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SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു എപ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു. മാത്രമല്ല, നിക്ഷേപത്തിന്റെ ഏറ്റവും കുറഞ്ഞ തുക എഎസ്.ഐ.പി മ്യൂച്വൽ ഫണ്ട് 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ. സാധാരണയായി, SIP-കൾ അനുയോജ്യമാണ്ഇക്വിറ്റി ഫണ്ടുകൾ ദീർഘകാലാടിസ്ഥാനത്തിൽ എസ്ഐപിക്ക് ഏറ്റവും പ്രയോജനം ലഭിക്കുന്നതിനാൽ, പല നിക്ഷേപകരും അത് സ്വീകരിക്കാൻ ഇഷ്ടപ്പെടുന്നുഡെറ്റ് ഫണ്ട് അതും. അതിനാൽ, മികച്ച വരുമാനം നൽകുന്ന ഇന്ത്യയിലെ ചില മികച്ച ഡെറ്റ് എസ്ഐപി പ്ലാനുകൾ ഇതാ.
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22 - 23 സാമ്പത്തിക വർഷത്തിൽ നിക്ഷേപിക്കാനുള്ള മികച്ച 10 ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ SIP പ്ലാനുകൾ
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹25.3555
↑ 0.01 ₹1,461 100 2.8 4.8 12.2 12.3 13.4 7.98% 2Y 29D 2Y 9M 4D Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 ₹550 1,000 1 10.2 11.8 5 4.19% 5M 18D 8M 1D Aditya Birla Sun Life Medium Term Plan Growth ₹43.7812
↑ 0.02 ₹3,213 1,000 2.6 4.1 8.8 10 10.9 8.05% 3Y 1M 20D 4Y 7M 24D ICICI Prudential Regular Savings Fund Growth ₹34.7659
↑ 0.03 ₹6,212 100 2.8 4.1 8.3 8.5 9.5 8.93% 2Y 14D 3Y 1M 10D SBI Credit Risk Fund Growth ₹49.5523
↑ 0.04 ₹2,175 500 3 4.7 7.6 8 7.9 8.7% 2Y 22D 2Y 8M 23D Bandhan Government Securities Fund - Investment Plan Growth ₹37.6158
↑ 0.11 ₹1,892 1,000 3.6 6 7.3 7.7 3.7 7.6% 10Y 11M 16D 32Y 1M 28D ICICI Prudential Medium Term Bond Fund Growth ₹48.5709
↑ 0.04 ₹5,492 1,000 2.8 3.9 7.3 8 9 8.57% 3Y 2M 26D 6Y 2M 5D Nippon India Credit Risk Fund Growth ₹37.9873
↑ 0.01 ₹1,486 100 2.3 4.1 7.3 8.2 8.9 9.12% 2Y 11D 2Y 5M 5D Kotak Credit Risk Fund Growth ₹31.8821
↑ 0.02 ₹768 1,000 2.6 3.5 7.2 7.8 9.1 8.95% 1Y 11M 5D 2Y 11M 5D HDFC Credit Risk Debt Fund Growth ₹26.002
↑ 0.01 ₹7,693 300 2.6 4.2 7.2 7.7 8 8.8% 2Y 2M 23D 3Y 5M 23D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Aditya Birla Sun Life Credit Risk Fund Sundaram Low Duration Fund Aditya Birla Sun Life Medium Term Plan ICICI Prudential Regular Savings Fund SBI Credit Risk Fund Bandhan Government Securities Fund - Investment Plan ICICI Prudential Medium Term Bond Fund Nippon India Credit Risk Fund Kotak Credit Risk Fund HDFC Credit Risk Debt Fund Point 1 Bottom quartile AUM (₹1,461 Cr). Bottom quartile AUM (₹550 Cr). Upper mid AUM (₹3,213 Cr). Top quartile AUM (₹6,212 Cr). Upper mid AUM (₹2,175 Cr). Lower mid AUM (₹1,892 Cr). Upper mid AUM (₹5,492 Cr). Lower mid AUM (₹1,486 Cr). Bottom quartile AUM (₹768 Cr). Highest AUM (₹7,693 Cr). Point 2 Established history (11+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (15+ yrs). Oldest track record among peers (22 yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (16+ yrs). Established history (12+ yrs). Point 3 Not Rated. Rating: 2★ (lower mid). Top rated. Rating: 1★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 4★ (upper mid). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 12.23% (top quartile). 1Y return: 11.79% (top quartile). 1Y return: 8.75% (upper mid). 1Y return: 8.28% (upper mid). 1Y return: 7.58% (upper mid). 1Y return: 7.35% (lower mid). 1Y return: 7.33% (lower mid). 1Y return: 7.25% (bottom quartile). 1Y return: 7.22% (bottom quartile). 1Y return: 7.16% (bottom quartile). Point 6 1M return: 0.60% (upper mid). 1M return: 0.28% (bottom quartile). 1M return: 0.42% (bottom quartile). 1M return: 0.71% (top quartile). 1M return: 0.70% (top quartile). 1M return: -0.71% (bottom quartile). 1M return: 0.43% (lower mid). 1M return: 0.54% (lower mid). 1M return: 0.68% (upper mid). 1M return: 0.67% (upper mid). Point 7 Sharpe: 1.95 (top quartile). Sharpe: 0.99 (lower mid). Sharpe: 1.29 (upper mid). Sharpe: 1.40 (top quartile). Sharpe: 1.03 (upper mid). Sharpe: 0.47 (bottom quartile). Sharpe: 0.74 (lower mid). Sharpe: 1.22 (upper mid). Sharpe: 0.66 (bottom quartile). Sharpe: 0.73 (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 (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): 7.98% (bottom quartile). Yield to maturity (debt): 4.19% (bottom quartile). Yield to maturity (debt): 8.05% (lower mid). Yield to maturity (debt): 8.93% (upper mid). Yield to maturity (debt): 8.70% (upper mid). Yield to maturity (debt): 7.60% (bottom quartile). Yield to maturity (debt): 8.57% (lower mid). Yield to maturity (debt): 9.12% (top quartile). Yield to maturity (debt): 8.95% (top quartile). Yield to maturity (debt): 8.80% (upper mid). Point 10 Modified duration: 2.08 yrs (lower mid). Modified duration: 0.47 yrs (top quartile). Modified duration: 3.14 yrs (bottom quartile). Modified duration: 2.04 yrs (upper mid). Modified duration: 2.06 yrs (upper mid). Modified duration: 10.96 yrs (bottom quartile). Modified duration: 3.24 yrs (bottom quartile). Modified duration: 2.03 yrs (upper mid). Modified duration: 1.93 yrs (top quartile). Modified duration: 2.23 yrs (lower mid). Aditya Birla Sun Life Credit Risk Fund
Sundaram Low Duration Fund
Aditya Birla Sun Life Medium Term Plan
ICICI Prudential Regular Savings Fund
SBI Credit Risk Fund
Bandhan Government Securities Fund - Investment Plan
ICICI Prudential Medium Term Bond Fund
Nippon India Credit Risk Fund
Kotak Credit Risk Fund
HDFC Credit Risk Debt Fund
*ഫണ്ട് ഉണ്ടെന്ന് സൂചിപ്പിച്ചിരിക്കുന്നുഫണ്ട് സൈസ് (AUM) 500 കോടിക്ക് മുകളിൽ.
(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. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on (Erstwhile Sundaram Ultra Short Term Fund) To provide a level of income consistent with liquidity
through investments made primarily in money market and
debt securities. Research Highlights for Sundaram Low Duration Fund Below is the key information for Sundaram Low Duration Fund Returns up to 1 year are on 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. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Government Securities Fund - Investment Plan Below is the key information for Bandhan Government Securities Fund - Investment Plan Returns up to 1 year are on (Erstwhile ICICI Prudential Corporate Bond Fund) To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on (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. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on (Erstwhile Kotak Income Opportunities Fund) The investment objective of the scheme is to generate income by investing in debt/ and money market securities across the yield curve and credit spectrum. The scheme will also seek to maintain reasonable liquidity within the fund. Research Highlights for Kotak Credit Risk Fund Below is the key information for Kotak Credit Risk Fund Returns up to 1 year are on (Erstwhile HDFC Corporate Debt Opportunities Fund) To generate regular income and capital appreciation by investing predominantly in corporate debt. Research Highlights for HDFC Credit Risk Debt Fund Below is the key information for HDFC Credit Risk Debt Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (07 Aug 26) ₹25.3555 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹1,461 on 30 Jun 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.95 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 7.98% Effective Maturity 2 Years 9 Months 4 Days Modified Duration 2 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,671 31 Jul 23 ₹11,393 31 Jul 24 ₹12,311 31 Jul 25 ₹14,382 31 Jul 26 ₹16,089 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.6% 3 Month 2.8% 6 Month 4.8% 1 Year 12.2% 3 Year 12.3% 5 Year 10% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 13.4% 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% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 11.3 Yr. Mohit Sharma 6 Aug 20 5.99 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 4.06% Equity 6.62% Debt 88.93% Other 0.39% Debt Sector Allocation
Sector Value Corporate 67.96% Government 20.97% Cash Equivalent 4.06% Credit Quality
Rating Value A 16.95% AA 45.98% AAA 37.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -7% ₹106 Cr 10,500,000
↑ 10,500,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹75 Cr 7,500 Jubilant Bevco Limited
Debentures | -5% ₹72 Cr 6,500 Jtpm Metal TRaders Limited
Debentures | -4% ₹58 Cr 5,377 GMR Airports Limited
Debentures | -4% ₹55 Cr 5,200 Rec Limited
Debentures | -3% ₹50 Cr 5,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -3% ₹49 Cr 5,000 Tata Capital Housing Finance Ltd. 7.79%
Debentures | -3% ₹45 Cr 4,467 Hinduja Leyland Finance Limited
Debentures | -2% ₹35 Cr 3,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹34 Cr 3,500 2. Sundaram Low Duration Fund
Sundaram Low Duration Fund
Growth Launch Date 23 Apr 07 NAV (31 Dec 21) ₹28.8391 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹550 on 30 Nov 21 Category Debt - Low Duration AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately Low Expense Ratio 0.86 Sharpe Ratio 0.99 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 4.19% Effective Maturity 8 Months 1 Day Modified Duration 5 Months 18 Days Growth of 10,000 investment over the years.
Date Value Returns for Sundaram Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.3% 3 Month 1% 6 Month 10.2% 1 Year 11.8% 3 Year 5% 5 Year 5.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for Sundaram Low Duration Fund
Name Since Tenure Data below for Sundaram Low Duration Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (07 Aug 26) ₹43.7812 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹3,213 on 30 Jun 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 1.29 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 8.05% Effective Maturity 4 Years 7 Months 24 Days Modified Duration 3 Years 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹12,395 31 Jul 23 ₹13,292 31 Jul 24 ₹14,325 31 Jul 25 ₹16,281 31 Jul 26 ₹17,656 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.6% 6 Month 4.1% 1 Year 8.8% 3 Year 10% 5 Year 12.1% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 10.9% 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% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.92 Yr. Mohit Sharma 6 Aug 20 5.99 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 3.22% Equity 4.16% Debt 92.38% Other 0.23% Debt Sector Allocation
Sector Value Corporate 60.75% Government 31.63% Cash Equivalent 3.22% Credit Quality
Rating Value A 14.94% AA 37.18% AAA 47.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -12% ₹400 Cr 39,500,000
↑ 39,500,000 Bajaj Housing Finance Limited
Debentures | -5% ₹153 Cr 15,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹124 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹113 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹109 Cr 11,000 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹84 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹82 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹82 Cr 7,673 Kogta Financial (India) Limited
Debentures | -2% ₹72 Cr 7,250 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (07 Aug 26) ₹34.7659 ↑ 0.03 (0.08 %) Net Assets (Cr) ₹6,212 on 30 Jun 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 1.4 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.93% Effective Maturity 3 Years 1 Month 10 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,485 31 Jul 23 ₹11,193 31 Jul 24 ₹12,088 31 Jul 25 ₹13,217 31 Jul 26 ₹14,258 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.7% 3 Month 2.8% 6 Month 4.1% 1 Year 8.3% 3 Year 8.5% 5 Year 7.4% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.5% 2024 8.5% 2023 7.2% 2022 5.1% 2021 6.2% 2020 9.8% 2019 9.5% 2018 6.6% 2017 6.8% 2016 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.74 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Regular Savings Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 6.05% Equity 9.16% Debt 84.41% Other 0.38% Debt Sector Allocation
Sector Value Corporate 68.18% Government 17.38% Cash Equivalent 4.89% Credit Quality
Rating Value A 17.79% AA 59.68% AAA 22.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹247 Cr 24,464,800
↑ 6,926,400 Jtpm Metal TRaders Limited
Debentures | -4% ₹246 Cr 23,000 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹220 Cr 4,945,239
↓ -409,921 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹200 Cr 20,000 Keystone Realtors Limited
Debentures | -3% ₹199 Cr 23,500 Truhome Finance Ltd.
Debentures | -3% ₹197 Cr 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Adani Power Limited
Debentures | -3% ₹174 Cr 17,500 Nirma Limited
Debentures | -2% ₹150 Cr 15,000 5. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (07 Aug 26) ₹49.5523 ↑ 0.04 (0.09 %) Net Assets (Cr) ₹2,175 on 30 Jun 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 8.7% Effective Maturity 2 Years 8 Months 23 Days Modified Duration 2 Years 22 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,364 31 Jul 23 ₹11,210 31 Jul 24 ₹12,063 31 Jul 25 ₹13,111 31 Jul 26 ₹14,057 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.7% 3 Month 3% 6 Month 4.7% 1 Year 7.6% 3 Year 8% 5 Year 7.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.9% 2024 8.1% 2023 8.3% 2022 4.2% 2021 5% 2020 9.8% 2019 6.5% 2018 6.2% 2017 6.9% 2016 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 9.5 Yr. Prashanth Sridhar 1 Jul 26 0.08 Yr. Data below for SBI Credit Risk Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 8.93% Equity 6.49% Debt 84.19% Other 0.39% Debt Sector Allocation
Sector Value Corporate 66.66% Government 14.41% Cash Equivalent 8.93% Securitized 3.11% Credit Quality
Rating Value A 14.09% AA 58.95% AAA 26.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹100 Cr 11,000 Lodha Developers Limited
Debentures | -5% ₹100 Cr 10,000 Tata Projects Limited
Debentures | -5% ₹100 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 H.G. Infra Engineering Limited
Debentures | -5% ₹99 Cr 10,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹96 Cr 9,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹78 Cr 8,000,000
↓ -2,000,000 Jsw Kalinga Steel Limited
Debentures | -4% ₹77 Cr 7,500 Aditya Birla Renewables Limited
Debentures | -3% ₹75 Cr 7,500 6. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (07 Aug 26) ₹37.6158 ↑ 0.11 (0.28 %) Net Assets (Cr) ₹1,892 on 30 Jun 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.13 Sharpe Ratio 0.47 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.6% Effective Maturity 32 Years 1 Month 28 Days Modified Duration 10 Years 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,141 31 Jul 23 ₹10,742 31 Jul 24 ₹11,825 31 Jul 25 ₹12,568 31 Jul 26 ₹13,321 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month -0.7% 3 Month 3.6% 6 Month 6% 1 Year 7.3% 3 Year 7.7% 5 Year 6% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 2024 10.6% 2023 6.8% 2022 1.4% 2021 2.1% 2020 13.7% 2019 13.3% 2018 7.8% 2017 3.1% 2016 13.9% Fund Manager information for Bandhan Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 15.8 Yr. Brijesh Shah 10 Jun 24 2.14 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 3.08% Debt 96.92% Debt Sector Allocation
Sector Value Government 96.92% Cash Equivalent 3.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.24% Govt Stock 2055
Sovereign Bonds | -68% ₹1,278 Cr 130,100,000
↑ 10,600,000 7.3% Govt Stock 2053
Sovereign Bonds | -19% ₹361 Cr 36,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -9% ₹163 Cr 16,400,000 6.9% Govt Stock 2065
Sovereign Bonds | -1% ₹16 Cr 1,700,000 Net Current Assets
Net Current Assets | -2% ₹44 Cr Triparty Repo Trp_160726
CBLO/Reverse Repo | -1% ₹14 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 6.68% Govt Stock 2040
Sovereign Bonds | -₹0 Cr 00
↓ -11,500,000 7. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (07 Aug 26) ₹48.5709 ↑ 0.04 (0.08 %) Net Assets (Cr) ₹5,492 on 30 Jun 26 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 0.74 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 8.57% Effective Maturity 6 Years 2 Months 5 Days Modified Duration 3 Years 2 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,372 31 Jul 23 ₹11,087 31 Jul 24 ₹11,907 31 Jul 25 ₹13,011 31 Jul 26 ₹13,913 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.8% 6 Month 3.9% 1 Year 7.3% 3 Year 8% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 9% 2024 8% 2023 7% 2022 4.2% 2021 5.5% 2020 10.4% 2019 9.2% 2018 5.1% 2017 6.5% 2016 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.74 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 4.79% Equity 9.21% Debt 85.65% Other 0.35% Debt Sector Allocation
Sector Value Corporate 65.2% Government 20.45% Cash Equivalent 4.79% Credit Quality
Rating Value AA 67.36% AAA 32.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹201 Cr 19,854,300
↑ 4,815,900 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹200 Cr 4,512,980
↓ -165,880 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹184 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹175 Cr 17,500 Vedanta Limited
Debentures | -3% ₹171 Cr 17,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹162 Cr 17,500,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹160 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹150 Cr 15,000 TATA Projects Limited
Debentures | -3% ₹150 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹148 Cr 150 8. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (07 Aug 26) ₹37.9873 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,486 on 30 Jun 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 1.22 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 9.12% Effective Maturity 2 Years 5 Months 5 Days Modified Duration 2 Years 11 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,421 31 Jul 23 ₹11,194 31 Jul 24 ₹12,062 31 Jul 25 ₹13,238 31 Jul 26 ₹14,176 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.5% 3 Month 2.3% 6 Month 4.1% 1 Year 7.3% 3 Year 8.2% 5 Year 7.3% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.9% 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% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 8.19 Yr. Sushil Budhia 1 Feb 20 6.5 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Credit Risk Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 9.79% Debt 90.01% Other 0.21% Debt Sector Allocation
Sector Value Corporate 76.15% Government 17.08% Cash Equivalent 6.57% Credit Quality
Rating Value A 19.53% AA 41.83% AAA 38.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -5% ₹77 Cr 7,500,000 Triumph Composites Private Limited
Debentures | -4% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹56 Cr 5,500 Delhi International Airport Limited
Debentures | -3% ₹52 Cr 5,000 Mindspace Business Parks Reit
Debentures | -3% ₹50 Cr 5,000 HDFC Bank Ltd.
Debentures | -3% ₹48 Cr 1,000 Muthoot Fincorp Limited
Debentures | -3% ₹45 Cr 45,000 TRuhome Finance Limited
Debentures | -3% ₹41 Cr 4,000 Navi Finserv Limited
Debentures | -3% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -3% ₹40 Cr 4,000 9. Kotak Credit Risk Fund
Kotak Credit Risk Fund
Growth Launch Date 11 May 10 NAV (07 Aug 26) ₹31.8821 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹768 on 30 Jun 26 Category Debt - Credit Risk AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.71 Sharpe Ratio 0.66 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 8.95% Effective Maturity 2 Years 11 Months 5 Days Modified Duration 1 Year 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,102 31 Jul 23 ₹10,657 31 Jul 24 ₹11,518 31 Jul 25 ₹12,431 31 Jul 26 ₹13,270 Returns for Kotak Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.7% 3 Month 2.6% 6 Month 3.5% 1 Year 7.2% 3 Year 7.8% 5 Year 5.9% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.1% 2024 7.1% 2023 6.4% 2022 0.9% 2021 5.3% 2020 6.6% 2019 9% 2018 6.2% 2017 6.6% 2016 10.4% Fund Manager information for Kotak Credit Risk Fund
Name Since Tenure Deepak Agrawal 11 May 10 16.24 Yr. Vihag Mishra 24 Oct 25 0.77 Yr. Data below for Kotak Credit Risk Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 4.61% Equity 9.93% Debt 84.91% Other 0.54% Debt Sector Allocation
Sector Value Corporate 72.44% Government 12.47% Cash Equivalent 4.61% Credit Quality
Rating Value A 10.15% AA 66.66% AAA 23.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -7% ₹55 Cr 500 Vedanta Limited
Debentures | -7% ₹50 Cr 5,000 Muthoot Finance Limited
Debentures | -7% ₹50 Cr 5,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -7% ₹50 Cr 5,000 TATA Projects Limited
Debentures | -6% ₹50 Cr 5,000 Karnataka State Development Loans
Sovereign Bonds | -6% ₹45 Cr 4,500,000 Aditya Birla Real Estate Limited
Debentures | -6% ₹45 Cr 4,500 Aditya Birla Renewables Limited
Debentures | -5% ₹40 Cr 4,000 Indus Infra Trust Unit (Financial Services)
Equity, Since 15 Nov 25 | 5441375% ₹35 Cr 2,724,405 Au Small Finance Bank Limited
Debentures | -4% ₹30 Cr 30 10. HDFC Credit Risk Debt Fund
HDFC Credit Risk Debt Fund
Growth Launch Date 25 Mar 14 NAV (07 Aug 26) ₹26.002 ↑ 0.01 (0.06 %) Net Assets (Cr) ₹7,693 on 30 Jun 26 Category Debt - Credit Risk AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.51 Sharpe Ratio 0.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL) Yield to Maturity 8.8% Effective Maturity 3 Years 5 Months 23 Days Modified Duration 2 Years 2 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,352 31 Jul 23 ₹11,040 31 Jul 24 ₹11,849 31 Jul 25 ₹12,887 31 Jul 26 ₹13,755 Returns for HDFC Credit Risk Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 26 Duration Returns 1 Month 0.7% 3 Month 2.6% 6 Month 4.2% 1 Year 7.2% 3 Year 7.7% 5 Year 6.7% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2025 8% 2024 8.2% 2023 6.6% 2022 3.7% 2021 7% 2020 10.9% 2019 8.6% 2018 5.4% 2017 6.6% 2016 11% Fund Manager information for HDFC Credit Risk Debt Fund
Name Since Tenure Praveen Jain 7 Mar 26 0.4 Yr. Dhruv Muchhal 22 Jun 23 3.11 Yr. Bhavyesh Divecha 7 Mar 26 0.4 Yr. Data below for HDFC Credit Risk Debt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 4.52% Equity 4.87% Debt 89.05% Other 1.57% Debt Sector Allocation
Sector Value Corporate 74.46% Government 14.91% Cash Equivalent 4.19% Credit Quality
Rating Value A 10.2% AA 59.19% AAA 30.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -5% ₹367 Cr 35,000 Nirma Limited
Debentures | -4% ₹301 Cr 30,000 TATA Projects Limited
Debentures | -3% ₹250 Cr 25,000 Indus Infra Trust Unit (Financial Services)
Equity, Since 29 Feb 24 | 5441373% ₹243 Cr 18,951,606 The Tata Power Company Limited
Debentures | -3% ₹227 Cr 2,190 Jubilant Beverages Limited
Debentures | -3% ₹212 Cr 19,190 Aditya Birla Renewables Limited
Debentures | -3% ₹210 Cr 21,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹201 Cr 20,000 SK Finance Limited
Debentures | -3% ₹200 Cr 20,000 Kalpataru Projects International Limited
Debentures | -3% ₹200 Cr 20,000
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Research Highlights for Aditya Birla Sun Life Credit Risk Fund