முதல் 5 சிறந்த நீண்ட கால பத்திர நிதிகள் 2022

Updated on September 21, 2025 , 13479 views

சிறந்த நீண்ட கால பத்திர நிதிகளைத் தேடுகிறீர்களா? இவை நடுத்தர மற்றும் நீண்ட காலத்திற்கு எதிர்பார்க்கும் முதலீட்டாளர்களுக்கான நிதிகள்முதலீட்டுத் திட்டம், பொதுவாக 3-5 ஆண்டுகள். நீண்ட கால பத்திர நிதிகள் முக்கியமாக G-secs மற்றும் கார்ப்பரேட்களில் முதலீடு செய்கின்றனபத்திரங்கள் அவை நடுத்தர முதல் நீண்ட முதிர்வு காலத்தைக் கொண்டுள்ளன.

இந்த நிதிகள் வட்டி விகித மாற்றங்களுக்கு உணர்திறன் கொண்டவை மற்றும் பிற கடன் வகைகளுடன் ஒப்பிடும்போது அதிக நிலையற்றதாக இருக்கும்.

நீண்ட கால பத்திரங்களில் வட்டி விகிதங்கள் மற்றும் விலை

கடன் பத்திரங்களின் வட்டி விகிதங்கள் மற்றும் விலைகள் ஒரு தலைகீழ் உறவைக் கொண்டுள்ளன, அதாவது அவை எதிர் திசைகளில் நகர்கின்றன. எடுத்துக்காட்டாக, பாண்ட் ஃபண்டுகளுக்கு வட்டி விகிதம் குறைவது நல்லது. வட்டி விகிதம் குறையும் போது, பத்திரங்களின் விலைகள் உயரும் மற்றும் இது ஊக்கமளிக்கிறதுNAVகள் இன்கடன் நிதி திட்டங்கள்.

வட்டி விகிதங்கள் குறைவதால், நீண்ட கால பத்திரங்களின் விலை உயர்வதால், முதலீடு செய்வது நல்லது.நீண்ட கால கடன் நிதிகள் வட்டி விகிதங்கள் குறையும் என்று எதிர்பார்க்கப்படும் போது. நீண்ட காலத்திற்கு (அதாவது, 3 ஆண்டுகள் மற்றும் அதற்கு மேல்) முதலீடு செய்ய விரும்பும் முதலீட்டாளர்கள், மேலும் சில அளவிலான ரிஸ்க் எடுக்கக்கூடியவர்கள், இந்தத் திட்டத்தில் முதலீடு செய்ய வேண்டும்.

மேலும், ஏற்ற இறக்கமான வட்டி விகிதங்களில் வசதியாக இருக்கும் முதலீட்டாளர்கள்சந்தை இந்த முதலீடுகளை தொடரலாம். 2022க்கான முதல் 10 சிறந்த நீண்ட கால பத்திர நிதிகள் இங்கே உள்ளன.

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முதல் 5 சிறந்த நீண்ட கால பத்திர நிதிகள் 2022

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Long Term Bond Fund Growth	₹89.7532 ↑ 0.05	₹1,129	5,000	1,000	-0.4	1.9	5.8	7.7	10.1	7.43%	9Y 7M 2D	26Y 3M 18D
Bandhan Bond Fund Long Term Plan Growth	₹64.7909 ↑ 0.04	₹483	5,000	1,000	0.5	1.7	4.2	6.4	7.9	6.93%	6Y 8M 19D	10Y 6M 11D
Kotak Bond Fund Growth	₹76.8829 ↓ 0.00	₹2,061	5,000	1,000	0	2.4	5.4	7	8.2	6.96%	6Y 8M 5D	13Y 3M 18D
Aditya Birla Sun Life Income Fund Growth	₹125.658 ↑ 0.06	₹2,025	1,000	1,000	0.2	2.3	5.5	7.1	8.4	7.37%	6Y 7M 13D	14Y 22D
HDFC Income Fund Growth	₹58.3836 ↑ 0.05	₹941	5,000	300	0.2	2.6	5.8	7.2	9	6.9%	6Y 6M 4D	12Y 2M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Long Term Bond Fund	Bandhan Bond Fund Long Term Plan	Kotak Bond Fund	Aditya Birla Sun Life Income Fund	HDFC Income Fund
Point 1	Lower mid AUM (₹1,129 Cr).	Bottom quartile AUM (₹483 Cr).	Highest AUM (₹2,061 Cr).	Upper mid AUM (₹2,025 Cr).	Bottom quartile AUM (₹941 Cr).
Point 2	Established history (27+ yrs).	Established history (25+ yrs).	Established history (25+ yrs).	Oldest track record among peers (29 yrs).	Established history (25+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 5.81% (upper mid).	1Y return: 4.21% (bottom quartile).	1Y return: 5.39% (bottom quartile).	1Y return: 5.53% (lower mid).	1Y return: 5.84% (top quartile).
Point 6	1M return: 0.76% (lower mid).	1M return: 0.99% (top quartile).	1M return: 0.63% (bottom quartile).	1M return: 0.53% (bottom quartile).	1M return: 0.84% (upper mid).
Point 7	Sharpe: -0.16 (top quartile).	Sharpe: -0.84 (bottom quartile).	Sharpe: -0.34 (bottom quartile).	Sharpe: -0.22 (upper mid).	Sharpe: -0.22 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.43% (top quartile).	Yield to maturity (debt): 6.93% (bottom quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 7.37% (upper mid).	Yield to maturity (debt): 6.90% (bottom quartile).
Point 10	Modified duration: 9.59 yrs (bottom quartile).	Modified duration: 6.72 yrs (bottom quartile).	Modified duration: 6.68 yrs (lower mid).	Modified duration: 6.62 yrs (upper mid).	Modified duration: 6.51 yrs (top quartile).

ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,129 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.81% (upper mid).
1M return: 0.76% (lower mid).
Sharpe: -0.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (top quartile).
Modified duration: 9.59 yrs (bottom quartile).

Bandhan Bond Fund Long Term Plan

Bottom quartile AUM (₹483 Cr).
Established history (25+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 4.21% (bottom quartile).
1M return: 0.99% (top quartile).
Sharpe: -0.84 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 6.72 yrs (bottom quartile).

Kotak Bond Fund

Highest AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.39% (bottom quartile).
1M return: 0.63% (bottom quartile).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (lower mid).

Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (29 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.53% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: -0.22 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 6.62 yrs (upper mid).

HDFC Income Fund

Bottom quartile AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.84% (top quartile).
1M return: 0.84% (upper mid).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (top quartile).

1. ICICI Prudential Long Term Bond Fund

(Erstwhile ICICI Prudential Income Plan)

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

Research Highlights for ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,129 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.81% (upper mid).
1M return: 0.76% (lower mid).
Sharpe: -0.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (top quartile).
Modified duration: 9.59 yrs (bottom quartile).
Average maturity: 26.30 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Government.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~33.5%).
Top-3 holdings concentration ~49.4%.

Below is the key information for ICICI Prudential Long Term Bond Fund

ICICI Prudential Long Term Bond Fund Growth
Launch Date	9 Jul 98
NAV (23 Sep 25)	₹89.7532 ↑ 0.05 (0.05 %)
Net Assets (Cr)	₹1,129 on 15 Sep 25
Category	Debt - Longterm Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.95
Sharpe Ratio	-0.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	26 Years 3 Months 18 Days
Modified Duration	9 Years 7 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,316
31 Aug 22	₹10,428
31 Aug 23	₹11,078
31 Aug 24	₹12,062
31 Aug 25	₹12,744

ICICI Prudential Long Term 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 ICICI Prudential Long Term 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 23 Sep 25

Duration	Returns
1 Month	0.8%
3 Month	-0.4%
6 Month	1.9%
1 Year	5.8%
3 Year	7.7%
5 Year	5.1%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.1%
2023	6.8%
2022	1.3%
2021	0.4%
2020	11%
2019	12.1%
2018	6.8%
2017	4.1%
2016	15.7%
2015	5.1%

Fund Manager information for ICICI Prudential Long Term Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.61 Yr.
Raunak Surana	22 Jan 24	1.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.62%
Debt	95.1%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	80.59%
Corporate	14.51%
Cash Equivalent	4.62%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	33%	₹383 Cr	37,701,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	8%	₹96 Cr	10,000,000
Government Securities Sovereign Bonds \| -	8%	₹86 Cr	8,538,300 ↑ 8,538,300
Maharashtra (Government of) - \| -	6%	₹74 Cr	7,500,000
The Great Eastern Shipping Company Limited Debentures \| -	5%	₹54 Cr	536
LIC Housing Finance Ltd Debentures \| -	4%	₹51 Cr	500
Maharashtra (Government of) - \| -	4%	₹50 Cr	5,000,000
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹50 Cr	4,960,700
Maharashtra (Government of) - \| -	4%	₹49 Cr	5,000,000
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	3%	₹40 Cr	4,000,000

2. Bandhan Bond Fund Long Term Plan

(Erstwhile IDFC Super Saver Income Fund - Investment Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Bond Fund Long Term Plan

Bottom quartile AUM (₹483 Cr).
Established history (25+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 4.21% (bottom quartile).
1M return: 0.99% (top quartile).
Sharpe: -0.84 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 6.72 yrs (bottom quartile).
Average maturity: 10.53 yrs (top quartile).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Higher exposure to Financial Services vs peer median.
Top bond sector: Government.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~36.2%).
Top-3 holdings concentration ~75.4%.

Below is the key information for Bandhan Bond Fund Long Term Plan

Bandhan Bond Fund Long Term Plan Growth
Launch Date	14 Jul 00
NAV (23 Sep 25)	₹64.7909 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹483 on 31 Aug 25
Category	Debt - Longterm Bond
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.98
Sharpe Ratio	-0.84
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	6.93%
Effective Maturity	10 Years 6 Months 11 Days
Modified Duration	6 Years 8 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,484
31 Aug 22	₹10,533
31 Aug 23	₹11,073
31 Aug 24	₹11,927
31 Aug 25	₹12,363

Bandhan Bond Fund Long Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Bandhan Bond Fund Long Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Sep 25

Duration	Returns
1 Month	1%
3 Month	0.5%
6 Month	1.7%
1 Year	4.2%
3 Year	6.4%
5 Year	4.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6%
2022	0.6%
2021	1.2%
2020	11.8%
2019	10.4%
2018	6.6%
2017	3.1%
2016	12.9%
2015	5.9%

Fund Manager information for Bandhan Bond Fund Long Term Plan

Name	Since	Tenure
Suyash Choudhary	15 Oct 10	14.89 Yr.
Brijesh Shah	10 Jun 24	1.23 Yr.

Data below for Bandhan Bond Fund Long Term Plan as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	4.72%
Debt	94.99%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	80.65%
Corporate	14.34%
Cash Equivalent	4.72%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	36%	₹177 Cr	17,000,000 ↓ -1,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	30%	₹149 Cr	14,700,000
Tata Capital Limited Debentures \| -	9%	₹43 Cr	4,200,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹31 Cr	3,000,000 ↑ 500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹25 Cr	2,500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	4%	₹21 Cr	2,000,000 ↑ 1,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹10 Cr	1,000,000 ↓ -500,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	1%	₹5 Cr	500,000
Rec Limited Debentures \| -	0%	₹2 Cr	200,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹1 Cr	1,254

3. 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

Highest AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.39% (bottom quartile).
1M return: 0.63% (bottom quartile).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (lower mid).
Average maturity: 13.30 yrs (lower mid).
Exit load: 0-3 Months (0.2%),3 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Government.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.33% Goi 2035 (~12.5%).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (23 Sep 25)	₹76.8829 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹2,061 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-0.34
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	6.96%
Effective Maturity	13 Years 3 Months 18 Days
Modified Duration	6 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,604
31 Aug 22	₹10,750
31 Aug 23	₹11,405
31 Aug 24	₹12,337
31 Aug 25	₹12,993

Kotak 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 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 23 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	0%
6 Month	2.4%
1 Year	5.4%
3 Year	7%
5 Year	5.4%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	6.8%
2022	1.7%
2021	2.4%
2020	12.3%
2019	10.3%
2018	5.2%
2017	0.9%
2016	14.3%
2015	4.6%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	17.39 Yr.

Data below for Kotak Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	4.3%
Equity	0.35%
Debt	95.07%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	73.3%
Corporate	21.77%
Cash Equivalent	4.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.33% Goi 2035 Sovereign Bonds \| -	12%	₹260 Cr	26,105,260 ↑ 26,105,260
6.28% Goi 2032 (14-Jul-2032) Sovereign Bonds \| -	10%	₹199 Cr	20,000,000 ↑ 20,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	9%	₹187 Cr	19,500,010 ↑ 1,000,000
National Housing Bank Debentures \| -	8%	₹174 Cr	17,500
6.79% Govt Stock 2031 Sovereign Bonds \| -	8%	₹158 Cr	15,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹155 Cr	15,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	5%	₹112 Cr	11,250,000 ↓ -1,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	5%	₹110 Cr	10,929,820
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹110 Cr	10,799,600 ↓ -1,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹52 Cr	510,900

4. 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 (₹2,025 Cr).
Oldest track record among peers (29 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.53% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: -0.22 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 6.62 yrs (upper mid).
Average maturity: 14.06 yrs (bottom quartile).
Exit load: NIL.
Top sector: Utility.
Top bond sector: Government.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~16.8%).

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 (23 Sep 25)	₹125.658 ↑ 0.06 (0.05 %)
Net Assets (Cr)	₹2,025 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	14 Years 22 Days
Modified Duration	6 Years 7 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,635
31 Aug 22	₹10,875
31 Aug 23	₹11,561
31 Aug 24	₹12,455
31 Aug 25	₹13,163

Aditya Birla Sun Life Income 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 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 23 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	0.2%
6 Month	2.3%
1 Year	5.5%
3 Year	7.1%
5 Year	5.7%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	6.6%
2022	2.4%
2021	4%
2020	12.8%
2019	9.5%
2018	5.1%
2017	2.8%
2016	14.4%
2015	4.6%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	5.07 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.81%
Debt	94.88%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	61.39%
Corporate	33.96%
Cash Equivalent	4.33%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	17%	₹339 Cr	33,409,900 ↓ -5,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	6%	₹124 Cr	12,406,100
Power Grid Corporation Of India Limited Debentures \| -	5%	₹100 Cr	10,000
Housing And Urban Development Corporation Limited Debentures \| -	4%	₹75 Cr	7,500
Tata Capital Housing Finance Limited Debentures \| -	4%	₹75 Cr	7,500
Housing And Urban Development Corporation Limited Debentures \| -	4%	₹75 Cr	7,500
Maharashtra (Government of) - \| -	3%	₹65 Cr	6,500,000
Maharashtra (Government of) - \| -	3%	₹57 Cr	5,729,200
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹51 Cr	5,000
Bajaj Finance Limited Debentures \| -	3%	₹51 Cr	5,000

5. HDFC Income Fund

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

Research Highlights for HDFC Income Fund

Bottom quartile AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.84% (top quartile).
1M return: 0.84% (upper mid).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (top quartile).
Average maturity: 12.21 yrs (upper mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Government.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2037 (~18.4%).
Top-3 holdings concentration ~40.1%.

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (23 Sep 25)	₹58.3836 ↑ 0.05 (0.08 %)
Net Assets (Cr)	₹941 on 15 Sep 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.22
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	6.9%
Effective Maturity	12 Years 2 Months 16 Days
Modified Duration	6 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,468
31 Aug 22	₹10,518
31 Aug 23	₹11,107
31 Aug 24	₹12,046
31 Aug 25	₹12,725

HDFC Income 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 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 23 Sep 25

Duration	Returns
1 Month	0.8%
3 Month	0.2%
6 Month	2.6%
1 Year	5.8%
3 Year	7.2%
5 Year	5%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	0.9%
2021	2.1%
2020	9.3%
2019	8.7%
2018	3.6%
2017	1.3%
2016	14.5%
2015	5.3%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	17.99 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Income Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	6.82%
Equity	0.43%
Debt	92.48%
Other	0.27%

Debt Sector Allocation

Sector	Value
Government	77.62%
Corporate	14.86%
Cash Equivalent	6.82%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	18%	₹174 Cr	16,790,000 ↓ -210,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹106 Cr	10,000,000
6.68% Government Of India Sovereign Bonds \| -	11%	₹99 Cr	10,030,000 ↑ 3,530,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	7%	₹67 Cr	6,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹41 Cr	4,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	3%	₹32 Cr	3,000,000 ↓ -2,000,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
6.63% Govt Stock 2031 Sovereign Bonds \| -	3%	₹26 Cr	2,500,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹26 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹25 Cr	250

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