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8 Best Hybrid Balanced Mutual Funds 2019
Hybrid Funds are also commonly known as Balanced Fund. Hybrid funds are a type of Mutual Funds that invest in both equity and debt mutual fund. In other words, this fund acts as a combination of both debt and equity, where about 65% of the portfolio is dedicated to equities and the rest to fixed income instruments.
Hybrid funds are a great option for the investors who fear of Investing in Equity Funds. This fund will reduce the risk portion and also help in gaining optimal returns over the time. To earn the best possible profits, investors are advised to invest in best hybrid mutual funds or best balanced funds. Thus, to make the process of investing easy for you, we have shortlisted some of the top performing hybrid funds to invest in 2019 - 2020 in article below.
Why Invest in Hybrid or Balanced Mutual Funds?
Hybrid funds help in balancing the portfolio. As the fund invests in both stocks and Bonds, investors can easily create a balanced portfolio by investing in a balanced mutual fund. This scheme also provides diversification benefits. Diversification helps in generating stable returns; so that if one fund underperforms, others can stabilise the portfolio. This will reduce the overall risk of the portfolio.
Hybrid or balanced funds are also a gateway for those who want to begin their equity investments. This will help in gaining optimal returns within a short to mid tenure. This will also prevent the larger downfall of equity from the ever-changing market conditions. Moreover, hybrid funds carry a moderate level of risk, whereas equity funds have a high level of investment risk.
Ideally, hybrid funds can be a good investment option for investors who want to invest in Mutual Funds. These funds have the best of both worlds: the advantages of equities while gaining the benefits of a fixed income investment. Thus, investors can choose the above listed best hybrid mutual funds and earn good profits by investing in the scheme.
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Top 8 Hybrid Mutual Funds for Investments in FY 19 - 20
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) ICICI Prudential MIP 25 Growth ₹43.1189
↑ 0.06 ₹1,642 0.6 3.9 6 8 9.6 5.1 SBI Debt Hybrid Fund Growth ₹39.5452
↑ 0.03 ₹1,140 0.1 3.3 3.8 4.8 7.9 -0.2 Aditya Birla Sun Life Regular Savings Fund Growth ₹38.9842
↑ 0.01 ₹2,060 -0.3 3 -0.7 5 8.9 -2.2 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹707.67
↑ 1.41 ₹11,790 -5.2 -0.9 -8.7 3.8 8.1 -5 Principal Hybrid Equity Fund Growth ₹71.26
↑ 0.41 ₹1,600 -7.1 -3.2 -9.3 7.9 9 -1.5 HDFC Hybrid Debt Fund Growth ₹45.5608
↑ 0.14 ₹2,993 -0.3 3.3 4.2 5.4 7.3 0.6 Kotak Debt Hybrid Fund Growth ₹31.3126
↑ 0.05 ₹252 0.9 4.8 3.9 5.8 8.1 -0.1 HDFC Balanced Advantage Fund Growth ₹188.872
↑ 2.91 ₹37,850 2.9 -1.2 3.1 16.6 15.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Aug 19
Hybrid / Balanced Mutual Funds Basics
1. Understanding Balanced Funds
In India, Balance funds typically invest 65% of their portfolio in stocks/equity/shares and the remainder of their resources in bonds and other debt instruments like corporate bond/ Government Bonds/ Infrastrcuture Bonds. So balanced funds are usually equity-oriented hybrid funds. They serve as a suitable option for first-time investors who have low-risk appetite. They are for investors who do not want to take on risky options but still want capital appreciation. Also there are Debt oriented hybrid/balanced funds having 65% and 35% Equity.
2. Types of Hybrid Mutual Funds
Based on recent (Mar - Apr 2018) categorization of Mutual funds by SEBI. Types of hybrid fund as follows.
| Type | Details |
|---|---|
| Hybrid Equity | 65% Equity 35% Debt |
| Hybrid Debt | 65% Debt 35% Equity |
| Arbitrage | 100% Equity Arbitrage |
| Dynamic Allocation | Dynamic Allocaiton based on valuations |
| Equity Savings | arbitrage opportunities, investment in equity / equity related instruments and debt / money market instruments |
| Multi Asset | Multiple Asset like floating rate and fixed rate debt instruments, equity, money market instruments and derivatives |
| Balanced Hybrid | 50% Equity 50% Debt |
3. Advantages of Balanced Funds
Balance funds provide a convenience of diversification in form of a single docket of a mutual fund. An investor thus needs to go through the hassle of analyzing and selecting a bouquet of funds. A professionally trained and experienced fund manager does this job for the investor. A calculated combination of debt and equity components makes the funds less vulnerable to market volatility. The equity components of the fund are aimed at generating capital appreciation and their debt components serve as securities to shield the investment from unforeseen market corrections.
4. Disadvantages of Balanced Funds
While it might seem that balanced funds are virtually risk-free, it is not entirely the case. Balanced funds have their own share of risk. While in case of a direct investment across a number of stocks and debt instruments, one can relocate the resources among different funds as diversification for Tax Planning or wealth creation. However, in balance funds, since the decision of resource allocation is with the fund manager, customized diversification is not possible.
5. Better risk-based returns
Balanced funds have given better risk-adjusted returns in the long run compared to equity returns. A comparison is given below is based on certain assumption which might change time to time in future.
| Fund Category | 5-year rolling return | Risk-based Std. deviation |
|---|---|---|
| Balanced Funds | 13.20% | 2.9 |
| Large cap funds | 12.90% | 3.47 |
| mid-cap and Large cap funds | 13.96% | 3.82 |
| Diversified Funds | 14.91% | 3.96 |
The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. ICICI Prudential MIP 25 is a Hybrid - Hybrid Debt fund was launched on 30 Mar 04. It is a fund with Moderately High risk and has given a Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on (Erstwhile SBI Magnum Monthly Income Plan) To provide regular income, liquidity and attractive returns to the investors
through an actively managed portfolio of debt, equity and money market
instruments. Income may be generated through the receipt of coupon payments,
the amortization of the discount on the debt instruments, receipt of dividends or
purchase and sale of securities in the underlying portfolio. SBI Debt Hybrid Fund is a Hybrid - Hybrid Debt fund was launched on 9 Apr 01. It is a fund with Moderate risk and has given a Below is the key information for SBI Debt Hybrid Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan) An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Aditya Birla Sun Life Regular Savings Fund is a Hybrid - Hybrid Debt fund was launched on 22 May 04. It is a fund with Moderately High risk and has given a Below is the key information for Aditya Birla Sun Life Regular Savings Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Balanced 95 Fund) An Open ended Balanced Scheme with the objective to generate long term growth of capital and current income, through a portfolio with a target allocation of 60% equity and 40% debt and money market securities. The secondary objective is income generation and distribution of dividend. Aditya Birla Sun Life Equity Hybrid 95 Fund is a Hybrid - Hybrid Equity fund was launched on 10 Feb 95. It is a fund with Moderately High risk and has given a Below is the key information for Aditya Birla Sun Life Equity Hybrid 95 Fund Returns up to 1 year are on (Erstwhile Principal Balanced Fund) Aims to generate long term capital appreciation and current income by investing in a portfolio of equity, equity related securities and fixed income securities. Principal Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 14 Jan 00. It is a fund with Moderately High risk and has given a Below is the key information for Principal Hybrid Equity Fund Returns up to 1 year are on (Erstwhile HDFC MF Monthly Income Plan - LTP) The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. HDFC Hybrid Debt Fund is a Hybrid - Hybrid Debt fund was launched on 26 Dec 03. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Hybrid Debt Fund Returns up to 1 year are on (Erstwhile Kotak Monthly Income Plan) To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. Kotak Debt Hybrid Fund is a Hybrid - Hybrid Debt fund was launched on 2 Dec 03. It is a fund with Moderate risk and has given a Below is the key information for Kotak Debt Hybrid Fund Returns up to 1 year are on (Erstwhile HDFC Growth Fund and HDFC Prudence Fund) Aims to generate long term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. HDFC Balanced Advantage Fund is a Hybrid - Dynamic Allocation fund was launched on 11 Sep 00. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Balanced Advantage Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
CAGR/Annualized return of 10% since its launch. Ranked 2 in Hybrid Debt category. Return for 2018 was 5.1% , 2017 was 12.9% and 2016 was 10.9% . ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (23 Aug 19) ₹43.1189 ↑ 0.06 (0.15 %) Net Assets (Cr) ₹1,642 on 31 Jul 19 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.28 Sharpe Ratio 0.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,487 31 Jul 16 ₹12,671 31 Jul 17 ₹14,327 31 Jul 18 ₹15,027 31 Jul 19 ₹16,028 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -0.4% 3 Month 0.6% 6 Month 3.9% 1 Year 6% 3 Year 8% 5 Year 9.6% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2018 5.1% 2017 12.9% 2016 10.9% 2015 6.4% 2014 22.5% 2013 5.9% 2012 17.3% 2011 -0.6% 2010 9% 2009 22.5% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Rajat Chandak 17 Feb 15 4.2 Yr. Manish Banthia 19 Sep 13 5.62 Yr. Akhil Kakkar 30 Jun 17 1.83 Yr. Priyanka Khandelwal 15 Jun 17 1.88 Yr. Data below for ICICI Prudential MIP 25 as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 15.93% Equity 15.67% Debt 68.37% Other 0.04% Equity Sector Allocation
Sector Value Financial Services 4.23% Consumer Cyclical 3.66% Consumer Defensive 1.67% Industrials 1.41% Basic Materials 1.24% Health Care 0.91% Energy 0.52% Debt Sector Allocation
Sector Value Corporate 62.1% Cash Equivalent 15.93% Government 4.44% Securitized 1.83% Credit Quality
Rating Value A 18.64% AA 40.82% AAA 35.54% BBB 5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Housing And Urban Development Corporation Ltd.
Debentures | -7% ₹107 Cr 1,000 Aqua Space Developers Pvt. Ltd.
Debentures | -6% ₹100 Cr 1,000 Essar Oil Limited
Debentures | -6% ₹100 Cr 100 Talwandi Sabo Power Limited
Debentures | -6% ₹97 Cr 1,000 Tata Value Homes Limited
Debentures | -5% ₹75 Cr 750 Tata Steel Limited
Debentures | -5% ₹74 Cr 490 Prestige Estates Projects Limited
Debentures | -5% ₹74 Cr 750 IDBI Bank Limited
Debentures | -4% ₹68 Cr 694 ICICI Bank Limited
Debentures | -4% ₹65 Cr 650 Jindal Steel & Power Limited
Debentures | -4% ₹65 Cr 650 2. SBI Debt Hybrid Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 5 in Hybrid Debt category. Return for 2018 was -0.2% , 2017 was 8.5% and 2016 was 12.5% . SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (23 Aug 19) ₹39.5452 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹1,140 on 31 Jul 19 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 2.4 Sharpe Ratio 0.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,510 31 Jul 16 ₹12,784 31 Jul 17 ₹14,213 31 Jul 18 ₹14,286 31 Jul 19 ₹14,831 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -0.2% 3 Month 0.1% 6 Month 3.3% 1 Year 3.8% 3 Year 4.8% 5 Year 7.9% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2018 -0.2% 2017 8.5% 2016 12.5% 2015 8.2% 2014 18% 2013 4.1% 2012 15.4% 2011 1.1% 2010 7.5% 2009 5.9% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Dinesh Ahuja 1 Jul 11 7.84 Yr. Ruchit Mehta 1 Jul 11 7.84 Yr. Data below for SBI Debt Hybrid Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 1.88% Equity 24.13% Debt 73.99% Equity Sector Allocation
Sector Value Financial Services 7.66% Consumer Cyclical 5.23% Industrials 4.33% Consumer Defensive 2.42% Technology 2.29% Basic Materials 1.48% Communication Services 0.72% Debt Sector Allocation
Sector Value Corporate 57.41% Government 16.58% Cash Equivalent 1.88% Credit Quality
Rating Value A 4.77% AA 31.44% AAA 62.75% BBB 1.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank Of India
Debentures | -9% ₹105 Cr 1,000 7.26% Govt Stock 2029
Sovereign Bonds | -8% ₹96 Cr 9,000,000
↑ 6,500,000 National Highways Authority Of India
Debentures | -6% ₹63 Cr 600 ICICI Bank Limited
Debentures | -4% ₹50 Cr 500 Muthoot Finance Limited
Debentures | -3% ₹40 Cr 400,000 Hindalco Industries Limited
Debentures | -3% ₹37 Cr 360 GOVT STOCK
Sovereign Bonds | -3% ₹36 Cr 3,500,000 Power Finance Corporation Ltd.
Debentures | -3% ₹35 Cr 350 Syndicate Bank
Debentures | -3% ₹30 Cr 300 Credila Financial Services Private Limited
Debentures | -3% ₹30 Cr 300 3. Aditya Birla Sun Life Regular Savings Fund
CAGR/Annualized return of 9.3% since its launch. Ranked 4 in Hybrid Debt category. Return for 2018 was -2.2% , 2017 was 15.5% and 2016 was 13.1% . Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (23 Aug 19) ₹38.9842 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,060 on 31 Jul 19 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.24 Sharpe Ratio -0.45 Information Ratio -0.85 Alpha Ratio -11.3 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,938 31 Jul 16 ₹13,406 31 Jul 17 ₹15,361 31 Jul 18 ₹15,574 31 Jul 19 ₹15,646 Returns for Aditya Birla Sun Life Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -0.6% 3 Month -0.3% 6 Month 3% 1 Year -0.7% 3 Year 5% 5 Year 8.9% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2018 -2.2% 2017 15.5% 2016 13.1% 2015 5.4% 2014 27.7% 2013 6.7% 2012 16.7% 2011 -0.6% 2010 7.6% 2009 20.9% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Satyabrata Mohanty 18 Jun 09 9.87 Yr. Vineet Maloo 26 Aug 15 3.68 Yr. Pranay Sinha 26 Aug 15 3.68 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 18.89% Equity 25.04% Debt 56.07% Equity Sector Allocation
Sector Value Financial Services 10.8% Industrials 4.77% Consumer Cyclical 2.32% Basic Materials 2.04% Technology 1.73% Energy 1.7% Health Care 1.47% Utility 0.22% Debt Sector Allocation
Sector Value Corporate 42.63% Cash Equivalent 18.89% Government 12.49% Securitized 0.95% Credit Quality
Rating Value A 19.36% AA 27.62% AAA 50.53% B 0.18% Below B 2.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Limited
CBLO | -11% ₹227 Cr Fullerton India Credit Company Ltd
Debentures | -5% ₹100 Cr 1,000 U.P. Power Corporation Limited
Debentures | -5% ₹96 Cr 1,007 PNB Housing Finance Ltd
Debentures | -4% ₹75 Cr 750 Indiabulls Housing Finance Limited
Debentures | -3% ₹67 Cr 500 Rural Electrification Corporation Limited
Debentures | -3% ₹63 Cr 600 7.17% Govt Stock 2028
Sovereign Bonds | -3% ₹52 Cr 5,045,400
↑ 2,500,000 SP Imperial Star Private Limited
Unlisted bonds | -3% ₹52 Cr 40 HDB Financial Services Limited
Debentures | -2% ₹50 Cr 500 Idea Cellular Limited
Debentures | -2% ₹46 Cr 500 4. Aditya Birla Sun Life Equity Hybrid 95 Fund
CAGR/Annualized return of 19% since its launch. Ranked 3 in Hybrid Equity category. Return for 2018 was -5% , 2017 was 25.9% and 2016 was 8.9% . Aditya Birla Sun Life Equity Hybrid 95 Fund
Growth Launch Date 10 Feb 95 NAV (23 Aug 19) ₹707.67 ↑ 1.41 (0.20 %) Net Assets (Cr) ₹11,790 on 31 Jul 19 Category Hybrid - Hybrid Equity AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.41 Sharpe Ratio -0.63 Information Ratio -1.44 Alpha Ratio -6.52 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹12,314 31 Jul 16 ₹13,485 31 Jul 17 ₹15,681 31 Jul 18 ₹16,336 31 Jul 19 ₹15,575 Returns for Aditya Birla Sun Life Equity Hybrid 95 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -3.4% 3 Month -5.2% 6 Month -0.9% 1 Year -8.7% 3 Year 3.8% 5 Year 8.1% 10 Year 15 Year Since launch 19% Historical performance (Yearly) on absolute basis
Year Returns 2018 -5% 2017 25.9% 2016 8.9% 2015 3.4% 2014 48.6% 2013 6.1% 2012 24.6% 2011 -13.9% 2010 19.7% 2009 70.2% Fund Manager information for Aditya Birla Sun Life Equity Hybrid 95 Fund
Name Since Tenure Mahesh Patil 15 Jan 14 5.38 Yr. Pranay Sinha 26 Aug 15 3.76 Yr. Dhaval Shah 23 Nov 16 2.52 Yr. Data below for Aditya Birla Sun Life Equity Hybrid 95 Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 6.23% Equity 74.59% Debt 19.18% Equity Sector Allocation
Sector Value Financial Services 26.53% Consumer Cyclical 8.48% Industrials 7.34% Technology 7.09% Basic Materials 6.64% Consumer Defensive 6.41% Health Care 5.89% Energy 4.08% Utility 2.12% Debt Sector Allocation
Sector Value Corporate 14.76% Cash Equivalent 6.23% Government 4.3% Securitized 0.13% Credit Quality
Rating Value A 28.38% AA 21.5% AAA 49.54% Below B 0.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | HDFCBANK8% ₹885 Cr 3,931,879
↓ -384,750 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 13 | ICICIBANK7% ₹800 Cr 18,846,458 Infosys Ltd (Technology)
Equity, Since 31 May 11 | INFY4% ₹485 Cr 6,116,652
↓ -277,000 Clearing Corporation Of India Limited
CBLO | -4% ₹423 Cr State Bank of India (Financial Services)
Equity, Since 30 Jun 16 | SBIN3% ₹343 Cr 10,338,700 Idea Cellular Limited
Debentures | -3% ₹315 Cr 3,450 ITC Ltd (Consumer Defensive)
Equity, Since 30 Nov 14 | ITC2% ₹275 Cr 10,182,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT2% ₹258 Cr 1,860,680 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE2% ₹243 Cr 2,080,000 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | INDUSINDBK2% ₹230 Cr 1,627,877
↓ -427,354,699 5. Principal Hybrid Equity Fund
CAGR/Annualized return of 10.5% since its launch. Ranked 1 in Hybrid Equity category. Return for 2018 was -1.5% , 2017 was 36.3% and 2016 was 10.1% . Principal Hybrid Equity Fund
Growth Launch Date 14 Jan 00 NAV (23 Aug 19) ₹71.26 ↑ 0.41 (0.58 %) Net Assets (Cr) ₹1,600 on 31 Jul 19 Category Hybrid - Hybrid Equity AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.78 Sharpe Ratio -0.73 Information Ratio 0.19 Alpha Ratio -6.92 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,558 31 Jul 16 ₹12,312 31 Jul 17 ₹15,439 31 Jul 18 ₹17,111 31 Jul 19 ₹16,289 Returns for Principal Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -4.1% 3 Month -7.1% 6 Month -3.2% 1 Year -9.3% 3 Year 7.9% 5 Year 9% 10 Year 15 Year Since launch 10.5% Historical performance (Yearly) on absolute basis
Year Returns 2018 -1.5% 2017 36.3% 2016 10.1% 2015 3.1% 2014 34.9% 2013 7.2% 2012 34.2% 2011 -22% 2010 10.2% 2009 64% Fund Manager information for Principal Hybrid Equity Fund
Name Since Tenure Bekxy Kuriakose 21 Mar 16 3.36 Yr. Ravi Gopalakrishnan 29 Jul 19 0.01 Yr. Data below for Principal Hybrid Equity Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 13.89% Equity 71.02% Debt 15.08% Equity Sector Allocation
Sector Value Financial Services 24.12% Consumer Defensive 10.65% Basic Materials 9.51% Technology 7.77% Industrials 5.26% Utility 4.35% Energy 3.53% Consumer Cyclical 2.33% Communication Services 1.8% Health Care 1.7% Debt Sector Allocation
Sector Value Cash Equivalent 13.89% Corporate 8.87% Government 6.22% Credit Quality
Rating Value A 0.52% AA 12.6% AAA 83.72% Below B 3.16% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps 01-Aug-2019
CBLO/Reverse Repo | -11% ₹174 Cr HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK4% ₹68 Cr 304,203 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK4% ₹64 Cr 1,517,976 Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 07 | RELIANCE4% ₹56 Cr 484,300 Infosys Ltd (Technology)
Equity, Since 30 Sep 17 | INFY3% ₹53 Cr 673,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 11 | SBIN3% ₹48 Cr 1,437,306 ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC3% ₹42 Cr 1,569,532 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK3% ₹42 Cr 278,716 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 14 | TCS3% ₹41 Cr 187,518 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jan 18 | HDFC2% ₹35 Cr 165,000 6. HDFC Hybrid Debt Fund
CAGR/Annualized return of 10.2% since its launch. Ranked 16 in Hybrid Debt category. Return for 2018 was 0.6% , 2017 was 10.8% and 2016 was 13% . HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (23 Aug 19) ₹45.5608 ↑ 0.14 (0.31 %) Net Assets (Cr) ₹2,993 on 31 Jul 19 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.06 Sharpe Ratio 0.51 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,226 31 Jul 16 ₹12,277 31 Jul 17 ₹13,894 31 Jul 18 ₹13,781 31 Jul 19 ₹14,661 Returns for HDFC Hybrid Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -1.7% 3 Month -0.3% 6 Month 3.3% 1 Year 4.2% 3 Year 5.4% 5 Year 7.3% 10 Year 15 Year Since launch 10.2% Historical performance (Yearly) on absolute basis
Year Returns 2018 0.6% 2017 10.8% 2016 13% 2015 3.8% 2014 24.9% 2013 3.6% 2012 15.6% 2011 -0.8% 2010 10.8% 2009 30.7% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 11.84 Yr. Prashant Jain 26 Dec 03 15.52 Yr. Amar Kalkundrikar 10 Jan 19 0.47 Yr. Data below for HDFC Hybrid Debt Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 3.24% Equity 23.74% Debt 73.02% Equity Sector Allocation
Sector Value Financial Services 9.34% Technology 3.74% Industrials 2.96% Basic Materials 2.77% Utility 2.46% Energy 1.47% Health Care 0.73% Consumer Defensive 0.28% Consumer Cyclical 0% Debt Sector Allocation
Sector Value Corporate 48.99% Government 23.22% Cash Equivalent 3.24% Securitized 0.81% Credit Quality
Rating Value A 9.45% AA 16.8% AAA 72.76% BBB 0.05% Below B 0.93% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2029
Sovereign Bonds | -4% ₹133 Cr 12,500,000
↑ 6,000,000 POWER FINANCE CORPORATION LIMITED
Debentures | -3% ₹103 Cr 1,000 Tata Capital Financial Services Limited
Debentures | -3% ₹100 Cr 1,000 Reliance Industries Limited
Debentures | -3% ₹99 Cr 1,000 Punjab National Bank
Debentures | -2% ₹72 Cr 750 State Bank Of India
Debentures | -2% ₹71 Cr 704 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK2% ₹68 Cr 1,599,000 Infosys Ltd (Technology)
Equity, Since 31 Aug 11 | INFY2% ₹68 Cr 851,648 7.35% Govt Stock 2024
Sovereign Bonds | -2% ₹68 Cr 6,500,000
↓ -1,000,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 09 | SBIN2% ₹67 Cr 2,003,710 7. Kotak Debt Hybrid Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 9 in Hybrid Debt category. Return for 2018 was -0.1% , 2017 was 10.2% and 2016 was 13% . Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (23 Aug 19) ₹31.3126 ↑ 0.05 (0.16 %) Net Assets (Cr) ₹252 on 31 Jul 19 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 2.65 Sharpe Ratio 0.33 Information Ratio -0.85 Alpha Ratio -6.25 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,236 31 Jul 16 ₹12,496 31 Jul 17 ₹13,910 31 Jul 18 ₹14,231 31 Jul 19 ₹14,983 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month -0.6% 3 Month 0.9% 6 Month 4.8% 1 Year 3.9% 3 Year 5.8% 5 Year 8.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2018 -0.1% 2017 10.2% 2016 13% 2015 5.4% 2014 19.7% 2013 4.9% 2012 15.3% 2011 0.9% 2010 6.6% 2009 10.2% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 15 Apr 08 10.96 Yr. Devender Singhal 25 Aug 15 3.6 Yr. Data below for Kotak Debt Hybrid Fund as on 31 Jul 19
Asset Allocation
Asset Class Value Cash 15.71% Equity 23.93% Debt 60.36% Equity Sector Allocation
Sector Value Financial Services 7.58% Consumer Defensive 4.38% Consumer Cyclical 3.27% Technology 2.16% Basic Materials 2.06% Industrials 1.7% Energy 1% Utility 0.89% Health Care 0.32% Real Estate 0.09% Debt Sector Allocation
Sector Value Corporate 27.29% Government 26.63% Cash Equivalent 15.71% Securitized 6.44% Credit Quality
Rating Value A 16.87% AA 2.48% AAA 80.65% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -15% ₹37 Cr POWER FINANCE CORPORATION LIMITED
Debentures | -8% ₹20 Cr 200 RELIABLE DEVICES TRUST
Unlisted bonds | -6% ₹16 Cr 150 8.39% RJ SDL Spl 2023
Domestic Bonds | -6% ₹16 Cr 1,500,000
↑ 1,500,000 SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Debentures | -6% ₹15 Cr 150 Punjab and Sind Bank
Debentures | -6% ₹15 Cr 150 7.26% Govt Stock 2029
Sovereign Bonds | -4% ₹11 Cr 1,000,000
↓ -2,000,000 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -4% ₹11 Cr 100 United Bank Of India
Debentures | -4% ₹11 Cr 110 Rural Electrification Corporation Limited
Debentures | -4% ₹10 Cr 100 8. HDFC Balanced Advantage Fund
CAGR/Annualized return of 17.2% since its launch. Ranked 23 in Dynamic Allocation category. . HDFC Balanced Advantage Fund
Growth Launch Date 11 Sep 00 NAV (05 Mar 19) ₹188.872 ↑ 2.91 (1.56 %) Net Assets (Cr) ₹37,850 on 31 Jul 18 Category Hybrid - Dynamic Allocation AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.53 Sharpe Ratio 0.27 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 14 ₹10,000 31 Jul 15 ₹11,434 31 Jul 16 ₹11,952 31 Jul 17 ₹14,630 Returns for HDFC Balanced Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Aug 19 Duration Returns 1 Month 2.6% 3 Month 2.9% 6 Month -1.2% 1 Year 3.1% 3 Year 16.6% 5 Year 15.5% 10 Year 15 Year Since launch 17.2% Historical performance (Yearly) on absolute basis
Year Returns 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for HDFC Balanced Advantage Fund
Name Since Tenure Data below for HDFC Balanced Advantage Fund as on 31 Jul 18
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
Tax Implications
All the mutual funds with an equity exposure of 65% or more on an average are treated as equity asset class for taxation purpose. So the short-term capital gains meaning the gains booked with one year of the equity-oriented balance are taxed at 15%. If these funds are held for a period more than 12 months, their long-term capital gains are taxed at 10% if the gains booked exceed Rs. 1 lakh (as per the latest budget of 2018).
For debt oriented Hybrid Funds tax is 20% with indexation benefit as any other debt instrument if holding is for 3 years or above. Short term is taxed at marginal rate of tax (as per tax slab).
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