മികച്ച 5 മികച്ച ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾ 2022

Updated on September 28, 2025 , 13496 views

മികച്ച ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾക്കായി തിരയുകയാണോ? ഇടത്തരം മുതൽ ദീർഘകാലം വരെ കാത്തിരിക്കുന്ന നിക്ഷേപകർക്കുള്ള ഫണ്ടുകളാണിത്നിക്ഷേപ പദ്ധതി, സാധാരണയായി 3-5 വർഷത്തേക്ക്. ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾ പ്രധാനമായും ജി-സെക്കന്റുകളിലും കോർപ്പറേറ്റുകളിലും നിക്ഷേപിക്കുന്നുബോണ്ടുകൾ ഇടത്തരം മുതൽ നീണ്ട മെച്യൂരിറ്റി കാലയളവ് ഉള്ളവ.

ഈ ഫണ്ടുകൾ പലിശ നിരക്ക് മാറ്റങ്ങളോട് സെൻസിറ്റീവ് ആണ്, മറ്റ് ഡെറ്റ് വിഭാഗങ്ങളുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ കൂടുതൽ അസ്ഥിരമായിരിക്കും.

ദീർഘകാല ബോണ്ടുകളിലെ പലിശ നിരക്കുകളും വിലയും

ഡെറ്റ് സെക്യൂരിറ്റികളുടെ പലിശ നിരക്കുകൾക്കും വിലകൾക്കും വിപരീത ബന്ധമുണ്ട്, അതിനർത്ഥം അവ വിപരീത ദിശകളിലേക്ക് നീങ്ങുന്നു എന്നാണ്. ഉദാഹരണത്തിന്, ബോണ്ട് ഫണ്ടുകൾക്ക് പലിശ നിരക്ക് കുറയുന്നത് നല്ലതാണ്. പലിശ നിരക്ക് കുറയുന്ന സമയത്ത്, ബോണ്ടുകളുടെ വില ഉയരുകയും ഇത് വർദ്ധിപ്പിക്കുകയും ചെയ്യുന്നുഎൻഎവികൾ യുടെഡെറ്റ് ഫണ്ട് സ്കീമുകൾ.

പലിശ നിരക്കുകളിലെ കുറവ് ദീർഘകാല സെക്യൂരിറ്റികളുടെ വിലയിൽ വർദ്ധനവിന് കാരണമാകുന്നതിനാൽ, നിക്ഷേപം നടത്തുന്നത് നല്ലതാണ്ദീർഘകാല ഡെറ്റ് ഫണ്ടുകൾ പലിശ നിരക്കുകൾ കുറയുമെന്ന് പ്രതീക്ഷിക്കുമ്പോൾ. ദീർഘകാലത്തേക്ക് (അതായത്, 3 വർഷവും അതിനുമുകളിലും) നിക്ഷേപം നടത്താൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർ, കുറച്ച് റിസ്ക് എടുക്കാൻ കഴിയുന്ന നിക്ഷേപകർ ഈ സ്കീമിൽ നിക്ഷേപിക്കേണ്ടതാണ്.

മാത്രമല്ല, പലിശ നിരക്കുകളിൽ ഏറ്റക്കുറച്ചിലുകൾ അനുഭവപ്പെടുന്ന നിക്ഷേപകർവിപണി ഈ നിക്ഷേപങ്ങളുമായി മുന്നോട്ട് പോകാം. 2022-ലെ മികച്ച 10 ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾ ഇതാ.

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മികച്ച 5 മികച്ച ദീർഘകാല ബോണ്ട് ഫണ്ടുകൾ 2022

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Long Term Bond Fund Growth	₹90.2069 ↑ 0.33	₹1,129	5,000	1,000	-0.2	1.2	5.7	7.7	10.1	7.43%	9Y 7M 2D	26Y 3M 18D
Bandhan Bond Fund Long Term Plan Growth	₹64.8109 ↑ 0.19	₹483	5,000	1,000	0.2	0.9	3.6	6.2	7.9	6.93%	6Y 8M 19D	10Y 6M 11D
Kotak Bond Fund Growth	₹77.1664 ↑ 0.25	₹2,061	5,000	1,000	0	1.9	5.1	6.9	8.2	6.96%	6Y 8M 5D	13Y 3M 18D
Aditya Birla Sun Life Income Fund Growth	₹126.03 ↑ 0.36	₹2,025	1,000	1,000	0.2	1.6	5.2	7	8.4	7.37%	6Y 7M 13D	14Y 22D
HDFC Income Fund Growth	₹58.5002 ↑ 0.18	₹941	5,000	300	0	1.9	5.4	7	9	6.9%	6Y 6M 4D	12Y 2M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Long Term Bond Fund	Bandhan Bond Fund Long Term Plan	Kotak Bond Fund	Aditya Birla Sun Life Income Fund	HDFC Income Fund
Point 1	Lower mid AUM (₹1,129 Cr).	Bottom quartile AUM (₹483 Cr).	Highest AUM (₹2,061 Cr).	Upper mid AUM (₹2,025 Cr).	Bottom quartile AUM (₹941 Cr).
Point 2	Established history (27+ yrs).	Established history (25+ yrs).	Established history (25+ yrs).	Oldest track record among peers (29 yrs).	Established history (25+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 5.71% (top quartile).	1Y return: 3.64% (bottom quartile).	1Y return: 5.09% (bottom quartile).	1Y return: 5.24% (lower mid).	1Y return: 5.43% (upper mid).
Point 6	1M return: 1.45% (top quartile).	1M return: 1.16% (upper mid).	1M return: 1.04% (lower mid).	1M return: 0.84% (bottom quartile).	1M return: 1.04% (bottom quartile).
Point 7	Sharpe: -0.16 (top quartile).	Sharpe: -0.84 (bottom quartile).	Sharpe: -0.34 (bottom quartile).	Sharpe: -0.22 (upper mid).	Sharpe: -0.22 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	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): 7.43% (top quartile).	Yield to maturity (debt): 6.93% (bottom quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 7.37% (upper mid).	Yield to maturity (debt): 6.90% (bottom quartile).
Point 10	Modified duration: 9.59 yrs (bottom quartile).	Modified duration: 6.72 yrs (bottom quartile).	Modified duration: 6.68 yrs (lower mid).	Modified duration: 6.62 yrs (upper mid).	Modified duration: 6.51 yrs (top quartile).

ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,129 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.71% (top quartile).
1M return: 1.45% (top quartile).
Sharpe: -0.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (top quartile).
Modified duration: 9.59 yrs (bottom quartile).

Bandhan Bond Fund Long Term Plan

Bottom quartile AUM (₹483 Cr).
Established history (25+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 3.64% (bottom quartile).
1M return: 1.16% (upper mid).
Sharpe: -0.84 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 6.72 yrs (bottom quartile).

Kotak Bond Fund

Highest AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.09% (bottom quartile).
1M return: 1.04% (lower mid).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (lower mid).

Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (29 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.24% (lower mid).
1M return: 0.84% (bottom quartile).
Sharpe: -0.22 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 6.62 yrs (upper mid).

HDFC Income Fund

Bottom quartile AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.43% (upper mid).
1M return: 1.04% (bottom quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (top quartile).

1. 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.

Research Highlights for ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,129 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.71% (top quartile).
1M return: 1.45% (top quartile).
Sharpe: -0.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (top quartile).
Modified duration: 9.59 yrs (bottom quartile).
Average maturity: 26.30 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~33.6%).
Top-3 holdings concentration ~49.6%.

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 (01 Oct 25)	₹90.2069 ↑ 0.33 (0.37 %)
Net Assets (Cr)	₹1,129 on 15 Sep 25
Category	Debt - Longterm Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.95
Sharpe Ratio	-0.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	26 Years 3 Months 18 Days
Modified Duration	9 Years 7 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,328
30 Sep 22	₹10,266
30 Sep 23	₹10,966
30 Sep 24	₹12,132
30 Sep 25	₹12,824

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 1 Oct 25

Duration	Returns
1 Month	1.5%
3 Month	-0.2%
6 Month	1.2%
1 Year	5.7%
3 Year	7.7%
5 Year	5.1%
10 Year
15 Year
Since launch	8.4%

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	1.61 Yr.
Raunak Surana	22 Jan 24	1.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.59%
Debt	96.13%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	81.5%
Corporate	14.63%
Cash Equivalent	3.59%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	34%	₹379 Cr	37,701,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	8%	₹95 Cr	10,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	8%	₹86 Cr	8,538,300
Maharashtra (Government of) - \| -	6%	₹72 Cr	7,500,000
The Great Eastern Shipping Company Limited Debentures \| -	5%	₹54 Cr	536
LIC Housing Finance Ltd Debentures \| -	5%	₹51 Cr	500
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹49 Cr	4,960,700
Maharashtra (Government of) - \| -	4%	₹49 Cr	5,000,000
Maharashtra (Government of) - \| -	4%	₹48 Cr	5,000,000
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹40 Cr	4,000,000

2. Bandhan Bond Fund Long Term Plan

(Erstwhile IDFC Super Saver Income Fund - Investment Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Bond Fund Long Term Plan

Bottom quartile AUM (₹483 Cr).
Established history (25+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 3.64% (bottom quartile).
1M return: 1.16% (upper mid).
Sharpe: -0.84 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 6.72 yrs (bottom quartile).
Average maturity: 10.53 yrs (top quartile).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Higher exposure to Financial Services vs peer median.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~44.9%).
Top-3 holdings concentration ~79.6%.

Below is the key information for Bandhan Bond Fund Long Term Plan

Bandhan Bond Fund Long Term Plan Growth
Launch Date	14 Jul 00
NAV (01 Oct 25)	₹64.8109 ↑ 0.19 (0.29 %)
Net Assets (Cr)	₹483 on 31 Aug 25
Category	Debt - Longterm Bond
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.98
Sharpe Ratio	-0.84
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	6.93%
Effective Maturity	10 Years 6 Months 11 Days
Modified Duration	6 Years 8 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,394
30 Sep 22	₹10,328
30 Sep 23	₹10,940
30 Sep 24	₹11,930
30 Sep 25	₹12,364

Bandhan Bond Fund Long Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Bandhan Bond Fund Long 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 1 Oct 25

Duration	Returns
1 Month	1.2%
3 Month	0.2%
6 Month	0.9%
1 Year	3.6%
3 Year	6.2%
5 Year	4.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6%
2022	0.6%
2021	1.2%
2020	11.8%
2019	10.4%
2018	6.6%
2017	3.1%
2016	12.9%
2015	5.9%

Fund Manager information for Bandhan Bond Fund Long Term Plan

Name	Since	Tenure
Suyash Choudhary	15 Oct 10	14.89 Yr.
Brijesh Shah	10 Jun 24	1.23 Yr.

Data below for Bandhan Bond Fund Long Term Plan as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.92%
Debt	96.79%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	83.38%
Corporate	13.41%
Cash Equivalent	2.92%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	45%	₹217 Cr	22,000,000 ↑ 2,500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	22%	₹107 Cr	10,400,000 ↑ 3,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	13%	₹60 Cr	6,000,000
Tata Capital Limited Debentures \| -	9%	₹42 Cr	4,200,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹20 Cr	2,000,000 ↓ -500,000
6.54% Govt Stock 2032 Sovereign Bonds \| -	2%	₹10 Cr	1,000,000 ↑ 500,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	1%	₹5 Cr	500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	0%	₹2 Cr	200,000 ↓ -1,000,000
Rec Limited Debentures \| -	0%	₹2 Cr	200,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹1 Cr	1,254

3. Kotak Bond Fund

(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

Highest AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.09% (bottom quartile).
1M return: 1.04% (lower mid).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (lower mid).
Average maturity: 13.30 yrs (lower mid).
Exit load: 0-3 Months (0.2%),3 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Government.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.09% Govt Stock 2054 (~14.3%).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (01 Oct 25)	₹77.1664 ↑ 0.25 (0.33 %)
Net Assets (Cr)	₹2,061 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-0.34
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	6.96%
Effective Maturity	13 Years 3 Months 18 Days
Modified Duration	6 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,587
30 Sep 22	₹10,644
30 Sep 23	₹11,311
30 Sep 24	₹12,374
30 Sep 25	₹13,004

Kotak 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 Kotak 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 1 Oct 25

Duration	Returns
1 Month	1%
3 Month	0%
6 Month	1.9%
1 Year	5.1%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	4.6%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	17.39 Yr.

Data below for Kotak Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	9.46%
Equity	0.36%
Debt	89.89%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	61.28%
Corporate	21.4%
Cash Equivalent	9.46%
Securitized	7.22%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	14%	₹298 Cr	30,250,000 ↑ 12,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	10%	₹199 Cr	20,105,260 ↓ -5,000,000
6.28% Govt Stock 2032 Sovereign Bonds \| -	9%	₹178 Cr	18,000,000 ↓ -7,000,000
National Housing Bank Debentures \| -	8%	₹172 Cr	17,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹109 Cr	10,799,600
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹99 Cr	10,000,000 ↓ -3,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	5%	₹94 Cr	9,329,820
Bihar State Govt - 2036 - Bihar 0.0752 Sovereign Bonds \| -	4%	₹81 Cr	8,000,000 ↑ 8,000,000
Ptc Shivshakti Securitisation Trust 28/09/2029(Shivshakti Trust)** So Unlisted bonds \| -	4%	₹75 Cr	75 ↑ 75
Ptc Siddhivinayak Securitisation Trust 28/09/2030(Siddhivinayak Trust)** So Unlisted bonds \| -	4%	₹75 Cr	75 ↑ 75

4. Aditya Birla Sun Life Income Fund

(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

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (29 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.24% (lower mid).
1M return: 0.84% (bottom quartile).
Sharpe: -0.22 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 6.62 yrs (upper mid).
Average maturity: 14.06 yrs (bottom quartile).
Exit load: NIL.
Top sector: Utility.
Top bond sector: Government.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~17.2%).

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

Aditya Birla Sun Life Income Fund Growth
Launch Date	21 Oct 95
NAV (01 Oct 25)	₹126.03 ↑ 0.36 (0.29 %)
Net Assets (Cr)	₹2,025 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	14 Years 22 Days
Modified Duration	6 Years 7 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,691
30 Sep 22	₹10,817
30 Sep 23	₹11,534
30 Sep 24	₹12,591
30 Sep 25	₹13,250

Aditya Birla Sun Life Income 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 Aditya Birla Sun Life Income Fund

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

Duration	Returns
1 Month	0.8%
3 Month	0.2%
6 Month	1.6%
1 Year	5.2%
3 Year	7%
5 Year	5.8%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	4.6%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	5.07 Yr.

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

Asset Allocation

Asset Class	Value
Cash	7.71%
Debt	91.98%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	64.31%
Corporate	26.91%
Cash Equivalent	7.23%
Securitized	1.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	17%	₹349 Cr	34,659,900 ↑ 2,000,000
Power Grid Corporation Of India Limited Debentures \| -	5%	₹99 Cr	10,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	5%	₹98 Cr	9,906,100 ↓ -2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹78 Cr	7,500,000 ↑ 5,000,000
Tata Capital Housing Finance Limited Debentures \| -	4%	₹75 Cr	7,500
Housing And Urban Development Corporation Limited Debentures \| -	4%	₹74 Cr	7,500
Maharashtra (Government of) - \| -	3%	₹64 Cr	6,500,000
Maharashtra (Government of) - \| -	3%	₹56 Cr	5,729,200
Bajaj Finance Limited Debentures \| -	3%	₹51 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹51 Cr	5,000

5. HDFC Income Fund

Aims to optimise returns while maintaining a balance of safety, yield and liquidity.

Research Highlights for HDFC Income Fund

Bottom quartile AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.43% (upper mid).
1M return: 1.04% (bottom quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (top quartile).
Average maturity: 12.21 yrs (upper mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Government.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2037 (~17.9%).
Top-3 holdings concentration ~40.6%.

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (01 Oct 25)	₹58.5002 ↑ 0.18 (0.31 %)
Net Assets (Cr)	₹941 on 15 Sep 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.22
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	6.9%
Effective Maturity	12 Years 2 Months 16 Days
Modified Duration	6 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,452
30 Sep 22	₹10,413
30 Sep 23	₹11,029
30 Sep 24	₹12,111
30 Sep 25	₹12,769

HDFC Income 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 HDFC Income Fund

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

Duration	Returns
1 Month	1%
3 Month	0%
6 Month	1.9%
1 Year	5.4%
3 Year	7%
5 Year	5%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	5.3%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.99 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Income Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	9.09%
Equity	0.46%
Debt	90.18%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	75.32%
Corporate	14.85%
Cash Equivalent	9.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	18%	₹168 Cr	16,290,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	12%	₹114 Cr	11,530,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹100 Cr	9,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	7%	₹67 Cr	6,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹41 Cr	4,000,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹26 Cr	2,500,000
6.63% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹25 Cr	250
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000

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