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सर्वोत्कृष्ट डेट म्युच्युअल फंड 2022

Updated on September 19, 2025 , 64832 views

सर्वोत्कृष्ट कर्ज निधी गुंतवणूकीच्या कालावधीनुसार बदलतातगुंतवणूकदार. सर्वोत्कृष्ट निवडताना गुंतवणूकदारांनी त्यांच्या गुंतवणुकीच्या क्षितिजावर स्पष्ट असणे आवश्यक आहेकर्ज निधी त्यांच्या गुंतवणुकीसाठी आणि व्याजदर परिस्थितीमध्ये देखील घटक.

खूप कमी होल्डिंग कालावधी असलेल्या गुंतवणूकदारांसाठी, काही दिवस ते एक महिना म्हणा,लिक्विड फंड आणि अति-अल्पकालीन निधी संबंधित असू शकते. जेव्हा वेळ क्षितिज एक ते दोन वर्षांचा असतो तेव्हा अल्पकालीन निधी हे इच्छित साधन असू शकते. दीर्घ मुदतीसाठी, 3 वर्षांहून अधिक काळासाठी, दीर्घकालीन डेट फंड हे गुंतवणूकदारांचे सर्वाधिक पसंतीचे साधन आहेत, विशेषत: घसरलेल्या व्याजदराच्या वेळी. सर्वात महत्त्वाचे म्हणजे, डेट फंड पेक्षा कमी धोकादायक असल्याचे सिद्ध झाले आहेइक्विटी अल्पकालीन गुंतवणूक शोधत असताना, तथापि, दीर्घकालीन उत्पन्न निधीची अस्थिरता इक्विटीशी जुळू शकते.

Best Debt Funds

डेट फंड सरकारी सिक्युरिटीज, ट्रेझरी बिले, कॉर्पोरेट यांसारख्या निश्चित उत्पन्न साधनांमध्ये गुंतवणूक करतात म्हणूनबंध, इत्यादी, त्यांच्याकडे कालांतराने सातत्यपूर्ण आणि नियमित परतावा निर्माण करण्याची क्षमता आहे. तथापि, गुंतवणुकीसाठी सर्वोत्तम डेट फंड निवडण्यापूर्वी अनेक गुणात्मक आणि परिमाणात्मक घटक समजून घेणे आवश्यक आहे, उदा - AUM, सरासरी परिपक्वता, कर आकारणी, पोर्टफोलिओची क्रेडिट गुणवत्ता इ. खाली आम्ही शीर्ष 5 सर्वोत्तम डेट फंडांची यादी केली आहे. डेट फंडाच्या विविध श्रेणींमध्ये गुंतवणूक करण्यासाठी -सर्वोत्तम लिक्विड फंड, सर्वोत्तम अल्ट्रा शॉर्ट टर्म फंड,सर्वोत्तम अल्पकालीन निधी, सर्वोत्तम दीर्घकालीन निधी आणि सर्वोत्तमगिल्ट फंड 2022 - 2023 मध्ये गुंतवणूक करा.

डेट म्युच्युअल फंडात गुंतवणूक का करावी?

a नियमित उत्पन्न मिळविण्यासाठी डेट फंड ही एक आदर्श गुंतवणूक मानली जाते. उदाहरणार्थ, लाभांश पेआउट निवडणे हा नियमित उत्पन्नाचा पर्याय असू शकतो.

b डेट फंडांमध्ये, गुंतवणूकदार कोणत्याही वेळी गुंतवणुकीतून आवश्यक पैसे काढू शकतात आणि उर्वरित पैसे गुंतवू शकतात.

c डेट फंड मोठ्या प्रमाणावर सरकारी सिक्युरिटीज, कॉर्पोरेट डेट आणि इतर सिक्युरिटीज जसे की ट्रेझरी बिले इत्यादींमध्ये गुंतवणूक करत असल्याने, त्यांना इक्विटी बाजारातील अस्थिरतेचा परिणाम होत नाही.

d जर एखादा गुंतवणूकदार अल्प-मुदतीसाठी साध्य करण्याचा विचार करत असेलआर्थिक उद्दिष्टे किंवा कमी कालावधीसाठी गुंतवणूक करा मग डेट फंड हा चांगला पर्याय असू शकतो. लिक्विड फंड, अल्ट्रा शॉर्ट टर्म फंड आणि शॉर्ट टर्म इन्कम फंड हे इच्छित पर्याय असू शकतात.

ई डेट फंडांमध्ये, गुंतवणूकदार एक पद्धतशीर पैसे काढण्याची योजना सुरू करून दर महिन्याला निश्चित उत्पन्न मिळवू शकतात (SWP याच्या उलट आहेSIP /कृपया) मासिक आधारावर निश्चित रक्कम काढणे. तसेच, जेव्हा आवश्यक असेल तेव्हा तुम्ही SWP ची रक्कम बदलू शकता.

डेट म्युच्युअल फंडातील जोखीम

असतानागुंतवणूक डेट फंडांमध्ये, गुंतवणूकदारांनी त्यांच्याशी संबंधित दोन प्रमुख जोखमींबद्दल सावध असले पाहिजे- क्रेडिट जोखीम आणि व्याज जोखीम.

a उधारीची जोखीम

जेव्हा कर्जाची साधने जारी केलेली कंपनी नियमित पेमेंट करत नाही तेव्हा क्रेडिट जोखीम उद्भवते. अशा परिस्थितीत, फंडाचा पोर्टफोलिओमध्ये किती भाग आहे यावर त्याचा फंडावर मोठा परिणाम होतो. म्हणून, अधिक रेटिंग असलेल्या कर्ज साधनांमध्ये असण्याची सूचना केली जाते. अएएए कमी किंवा नगण्य पेमेंटसह रेटिंग ही सर्वोच्च गुणवत्ता मानली जातेअविचल जोखीम.

b व्याज जोखीम

व्याजदर जोखीम प्रचलित व्याजदरातील बदलामुळे बाँडच्या किमतीतील बदलास सूचित करते. जेव्हा अर्थव्यवस्थेत व्याजदर वाढतात तेव्हा रोख्यांच्या किमती खाली येतात आणि त्याउलट. फंडाच्या पोर्टफोलिओची मॅच्युरिटी जितकी जास्त असेल तितका तो व्याजदराच्या जोखमीसाठी अधिक प्रवण असतो. त्यामुळे वाढत्या व्याजदराच्या परिस्थितीत, कमी मुदतीच्या कर्ज निधीसाठी जाण्याचा सल्ला दिला जातो. आणि घसरलेल्या व्याजदर परिस्थितीत उलट.

डेट म्युच्युअल फंड कर आकारणी

डेट फंडावरील कराची गणना खालील पद्धतीने केली जाते-

a शॉर्ट टर्म कॅपिटल गेन

जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा कमी असेल, तर ती अल्प-मुदतीची गुंतवणूक म्हणून वर्गीकृत केली जाते आणि त्यावर व्यक्तीच्या कर स्लॅबनुसार कर आकारला जातो.

b दीर्घकालीन भांडवली नफा

जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा जास्त असेल, तर ती दीर्घकालीन गुंतवणूक म्हणून वर्गीकृत केली जाते आणि इंडेक्सेशन लाभासह 20% कर आकारला जातो.

भांडवल फायदा होतो गुंतवणूक होल्डिंग नफा कर आकारणी
अल्पकालीनभांडवली नफा 36 महिन्यांपेक्षा कमी व्यक्तीच्या कर स्लॅबनुसार
दीर्घकालीन भांडवली नफा 36 महिन्यांहून अधिक इंडेक्सेशन लाभांसह 20%

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आर्थिक वर्ष 22 - 23 गुंतवणुकीसाठी भारतातील सर्वोत्तम डेट म्युच्युअल फंड

शीर्ष 5 लिक्विड म्युच्युअल फंड

शीर्षस्थानीद्रव एयूएम/निव्वळ मालमत्ता > 10 असलेले निधी,000 कोटी.

FundNAVNet Assets (Cr)Min Investment1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Liquid Fund Growth ₹2,944.89
↑ 0.46 		₹37,122 500 0.51.43.36.97.45.9%1M 9D1M 11D
Invesco India Liquid Fund Growth ₹3,635.12
↑ 0.57 		₹14,543 5,000 0.51.43.36.97.45.84%1M 10D1M 10D
Tata Liquid Fund Growth ₹4,165.52
↑ 0.64 		₹20,404 5,000 0.51.43.36.97.35.94%1M 9D1M 9D
Aditya Birla Sun Life Liquid Fund Growth ₹426.166
↑ 0.07 		₹49,721 5,000 0.51.43.36.97.36%1M 2D1M 2D
Nippon India Liquid Fund  Growth ₹6,454.19
↑ 1.00 		₹30,965 100 0.51.43.36.87.35.89%1M 10D1M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAxis Liquid FundInvesco India Liquid FundTata Liquid FundAditya Birla Sun Life Liquid FundNippon India Liquid Fund 
Point 1Upper mid AUM (₹37,122 Cr).Bottom quartile AUM (₹14,543 Cr).Bottom quartile AUM (₹20,404 Cr).Highest AUM (₹49,721 Cr).Lower mid AUM (₹30,965 Cr).
Point 2Established history (15+ yrs).Established history (18+ yrs).Oldest track record among peers (21 yrs).Established history (21+ yrs).Established history (21+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.91% (top quartile).1Y return: 6.87% (upper mid).1Y return: 6.86% (lower mid).1Y return: 6.86% (bottom quartile).1Y return: 6.84% (bottom quartile).
Point 61M return: 0.47% (lower mid).1M return: 0.47% (bottom quartile).1M return: 0.47% (upper mid).1M return: 0.48% (top quartile).1M return: 0.47% (bottom quartile).
Point 7Sharpe: 3.41 (bottom quartile).Sharpe: 3.79 (top quartile).Sharpe: 3.56 (upper mid).Sharpe: 3.41 (lower mid).Sharpe: 3.30 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 5.90% (lower mid).Yield to maturity (debt): 5.84% (bottom quartile).Yield to maturity (debt): 5.94% (upper mid).Yield to maturity (debt): 6.00% (top quartile).Yield to maturity (debt): 5.89% (bottom quartile).
Point 10Modified duration: 0.11 yrs (upper mid).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

  • Upper mid AUM (₹37,122 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.91% (top quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.41 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.90% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

Invesco India Liquid Fund

  • Bottom quartile AUM (₹14,543 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.87% (upper mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.79 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.84% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

Tata Liquid Fund

  • Bottom quartile AUM (₹20,404 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.86% (lower mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.94% (upper mid).
  • Modified duration: 0.11 yrs (lower mid).

Aditya Birla Sun Life Liquid Fund

  • Highest AUM (₹49,721 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.86% (bottom quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.41 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.00% (top quartile).
  • Modified duration: 0.09 yrs (top quartile).

Nippon India Liquid Fund 

  • Lower mid AUM (₹30,965 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.84% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.30 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.89% (bottom quartile).
  • Modified duration: 0.11 yrs (bottom quartile).

टॉप 5 अल्ट्रा शॉर्ट टर्म बाँड म्युच्युअल फंड

शीर्षस्थानीअल्ट्रा शॉर्ट बाँड एयूएम/निव्वळ मालमत्ता > 1,000 कोटी असलेले निधी.

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 ₹556.548
↑ 0.06 		₹21,521 1,000 1.647.97.47.96.76%5M 8D6M 11D
UTI Ultra Short Term Fund Growth ₹4,294.42
↑ 0.53 		₹4,181 5,000 1.43.676.97.26.4%4M 28D5M 19D
ICICI Prudential Ultra Short Term Fund Growth ₹28.092
↑ 0.00 		₹16,980 5,000 1.53.87.47.17.56.66%4M 20D7M 2D
SBI Magnum Ultra Short Duration Fund Growth ₹6,056.72
↑ 0.92 		₹15,525 5,000 1.53.77.37.17.46.22%5M 8D6M
Invesco India Ultra Short Term Fund Growth ₹2,733.54
↑ 0.41 		₹1,330 5,000 1.43.67.26.97.56.35%5M 16D5M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Savings FundUTI Ultra Short Term FundICICI Prudential Ultra Short Term FundSBI Magnum Ultra Short Duration FundInvesco India Ultra Short Term Fund
Point 1Highest AUM (₹21,521 Cr).Bottom quartile AUM (₹4,181 Cr).Upper mid AUM (₹16,980 Cr).Lower mid AUM (₹15,525 Cr).Bottom quartile AUM (₹1,330 Cr).
Point 2Established history (22+ yrs).Established history (22+ yrs).Established history (14+ yrs).Oldest track record among peers (26 yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Low.Risk profile: Moderate.
Point 51Y return: 7.88% (top quartile).1Y return: 7.00% (bottom quartile).1Y return: 7.39% (upper mid).1Y return: 7.28% (lower mid).1Y return: 7.23% (bottom quartile).
Point 61M return: 0.48% (top quartile).1M return: 0.44% (bottom quartile).1M return: 0.46% (lower mid).1M return: 0.46% (upper mid).1M return: 0.45% (bottom quartile).
Point 7Sharpe: 3.66 (top quartile).Sharpe: 1.96 (bottom quartile).Sharpe: 2.88 (upper mid).Sharpe: 2.74 (bottom quartile).Sharpe: 2.79 (lower mid).
Point 8Information 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 9Yield to maturity (debt): 6.76% (top quartile).Yield to maturity (debt): 6.40% (lower mid).Yield to maturity (debt): 6.66% (upper mid).Yield to maturity (debt): 6.22% (bottom quartile).Yield to maturity (debt): 6.35% (bottom quartile).
Point 10Modified duration: 0.44 yrs (lower mid).Modified duration: 0.41 yrs (upper mid).Modified duration: 0.39 yrs (top quartile).Modified duration: 0.44 yrs (bottom quartile).Modified duration: 0.46 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹21,521 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.88% (top quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.76% (top quartile).
  • Modified duration: 0.44 yrs (lower mid).

UTI Ultra Short Term Fund

  • Bottom quartile AUM (₹4,181 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.00% (bottom quartile).
  • 1M return: 0.44% (bottom quartile).
  • Sharpe: 1.96 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.40% (lower mid).
  • Modified duration: 0.41 yrs (upper mid).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹16,980 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.39% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 2.88 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.39 yrs (top quartile).

SBI Magnum Ultra Short Duration Fund

  • Lower mid AUM (₹15,525 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.28% (lower mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 2.74 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.22% (bottom quartile).
  • Modified duration: 0.44 yrs (bottom quartile).

Invesco India Ultra Short Term Fund

  • Bottom quartile AUM (₹1,330 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.23% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 2.79 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.35% (bottom quartile).
  • Modified duration: 0.46 yrs (bottom quartile).

शीर्ष आणि सर्वोत्तम फ्लोटिंग रेट म्युच्युअल फंड

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Floating Rate Fund - Long Term Growth ₹353.047
↑ 0.03 		₹13,518 1,000 1.44.287.67.96.75%9M 22D1Y 8M 8D
Nippon India Floating Rate Fund Growth ₹45.8448
↓ 0.00 		₹8,225 5,000 1.24.58.37.78.26.88%2Y 6M 4D3Y 4M 28D
ICICI Prudential Floating Interest Fund Growth ₹430.287
↓ -0.02 		₹7,370 5,000 1.34.17.87.787.34%1Y 2M 1D4Y 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 3 Funds showcased

CommentaryAditya Birla Sun Life Floating Rate Fund - Long TermNippon India Floating Rate FundICICI Prudential Floating Interest Fund
Point 1Highest AUM (₹13,518 Cr).Lower mid AUM (₹8,225 Cr).Bottom quartile AUM (₹7,370 Cr).
Point 2Established history (16+ yrs).Oldest track record among peers (21 yrs).Established history (19+ yrs).
Point 3Top rated.Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 8.02% (lower mid).1Y return: 8.30% (upper mid).1Y return: 7.76% (bottom quartile).
Point 61M return: 0.44% (upper mid).1M return: 0.43% (lower mid).1M return: 0.35% (bottom quartile).
Point 7Sharpe: 2.34 (upper mid).Sharpe: 1.49 (bottom quartile).Sharpe: 1.69 (lower mid).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.75% (bottom quartile).Yield to maturity (debt): 6.88% (lower mid).Yield to maturity (debt): 7.34% (upper mid).
Point 10Modified duration: 0.81 yrs (upper mid).Modified duration: 2.51 yrs (bottom quartile).Modified duration: 1.17 yrs (lower mid).

Aditya Birla Sun Life Floating Rate Fund - Long Term

  • Highest AUM (₹13,518 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 8.02% (lower mid).
  • 1M return: 0.44% (upper mid).
  • Sharpe: 2.34 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.75% (bottom quartile).
  • Modified duration: 0.81 yrs (upper mid).

Nippon India Floating Rate Fund

  • Lower mid AUM (₹8,225 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.30% (upper mid).
  • 1M return: 0.43% (lower mid).
  • Sharpe: 1.49 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.88% (lower mid).
  • Modified duration: 2.51 yrs (bottom quartile).

ICICI Prudential Floating Interest Fund

  • Bottom quartile AUM (₹7,370 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.76% (bottom quartile).
  • 1M return: 0.35% (bottom quartile).
  • Sharpe: 1.69 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.34% (upper mid).
  • Modified duration: 1.17 yrs (lower mid).

शीर्ष 5 सर्वोत्तम मनी मार्केट म्युच्युअल फंड

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth ₹375.822
↑ 0.06 		₹27,665 1,000 1.547.87.67.86.24%5M 12D5M 12D
UTI Money Market Fund Growth ₹3,132.37
↑ 0.58 		₹19,496 10,000 1.54.17.97.67.76.22%5M 27D5M 28D
ICICI Prudential Money Market Fund Growth ₹385.439
↑ 0.06 		₹37,137 500 1.54.17.87.57.76.17%5M 1D5M 11D
Kotak Money Market Scheme Growth ₹4,560.64
↑ 0.73 		₹35,644 5,000 1.547.87.57.76.23%5M 16D5M 19D
Franklin India Savings Fund Growth ₹50.9488
↑ 0.01 		₹3,865 10,000 1.54.17.87.47.76.08%5M 26D6M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Money Manager FundUTI Money Market FundICICI Prudential Money Market FundKotak Money Market SchemeFranklin India Savings Fund
Point 1Lower mid AUM (₹27,665 Cr).Bottom quartile AUM (₹19,496 Cr).Highest AUM (₹37,137 Cr).Upper mid AUM (₹35,644 Cr).Bottom quartile AUM (₹3,865 Cr).
Point 2Established history (19+ yrs).Established history (16+ yrs).Established history (19+ yrs).Established history (22+ yrs).Oldest track record among peers (23 yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.
Point 51Y return: 7.79% (bottom quartile).1Y return: 7.86% (top quartile).1Y return: 7.82% (lower mid).1Y return: 7.77% (bottom quartile).1Y return: 7.83% (upper mid).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (lower mid).1M return: 0.46% (bottom quartile).
Point 7Sharpe: 3.32 (top quartile).Sharpe: 3.22 (upper mid).Sharpe: 3.02 (bottom quartile).Sharpe: 3.03 (lower mid).Sharpe: 2.97 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.24% (top quartile).Yield to maturity (debt): 6.22% (lower mid).Yield to maturity (debt): 6.17% (bottom quartile).Yield to maturity (debt): 6.23% (upper mid).Yield to maturity (debt): 6.08% (bottom quartile).
Point 10Modified duration: 0.45 yrs (upper mid).Modified duration: 0.49 yrs (bottom quartile).Modified duration: 0.42 yrs (top quartile).Modified duration: 0.46 yrs (lower mid).Modified duration: 0.49 yrs (bottom quartile).

Aditya Birla Sun Life Money Manager Fund

  • Lower mid AUM (₹27,665 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.79% (bottom quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.32 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.24% (top quartile).
  • Modified duration: 0.45 yrs (upper mid).

UTI Money Market Fund

  • Bottom quartile AUM (₹19,496 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.86% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.22 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.22% (lower mid).
  • Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Money Market Fund

  • Highest AUM (₹37,137 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.82% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.02 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.17% (bottom quartile).
  • Modified duration: 0.42 yrs (top quartile).

Kotak Money Market Scheme

  • Upper mid AUM (₹35,644 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.77% (bottom quartile).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.03 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.23% (upper mid).
  • Modified duration: 0.46 yrs (lower mid).

Franklin India Savings Fund

  • Bottom quartile AUM (₹3,865 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.83% (upper mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.97 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.49 yrs (bottom quartile).

टॉप 5 शॉर्ट टर्म बाँड म्युच्युअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
PGIM India Short Maturity Fund Growth ₹39.3202
↓ 0.00 		₹281.23.16.14.2 7.18%1Y 7M 28D1Y 11M 1D
Nippon India Short Term Fund Growth ₹53.5175
↑ 0.01 		₹8,9351.14.58.27.587.04%2Y 6M 18D3Y 2M 19D
ICICI Prudential Short Term Fund Growth ₹61.029
↑ 0.02 		₹22,3391.34.48.17.77.87.27%2Y 7M 10D4Y 10M 20D
Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹48.1825
↑ 0.00 		₹10,7111.14.27.97.47.97.16%2Y 8M 1D3Y 6M 4D
UTI Short Term Income Fund Growth ₹32.1423
↑ 0.01 		₹3,2511.14.37.87.47.96.82%2Y 6M 11D3Y 2M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23

Research Highlights & Commentary of 5 Funds showcased

Commentary PGIM India Short Maturity FundNippon India Short Term FundICICI Prudential Short Term FundAditya Birla Sun Life Short Term Opportunities FundUTI Short Term Income Fund
Point 1Bottom quartile AUM (₹28 Cr).Lower mid AUM (₹8,935 Cr).Highest AUM (₹22,339 Cr).Upper mid AUM (₹10,711 Cr).Bottom quartile AUM (₹3,251 Cr).
Point 2Established history (22+ yrs).Established history (22+ yrs).Oldest track record among peers (23 yrs).Established history (22+ yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 6.08% (bottom quartile).1Y return: 8.19% (top quartile).1Y return: 8.10% (upper mid).1Y return: 7.88% (lower mid).1Y return: 7.79% (bottom quartile).
Point 61M return: 0.43% (bottom quartile).1M return: 0.42% (bottom quartile).1M return: 0.48% (top quartile).1M return: 0.43% (lower mid).1M return: 0.47% (upper mid).
Point 7Sharpe: -0.98 (bottom quartile).Sharpe: 1.26 (upper mid).Sharpe: 1.43 (top quartile).Sharpe: 1.18 (bottom quartile).Sharpe: 1.20 (lower mid).
Point 8Information 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 9Yield to maturity (debt): 7.18% (upper mid).Yield to maturity (debt): 7.04% (bottom quartile).Yield to maturity (debt): 7.27% (top quartile).Yield to maturity (debt): 7.16% (lower mid).Yield to maturity (debt): 6.82% (bottom quartile).
Point 10Modified duration: 1.66 yrs (top quartile).Modified duration: 2.55 yrs (lower mid).Modified duration: 2.61 yrs (bottom quartile).Modified duration: 2.67 yrs (bottom quartile).Modified duration: 2.53 yrs (upper mid).

PGIM India Short Maturity Fund

  • Bottom quartile AUM (₹28 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.08% (bottom quartile).
  • 1M return: 0.43% (bottom quartile).
  • Sharpe: -0.98 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.18% (upper mid).
  • Modified duration: 1.66 yrs (top quartile).

Nippon India Short Term Fund

  • Lower mid AUM (₹8,935 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.19% (top quartile).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: 1.26 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.04% (bottom quartile).
  • Modified duration: 2.55 yrs (lower mid).

ICICI Prudential Short Term Fund

  • Highest AUM (₹22,339 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.10% (upper mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 1.43 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 2.61 yrs (bottom quartile).

Aditya Birla Sun Life Short Term Opportunities Fund

  • Upper mid AUM (₹10,711 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.88% (lower mid).
  • 1M return: 0.43% (lower mid).
  • Sharpe: 1.18 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.16% (lower mid).
  • Modified duration: 2.67 yrs (bottom quartile).

UTI Short Term Income Fund

  • Bottom quartile AUM (₹3,251 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.79% (bottom quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 1.20 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.82% (bottom quartile).
  • Modified duration: 2.53 yrs (upper mid).

शीर्ष 5 मध्यम ते दीर्घ मुदतीचे बाँड म्युच्युअल फंड

शीर्षस्थानीमध्यम ते दीर्घ मुदतीचे बाँड एयूएम/निव्वळ मालमत्ता > 500 कोटी असलेले निधी.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Magnum Income Fund Growth ₹70.9376
↑ 0.07 		₹1,9700.436.17.28.17.32%6Y 2M 5D10Y 1M 24D
ICICI Prudential Bond Fund Growth ₹40.3926
↑ 0.04 		₹2,8570.33.277.68.67.34%5Y 8M 1D15Y 9M 25D
Aditya Birla Sun Life Income Fund Growth ₹125.555
↑ 0.10 		₹2,0250.32.45.56.98.47.37%6Y 7M 13D14Y 22D
HDFC Income Fund Growth ₹58.342
↑ 0.04 		₹9410.12.95.86.996.9%6Y 6M 4D12Y 2M 16D
Kotak Bond Fund Growth ₹76.8795
↑ 0.08 		₹2,0610.12.65.56.98.26.96%6Y 8M 5D13Y 3M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Magnum Income FundICICI Prudential Bond FundAditya Birla Sun Life Income FundHDFC Income FundKotak Bond Fund
Point 1Bottom quartile AUM (₹1,970 Cr).Highest AUM (₹2,857 Cr).Lower mid AUM (₹2,025 Cr).Bottom quartile AUM (₹941 Cr).Upper mid AUM (₹2,061 Cr).
Point 2Established history (26+ yrs).Established history (17+ yrs).Oldest track record among peers (29 yrs).Established history (25+ yrs).Established history (25+ yrs).
Point 3Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 6.13% (upper mid).1Y return: 6.98% (top quartile).1Y return: 5.54% (bottom quartile).1Y return: 5.81% (lower mid).1Y return: 5.46% (bottom quartile).
Point 61M return: 0.56% (lower mid).1M return: 0.35% (bottom quartile).1M return: 0.54% (bottom quartile).1M return: 0.79% (top quartile).1M return: 0.62% (upper mid).
Point 7Sharpe: -0.12 (upper mid).Sharpe: 0.20 (top quartile).Sharpe: -0.22 (lower mid).Sharpe: -0.22 (bottom quartile).Sharpe: -0.34 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.32% (lower mid).Yield to maturity (debt): 7.34% (upper mid).Yield to maturity (debt): 7.37% (top quartile).Yield to maturity (debt): 6.90% (bottom quartile).Yield to maturity (debt): 6.96% (bottom quartile).
Point 10Modified duration: 6.18 yrs (upper mid).Modified duration: 5.67 yrs (top quartile).Modified duration: 6.62 yrs (bottom quartile).Modified duration: 6.51 yrs (lower mid).Modified duration: 6.68 yrs (bottom quartile).

SBI Magnum Income Fund

  • Bottom quartile AUM (₹1,970 Cr).
  • Established history (26+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.13% (upper mid).
  • 1M return: 0.56% (lower mid).
  • Sharpe: -0.12 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.32% (lower mid).
  • Modified duration: 6.18 yrs (upper mid).

ICICI Prudential Bond Fund

  • Highest AUM (₹2,857 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.98% (top quartile).
  • 1M return: 0.35% (bottom quartile).
  • Sharpe: 0.20 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.34% (upper mid).
  • Modified duration: 5.67 yrs (top quartile).

Aditya Birla Sun Life Income Fund

  • Lower mid AUM (₹2,025 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.54% (bottom quartile).
  • 1M return: 0.54% (bottom quartile).
  • Sharpe: -0.22 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.37% (top quartile).
  • Modified duration: 6.62 yrs (bottom quartile).

HDFC Income Fund

  • Bottom quartile AUM (₹941 Cr).
  • Established history (25+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.81% (lower mid).
  • 1M return: 0.79% (top quartile).
  • Sharpe: -0.22 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.90% (bottom quartile).
  • Modified duration: 6.51 yrs (lower mid).

Kotak Bond Fund

  • Upper mid AUM (₹2,061 Cr).
  • Established history (25+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.46% (bottom quartile).
  • 1M return: 0.62% (upper mid).
  • Sharpe: -0.34 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.96% (bottom quartile).
  • Modified duration: 6.68 yrs (bottom quartile).

शीर्ष 5 बँकिंग आणि PSU डेट म्युच्युअल फंड

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Banking & PSU Debt Fund Growth ₹22.2572
↑ 0.01 		₹8131.34.58.17.37.66.61%1Y 8M 12D1Y 11M 8D
HDFC Banking and PSU Debt Fund Growth ₹23.2547
↓ -0.01 		₹5,8900.84.27.67.37.96.94%3Y 5M 5D4Y 11M 19D
ICICI Prudential Banking and PSU Debt Fund Growth ₹33.1141
↑ 0.01 		₹9,78814.17.97.57.96.98%3Y 2M 12D6Y 11D
Aditya Birla Sun Life Banking & PSU Debt Fund Growth ₹370.586
↓ -0.05 		₹9,1800.84.17.67.37.97.05%3Y 9M 29D5Y 3M 11D
Kotak Banking and PSU Debt fund Growth ₹66.0782
↓ -0.01 		₹5,7950.74.17.57.487.02%3Y 4M 10D5Y 7M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Banking & PSU Debt FundHDFC Banking and PSU Debt FundICICI Prudential Banking and PSU Debt FundAditya Birla Sun Life Banking & PSU Debt FundKotak Banking and PSU Debt fund
Point 1Bottom quartile AUM (₹813 Cr).Lower mid AUM (₹5,890 Cr).Highest AUM (₹9,788 Cr).Upper mid AUM (₹9,180 Cr).Bottom quartile AUM (₹5,795 Cr).
Point 2Established history (11+ yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (26 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 8.06% (top quartile).1Y return: 7.56% (bottom quartile).1Y return: 7.86% (upper mid).1Y return: 7.57% (lower mid).1Y return: 7.52% (bottom quartile).
Point 61M return: 0.50% (top quartile).1M return: 0.33% (bottom quartile).1M return: 0.39% (upper mid).1M return: 0.37% (lower mid).1M return: 0.35% (bottom quartile).
Point 7Sharpe: 1.46 (top quartile).Sharpe: 0.73 (bottom quartile).Sharpe: 0.98 (upper mid).Sharpe: 0.73 (bottom quartile).Sharpe: 0.75 (lower mid).
Point 8Information 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 9Yield to maturity (debt): 6.61% (bottom quartile).Yield to maturity (debt): 6.94% (bottom quartile).Yield to maturity (debt): 6.98% (lower mid).Yield to maturity (debt): 7.05% (top quartile).Yield to maturity (debt): 7.02% (upper mid).
Point 10Modified duration: 1.70 yrs (top quartile).Modified duration: 3.43 yrs (bottom quartile).Modified duration: 3.20 yrs (upper mid).Modified duration: 3.83 yrs (bottom quartile).Modified duration: 3.36 yrs (lower mid).

UTI Banking & PSU Debt Fund

  • Bottom quartile AUM (₹813 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.06% (top quartile).
  • 1M return: 0.50% (top quartile).
  • Sharpe: 1.46 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.61% (bottom quartile).
  • Modified duration: 1.70 yrs (top quartile).

HDFC Banking and PSU Debt Fund

  • Lower mid AUM (₹5,890 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.56% (bottom quartile).
  • 1M return: 0.33% (bottom quartile).
  • Sharpe: 0.73 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.94% (bottom quartile).
  • Modified duration: 3.43 yrs (bottom quartile).

ICICI Prudential Banking and PSU Debt Fund

  • Highest AUM (₹9,788 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.86% (upper mid).
  • 1M return: 0.39% (upper mid).
  • Sharpe: 0.98 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.98% (lower mid).
  • Modified duration: 3.20 yrs (upper mid).

Aditya Birla Sun Life Banking & PSU Debt Fund

  • Upper mid AUM (₹9,180 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.57% (lower mid).
  • 1M return: 0.37% (lower mid).
  • Sharpe: 0.73 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.05% (top quartile).
  • Modified duration: 3.83 yrs (bottom quartile).

Kotak Banking and PSU Debt fund

  • Bottom quartile AUM (₹5,795 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.52% (bottom quartile).
  • 1M return: 0.35% (bottom quartile).
  • Sharpe: 0.75 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.02% (upper mid).
  • Modified duration: 3.36 yrs (lower mid).

शीर्ष 5 क्रेडिट जोखीम म्युच्युअल फंड

शीर्षस्थानीउधारीची जोखीम एयूएम/निव्वळ मालमत्ता > 500 कोटी असलेले निधी.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Credit Risk Fund Growth ₹46.3285
↑ 0.02 		₹2,2101.64.48.38.18.18.17%2Y 2M 26D3Y 18D
HDFC Credit Risk Debt Fund Growth ₹24.4299
↑ 0.01 		₹6,9671.64.47.97.58.28.11%2Y 4M 10D3Y 8M 5D
Kotak Credit Risk Fund Growth ₹30.0326
↓ 0.00 		₹6872.15.27.17.27.18.03%2Y 4M 28D3Y 4D
Nippon India Credit Risk Fund Growth ₹35.6296
↑ 0.00 		₹9901.95.19.28.28.38.28%1Y 11M 12D2Y 3M 25D
ICICI Prudential Regular Savings Fund Growth ₹32.4068
↓ -0.01 		₹6,0131.95.28.88.18.58.07%2Y 1M 24D3Y 3M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Credit Risk FundHDFC Credit Risk Debt FundKotak Credit Risk FundNippon India Credit Risk FundICICI Prudential Regular Savings Fund
Point 1Lower mid AUM (₹2,210 Cr).Highest AUM (₹6,967 Cr).Bottom quartile AUM (₹687 Cr).Bottom quartile AUM (₹990 Cr).Upper mid AUM (₹6,013 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (11+ yrs).Established history (15+ yrs).Established history (20+ yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 8.34% (lower mid).1Y return: 7.86% (bottom quartile).1Y return: 7.09% (bottom quartile).1Y return: 9.20% (top quartile).1Y return: 8.78% (upper mid).
Point 61M return: 0.65% (bottom quartile).1M return: 0.67% (lower mid).1M return: 1.02% (top quartile).1M return: 0.56% (bottom quartile).1M return: 0.90% (upper mid).
Point 7Sharpe: 1.72 (lower mid).Sharpe: 1.12 (bottom quartile).Sharpe: 0.31 (bottom quartile).Sharpe: 2.73 (top quartile).Sharpe: 1.90 (upper mid).
Point 8Information 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 9Yield to maturity (debt): 8.17% (upper mid).Yield to maturity (debt): 8.11% (lower mid).Yield to maturity (debt): 8.03% (bottom quartile).Yield to maturity (debt): 8.28% (top quartile).Yield to maturity (debt): 8.07% (bottom quartile).
Point 10Modified duration: 2.24 yrs (lower mid).Modified duration: 2.36 yrs (bottom quartile).Modified duration: 2.41 yrs (bottom quartile).Modified duration: 1.95 yrs (top quartile).Modified duration: 2.15 yrs (upper mid).

SBI Credit Risk Fund

  • Lower mid AUM (₹2,210 Cr).
  • Oldest track record among peers (21 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.34% (lower mid).
  • 1M return: 0.65% (bottom quartile).
  • Sharpe: 1.72 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 8.17% (upper mid).
  • Modified duration: 2.24 yrs (lower mid).

HDFC Credit Risk Debt Fund

  • Highest AUM (₹6,967 Cr).
  • Established history (11+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.86% (bottom quartile).
  • 1M return: 0.67% (lower mid).
  • Sharpe: 1.12 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 8.11% (lower mid).
  • Modified duration: 2.36 yrs (bottom quartile).

Kotak Credit Risk Fund

  • Bottom quartile AUM (₹687 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.09% (bottom quartile).
  • 1M return: 1.02% (top quartile).
  • Sharpe: 0.31 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.03% (bottom quartile).
  • Modified duration: 2.41 yrs (bottom quartile).

Nippon India Credit Risk Fund

  • Bottom quartile AUM (₹990 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 9.20% (top quartile).
  • 1M return: 0.56% (bottom quartile).
  • Sharpe: 2.73 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.28% (top quartile).
  • Modified duration: 1.95 yrs (top quartile).

ICICI Prudential Regular Savings Fund

  • Upper mid AUM (₹6,013 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 8.78% (upper mid).
  • 1M return: 0.90% (upper mid).
  • Sharpe: 1.90 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.07% (bottom quartile).
  • Modified duration: 2.15 yrs (upper mid).

शीर्ष 5 डायनॅमिक बाँड म्युच्युअल फंड

शीर्षस्थानीडायनॅमिक बाँड एयूएम/निव्वळ मालमत्ता > 500 कोटी असलेले निधी.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Dynamic Bond Fund Growth ₹35.9108
↑ 0.06 		₹3,9650.73.15.77.58.67.04%6Y 2M 16D11Y 14D
Aditya Birla Sun Life Dynamic Bond Fund Growth ₹46.6466
↑ 0.01 		₹1,9180.53.66.87.58.87.66%5Y 10M 28D10Y 9M 25D
Axis Dynamic Bond Fund Growth ₹29.7668
↑ 0.02 		₹1,2130.33.56.67.38.66.89%5Y 2M 19D9Y 11M 5D
HDFC Dynamic Debt Fund Growth ₹89.4751
↑ 0.11 		₹7950.224.86.88.57.16%7Y 10M 2D21Y 1M 17D
Bandhan Dynamic Bond Fund Growth ₹33.7378
↑ 0.06 		₹2,7270.60.72.86.8107.08%8Y 11M 23D14Y 7M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySBI Dynamic Bond FundAditya Birla Sun Life Dynamic Bond FundAxis Dynamic Bond FundHDFC Dynamic Debt FundBandhan Dynamic Bond Fund
Point 1Highest AUM (₹3,965 Cr).Lower mid AUM (₹1,918 Cr).Bottom quartile AUM (₹1,213 Cr).Bottom quartile AUM (₹795 Cr).Upper mid AUM (₹2,727 Cr).
Point 2Established history (21+ yrs).Established history (21+ yrs).Established history (14+ yrs).Oldest track record among peers (28 yrs).Established history (16+ yrs).
Point 3Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 5.70% (lower mid).1Y return: 6.77% (top quartile).1Y return: 6.57% (upper mid).1Y return: 4.80% (bottom quartile).1Y return: 2.80% (bottom quartile).
Point 61M return: 0.81% (upper mid).1M return: 0.53% (bottom quartile).1M return: 0.54% (bottom quartile).1M return: 0.76% (lower mid).1M return: 1.24% (top quartile).
Point 7Sharpe: -0.16 (lower mid).Sharpe: 0.22 (top quartile).Sharpe: 0.12 (upper mid).Sharpe: -0.50 (bottom quartile).Sharpe: -0.74 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.04% (bottom quartile).Yield to maturity (debt): 7.66% (top quartile).Yield to maturity (debt): 6.89% (bottom quartile).Yield to maturity (debt): 7.16% (upper mid).Yield to maturity (debt): 7.08% (lower mid).
Point 10Modified duration: 6.21 yrs (lower mid).Modified duration: 5.91 yrs (upper mid).Modified duration: 5.22 yrs (top quartile).Modified duration: 7.84 yrs (bottom quartile).Modified duration: 8.98 yrs (bottom quartile).

SBI Dynamic Bond Fund

  • Highest AUM (₹3,965 Cr).
  • Established history (21+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.70% (lower mid).
  • 1M return: 0.81% (upper mid).
  • Sharpe: -0.16 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.04% (bottom quartile).
  • Modified duration: 6.21 yrs (lower mid).

Aditya Birla Sun Life Dynamic Bond Fund

  • Lower mid AUM (₹1,918 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.77% (top quartile).
  • 1M return: 0.53% (bottom quartile).
  • Sharpe: 0.22 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.66% (top quartile).
  • Modified duration: 5.91 yrs (upper mid).

Axis Dynamic Bond Fund

  • Bottom quartile AUM (₹1,213 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 6.57% (upper mid).
  • 1M return: 0.54% (bottom quartile).
  • Sharpe: 0.12 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.89% (bottom quartile).
  • Modified duration: 5.22 yrs (top quartile).

HDFC Dynamic Debt Fund

  • Bottom quartile AUM (₹795 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.80% (bottom quartile).
  • 1M return: 0.76% (lower mid).
  • Sharpe: -0.50 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.16% (upper mid).
  • Modified duration: 7.84 yrs (bottom quartile).

Bandhan Dynamic Bond Fund

  • Upper mid AUM (₹2,727 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 2.80% (bottom quartile).
  • 1M return: 1.24% (top quartile).
  • Sharpe: -0.74 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.08% (lower mid).
  • Modified duration: 8.98 yrs (bottom quartile).

शीर्ष 5 कॉर्पोरेट बाँड म्युच्युअल फंड

शीर्षस्थानीकॉर्पोरेट बाँड एयूएम/निव्वळ मालमत्ता > 500 कोटी असलेले निधी.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Corporate Bond Fund Growth ₹32.8937
↑ 0.00 		₹35,7000.84.17.77.68.67.06%4Y 2M 1D4Y 4M 28D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹114.065
↑ 0.03 		₹28,1090.83.97.67.78.57.21%4Y 8M 8D7Y 3M
ICICI Prudential Corporate Bond Fund Growth ₹30.2433
↑ 0.01 		₹33,5741.24.38.27.887%3Y 18D5Y 9M 18D
Nippon India Prime Debt Fund Growth ₹60.7837
↑ 0.01 		₹10,0420.94.58.27.98.46.81%3Y 6M 7D4Y 7M 20D
Kotak Corporate Bond Fund Standard Growth ₹3,824.2
↑ 1.02 		₹17,61214.48.17.68.37.01%3Y 3M5Y 1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Corporate Bond FundAditya Birla Sun Life Corporate Bond FundICICI Prudential Corporate Bond FundNippon India Prime Debt FundKotak Corporate Bond Fund Standard
Point 1Highest AUM (₹35,700 Cr).Lower mid AUM (₹28,109 Cr).Upper mid AUM (₹33,574 Cr).Bottom quartile AUM (₹10,042 Cr).Bottom quartile AUM (₹17,612 Cr).
Point 2Established history (15+ yrs).Oldest track record among peers (28 yrs).Established history (16+ yrs).Established history (25+ yrs).Established history (18+ yrs).
Point 3Top rated.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: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 7.66% (bottom quartile).1Y return: 7.61% (bottom quartile).1Y return: 8.18% (top quartile).1Y return: 8.17% (upper mid).1Y return: 8.08% (lower mid).
Point 61M return: 0.42% (bottom quartile).1M return: 0.50% (upper mid).1M return: 0.46% (lower mid).1M return: 0.44% (bottom quartile).1M return: 0.50% (top quartile).
Point 7Sharpe: 0.68 (bottom quartile).Sharpe: 0.66 (bottom quartile).Sharpe: 1.36 (top quartile).Sharpe: 1.00 (lower mid).Sharpe: 1.05 (upper mid).
Point 8Information 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 9Yield to maturity (debt): 7.06% (upper mid).Yield to maturity (debt): 7.21% (top quartile).Yield to maturity (debt): 7.00% (bottom quartile).Yield to maturity (debt): 6.81% (bottom quartile).Yield to maturity (debt): 7.01% (lower mid).
Point 10Modified duration: 4.17 yrs (bottom quartile).Modified duration: 4.69 yrs (bottom quartile).Modified duration: 3.05 yrs (top quartile).Modified duration: 3.52 yrs (lower mid).Modified duration: 3.25 yrs (upper mid).

HDFC Corporate Bond Fund

  • Highest AUM (₹35,700 Cr).
  • Established history (15+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.66% (bottom quartile).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: 0.68 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.06% (upper mid).
  • Modified duration: 4.17 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

  • Lower mid AUM (₹28,109 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.61% (bottom quartile).
  • 1M return: 0.50% (upper mid).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.21% (top quartile).
  • Modified duration: 4.69 yrs (bottom quartile).

ICICI Prudential Corporate Bond Fund

  • Upper mid AUM (₹33,574 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.18% (top quartile).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 1.36 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.00% (bottom quartile).
  • Modified duration: 3.05 yrs (top quartile).

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: 8.17% (upper mid).
  • 1M return: 0.44% (bottom quartile).
  • 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).

Kotak Corporate Bond Fund Standard

  • Bottom quartile AUM (₹17,612 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.08% (lower mid).
  • 1M return: 0.50% (top quartile).
  • Sharpe: 1.05 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.01% (lower mid).
  • Modified duration: 3.25 yrs (upper mid).

शीर्ष 5 गिल्ट म्युच्युअल फंड

शीर्षस्थानीलागू आहे एयूएम/निव्वळ मालमत्ता > 500 कोटी असलेले निधी.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
ICICI Prudential Gilt Fund Growth ₹103.547
↑ 0.18 		₹9,1450.43.57.37.88.27.21%6Y 2M 5D17Y 1M 28D
SBI Magnum Constant Maturity Fund Growth ₹64.1834
↑ 0.10 		₹1,8820.33.77.17.89.16.87%6Y 8M 1D9Y 5M 26D
SBI Magnum Gilt Fund Growth ₹66.0749
↑ 0.15 		₹11,3220.32.257.58.97.12%9Y 4M 13D19Y 10M 6D
UTI Gilt Fund Growth ₹62.7054
↑ 0.11 		₹5650.11.84.96.98.97.27%9Y 10M 13D26Y 4D
Nippon India Gilt Securities Fund Growth ₹37.8262
↑ 0.06 		₹1,869-0.21.246.78.97.24%9Y 1M 2D21Y 10M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Gilt FundSBI Magnum Constant Maturity FundSBI Magnum Gilt FundUTI Gilt FundNippon India Gilt Securities Fund
Point 1Upper mid AUM (₹9,145 Cr).Lower mid AUM (₹1,882 Cr).Highest AUM (₹11,322 Cr).Bottom quartile AUM (₹565 Cr).Bottom quartile AUM (₹1,869 Cr).
Point 2Oldest track record among peers (26 yrs).Established history (24+ yrs).Established history (24+ yrs).Established history (23+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 7.29% (top quartile).1Y return: 7.12% (upper mid).1Y return: 4.99% (lower mid).1Y return: 4.87% (bottom quartile).1Y return: 3.99% (bottom quartile).
Point 61M return: 0.67% (bottom quartile).1M return: 0.98% (upper mid).1M return: 1.10% (top quartile).1M return: 0.78% (bottom quartile).1M return: 0.87% (lower mid).
Point 7Sharpe: 0.13 (upper mid).Sharpe: 0.17 (top quartile).Sharpe: -0.41 (lower mid).Sharpe: -0.44 (bottom quartile).Sharpe: -0.58 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.21% (lower mid).Yield to maturity (debt): 6.87% (bottom quartile).Yield to maturity (debt): 7.12% (bottom quartile).Yield to maturity (debt): 7.27% (top quartile).Yield to maturity (debt): 7.24% (upper mid).
Point 10Modified duration: 6.18 yrs (top quartile).Modified duration: 6.67 yrs (upper mid).Modified duration: 9.37 yrs (bottom quartile).Modified duration: 9.87 yrs (bottom quartile).Modified duration: 9.09 yrs (lower mid).

ICICI Prudential Gilt Fund

  • Upper mid AUM (₹9,145 Cr).
  • Oldest track record among peers (26 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.29% (top quartile).
  • 1M return: 0.67% (bottom quartile).
  • Sharpe: 0.13 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.21% (lower mid).
  • Modified duration: 6.18 yrs (top quartile).

SBI Magnum Constant Maturity Fund

  • Lower mid AUM (₹1,882 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.12% (upper mid).
  • 1M return: 0.98% (upper mid).
  • Sharpe: 0.17 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.87% (bottom quartile).
  • Modified duration: 6.67 yrs (upper mid).

SBI Magnum Gilt Fund

  • Highest AUM (₹11,322 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.99% (lower mid).
  • 1M return: 1.10% (top quartile).
  • Sharpe: -0.41 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.12% (bottom quartile).
  • Modified duration: 9.37 yrs (bottom quartile).

UTI Gilt Fund

  • Bottom quartile AUM (₹565 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 4.87% (bottom quartile).
  • 1M return: 0.78% (bottom quartile).
  • Sharpe: -0.44 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 9.87 yrs (bottom quartile).

Nippon India Gilt Securities Fund

  • Bottom quartile AUM (₹1,869 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.99% (bottom quartile).
  • 1M return: 0.87% (lower mid).
  • Sharpe: -0.58 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.24% (upper mid).
  • Modified duration: 9.09 yrs (lower mid).

1. Axis Credit Risk Fund

(Erstwhile Axis Fixed Income Opportunities Fund)

To generate stable returns by investing in debt & money market instruments across the yield curve & credit spectrum. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns

Research Highlights for Axis Credit Risk Fund

  • Bottom quartile AUM (₹366 Cr).
  • Established history (11+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.53% (top quartile).
  • 1M return: 0.64% (top quartile).
  • Sharpe: 2.16 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.93% (top quartile).
  • Modified duration: 2.30 yrs (bottom quartile).
  • Average maturity: 2.76 yrs (bottom quartile).
  • Exit load: 0-12 Months (1%),12 Months and above(NIL).
  • Top sector: Real Estate.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~89%).
  • High-quality debt (AAA/AA ~89%).
  • Largest holding Kohima-Mariani Transmission Limited (~5.4%).

Below is the key information for Axis Credit Risk Fund

Axis Credit Risk Fund
Growth
Launch Date 15 Jul 14
NAV (19 Sep 25) ₹21.7827 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹366 on 15 Sep 25
Category Debt - Credit Risk
AMC Axis Asset Management Company Limited
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 1.57
Sharpe Ratio 2.16
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 7.93%
Effective Maturity 2 Years 9 Months 4 Days
Modified Duration 2 Years 3 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,788
31 Aug 22₹11,184
31 Aug 23₹11,912
31 Aug 24₹12,820
31 Aug 25₹13,918

Axis 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 Axis 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 19 Sep 25

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 4.8%
1 Year 8.5%
3 Year 7.7%
5 Year 6.9%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8%
2023 7%
2022 4%
2021 6%
2020 8.2%
2019 4.4%
2018 5.9%
2017 6.4%
2016 9.8%
2015 8.7%
Fund Manager information for Axis Credit Risk Fund
NameSinceTenure
Devang Shah15 Jul 1411.14 Yr.
Akhil Thakker9 Nov 213.81 Yr.

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

Asset Allocation
Asset ClassValue
Cash7.34%
Equity3.15%
Debt89.02%
Other0.48%
Debt Sector Allocation
SectorValue
Corporate80.71%
Government8.31%
Cash Equivalent7.34%
Credit Quality
RatingValue
A11.24%
AA66.78%
AAA21.98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kohima-Mariani Transmission Limited
Debentures | -		5%₹20 Cr2,000
Birla Corporation Limited
Debentures | -		4%₹16 Cr230
Jubilant Bevco Limited
Debentures | -		4%₹16 Cr1,500
Narayana Hrudayalaya Limited
Debentures | -		4%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -		4%₹15 Cr1,500
Nirma Limited
Debentures | -		4%₹15 Cr1,500
Infopark Properties Limited
Debentures | -		4%₹15 Cr1,500
Aditya Birla Digital Fashion Ventures Limited
Debentures | -		4%₹15 Cr1,500
Altius Telecom Infrastructure Trust
Debentures | -		4%₹15 Cr1,500
Delhi International Airport Limited
Debentures | -		4%₹15 Cr150

2. PGIM India Credit Risk Fund

(Erstwhile DHFL Pramerica Credit Opportunities Fund)

The investment objective of the Scheme is to generate income and capital appreciation by investing predominantly in corporate debt. There can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for PGIM India Credit Risk Fund

  • Bottom quartile AUM (₹39 Cr).
  • Established history (10+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.43% (upper mid).
  • 1M return: 0.27% (bottom quartile).
  • Sharpe: 1.73 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.01% (bottom quartile).
  • Modified duration: 0.54 yrs (lower mid).
  • Average maturity: 0.59 yrs (lower mid).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).

Below is the key information for PGIM India Credit Risk Fund

PGIM India Credit Risk Fund
Growth
Launch Date 29 Sep 14
NAV (21 Jan 22) ₹15.5876 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹39 on 31 Dec 21
Category Debt - Credit Risk
AMC Pramerica Asset Managers Private Limited
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 1.85
Sharpe Ratio 1.73
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 5.01%
Effective Maturity 7 Months 2 Days
Modified Duration 6 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,910

PGIM India 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 ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for PGIM 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 19 Sep 25

DurationReturns
1 Month 0.3%
3 Month 0.6%
6 Month 4.4%
1 Year 8.4%
3 Year 3%
5 Year 4.2%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for PGIM India Credit Risk Fund
NameSinceTenure

Data below for PGIM India Credit Risk Fund as on 31 Dec 21

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. UTI Banking & PSU Debt Fund

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of predominantly debt & money market securities by Banks and Public Sector Undertakings (PSUs).

Research Highlights for UTI Banking & PSU Debt Fund

  • Lower mid AUM (₹813 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.06% (lower mid).
  • 1M return: 0.50% (upper mid).
  • Sharpe: 1.46 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.61% (lower mid).
  • Modified duration: 1.70 yrs (bottom quartile).
  • Average maturity: 1.94 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.38% Govt Stock 2027 (~11.4%).

Below is the key information for UTI Banking & PSU Debt Fund

UTI Banking & PSU Debt Fund
Growth
Launch Date 3 Feb 14
NAV (19 Sep 25) ₹22.2572 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹813 on 31 Aug 25
Category Debt - Banking & PSU Debt
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 1.46
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.61%
Effective Maturity 1 Year 11 Months 8 Days
Modified Duration 1 Year 8 Months 12 Days

Growth of 10,000 investment over the years.

DateValue

UTI Banking & PSU 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 ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Banking & PSU 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 19 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.3%
6 Month 4.5%
1 Year 8.1%
3 Year 7.3%
5 Year 7.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.6%
2023 6.7%
2022 10.3%
2021 2.8%
2020 8.9%
2019 -1%
2018 6.8%
2017 6.4%
2016 11.7%
2015 8.6%
Fund Manager information for UTI Banking & PSU Debt Fund
NameSinceTenure
Anurag Mittal1 Dec 213.75 Yr.

Data below for UTI Banking & PSU Debt Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash4.85%
Debt94.83%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate54.99%
Government39.84%
Cash Equivalent4.85%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.38% Govt Stock 2027
Sovereign Bonds | -		11%₹93 Cr900,000,000
Axis Bank Limited
Debentures | -		7%₹56 Cr550
Export Import Bank Of India
Debentures | -		6%₹51 Cr5,000
Small Industries Development Bank Of India
Debentures | -		6%₹51 Cr5,000
Power Finance Corporation Limited
Debentures | -		5%₹41 Cr400
Rural Electrification Corporation Limited
Debentures | -		4%₹36 Cr3,500
National Housing Bank
Debentures | -		4%₹36 Cr3,500
HDFC Bank Limited
Debentures | -		4%₹35 Cr350
Indian Railway Finance Corporation Limited
Debentures | -		4%₹31 Cr300
National Bank For Agriculture And Rural Development
Debentures | -		4%₹31 Cr3,000

4. 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

  • Upper mid AUM (₹21,521 Cr).
  • Oldest track record among peers (22 yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.88% (bottom quartile).
  • 1M return: 0.48% (lower mid).
  • Sharpe: 3.66 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.76% (upper mid).
  • Modified duration: 0.44 yrs (top quartile).
  • Average maturity: 0.53 yrs (upper mid).
  • 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 (~2.9%).

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 (19 Sep 25) ₹556.548 ↑ 0.06   (0.01 %)
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
31 Aug 20₹10,000
31 Aug 21₹10,454
31 Aug 22₹10,863
31 Aug 23₹11,610
31 Aug 24₹12,473
31 Aug 25₹13,462

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 19 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 4%
1 Year 7.9%
3 Year 7.4%
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
Cash43.54%
Debt56.21%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate63.99%
Cash Equivalent23.22%
Government12.53%
Credit Quality
RatingValue
AA30.21%
AAA69.91%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -		3%₹614 Cr60,000
Nirma Limited
Debentures | -		2%₹488 Cr48,500
91 Days Tbill Red 30-10-2025
Sovereign Bonds | -		2%₹415 Cr42,000,000
07.22 GJ Sdl 2028
Sovereign Bonds | -		2%₹378 Cr37,500,000
Bharti Telecom Limited
Debentures | -		2%₹361 Cr3,600
Mankind Pharma Limited
Debentures | -		2%₹349 Cr34,500
Bharti Telecom Limited
Debentures | -		1%₹321 Cr3,200
National Bank For Agriculture And Rural Development
Debentures | -		1%₹316 Cr3,150
Avanse Financial Services Limited
Debentures | -		1%₹301 Cr30,000
Power Finance Corporation Limited
Debentures | -		1%₹298 Cr30,000

5. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

  • Highest AUM (₹27,665 Cr).
  • Established history (19+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.79% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 3.32 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.24% (bottom quartile).
  • Modified duration: 0.45 yrs (upper mid).
  • Average maturity: 0.45 yrs (top quartile).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~90%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 5.15% Govt Stock 2025 (~2.4%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund
Growth
Launch Date 13 Oct 05
NAV (19 Sep 25) ₹375.822 ↑ 0.06   (0.01 %)
Net Assets (Cr) ₹27,665 on 31 Aug 25
Category Debt - Money Market
AMC Birla Sun Life Asset Management Co Ltd
Rating ☆☆☆☆☆
Risk Low
Expense Ratio 0.35
Sharpe Ratio 3.32
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.24%
Effective Maturity 5 Months 12 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,410
31 Aug 22₹10,822
31 Aug 23₹11,594
31 Aug 24₹12,475
31 Aug 25₹13,457

Aditya Birla Sun Life Money Manager 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 Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 4%
1 Year 7.8%
3 Year 7.6%
5 Year 6.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 7.4%
2022 4.8%
2021 3.8%
2020 6.6%
2019 8%
2018 7.9%
2017 6.8%
2016 7.7%
2015 8.4%
Fund Manager information for Aditya Birla Sun Life Money Manager Fund
NameSinceTenure
Kaustubh Gupta15 Jul 1114.14 Yr.
Anuj Jain22 Mar 214.45 Yr.
Mohit Sharma1 Apr 178.42 Yr.

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

Asset Allocation
Asset ClassValue
Cash90.48%
Debt9.27%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent43.91%
Corporate41.88%
Government13.96%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.15% Govt Stock 2025
Sovereign Bonds | -		2%₹724 Cr72,500,000
↓ -2,500,000
182 DTB 29082025
Sovereign Bonds | -		2%₹504 Cr50,500,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -		1%₹338 Cr7,000
5.63% Govt Stock 2026
Sovereign Bonds | -		1%₹315 Cr31,500,000
182 Days Tbill
Sovereign Bonds | -		1%₹299 Cr30,000,000
India (Republic of)
- | -		1%₹245 Cr25,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -		1%₹242 Cr24,000,000
Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -		1%₹187 Cr19,009,500
08.16 KA Sdl 2025
Sovereign Bonds | -		1%₹181 Cr18,000,000
Gs CG 19/12/2025 - (Strips) Tb
Sovereign Bonds | -		1%₹159 Cr16,244,600

सर्वोत्तम डेट म्युच्युअल फंडाचे मूल्यांकन कसे करावे

तुम्‍हाला गुंतवण्‍यासाठी इच्‍छित असलेले सर्वोत्‍तम डेट फंड निवडण्‍यासाठी, काही महत्‍त्‍वाच्‍या मापदंडांचा विचार करण्‍याची आवश्‍यकता आहे जसे की सरासरी मॅच्युरिटी, क्रेडिट क्वॉलिटी, एयूएम, एक्‍पेन्‍स रेशो, टॅक्स इम्‍लिप्‍शन इ. -

1. सरासरी परिपक्वता/कालावधी

डेट फंड्समध्ये सरासरी मॅच्युरिटी हा एक आवश्यक पॅरामीटर आहे ज्याकडे गुंतवणूकदारांकडून दुर्लक्ष केले जाते, जे गुंतवणुकीच्या जोखमींचा विचार न करता दीर्घ कालावधीसाठी गुंतवणूक करतात. गुंतवणूकदारांनी त्यांची डेट फंड गुंतवणूक त्याच्या मॅच्युरिटी कालावधीच्या आधारे ठरवणे आवश्यक आहे, डेट फंडाच्या मॅच्युरिटी कालावधीशी गुंतवणुकीचा कालावधी जुळणे हा तुम्‍ही अनावश्यक जोखीम पत्करणार नाही याची खात्री करण्याचा एक चांगला मार्ग आहे. अशाप्रकारे, डेट फंडामध्ये इष्टतम जोखीम परतावा मिळविण्यासाठी, गुंतवणूक करण्यापूर्वी, डेट फंडाची सरासरी परिपक्वता जाणून घेणे उचित आहे. सरासरी मॅच्युरिटी (कालावधी हा एक समान घटक आहे) पाहणे महत्त्वाचे आहे, उदाहरणार्थ, लिक्विड फंडाची सरासरी मॅच्युरिटी काही दिवसांपासून कदाचित एक महिन्याची असू शकते, याचा अर्थ असा होईल की गुंतवणूकदारांसाठी हा एक उत्तम पर्याय आहे. काही दिवस पैसे गुंतवायचे. त्याचप्रमाणे, जर तुम्ही एक वर्षाची कालमर्यादा पहात असालगुंतवणूक योजना मग, अल्पकालीन कर्ज निधी आदर्श असू शकतो.

2. व्याजदर परिस्थिती

व्याजदर आणि त्यातील चढ-उतार यामुळे प्रभावित होणाऱ्या डेट फंडांमध्ये बाजारातील वातावरण समजून घेणे खूप महत्त्वाचे आहे. जेव्हा अर्थव्यवस्थेत व्याजदर वाढतो तेव्हा रोख्यांची किंमत कमी होते आणि उलट. तसेच, ज्या काळात व्याजदर वाढतात त्या काळात, जुन्या रोख्यांपेक्षा जास्त उत्पन्न असलेले नवीन रोखे बाजारात जारी केले जातात, ज्यामुळे ते जुने रोखे कमी मूल्याचे बनतात. त्यामुळे, बाजारातील नवीन बाँड्सकडे गुंतवणूकदार अधिक आकर्षित होतात आणि जुन्या बाँड्सची पुनर्मूल्यांकन देखील होते. जर एखाद्या डेट फंडाला अशा "जुन्या बाँड्स" चे एक्सपोजर येत असेल तर जेव्हा व्याजदर वाढतात,नाही कर्ज निधीवर नकारात्मक परिणाम होईल. शिवाय, डेट फंड व्याजदरातील चढउतारांना सामोरे जात असल्याने, ते फंड पोर्टफोलिओमधील अंतर्निहित रोख्यांच्या किमतींना त्रास देतात. उदाहरणार्थ, वाढत्या व्याजदराच्या काळात दीर्घकालीन कर्ज निधीला जास्त धोका असतो. या काळात अल्प-मुदतीची गुंतवणूक योजना बनवल्याने तुमच्या व्याजदरातील जोखीम कमी होईल.

जर एखाद्याला व्याजदरांचे चांगले ज्ञान असेल आणि त्याला त्याचे निरीक्षण करता आले तर त्याचा फायदाही घेता येईल. घसरलेल्या व्याजदराच्या बाजारात, दीर्घकालीन कर्ज निधी हा एक चांगला पर्याय असेल. तथापि, वाढत्या व्याजदराच्या काळात अल्प मुदतीच्या फंडांसारख्या कमी सरासरी परिपक्वता असलेल्या फंडांमध्ये असणे शहाणपणाचे ठरेल.अल्ट्रा शॉर्ट टर्म फंड किंवा लिक्विड फंड देखील.

3. वर्तमान उत्पन्न किंवा पोर्टफोलिओ उत्पन्न

उत्पन्न हे पोर्टफोलिओमधील बाँड्सद्वारे व्युत्पन्न केलेल्या व्याज उत्पन्नाचे मोजमाप आहे. कर्ज किंवा रोख्यांमध्ये गुंतवणूक करणारे फंड ज्यांचे प्रमाण जास्त आहेकूपन दर (किंवा उत्पन्न) एकूण पोर्टफोलिओ उत्पन्न जास्त असेल. परिपक्वतेपर्यंत उत्पन्न (ytmडेट म्युच्युअल फंडाचे ) फंडाचे चालू उत्पन्न दर्शवते. YTM च्या आधारे कर्ज निधीची तुलना करताना, एखाद्याने हे तथ्य देखील पाहिले पाहिजे की अतिरिक्त उत्पन्न कसे निर्माण केले जात आहे. हे कमी पोर्टफोलिओ गुणवत्तेच्या किंमतीवर आहे का? चांगल्या दर्जाच्या नसलेल्या साधनांमध्ये गुंतवणूक करण्याचे स्वतःचे प्रश्न आहेत. तुम्ही डेट फंडात गुंतवणूक करू इच्छित नाही ज्यामध्ये असे रोखे किंवा रोखे असतीलडीफॉल्ट नंतर. म्हणून, नेहमी पोर्टफोलिओ उत्पन्न पहा आणि क्रेडिट गुणवत्तेसह ते संतुलित करा.

How-to-select-best-debt-funds

4. पोर्टफोलिओची क्रेडिट गुणवत्ता

सर्वोत्तम डेट फंडांमध्ये गुंतवणूक करण्यासाठी, बॉण्ड्स आणि डेट सिक्युरिटीजची क्रेडिट गुणवत्ता तपासणे हे एक आवश्यक पॅरामीटर आहे. रोखे परत देण्याच्या क्षमतेवर आधारित विविध एजन्सीद्वारे क्रेडिट रेटिंग नियुक्त केले जातात. AAA रेटिंग असलेले बाँड हे सर्वोत्तम क्रेडिट रेटिंग मानले जाते आणि ते सुरक्षित आणि सुरक्षित गुंतवणूक देखील सूचित करते. जर एखाद्याला खरोखरच सुरक्षितता हवी असेल आणि सर्वोत्तम डेट फंड निवडण्यासाठी हे सर्वोत्कृष्ट मापदंड मानत असेल, तर अत्यंत उच्च-गुणवत्तेची कर्ज साधने (AAA किंवा AA+) असलेल्या फंडात प्रवेश करणे हा इच्छित पर्याय असू शकतो.

5. व्यवस्थापन अंतर्गत मालमत्ता (AUM)

सर्वोत्कृष्ट कर्ज निधी निवडताना विचारात घेण्याचे हे सर्वात महत्त्वाचे पॅरामीटर आहे. AUM ही सर्व गुंतवणूकदारांनी विशिष्ट योजनेत गुंतवलेली एकूण रक्कम असते. पासून, बहुतेकम्युच्युअल फंडएकूण AUM डेट फंडांमध्ये गुंतवले जाते, गुंतवणूकदारांनी योजना मालमत्ता निवडणे आवश्यक आहे ज्यात लक्षणीय AUM आहे. कॉर्पोरेट्समध्ये मोठ्या प्रमाणावर एक्सपोजर असलेल्या फंडात असणे धोकादायक असू शकते, कारण त्यांचे पैसे काढणे मोठे असू शकते ज्यामुळे एकूण फंडाच्या कामगिरीवर परिणाम होऊ शकतो.

6. खर्चाचे प्रमाण

डेट फंडांमध्ये विचारात घेतलेला महत्त्वाचा घटक म्हणजे त्याचे खर्चाचे प्रमाण. उच्च खर्चाचे प्रमाण फंडाच्या कामगिरीवर मोठा प्रभाव निर्माण करते. उदाहरणार्थ, लिक्विड फंडांमध्ये सर्वात कमी खर्चाचे प्रमाण असते जे 50 bps पर्यंत असते (BPS हे व्याजदर मोजण्याचे एकक असते ज्यामध्ये एक bps 1% च्या 1/100 व्या बरोबर असते) तर इतर डेट फंड 150 bps पर्यंत आकारू शकतात. त्यामुळे एका डेट म्युच्युअल फंडामधून निवड करण्यासाठी, व्यवस्थापन शुल्क किंवा फंड चालविण्याचा खर्च विचारात घेणे महत्त्वाचे आहे.

7. कर आकारणी प्रभाव

डेट फंड इंडेक्सेशन लाभांसह दीर्घकालीन भांडवली नफ्याचा (3 वर्षांपेक्षा जास्त) लाभ देतात. आणि अल्पकालीन भांडवली नफ्यावर (3 वर्षांपेक्षा कमी) 30% कर आकारला जातो.

गुंतवणूकदार म्हणून विचारात घेण्यासारख्या गोष्टी

1. निधीची उद्दिष्टे

विविध प्रकारच्या सिक्युरिटीजचा वैविध्यपूर्ण पोर्टफोलिओ राखून इष्टतम परतावा मिळविण्याचे डेट फंडाचे उद्दिष्ट आहे. तुम्ही त्यांच्याकडून अंदाजानुसार कामगिरी करण्याची अपेक्षा करू शकता. या कारणास्तव, डेट फंड पुराणमतवादी गुंतवणूकदारांमध्ये लोकप्रिय आहेत.

2. निधीचे प्रकार

डेट फंड पुढे विविध श्रेणींमध्ये विभागले गेले आहेत जसे की लिक्विड फंड,मासिक उत्पन्न योजना (एमआयपी), निश्चित परिपक्वता योजना (एफएमपी),डायनॅमिक बाँड फंड, इन्कम फंड, क्रेडिट संधी फंड, GILT फंड, शॉर्ट टर्म फंड आणि अल्ट्रा शॉर्ट टर्म फंड.

3. जोखीम

डेट फंड मुळात व्याजदर जोखीम, क्रेडिट जोखीम आणितरलता धोका एकूण व्याजदराच्या हालचालींमुळे निधी मूल्यात चढ-उतार होऊ शकतात. जारीकर्त्याद्वारे व्याज आणि मुद्दल भरण्यात डिफॉल्ट होण्याचा धोका आहे. जेव्हा निधी व्यवस्थापक मागणीच्या अभावामुळे अंतर्निहित सुरक्षा विकू शकत नाही तेव्हा तरलतेचा धोका उद्भवतो.

4. खर्च

डेट फंड तुमचे पैसे व्यवस्थापित करण्यासाठी खर्चाचे प्रमाण आकारतात. आता पर्यंतसेबी खर्च गुणोत्तराची वरची मर्यादा 2.25% असणे अनिवार्य केले आहे (नियमानुसार वेळोवेळी बदलू शकते.).

5. गुंतवणूक होरायझन

लिक्विड फंडांसाठी 3 महिने ते 1 वर्षाची गुंतवणूक योग्य असेल. जर तुमच्याकडे 2 ते 3 वर्षांचा क्षितिज जास्त असेल, तर तुम्ही शॉर्ट टर्म बाँड फंडांसाठी जाऊ शकता.

6. आर्थिक उद्दिष्टे

अतिरिक्त उत्पन्न मिळवणे किंवा तरलतेच्या उद्देशाने विविध उद्दिष्टे साध्य करण्यासाठी डेट फंडाचा वापर केला जाऊ शकतो.

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निष्कर्ष

डेट फंड हा तुमचा पैसा गुंतवण्याचा आणि तुमच्याशी जुळणारे संबंधित उत्पादन निवडून नियमितपणे उत्पन्न मिळवण्याचा सर्वोत्तम मार्ग आहे.जोखीम प्रोफाइल. त्यामुळे, स्थिर उत्पन्न मिळवू पाहणारे गुंतवणूकदार किंवा डेट मार्केटचा फायदा घेऊ पाहणारे, 2022 - 2023 साठी वरील सर्वोत्कृष्ट कर्ज निधीचा विचार करू शकतात आणि गुंतवणूक सुरू करू शकतात!_

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Amol Vyas, posted on 14 Jan 19 5:50 PM

The article is nice and informative but it could be in more simple words because lot of people have much less knowledge in such sector

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