ਤੁਹਾਡੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ

Updated on August 31, 2025 , 2374 views

ਆਮ ਤੌਰ 'ਤੇ, ਜਦੋਂ ਕੋਈ ਚਾਹੁੰਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰੋ, ਉਹ ਉਲਝਣ ਵਿੱਚ ਹਨ ਜੇ ਉਹਨਾਂ ਨੂੰ ਇੱਕ ਲੈਣਾ ਚਾਹੀਦਾ ਹੈਐਸ.ਆਈ.ਪੀ. ਰਸਤਾ ਜਾਂ ਇਕਮੁਸ਼ਤ ਰਕਮ. ਆਓ ਤੁਹਾਡੇ ਲਈ ਇਹ ਸਧਾਰਣ ਬਣਾਉਂਦੇ ਹਾਂ! ਨਿਵੇਸ਼ਕ ਜੋ ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨ, ਉਨ੍ਹਾਂ ਨੂੰ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਇਕ ਸਮੇਂ ਦਾ ਭੁਗਤਾਨ ਵਿਧੀ ਚੁਣਨੀ ਚਾਹੀਦੀ ਹੈ, ਜੋ ਕਿ ਨਿਵੇਸ਼ ਦਾ ਇਕਮੁਸ਼ਤ ਰਕਮ ਹੈ. ਇਹ ਅਸਾਨ ਨਾਲ ਇੱਕ ਛੋਟੇ ਅਵਧੀ ਲਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਹਮੇਸ਼ਾਂ ਬੁੱਧੀਮਾਨ ਹੁੰਦਾ ਹੈਤਰਲਤਾ.

ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਲਈ ਇਕਮੁਸ਼ਤ ਰਕਮ ਕਿਉਂ?

ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ, ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਦੀ ਤੁਲਨਾ ਵਿਚ ਬਿਹਤਰ ਵਿਕਲਪ ਹਨਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡ. ਇਕਮੁਸ਼ਤ ਰਸਤਾ ਵਿਆਜ ਦਰ ਵਿਚ ਤਬਦੀਲੀ ਦੇ ਜੋਖਮ ਨੂੰ ਘਟਾਉਂਦਾ ਹੈ ਅਤੇ ਨਾਲ ਹੀ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (ਐੱਫ ਡੀ) ਦੀ ਤੁਲਨਾ ਵਿਚ ਵਧੀਆ ਵਾਪਸੀ ਦਿੰਦਾ ਹੈ. ਆਦਰਸ਼ਕ ਤੌਰ ਤੇ, ਜਦੋਂ ਤੁਸੀਂ ਇੱਕਮੁਸ਼ਤ ਰਸਤਾ ਲੈਂਦੇ ਹੋਏ ਕਰਜ਼ੇ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ, ਤਾਂ ਇਹ ਦੋ ਮੁੱਦਿਆਂ ਨੂੰ ਹੱਲ ਕਰਦਾ ਹੈ - ਇੱਕ ਟੈਕਸ ਲਾਭ ਅਤੇ ਦੂਜਾ ਮੁੜ ਨਿਵੇਸ਼ ਦਾ ਜੋਖਮ.

ਵੱਧ ਰਹੀਆਂ ਵਿਆਜ ਦਰਾਂ ਦੌਰਾਨ, ਉੱਚ ਗੁਣਵੱਤਾ ਦੇ ਪੋਰਟਫੋਲੀਓ ਦੇ ਨਾਲ ਕਰਜ਼ੇ ਦੇ ਅਧਾਰਤ ਫੰਡਾਂ ਵਿਚ ਇਕਮੁਸ਼ਤ ਰਸਤਾ ਅਪਣਾਉਣਾ ਚੰਗਾ ਸਮਾਂ ਹੈਬਾਂਡ. ਇਹ ਫੰਡ ਆਮ ਤੌਰ 'ਤੇ ਉਨ੍ਹਾਂ ਲੋਕਾਂ ਲਈ areੁਕਵੇਂ ਹੁੰਦੇ ਹਨ ਜਿਨ੍ਹਾਂ ਕੋਲ ਵਿਹਲੀ ਬਚਤ ਹੁੰਦੀ ਹੈ ਅਤੇ ਅਨੁਕੂਲ ਰਿਟਰਨਾਂ ਲਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ. ਇਕਮੁਸ਼ਤ ਅਦਾਇਗੀ ਦੀ ਕਿਸੇ ਵੀ ਗਿਣਤੀ ਵਿਚ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡ.

ਯੋਜਨਾਬੱਧ ਦੇ ਮੁਕਾਬਲੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਵਧੀਆ ਕੰਮ ਕਰਦਾ ਹੈਨਿਵੇਸ਼ ਦੀ ਯੋਜਨਾ- ਸਿਰਫ ਤਾਂ ਹੀ ਜੇਕਰ ਮਾਰਕੀਟ ਦੀ ਗੜਬੜ ਦੌਰਾਨ ਜਾਂ ਘੱਟ ਮੁੱਲਾਂਕਣ ਤੇ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈ. ਹਾਲਾਂਕਿ, ਇਕਮੁਸ਼ਤ ਰਕਮਨਿਵੇਸ਼ ਬਾਜ਼ਾਰ ਦੀਆਂ ਮੁਲਾਂਕਣਾਂ ਨੂੰ ਵਧਾਉਣ ਵੇਲੇ ਜਾਂ ਜਦੋਂ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਦੇ ਸ਼ੁਰੂਆਤੀ ਪੜਾਅ ਵਿੱਚ ਮਾਰਕੀਟ ਤੇਜ਼ੀ ਨਾਲ ਸਹੀ ਹੋ ਜਾਂਦੀ ਹੈ ਤਾਂ ਕੋਈ ਕੰਮ ਨਹੀਂ ਕਰ ਸਕਦਾ.

ਡੈਬਟ ਫੰਡਾਂ ਵਿਚ ਕਿਵੇਂ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਵੇ: ਮੁਲਾਂਕਣ ਕਰੋ

ਫੰਡ ਰਿਟਰਨ- ਖਾਣੇ ਦਾ ਚੰਗਾ ਰਿਕਾਰਡ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ. ਇੱਕ ਫੰਡ ਹਾ houseਸ ਲਈ ਜਾਓ ਜਿਸਦਾ ਨਿਰੰਤਰ ਪ੍ਰਦਰਸ਼ਨ ਪੇਸ਼ ਕਰਨ ਦਾ ਇੱਕ ਮਜ਼ਬੂਤ ਇਤਿਹਾਸ ਹੈ. ਫੰਡ ਦੇ ਪਿਛਲੇ 1, 3 ਅਤੇ 5 ਸਾਲ ਦੇ ਰਿਟਰਨ ਦੀ ਜਾਂਚ ਕਰੋ ਅਤੇ ਜੇ ਇਹ ਇਸਦੇ ਬੈਂਚਮਾਰਕ ਨੂੰ ਹਰਾਉਣ ਦੇ ਯੋਗ ਹੈ ਜਾਂ ਨਹੀਂ.

ਮੈਚ ਦੇ ਸਮੇਂ ਦੀ ਦੂਰੀ- ਡੈਬਟ ਫੰਡ ਆਪਣੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਨਾਲ ਨਿਵੇਸ਼ ਦੀਆਂ ਵਿਭਿੰਨ ਵਿਕਲਪ ਪੇਸ਼ ਕਰਦੇ ਹਨ. ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਆਪਣੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਅਧਾਰ ਤੇ ਨਿਵੇਸ਼ ਦਾ ਫੈਸਲਾ ਕਰਨ ਦੀ ਜ਼ਰੂਰਤ ਹੁੰਦੀ ਹੈ, ਜਦੋਂ ਕਿ ਉਹ ਦੂਜੇ ਨਾਲ ਤੁਲਨਾ ਵੀ ਕਰ ਸਕਦੇ ਹਨਡੈਬਟ ਫੰਡ ਸਾਧਨ ਅਤੇ ਇਕ ਦੀ ਚੋਣ ਕਰੋ ਜੋ ਉਨ੍ਹਾਂ ਦੀ ਯੋਜਨਾ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਹੋਵੇ. ਉਦਾਹਰਣ ਦੇ ਲਈ, ਜੇ ਤੁਸੀਂ ਇਕ ਸਾਲ ਦੀ ਨਿਵੇਸ਼ ਯੋਜਨਾ ਦੇ ਸਮੇਂ ਅਨੁਸਾਰ ਵੇਖ ਰਹੇ ਹੋ, ਤਾਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਕਰਜ਼ਾ ਫੰਡ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਅਨੁਕੂਲ ਹੋ ਸਕਦਾ ਹੈ.

ਖਰਚਾ ਅਨੁਪਾਤ- ਡੈਬਟ ਫੰਡਾਂ ਵਿੱਚ ਵਿਚਾਰੇ ਜਾਣ ਵਾਲੇ ਇੱਕ ਮਹੱਤਵਪੂਰਣ ਕਾਰਕ ਦਾ ਇਸਦਾ ਖਰਚਾ ਅਨੁਪਾਤ ਹੈ. ਖਰਚਿਆਂ ਦਾ ਉੱਚਾ ਅਨੁਪਾਤ ਫੰਡਾਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਤੇ ਵੱਡਾ ਪ੍ਰਭਾਵ ਪੈਦਾ ਕਰਦਾ ਹੈ. ਉਦਾਹਰਣ ਲਈ,ਤਰਲ ਫੰਡ ਸਭ ਤੋਂ ਘੱਟ ਖਰਚਾ ਅਨੁਪਾਤ ਹਨ ਜੋ 50 ਬੀ ਪੀਐਸ ਤੱਕ ਹੁੰਦੇ ਹਨ (ਬੀ ਪੀ ਐਸ ਇਕ ਵਿਆਜ ਦਰਾਂ ਨੂੰ ਮਾਪਣ ਲਈ ਇਕਾਈ ਹੈ ਜਿਸ ਵਿਚ ਇਕ ਬੀ ਪੀਐਸ 1% ਦੇ 1/100 ਵੇਂ ਦੇ ਬਰਾਬਰ ਹੈ) ਜਦੋਂ ਕਿ, ਹੋਰ ਰਿਣ ਫੰਡ 150 ਬੀ ਪੀਐਸ ਤੱਕ ਲੈ ਸਕਦੇ ਹਨ. ਇਸ ਲਈ ਇੱਕ ਡੈਬਟ ਮਿ mutualਚੁਅਲ ਫੰਡ ਦੇ ਵਿਚਕਾਰ ਚੋਣ ਕਰਨ ਲਈ, ਪ੍ਰਬੰਧਨ ਫੀਸ ਜਾਂ ਫੰਡ ਦੇ ਚੱਲ ਰਹੇ ਖਰਚਿਆਂ 'ਤੇ ਵਿਚਾਰ ਕਰਨਾ ਮਹੱਤਵਪੂਰਨ ਹੈ.

ਚੋਟੀ ਦੇ 10 ਸਰਬੋਤਮ ਇਕਮੁਸ਼ਤ ਕਰਜ਼ਾ ਮਿutਚਲ ਫੰਡ 2020 - 2021

ਹੇਠਾਂ ਚੋਟੀ ਦੇ ਦਰਜੇ ਵਾਲੇ ਫੰਡ ਹਨਕਰਜ਼ਾ ਵਰਗ ਮੁੱਖ ਤੌਰ 'ਤੇ ਹੋਣ ਵਾਲੇ ਫੰਡਏਯੂਐਮ> 2000 ਕਰੋੜ ਅਤੇ ਅਲਟਰਾ-ਸ਼ਾਰਟ, ਕਾਰਪੋਰੇਟ ਬਾਂਡ, ਕ੍ਰੈਡਿਟ ਜੋਖਮ, ਘੱਟ ਅਵਧੀ ਦੀਆਂ ਸਬ ਸ਼੍ਰੇਣੀਆਂ ਵਿੱਚ ਹਨ.

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	₹554.986 ↑ 0.08	₹20,795	1,000	1.7	4.1	7.9	7.4	7.9	6.6%	5M 26D	7M 2D
HDFC Corporate Bond Fund Growth	₹32.7455 ↓ 0.00	₹35,968	5,000	0.1	4.1	7.8	7.5	8.6	6.88%	4Y 2M 12D	6Y 9M 11D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹113.464 ↑ 0.01	₹28,598	1,000	0	3.9	7.7	7.5	8.5	6.9%	4Y 6M 11D	6Y 10M 17D
Nippon India Prime Debt Fund Growth	₹60.4991 ↑ 0.01	₹10,013	1,000	0.4	4.6	8.4	7.7	8.4	6.81%	3Y 6M 7D	4Y 7M 20D
Kotak Corporate Bond Fund Standard Growth	₹3,806.8 ↑ 0.58	₹17,811	5,000	0.5	4.5	8.2	7.5	8.3	6.83%	3Y 3M 4D	4Y 11M 16D
ICICI Prudential Corporate Bond Fund Growth	₹30.1107 ↓ -0.01	₹33,574	5,000	0.9	4.4	8.1	7.7	8	6.78%	2Y 5M 26D	4Y 6M 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Sep 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	HDFC Corporate Bond Fund	Aditya Birla Sun Life Corporate Bond Fund	Nippon India Prime Debt Fund	Kotak Corporate Bond Fund Standard	ICICI Prudential Corporate Bond Fund
Point 1	Lower mid AUM (₹20,795 Cr).	Highest AUM (₹35,968 Cr).	Upper mid AUM (₹28,598 Cr).	Bottom quartile AUM (₹10,013 Cr).	Bottom quartile AUM (₹17,811 Cr).	Upper mid AUM (₹33,574 Cr).
Point 2	Established history (22+ yrs).	Established history (15+ yrs).	Oldest track record among peers (28 yrs).	Established history (24+ yrs).	Established history (17+ yrs).	Established history (16+ 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: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.93% (lower mid).	1Y return: 7.81% (bottom quartile).	1Y return: 7.72% (bottom quartile).	1Y return: 8.38% (top quartile).	1Y return: 8.23% (upper mid).	1Y return: 8.11% (upper mid).
Point 6	1M return: 0.46% (top quartile).	1M return: -0.39% (bottom quartile).	1M return: -0.46% (bottom quartile).	1M return: -0.28% (lower mid).	1M return: -0.17% (upper mid).	1M return: -0.05% (upper mid).
Point 7	Sharpe: 3.76 (top quartile).	Sharpe: 1.46 (bottom quartile).	Sharpe: 1.54 (bottom quartile).	Sharpe: 1.79 (lower mid).	Sharpe: 1.80 (upper mid).	Sharpe: 2.12 (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): 6.60% (bottom quartile).	Yield to maturity (debt): 6.88% (upper mid).	Yield to maturity (debt): 6.90% (top quartile).	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.83% (upper mid).	Yield to maturity (debt): 6.78% (bottom quartile).
Point 10	Modified duration: 0.49 yrs (top quartile).	Modified duration: 4.20 yrs (bottom quartile).	Modified duration: 4.53 yrs (bottom quartile).	Modified duration: 3.52 yrs (lower mid).	Modified duration: 3.26 yrs (upper mid).	Modified duration: 2.49 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹20,795 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.93% (lower mid).
1M return: 0.46% (top quartile).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).

HDFC Corporate Bond Fund

Highest AUM (₹35,968 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.81% (bottom quartile).
1M return: -0.39% (bottom quartile).
Sharpe: 1.46 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 4.20 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,598 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.72% (bottom quartile).
1M return: -0.46% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.90% (top quartile).
Modified duration: 4.53 yrs (bottom quartile).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,013 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.38% (top quartile).
1M return: -0.28% (lower mid).
Sharpe: 1.79 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 3.52 yrs (lower mid).

Kotak Corporate Bond Fund Standard

Bottom quartile AUM (₹17,811 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.23% (upper mid).
1M return: -0.17% (upper mid).
Sharpe: 1.80 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (upper mid).
Modified duration: 3.26 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.11% (upper mid).
1M return: -0.05% (upper mid).
Sharpe: 2.12 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 2.49 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 (₹20,795 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.93% (lower mid).
1M return: 0.46% (top quartile).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 0.49 yrs (top quartile).
Average maturity: 0.59 yrs (top quartile).
Exit load: NIL.

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 Sep 25)	₹554.986 ↑ 0.08 (0.01 %)
Net Assets (Cr)	₹20,795 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.76
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.6%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
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

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 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	4.1%
1 Year	7.9%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.21 Yr.
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Monika Gandhi	22 Mar 21	4.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.54%
Debt	56.21%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	63.99%
Cash Equivalent	23.22%
Government	12.53%

Credit Quality

Rating	Value
AA	30.21%
AAA	69.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹488 Cr	48,500
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹415 Cr	42,000,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹378 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹361 Cr	3,600
Mankind Pharma Limited Debentures \| -	2%	₹349 Cr	34,500
Bharti Telecom Limited Debentures \| -	1%	₹321 Cr	3,200
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹316 Cr	3,150
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

2. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

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

Research Highlights for HDFC Corporate Bond Fund

Highest AUM (₹35,968 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.81% (bottom quartile).
1M return: -0.39% (bottom quartile).
Sharpe: 1.46 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 4.20 yrs (bottom quartile).
Average maturity: 6.78 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (02 Sep 25)	₹32.7455 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹35,968 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.46
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.88%
Effective Maturity	6 Years 9 Months 11 Days
Modified Duration	4 Years 2 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,628
31 Aug 22	₹10,922
31 Aug 23	₹11,662
31 Aug 24	₹12,591
31 Aug 25	₹13,577

HDFC 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 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 Sep 25

Duration	Returns
1 Month	-0.4%
3 Month	0.1%
6 Month	4.1%
1 Year	7.8%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Corporate Bond Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.85 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.09%
Debt	96.64%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	58.29%
Government	38.35%
Cash Equivalent	3.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹2,376 Cr	235,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,126 Cr	112,500
7.81% Govt Stock 2033 Sovereign Bonds \| -	3%	₹925 Cr	89,000,000
6.68% Government Of India Sovereign Bonds \| -	3%	₹906 Cr	91,500,000 ↑ 14,000,000
State Bank Of India Debentures \| -	2%	₹805 Cr	800
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹509 Cr	5,000
Small Industries Development Bank Of India Debentures \| -	1%	₹509 Cr	50,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	1%	₹485 Cr	47,500,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹472 Cr	4,500

3. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

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

Research Highlights for Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,598 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.72% (bottom quartile).
1M return: -0.46% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.90% (top quartile).
Modified duration: 4.53 yrs (bottom quartile).
Average maturity: 6.88 yrs (bottom quartile).
Exit load: NIL.

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 Sep 25)	₹113.464 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹28,598 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	1.54
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.9%
Effective Maturity	6 Years 10 Months 17 Days
Modified Duration	4 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,645
31 Aug 22	₹10,986
31 Aug 23	₹11,743
31 Aug 24	₹12,688
31 Aug 25	₹13,667

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 Sep 25

Duration	Returns
1 Month	-0.5%
3 Month	0%
6 Month	3.9%
1 Year	7.7%
3 Year	7.5%
5 Year	6.4%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.39 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.24%
Debt	96.48%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	57.46%
Government	39.02%
Cash Equivalent	3.24%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	10%	₹2,718 Cr	268,736,200 ↑ 2,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,190 Cr	214,500,000 ↑ 11,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,156 Cr	113,500 ↓ -15,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹841 Cr	81,161,700
Small Industries Development Bank Of India Debentures \| -	3%	₹750 Cr	74,550
Small Industries Development Bank Of India Debentures \| -	2%	₹603 Cr	6,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹594 Cr	59,000
Rec Limited Debentures \| -	2%	₹585 Cr	60,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹574 Cr	56,500,000 ↑ 6,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹563 Cr	55,000

4. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

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

Research Highlights for Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,013 Cr).
Established history (24+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.38% (top quartile).
1M return: -0.28% (lower mid).
Sharpe: 1.79 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 3.52 yrs (lower mid).
Average maturity: 4.64 yrs (upper mid).
Exit load: NIL.

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (02 Sep 25)	₹60.4991 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹10,013 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1.79
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	4 Years 7 Months 20 Days
Modified Duration	3 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,669
31 Aug 22	₹11,045
31 Aug 23	₹11,818
31 Aug 24	₹12,745
31 Aug 25	₹13,815

Nippon India Prime Debt 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 Nippon India Prime Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.3%
3 Month	0.4%
6 Month	4.6%
1 Year	8.4%
3 Year	7.7%
5 Year	6.6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	7.1%
2022	4.3%
2021	4.7%
2020	9.5%
2019	7.8%
2018	6.9%
2017	6.6%
2016	9.1%
2015	8.7%

Fund Manager information for Nippon India Prime Debt Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.59 Yr.
Kinjal Desai	25 May 18	7.28 Yr.

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

Asset Allocation

Asset Class	Value
Cash	7.81%
Debt	91.94%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	54.57%
Government	38.07%
Cash Equivalent	7.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹459 Cr	45,000,000 ↑ 12,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	4%	₹413 Cr	40,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹354 Cr	35,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹311 Cr	30,000,000 ↑ 7,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹224 Cr	22,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹211 Cr	20,500
Small Industries Development Bank Of India Debentures \| -	2%	₹204 Cr	20,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
Andhra Pradesh (Government of) 6.77% - \| -	2%	₹200 Cr	20,000,000 ↑ 20,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹183 Cr	18,000

5. Kotak Corporate Bond Fund Standard

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no assurance that the objective of the scheme will be realized.

Research Highlights for Kotak Corporate Bond Fund Standard

Bottom quartile AUM (₹17,811 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.23% (upper mid).
1M return: -0.17% (upper mid).
Sharpe: 1.80 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (upper mid).
Modified duration: 3.26 yrs (upper mid).
Average maturity: 4.96 yrs (lower mid).
Exit load: NIL.

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard Growth
Launch Date	21 Sep 07
NAV (02 Sep 25)	₹3,806.8 ↑ 0.58 (0.02 %)
Net Assets (Cr)	₹17,811 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	1.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	4 Years 11 Months 16 Days
Modified Duration	3 Years 3 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,559
31 Aug 22	₹10,870
31 Aug 23	₹11,576
31 Aug 24	₹12,477
31 Aug 25	₹13,503

Kotak Corporate Bond Fund Standard 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 Kotak Corporate Bond Fund Standard

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	-0.2%
3 Month	0.5%
6 Month	4.5%
1 Year	8.2%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	6.9%
2022	3.7%
2021	3.8%
2020	9.7%
2019	9.6%
2018	7.5%
2017	6.9%
2016	9.4%
2015	8.8%

Fund Manager information for Kotak Corporate Bond Fund Standard

Name	Since	Tenure
Deepak Agrawal	1 Feb 15	10.59 Yr.
Manu Sharma	1 Nov 22	2.84 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	2.36%
Debt	97.37%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.73%
Government	32.78%
Cash Equivalent	2.22%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	9%	₹1,589 Cr	152,935,080 ↑ 5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹619 Cr	61,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹500 Cr	49,000,000
Bajaj Finance Limited Debentures \| -	2%	₹442 Cr	43,500
7.09% Govt Stock 2054 Sovereign Bonds \| -	2%	₹397 Cr	40,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹356 Cr	35,000
Power Finance Corporation Limited Debentures \| -	2%	₹354 Cr	35,000
Power Finance Corporation Limited Debentures \| -	2%	₹330 Cr	32,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹319 Cr	3,200
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹316 Cr	31,000

6. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

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

Research Highlights for ICICI Prudential Corporate Bond Fund

Upper mid AUM (₹33,574 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.11% (upper mid).
1M return: -0.05% (upper mid).
Sharpe: 2.12 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 2.49 yrs (upper mid).
Average maturity: 4.58 yrs (upper mid).
Exit load: NIL.

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund Growth
Launch Date	11 Aug 09
NAV (02 Sep 25)	₹30.1107 ↓ -0.01 (-0.05 %)
Net Assets (Cr)	₹33,574 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	2.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	4 Years 6 Months 29 Days
Modified Duration	2 Years 5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,588
31 Aug 22	₹10,970
31 Aug 23	₹11,791
31 Aug 24	₹12,695
31 Aug 25	₹13,731

ICICI Prudential 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 ICICI Prudential Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Sep 25

Duration	Returns
1 Month	0%
3 Month	0.9%
6 Month	4.4%
1 Year	8.1%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7.6%
2022	4.5%
2021	4.1%
2020	10.4%
2019	9.9%
2018	6.4%
2017	6.3%
2016	9.8%
2015	8.8%

Fund Manager information for ICICI Prudential Corporate Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.61 Yr.
Ritesh Lunawat	22 Jan 24	1.61 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	7.09%
Debt	92.64%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	63.06%
Government	31.52%
Cash Equivalent	5.15%

Credit Quality

Rating	Value
AAA	99.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	6%	₹1,925 Cr	185,277,360
LIC Housing Finance Ltd Debentures \| -	4%	₹1,459 Cr	143,500 ↑ 5,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹973 Cr	95,277,410 ↑ 74,519,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹866 Cr	83,594,780
Pipeline Infrastructure Limited Debentures \| -	2%	₹835 Cr	80,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹795 Cr	78,750 ↓ -31,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹650 Cr	64,000 ↑ 24,000
Bharat Petroleum Corporation Limited Debentures \| -	2%	₹594 Cr	59,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹593 Cr	58,412,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹565 Cr	55,550 ↓ -32,500

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ਇੱਥੇ ਪ੍ਰਦਾਨ ਕੀਤੀ ਜਾਣਕਾਰੀ ਨੂੰ ਸਹੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ. ਹਾਲਾਂਕਿ, ਅੰਕੜਿਆਂ ਦੀ ਸ਼ੁੱਧਤਾ ਦੇ ਸੰਬੰਧ ਵਿੱਚ ਕੋਈ ਗਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਜਾਂਦੀ. ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਯੋਜਨਾ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਜਾਂਚ ਕਰੋ.