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உங்கள் மொத்த தொகை முதலீட்டிற்கான கடன் பரஸ்பர நிதிகள்

Updated on September 21, 2025 , 2385 views

வழக்கமாக, யாராவது விரும்பினால்மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்யுங்கள், அவர்கள் ஒரு எடுக்க வேண்டுமா என்று குழப்பமடைகிறார்கள்SIP மூலம் பாதை அல்லது மொத்த தொகை. இதை உங்களுக்கு எளிதாக்குவோம்! கடன் நிதிகளில் முதலீடு செய்யத் திட்டமிடும் முதலீட்டாளர்கள் ஒரு முறை செலுத்தும் முறையைத் தேர்வு செய்ய வேண்டும், இது ஒரு மொத்த முதலீட்டு முறை. குறுகிய காலத்திற்கு எளிதாக முதலீடு செய்வது எப்போதும் புத்திசாலித்தனம்நீர்மை நிறை.

கடன் மியூச்சுவல் ஃபண்ட் முதலீட்டிற்கான மொத்த தொகை ஏன்?

மொத்த தொகை முதலீட்டிற்கு, ஒப்பிடும்போது கடன் நிதிகள் ஒரு சிறந்த வழிபங்கு பரஸ்பர நிதிகள். ஒரு மொத்த தொகை பாதை வட்டி விகிதத்தில் மாற்றத்தின் அபாயத்தை குறைக்கிறது, அத்துடன் நிலையான வைப்புத்தொகைகளுடன் (எஃப்.டி) ஒப்பிடுகையில் சிறந்த வருமானத்தை அளிக்கிறது. வெறுமனே, நீங்கள் கடன் நிதிகளில் மொத்த தொகையை முதலீடு செய்யும்போது, அது இரண்டு சிக்கல்களை தீர்க்கிறது- ஒன்று வரி சலுகைகள் மற்றும் மற்றொன்று மறு முதலீட்டு ஆபத்து.

உயரும் வட்டி விகிதங்களின் போது, உயர் தரமான போர்ட்ஃபோலியோவுடன் கடன் சார்ந்த நிதிகளில் மொத்த தொகையை எடுக்க இது ஒரு நல்ல நேரம்பத்திரங்கள். இந்த நிதிகள் பொதுவாக செயலற்ற சேமிப்பு மற்றும் உகந்த வருமானத்திற்காக முதலீடு செய்ய விரும்பும் நபர்களுக்கு ஏற்றவை. எத்தனை மொத்த தொகை செலுத்துதல்களை aபரஸ்பர நிதி.

ஒரு முறையான ஒப்பிடும்போது ஒரு மொத்த தொகை முதலீடு நன்றாக வேலை செய்கிறதுமுதலீட்டு திட்டம்- சந்தை சரிவின் போது அல்லது குறைந்த மதிப்பீடுகளில் முதலீடு செய்தால் மட்டுமே. இருப்பினும், மொத்த தொகைமுதலீடு சந்தை மதிப்பீடுகள் நீட்டிக்கப்படும்போது அல்லது உங்கள் முதலீட்டின் ஆரம்ப கட்டத்தில் சந்தைகள் கூர்மையாக சரிசெய்யும்போது ஒருவர் அதிக முதலீடு செய்தால் வேலை செய்யாது.

Why Debt Mutual Fund for Lump sum Investing

கடன் நிதிகளில் முதலீடு செய்வது எப்படி: மதிப்பீடு செய்யுங்கள்

நிதி வருமானம்- ஒரு உணவில் ஒரு நல்ல பதிவு இருக்க வேண்டும். நிலையான செயல்திறனை வழங்குவதற்கான வலுவான வரலாற்றைக் கொண்ட ஒரு நிதி இல்லத்திற்குச் செல்லுங்கள். நிதியின் கடந்த 1, 3 மற்றும் 5 ஆண்டு வருவாயைச் சரிபார்க்கவும், அதன் அளவுகோலை வெல்ல முடியுமா இல்லையா என்பதை சரிபார்க்கவும்.

போட்டி நேர எல்லைகள்- கடன் நிதிகள் அந்தந்த முதிர்வு காலத்துடன் பல்வேறு வகையான முதலீடுகளை வழங்குகின்றன. முதலீட்டாளர்கள் தங்கள் முதிர்வு காலத்தின் அடிப்படையில் முதலீட்டை தீர்மானிக்க வேண்டும், அதே நேரத்தில் அவர்கள் மற்றவர்களுடன் ஒப்பிடலாம்கடன் நிதி கருவிகள் மற்றும் அவர்களின் திட்டத்திற்கு மிகவும் பொருத்தமான ஒன்றைத் தேர்ந்தெடுக்கவும். எடுத்துக்காட்டாக, நீங்கள் ஒரு வருட முதலீட்டுத் திட்டத்தின் கால அளவைப் பார்க்கிறீர்கள் என்றால், ஒரு குறுகிய கால கடன் நிதி மிகவும் பொருத்தமாக இருக்கும்.

செலவு விகிதம்- கடன் நிதிகளில் கருத்தில் கொள்ள வேண்டிய ஒரு முக்கிய காரணி அதன் செலவு விகிதம். அதிக செலவு விகிதம் நிதிகளின் செயல்திறனில் பெரிய தாக்கத்தை உருவாக்குகிறது. உதாரணத்திற்கு,திரவ நிதிகள் 50 பிபிஎஸ் வரை இருக்கும் மிகக் குறைந்த செலவு விகிதங்களைக் கொண்டிருங்கள் (பிபிஎஸ் என்பது வட்டி விகிதங்களை அளவிடுவதற்கான ஒரு அலகு, இதில் ஒரு பிபிஎஸ் 1/100 க்கு 1% க்கு சமம்) அதேசமயம், மற்ற கடன் நிதிகள் 150 பிபிஎஸ் வரை வசூலிக்கக்கூடும். எனவே ஒரு கடன் பரஸ்பர நிதிக்கு இடையில் தேர்வு செய்ய, நிர்வாகக் கட்டணம் அல்லது நிதி இயங்கும் செலவை கருத்தில் கொள்வது அவசியம்.

முதல் 10 சிறந்த மொத்த தொகை கடன் பரஸ்பர நிதிகள் 2020 - 2021

முதல் தரவரிசை நிதிகள் கீழேகடன் வகைகள் முதன்மையாக நிதி கொண்டவைAUM> 2000 கோடி & அல்ட்ரா-ஷார்ட், கார்ப்பரேட் பத்திரம், கடன் ஆபத்து, குறைந்த கால துணை வகைகளில் உள்ளன.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹557.003
↑ 0.11
₹21,521 1,000 1.647.97.57.96.76%5M 8D6M 11D
HDFC Corporate Bond Fund Growth ₹32.931
↑ 0.00
₹35,700 5,000 0.947.67.88.67.06%4Y 2M 1D4Y 4M 28D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹114.186
↓ -0.02
₹28,109 1,000 0.93.97.67.88.57.21%4Y 8M 8D7Y 3M
SBI Credit Risk Fund Growth ₹46.3751
↓ -0.01
₹2,210 5,000 1.64.48.48.28.18.17%2Y 2M 26D3Y 18D
ICICI Prudential Corporate Bond Fund Growth ₹30.2813
↑ 0.01
₹33,574 5,000 1.34.38.27.987%3Y 18D5Y 9M 18D
Nippon India Prime Debt Fund Growth ₹60.8577
↑ 0.00
₹10,042 1,000 1.14.48.288.46.81%3Y 6M 7D4Y 7M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 25

Research Highlights & Commentary of 6 Funds showcased

CommentaryAditya Birla Sun Life Savings FundHDFC Corporate Bond FundAditya Birla Sun Life Corporate Bond FundSBI Credit Risk FundICICI Prudential Corporate Bond FundNippon India Prime Debt Fund
Point 1Lower mid AUM (₹21,521 Cr).Highest AUM (₹35,700 Cr).Upper mid AUM (₹28,109 Cr).Bottom quartile AUM (₹2,210 Cr).Upper mid AUM (₹33,574 Cr).Bottom quartile AUM (₹10,042 Cr).
Point 2Established history (22+ yrs).Established history (15+ yrs).Oldest track record among peers (28 yrs).Established history (21+ yrs).Established history (16+ yrs).Established history (25+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 7.86% (lower mid).1Y return: 7.63% (bottom quartile).1Y return: 7.62% (bottom quartile).1Y return: 8.38% (top quartile).1Y return: 8.18% (upper mid).1Y return: 8.17% (upper mid).
Point 61M return: 0.48% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.56% (upper mid).1M return: 0.68% (top quartile).1M return: 0.51% (upper mid).1M return: 0.51% (lower mid).
Point 7Sharpe: 3.66 (top quartile).Sharpe: 0.68 (bottom quartile).Sharpe: 0.66 (bottom quartile).Sharpe: 1.72 (upper mid).Sharpe: 1.36 (upper mid).Sharpe: 1.00 (lower mid).
Point 8Information 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 9Yield to maturity (debt): 6.76% (bottom quartile).Yield to maturity (debt): 7.06% (upper mid).Yield to maturity (debt): 7.21% (upper mid).Yield to maturity (debt): 8.17% (top quartile).Yield to maturity (debt): 7.00% (lower mid).Yield to maturity (debt): 6.81% (bottom quartile).
Point 10Modified duration: 0.44 yrs (top quartile).Modified duration: 4.17 yrs (bottom quartile).Modified duration: 4.69 yrs (bottom quartile).Modified duration: 2.24 yrs (upper mid).Modified duration: 3.05 yrs (upper mid).Modified duration: 3.52 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

  • Lower mid AUM (₹21,521 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.86% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 0.44 yrs (top quartile).

HDFC Corporate Bond Fund

  • Highest AUM (₹35,700 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.63% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 0.68 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.06% (upper mid).
  • Modified duration: 4.17 yrs (bottom quartile).

Aditya Birla Sun Life Corporate Bond Fund

  • Upper mid AUM (₹28,109 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.62% (bottom quartile).
  • 1M return: 0.56% (upper mid).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.21% (upper mid).
  • Modified duration: 4.69 yrs (bottom quartile).

SBI Credit Risk Fund

  • Bottom quartile AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.38% (top quartile).
  • 1M return: 0.68% (top quartile).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 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: 8.18% (upper mid).
  • 1M return: 0.51% (upper mid).
  • Sharpe: 1.36 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.00% (lower mid).
  • Modified duration: 3.05 yrs (upper mid).

Nippon India Prime Debt Fund

  • Bottom quartile AUM (₹10,042 Cr).
  • Established history (25+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.17% (upper mid).
  • 1M return: 0.51% (lower mid).
  • Sharpe: 1.00 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 3.52 yrs (lower mid).

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

  • Lower mid AUM (₹21,521 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.86% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 0.44 yrs (top quartile).
  • Average maturity: 0.53 yrs (top quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~44%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~2.9%).

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 (24 Sep 25) ₹557.003 ↑ 0.11   (0.02 %)
Net Assets (Cr) ₹21,521 on 31 Aug 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.66
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.76%
Effective Maturity 6 Months 11 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
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

   
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 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 24 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 4%
1 Year 7.9%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 1411.21 Yr.
Kaustubh Gupta15 Jul 1114.14 Yr.
Monika Gandhi22 Mar 214.45 Yr.

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

Asset Allocation
Asset ClassValue
Cash43.54%
Debt56.21%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate63.99%
Cash Equivalent23.22%
Government12.53%
Credit Quality
RatingValue
AA30.21%
AAA69.91%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹488 Cr48,500
91 Days Tbill Red 30-10-2025
Sovereign Bonds | -
2%₹415 Cr42,000,000
07.22 GJ Sdl 2028
Sovereign Bonds | -
2%₹378 Cr37,500,000
Bharti Telecom Limited
Debentures | -
2%₹361 Cr3,600
Mankind Pharma Limited
Debentures | -
2%₹349 Cr34,500
Bharti Telecom Limited
Debentures | -
1%₹321 Cr3,200
National Bank For Agriculture And Rural Development
Debentures | -
1%₹316 Cr3,150
Avanse Financial Services Limited
Debentures | -
1%₹301 Cr30,000
Power Finance Corporation Limited
Debentures | -
1%₹298 Cr30,000

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 (₹35,700 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.63% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 0.68 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.06% (upper mid).
  • Modified duration: 4.17 yrs (bottom quartile).
  • Average maturity: 4.41 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.92% Govt Stock 2039 (~6.6%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund
Growth
Launch Date 29 Jun 10
NAV (24 Sep 25) ₹32.931 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹35,700 on 31 Aug 25
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio 0.68
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.06%
Effective Maturity 4 Years 4 Months 28 Days
Modified Duration 4 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
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

   
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 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 24 Sep 25

DurationReturns
1 Month 0.5%
3 Month 0.9%
6 Month 4%
1 Year 7.6%
3 Year 7.8%
5 Year 6.3%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anupam Joshi27 Oct 159.85 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.09%
Debt96.64%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate58.29%
Government38.35%
Cash Equivalent3.09%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹2,376 Cr235,000,000
Bajaj Finance Limited
Debentures | -
3%₹1,126 Cr112,500
7.81% Govt Stock 2033
Sovereign Bonds | -
3%₹925 Cr89,000,000
6.68% Government Of India
Sovereign Bonds | -
3%₹906 Cr91,500,000
↑ 14,000,000
State Bank Of India
Debentures | -
2%₹805 Cr800
HDFC Bank Limited
Debentures | -
1%₹517 Cr50,000
LIC Housing Finance Ltd
Debentures | -
1%₹509 Cr5,000
Small Industries Development Bank Of India
Debentures | -
1%₹509 Cr50,000
6.99% Govt Stock 2034
Sovereign Bonds | -
1%₹485 Cr47,500,000
Rural Electrification Corporation Limited
Debentures | -
1%₹472 Cr4,500

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 (₹28,109 Cr).
  • Oldest track record among peers (28 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.62% (bottom quartile).
  • 1M return: 0.56% (upper mid).
  • Sharpe: 0.66 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.21% (upper mid).
  • Modified duration: 4.69 yrs (bottom quartile).
  • Average maturity: 7.25 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.92% Govt Stock 2039 (~9.7%).

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 (24 Sep 25) ₹114.186 ↓ -0.02   (-0.01 %)
Net Assets (Cr) ₹28,109 on 31 Aug 25
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 0.66
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.21%
Effective Maturity 7 Years 3 Months
Modified Duration 4 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
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

   
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 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 24 Sep 25

DurationReturns
1 Month 0.6%
3 Month 0.9%
6 Month 3.9%
1 Year 7.6%
3 Year 7.8%
5 Year 6.5%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Gupta12 Apr 214.39 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.24%
Debt96.48%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate57.46%
Government39.02%
Cash Equivalent3.24%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
10%₹2,718 Cr268,736,200
↑ 2,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹2,190 Cr214,500,000
↑ 11,500,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹1,156 Cr113,500
↓ -15,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹841 Cr81,161,700
Small Industries Development Bank Of India
Debentures | -
3%₹750 Cr74,550
Small Industries Development Bank Of India
Debentures | -
2%₹603 Cr6,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹594 Cr59,000
Rec Limited
Debentures | -
2%₹585 Cr60,000
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹574 Cr56,500,000
↑ 6,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹563 Cr55,000

4. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Research Highlights for SBI Credit Risk Fund

  • Bottom quartile AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.38% (top quartile).
  • 1M return: 0.68% (top quartile).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (upper mid).
  • Average maturity: 3.05 yrs (upper mid).
  • Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
  • Top sector: Industrials.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~89%).
  • High-quality debt (AAA/AA ~78%).
  • Largest holding 6.92% Govt Stock 2039 (~6.8%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (24 Sep 25) ₹46.3751 ↓ -0.01   (-0.01 %)
Net Assets (Cr) ₹2,210 on 15 Sep 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 1.72
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity 8.17%
Effective Maturity 3 Years 18 Days
Modified Duration 2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,757
31 Aug 22₹11,148
31 Aug 23₹12,035
31 Aug 24₹12,969
31 Aug 25₹14,026

SBI Credit Risk 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 SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 25

DurationReturns
1 Month 0.7%
3 Month 1.6%
6 Month 4.4%
1 Year 8.4%
3 Year 8.2%
5 Year 7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 8.3%
2022 4.2%
2021 5%
2020 9.8%
2019 6.5%
2018 6.2%
2017 6.9%
2016 10.5%
2015 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.59 Yr.

Data below for SBI Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash8.22%
Equity2.91%
Debt88.5%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate73.53%
Government14.97%
Cash Equivalent8.22%
Credit Quality
RatingValue
A21.83%
AA62.09%
AAA16.08%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹152 Cr15,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹113 Cr11,200
Nirma Limited
Debentures | -
5%₹112 Cr11,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹106 Cr11,000
Infopark Properties Limited
Debentures | -
5%₹106 Cr10,500
Nj Capital Private Limited
Debentures | -
4%₹100 Cr10,000
The Sandur Manganese And Iron Ores Limited
Debentures | -
4%₹83 Cr8,500
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹82 Cr8,000,000
Avanse Financial Services Limited
Debentures | -
4%₹80 Cr8,000
Renserv Global Private Limited
Debentures | -
4%₹80 Cr8,000

5. 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: 8.18% (upper mid).
  • 1M return: 0.51% (upper mid).
  • Sharpe: 1.36 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.00% (lower mid).
  • Modified duration: 3.05 yrs (upper mid).
  • Average maturity: 5.80 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~99%).
  • Largest holding 7.81% Govt Stock 2033 (~5.7%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (24 Sep 25) ₹30.2813 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹33,574 on 15 Sep 25
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio 1.36
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7%
Effective Maturity 5 Years 9 Months 18 Days
Modified Duration 3 Years 18 Days

Growth of 10,000 investment over the years.

DateValue
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

   
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 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 24 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.3%
6 Month 4.3%
1 Year 8.2%
3 Year 7.9%
5 Year 6.6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia22 Jan 241.61 Yr.
Ritesh Lunawat22 Jan 241.61 Yr.

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

Asset Allocation
Asset ClassValue
Cash7.09%
Debt92.64%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate63.06%
Government31.52%
Cash Equivalent5.15%
Credit Quality
RatingValue
AAA99.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.81% Govt Stock 2033
Sovereign Bonds | -
6%₹1,925 Cr185,277,360
LIC Housing Finance Ltd
Debentures | -
4%₹1,459 Cr143,500
↑ 5,000
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹973 Cr95,277,410
↑ 74,519,500
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹866 Cr83,594,780
Pipeline Infrastructure Limited
Debentures | -
2%₹835 Cr80,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹795 Cr78,750
↓ -31,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹650 Cr64,000
↑ 24,000
Bharat Petroleum Corporation Limited
Debentures | -
2%₹594 Cr59,000
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹593 Cr58,412,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹565 Cr55,550
↓ -32,500

6. 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 (₹10,042 Cr).
  • Established history (25+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.17% (upper mid).
  • 1M return: 0.51% (lower mid).
  • Sharpe: 1.00 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 3.52 yrs (lower mid).
  • Average maturity: 4.64 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~92%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~4.5%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund
Growth
Launch Date 14 Sep 00
NAV (24 Sep 25) ₹60.8577 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹10,042 on 31 Aug 25
Category Debt - Corporate Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.71
Sharpe Ratio 1
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.

DateValue
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

   
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 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 24 Sep 25

DurationReturns
1 Month 0.5%
3 Month 1.1%
6 Month 4.4%
1 Year 8.2%
3 Year 8%
5 Year 6.7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma1 Feb 205.59 Yr.
Kinjal Desai25 May 187.28 Yr.

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

Asset Allocation
Asset ClassValue
Cash7.81%
Debt91.94%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate54.57%
Government38.07%
Cash Equivalent7.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹459 Cr45,000,000
↑ 12,000,000
7.02% Govt Stock 2031
Sovereign Bonds | -
4%₹413 Cr40,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
3%₹354 Cr35,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹311 Cr30,000,000
↑ 7,500,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹224 Cr22,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹211 Cr20,500
Small Industries Development Bank Of India
Debentures | -
2%₹204 Cr20,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹203 Cr20,000
Andhra Pradesh (Government of) 6.77%
- | -
2%₹200 Cr20,000,000
↑ 20,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹183 Cr18,000

மொத்த தொகை கடன் மியூச்சுவல் ஃபண்டில் ஆன்லைனில் முதலீடு செய்வது எப்படி?

  1. ஃபின்காஷ்.காமில் வாழ்நாள் முழுவதும் இலவச முதலீட்டு கணக்கைத் திறக்கவும்.

  2. உங்கள் பதிவு மற்றும் KYC செயல்முறையை முடிக்கவும்

  3. பதிவேற்ற ஆவணங்கள் (பான், ஆதார் போன்றவை).மேலும், நீங்கள் முதலீடு செய்யத் தயாராக உள்ளீர்கள்!

    தொடங்கவும்

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. எந்தவொரு முதலீடும் செய்வதற்கு முன் திட்ட தகவல் ஆவணத்துடன் சரிபார்க்கவும்.
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