5 சிறப்பாக செயல்படும் இடைநிலை கடன் நிதிகள் SIP முதலீடு 2022

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SIP இல் முதலீடு செய்ய சிறந்த 5 இடைநிலை அல்லது இடைக்கால கடன் நிதிகள்
ஆன்லைனில் கடன் நிதியில் முதலீடு செய்வது எப்படி?
Top 5 Debt - Medium term Bond Funds

SIP முதலீடு 2022க்கான சிறந்த இடைநிலைக் கடன் நிதிகள்

Updated on April 27, 2025 , 1655 views

இடைநிலைபத்திரங்கள் நடுத்தர கால நிதிகள் என்பது ஒரு வகை கடன்பரஸ்பர நிதி 3 ஆண்டுகள் அல்லது அதற்கு மேற்பட்ட கால எல்லையுடன் கடன் பத்திரங்களில் முதலீடு செய்ய வேண்டும். நடுத்தர கால நிதிகளின் சராசரி முதிர்வு காலம் திரவ, அதி-குறுகிய மற்றும் குறுகிய காலத்தை விட அதிகமாக உள்ளதுகடன் நிதி. சமீப காலங்களில், இந்தியாவில் தொடர்ச்சியான விகிதக் குறைப்புகளால் நடுத்தர நிதிகள் சிறந்த வருமானத்தை அளித்துள்ளன. இந்த நிதிகள் வட்டி விகிதங்களுக்கு குறைவான உணர்திறன் கொண்டவை, எனவே நீண்ட கால நிதிகளை விட குறைந்த நிலையற்றவைகில்ட் நிதிகள். சிறந்த முடிவுகளுக்கு, முதலீட்டாளர்கள் சிறந்த இடைநிலை கடன் நிதிகளில் முதலீடு செய்ய அறிவுறுத்தப்படுகிறார்கள்எஸ்ஐபி. முதலீட்டாளர்கள் கீழே உள்ள முன் பட்டியலிடப்பட்ட சிறந்த மதிப்பிடப்பட்ட இடைக்கால கடன் நிதிகளிலிருந்து சிறந்த செயல்திறன் கொண்ட திட்டத்தைத் தேர்வு செய்யலாம்.

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SIP இல் முதலீடு செய்ய சிறந்த 5 இடைநிலை அல்லது இடைக்கால கடன் நிதிகள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Medium Term Plan Growth	₹39.3688 ↑ 0.05	₹2,206	1,000	5.1	7.1	14.5	14.3	13.8	10.5
Axis Strategic Bond Fund Growth	₹27.7737 ↑ 0.04	₹1,899	1,000	3.2	5.2	10.1	7.7	7.5	8.7
Nippon India Strategic Debt Fund Growth	₹15.3742 ↑ 0.02	₹99	100	3.2	5.1	9.9	7	8.2	8.3
Kotak Dynamic Bond Fund Growth	₹37.6061 ↑ 0.12	₹2,826	1,000	3.8	5	11.5	7.5	7	9.3
Kotak Medium Term Fund Growth	₹22.4901 ↑ 0.03	₹1,766	1,000	2.9	4.3	9.9	7	7.5	9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 25

1. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch. Ranked 6 in Medium term Bond category. Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (29 Apr 25)	₹39.3688 ↑ 0.05 (0.12 %)
Net Assets (Cr)	₹2,206 on 31 Mar 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	2.48
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	7.89%
Effective Maturity	4 Years 10 Months 24 Days
Modified Duration	3 Years 7 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,987
31 Mar 22	₹12,025
31 Mar 23	₹14,567
31 Mar 24	₹15,635
31 Mar 25	₹17,673

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹221,713.
Net Profit of ₹41,713 Invest Now

Returns for Aditya Birla Sun Life Medium 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 29 Apr 25

Duration	Returns
1 Month	1.5%
3 Month	5.1%
6 Month	7.1%
1 Year	14.5%
3 Year	14.3%
5 Year	13.8%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	6.9%
2022	24.8%
2021	7.1%
2020	8.1%
2019	-4.4%
2018	5.6%
2017	7%
2016	10.9%
2015	9.5%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	10.59 Yr.
Mohit Sharma	6 Aug 20	4.65 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.63%
Equity	4.35%
Debt	90.78%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	57.77%
Government	33.01%
Cash Equivalent	4.63%

Credit Quality

Rating	Value
A	2.36%
AA	39.52%
AAA	55.71%
BBB	2.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	15%	₹346 Cr	33,000,000 ↓ -8,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹133 Cr	12,696,700
Small Industries Development Bank Of India Debentures \| -	4%	₹102 Cr	10,000 ↑ 10,000
Nuvama Wealth Finance Ltd Debentures \| -	4%	₹95 Cr	9,500 ↑ 9,500
National Bank For Financing Infrastructure And Development Debentures \| -	3%	₹72 Cr	7,000
360 One Prime Ltd. 9.4% Debentures \| -	3%	₹65 Cr	6,500
SK Finance Limited Debentures \| -	3%	₹65 Cr	6,500
Narayana Hrudayalaya Limited Debentures \| -	3%	₹61 Cr	6,000
JSW Energy Ltd 8.75% Debentures \| -	3%	₹61 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Axis Strategic Bond Fund is a Debt - Medium term Bond fund was launched on 28 Mar 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 7 in Medium term Bond category. Return for 2024 was 8.7% , 2023 was 7.3% and 2022 was 3.8% .

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund Growth
Launch Date	28 Mar 12
NAV (29 Apr 25)	₹27.7737 ↑ 0.04 (0.15 %)
Net Assets (Cr)	₹1,899 on 31 Mar 25
Category	Debt - Medium term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	1.61
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	8.03%
Effective Maturity	5 Years 1 Month 20 Days
Modified Duration	3 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,801
31 Mar 22	₹11,410
31 Mar 23	₹11,926
31 Mar 24	₹12,870
31 Mar 25	₹13,992

Axis Strategic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Axis Strategic 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 29 Apr 25

Duration	Returns
1 Month	1.5%
3 Month	3.2%
6 Month	5.2%
1 Year	10.1%
3 Year	7.7%
5 Year	7.5%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	7.3%
2022	3.8%
2021	5.2%
2020	10.5%
2019	7.1%
2018	6.7%
2017	7.5%
2016	11.6%
2015	6.8%

Fund Manager information for Axis Strategic Bond Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.41 Yr.
Sachin Jain	1 Feb 23	2.16 Yr.
Akhil Thakker	1 Feb 23	2.16 Yr.

Data below for Axis Strategic Bond Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	6.78%
Equity	0.37%
Debt	92.57%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	58.06%
Government	34.51%
Cash Equivalent	6.78%

Credit Quality

Rating	Value
A	10.85%
AA	42.45%
AAA	46.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	15%	₹283 Cr	27,100,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	6%	₹122 Cr	11,500,000 ↑ 8,000,000
7.58% LIC Housing Finance Limited (23/03/2035) Debentures \| -	3%	₹61 Cr	6,000
Nirma Limited Debentures \| -	3%	₹61 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹59 Cr	5,600,000
Nuvama Wealth Finance Limited 9.75% Debentures \| -	3%	₹58 Cr	5,800
DLF Cyber City Developers Ltd. 8.4% Debentures \| -	3%	₹56 Cr	5,500
Aadhar Housing Finance Ltd. 8.65% Debentures \| -	3%	₹53 Cr	5,200
7.48% National Bank For Agriculture And Rural Development Debentures \| -	3%	₹51 Cr	5,000 ↑ 5,000

3. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Nippon India Strategic Debt Fund is a Debt - Medium term Bond fund was launched on 26 Jun 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 4% since its launch. Ranked 7 in Medium term Bond category. Return for 2024 was 8.3% , 2023 was 7% and 2022 was 2% .

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund Growth
Launch Date	26 Jun 14
NAV (29 Apr 25)	₹15.3742 ↑ 0.02 (0.10 %)
Net Assets (Cr)	₹99 on 31 Mar 25
Category	Debt - Medium term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.92
Sharpe Ratio	1.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity	8.03%
Effective Maturity	4 Years 9 Months 29 Days
Modified Duration	3 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,148
31 Mar 22	₹11,959
31 Mar 23	₹12,390
31 Mar 24	₹13,244
31 Mar 25	₹14,379

Nippon India Strategic Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Returns for Nippon India Strategic 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 29 Apr 25

Duration	Returns
1 Month	1.6%
3 Month	3.2%
6 Month	5.1%
1 Year	9.9%
3 Year	7%
5 Year	8.2%
10 Year
15 Year
Since launch	4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7%
2022	2%
2021	17.4%
2020	-23.5%
2019	-3.4%
2018	4.7%
2017	6.9%
2016	11.1%
2015	9%

Fund Manager information for Nippon India Strategic Debt Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	6.86 Yr.
Sushil Budhia	1 Feb 20	5.16 Yr.
Akshay Sharma	1 Dec 22	2.33 Yr.

Data below for Nippon India Strategic Debt Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	15.45%
Debt	84.09%
Other	0.46%

Debt Sector Allocation

Sector	Value
Corporate	50.43%
Government	33.65%
Cash Equivalent	15.45%

Credit Quality

Rating	Value
AA	60.99%
AAA	39.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	26%	₹26 Cr	2,500,000
Truhome Finance Ltd. 9.25% Debentures \| -	5%	₹5 Cr	500
Century Textiles And Industries Limited Debentures \| -	5%	₹5 Cr	500
Godrej Industries Limited Debentures \| -	5%	₹5 Cr	500
Aadhar Housing Finance Limited Debentures \| -	5%	₹5 Cr	500
JSW Steel Limited Debentures \| -	5%	₹5 Cr	50
Manappuram Finance Limited Debentures \| -	5%	₹5 Cr	500
Delhi International Airport Limited Debentures \| -	4%	₹4 Cr	400
Indostar Capital Finance Limited Debentures \| -	4%	₹4 Cr	400
5.63% Govt Stock 2026 Sovereign Bonds \| -	3%	₹4 Cr	351,700

4. Kotak Dynamic Bond Fund

(Erstwhile Kotak Flexi Debt Scheme)

To maximize returns through active management of a portfolio of debt and money market securities.

Kotak Dynamic Bond Fund is a Debt - Medium term Bond fund was launched on 26 May 08. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 23 in Medium term Bond category. Return for 2024 was 9.3% , 2023 was 6.5% and 2022 was 2.5% .

Below is the key information for Kotak Dynamic Bond Fund

Kotak Dynamic Bond Fund Growth
Launch Date	26 May 08
NAV (29 Apr 25)	₹37.6061 ↑ 0.12 (0.32 %)
Net Assets (Cr)	₹2,826 on 31 Mar 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.3
Sharpe Ratio	0.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.1%
Effective Maturity	19 Years 4 Months 6 Days
Modified Duration	8 Years 11 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,789
31 Mar 22	₹11,293
31 Mar 23	₹11,624
31 Mar 24	₹12,647
31 Mar 25	₹13,721

Kotak Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Kotak Dynamic 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 29 Apr 25

Duration	Returns
1 Month	2%
3 Month	3.8%
6 Month	5%
1 Year	11.5%
3 Year	7.5%
5 Year	7%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.3%
2023	6.5%
2022	2.5%
2021	3.2%
2020	11.7%
2019	11.1%
2018	7.3%
2017	5.6%
2016	13.4%
2015	7.5%

Fund Manager information for Kotak Dynamic Bond Fund

Name	Since	Tenure
Deepak Agrawal	25 Nov 12	12.35 Yr.
Abhishek Bisen	1 Nov 22	2.41 Yr.

Data below for Kotak Dynamic Bond Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	2.66%
Equity	5.16%
Debt	90.66%
Other	1.53%

Debt Sector Allocation

Sector	Value
Government	72.66%
Corporate	18%
Cash Equivalent	2.66%

Credit Quality

Rating	Value
AA	9.89%
AAA	90.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	45%	₹1,262 Cr	119,500,000 ↓ -2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹325 Cr	31,109,620
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹231 Cr	22,053,280
Muthoot Finance Limited Debentures \| -	5%	₹153 Cr	15,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	5%	₹147 Cr	14,000,000
HDFC Bank Limited Debentures \| -	3%	₹87 Cr	850
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	3%	₹82 Cr	2,209,204
TATA Steel Limited Debentures \| -	3%	₹77 Cr	750
HDFC Bank Limited Debentures \| -	3%	₹72 Cr	7,000
HDFC Bank Limited Debentures \| -	2%	₹51 Cr	500

5. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Kotak Medium Term Fund is a Debt - Medium term Bond fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 10 in Medium term Bond category. Return for 2024 was 9% , 2023 was 6.1% and 2022 was 3.2% .

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund Growth
Launch Date	25 Mar 14
NAV (29 Apr 25)	₹22.4901 ↑ 0.03 (0.12 %)
Net Assets (Cr)	₹1,766 on 31 Mar 25
Category	Debt - Medium term Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.58
Sharpe Ratio	1.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity	8.18%
Effective Maturity	5 Years 2 Months 23 Days
Modified Duration	3 Years 6 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,642
31 Mar 22	₹11,284
31 Mar 23	₹11,626
31 Mar 24	₹12,563
31 Mar 25	₹13,601

Kotak Medium Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25

Duration	Returns
1 Month	1.5%
3 Month	2.9%
6 Month	4.3%
1 Year	9.9%
3 Year	7%
5 Year	7.5%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	3.2%
2021	4.7%
2020	8.5%
2019	7%
2018	5.4%
2017	6.6%
2016	10.9%
2015	9.3%

Fund Manager information for Kotak Medium Term Fund

Name	Since	Tenure
Deepak Agrawal	25 Mar 14	11.03 Yr.
Sunit garg	1 Nov 22	2.41 Yr.

Data below for Kotak Medium Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	2.42%
Equity	5.61%
Debt	90.42%
Other	1.55%

Debt Sector Allocation

Sector	Value
Corporate	62.05%
Government	28.01%
Cash Equivalent	2.79%

Credit Quality

Rating	Value
A	10.34%
AA	35.32%
AAA	54.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	14%	₹274 Cr	26,250,021
7.18% Govt Stock 2033 Sovereign Bonds \| -	9%	₹182 Cr	17,343,470
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	5%	₹90 Cr	9,000
TATA Steel Limited Debentures \| -	4%	₹77 Cr	750
Pipeline Infrastructure Private Limited Debentures \| -	3%	₹65 Cr	6,280
Aditya Birla Renewables Limited Debentures \| -	3%	₹61 Cr	6,000
SANSAR AUG 2024 V TRUST Unlisted bonds \| -	3%	₹60 Cr	600,000,000
Indostar Capital Finance Limited Debentures \| -	3%	₹60 Cr	6,000
Embassy Office Parks REIT (Real Estate) -, Since 31 May 21 \| 542602	3%	₹56 Cr	1,498,708
Century Textiles And Industries Limited Debentures \| -	3%	₹56 Cr	5,500

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