तुमच्या एकरकमी गुंतवणूकीसाठी कर्ज म्युच्युअल फंड

Updated on March 31, 2026 , 2568 views

सहसा, जेव्हा कोणाला पाहिजे असेलम्युच्युअल फंडामध्ये गुंतवणूक करा, ते घेतले तर ते गोंधळतातएसआयपी मार्ग किंवा एकमुखी रक्कम चला आपल्यासाठी हे सोपे करूया! जे गुंतवणूकदार कर्ज फंडात गुंतवणूकीची योजना आखत आहेत त्यांनी एक-वेळची पेमेंट मोड निवडणे आवश्यक आहे, ही गुंतवणूकीची एकमुखी पद्धत आहे. कमी कालावधीसाठी सहजसह गुंतवणूक करणे नेहमी शहाणपणाचे असतेतरलता.

कर्ज म्युच्युअल फंडाच्या गुंतवणूकीसाठी एकमुखी सम रक्कम का?

एकरकमी गुंतवणूकीच्या तुलनेत कर्ज फंड हा एक चांगला पर्याय आहेइक्विटी म्युच्युअल फंड. एकमुखी मार्ग व्याजदरामध्ये बदल होण्याचे जोखीम कमी करते तसेच मुदत ठेवींच्या (एफडी) तुलनेत चांगला परतावा देते. तद्वतच, जेव्हा तुम्ही कर्जाच्या रकमेमध्ये एकमुखी मार्ग काढत गुंतवणूक करता तेव्हा ते दोन समस्यांचे निराकरण करते - एक म्हणजे कर लाभ आणि दुसरे म्हणजे पुन्हा गुंतवणूकीचा धोका.

वाढत्या व्याजदरादरम्यान, कर्जाभिमुख फंडांमध्ये उच्च-गुणवत्तेच्या पोर्टफोलिओसह एकरकमी मार्ग काढण्याची योग्य वेळ आहे.बाँड. हे फंड सामान्यत: अशा लोकांसाठी योग्य असतात ज्यांना निष्क्रिय बचत असते आणि चांगल्या परताव्यासाठी गुंतवणूक करण्याची इच्छा असते. एकरकमी कितीही एकरकमी पेमेंट करता येईलम्युच्युअल फंड.

पद्धतशीर तुलनेत एकमुखी गुंतवणूक चांगली कार्य करतेगुंतवणूकीची योजना- केवळ जर बाजारातील उतार किंवा कमी मूल्यांकनावर गुंतवणूक केली गेली असेल. तथापि, एकमुखी रक्कमगुंतवणूक बाजाराचे मूल्यांकन वाढवित असताना किंवा गुंतवणूकीच्या सुरुवातीच्या टप्प्यात जेव्हा बाजारात सुधारणा होते तेव्हा एखादी जास्त गुंतवणूक करत असेल तर ती कार्य करू शकत नाही.

डेबिट फंडात कशी गुंतवणूक करावी: मूल्यांकन करा

निधी परतावा- अन्नाची नोंद चांगली असू शकते. फंड हाऊससाठी जा ज्यात सातत्यपूर्ण कामगिरी सादर करण्याचा मजबूत इतिहास आहे. फंडाचे मागील 1, 3 आणि 5 वर्षाचे रिटर्न तपासा आणि जर तो त्याच्या बेंचमार्कला हरवू शकला किंवा नाही.

वेळ होरायझन्स सामना- डेबिट फंड्स त्याच्या संबंधित मॅच्युरिटी कालावधीसह गुंतवणूकीच्या विविध निवडी देतात. गुंतवणूकदारांना त्यांच्या परिपक्वता कालावधीच्या आधारे गुंतवणूकीचा निर्णय घेण्याची आवश्यकता असते, तर ते इतरांशी देखील तुलना करू शकतातडेबिट फंड इन्स्ट्रुमेंट्स निवडा आणि त्यांच्या योजनेसाठी सर्वोत्तम अनुरुप निवडा. उदाहरणार्थ, जर आपण नंतर एक वर्षाच्या गुंतवणूकीच्या योजनेची मुदत पहात असाल तर, अल्प मुदतीचा कर्ज फंड आदर्शपणे भागवू शकेल.

खर्च प्रमाण- कर्ज फंडांमध्ये विचारात घेण्याजोगा एक महत्त्वाचा घटक म्हणजे त्याच्या खर्चाचे प्रमाण. उच्च खर्च अनुपात निधीच्या कार्यक्षमतेवर मोठा प्रभाव पाडते. उदाहरणार्थ,लिक्विड फंड b० बीपीएस पर्यंतचे सर्वात कमी खर्चाचे प्रमाण आहे (बीपीएस व्याज दर मोजण्यासाठी एक युनिट आहे ज्यामध्ये एक बीपीएस १% च्या १ / १० व्या बरोबरीचा आहे) तर, इतर कर्ज फंड १ 150० बीपीएस पर्यंत आकारू शकतात. तर एका डेट म्युच्युअल फंडामध्ये निवड करण्यासाठी मॅनेजमेंट फी किंवा फंड चालू खर्च यावर विचार करणे आवश्यक आहे.

शीर्ष 10 बेस्ट लंप सम सम कर्ज कर्ज म्युच्युअल फंड 2020 - 2021

खाली शीर्ष क्रमांकाचा निधी आहेकर्ज श्रेण्या प्रामुख्याने निधी असणेएयूएम> 2000 कोटी आणि अल्ट्रा-शॉर्ट, कॉर्पोरेट बाँड, पत जोखीम, कमी कालावधीच्या उप श्रेणींमध्ये आहेत.

Fund	NAV	Net Assets (Cr)	Min Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹573.935 ↑ 0.31	₹21,467	1,000	1.3	2.9	6.6	7.3	7.4	7.14%	5M 23D	6M 18D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹115.534 ↓ -0.26	₹27,913	1,000	-0.4	0.9	4	7	7.4	7.21%	4Y 6M 25D	7Y 4D
HDFC Corporate Bond Fund Growth	₹33.2725 ↓ -0.07	₹33,200	5,000	-0.5	0.8	4	7	7.3	7.24%	4Y 4M 24D	7Y 6M
ICICI Prudential Savings Fund Growth	₹569.02 ↑ 0.11	₹26,949	500	1.2	2.8	6.9	7.5	7.7	7.21%	11M 1D	1Y 4M 2D
SBI Credit Risk Fund Growth	₹47.6672 ↓ -0.04	₹2,148	5,000	1.2	2.6	6.5	8	7.9	8.41%	1Y 8M 5D	2Y 1M 17D
UTI Treasury Advantage Fund Growth	₹3,706.07 ↑ 0.11	₹2,990	10,000	1.1	2.6	6.4	7.2	7.5	6.85%	9M 7D	11M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Apr 26

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	ICICI Prudential Savings Fund	SBI Credit Risk Fund	UTI Treasury Advantage Fund
Point 1	Lower mid AUM (₹21,467 Cr).	Upper mid AUM (₹27,913 Cr).	Highest AUM (₹33,200 Cr).	Upper mid AUM (₹26,949 Cr).	Bottom quartile AUM (₹2,148 Cr).	Bottom quartile AUM (₹2,990 Cr).
Point 2	Established history (22+ yrs).	Oldest track record among peers (29 yrs).	Established history (15+ yrs).	Established history (23+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (bottom quartile).	Rating: 4★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 6.64% (upper mid).	1Y return: 4.00% (bottom quartile).	1Y return: 4.00% (bottom quartile).	1Y return: 6.86% (top quartile).	1Y return: 6.49% (upper mid).	1Y return: 6.39% (lower mid).
Point 6	1M return: 0.45% (top quartile).	1M return: -1.10% (bottom quartile).	1M return: -1.09% (bottom quartile).	1M return: 0.30% (upper mid).	1M return: 0.09% (lower mid).	1M return: 0.22% (upper mid).
Point 7	Sharpe: 2.39 (upper mid).	Sharpe: 0.51 (bottom quartile).	Sharpe: 0.52 (bottom quartile).	Sharpe: 2.48 (top quartile).	Sharpe: 1.78 (lower mid).	Sharpe: 2.06 (upper mid).
Point 8	Information 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 9	Yield to maturity (debt): 7.14% (bottom quartile).	Yield to maturity (debt): 7.21% (upper mid).	Yield to maturity (debt): 7.24% (upper mid).	Yield to maturity (debt): 7.21% (lower mid).	Yield to maturity (debt): 8.41% (top quartile).	Yield to maturity (debt): 6.85% (bottom quartile).
Point 10	Modified duration: 0.48 yrs (top quartile).	Modified duration: 4.57 yrs (bottom quartile).	Modified duration: 4.40 yrs (bottom quartile).	Modified duration: 0.92 yrs (upper mid).	Modified duration: 1.68 yrs (lower mid).	Modified duration: 0.77 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹21,467 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.64% (upper mid).
1M return: 0.45% (top quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.14% (bottom quartile).
Modified duration: 0.48 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹27,913 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.00% (bottom quartile).
1M return: -1.10% (bottom quartile).
Sharpe: 0.51 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.57 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹33,200 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.00% (bottom quartile).
1M return: -1.09% (bottom quartile).
Sharpe: 0.52 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.24% (upper mid).
Modified duration: 4.40 yrs (bottom quartile).

ICICI Prudential Savings Fund

Upper mid AUM (₹26,949 Cr).
Established history (23+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.86% (top quartile).
1M return: 0.30% (upper mid).
Sharpe: 2.48 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.21% (lower mid).
Modified duration: 0.92 yrs (upper mid).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,148 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.49% (upper mid).
1M return: 0.09% (lower mid).
Sharpe: 1.78 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.41% (top quartile).
Modified duration: 1.68 yrs (lower mid).

UTI Treasury Advantage Fund

Bottom quartile AUM (₹2,990 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (lower mid).
1M return: 0.22% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 0.77 yrs (upper 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 (₹21,467 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.64% (upper mid).
1M return: 0.45% (top quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.14% (bottom quartile).
Modified duration: 0.48 yrs (top quartile).
Average maturity: 0.55 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~43%).
High-quality debt (AAA/AA ~100%).
Largest holding Aditya BSL Money Mgr Dir Gr (~5.1%).

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 (02 Apr 26)	₹573.935 ↑ 0.31 (0.05 %)
Net Assets (Cr)	₹21,467 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.14%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,417
31 Mar 23	₹10,981
31 Mar 24	₹11,796
31 Mar 25	₹12,712
31 Mar 26	₹13,570

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for 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 2 Apr 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.9%
1 Year	6.6%
3 Year	7.3%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.7 Yr.
Kaustubh Gupta	15 Jul 11	14.64 Yr.
Monika Gandhi	22 Mar 21	4.94 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	42.74%
Debt	56.94%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	57.02%
Cash Equivalent	26.95%
Government	15.71%

Credit Quality

Rating	Value
AA	30.53%
AAA	69.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Money Mgr Dir Gr Investment Fund \| -	5%	₹1,101 Cr	28,181,297 ↑ 28,181,297
Shriram Finance Limited Debentures \| -	3%	₹612 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹545 Cr	54,000
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹351 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹321 Cr	32,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹303 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹297 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹286 Cr	28,500 ↑ 3,500

2. 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 (₹27,913 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.00% (bottom quartile).
1M return: -1.10% (bottom quartile).
Sharpe: 0.51 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 4.57 yrs (bottom quartile).
Average maturity: 7.01 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Gs 2040 (~7.4%).

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 (02 Apr 26)	₹115.534 ↓ -0.26 (-0.23 %)
Net Assets (Cr)	₹27,913 on 28 Feb 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.51
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 4 Days
Modified Duration	4 Years 6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,499
31 Mar 23	₹10,988
31 Mar 24	₹11,845
31 Mar 25	₹12,878
31 Mar 26	₹13,480

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for 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 2 Apr 26

Duration	Returns
1 Month	-1.1%
3 Month	-0.4%
6 Month	0.9%
1 Year	4%
3 Year	7%
5 Year	6.1%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	8.5%
2022	7.3%
2021	4.1%
2020	4%
2019	11.9%
2018	9.6%
2017	7%
2016	6.5%
2015	10.2%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.89 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	4.2%
Debt	95.5%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	55.71%
Government	39.79%
Cash Equivalent	4.2%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Gs 2040 Sovereign Bonds \| -	7%	₹2,074 Cr	214,500,000 ↑ 5,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,195 Cr	118,500
6.79% Gs 2034 Sovereign Bonds \| -	4%	₹1,074 Cr	106,519,400 ↓ -2,000,000
6.48% Gs 2035 Sovereign Bonds \| -	4%	₹1,056 Cr	107,000,000 ↑ 2,000,000
6.92% Gs 2039 Sovereign Bonds \| -	3%	₹884 Cr	88,736,200 ↑ 10,500,000
7.34% Gs 2064 Sovereign Bonds \| -	3%	₹713 Cr	72,000,000 ↓ -17,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹588 Cr	59,000
Bharti Telecom Limited Debentures \| -	2%	₹578 Cr	58,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹508 Cr	50,000
Bharti Telecom Limited Debentures \| -	2%	₹508 Cr	50,900

3. 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 (₹33,200 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 4.00% (bottom quartile).
1M return: -1.09% (bottom quartile).
Sharpe: 0.52 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.24% (upper mid).
Modified duration: 4.40 yrs (bottom quartile).
Average maturity: 7.50 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Gs 2040 (~8.8%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (02 Apr 26)	₹33.2725 ↓ -0.07 (-0.21 %)
Net Assets (Cr)	₹33,200 on 28 Feb 26
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	7 Years 6 Months
Modified Duration	4 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,483
31 Mar 23	₹10,903
31 Mar 24	₹11,768
31 Mar 25	₹12,783
31 Mar 26	₹13,375

HDFC Corporate Bond Fund SIP Returns

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

Returns for 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 2 Apr 26

Duration	Returns
1 Month	-1.1%
3 Month	-0.5%
6 Month	0.8%
1 Year	4%
3 Year	7%
5 Year	5.9%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	8.6%
2022	7.2%
2021	3.3%
2020	3.9%
2019	11.8%
2018	10.3%
2017	6.5%
2016	6.5%
2015	10.6%

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.35 Yr.
Dhruv Muchhal	22 Jun 23	2.69 Yr.

Data below for HDFC Corporate Bond Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	3.37%
Debt	96.32%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	58.56%
Government	37.75%
Cash Equivalent	3.39%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Gs 2040 Sovereign Bonds \| -	9%	₹2,919 Cr	302,000,000 ↓ -8,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,118 Cr	112,500
6.90% Gs 2065 Sovereign Bonds \| -	3%	₹1,021 Cr	109,000,000 ↓ -6,000,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	3%	₹840 Cr	81,000,000
State Bank Of India Debentures \| -	2%	₹772 Cr	775
HDFC Bank Limited Debentures \| -	2%	₹510 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	2%	₹505 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹504 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹466 Cr	4,500
Small Industries Development Bank Of India Debentures \| -	1%	₹457 Cr	45,000

4. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

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

Research Highlights for ICICI Prudential Savings Fund

Upper mid AUM (₹26,949 Cr).
Established history (23+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.86% (top quartile).
1M return: 0.30% (upper mid).
Sharpe: 2.48 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.21% (lower mid).
Modified duration: 0.92 yrs (upper mid).
Average maturity: 1.34 yrs (upper mid).
Exit load: NIL.
Top sector: Basic Materials.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~52%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.8%).

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (31 Mar 26)	₹569.02 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹26,949 on 15 Mar 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	2.48
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	1 Year 4 Months 2 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,417
31 Mar 23	₹10,997
31 Mar 24	₹11,863
31 Mar 25	₹12,801
31 Mar 26	₹13,678

ICICI Prudential Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential 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 2 Apr 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.8%
1 Year	6.9%
3 Year	7.5%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.46 Yr.
Darshil Dedhia	12 Jun 23	2.72 Yr.

Data below for ICICI Prudential Savings Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value
Cash	52.44%
Debt	47.29%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	70.29%
Cash Equivalent	34.68%

Credit Quality

Rating	Value
AA	13.94%
AAA	86.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹884 Cr	875
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹705 Cr	70,000
Goi Floating Rate Bond 2031 Sovereign Bonds \| -	2%	₹622 Cr	60,500,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	2%	₹508 Cr	49,012,850 ↓ -9,242,550
7.33% Karnataka Sgs 2033 Sovereign Bonds \| -	2%	₹503 Cr	50,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹470 Cr	10,000
Punjab National Bank Domestic Bonds \| -	2%	₹469 Cr	10,000
Bank of India Ltd. Debentures \| -	1%	₹469 Cr	10,000 ↑ 10,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹423 Cr	42,500
Piramal Finance Limited Debentures \| -	1%	₹377 Cr	37,500 ↑ 17,500

5. 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 (₹2,148 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.49% (upper mid).
1M return: 0.09% (lower mid).
Sharpe: 1.78 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.41% (top quartile).
Modified duration: 1.68 yrs (lower mid).
Average maturity: 2.13 yrs (lower 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.
Top bond sector: Corporate.
Debt-heavy allocation (~78%).
High-quality debt (AAA/AA ~82%).
Largest holding 7.02% Gs 2031 (~7.1%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (02 Apr 26)	₹47.6672 ↓ -0.04 (-0.08 %)
Net Assets (Cr)	₹2,148 on 15 Mar 26
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.78
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	8.41%
Effective Maturity	2 Years 1 Month 17 Days
Modified Duration	1 Year 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,556
31 Mar 23	₹11,051
31 Mar 24	₹12,021
31 Mar 25	₹13,029
31 Mar 26	₹13,928

SBI Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for 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 2 Apr 26

Duration	Returns
1 Month	0.1%
3 Month	1.2%
6 Month	2.6%
1 Year	6.5%
3 Year	8%
5 Year	6.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	8.1%
2022	8.3%
2021	4.2%
2020	5%
2019	9.8%
2018	6.5%
2017	6.2%
2016	6.9%
2015	10.5%

Fund Manager information for SBI Credit Risk Fund

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	9.08 Yr.

Data below for SBI Credit Risk Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value
Cash	17.03%
Equity	4.41%
Debt	78.18%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	61.85%
Cash Equivalent	17.03%
Government	16.34%

Credit Quality

Rating	Value
A	18.02%
AA	59.04%
AAA	22.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Gs 2031 Sovereign Bonds \| -	7%	₹154 Cr	15,000,000
Infopark Properties Limited Debentures \| -	5%	₹105 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹103 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹94 Cr	9,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹81 Cr	8,500
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000
Motilal Oswal Home Finance Limited Debentures \| -	3%	₹76 Cr	7,500

6. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

Bottom quartile AUM (₹2,990 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (lower mid).
1M return: 0.22% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 0.77 yrs (upper mid).
Average maturity: 0.94 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~41%).
High-quality debt (AAA/AA ~100%).
Largest holding 30/04/2026 Maturing 182 DTB (~4.1%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (02 Apr 26)	₹3,706.07 ↑ 0.11 (0.00 %)
Net Assets (Cr)	₹2,990 on 28 Feb 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	11 Months 8 Days
Modified Duration	9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,920
31 Mar 23	₹11,487
31 Mar 24	₹12,332
31 Mar 25	₹13,288
31 Mar 26	₹14,168

UTI Treasury Advantage Fund SIP 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 Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26

Duration	Returns
1 Month	0.2%
3 Month	1.1%
6 Month	2.6%
1 Year	6.4%
3 Year	7.2%
5 Year	7.2%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.25 Yr.

Data below for UTI Treasury Advantage Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	40.86%
Debt	58.82%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	63.23%
Cash Equivalent	31.4%
Government	5.04%

Credit Quality

Rating	Value
AA	11.06%
AAA	88.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹124 Cr	1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
Rec Limited Debentures \| -	3%	₹101 Cr	10,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹100 Cr	1,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹99 Cr	1,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹99 Cr	1,000,000,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900
LIC Housing Finance Ltd Debentures \| -	3%	₹76 Cr	750
Poonawalla Fincorp Limited Debentures \| -	3%	₹75 Cr	7,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹55 Cr	55

लंप सम सम कर्ज डेब्युट म्युच्युअल फंडामध्ये कशी गुंतवणूक करावी?

Fincash.com वर लाइफटाइमसाठी विनामूल्य गुंतवणूक खाते उघडा.

आपली नोंदणी आणि केवायसी प्रक्रिया पूर्ण करा

कागदपत्रे अपलोड करा (पॅन, आधार इ.)आणि, आपण गुंतवणूकीसाठी सज्ज आहात!

सुरु करूया

Disclaimer:
येथे प्रदान केलेली माहिती अचूक आहे हे सुनिश्चित करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या शुद्धतेबद्दल कोणतीही हमी दिलेली नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.