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ਵਧੀਆ ਮੱਧਮ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡ 2022

Updated on September 28, 2026 , 2810 views

4 ਤੋਂ 7 ਸਾਲਾਂ ਦੇ ਵਿਚਕਾਰ ਪੈਸਾ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ, ਪਰ ਨਹੀਂ ਚਾਹੁੰਦੇਬਜ਼ਾਰ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਨੂੰ ਪ੍ਰਭਾਵਿਤ ਕਰਨ ਲਈ ਅਸਥਿਰਤਾ? ਫਿਰ ਇੱਥੇ ਇੱਕ ਫੰਡ ਹੈ ਜੋ ਤੁਹਾਨੂੰ ਦੇਖਣ ਦੀ ਲੋੜ ਹੈ। ਮੱਧਮ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡ ਇੱਕ ਕਿਸਮ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਹਨ ਜਿਨ੍ਹਾਂ ਦੀ ਮੈਕਾਲੇ ਮਿਆਦ 4 ਤੋਂ 7 ਸਾਲਾਂ ਦੇ ਵਿਚਕਾਰ ਹੁੰਦੀ ਹੈ। ਇਸ ਲਈ, ਜੇਕਰ ਤੁਸੀਂ ਮੱਧ ਤੋਂ ਲੰਬੇ ਸਮੇਂ ਤੱਕ ਆਪਣੀ ਦੌਲਤ ਵਿੱਚੋਂ ਸਰਵੋਤਮ ਰਿਟਰਨ ਕਮਾਉਣਾ ਚਾਹੁੰਦੇ ਹੋ, ਤਾਂ ਮੱਧਮ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡ ਤੁਹਾਡੇ ਲਈ ਇੱਕ ਆਦਰਸ਼ ਫੰਡ ਹੋ ਸਕਦੇ ਹਨ।

ਮੱਧਮ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਦੀ ਸੰਖੇਪ ਜਾਣਕਾਰੀ

ਦਰਮਿਆਨੀ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡ ਕਰਜ਼ੇ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਅਤੇਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਉਹ ਯੰਤਰ ਜਿਨ੍ਹਾਂ ਦੀ ਔਸਤ ਪਰਿਪੱਕਤਾ 4 ਤੋਂ 7 ਸਾਲ (ਮੈਕਾਲੇ ਦੀ ਮਿਆਦ) ਦੇ ਵਿਚਕਾਰ ਹੁੰਦੀ ਹੈ। ਇਹ ਫੰਡ ਬਿਹਤਰ ਰਿਟਰਨ ਪ੍ਰਦਾਨ ਕਰ ਸਕਦੇ ਹਨ, ਪਰ ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਤਬਦੀਲੀਆਂ ਲਈ ਵਧੇਰੇ ਸੰਵੇਦਨਸ਼ੀਲ ਹੋ ਸਕਦੇ ਹਨ। ਜਦੋਂ ਵਿਆਜ ਦਰ ਵਧਦੀ ਹੈ ਤਾਂ ਬਾਂਡ ਦੀ ਕੀਮਤ ਘਟਦੀ ਹੈ ਅਤੇ ਇਸਦੇ ਉਲਟ। ਜਿਵੇਂ ਕਿ ਅਜਿਹੇ ਕਰਜ਼ੇ ਫੰਡ ਵਿਆਜ ਦਰ ਦੇ ਉਤਰਾਅ-ਚੜ੍ਹਾਅ ਦੇ ਸੰਪਰਕ ਵਿੱਚ ਆਉਂਦੇ ਹਨ, ਇਹ ਕੀਮਤਾਂ ਨੂੰ ਪਰੇਸ਼ਾਨ ਕਰਦੇ ਹਨਅੰਡਰਲਾਈੰਗ ਬਾਂਡ ਫੰਡ ਪੋਰਟਫੋਲੀਓ ਵਿੱਚ.

med-long-duration-funds

ਨਿਵੇਸ਼ਕ ਜੋ ਮੱਧਮ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ, ਉਹਨਾਂ ਨੂੰ ਕੁਝ ਪੱਧਰ ਦੇ ਜੋਖਮ ਨੂੰ ਬਰਦਾਸ਼ਤ ਕਰਨ ਦੇ ਯੋਗ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ, ਕਿਉਂਕਿ ਅਜਿਹੇ ਕਰਜ਼ੇ ਫੰਡ ਪੂਰੀ ਤਰ੍ਹਾਂ ਜੋਖਮ-ਮੁਕਤ ਨਹੀਂ ਹੁੰਦੇ ਹਨ। ਕਰਜ਼ਾ ਫੰਡਾਂ ਵਿੱਚ ਘੱਟ ਮਿਆਦ, ਛੋਟੀ ਮਿਆਦ, ਦਰਮਿਆਨੀ ਮਿਆਦ, ਦਰਮਿਆਨੀ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਅਤੇ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡਾਂ ਤੋਂ ਲੈ ਕੇ ਵੱਖ-ਵੱਖ ਪਰਿਪੱਕਤਾ ਸਕੀਮਾਂ ਦੀ ਚੋਣ ਹੁੰਦੀ ਹੈ। ਰਿਣ ਫੰਡਾਂ ਵਿੱਚ ਆਪਣੇ ਨਿਵੇਸ਼ ਦਾ ਸਭ ਤੋਂ ਵਧੀਆ ਲਾਭ ਉਠਾਉਣ ਲਈ, ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਉਹਨਾਂ ਦੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਅਧਾਰ ਤੇ ਨਿਵੇਸ਼ ਦਾ ਫੈਸਲਾ ਕਰਨ ਦੀ ਲੋੜ ਹੁੰਦੀ ਹੈ। ਜਿਵੇਂ ਕਿਹਾ, ਜੇਕਰ ਤੁਸੀਂ ਇੱਕ ਸਾਲ ਦੀ ਸਮਾਂ ਸੀਮਾ ਨੂੰ ਦੇਖ ਰਹੇ ਹੋਨਿਵੇਸ਼ ਯੋਜਨਾ, ਫਿਰ, ਇੱਕ ਛੋਟੀ ਮਿਆਦਕਰਜ਼ਾ ਫੰਡ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਅਨੁਕੂਲ ਹੋ ਸਕਦਾ ਹੈ.

ਕਰਜ਼ਾ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਟੈਕਸ

ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ 'ਤੇ ਟੈਕਸ ਪ੍ਰਭਾਵ ਦੀ ਗਣਨਾ ਹੇਠ ਲਿਖੇ ਤਰੀਕੇ ਨਾਲ ਕੀਤੀ ਜਾਂਦੀ ਹੈ-

ਛੋਟੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ

ਜੇਕਰ ਕਿਸੇ ਕਰਜ਼ੇ ਦੇ ਨਿਵੇਸ਼ ਦੀ ਹੋਲਡਿੰਗ ਮਿਆਦ 36 ਮਹੀਨਿਆਂ ਤੋਂ ਘੱਟ ਹੈ, ਤਾਂ ਇਸਨੂੰ ਇੱਕ ਛੋਟੀ ਮਿਆਦ ਦੇ ਨਿਵੇਸ਼ ਵਜੋਂ ਸ਼੍ਰੇਣੀਬੱਧ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਅਤੇ ਇਹਨਾਂ 'ਤੇ ਵਿਅਕਤੀਗਤ ਟੈਕਸ ਸਲੈਬ ਦੇ ਅਨੁਸਾਰ ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ।

ਲੰਬੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ

ਜੇ ਕਰਜ਼ੇ ਦੇ ਨਿਵੇਸ਼ ਦੀ ਹੋਲਡਿੰਗ ਮਿਆਦ 36 ਮਹੀਨਿਆਂ ਤੋਂ ਵੱਧ ਹੈ, ਤਾਂ ਇਸ ਨੂੰ ਲੰਬੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਵਜੋਂ ਸ਼੍ਰੇਣੀਬੱਧ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਅਤੇ ਸੂਚਕਾਂਕ ਲਾਭ ਦੇ ਨਾਲ 20% 'ਤੇ ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ।

ਪੂੰਜੀ ਲਾਭ ਨਿਵੇਸ਼ ਹੋਲਡਿੰਗ ਲਾਭ ਟੈਕਸੇਸ਼ਨ
ਘੱਟ ਸਮੇਂ ਲਈਪੂੰਜੀ ਲਾਭ 36 ਮਹੀਨਿਆਂ ਤੋਂ ਘੱਟ ਵਿਅਕਤੀ ਦੇ ਟੈਕਸ ਸਲੈਬ ਦੇ ਅਨੁਸਾਰ
ਲੰਬੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ 36 ਮਹੀਨਿਆਂ ਤੋਂ ਵੱਧ ਸੂਚਕਾਂਕ ਲਾਭਾਂ ਦੇ ਨਾਲ 20%

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ਵਿੱਤੀ ਸਾਲ 22 - 23 ਤੱਕ ਚੋਟੀ ਦੇ 11 ਸਰਵੋਤਮ ਪ੍ਰਦਰਸ਼ਨ ਕਰਨ ਵਾਲੇ ਮੱਧਮ ਤੋਂ ਲੰਬੀ ਮਿਆਦ ਦੇ ਫੰਡ

Fund3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
LIC MF Bond Fund Growth 03.54.26.46.16.95%5Y 2M 8D11Y 6M 25D
ICICI Prudential Bond Fund Growth -0.63.13.86.66.77.57%5Y 11M 19D13Y 3M 25D
SBI Magnum Income Fund Growth -0.333.765.97.77%4Y 1M 2D7Y 5M 5D
Nippon India Income Fund Growth -0.53.13.55.84.97.27%6Y 6M 14D13Y 6M 11D
Kotak Bond Fund Growth -0.53.43.565.47.02%5Y 6M 11D11Y 5M 1D
HDFC Income Fund Growth -0.73.43.36.15.57.31%5Y 9M 22D12Y 10M 17D
UTI Bond Fund Growth -0.12.93.25.95.67.79%4Y 1M 6D7Y 3M 25D
Aditya Birla Sun Life Income Fund Growth -0.82.92.75.75.17.54%6Y 7M 6D14Y 9M 11D
Canara Robeco Income Fund  Growth -0.522.154.36.6%3Y 10M 28D8Y 2M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26

Research Highlights & Commentary of 9 Funds showcased

CommentaryLIC MF Bond FundICICI Prudential Bond FundSBI Magnum Income FundNippon India Income FundKotak Bond FundHDFC Income FundUTI Bond FundAditya Birla Sun Life Income FundCanara Robeco Income Fund 
Point 1Bottom quartile AUM (₹175 Cr).Highest AUM (₹2,048 Cr).Top quartile AUM (₹2,046 Cr).Lower mid AUM (₹329 Cr).Upper mid AUM (₹1,784 Cr).Lower mid AUM (₹830 Cr).Bottom quartile AUM (₹303 Cr).Upper mid AUM (₹1,770 Cr).Bottom quartile AUM (₹111 Cr).
Point 2Established history (27+ yrs).Established history (18+ yrs).Established history (27+ yrs).Established history (28+ yrs).Established history (26+ yrs).Established history (26+ yrs).Established history (28+ yrs).Oldest track record among peers (30 yrs).Established history (24+ yrs).
Point 3Not Rated.Rating: 3★ (upper mid).Top rated.Rating: 2★ (lower mid).Rating: 2★ (lower mid).Rating: 2★ (bottom quartile).Rating: 4★ (top quartile).Rating: 3★ (upper mid).Not Rated.
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.
Point 51Y return: 4.24% (top quartile).1Y return: 3.84% (top quartile).1Y return: 3.71% (upper mid).1Y return: 3.53% (upper mid).1Y return: 3.46% (lower mid).1Y return: 3.27% (lower mid).1Y return: 3.23% (bottom quartile).1Y return: 2.71% (bottom quartile).1Y return: 2.07% (bottom quartile).
Point 61M return: 0.06% (top quartile).1M return: -0.54% (bottom quartile).1M return: -0.16% (upper mid).1M return: -0.13% (top quartile).1M return: -0.52% (bottom quartile).1M return: -0.42% (lower mid).1M return: -0.22% (upper mid).1M return: -0.45% (bottom quartile).1M return: -0.44% (lower mid).
Point 7Sharpe: -0.19 (upper mid).Sharpe: -0.05 (top quartile).Sharpe: -0.25 (lower mid).Sharpe: -0.24 (lower mid).Sharpe: -0.12 (top quartile).Sharpe: -0.20 (upper mid).Sharpe: -0.43 (bottom quartile).Sharpe: -0.42 (bottom quartile).Sharpe: -0.97 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.95% (bottom quartile).Yield to maturity (debt): 7.57% (upper mid).Yield to maturity (debt): 7.77% (top quartile).Yield to maturity (debt): 7.27% (lower mid).Yield to maturity (debt): 7.02% (bottom quartile).Yield to maturity (debt): 7.31% (lower mid).Yield to maturity (debt): 7.79% (top quartile).Yield to maturity (debt): 7.54% (upper mid).Yield to maturity (debt): 6.60% (bottom quartile).
Point 10Modified duration: 5.19 yrs (upper mid).Modified duration: 5.97 yrs (bottom quartile).Modified duration: 4.09 yrs (top quartile).Modified duration: 6.54 yrs (bottom quartile).Modified duration: 5.53 yrs (lower mid).Modified duration: 5.81 yrs (lower mid).Modified duration: 4.10 yrs (upper mid).Modified duration: 6.60 yrs (bottom quartile).Modified duration: 3.91 yrs (top quartile).

LIC MF Bond Fund

  • Bottom quartile AUM (₹175 Cr).
  • Established history (27+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 4.24% (top quartile).
  • 1M return: 0.06% (top quartile).
  • Sharpe: -0.19 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.95% (bottom quartile).
  • Modified duration: 5.19 yrs (upper mid).

ICICI Prudential Bond Fund

  • Highest AUM (₹2,048 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 3.84% (top quartile).
  • 1M return: -0.54% (bottom quartile).
  • Sharpe: -0.05 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.57% (upper mid).
  • Modified duration: 5.97 yrs (bottom quartile).

SBI Magnum Income Fund

  • Top quartile AUM (₹2,046 Cr).
  • Established history (27+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 3.71% (upper mid).
  • 1M return: -0.16% (upper mid).
  • Sharpe: -0.25 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.77% (top quartile).
  • Modified duration: 4.09 yrs (top quartile).

Nippon India Income Fund

  • Lower mid AUM (₹329 Cr).
  • Established history (28+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 3.53% (upper mid).
  • 1M return: -0.13% (top quartile).
  • Sharpe: -0.24 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.27% (lower mid).
  • Modified duration: 6.54 yrs (bottom quartile).

Kotak Bond Fund

  • Upper mid AUM (₹1,784 Cr).
  • Established history (26+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 3.46% (lower mid).
  • 1M return: -0.52% (bottom quartile).
  • Sharpe: -0.12 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.02% (bottom quartile).
  • Modified duration: 5.53 yrs (lower mid).

HDFC Income Fund

  • Lower mid AUM (₹830 Cr).
  • Established history (26+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.27% (lower mid).
  • 1M return: -0.42% (lower mid).
  • Sharpe: -0.20 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.31% (lower mid).
  • Modified duration: 5.81 yrs (lower mid).

UTI Bond Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (28+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.23% (bottom quartile).
  • 1M return: -0.22% (upper mid).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.79% (top quartile).
  • Modified duration: 4.10 yrs (upper mid).

Aditya Birla Sun Life Income Fund

  • Upper mid AUM (₹1,770 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 2.71% (bottom quartile).
  • 1M return: -0.45% (bottom quartile).
  • Sharpe: -0.42 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.54% (upper mid).
  • Modified duration: 6.60 yrs (bottom quartile).

Canara Robeco Income Fund 

  • Bottom quartile AUM (₹111 Cr).
  • Established history (24+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 2.07% (bottom quartile).
  • 1M return: -0.44% (lower mid).
  • Sharpe: -0.97 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.60% (bottom quartile).
  • Modified duration: 3.91 yrs (top quartile).

1. LIC MF Bond Fund

LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Bond Fund

  • Bottom quartile AUM (₹175 Cr).
  • Established history (27+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 4.24% (top quartile).
  • 1M return: 0.06% (top quartile).
  • Sharpe: -0.19 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.95% (bottom quartile).
  • Modified duration: 5.19 yrs (upper mid).
  • Average maturity: 11.57 yrs (lower mid).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).
  • Higher exposure to Basic Materials vs peer median.
  • Top bond sector: Government.
  • Debt-heavy allocation (~66%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~8.7%).

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund
Growth
Launch Date 15 Sep 99
NAV (30 Sep 26) ₹75.6375 ↑ 0.03   (0.04 %)
Net Assets (Cr) ₹175 on 31 Aug 26
Category Debt - Medium to Long term
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.1
Sharpe Ratio -0.19
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 6.95%
Effective Maturity 11 Years 6 Months 25 Days
Modified Duration 5 Years 2 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,125
30 Sep 23₹10,865
30 Sep 24₹11,822
30 Sep 25₹12,552

LIC MF Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for LIC MF 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 30 Sep 26

DurationReturns
1 Month 0.1%
3 Month 0%
6 Month 3.5%
1 Year 4.2%
3 Year 6.4%
5 Year 5.5%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.1%
2023 9%
2022 6.5%
2021 2.8%
2020 1.3%
2019 8.8%
2018 9.7%
2017 4.9%
2016 2.2%
2015 12.3%
Fund Manager information for LIC MF Bond Fund
NameSinceTenure
Rahul Singh1 Oct 250.92 Yr.
Pratik Shroff26 Sep 232.93 Yr.

Data below for LIC MF Bond Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash33.52%
Debt66.13%
Other0.35%
Debt Sector Allocation
SectorValue
Government43.04%
Corporate42.69%
Cash Equivalent13.92%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
9%₹15 Cr1,500
7.3% Govt Stock 2053
Sovereign Bonds | -
8%₹15 Cr1,500,000
Canara Bank
Domestic Bonds | -
8%₹14 Cr300
Power Finance Corporation Limited
Debentures | -
6%₹10 Cr1,000
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹10 Cr1,000
7.33% Govt Stock 2026
Sovereign Bonds | -
6%₹10 Cr1,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
6%₹10 Cr1,000,000
↑ 1,000,000
6.9% Govt Stock 2065
Sovereign Bonds | -
5%₹9 Cr1,000,000
7.63% Maharashtra Sdl 2030
Sovereign Bonds | -
3%₹5 Cr500,000
National Highways Authority Of India
Debentures | -
3%₹5 Cr50
↑ 50

2. ICICI Prudential Bond Fund

(Erstwhile ICICI Prudential Income Opportunities Fund)

ICICI Prudential Income Opportunities Fund is an open-ended income fund that intends to generate income through investments in a range of debt and money market instruments of various credit ratings and maturities

Research Highlights for ICICI Prudential Bond Fund

  • Highest AUM (₹2,048 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 3.84% (top quartile).
  • 1M return: -0.54% (bottom quartile).
  • Sharpe: -0.05 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.57% (upper mid).
  • Modified duration: 5.97 yrs (bottom quartile).
  • Average maturity: 13.32 yrs (bottom quartile).
  • Exit load: 0-6 Months (1%),6 Months and above(NIL).
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.34% Govt Stock 2064 (~8.9%).

Below is the key information for ICICI Prudential Bond Fund

ICICI Prudential Bond Fund
Growth
Launch Date 18 Aug 08
NAV (30 Sep 26) ₹42.0164 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹2,048 on 31 Aug 26
Category Debt - Medium to Long term
AMC ICICI Prudential Asset Management Company Limited
Rating ☆☆☆
Risk Moderate
Expense Ratio 1.03
Sharpe Ratio -0.05
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-6 Months (1%),6 Months and above(NIL)
Yield to Maturity 7.57%
Effective Maturity 13 Years 3 Months 25 Days
Modified Duration 5 Years 11 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,170
30 Sep 23₹10,910
30 Sep 24₹11,914
30 Sep 25₹12,727

ICICI Prudential Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for ICICI Prudential 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 30 Sep 26

DurationReturns
1 Month -0.5%
3 Month -0.6%
6 Month 3.1%
1 Year 3.8%
3 Year 6.6%
5 Year 5.7%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.7%
2023 8.6%
2022 7.7%
2021 3.1%
2020 2.9%
2019 11.5%
2018 10.9%
2017 4.6%
2016 5.3%
2015 11.3%
Fund Manager information for ICICI Prudential Bond Fund
NameSinceTenure
Manish Banthia22 Jan 242.61 Yr.
Ritesh Lunawat22 Jan 242.61 Yr.

Data below for ICICI Prudential Bond Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash8.25%
Debt91.3%
Other0.45%
Debt Sector Allocation
SectorValue
Government66.84%
Corporate26.85%
Cash Equivalent5.86%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
9%₹181 Cr19,081,000
6.9% Govt Stock 2065
Sovereign Bonds | -
7%₹133 Cr14,808,250
Summit Digitel Infrastructure Limited
Debentures | -
6%₹117 Cr11,650
HDFC Bank Limited
Debentures | -
5%₹106 Cr1,100
Pipeline Infrastructure Limited
Debentures | -
4%₹74 Cr7,400
6.94% Govt Stock 2036
Sovereign Bonds | -
4%₹74 Cr7,500,000
↑ 5,000,000
7.15% Maharashtra Sgs 2049
Sovereign Bonds | -
3%₹69 Cr7,500,000
7.16% Maharashtra Sgs 2050
Sovereign Bonds | -
3%₹69 Cr7,500,000
7.13% Maharashtra Sgs 2048
Sovereign Bonds | -
3%₹67 Cr7,289,900
National Bank For Agriculture And Rural Development
Debentures | -
3%₹60 Cr6,000

3. SBI Magnum Income Fund

To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities.

Research Highlights for SBI Magnum Income Fund

  • Top quartile AUM (₹2,046 Cr).
  • Established history (27+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 3.71% (upper mid).
  • 1M return: -0.16% (upper mid).
  • Sharpe: -0.25 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.77% (top quartile).
  • Modified duration: 4.09 yrs (top quartile).
  • Average maturity: 7.43 yrs (top quartile).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).
  • Top sector: Financial Services.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~86%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.24% Govt Stock 2055 (~11.7%).

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund
Growth
Launch Date 25 Nov 98
NAV (30 Sep 26) ₹73.5925 ↑ 0.01   (0.01 %)
Net Assets (Cr) ₹2,046 on 31 Aug 26
Category Debt - Medium to Long term
AMC SBI Funds Management Private Limited
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1.46
Sharpe Ratio -0.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 7.77%
Effective Maturity 7 Years 5 Months 5 Days
Modified Duration 4 Years 1 Month 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,141
30 Sep 23₹10,903
30 Sep 24₹11,855
30 Sep 25₹12,539

SBI Magnum Income Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Magnum Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.2%
3 Month -0.3%
6 Month 3%
1 Year 3.7%
3 Year 6%
5 Year 5.4%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.9%
2023 8.1%
2022 7.2%
2021 3%
2020 3.6%
2019 11.6%
2018 11.7%
2017 4.7%
2016 5.7%
2015 13.4%
Fund Manager information for SBI Magnum Income Fund
NameSinceTenure
Mohit Jain1 Jul 251.17 Yr.

Data below for SBI Magnum Income Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash13.59%
Equity0.3%
Debt85.8%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate54.14%
Government31.66%
Cash Equivalent13.59%
Credit Quality
RatingValue
AA50.88%
AAA49.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.24% Govt Stock 2055
Sovereign Bonds | -
12%₹238 Cr25,000,000
6.94% Govt Stock 2036
Sovereign Bonds | -
8%₹173 Cr17,500,000
Muthoot Finance Limited
Debentures | -
5%₹99 Cr10,000
6.68% Govt Stock 2040
Sovereign Bonds | -
5%₹95 Cr10,000,000
↓ -10,000,000
6.9% Bihar Sgs 2035
Sovereign Bonds | -
5%₹94 Cr10,000,000
Jsw Jfe Kalinga Steel Limited
Debentures | -
4%₹78 Cr7,500
Torrent Power Limited
Debentures | -
4%₹76 Cr7,500
Adani Power Limited
Debentures | -
3%₹70 Cr7,000
↑ 7,000
Indostar Capital Finance Limited
Debentures | -
3%₹69 Cr7,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
3%₹68 Cr7,500

4. Nippon India Income Fund

The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments.

Research Highlights for Nippon India Income Fund

  • Lower mid AUM (₹329 Cr).
  • Established history (28+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 3.53% (upper mid).
  • 1M return: -0.13% (top quartile).
  • Sharpe: -0.24 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.27% (lower mid).
  • Modified duration: 6.54 yrs (bottom quartile).
  • Average maturity: 13.53 yrs (bottom quartile).
  • Exit load: 0-15 Days (0.25%),15 Days and above(NIL).
  • Top sector: Financial Services.
  • Higher exposure to Government (bond sector) vs peer median.
  • Conservative stance with elevated cash (~38%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.9% Govt Stock 2065 (~11.3%).

Below is the key information for Nippon India Income Fund

Nippon India Income Fund
Growth
Launch Date 1 Jan 98
NAV (30 Sep 26) ₹92.6618 ↑ 0.02   (0.02 %)
Net Assets (Cr) ₹329 on 31 Aug 26
Category Debt - Medium to Long term
AMC Nippon Life Asset Management Ltd.
Rating ☆☆
Risk Moderate
Expense Ratio 1.51
Sharpe Ratio -0.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity 7.27%
Effective Maturity 13 Years 6 Months 11 Days
Modified Duration 6 Years 6 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,124
30 Sep 23₹10,814
30 Sep 24₹11,819
30 Sep 25₹12,355

Nippon India Income Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.1%
3 Month -0.5%
6 Month 3.1%
1 Year 3.5%
3 Year 5.8%
5 Year 5%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 4.9%
2023 8.1%
2022 6.8%
2021 3.3%
2020 1.2%
2019 10.5%
2018 11.4%
2017 6.1%
2016 2.4%
2015 13.8%
Fund Manager information for Nippon India Income Fund
NameSinceTenure
Vivek Sharma1 Feb 206.59 Yr.
Kinjal Desai25 May 188.28 Yr.
Amber Singhania11 Mar 260.48 Yr.

Data below for Nippon India Income Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash38.14%
Debt61.46%
Other0.4%
Debt Sector Allocation
SectorValue
Government59.94%
Cash Equivalent38.14%
Corporate1.52%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
11%₹36 Cr4,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
10%₹33 Cr3,500,000
7.03% Tamilnadu SDL 2030
Sovereign Bonds | -
9%₹30 Cr3,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
8%₹25 Cr2,500,000
↑ 2,500,000
National Bank For Agriculture And Rural Development
Debentures | -
8%₹25 Cr2,500
6.79% Andhra Sgs 2036
Sovereign Bonds | -
7%₹23 Cr2,500,000
7.24% Govt Stock 2055
Sovereign Bonds | -
6%₹19 Cr2,000,000
Rec Limited
Debentures | -
2%₹5 Cr50
Corporate Debt Market Development Fund Class A2
- | -
0%₹1 Cr1,049
7.26% Govt Stock 2029
Sovereign Bonds | -
0%₹0 Cr300

5. Kotak Bond Fund

(Erstwhile Kotak Bond Regular Plan Growth)

To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized

Research Highlights for Kotak Bond Fund

  • Upper mid AUM (₹1,784 Cr).
  • Established history (26+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 3.46% (lower mid).
  • 1M return: -0.52% (bottom quartile).
  • Sharpe: -0.12 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.02% (bottom quartile).
  • Modified duration: 5.53 yrs (lower mid).
  • Average maturity: 11.42 yrs (upper mid).
  • Exit load: 0-3 Months (0.2%),3 Months and above(NIL).
  • Top sector: Industrials.
  • Top bond sector: Government.
  • Debt-heavy allocation (~83%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.24% Govt Stock 2055 (~15.7%).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund
Growth
Launch Date 25 Nov 99
NAV (30 Sep 26) ₹79.5757 ↑ 0.03   (0.03 %)
Net Assets (Cr) ₹1,784 on 31 Aug 26
Category Debt - Medium to Long term
AMC Kotak Mahindra Asset Management Co Ltd
Rating ☆☆
Risk Moderate
Expense Ratio 1.65
Sharpe Ratio -0.12
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-3 Months (0.2%),3 Months and above(NIL)
Yield to Maturity 7.02%
Effective Maturity 11 Years 5 Months 1 Day
Modified Duration 5 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,054
30 Sep 23₹10,684
30 Sep 24₹11,688
30 Sep 25₹12,284

Kotak Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for Kotak Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.5%
3 Month -0.5%
6 Month 3.4%
1 Year 3.5%
3 Year 6%
5 Year 4.9%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.4%
2023 8.2%
2022 6.8%
2021 1.7%
2020 2.4%
2019 12.3%
2018 10.3%
2017 5.2%
2016 0.9%
2015 14.3%
Fund Manager information for Kotak Bond Fund
NameSinceTenure
Abhishek Bisen15 Apr 0818.39 Yr.

Data below for Kotak Bond Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash11.1%
Equity5%
Debt83.1%
Other0.8%
Debt Sector Allocation
SectorValue
Government46.99%
Corporate36.1%
Cash Equivalent11.1%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.24% Govt Stock 2055
Sovereign Bonds | -
16%₹279 Cr29,269,600
↓ -1,100,000
6.48% Govt Stock 2035
Sovereign Bonds | -
8%₹144 Cr15,000,000
National Housing Bank
Debentures | -
8%₹134 Cr14,000
Power Finance Corporation Ltd.** 0.076
Debentures | -
6%₹99 Cr10,000
↑ 10,000
Small Industries Development Bank Of India
Debentures | -
6%₹99 Cr10,000
7.09% Govt Stock 2054
Sovereign Bonds | -
5%₹93 Cr10,000,000
Capital Infra Trust InvITs (Industrials)
Equity, Since 31 Dec 25 | CAPINVIT
5%₹80 Cr10,456,431
7.45% Bihar Sgs 2034
Sovereign Bonds | -
4%₹79 Cr8,000,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
4%₹73 Cr75
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
4%₹73 Cr75

6. HDFC Income Fund

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

Research Highlights for HDFC Income Fund

  • Lower mid AUM (₹830 Cr).
  • Established history (26+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.27% (lower mid).
  • 1M return: -0.42% (lower mid).
  • Sharpe: -0.20 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.31% (lower mid).
  • Modified duration: 5.81 yrs (lower mid).
  • Average maturity: 12.88 yrs (lower mid).
  • Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Government.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.24% Govt Stock 2055 (~11.6%).

Below is the key information for HDFC Income Fund

HDFC Income Fund
Growth
Launch Date 11 Sep 00
NAV (30 Sep 26) ₹60.2273 ↑ 0.02   (0.03 %)
Net Assets (Cr) ₹830 on 31 Aug 26
Category Debt - Medium to Long term
AMC HDFC Asset Management Company Limited
Rating ☆☆
Risk Moderate
Expense Ratio 1.38
Sharpe Ratio -0.2
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 7.31%
Effective Maturity 12 Years 10 Months 17 Days
Modified Duration 5 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹9,962
30 Sep 23₹10,552
30 Sep 24₹11,587
30 Sep 25₹12,217

HDFC Income 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 HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.4%
3 Month -0.7%
6 Month 3.4%
1 Year 3.3%
3 Year 6.1%
5 Year 4.8%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.5%
2023 9%
2022 6.1%
2021 0.9%
2020 2.1%
2019 9.3%
2018 8.7%
2017 3.6%
2016 1.3%
2015 14.5%
Fund Manager information for HDFC Income Fund
NameSinceTenure
Anupam Joshi7 Mar 260.49 Yr.
Dhruv Muchhal22 Jun 233.2 Yr.

Data below for HDFC Income Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash4.81%
Equity0.56%
Debt94.29%
Other0.33%
Debt Sector Allocation
SectorValue
Government53.83%
Corporate40.46%
Cash Equivalent4.81%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.24% Govt Stock 2055
Sovereign Bonds | -
12%₹95 Cr10,000,000
↓ -5,000,000
Rec Limited
Debentures | -
6%₹50 Cr5,000
↑ 5,000
Small Industries Development Bank Of India
Debentures | -
6%₹49 Cr5,000
6.9% Govt Stock 2065
Sovereign Bonds | -
5%₹40 Cr4,500,000
↓ -500,000
7.23% Govt Stock 2039
Sovereign Bonds | -
5%₹40 Cr4,000,000
Hdb Financial Services Limited
Debentures | -
4%₹35 Cr3,500
Indian Railway Finance Corporation Limited
Debentures | -
4%₹35 Cr350
Smfg India Credit Company Limited
Debentures | -
4%₹35 Cr3,500
Ntpc Limited
Debentures | -
3%₹25 Cr250
Small Industries Development Bank Of India
Debentures | -
3%₹25 Cr2,500
↑ 2,500

7. UTI Bond Fund

(Erstwhile UTI - Bond Fund)

The Scheme will retain the flexibility to invest in the entire range of debt and money market instruments. The flexibility is being retained to adjust the portfolio in response to a change in the risk to return equation for asset classes under investment, with a view to maintain risks within manageable limits.

Research Highlights for UTI Bond Fund

  • Bottom quartile AUM (₹303 Cr).
  • Established history (28+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderate.
  • 1Y return: 3.23% (bottom quartile).
  • 1M return: -0.22% (upper mid).
  • Sharpe: -0.43 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.79% (top quartile).
  • Modified duration: 4.10 yrs (upper mid).
  • Average maturity: 7.32 yrs (top quartile).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~92%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Summit Digitel Infrastructure Limited (~8.2%).

Below is the key information for UTI Bond Fund

UTI Bond Fund
Growth
Launch Date 4 May 98
NAV (30 Sep 26) ₹75.9679 ↑ 0.03   (0.04 %)
Net Assets (Cr) ₹303 on 15 Aug 26
Category Debt - Medium to Long term
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1.62
Sharpe Ratio -0.43
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.79%
Effective Maturity 7 Years 3 Months 25 Days
Modified Duration 4 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,847
30 Sep 23₹11,590
30 Sep 24₹12,607
30 Sep 25₹13,327

UTI Bond Fund SIP Returns

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

Returns for UTI 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 30 Sep 26

DurationReturns
1 Month -0.2%
3 Month -0.1%
6 Month 2.9%
1 Year 3.2%
3 Year 5.9%
5 Year 6.6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.6%
2023 8.5%
2022 6.4%
2021 9.9%
2020 9.4%
2019 1.1%
2018 -5.8%
2017 4%
2016 3.6%
2015 13.9%
Fund Manager information for UTI Bond Fund
NameSinceTenure
Amit Sharma3 Nov 250.83 Yr.

Data below for UTI Bond Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash7.48%
Debt92.2%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate59.2%
Government33%
Cash Equivalent7.48%
Credit Quality
RatingValue
AA30.15%
AAA69.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Summit Digitel Infrastructure Limited
Debentures | -
8%₹25 Cr250
Bajaj Housing Finance Limited
Debentures | -
8%₹25 Cr2,500
7.08% Andhra Sgs 2037
Sovereign Bonds | -
8%₹24 Cr250,000,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
6%₹19 Cr20
Jtpm Metal TRaders Limited
Debentures | -
6%₹18 Cr1,700
6.9% Govt Stock 2065
Sovereign Bonds | -
6%₹18 Cr200,000,000
Piramal Finance Limited
Debentures | -
5%₹15 Cr1,500
Aditya Birla Renewables Limited
Debentures | -
5%₹15 Cr1,500
Muthoot Finance Limited
Debentures | -
5%₹15 Cr1,500
Torrent Pharmaceuticals Ltd
Debentures | -
5%₹15 Cr1,500

8. Aditya Birla Sun Life Income Fund

(Erstwhile Aditya Birla Sun Life Income Plus)

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Research Highlights for Aditya Birla Sun Life Income Fund

  • Upper mid AUM (₹1,770 Cr).
  • Oldest track record among peers (30 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 2.71% (bottom quartile).
  • 1M return: -0.45% (bottom quartile).
  • Sharpe: -0.42 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.54% (upper mid).
  • Modified duration: 6.60 yrs (bottom quartile).
  • Average maturity: 14.78 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Utility.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.34% Govt Stock 2064 (~12.6%).

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

Aditya Birla Sun Life Income Fund
Growth
Launch Date 21 Oct 95
NAV (30 Sep 26) ₹129.073 ↑ 0.08   (0.06 %)
Net Assets (Cr) ₹1,770 on 31 Aug 26
Category Debt - Medium to Long term
AMC Birla Sun Life Asset Management Co Ltd
Rating ☆☆☆
Risk Moderate
Expense Ratio 1.13
Sharpe Ratio -0.42
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.54%
Effective Maturity 14 Years 9 Months 11 Days
Modified Duration 6 Years 7 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,118
30 Sep 23₹10,789
30 Sep 24₹11,778
30 Sep 25₹12,395

Aditya Birla Sun Life Income 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 Aditya Birla Sun Life Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.4%
3 Month -0.8%
6 Month 2.9%
1 Year 2.7%
3 Year 5.7%
5 Year 4.9%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.1%
2023 8.4%
2022 6.6%
2021 2.4%
2020 4%
2019 12.8%
2018 9.5%
2017 5.1%
2016 2.8%
2015 14.4%
Fund Manager information for Aditya Birla Sun Life Income Fund
NameSinceTenure
Bhupesh Bameta6 Aug 206.07 Yr.

Data below for Aditya Birla Sun Life Income Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash3.95%
Debt96.05%
Debt Sector Allocation
SectorValue
Government73.52%
Corporate22.53%
Cash Equivalent3.95%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
13%₹221 Cr23,233,900
↓ -1,500,000
7.71% Govt Stock 2066
Sovereign Bonds | -
6%₹105 Cr10,508,700
↑ 1,000,000
Tata Capital Housing Finance Limited
Debentures | -
4%₹73 Cr7,500
7.44% Karnataka Sgs 2033
Sovereign Bonds | -
3%₹54 Cr5,446,300
Tata Capital Housing Finance Limited
Debentures | -
3%₹50 Cr5,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹50 Cr5,000
↑ 2,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹49 Cr5,000
State Government Of Karnataka
Sovereign Bonds | -
3%₹49 Cr5,000,000
↑ 5,000,000
7.36% Karnataka Sgs 2034
Sovereign Bonds | -
3%₹49 Cr5,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
3%₹48 Cr5,000,000

9. Canara Robeco Income Fund 

(Erstwhile Canara Robeco Income)

To generate income through investment in debt and money market securities of different maturity and issuers of different risk profiles. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Income Fund 

  • Bottom quartile AUM (₹111 Cr).
  • Established history (24+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 2.07% (bottom quartile).
  • 1M return: -0.44% (lower mid).
  • Sharpe: -0.97 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.60% (bottom quartile).
  • Modified duration: 3.91 yrs (top quartile).
  • Average maturity: 8.21 yrs (upper mid).
  • Exit load: 0-12 Months (1%),12 Months and above(NIL).
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~92%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.94% Govt Stock 2036 (~31.2%).
  • Top-3 holdings concentration ~57.1%.

Below is the key information for Canara Robeco Income Fund 

Canara Robeco Income Fund 
Growth
Launch Date 19 Sep 02
NAV (30 Sep 26) ₹56.6899 ↓ -0.02   (-0.04 %)
Net Assets (Cr) ₹111 on 31 Aug 26
Category Debt - Medium to Long term
AMC Canara Robeco Asset Management Co. Ltd.
Rating Not Rated
Risk Moderate
Expense Ratio 1.9
Sharpe Ratio -0.97
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 6.6%
Effective Maturity 8 Years 2 Months 17 Days
Modified Duration 3 Years 10 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,000
30 Sep 23₹10,564
30 Sep 24₹11,466
30 Sep 25₹11,987

Canara Robeco Income 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 Canara Robeco Income Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26

DurationReturns
1 Month -0.4%
3 Month -0.5%
6 Month 2%
1 Year 2.1%
3 Year 5%
5 Year 4.1%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 4.3%
2023 7.6%
2022 5.6%
2021 1.6%
2020 1.9%
2019 10.1%
2018 10.3%
2017 5.2%
2016 3.5%
2015 12.7%
Fund Manager information for Canara Robeco Income Fund 
NameSinceTenure
Suman Prasad2 Apr 260.41 Yr.
Avnish Jain25 Jun 1412.19 Yr.

Data below for Canara Robeco Income Fund  as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash7.62%
Debt92.04%
Other0.34%
Debt Sector Allocation
SectorValue
Government92.04%
Cash Equivalent7.62%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.94% Govt Stock 2036
Sovereign Bonds | -
31%₹35 Cr3,500,000
6.45% Govt Stock 2034
Sovereign Bonds | -
14%₹15 Cr1,500,000
6.9% Govt Stock 2065
Sovereign Bonds | -
12%₹13 Cr1,500,000
7.02% Kerala SDL 2028
Sovereign Bonds | -
9%₹10 Cr1,000,000
7.24% Govt Stock 2055
Sovereign Bonds | -
9%₹10 Cr1,000,000
↑ 250,000
8.34% Uttarpradesh Sdl 2029
Sovereign Bonds | -
5%₹5 Cr500,000
8.15% Rajasthan Sdl 2029
Sovereign Bonds | -
5%₹5 Cr500,000
7.11% Tamilnadu SDL 2029
Sovereign Bonds | -
4%₹5 Cr500,000
India (Republic of) 6.53%
Sovereign Bonds | -
2%₹2 Cr250,000
↑ 250,000
India (Republic of)
- | -
1%₹1 Cr100,000
↑ 100,000

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