మీ మొత్తం పెట్టుబడి కోసం Mut ణ మ్యూచువల్ ఫండ్స్

Updated on November 25, 2025 , 2430 views

సాధారణంగా, ఎవరైనా కోరుకున్నప్పుడుమ్యూచువల్ ఫండ్లలో పెట్టుబడి పెట్టండి, వారు ఒక తీసుకోవాలి అని వారు అయోమయంలో ఉన్నారుSIP మార్గం లేదా మొత్తం. మీ కోసం దీన్ని సులభతరం చేద్దాం! డెట్ ఫండ్లలో పెట్టుబడులు పెట్టాలని యోచిస్తున్న పెట్టుబడిదారులు ఆదర్శంగా వన్-టైమ్ చెల్లింపు మోడ్‌ను ఎన్నుకోవాలి, ఇది మొత్తం పెట్టుబడి విధానం. తక్కువ వ్యవధిలో సులభంగా పెట్టుబడి పెట్టడం ఎల్లప్పుడూ తెలివైనదేద్రవ్య.

డెట్ మ్యూచువల్ ఫండ్ పెట్టుబడికి ఒకే మొత్తం ఎందుకు?

ఒకే మొత్తంలో పెట్టుబడి కోసం, డెట్ ఫండ్స్ పోలిస్తే మంచి ఎంపికఈక్విటీ మ్యూచువల్ ఫండ్స్. ఒకే మొత్తం మార్గం వడ్డీ రేటులో మార్పు ప్రమాదాన్ని తగ్గిస్తుంది, అలాగే స్థిర డిపాజిట్ల (ఎఫ్‌డి) తో పోల్చితే మంచి రాబడిని ఇస్తుంది. ఆదర్శవంతంగా, మీరు ఒకే మొత్తంలో రూట్ ఫండ్లలో పెట్టుబడి పెట్టినప్పుడు, ఇది రెండు సమస్యలను పరిష్కరిస్తుంది- ఒకటి పన్ను ప్రయోజనాలు మరియు మరొకటి తిరిగి పెట్టుబడి ప్రమాదం.

పెరుగుతున్న వడ్డీ రేట్ల సమయంలో, అధిక-నాణ్యత గల పోర్ట్‌ఫోలియోతో రుణ ఆధారిత నిధులలో ఒకే మొత్తంలో వెళ్ళడానికి ఇది మంచి సమయంబాండ్స్. ఈ నిధులు సాధారణంగా పనిలేకుండా పొదుపు చేసేవారికి అనుకూలంగా ఉంటాయి మరియు సరైన రాబడి కోసం పెట్టుబడి పెట్టాలనుకుంటాయి. ఒకే మొత్తంలో ఎంత మొత్తంలో అయినా చెల్లించవచ్చుమ్యూచువల్ ఫండ్.

ఒక క్రమబద్ధమైనదానితో పోల్చితే ఒకే మొత్తం పెట్టుబడి బాగా పనిచేస్తుందిపెట్టుబడి ప్రణాళిక- మార్కెట్ తిరోగమనంలో లేదా తక్కువ విలువలతో పెట్టుబడి పెడితే మాత్రమే. అయితే, మొత్తంఇన్వెస్టింగ్ మార్కెట్ విలువలు విస్తరించినప్పుడు లేదా మీ పెట్టుబడి యొక్క ప్రారంభ దశలో మార్కెట్లు బాగా సరిదిద్దినప్పుడు ఎక్కువ పెట్టుబడి పెడితే పనిచేయకపోవచ్చు.

రుణ నిధులలో ఎలా పెట్టుబడి పెట్టాలి: మూల్యాంకనం చేయండి

ఫండ్ రిటర్న్స్- ఆహారంలో మంచి ట్రాక్ రికార్డ్ ఉండాలి. స్థిరమైన పనితీరును అందించే బలమైన చరిత్ర కలిగిన ఫండ్ హౌస్ కోసం వెళ్లండి. ఫండ్ యొక్క గత 1, 3 మరియు 5 సంవత్సరాల రాబడిని తనిఖీ చేయండి మరియు దాని బెంచ్‌మార్క్‌ను అధిగమించగలిగితే లేదా.

మ్యాచ్ హారిజన్స్ మ్యాచ్- డెట్ ఫండ్స్ సంబంధిత మెచ్యూరిటీ కాలంతో పెట్టుబడి యొక్క విభిన్న ఎంపికలను అందిస్తాయి. పెట్టుబడిదారులు వారి మెచ్యూరిటీ వ్యవధి ఆధారంగా పెట్టుబడిని నిర్ణయించుకోవాలి, వారు ఇతర వాటితో కూడా పోల్చవచ్చుడెట్ ఫండ్ సాధన మరియు వారి ప్రణాళికకు ఉత్తమమైనదాన్ని ఎంచుకోండి. ఉదాహరణకు, మీరు ఒక సంవత్సరం పెట్టుబడి ప్రణాళిక యొక్క కాలపరిమితిని చూస్తున్నట్లయితే, స్వల్పకాలిక రుణ నిధి ఆదర్శంగా సరిపోతుంది.

ఖర్చు నిష్పత్తి- డెట్ ఫండ్లలో పరిగణించవలసిన ముఖ్యమైన అంశం దాని ఖర్చు నిష్పత్తి. అధిక వ్యయ నిష్పత్తి నిధుల పనితీరుపై పెద్ద ప్రభావాన్ని సృష్టిస్తుంది. ఉదాహరణకి,ద్రవ నిధులు 50 బిపిఎస్ వరకు ఉండే అతి తక్కువ వ్యయ నిష్పత్తులను కలిగి ఉండండి (వడ్డీ రేట్లను కొలవడానికి బిపిఎస్ ఒక యూనిట్, ఇందులో ఒక బిపిఎస్ 1% లో 1/100 వ వంతుకు సమానం) అయితే, ఇతర రుణ నిధులు 150 బిపిఎస్ వరకు వసూలు చేయవచ్చు. కాబట్టి ఒక డెట్ మ్యూచువల్ ఫండ్ మధ్య ఎంపిక చేసుకోవటానికి, నిర్వహణ రుసుము లేదా ఫండ్ రన్నింగ్ ఖర్చును పరిగణనలోకి తీసుకోవడం చాలా ముఖ్యం.

టాప్ 10 బెస్ట్ లంప్ సమ్ డెట్ మ్యూచువల్ ఫండ్స్ 2020 - 2021

క్రింద ఉన్న టాప్ ర్యాంక్ ఫండ్స్రుణ వర్గాలు ప్రధానంగా నిధులను కలిగి ఉంటాయిAUM> 2000 కోట్లు & అల్ట్రా-షార్ట్, కార్పొరేట్ బాండ్, క్రెడిట్ రిస్క్, తక్కువ వ్యవధి ఉప వర్గాలలో ఉన్నాయి.

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 Corporate Bond Fund Growth	₹115.946 ↓ -0.02	₹30,132	1,000	2.3	2.3	8.1	7.9	8.5	7.13%	4Y 10M 13D	7Y 7M 2D
HDFC Corporate Bond Fund Growth	₹33.4119 ↓ 0.00	₹36,134	5,000	2.1	2.2	8	7.9	8.6	6.97%	4Y 3M 7D	7Y 29D
Aditya Birla Sun Life Savings Fund Growth	₹563.59 ↑ 0.11	₹22,389	1,000	1.6	3.4	7.6	7.5	7.9	6.81%	5M 19D	6M 22D
Nippon India Prime Debt Fund Growth	₹61.7068 ↓ -0.01	₹10,732	1,000	2.1	2.4	8.5	8	8.4	6.98%	3Y 9M	5Y 29D
SBI Credit Risk Fund Growth	₹46.9954 ↑ 0.00	₹2,190	5,000	2.1	3.4	8.4	8.2	8.1	8.09%	2Y 8M 23D	4Y 3M 11D
Kotak Corporate Bond Fund Standard Growth	₹3,882.24 ↑ 0.07	₹18,909	5,000	2.1	2.6	8.4	7.8	8.3	6.9%	3Y 1M 24D	4Y 10M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

Research Highlights & Commentary of 6 Funds showcased

Commentary	Aditya Birla Sun Life Corporate Bond Fund	HDFC Corporate Bond Fund	Aditya Birla Sun Life Savings Fund	Nippon India Prime Debt Fund	SBI Credit Risk Fund	Kotak Corporate Bond Fund Standard
Point 1	Upper mid AUM (₹30,132 Cr).	Highest AUM (₹36,134 Cr).	Upper mid AUM (₹22,389 Cr).	Bottom quartile AUM (₹10,732 Cr).	Bottom quartile AUM (₹2,190 Cr).	Lower mid AUM (₹18,909 Cr).
Point 2	Oldest track record among peers (28 yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (25+ yrs).	Established history (21+ yrs).	Established history (18+ 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: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 8.07% (lower mid).	1Y return: 7.98% (bottom quartile).	1Y return: 7.64% (bottom quartile).	1Y return: 8.49% (top quartile).	1Y return: 8.42% (upper mid).	1Y return: 8.40% (upper mid).
Point 6	1M return: 0.67% (upper mid).	1M return: 0.56% (bottom quartile).	1M return: 0.57% (bottom quartile).	1M return: 0.60% (upper mid).	1M return: 0.71% (top quartile).	1M return: 0.58% (lower mid).
Point 7	Sharpe: 0.79 (bottom quartile).	Sharpe: 0.78 (bottom quartile).	Sharpe: 3.40 (top quartile).	Sharpe: 1.11 (lower mid).	Sharpe: 1.98 (upper mid).	Sharpe: 1.19 (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): 7.13% (upper mid).	Yield to maturity (debt): 6.97% (lower mid).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.98% (upper mid).	Yield to maturity (debt): 8.09% (top quartile).	Yield to maturity (debt): 6.90% (bottom quartile).
Point 10	Modified duration: 4.87 yrs (bottom quartile).	Modified duration: 4.27 yrs (bottom quartile).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 3.75 yrs (lower mid).	Modified duration: 2.73 yrs (upper mid).	Modified duration: 3.15 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.07% (lower mid).
1M return: 0.67% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.87 yrs (bottom quartile).

HDFC Corporate Bond Fund

Highest AUM (₹36,134 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.98% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹22,389 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.64% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Nippon India Prime Debt Fund

Bottom quartile AUM (₹10,732 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.49% (top quartile).
1M return: 0.60% (upper mid).
Sharpe: 1.11 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 3.75 yrs (lower mid).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,190 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.42% (upper mid).
1M return: 0.71% (top quartile).
Sharpe: 1.98 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 2.73 yrs (upper mid).

Kotak Corporate Bond Fund Standard

Lower mid AUM (₹18,909 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.40% (upper mid).
1M return: 0.58% (lower mid).
Sharpe: 1.19 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 3.15 yrs (upper mid).

1. 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 (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.07% (lower mid).
1M return: 0.67% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.87 yrs (bottom quartile).
Average maturity: 7.59 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~8.9%).

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 (27 Nov 25)	₹115.946 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹30,132 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	7 Years 7 Months 2 Days
Modified Duration	4 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,476
31 Oct 22	₹10,837
31 Oct 23	₹11,598
31 Oct 24	₹12,632
31 Oct 25	₹13,618

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 27 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	2.3%
1 Year	8.1%
3 Year	7.9%
5 Year	6.3%
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	4.56 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.28%
Debt	95.46%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	54.85%
Government	39.57%
Cash Equivalent	4.28%
Securitized	1.04%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	9%	₹2,699 Cr	269,236,200 ↓ -2,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,296 Cr	226,500,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹1,304 Cr	133,000,000 ↑ 19,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,154 Cr	113,500 ↑ 5,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹719 Cr	72,500,000 ↑ 10,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹715 Cr	69,161,700 ↓ -1,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹594 Cr	59,000
Rec Limited Debentures \| -	2%	₹586 Cr	60,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹566 Cr	55,000
Bharti Telecom Limited Debentures \| -	2%	₹510 Cr	50,900 ↑ 10,000

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 (₹36,134 Cr).
Established history (15+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.98% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.97% (lower mid).
Modified duration: 4.27 yrs (bottom quartile).
Average maturity: 7.08 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.2%).

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund Growth
Launch Date	29 Jun 10
NAV (27 Nov 25)	₹33.4119 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹36,134 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	0.78
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.97%
Effective Maturity	7 Years 29 Days
Modified Duration	4 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,472
31 Oct 22	₹10,748
31 Oct 23	₹11,518
31 Oct 24	₹12,529
31 Oct 25	₹13,506

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	2.2%
1 Year	8%
3 Year	7.9%
5 Year	6.1%
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	10.02 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.31%
Debt	96.41%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	55.23%
Government	39.18%
Cash Equivalent	3.33%
Securitized	1.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	6%	₹2,254 Cr	230,000,000
Bajaj Finance Limited Debentures \| -	3%	₹1,132 Cr	112,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	3%	₹1,034 Cr	110,000,000 ↑ 50,000,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	3%	₹919 Cr	89,000,000
State Bank Of India Debentures \| -	2%	₹806 Cr	800
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹752 Cr	75,000,000 ↓ -28,500,000
HDFC Bank Limited Debentures \| -	1%	₹517 Cr	50,000
Small Industries Development Bank Of India Debentures \| -	1%	₹509 Cr	50,000
LIC Housing Finance Ltd Debentures \| -	1%	₹509 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹472 Cr	4,500

3. 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

Upper mid AUM (₹22,389 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.64% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.56 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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 (27 Nov 25)	₹563.59 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹22,389 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.4%
1 Year	7.6%
3 Year	7.5%
5 Year	6.2%
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	11.38 Yr.
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Monika Gandhi	22 Mar 21	4.62 Yr.

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

Asset Allocation

Asset Class	Value
Cash	49.2%
Debt	50.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	47.85%
Cash Equivalent	39.2%
Government	12.71%

Credit Quality

Rating	Value
AA	28.73%
AAA	71.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Mankind Pharma Limited Debentures \| -	1%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	1%	₹344 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹272 Cr	27,000

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 (₹10,732 Cr).
Established history (25+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.49% (top quartile).
1M return: 0.60% (upper mid).
Sharpe: 1.11 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (upper mid).
Modified duration: 3.75 yrs (lower mid).
Average maturity: 5.08 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~6.8%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund Growth
Launch Date	14 Sep 00
NAV (27 Nov 25)	₹61.7068 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹10,732 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	5 Years 29 Days
Modified Duration	3 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,518
31 Oct 22	₹10,908
31 Oct 23	₹11,677
31 Oct 24	₹12,703
31 Oct 25	₹13,763

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	2.4%
1 Year	8.5%
3 Year	8%
5 Year	6.5%
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	5.75 Yr.
Kinjal Desai	25 May 18	7.44 Yr.
Lokesh Maru	5 Sep 25	0.16 Yr.
Divya Sharma	5 Sep 25	0.16 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.02%
Debt	95.75%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	51.05%
Government	41.07%
Cash Equivalent	4.02%
Securitized	3.63%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹760 Cr	77,500,000 ↑ 15,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹395 Cr	39,000,000 ↓ -1,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	2%	₹258 Cr	25,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹251 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹249 Cr	24,500 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹211 Cr	20,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹203 Cr	200
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹203 Cr	200
7.27% State Government Securities Sovereign Bonds \| -	2%	₹201 Cr	20,000,000

5. 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 (₹2,190 Cr).
Established history (21+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.42% (upper mid).
1M return: 0.71% (top quartile).
Sharpe: 1.98 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 2.73 yrs (upper mid).
Average maturity: 4.28 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 (~88%).
High-quality debt (AAA/AA ~83%).
Largest holding 6.92% Govt Stock 2039 (~6.9%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (27 Nov 25)	₹46.9954 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹2,190 on 31 Oct 25
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.98
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	8.09%
Effective Maturity	4 Years 3 Months 11 Days
Modified Duration	2 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,574
31 Oct 22	₹10,973
31 Oct 23	₹11,868
31 Oct 24	₹12,832
31 Oct 25	₹13,890

SBI Credit Risk 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 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 27 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	2.1%
6 Month	3.4%
1 Year	8.4%
3 Year	8.2%
5 Year	6.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	8.75 Yr.

Data below for SBI Credit Risk Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	8.59%
Equity	3.1%
Debt	87.94%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	68.63%
Government	19.3%
Cash Equivalent	8.59%

Credit Quality

Rating	Value
A	17.05%
AA	62.36%
AAA	20.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹150 Cr	15,000,000
Infopark Properties Limited Debentures \| -	5%	₹106 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹105 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹100 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹92 Cr	9,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹82 Cr	8,500
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000
Renserv Global Private Limited Debentures \| -	4%	₹80 Cr	8,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹76 Cr	7,500

6. 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

Lower mid AUM (₹18,909 Cr).
Established history (18+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.40% (upper mid).
1M return: 0.58% (lower mid).
Sharpe: 1.19 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 3.15 yrs (upper mid).
Average maturity: 4.89 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~8.3%).

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard Growth
Launch Date	21 Sep 07
NAV (27 Nov 25)	₹3,882.24 ↑ 0.07 (0.00 %)
Net Assets (Cr)	₹18,909 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.67
Sharpe Ratio	1.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.9%
Effective Maturity	4 Years 10 Months 20 Days
Modified Duration	3 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,455
31 Oct 22	₹10,767
31 Oct 23	₹11,479
31 Oct 24	₹12,464
31 Oct 25	₹13,492

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	2.6%
1 Year	8.4%
3 Year	7.8%
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	10.75 Yr.
Manu Sharma	1 Nov 22	3 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.41%
Debt	96.34%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	61.84%
Government	32.67%
Cash Equivalent	3.41%
Securitized	1.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,575 Cr	151,935,080
7.09% Govt Stock 2054 Sovereign Bonds \| -	4%	₹761 Cr	78,100,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹635 Cr	62,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹593 Cr	58,500
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹499 Cr	49,000,000
Bajaj Finance Limited Debentures \| -	2%	₹445 Cr	43,500
Small Industries Development Bank Of India Debentures \| -	2%	₹356 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹356 Cr	35,000
Power Finance Corporation Limited Debentures \| -	2%	₹356 Cr	35,000
Power Finance Corporation Limited Debentures \| -	2%	₹330 Cr	32,500

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Disclaimer:
ఇక్కడ అందించిన సమాచారం ఖచ్చితమైనదని నిర్ధారించడానికి అన్ని ప్రయత్నాలు జరిగాయి. ఏదేమైనా, డేటా యొక్క ఖచ్చితత్వానికి సంబంధించి ఎటువంటి హామీలు ఇవ్వబడవు. ఏదైనా పెట్టుబడి పెట్టడానికి ముందు దయచేసి స్కీమ్ సమాచార పత్రంతో ధృవీకరించండి.