+91-22-4891390910 Best Performing Debt Mutual Funds SIPs 2026
SIP investment is one of the most disciplined Investing options when investing in Mutual Funds.
Moreover, the minimum amount of investing in a SIP Mutual Fund is as less as INR 500. This makes investing in Top SIP plans much convenient.Generally, SIPs are ideal for Equity Funds as it SIP benefits the most in the long run, but many investors prefer taking it in debt funds too. So, here are some of the best debt SIP plans in India that offer good returns.
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Fund Selection Methodology used to find 10 funds
Top 10 Debt Mutual Funds SIP Plans To Invest In FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Credit Risk Fund Growth ₹25.1515
↑ 0.01 ₹1,391 100 3.1 7.8 12.3 12.2 13.4 8.4% 1Y 10M 13D 2Y 6M Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 ₹550 1,000 1 10.2 11.8 5 4.19% 5M 18D 8M 1D Aditya Birla Sun Life Medium Term Plan Growth ₹43.5093
↑ 0.00 ₹3,127 1,000 3 5.4 8.8 10 10.9 8.49% 2Y 10M 6D 3Y 10M 10D ICICI Prudential Regular Savings Fund Growth ₹34.4345
↑ 0.03 ₹6,005 100 2.9 3.7 8.1 8.5 9.5 8.93% 2Y 14D 3Y 1M 10D Bandhan Government Securities Fund - Investment Plan Growth ₹37.866
↓ -0.01 ₹1,794 1,000 6.5 7 7.8 8 3.7 7.6% 10Y 11M 16D 32Y 1M 28D Nippon India Credit Risk Fund Growth ₹37.7292
↑ 0.01 ₹1,410 100 2.7 3.9 7.6 8.3 8.9 9.12% 2Y 11D 2Y 5M 5D SBI Credit Risk Fund Growth ₹49.0886
↑ 0.01 ₹2,142 500 2.9 4.2 7.3 7.9 7.9 8.7% 2Y 22D 2Y 8M 23D ICICI Prudential Medium Term Bond Fund Growth ₹48.2244
↑ 0.02 ₹5,429 1,000 3.1 3.5 7.2 7.9 9 8.57% 3Y 2M 26D 6Y 2M 5D Kotak Credit Risk Fund Growth ₹31.5837
↑ 0.04 ₹761 1,000 2.5 3.2 7 7.7 9.1 8.95% 1Y 11M 5D 2Y 11M 5D HDFC Credit Risk Debt Fund Growth ₹25.7797
↑ 0.01 ₹7,523 300 2.8 3.7 6.9 7.7 8 8.8% 2Y 2M 23D 3Y 5M 23D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jul 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Aditya Birla Sun Life Credit Risk Fund Sundaram Low Duration Fund Aditya Birla Sun Life Medium Term Plan ICICI Prudential Regular Savings Fund Bandhan Government Securities Fund - Investment Plan Nippon India Credit Risk Fund SBI Credit Risk Fund ICICI Prudential Medium Term Bond Fund Kotak Credit Risk Fund HDFC Credit Risk Debt Fund Point 1 Bottom quartile AUM (₹1,391 Cr). Bottom quartile AUM (₹550 Cr). Upper mid AUM (₹3,127 Cr). Top quartile AUM (₹6,005 Cr). Lower mid AUM (₹1,794 Cr). Lower mid AUM (₹1,410 Cr). Upper mid AUM (₹2,142 Cr). Upper mid AUM (₹5,429 Cr). Bottom quartile AUM (₹761 Cr). Highest AUM (₹7,523 Cr). Point 2 Established history (11+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (17+ yrs). Oldest track record among peers (21 yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (16+ yrs). Established history (12+ yrs). Point 3 Not Rated. Rating: 2★ (lower mid). Top rated. Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). Rating: 2★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Rating: 4★ (upper mid). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 12.34% (top quartile). 1Y return: 11.79% (top quartile). 1Y return: 8.76% (upper mid). 1Y return: 8.05% (upper mid). 1Y return: 7.77% (upper mid). 1Y return: 7.58% (lower mid). 1Y return: 7.33% (lower mid). 1Y return: 7.24% (bottom quartile). 1Y return: 6.99% (bottom quartile). 1Y return: 6.92% (bottom quartile). Point 6 1M return: 1.87% (upper mid). 1M return: 0.28% (bottom quartile). 1M return: 2.01% (top quartile). 1M return: 1.60% (lower mid). 1M return: 4.24% (top quartile). 1M return: 1.53% (bottom quartile). 1M return: 1.84% (upper mid). 1M return: 1.87% (upper mid). 1M return: 1.58% (bottom quartile). 1M return: 1.69% (lower mid). Point 7 Sharpe: 1.60 (top quartile). Sharpe: 0.99 (top quartile). Sharpe: 0.70 (upper mid). Sharpe: 0.95 (upper mid). Sharpe: -0.90 (bottom quartile). Sharpe: 0.69 (upper mid). Sharpe: 0.42 (lower mid). Sharpe: -0.04 (bottom quartile). Sharpe: 0.01 (lower mid). Sharpe: -0.11 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 8.40% (bottom quartile). Yield to maturity (debt): 4.19% (bottom quartile). Yield to maturity (debt): 8.49% (lower mid). Yield to maturity (debt): 8.93% (upper mid). Yield to maturity (debt): 7.60% (bottom quartile). Yield to maturity (debt): 9.12% (top quartile). Yield to maturity (debt): 8.70% (upper mid). Yield to maturity (debt): 8.57% (lower mid). Yield to maturity (debt): 8.95% (top quartile). Yield to maturity (debt): 8.80% (upper mid). Point 10 Modified duration: 1.87 yrs (top quartile). Modified duration: 0.47 yrs (top quartile). Modified duration: 2.85 yrs (bottom quartile). Modified duration: 2.04 yrs (upper mid). Modified duration: 10.96 yrs (bottom quartile). Modified duration: 2.03 yrs (upper mid). Modified duration: 2.06 yrs (lower mid). Modified duration: 3.24 yrs (bottom quartile). Modified duration: 1.93 yrs (upper mid). Modified duration: 2.23 yrs (lower mid). Aditya Birla Sun Life Credit Risk Fund
Sundaram Low Duration Fund
Aditya Birla Sun Life Medium Term Plan
ICICI Prudential Regular Savings Fund
Bandhan Government Securities Fund - Investment Plan
Nippon India Credit Risk Fund
SBI Credit Risk Fund
ICICI Prudential Medium Term Bond Fund
Kotak Credit Risk Fund
HDFC Credit Risk Debt Fund
*Fund Mentioned having Fund Size (AUM) above 500 crore.
(Erstwhile Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on (Erstwhile Sundaram Ultra Short Term Fund) To provide a level of income consistent with liquidity
through investments made primarily in money market and
debt securities. Research Highlights for Sundaram Low Duration Fund Below is the key information for Sundaram Low Duration Fund Returns up to 1 year are on 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. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Government Securities Fund - Investment Plan Below is the key information for Bandhan Government Securities Fund - Investment Plan Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on (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 Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Corporate 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. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on (Erstwhile Kotak Income Opportunities Fund) The investment objective of the scheme is to generate income by investing in debt/ and money market securities across the yield curve and credit spectrum. The scheme will also seek to maintain reasonable liquidity within the fund. Research Highlights for Kotak Credit Risk Fund Below is the key information for Kotak Credit Risk Fund Returns up to 1 year are on (Erstwhile HDFC Corporate Debt Opportunities Fund) To generate regular income and capital appreciation by investing predominantly in corporate debt. Research Highlights for HDFC Credit Risk Debt Fund Below is the key information for HDFC Credit Risk Debt Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (01 Jul 26) ₹25.1515 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹1,391 on 31 May 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.6 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 8.4% Effective Maturity 2 Years 6 Months Modified Duration 1 Year 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,394 30 Jun 23 ₹11,402 30 Jun 24 ₹12,282 30 Jun 25 ₹14,326 30 Jun 26 ₹16,109 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.9% 3 Month 3.1% 6 Month 7.8% 1 Year 12.3% 3 Year 12.2% 5 Year 10% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.4% 2023 11.9% 2022 6.9% 2021 7.1% 2020 6.4% 2019 9.4% 2018 2.1% 2017 6.6% 2016 8.1% 2015 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 11.13 Yr. Mohit Sharma 6 Aug 20 5.82 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 12.27% Equity 6.79% Debt 80.27% Other 0.67% Debt Sector Allocation
Sector Value Corporate 57.84% Government 22.43% Cash Equivalent 12.27% Credit Quality
Rating Value A 20.97% AA 52.14% AAA 26.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -4% ₹54 Cr 5,200 6.48% Govt Stock 2035
Sovereign Bonds | -4% ₹54 Cr 5,615,800
↑ 1,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹50 Cr 5,000
↑ 2,500 Jubilant Bevco Limited
Debentures | -3% ₹43 Cr 4,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹34 Cr 3,500 Hinduja Leyland Finance Limited
Debentures | -2% ₹34 Cr 3,500 Kogta Financial (India) Limited
Debentures | -2% ₹32 Cr 3,250 GAursons India Private Limited
Debentures | -2% ₹32 Cr 3,200 Jtpm Metal TRaders Limited
Debentures | -2% ₹30 Cr 2,877 Vedanta Limited
Debentures | -2% ₹30 Cr 3,000 2. Sundaram Low Duration Fund
Sundaram Low Duration Fund
Growth Launch Date 23 Apr 07 NAV (31 Dec 21) ₹28.8391 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹550 on 30 Nov 21 Category Debt - Low Duration AMC Sundaram Asset Management Company Ltd Rating ☆☆ Risk Moderately Low Expense Ratio 0.86 Sharpe Ratio 0.99 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 4.19% Effective Maturity 8 Months 1 Day Modified Duration 5 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 Returns for Sundaram Low Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 0.3% 3 Month 1% 6 Month 10.2% 1 Year 11.8% 3 Year 5% 5 Year 5.7% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Sundaram Low Duration Fund
Name Since Tenure Data below for Sundaram Low Duration Fund as on 30 Nov 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (01 Jul 26) ₹43.5093 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹3,127 on 31 May 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 0.7 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 8.49% Effective Maturity 3 Years 10 Months 10 Days Modified Duration 2 Years 10 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,728 30 Jun 23 ₹13,320 30 Jun 24 ₹14,287 30 Jun 25 ₹16,274 30 Jun 26 ₹17,721 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 2% 3 Month 3% 6 Month 5.4% 1 Year 8.8% 3 Year 10% 5 Year 12.1% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 2023 10.5% 2022 6.9% 2021 24.8% 2020 7.1% 2019 8.1% 2018 -4.4% 2017 5.6% 2016 7% 2015 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.75 Yr. Mohit Sharma 6 Aug 20 5.82 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 May 26
Asset Allocation
Asset Class Value Cash 3.63% Equity 4.19% Debt 91.69% Other 0.5% Debt Sector Allocation
Sector Value Corporate 58.56% Government 33.13% Cash Equivalent 3.63% Credit Quality
Rating Value A 15.68% AA 38.39% AAA 45.93% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹193 Cr 19,196,700
↓ -2,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -6% ₹187 Cr 19,500,000
↑ 5,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹124 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹112 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹107 Cr 11,000 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹83 Cr 8,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹80 Cr 7,673 Jubilant Bevco Limited
Debentures | -3% ₹80 Cr 7,400 Kogta Financial (India) Limited
Debentures | -2% ₹72 Cr 7,250 4. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (01 Jul 26) ₹34.4345 ↑ 0.03 (0.10 %) Net Assets (Cr) ₹6,005 on 31 May 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 0.95 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.93% Effective Maturity 3 Years 1 Month 10 Days Modified Duration 2 Years 14 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,446 30 Jun 23 ₹11,169 30 Jun 24 ₹12,039 30 Jun 25 ₹13,186 30 Jun 26 ₹14,248 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.6% 3 Month 2.9% 6 Month 3.7% 1 Year 8.1% 3 Year 8.5% 5 Year 7.4% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.5% 2023 8.5% 2022 7.2% 2021 5.1% 2020 6.2% 2019 9.8% 2018 9.5% 2017 6.6% 2016 6.8% 2015 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.57 Yr. Akhil Kakkar 22 Jan 24 2.36 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 10.02% Equity 8.86% Debt 80.73% Other 0.39% Debt Sector Allocation
Sector Value Corporate 70.2% Government 16.83% Cash Equivalent 3.72% Credit Quality
Rating Value A 14.99% AA 56.69% AAA 28.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹240 Cr 5,689,951 Vedanta Limited
Debentures | -3% ₹200 Cr 20,000 Keystone Realtors Limited
Debentures | -3% ₹198 Cr 23,500 Adani Enterprises Limited
Debentures | -3% ₹198 Cr 20,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹189 Cr 18,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Nirma Limited
Debentures | -3% ₹150 Cr 15,000 Hiranandani Financial Services Private Limited
Debentures | -2% ₹148 Cr 15,000
↑ 15,000 6.48% Govt Stock 2035
Sovereign Bonds | -2% ₹144 Cr 15,000,000 Sis Limited
Debentures | -2% ₹125 Cr 12,500 5. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (01 Jul 26) ₹37.866 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,794 on 31 May 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.13 Sharpe Ratio -0.9 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.6% Effective Maturity 32 Years 1 Month 28 Days Modified Duration 10 Years 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,066 30 Jun 23 ₹10,772 30 Jun 24 ₹11,818 30 Jun 25 ₹12,546 30 Jun 26 ₹13,565 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 4.2% 3 Month 6.5% 6 Month 7% 1 Year 7.8% 3 Year 8% 5 Year 6.3% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 3.7% 2023 10.6% 2022 6.8% 2021 1.4% 2020 2.1% 2019 13.7% 2018 13.3% 2017 7.8% 2016 3.1% 2015 13.9% Fund Manager information for Bandhan Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 15.64 Yr. Brijesh Shah 10 Jun 24 1.97 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 31 May 26
Asset Allocation
Asset Class Value Cash 80.17% Debt 19.83% Debt Sector Allocation
Sector Value Cash Equivalent 80.17% Government 19.83% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -15% ₹279 Cr 31,000,000
↓ -60,000,000 6.68% Govt Stock 2040
Sovereign Bonds | -5% ₹86 Cr 9,100,000
↓ -106,400,000 Triparty Repo Trp_180526
CBLO/Reverse Repo | -80% ₹1,469 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹4 Cr Net Current Assets
Net Current Assets | -0% ₹3 Cr 6. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (01 Jul 26) ₹37.7292 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹1,410 on 31 May 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 0.69 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 9.12% Effective Maturity 2 Years 5 Months 5 Days Modified Duration 2 Years 11 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹11,038 30 Jun 23 ₹11,871 30 Jun 24 ₹12,772 30 Jun 25 ₹13,989 30 Jun 26 ₹15,057 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.5% 3 Month 2.7% 6 Month 3.9% 1 Year 7.6% 3 Year 8.3% 5 Year 8.5% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 8.3% 2022 7.9% 2021 3.9% 2020 13.5% 2019 -5.9% 2018 1.9% 2017 6.1% 2016 7% 2015 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 8.02 Yr. Sushil Budhia 1 Feb 20 6.33 Yr. Amber Singhania 11 Mar 26 0.22 Yr. Data below for Nippon India Credit Risk Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 8.58% Debt 91.2% Other 0.22% Debt Sector Allocation
Sector Value Corporate 76.01% Government 18.63% Cash Equivalent 5.14% Credit Quality
Rating Value A 20.8% AA 37.6% AAA 41.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -6% ₹75 Cr 7,500,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹54 Cr 5,500 Delhi International Airport Limited
Debentures | -4% ₹50 Cr 5,000 Mindspace Business Parks Reit
Debentures | -4% ₹49 Cr 5,000 HDFC Bank Ltd.
Debentures | -3% ₹47 Cr 1,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -3% ₹46 Cr 5,000 Muthoot Fincorp Limited
Debentures | -3% ₹45 Cr 45,000 TRuhome Finance Limited
Debentures | -3% ₹40 Cr 4,000 Navi Finserv Limited
Debentures | -3% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -3% ₹40 Cr 4,000 7. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (01 Jul 26) ₹49.0886 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,142 on 31 May 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.42 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 8.7% Effective Maturity 2 Years 8 Months 23 Days Modified Duration 2 Years 22 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,374 30 Jun 23 ₹11,229 30 Jun 24 ₹12,063 30 Jun 25 ₹13,114 30 Jun 26 ₹14,085 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.8% 3 Month 2.9% 6 Month 4.2% 1 Year 7.3% 3 Year 7.9% 5 Year 7.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 8.1% 2022 8.3% 2021 4.2% 2020 5% 2019 9.8% 2018 6.5% 2017 6.2% 2016 6.9% 2015 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 9.33 Yr. Data below for SBI Credit Risk Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 7.68% Equity 4.95% Debt 86.98% Other 0.39% Debt Sector Allocation
Sector Value Corporate 62.72% Government 21.24% Cash Equivalent 7.68% Securitized 3.02% Credit Quality
Rating Value A 14.1% AA 58.22% AAA 27.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infopark Properties Limited
Debentures | -5% ₹105 Cr 10,500 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹101 Cr 11,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 H.G. Infra Engineering Limited
Debentures | -5% ₹99 Cr 10,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹94 Cr 9,000 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹94 Cr 10,000,000
↑ 10,000,000 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 | -4% ₹75 Cr 7,500 Motilal Oswal Home Finance Limited
Debentures | -3% ₹75 Cr 7,500 8. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (01 Jul 26) ₹48.2244 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹5,429 on 31 May 26 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio -0.04 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.57% Effective Maturity 6 Years 2 Months 5 Days Modified Duration 3 Years 2 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,313 30 Jun 23 ₹11,089 30 Jun 24 ₹11,863 30 Jun 25 ₹12,989 30 Jun 26 ₹13,936 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.9% 3 Month 3.1% 6 Month 3.5% 1 Year 7.2% 3 Year 7.9% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9% 2023 8% 2022 7% 2021 4.2% 2020 5.5% 2019 10.4% 2018 9.2% 2017 5.1% 2016 6.5% 2015 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.57 Yr. Akhil Kakkar 22 Jan 24 2.36 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 5.46% Equity 8.99% Debt 85.2% Other 0.35% Debt Sector Allocation
Sector Value Corporate 64.66% Government 21.4% Cash Equivalent 4.6% Credit Quality
Rating Value AA 61.72% AAA 38.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹201 Cr 4,765,556 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹179 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹173 Cr 17,500 Vedanta Limited
Debentures | -3% ₹170 Cr 17,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹158 Cr 17,500,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹157 Cr 15,000 TATA Projects Limited
Debentures | -3% ₹150 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹149 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹148 Cr 150 Godrej Properties Limited
Debentures | -2% ₹126 Cr 12,500 9. Kotak Credit Risk Fund
Kotak Credit Risk Fund
Growth Launch Date 11 May 10 NAV (01 Jul 26) ₹31.5837 ↑ 0.04 (0.11 %) Net Assets (Cr) ₹761 on 31 May 26 Category Debt - Credit Risk AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.71 Sharpe Ratio 0.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.95% Effective Maturity 2 Years 11 Months 5 Days Modified Duration 1 Year 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,086 30 Jun 23 ₹10,630 30 Jun 24 ₹11,494 30 Jun 25 ₹12,405 30 Jun 26 ₹13,272 Returns for Kotak Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.6% 3 Month 2.5% 6 Month 3.2% 1 Year 7% 3 Year 7.7% 5 Year 5.8% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.1% 2023 7.1% 2022 6.4% 2021 0.9% 2020 5.3% 2019 6.6% 2018 9% 2017 6.2% 2016 6.6% 2015 10.4% Fund Manager information for Kotak Credit Risk Fund
Name Since Tenure Deepak Agrawal 11 May 10 16.07 Yr. Vihag Mishra 24 Oct 25 0.6 Yr. Data below for Kotak Credit Risk Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 13.38% Equity 8.68% Debt 77.4% Other 0.55% Debt Sector Allocation
Sector Value Corporate 61.8% Government 15.6% Cash Equivalent 13.38% Credit Quality
Rating Value A 11.66% AA 61.92% AAA 26.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -7% ₹54 Cr 500 Vedanta Limited
Debentures | -7% ₹50 Cr 5,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -7% ₹50 Cr 5,000 TATA Projects Limited
Debentures | -7% ₹50 Cr 5,000 Aditya Birla Real Estate Limited
Debentures | -6% ₹45 Cr 4,500 Karnataka State Development Loans
Sovereign Bonds | -6% ₹44 Cr 4,500,000 Aditya Birla Renewables Limited
Debentures | -5% ₹40 Cr 4,000 Au Small Finance Bank Limited
Debentures | -4% ₹30 Cr 30 Indus Infra Trust Unit (Financial Services)
Equity, Since 15 Nov 25 | 5441374% ₹27 Cr 2,136,170 National Bank For Agriculture And Rural Development
Debentures | -3% ₹25 Cr 2,500 10. HDFC Credit Risk Debt Fund
HDFC Credit Risk Debt Fund
Growth Launch Date 25 Mar 14 NAV (01 Jul 26) ₹25.7797 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹7,523 on 31 May 26 Category Debt - Credit Risk AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.51 Sharpe Ratio -0.11 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL) Yield to Maturity 8.8% Effective Maturity 3 Years 5 Months 23 Days Modified Duration 2 Years 2 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,332 30 Jun 23 ₹11,048 30 Jun 24 ₹11,830 30 Jun 25 ₹12,884 30 Jun 26 ₹13,784 Returns for HDFC Credit Risk Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 26 Duration Returns 1 Month 1.7% 3 Month 2.8% 6 Month 3.7% 1 Year 6.9% 3 Year 7.7% 5 Year 6.6% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 8.2% 2022 6.6% 2021 3.7% 2020 7% 2019 10.9% 2018 8.6% 2017 5.4% 2016 6.6% 2015 11% Fund Manager information for HDFC Credit Risk Debt Fund
Name Since Tenure Praveen Jain 7 Mar 26 0.23 Yr. Dhruv Muchhal 22 Jun 23 2.94 Yr. Bhavyesh Divecha 7 Mar 26 0.23 Yr. Data below for HDFC Credit Risk Debt Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 9.42% Equity 3.52% Debt 85.53% Other 1.53% Debt Sector Allocation
Sector Value Corporate 74.02% Government 14.42% Cash Equivalent 6.5% Credit Quality
Rating Value A 12.24% AA 56.96% AAA 30.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity GMR Airports Limited
Debentures | -5% ₹364 Cr 35,000 TATA Projects Limited
Debentures | -3% ₹250 Cr 25,000 The Tata Power Company Limited
Debentures | -3% ₹225 Cr 2,190 Jubilant Beverages Limited
Debentures | -3% ₹208 Cr 19,190 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹201 Cr 20,000 Kalpataru Projects International Limited
Debentures | -3% ₹199 Cr 20,000 SK Finance Limited
Debentures | -3% ₹199 Cr 20,000 Jubilant Bevco Limited
Debentures | -3% ₹193 Cr 17,750 Nirma Limited
Debentures | -2% ₹175 Cr 17,500 JSW Energy Limited
Debentures | -2% ₹174 Cr 17,500
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