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നിങ്ങളുടെ മൊത്തം നിക്ഷേപത്തിനായി ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on September 28, 2025 , 2388 views

സാധാരണയായി, ആരെങ്കിലും ആഗ്രഹിക്കുമ്പോൾമ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുക, അവർ ഒരു എടുക്കണമോ എന്ന് ആശയക്കുഴപ്പത്തിലാണ്SIP റൂട്ട് അല്ലെങ്കിൽ ഒരു വലിയ തുക. ഇത് നിങ്ങൾക്ക് ലളിതമാക്കാം! ഡെറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കാൻ ഉദ്ദേശിക്കുന്ന നിക്ഷേപകർ ഒറ്റത്തവണ പേയ്‌മെന്റ് മോഡ് തിരഞ്ഞെടുക്കണം, അതാണ് ഒരു വലിയ നിക്ഷേപ രീതി. കുറഞ്ഞ കാലയളവിൽ എളുപ്പത്തിൽ നിക്ഷേപിക്കുന്നത് എല്ലായ്പ്പോഴും ബുദ്ധിമാനാണ്ദ്രവ്യത.

ഡെബിറ്റ് മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപത്തിനുള്ള ആകെ തുക എന്തുകൊണ്ട്?

ഒരു വലിയ നിക്ഷേപത്തിന്, ഡെറ്റ് ഫണ്ടുകളെ അപേക്ഷിച്ച് മികച്ച ഓപ്ഷനാണ്ഇക്വിറ്റി മ്യൂച്വൽ ഫണ്ടുകൾ. ഒരു ലംപ് സം റൂട്ട് പലിശനിരക്കിലെ മാറ്റത്തിന്റെ അപകടസാധ്യത കുറയ്ക്കുകയും സ്ഥിര നിക്ഷേപങ്ങളുമായി (എഫ്ഡി) താരതമ്യപ്പെടുത്തുമ്പോൾ മികച്ച വരുമാനം നൽകുകയും ചെയ്യുന്നു. ഒരു കൂട്ടം റൂട്ട് എടുത്ത് നിങ്ങൾ ഡെറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കുമ്പോൾ, അത് രണ്ട് പ്രശ്നങ്ങൾ പരിഹരിക്കുന്നു- ഒന്ന് നികുതി ആനുകൂല്യങ്ങൾ, മറ്റൊന്ന് വീണ്ടും നിക്ഷേപ റിസ്ക്.

വർദ്ധിച്ചുവരുന്ന പലിശനിരക്കിനിടെ, ഉയർന്ന നിലവാരമുള്ള ഒരു പോർട്ട്‌ഫോളിയോ ഉപയോഗിച്ച് ഡെറ്റ് ഓറിയന്റഡ് ഫണ്ടുകളിൽ ഒരു വലിയ തുക എടുക്കാൻ ഇത് നല്ല സമയമാണ്ബോണ്ടുകൾ. നിഷ്‌ക്രിയ സമ്പാദ്യമുള്ളവരും മികച്ച വരുമാനത്തിനായി നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്നവരുമായ ആളുകൾക്ക് ഈ ഫണ്ടുകൾ സാധാരണയായി അനുയോജ്യമാണ്. എത്ര തുക അടച്ചാലും aമ്യൂച്വൽ ഫണ്ട്.

ചിട്ടയായതുമായി താരതമ്യപ്പെടുത്തുമ്പോൾ ഒരു വലിയ നിക്ഷേപം നന്നായി പ്രവർത്തിക്കുന്നുനിക്ഷേപ പദ്ധതി- വിപണിയിലെ മാന്ദ്യത്തിനിടയിലോ കുറഞ്ഞ മൂല്യനിർണ്ണയത്തിലോ നിക്ഷേപിച്ചാൽ മാത്രം. എന്നിരുന്നാലും, ആകെ തുകനിക്ഷേപം മാര്ക്കറ്റ് മൂല്യനിർണ്ണയം വലിച്ചുനീട്ടുമ്പോഴോ നിങ്ങളുടെ നിക്ഷേപത്തിന്റെ പ്രാരംഭ ഘട്ടത്തില് മാര്ക്കറ്റുകള് കുത്തനെ ശരിയാക്കുമ്പോഴോ ഒരാൾ അമിത നിക്ഷേപം നടത്തുകയാണെങ്കില് പ്രവർത്തിക്കില്ല.

Why Debt Mutual Fund for Lump sum Investing

ഡെറ്റ് ഫണ്ടുകളിൽ എങ്ങനെ നിക്ഷേപിക്കാം: ഒരു വിലയിരുത്തൽ നടത്തുക

ഫണ്ട് റിട്ടേൺസ്- ഒരു ഭക്ഷണത്തിന് നല്ല ട്രാക്ക് റെക്കോർഡ് ഉണ്ടായിരിക്കണം. സ്ഥിരമായ പ്രകടനം നൽകുന്നതിന്റെ ശക്തമായ ചരിത്രമുള്ള ഒരു ഫണ്ട് ഹ house സിനായി പോകുക. ഫണ്ടിന്റെ കഴിഞ്ഞ 1, 3, 5 വർഷത്തെ വരുമാനം പരിശോധിക്കുക, അതിന് അതിന്റെ മാനദണ്ഡത്തെ മറികടക്കാൻ കഴിയുമോ ഇല്ലയോ എന്ന് പരിശോധിക്കുക.

മാച്ച് ടൈം ഹൊറൈസൺസ്- ഡെറ്റ് ഫണ്ടുകൾ അതത് മെച്യൂരിറ്റി കാലയളവിനൊപ്പം വിവിധതരം നിക്ഷേപങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നു. നിക്ഷേപകർ‌ അവരുടെ മെച്യൂരിറ്റി കാലയളവിനെ അടിസ്ഥാനമാക്കി നിക്ഷേപം തീരുമാനിക്കേണ്ടതുണ്ട്, അതേസമയം മറ്റുള്ളവരുമായി താരതമ്യപ്പെടുത്താനും കഴിയുംഡെറ്റ് ഫണ്ട് ഉപകരണങ്ങൾ ഉപയോഗിച്ച് അവരുടെ പ്ലാനിന് ഏറ്റവും അനുയോജ്യമായ ഒന്ന് തിരഞ്ഞെടുക്കുക. ഉദാഹരണത്തിന്, നിങ്ങൾ ഒരു വർഷത്തെ നിക്ഷേപ പദ്ധതിയുടെ സമയപരിധി നോക്കുകയാണെങ്കിൽ, ഒരു ഹ്രസ്വകാല ഡെറ്റ് ഫണ്ടിന് അനുയോജ്യമാകും.

ചെലവ് അനുപാതം- ഡെറ്റ് ഫണ്ടുകളിൽ പരിഗണിക്കേണ്ട ഒരു പ്രധാന ഘടകം അതിന്റെ ചെലവ് അനുപാതമാണ്. ഉയർന്ന ചെലവ് അനുപാതം ഫണ്ടുകളുടെ പ്രകടനത്തിൽ വലിയ സ്വാധീനം സൃഷ്ടിക്കുന്നു. ഉദാഹരണത്തിന്,ലിക്വിഡ് ഫണ്ടുകൾ 50 ബി‌പി‌എസ് വരെയുള്ള ഏറ്റവും കുറഞ്ഞ ചെലവ് അനുപാതങ്ങൾ ഉണ്ടായിരിക്കുക (പലിശനിരക്ക് അളക്കുന്നതിനുള്ള ഒരു യൂണിറ്റാണ് ബി‌പി‌എസ്, അതിൽ ഒരു ബി‌പി‌എസ് 1% ന്റെ 1/100 ന് തുല്യമാണ്) അതേസമയം, മറ്റ് ഡെറ്റ് ഫണ്ടുകൾക്ക് 150 ബി‌പി‌എസ് വരെ ഈടാക്കാം. അതിനാൽ, ഒരു ഡെറ്റ് മ്യൂച്വൽ ഫണ്ട് തമ്മിൽ ഒരു തിരഞ്ഞെടുപ്പ് നടത്താൻ, മാനേജുമെന്റ് ഫീസ് അല്ലെങ്കിൽ ഫണ്ട് പ്രവർത്തന ചെലവ് പരിഗണിക്കേണ്ടത് പ്രധാനമാണ്.

മികച്ച 10 മികച്ച തുക കടം മ്യൂച്വൽ ഫണ്ടുകൾ 2020 - 2021

നിന്നുള്ള ഏറ്റവും മികച്ച റാങ്ക് ഫണ്ടുകൾ ചുവടെകടം വിഭാഗങ്ങൾ പ്രാഥമികമായി ഫണ്ടുകൾ ഉള്ളവയാണ്AUM> 2000 കോടി & അൾട്രാ-ഹ്രസ്വ, കോർപ്പറേറ്റ് ബോണ്ട്, ക്രെഡിറ്റ് റിസ്ക്, കുറഞ്ഞ കാലയളവ് ഉപ വിഭാഗങ്ങളിലാണ്.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹557.892
↑ 0.23
₹21,521 1,000 1.63.87.87.57.96.76%5M 8D6M 11D
HDFC Corporate Bond Fund Growth ₹33.0074
↑ 0.04
₹35,700 5,000 13.57.67.88.67.06%4Y 2M 1D4Y 4M 28D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹114.464
↑ 0.20
₹28,109 1,000 0.93.37.57.88.57.21%4Y 8M 8D7Y 3M
SBI Credit Risk Fund Growth ₹46.4538
↑ 0.06
₹2,210 5,000 1.548.28.18.18.17%2Y 2M 26D3Y 18D
ICICI Prudential Corporate Bond Fund Growth ₹30.3306
↑ 0.02
₹33,574 5,000 1.33.88.17.887%3Y 18D5Y 9M 18D
Nippon India Prime Debt Fund Growth ₹60.9739
↑ 0.08
₹10,042 1,000 13.9888.46.81%3Y 6M 7D4Y 7M 20D
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 6 Funds showcased

CommentaryAditya Birla Sun Life Savings FundHDFC Corporate Bond FundAditya Birla Sun Life Corporate Bond FundSBI Credit Risk FundICICI Prudential Corporate Bond FundNippon India Prime Debt Fund
Point 1Lower mid AUM (₹21,521 Cr).Highest AUM (₹35,700 Cr).Upper mid AUM (₹28,109 Cr).Bottom quartile AUM (₹2,210 Cr).Upper mid AUM (₹33,574 Cr).Bottom quartile AUM (₹10,042 Cr).
Point 2Established history (22+ yrs).Established history (15+ yrs).Oldest track record among peers (28 yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (25+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 7.83% (lower mid).1Y return: 7.55% (bottom quartile).1Y return: 7.45% (bottom quartile).1Y return: 8.23% (top quartile).1Y return: 8.11% (upper mid).1Y return: 8.02% (upper mid).
Point 61M return: 0.54% (bottom quartile).1M return: 0.70% (upper mid).1M return: 0.74% (top quartile).1M return: 0.68% (upper mid).1M return: 0.64% (bottom quartile).1M return: 0.67% (lower mid).
Point 7Sharpe: 3.66 (top quartile).Sharpe: 0.68 (bottom quartile).Sharpe: 0.66 (bottom quartile).Sharpe: 1.72 (upper mid).Sharpe: 1.36 (upper mid).Sharpe: 1.00 (lower mid).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.76% (bottom quartile).Yield to maturity (debt): 7.06% (upper mid).Yield to maturity (debt): 7.21% (upper mid).Yield to maturity (debt): 8.17% (top quartile).Yield to maturity (debt): 7.00% (lower mid).Yield to maturity (debt): 6.81% (bottom quartile).
Point 10Modified duration: 0.44 yrs (top quartile).Modified duration: 4.17 yrs (bottom quartile).Modified duration: 4.69 yrs (bottom quartile).Modified duration: 2.24 yrs (upper mid).Modified duration: 3.05 yrs (upper mid).Modified duration: 3.52 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

  • Lower mid AUM (₹21,521 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.83% (lower mid).
  • 1M return: 0.54% (bottom quartile).
  • Sharpe: 3.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 0.44 yrs (top quartile).

HDFC Corporate Bond Fund

  • Highest AUM (₹35,700 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.55% (bottom quartile).
  • 1M return: 0.70% (upper mid).
  • Sharpe: 0.68 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.06% (upper mid).
  • Modified duration: 4.17 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

  • Upper mid AUM (₹28,109 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.45% (bottom quartile).
  • 1M return: 0.74% (top quartile).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.21% (upper mid).
  • Modified duration: 4.69 yrs (bottom quartile).

SBI Credit Risk Fund

  • Bottom quartile AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.23% (top quartile).
  • 1M return: 0.68% (upper mid).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

  • Upper mid AUM (₹33,574 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.11% (upper mid).
  • 1M return: 0.64% (bottom quartile).
  • Sharpe: 1.36 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.00% (lower mid).
  • Modified duration: 3.05 yrs (upper mid).

Nippon India Prime Debt Fund

  • Bottom quartile AUM (₹10,042 Cr).
  • Established history (25+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.02% (upper mid).
  • 1M return: 0.67% (lower mid).
  • Sharpe: 1.00 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 3.52 yrs (lower mid).

1. Aditya Birla Sun Life Savings Fund

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

Research Highlights for Aditya Birla Sun Life Savings Fund

  • Lower mid AUM (₹21,521 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.83% (lower mid).
  • 1M return: 0.54% (bottom quartile).
  • Sharpe: 3.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 0.44 yrs (top quartile).
  • Average maturity: 0.53 yrs (top quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~44%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~2.8%).

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

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (01 Oct 25) ₹557.892 ↑ 0.23   (0.04 %)
Net Assets (Cr) ₹21,521 on 31 Aug 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.66
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.76%
Effective Maturity 6 Months 11 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,435
30 Sep 22₹10,856
30 Sep 23₹11,624
30 Sep 24₹12,503
30 Sep 25₹13,481

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.8%
1 Year 7.8%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1411.21 Yr.
Kaustubh Gupta15 Jul 1114.14 Yr.
Monika Gandhi22 Mar 214.45 Yr.

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

Asset Allocation
Asset ClassValue
Cash43.9%
Debt55.85%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate58.06%
Cash Equivalent25.58%
Government16.11%
Credit Quality
RatingValue
AA30.25%
AAA69.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹487 Cr48,500
07.22 GJ Sdl 2028
Sovereign Bonds | -
2%₹377 Cr37,500,000
Mankind Pharma Limited
Debentures | -
2%₹348 Cr34,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹341 Cr3,400
↑ 250
Bharti Telecom Limited
Debentures | -
1%₹321 Cr3,200
Avanse Financial Services Limited
Debentures | -
1%₹301 Cr30,000
Power Finance Corporation Limited
Debentures | -
1%₹298 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
1%₹271 Cr27,000
Bharti Telecom Limited
Debentures | -
1%₹261 Cr2,600

2. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

Research Highlights for HDFC Corporate Bond Fund

  • Highest AUM (₹35,700 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.55% (bottom quartile).
  • 1M return: 0.70% (upper mid).
  • Sharpe: 0.68 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.06% (upper mid).
  • Modified duration: 4.17 yrs (bottom quartile).
  • Average maturity: 4.41 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.92% Govt Stock 2039 (~5.9%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund
Growth
Launch Date 29 Jun 10
NAV (01 Oct 25) ₹33.0074 ↑ 0.04   (0.11 %)
Net Assets (Cr) ₹35,700 on 31 Aug 25
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio 0.68
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.06%
Effective Maturity 4 Years 4 Months 28 Days
Modified Duration 4 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,623
30 Sep 22₹10,869
30 Sep 23₹11,663
30 Sep 24₹12,648
30 Sep 25₹13,603

HDFC Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Corporate Bond Fund

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

DurationReturns
1 Month 0.7%
3 Month 1%
6 Month 3.5%
1 Year 7.6%
3 Year 7.8%
5 Year 6.3%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.6%
2023 7.2%
2022 3.3%
2021 3.9%
2020 11.8%
2019 10.3%
2018 6.5%
2017 6.5%
2016 10.6%
2015 8.6%
Fund Manager information for HDFC Corporate Bond Fund
NameSinceTenure
Anupam Joshi27 Oct 159.85 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.12%
Debt96.61%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate56.94%
Government37.7%
Cash Equivalent3.12%
Securitized1.96%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
6%₹2,088 Cr207,500,000
↓ -19,000,000
Bajaj Finance Limited
Debentures | -
3%₹1,125 Cr112,500
7.81% Govt Stock 2033
Sovereign Bonds | -
3%₹922 Cr89,000,000
6.68% Govt Stock 2040
Sovereign Bonds | -
2%₹838 Cr85,000,000
↓ -5,000,000
State Bank Of India
Debentures | -
2%₹796 Cr800
HDFC Bank Limited
Debentures | -
1%₹513 Cr50,000
Small Industries Development Bank Of India
Debentures | -
1%₹508 Cr50,000
LIC Housing Finance Ltd
Debentures | -
1%₹508 Cr5,000
6.9% Govt Stock 2065
Sovereign Bonds | -
1%₹490 Cr51,500,000
↑ 1,500,000
6.99% Govt Stock 2034
Sovereign Bonds | -
1%₹485 Cr47,500,000

3. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

  • Upper mid AUM (₹28,109 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.45% (bottom quartile).
  • 1M return: 0.74% (top quartile).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.21% (upper mid).
  • Modified duration: 4.69 yrs (bottom quartile).
  • Average maturity: 7.25 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.92% Govt Stock 2039 (~9.4%).

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

Aditya Birla Sun Life Corporate Bond Fund
Growth
Launch Date 3 Mar 97
NAV (01 Oct 25) ₹114.464 ↑ 0.20   (0.17 %)
Net Assets (Cr) ₹28,109 on 31 Aug 25
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 0.66
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.21%
Effective Maturity 7 Years 3 Months
Modified Duration 4 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,613
30 Sep 22₹10,931
30 Sep 23₹11,729
30 Sep 24₹12,742
30 Sep 25₹13,692

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Corporate Bond Fund

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

DurationReturns
1 Month 0.7%
3 Month 0.9%
6 Month 3.3%
1 Year 7.5%
3 Year 7.8%
5 Year 6.5%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.5%
2023 7.3%
2022 4.1%
2021 4%
2020 11.9%
2019 9.6%
2018 7%
2017 6.5%
2016 10.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Kaustubh Gupta12 Apr 214.39 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.14%
Debt96.58%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate55.36%
Government40.11%
Cash Equivalent3.14%
Securitized1.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
9%₹2,654 Cr263,736,200
↓ -5,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹2,232 Cr220,000,000
↑ 6,500,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹1,153 Cr113,500
6.68% Govt Stock 2040
Sovereign Bonds | -
3%₹784 Cr79,500,000
↑ 16,000,000
Small Industries Development Bank Of India
Debentures | -
3%₹748 Cr74,550
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹586 Cr59,000
Rec Limited
Debentures | -
2%₹580 Cr60,000
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹570 Cr55,161,700
Bajaj Housing Finance Limited
Debentures | -
2%₹560 Cr55,000
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹533 Cr53,000,000
↓ -4,500,000

4. SBI Credit Risk Fund

(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

  • Bottom quartile AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.23% (top quartile).
  • 1M return: 0.68% (upper mid).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (upper mid).
  • Average maturity: 3.05 yrs (upper mid).
  • Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
  • Top sector: Industrials.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~80%).
  • Largest holding 6.92% Govt Stock 2039 (~6.8%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (01 Oct 25) ₹46.4538 ↑ 0.06   (0.12 %)
Net Assets (Cr) ₹2,210 on 15 Sep 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 1.72
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 8.17%
Effective Maturity 3 Years 18 Days
Modified Duration 2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,722
30 Sep 22₹11,089
30 Sep 23₹12,006
30 Sep 24₹12,950
30 Sep 25₹14,016

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI 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 1 Oct 25

DurationReturns
1 Month 0.7%
3 Month 1.5%
6 Month 4%
1 Year 8.2%
3 Year 8.1%
5 Year 7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2015 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.59 Yr.

Data below for SBI Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.16%
Equity3.01%
Debt91.46%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate69.63%
Government21.83%
Cash Equivalent5.16%
Credit Quality
RatingValue
A20.2%
AA64.02%
AAA15.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹151 Cr15,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹113 Cr11,200
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹107 Cr10,500,000
↑ 2,500,000
Infopark Properties Limited
Debentures | -
5%₹106 Cr10,500
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹106 Cr11,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹102 Cr10,000
↑ 10,000
H.G. Infra Engineering Limited
Debentures | -
5%₹100 Cr10,000
Nj Capital Private Limited
Debentures | -
5%₹99 Cr10,000
The Sandur Manganese And Iron Ores Limited
Debentures | -
4%₹83 Cr8,500
Avanse Financial Services Limited
Debentures | -
4%₹80 Cr8,000

5. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for ICICI Prudential Corporate Bond Fund

  • Upper mid AUM (₹33,574 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.11% (upper mid).
  • 1M return: 0.64% (bottom quartile).
  • Sharpe: 1.36 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.00% (lower mid).
  • Modified duration: 3.05 yrs (upper mid).
  • Average maturity: 5.80 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~99%).
  • Largest holding 7.81% Govt Stock 2033 (~4.8%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (01 Oct 25) ₹30.3306 ↑ 0.02   (0.08 %)
Net Assets (Cr) ₹33,574 on 15 Sep 25
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio 1.36
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7%
Effective Maturity 5 Years 9 Months 18 Days
Modified Duration 3 Years 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,593
30 Sep 22₹10,971
30 Sep 23₹11,788
30 Sep 24₹12,714
30 Sep 25₹13,745

ICICI Prudential Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Corporate Bond Fund

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

DurationReturns
1 Month 0.6%
3 Month 1.3%
6 Month 3.8%
1 Year 8.1%
3 Year 7.8%
5 Year 6.6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8%
2023 7.6%
2022 4.5%
2021 4.1%
2020 10.4%
2019 9.9%
2018 6.4%
2017 6.3%
2016 9.8%
2015 8.8%
Fund Manager information for ICICI Prudential Corporate Bond Fund
NameSinceTenure
Manish Banthia22 Jan 241.61 Yr.
Ritesh Lunawat22 Jan 241.61 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.53%
Debt96.2%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate57.2%
Government33.33%
Securitized5.81%
Cash Equivalent3.39%
Credit Quality
RatingValue
AAA99.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.81% Govt Stock 2033
Sovereign Bonds | -
5%₹1,619 Cr156,277,360
↓ -29,000,000
LIC Housing Finance Ltd
Debentures | -
4%₹1,453 Cr143,500
Siddhivinayak Securitisation Trust **
Unlisted bonds | -
3%₹1,000 Cr1,000
↑ 1,000
Shivshakti Securitisation Trust **
Unlisted bonds | -
3%₹950 Cr950
↑ 950
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹887 Cr87,382,410
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹864 Cr83,594,780
Pipeline Infrastructure Limited
Debentures | -
2%₹826 Cr80,500
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹588 Cr58,412,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹564 Cr55,550
6.9% Govt Stock 2065
Sovereign Bonds | -
2%₹538 Cr56,500,000

6. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Research Highlights for Nippon India Prime Debt Fund

  • Bottom quartile AUM (₹10,042 Cr).
  • Established history (25+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.02% (upper mid).
  • 1M return: 0.67% (lower mid).
  • Sharpe: 1.00 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 3.52 yrs (lower mid).
  • Average maturity: 4.64 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~4.0%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund
Growth
Launch Date 14 Sep 00
NAV (01 Oct 25) ₹60.9739 ↑ 0.08   (0.13 %)
Net Assets (Cr) ₹10,042 on 31 Aug 25
Category Debt - Corporate Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.71
Sharpe Ratio 1
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.81%
Effective Maturity 4 Years 7 Months 20 Days
Modified Duration 3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,637
30 Sep 22₹10,990
30 Sep 23₹11,794
30 Sep 24₹12,801
30 Sep 25₹13,827

Nippon India Prime Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Prime Debt Fund

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

DurationReturns
1 Month 0.7%
3 Month 1%
6 Month 3.9%
1 Year 8%
3 Year 8%
5 Year 6.7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.4%
2023 7.1%
2022 4.3%
2021 4.7%
2020 9.5%
2019 7.8%
2018 6.9%
2017 6.6%
2016 9.1%
2015 8.7%
Fund Manager information for Nippon India Prime Debt Fund
NameSinceTenure
Vivek Sharma1 Feb 205.59 Yr.
Kinjal Desai25 May 187.28 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.96%
Debt95.78%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate54.35%
Government38.17%
Securitized3.98%
Cash Equivalent3.25%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹406 Cr40,000,000
↓ -5,000,000
7.02% Govt Stock 2031
Sovereign Bonds | -
3%₹329 Cr32,000,000
↓ -18,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
3%₹252 Cr25,000,000
↓ -10,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹223 Cr22,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹210 Cr20,500
Aditya Birla Housing Finance Limited
Debentures | -
2%₹203 Cr20,000
Shivshakti Securitisation Trust**
Unlisted bonds | -
2%₹200 Cr200
↑ 200
Siddhivinayak Securitisation Trust**
Unlisted bonds | -
2%₹200 Cr200
↑ 200
Andhra Pradesh (Government of) 6.77%
- | -
2%₹197 Cr20,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹178 Cr17,500

ലംപ് സം ഡെറ്റ് മ്യൂച്വൽ ഫണ്ട് ഓൺ‌ലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

  1. ഫിൻ‌കാഷ് ഡോട്ട് കോമിൽ ആജീവനാന്ത സ Invest ജന്യ നിക്ഷേപ അക്ക Open ണ്ട് തുറക്കുക.

  2. നിങ്ങളുടെ രജിസ്ട്രേഷനും കെ‌വൈ‌സി പ്രക്രിയയും പൂർത്തിയാക്കുക

  3. പ്രമാണങ്ങൾ അപ്‌ലോഡുചെയ്യുക (പാൻ, ആധാർ മുതലായവ).നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!

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