 Cr	63,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	23%	₹546 Cr	52,219,850 ↓ -1,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	6%	₹147 Cr	14,000,000
6.19% Govt Stock 2034 Sovereign Bonds \| -	2%	₹49 Cr	5,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	1%	₹26 Cr	2,500,000
6.67% Govt Stock 2035 Sovereign Bonds \| -	1%	₹25 Cr	2,500,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	0%	₹4 Cr	413,500
Net Current Assets Net Current Assets \| -	2%	₹41 Cr
Treps CBLO/Reverse Repo \| -	0%	₹7 Cr

4. ICICI Prudential Gilt Fund

(Erstwhile ICICI Prudential Long Term Gilt Fund)

To generate income through investment in Gilts of various maturities.

ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.4% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% .

Below is the key information for ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund Growth
Launch Date	19 Aug 99
NAV (29 Jul 25)	₹103.761 ↓ -0.10 (-0.10 %)
Net Assets (Cr)	₹7,276 on 30 Jun 25
Category	Debt - Government Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.12
Sharpe Ratio	1.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	10 Years 22 Days
Modified Duration	3 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,413
30 Jun 22	₹10,601
30 Jun 23	₹11,581
30 Jun 24	₹12,476
30 Jun 25	₹13,676

ICICI Prudential Gilt 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 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 29 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	1%
6 Month	5.1%
1 Year	9.1%
3 Year	8.6%
5 Year	6.3%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	5.5%

Fund Manager information for ICICI Prudential Gilt Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.44 Yr.
Raunak Surana	22 Jan 24	1.44 Yr.

Data below for ICICI Prudential Gilt Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	24.5%
Debt	75.5%

Debt Sector Allocation

Sector	Value
Government	78.14%
Cash Equivalent	21.86%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	13%	₹978 Cr	94,096,700
7.34% Govt Stock 2064 Sovereign Bonds \| -	11%	₹821 Cr	79,038,200
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹713 Cr	68,233,150
7.09% Govt Stock 2054 Sovereign Bonds \| -	7%	₹537 Cr	53,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	6%	₹442 Cr	45,000,000 ↑ 30,000,000
364 DTB 28082025 Sovereign Bonds \| -	6%	₹407 Cr	41,000,000 ↓ -30,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹363 Cr	35,287,190 ↓ -20,000,000
182 Days Tbill Sovereign Bonds \| -	4%	₹313 Cr	31,500,000
Maharashtra (Government of) - \| -	4%	₹301 Cr	30,000,000 ↑ 30,000,000
Maharashtra (Government of) - \| -	4%	₹301 Cr	30,000,000 ↑ 30,000,000

5. SBI Magnum Constant Maturity Fund

(Erstwhile SBI Magnum Gilt Fund Short Term)

To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt.

SBI Magnum Constant Maturity Fund is a Debt - 10 Yr Govt Bond fund was launched on 30 Dec 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.9% since its launch. Ranked 1 in 10 Yr Govt Bond category. Return for 2024 was 9.1% , 2023 was 7.5% and 2022 was 1.3% .

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund Growth
Launch Date	30 Dec 00
NAV (29 Jul 25)	₹64.2211 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹1,900 on 30 Jun 25
Category	Debt - 10 Yr Govt Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.64
Sharpe Ratio	1.25
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.58%
Effective Maturity	9 Years 7 Months 28 Days
Modified Duration	6 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,330
30 Jun 22	₹10,304
30 Jun 23	₹11,225
30 Jun 24	₹12,032
30 Jun 25	₹13,268

SBI Magnum Constant Maturity Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for SBI Magnum Constant Maturity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jul 25

Duration	Returns
1 Month	0.4%
3 Month	0.6%
6 Month	4.8%
1 Year	9.4%
3 Year	8.4%
5 Year	5.7%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.1%
2023	7.5%
2022	1.3%
2021	2.4%
2020	11.6%
2019	11.9%
2018	9.9%
2017	6.2%
2016	12.8%
2015	9.1%

Fund Manager information for SBI Magnum Constant Maturity Fund

Name	Since	Tenure
Sudhir Agarwal	1 Jul 25	0 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	2.44%
Debt	97.56%

Debt Sector Allocation

Sector	Value
Government	97.56%
Cash Equivalent	2.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	71%	₹1,338 Cr	128,000,000 ↓ -500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	27%	₹513 Cr	48,999,500 ↓ -500
Net Receivable / Payable CBLO \| -	2%	₹41 Cr
Treps CBLO/Reverse Repo \| -	0%	₹5 Cr

6. Nippon India Dynamic Bond Fund

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risks. This income may be complimented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in debt and money market instruments.

Nippon India Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 15 Nov 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.6% since its launch. Return for 2024 was 9% , 2023 was 6.7% and 2022 was 2.4% .

Below is the key information for Nippon India Dynamic Bond Fund

Nippon India Dynamic Bond Fund Growth
Launch Date	15 Nov 04
NAV (29 Jul 25)	₹37.7453 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹4,637 on 30 Jun 25
Category	Debt - Dynamic Bond
AMC	Nippon Life Asset Management Ltd.
Rating	Not Rated
Risk	Moderate
Expense Ratio	0.71
Sharpe Ratio	1.67
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	6.53%
Effective Maturity	4 Years 11 Months 16 Days
Modified Duration	4 Years 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,389
30 Jun 22	₹10,419
30 Jun 23	₹11,331
30 Jun 24	₹12,104
30 Jun 25	₹13,356

Nippon India Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Nippon India Dynamic 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 29 Jul 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	5.4%
1 Year	9.7%
3 Year	8.4%
5 Year	5.8%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.7%
2022	2.4%
2021	2.7%
2020	11.3%
2019	8.4%
2018	4.7%
2017	3.1%
2016	13.9%
2015	5.7%

Fund Manager information for Nippon India Dynamic Bond Fund

Name	Since	Tenure
Vivek Sharma	25 Jun 20	5.02 Yr.
Pranay Sinha	31 Mar 21	4.25 Yr.
Kinjal Desai	25 May 18	7.1 Yr.

Data below for Nippon India Dynamic Bond Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	2.68%
Debt	97.01%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	97.01%
Cash Equivalent	2.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.83 MH Sdl 2030 Sovereign Bonds \| -	7%	₹310 Cr	29,400,000
07.78 MH Sgs 2030 Sovereign Bonds \| -	6%	₹255 Cr	24,100,200
07.04 Tn SDL 2030 Sovereign Bonds \| -	5%	₹236 Cr	23,078,300
7.17% Govt Stock 2030 Sovereign Bonds \| -	4%	₹172 Cr	16,500,000
07.70 MH Sgs 2030 Sovereign Bonds \| -	3%	₹142 Cr	13,500,000
07.76 MH Sgs 2030 Sovereign Bonds \| -	3%	₹132 Cr	12,500,000
07.02 Tn SDL 2030 Sovereign Bonds \| -	3%	₹128 Cr	12,500,000
07.86 MH Sdl 2030 Sovereign Bonds \| -	3%	₹116 Cr	11,000,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	3%	₹116 Cr	11,000,000
06.65 GJ Sdl 2030 Sovereign Bonds \| -	2%	₹113 Cr	11,200,000

7. ICICI Prudential Long Term Bond Fund

(Erstwhile ICICI Prudential Income Plan)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Long Term Bond Fund is a Debt - Longterm Bond fund was launched on 9 Jul 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch. Ranked 12 in Longterm Bond category. Return for 2024 was 10.1% , 2023 was 6.8% and 2022 was 1.3% .

Below is the key information for ICICI Prudential Long Term Bond Fund

ICICI Prudential Long Term Bond Fund Growth
Launch Date	9 Jul 98
NAV (29 Jul 25)	₹90.5412 ↓ -0.15 (-0.16 %)
Net Assets (Cr)	₹1,164 on 30 Jun 25
Category	Debt - Longterm Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.97
Sharpe Ratio	0.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.74%
Effective Maturity	19 Years 3 Months 14 Days
Modified Duration	7 Years 3 Months

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,246
30 Jun 22	₹10,103
30 Jun 23	₹10,968
30 Jun 24	₹11,817
30 Jun 25	₹12,939

ICICI Prudential Long Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for ICICI Prudential Long Term 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 29 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	-0.2%
6 Month	4.3%
1 Year	9%
3 Year	8.3%
5 Year	5.1%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.1%
2023	6.8%
2022	1.3%
2021	0.4%
2020	11%
2019	12.1%
2018	6.8%
2017	4.1%
2016	15.7%
2015	5.1%

Fund Manager information for ICICI Prudential Long Term Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.44 Yr.
Raunak Surana	22 Jan 24	1.44 Yr.

Data below for ICICI Prudential Long Term Bond Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	12.72%
Debt	87.01%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	72.79%
Corporate	14.22%
Cash Equivalent	12.72%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	33%	₹391 Cr	37,701,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	8%	₹98 Cr	10,000,000 ↑ 5,000,000
Maharashtra (Government of) - \| -	6%	₹75 Cr	7,500,000 ↑ 7,500,000
The Great Eastern Shipping Company Limited Debentures \| -	5%	₹54 Cr	536
LIC Housing Finance Ltd Debentures \| -	4%	₹51 Cr	500
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹50 Cr	4,960,700
Maharashtra (Government of) - \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
Maharashtra (Government of) - \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
7.14% Maharashtra SDL 2039 Sovereign Bonds \| -	3%	₹40 Cr	4,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹35 Cr	3,500,000

8. Nippon India Credit Risk Fund

(Erstwhile Reliance Regular Savings Fund - Debt Plan)

The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments.

Nippon India Credit Risk Fund is a Debt - Credit Risk fund was launched on 8 Jun 05. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.5% since its launch. Ranked 21 in Credit Risk category. Return for 2024 was 8.3% , 2023 was 7.9% and 2022 was 3.9% .

Below is the key information for Nippon India Credit Risk Fund

Nippon India Credit Risk Fund Growth
Launch Date	8 Jun 05
NAV (29 Jul 25)	₹35.3718 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹1,018 on 30 Jun 25
Category	Debt - Credit Risk
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Moderate
Expense Ratio	1.63
Sharpe Ratio	3.28
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.4%
Effective Maturity	2 Years 2 Months 19 Days
Modified Duration	2 Years

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,899
30 Jun 22	₹12,030
30 Jun 23	₹12,938
30 Jun 24	₹13,920
30 Jun 25	₹15,246

Nippon India Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for Nippon India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jul 25

Duration	Returns
1 Month	1%
3 Month	2.5%
6 Month	5.5%
1 Year	9.7%
3 Year	8.3%
5 Year	8.9%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.9%
2022	3.9%
2021	13.5%
2020	-5.9%
2019	1.9%
2018	6.1%
2017	7%
2016	10%
2015	8.8%

Fund Manager information for Nippon India Credit Risk Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	7.1 Yr.
Sushil Budhia	1 Feb 20	5.41 Yr.

Data below for Nippon India Credit Risk Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	9.37%
Debt	90.34%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	75.85%
Government	14.49%
Cash Equivalent	9.37%

Credit Quality

Rating	Value
A	24.53%
AA	43.49%
AAA	31.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	8%	₹78 Cr	7,500,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹48 Cr	5,000
Jubilant Bevco Limited Debentures \| -	4%	₹41 Cr	4,000
TRuhome Finance Limited Debentures \| -	4%	₹41 Cr	4,000
Mancherial Repallewada Road Private Limited Debentures \| -	4%	₹40 Cr	4,500
Prestige Projects Private Limited Debentures \| -	4%	₹40 Cr	4,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹39 Cr	4,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	4%	₹38 Cr	3,800
Delhi International Airport Limited Debentures \| -	4%	₹36 Cr	3,500
Vedanta Limited Debentures \| -	4%	₹35 Cr	3,500

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.