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8 Best Hybrid Balanced Mutual Funds 2020
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 2020 - 2021 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 20 - 21
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) ICICI Prudential MIP 25 Growth ₹45.5659
↓ -0.01 ₹1,710 3 5.3 9.8 8.7 8.5 9.6 SBI Debt Hybrid Fund Growth ₹41.5568
↑ 0.05 ₹1,068 1.7 4.9 8.8 5.1 7 8.1 Aditya Birla Sun Life Regular Savings Fund Growth ₹40.0667
↓ -0.02 ₹1,787 0.2 1.9 5.5 4.9 6.7 5.8 Aditya Birla Sun Life Equity Hybrid 95 Fund Growth ₹764.76
↓ -2.78 ₹10,512 2.3 4.1 5.2 6.6 6.2 4.8 Principal Hybrid Equity Fund Growth ₹77.45
↓ -0.22 ₹1,428 3.6 4.1 3.3 10.2 8.6 2.1 DSP BlackRock Equity and Bond Fund Growth ₹165.932
↓ -0.36 ₹6,279 3.7 11.8 16.8 10.4 9 14.2 SBI Equity Hybrid Fund Growth ₹146.781
↓ -0.26 ₹31,620 4.2 8.4 15 12.6 9.2 13.5 Kotak Debt Hybrid Fund Growth ₹33.323
↑ 0.02 ₹264 2.9 5.7 11.5 6.5 7.5 11.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Jan 20
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 Seeks to generate long term capital appreciation and current income from a portfolio constituted of equity and equity related securities as well as fixed income securities. DSP BlackRock Equity and Bond Fund is a Hybrid - Hybrid Equity fund was launched on 27 May 99. It is a fund with Moderately High risk and has given a Below is the key information for DSP BlackRock Equity and Bond Fund Returns up to 1 year are on (Erstwhile SBI Magnum Balanced Fund) To provide investors long term capital appreciation along with the liquidity of open-ended scheme by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in a relatively safe portfolio of debt. SBI Equity Hybrid Fund is a Hybrid - Hybrid Equity fund was launched on 19 Jan 05. It is a fund with Moderately High risk and has given a Below is the key information for SBI Equity Hybrid 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 1. ICICI Prudential MIP 25
CAGR/Annualized return of 10.1% since its launch. Ranked 2 in Hybrid Debt category. Return for 2019 was 9.6% , 2018 was 5.1% and 2017 was 12.9% . ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (22 Jan 20) ₹45.5659 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,710 on 31 Dec 19 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.99 Sharpe Ratio 1.91 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 Dec 14 ₹10,000 31 Dec 15 ₹10,642 31 Dec 16 ₹11,805 31 Dec 17 ₹13,330 31 Dec 18 ₹14,007 31 Dec 19 ₹15,347 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20 Duration Returns 1 Month 0.6% 3 Month 3% 6 Month 5.3% 1 Year 9.8% 3 Year 8.7% 5 Year 8.5% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2018 9.6% 2017 5.1% 2016 12.9% 2015 10.9% 2014 6.4% 2013 22.5% 2012 5.9% 2011 17.3% 2010 -0.6% 2009 9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Rajat Chandak 17 Feb 15 4.87 Yr. Manish Banthia 19 Sep 13 6.29 Yr. Priyanka Khandelwal 15 Jun 17 2.55 Yr. Data below for ICICI Prudential MIP 25 as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 4.72% Equity 19.29% Debt 75.97% Other 0.03% Equity Sector Allocation
Sector Value Financial Services 5.46% Consumer Cyclical 3.7% Consumer Defensive 1.97% Industrials 1.25% Communication Services 1.05% Basic Materials 0.82% Energy 0.75% Technology 0.55% Health Care 0.54% Debt Sector Allocation
Sector Value Corporate 62.31% Government 13.66% Cash Equivalent 4.72% Credit Quality
Rating Value A 20.98% AA 51.72% AAA 27.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity Housing And Urban Development Corporation Ltd.
Debentures | -6% ₹107 Cr 1,000 Essar Oil Limited
Debentures | -6% ₹101 Cr 100 Aqua Space Developers Pvt. Ltd.
Debentures | -6% ₹100 Cr 1,000 Talwandi Sabo Power Limited
Debentures | -6% ₹99 Cr 1,000 MUTHOOT FINANCE LIMITED
Debentures | -5% ₹90 Cr 900 Tata Steel Limited
Debentures | -5% ₹78 Cr 490 Prestige Estates Projects Limited
Debentures | -4% ₹74 Cr 750 TMF HOLDINGS LIMITED
Debentures | -4% ₹71 Cr 700 Treps
CBLO/Reverse Repo | -4% ₹71 Cr IDBI Bank Limited
Debentures | -4% ₹66 Cr 694 2. SBI Debt Hybrid Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 5 in Hybrid Debt category. Return for 2019 was 8.1% , 2018 was -0.2% and 2017 was 8.5% . SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (22 Jan 20) ₹41.5568 ↑ 0.05 (0.11 %) Net Assets (Cr) ₹1,068 on 31 Dec 19 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.96 Sharpe Ratio 0.96 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 Dec 14 ₹10,000 31 Dec 15 ₹10,820 31 Dec 16 ₹12,173 31 Dec 17 ₹13,206 31 Dec 18 ₹13,174 31 Dec 19 ₹14,246 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20 Duration Returns 1 Month 1% 3 Month 1.7% 6 Month 4.9% 1 Year 8.8% 3 Year 5.1% 5 Year 7% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2018 8.1% 2017 -0.2% 2016 8.5% 2015 12.5% 2014 8.2% 2013 18% 2012 4.1% 2011 15.4% 2010 1.1% 2009 7.5% 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 Dec 19
Asset Allocation
Asset Class Value Cash 4% Equity 25.43% Debt 70.57% Equity Sector Allocation
Sector Value Financial Services 8.27% Consumer Cyclical 5.98% Industrials 3.23% Consumer Defensive 2.48% Technology 2.15% Basic Materials 1.71% Communication Services 1.62% Debt Sector Allocation
Sector Value Corporate 44.55% Government 26.01% Cash Equivalent 4% Credit Quality
Rating Value A 5.38% AA 30.27% AAA 64.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2029
Sovereign Bonds | -12% ₹125 Cr 12,000,000
↑ 8,500,000 State Bank Of India
Debentures | -10% ₹107 Cr 1,000 ICICI Bank Limited
Debentures | -5% ₹51 Cr 500 6.79% Govt Stock 2029
Sovereign Bonds | -5% ₹50 Cr 5,000,000 Tata Motors Limited (Earlier Tata Engineering And Locomotive Co. Ltd)
Debentures | -4% ₹38 Cr 370
↑ 370 POWER FINANCE CORPORATION LIMITED
Debentures | -3% ₹37 Cr 350 The Tata Power Company Limited
Debentures | -3% ₹35 Cr 350
↑ 350 GOVT STOCK
Sovereign Bonds | -3% ₹31 Cr 3,000,000 Syndicate Bank
Debentures | -3% ₹31 Cr 300 Tmf Holdings Limited
Debentures | -3% ₹30 Cr 300
↑ 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 2019 was 5.8% , 2018 was -2.2% and 2017 was 15.5% . Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (22 Jan 20) ₹40.0667 ↓ -0.02 (-0.04 %) Net Assets (Cr) ₹1,787 on 31 Dec 19 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.82 Sharpe Ratio 0.64 Information Ratio -0.65 Alpha Ratio -3.84 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 Dec 14 ₹10,000 31 Dec 15 ₹10,540 31 Dec 16 ₹11,922 31 Dec 17 ₹13,773 31 Dec 18 ₹13,475 31 Dec 19 ₹14,260 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 22 Jan 20 Duration Returns 1 Month -0.7% 3 Month 0.2% 6 Month 1.9% 1 Year 5.5% 3 Year 4.9% 5 Year 6.7% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2018 5.8% 2017 -2.2% 2016 15.5% 2015 13.1% 2014 5.4% 2013 27.7% 2012 6.7% 2011 16.7% 2010 -0.6% 2009 7.6% 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 Dec 19
Asset Allocation
Asset Class Value Cash 18.15% Equity 26.62% Debt 55.24% Equity Sector Allocation
Sector Value Financial Services 10.35% Industrials 5.24% Basic Materials 2.61% Energy 2.14% Health Care 2% Consumer Cyclical 1.91% Communication Services 1.15% Technology 0.89% Consumer Defensive 0.33% Debt Sector Allocation
Sector Value Corporate 45.1% Government 14.16% Cash Equivalent 14.12% Credit Quality
Rating Value A 17.53% AA 20.62% AAA 56.58% BBB 2.88% Below B 2.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Limited
CBLO | -8% ₹157 Cr Fullerton India Credit Company Ltd
Debentures | -5% ₹100 Cr 1,000 U.P. Power Corporation Limited
Debentures | -5% ₹95 Cr 1,007 Rural Electrification Corporation Limited
Debentures | -3% ₹64 Cr 600 7.17% Govt Stock 2028
Sovereign Bonds | -3% ₹57 Cr 5,545,400 SP Imperial Star Private Limited
Unlisted bonds | -3% ₹54 Cr 40 HDB Financial Services Limited
Debentures | -3% ₹50 Cr 500 6.35% Govt Stock 2020
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↑ 5,000,000 AXIS BANK LIMITED
Certificate of Deposit | -3% ₹49 Cr 5,000 Net Receivables / (Payables)
Net Current Assets | -2% ₹45 Cr 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 2019 was 4.8% , 2018 was -5% and 2017 was 25.9% . Aditya Birla Sun Life Equity Hybrid 95 Fund
Growth Launch Date 10 Feb 95 NAV (22 Jan 20) ₹764.76 ↓ -2.78 (-0.36 %) Net Assets (Cr) ₹10,512 on 31 Dec 19 Category Hybrid - Hybrid Equity AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.11 Sharpe Ratio 0.19 Information Ratio -1.45 Alpha Ratio -6.69 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 Dec 14 ₹10,000 31 Dec 15 ₹10,336 31 Dec 16 ₹11,252 31 Dec 17 ₹14,168 31 Dec 18 ₹13,461 31 Dec 19 ₹14,100 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 22 Jan 20 Duration Returns 1 Month -0.4% 3 Month 2.3% 6 Month 4.1% 1 Year 5.2% 3 Year 6.6% 5 Year 6.2% 10 Year 15 Year Since launch 19% Historical performance (Yearly) on absolute basis
Year Returns 2018 4.8% 2017 -5% 2016 25.9% 2015 8.9% 2014 3.4% 2013 48.6% 2012 6.1% 2011 24.6% 2010 -13.9% 2009 19.7% 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 Dec 19
Asset Allocation
Asset Class Value Cash 7.99% Equity 77.55% Debt 14.46% Equity Sector Allocation
Sector Value Financial Services 28.15% Technology 8.25% Industrials 8.07% Health Care 7.69% Basic Materials 7% Consumer Cyclical 5.13% Consumer Defensive 4.98% Energy 4.83% Communication Services 1.95% Utility 1.49% Debt Sector Allocation
Sector Value Corporate 11.13% Cash Equivalent 7.99% Government 3.32% Credit Quality
Rating Value A 17% AA 27.89% AAA 41.15% BBB 13.18% Below B 0.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | HDFCBANK8% ₹865 Cr 6,783,884
↓ -300,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 13 | ICICIBANK6% ₹691 Cr 13,472,759
↓ -2,160,000 Clearing Corporation Of India Limited
CBLO | -5% ₹514 Cr Infosys Ltd (Technology)
Equity, Since 31 May 11 | INFY4% ₹449 Cr 6,452,652
↑ 36,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE3% ₹323 Cr 2,080,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT3% ₹296 Cr 2,225,571 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jan 19 | HDFC2% ₹260 Cr 1,133,883 State Bank of India (Financial Services)
Equity, Since 30 Jun 16 | SBIN2% ₹257 Cr 7,513,774
↓ -1,000,000 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | 5322152% ₹254 Cr 3,434,118 Whirlpool of India Ltd (Technology)
Equity, Since 31 Jul 10 | 5002382% ₹239 Cr 1,116,237 5. Principal Hybrid Equity Fund
CAGR/Annualized return of 10.8% since its launch. Ranked 1 in Hybrid Equity category. Return for 2019 was 2.1% , 2018 was -1.5% and 2017 was 36.3% . Principal Hybrid Equity Fund
Growth Launch Date 14 Jan 00 NAV (22 Jan 20) ₹77.45 ↓ -0.22 (-0.28 %) Net Assets (Cr) ₹1,428 on 31 Dec 19 Category Hybrid - Hybrid Equity AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.26 Sharpe Ratio -0.09 Information Ratio -0.25 Alpha Ratio -9.06 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 Dec 14 ₹10,000 31 Dec 15 ₹10,305 31 Dec 16 ₹11,350 31 Dec 17 ₹15,470 31 Dec 18 ₹15,231 31 Dec 19 ₹15,557 Returns for Principal Hybrid Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20 Duration Returns 1 Month 0.4% 3 Month 3.6% 6 Month 4.1% 1 Year 3.3% 3 Year 10.2% 5 Year 8.6% 10 Year 15 Year Since launch 10.8% Historical performance (Yearly) on absolute basis
Year Returns 2018 2.1% 2017 -1.5% 2016 36.3% 2015 10.1% 2014 3.1% 2013 34.9% 2012 7.2% 2011 34.2% 2010 -22% 2009 10.2% Fund Manager information for Principal Hybrid Equity Fund
Name Since Tenure Bekxy Kuriakose 21 Mar 16 3.53 Yr. Ravi Gopalakrishnan 29 Jul 19 0.17 Yr. Ashish Aggarwal 14 Oct 19 0 Yr. Data below for Principal Hybrid Equity Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 10.75% Equity 74.6% Debt 14.65% Equity Sector Allocation
Sector Value Financial Services 28.9% Consumer Defensive 11.38% Technology 7.4% Energy 6.66% Basic Materials 5.72% Industrials 4.36% Utility 2.97% Consumer Cyclical 2.91% Communication Services 2.46% Health Care 1.83% Debt Sector Allocation
Sector Value Corporate 13.8% Government 7.52% Cash Equivalent 4.08% Credit Quality
Rating Value A 0.08% AA 10.21% AAA 88.48% Below B 1.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK6% ₹97 Cr 758,406 Reliance Industries Ltd (Energy)
Equity, Since 28 Feb 07 | RELIANCE6% ₹86 Cr 553,475
↑ 14,735 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK5% ₹78 Cr 1,517,976 State Bank of India (Financial Services)
Equity, Since 31 Oct 11 | SBIN3% ₹49 Cr 1,437,306 Infosys Ltd (Technology)
Equity, Since 30 Sep 17 | INFY3% ₹47 Cr 673,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK3% ₹45 Cr 278,716 ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC3% ₹39 Cr 1,569,532 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jan 18 | HDFC3% ₹38 Cr 165,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 14 | TCS2% ₹35 Cr 170,318 Marico Ltd (Consumer Defensive)
Equity, Since 31 Aug 18 | 5316422% ₹31 Cr 873,400 6. DSP BlackRock Equity and Bond Fund
CAGR/Annualized return of 14.6% since its launch. Ranked 9 in Hybrid Equity category. Return for 2019 was 14.2% , 2018 was -5.1% and 2017 was 27.6% . DSP BlackRock Equity and Bond Fund
Growth Launch Date 27 May 99 NAV (22 Jan 20) ₹165.932 ↓ -0.36 (-0.21 %) Net Assets (Cr) ₹6,279 on 31 Dec 19 Category Hybrid - Hybrid Equity AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.09 Sharpe Ratio 1.02 Information Ratio -0.14 Alpha Ratio 1.41 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,480 31 Dec 16 ₹11,345 31 Dec 17 ₹14,477 31 Dec 18 ₹13,735 31 Dec 19 ₹15,682 Returns for DSP BlackRock Equity and Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20 Duration Returns 1 Month 1.4% 3 Month 3.7% 6 Month 11.8% 1 Year 16.8% 3 Year 10.4% 5 Year 9% 10 Year 15 Year Since launch 14.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 14.2% 2017 -5.1% 2016 27.6% 2015 8.3% 2014 4.8% 2013 45% 2012 -0.4% 2011 26.3% 2010 -17% 2009 15.7% Fund Manager information for DSP BlackRock Equity and Bond Fund
Name Since Tenure Vikram Chopra 17 Jul 16 2.87 Yr. Atul Bhole 1 Jun 16 3 Yr. Data below for DSP BlackRock Equity and Bond Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 0.65% Equity 75.03% Debt 24.32% Equity Sector Allocation
Sector Value Financial Services 30.81% Basic Materials 8.34% Consumer Cyclical 7.68% Industrials 6.51% Health Care 6.16% Consumer Defensive 5.6% Technology 4.12% Energy 2.3% Real Estate 1.64% Communication Services 1.32% Utility 0.55% Debt Sector Allocation
Sector Value Government 15.22% Corporate 9.1% Cash Equivalent 0.65% Credit Quality
Rating Value AA 23.03% AAA 76.32% Below B 0.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 5000347% ₹433 Cr 1,062,834 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 15 | ICICIBANK6% ₹385 Cr 7,502,848
↓ -628,558 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 14 | HDFCBANK6% ₹373 Cr 2,929,088 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | KOTAKBANK3% ₹207 Cr 1,283,404 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 28 Feb 19 | 5006963% ₹162 Cr 795,713
↓ -145,996 HDFC Bank Limited
Debentures | -3% ₹159 Cr 1,495 Asian Paints Ltd (Basic Materials)
Equity, Since 30 Jun 16 | 5008202% ₹144 Cr 843,163
↓ -157,379 Tata Consultancy Services Ltd (Technology)
Equity, Since 28 Feb 18 | TCS2% ₹132 Cr 640,743 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 5322152% ₹131 Cr 1,776,611
↑ 174,800 Shree Cement Ltd (Basic Materials)
Equity, Since 31 May 16 | 5003872% ₹124 Cr 59,266 7. SBI Equity Hybrid Fund
CAGR/Annualized return of 15.4% since its launch. Ranked 10 in Hybrid Equity category. Return for 2019 was 13.5% , 2018 was -0.1% and 2017 was 27.7% . SBI Equity Hybrid Fund
Growth Launch Date 19 Jan 05 NAV (22 Jan 20) ₹146.781 ↓ -0.26 (-0.18 %) Net Assets (Cr) ₹31,620 on 31 Dec 19 Category Hybrid - Hybrid Equity AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.28 Sharpe Ratio 1.05 Information Ratio 0.38 Alpha Ratio 1.63 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 14 ₹10,000 31 Dec 15 ₹10,736 31 Dec 16 ₹11,132 31 Dec 17 ₹14,212 31 Dec 18 ₹14,203 31 Dec 19 ₹16,119 Returns for SBI Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20 Duration Returns 1 Month 0.9% 3 Month 4.2% 6 Month 8.4% 1 Year 15% 3 Year 12.6% 5 Year 9.2% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 13.5% 2017 -0.1% 2016 27.7% 2015 3.7% 2014 7.4% 2013 43.2% 2012 11.9% 2011 35% 2010 -22.2% 2009 12.5% Fund Manager information for SBI Equity Hybrid Fund
Name Since Tenure R. Srinivasan 1 Jan 12 7.33 Yr. Dinesh Ahuja 1 Jan 12 7.33 Yr. Data below for SBI Equity Hybrid Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 1.91% Equity 74.9% Debt 23.19% Equity Sector Allocation
Sector Value Financial Services 32.69% Consumer Cyclical 6.61% Industrials 6.45% Communication Services 5.58% Basic Materials 5.21% Energy 4.77% Technology 4.63% Health Care 3.96% Consumer Defensive 2.8% Utility 2.2% Debt Sector Allocation
Sector Value Corporate 14.27% Government 8.93% Cash Equivalent 1.91% Credit Quality
Rating Value A 10.26% AA 28.93% AAA 60.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 11 | HDFCBANK7% ₹2,295 Cr 18,000,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 17 | BHARTIARTL5% ₹1,454 Cr 32,855,223 State Bank of India (Financial Services)
Equity, Since 28 Feb 14 | SBIN4% ₹1,367 Cr 40,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 15 | KOTAKBANK4% ₹1,276 Cr 7,900,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5322154% ₹1,185 Cr 16,038,183 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 5000343% ₹1,019 Cr 2,500,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Apr 16 | DIVISLAB3% ₹981 Cr 5,494,031
↑ 473,490 Infosys Ltd (Technology)
Equity, Since 31 Dec 17 | INFY3% ₹926 Cr 13,300,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Jun 18 | 5005473% ₹786 Cr 15,358,612 ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | 5407162% ₹726 Cr 5,328,700 8. Kotak Debt Hybrid Fund
CAGR/Annualized return of 7.7% since its launch. Ranked 9 in Hybrid Debt category. Return for 2019 was 11.2% , 2018 was -0.1% and 2017 was 10.2% . Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (22 Jan 20) ₹33.323 ↑ 0.02 (0.07 %) Net Assets (Cr) ₹264 on 31 Dec 19 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 2.3 Sharpe Ratio 1.87 Information Ratio -0.6 Alpha Ratio 0.17 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 Dec 14 ₹10,000 31 Dec 15 ₹10,543 31 Dec 16 ₹11,909 31 Dec 17 ₹13,122 31 Dec 18 ₹13,107 31 Dec 19 ₹14,570 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 20 Duration Returns 1 Month 0.8% 3 Month 2.9% 6 Month 5.7% 1 Year 11.5% 3 Year 6.5% 5 Year 7.5% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 11.2% 2017 -0.1% 2016 10.2% 2015 13% 2014 5.4% 2013 19.7% 2012 4.9% 2011 15.3% 2010 0.9% 2009 6.6% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 15 Apr 08 11.63 Yr. Devender Singhal 25 Aug 15 4.27 Yr. Data below for Kotak Debt Hybrid Fund as on 31 Dec 19
Asset Allocation
Asset Class Value Cash 14.02% Equity 24.61% Debt 61.37% Equity Sector Allocation
Sector Value Financial Services 7.97% Consumer Defensive 4.65% Consumer Cyclical 3.07% Industrials 1.97% Communication Services 1.85% Basic Materials 1.62% Health Care 0.96% Technology 0.87% Utility 0.85% Energy 0.58% Real Estate 0.22% Debt Sector Allocation
Sector Value Government 49.79% Cash Equivalent 14.02% Corporate 11.58% Credit Quality
Rating Value A 9.47% AA 8.27% AAA 82.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity GOVT STOCK
Sovereign Bonds | -11% ₹30 Cr 2,900,000 Triparty Repo
CBLO/Reverse Repo | -11% ₹30 Cr GOVT STOCK
Sovereign Bonds | -8% ₹21 Cr 2,000,000
↑ 2,000,000 POWER FINANCE CORPORATION LIMITED
Debentures | -8% ₹21 Cr 200 RELIABLE DEVICES TRUST
Unlisted bonds | -6% ₹17 Cr 150 Punjab and Sind Bank
Debentures | -6% ₹15 Cr 150 INDIAN RAILWAY FINANCE CORPORATION LIMITED
Debentures | -6% ₹15 Cr 150 7.26% Govt Stock 2029
Sovereign Bonds | -4% ₹10 Cr 1,000,000
↑ 1,000,000 Shriram Transport Finance Company Limited
Debentures | -4% ₹10 Cr 100,000
↑ 100,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK3% ₹7 Cr 135,000
↓ -3,000
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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