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5 Best Performing Intermediate Debt Funds SIP Investment 2022

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Best Intermediate Debt Funds for SIP Investment 2022

Updated on August 4, 2022 , 711 views

Intermediate Bonds also known as medium term funds are a type of debt Mutual Funds that invest in debt securities with a time horizon of up to 3 years or more. The average maturity period of mid-term funds is longer than liquid, ultra-short and short-term Debt fund. In recent times, medium funds have delivered the best returns due to successive rate cuts in India. These funds are less sensitive to interest rates, and therefore are less volatile, than the longer duration funds like Gilt Funds. For best results, investors are advised to invest in the best intermediate debt funds via a SIP. Investors can choose top performing scheme from the below pre-listed top rated mid-term debt funds.

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SIP

Top 5 Best Performing Intermediate or Mid Term Debt Funds to Invest in SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2021 (%)
Aditya Birla Sun Life Medium Term Plan Growth ₹30.649
↓ -0.08
₹1,416 1,000 1721.623.89.57.67.1
Axis Strategic Bond Fund Growth ₹22.4252
↓ -0.08
₹1,682 1,000 1.61.73.66.86.65.2
Nippon India Strategic Debt Fund Growth ₹12.5267
↓ -0.01
₹190 100 0.80.41.4-3.5-1.717.4
Kotak Medium Term Fund Growth ₹18.3822
↓ -0.03
₹1,915 1,000 1.21.23.265.74.7
HDFC Medium Term Debt Fund Growth ₹45.6785
↓ -0.10
₹3,612 300 1.612.66.26.35
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 22

1. Aditya Birla Sun Life Medium Term Plan

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.

Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.7% since its launch.  Ranked 6 in Medium term Bond category.  Return for 2021 was 7.1% , 2020 was 8.1% and 2019 was -4.4% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan
Growth
Launch Date 25 Mar 09
NAV (05 Aug 22) ₹30.649 ↓ -0.08   (-0.24 %)
Net Assets (Cr) ₹1,416 on 30 Jun 22
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.3
Sharpe Ratio 0.84
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 8.04%
Effective Maturity 3 Years 11 Months 16 Days
Modified Duration 2 Years 9 Months

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,514
31 Jul 19₹10,982
31 Jul 20₹10,634
31 Jul 21₹11,637
31 Jul 22₹14,424

Aditya Birla Sun Life Medium Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 16.1%
3 Month 17%
6 Month 21.6%
1 Year 23.8%
3 Year 9.5%
5 Year 7.6%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
2021 7.1%
2020 8.1%
2019 -4.4%
2018 5.6%
2017 7%
2016 10.9%
2015 9.5%
2014 12%
2013 10.2%
2012 11.1%
Fund Manager information for Aditya Birla Sun Life Medium Term Plan
NameSinceTenure
Sunaina Cunha1 Sep 147.92 Yr.
Mohit Sharma6 Aug 201.99 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash3.93%
Equity2.26%
Debt93.81%
Debt Sector Allocation
SectorValue
Corporate74.4%
Government19.4%
Cash Equivalent3.93%
Credit Quality
RatingValue
A4.39%
AA48.67%
AAA37.02%
Below B9.92%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
10%₹164 Cr17,500,000
↑ 2,500,000
Shriram City Union Finance Limited
Debentures | -
6%₹102 Cr1,000
Bajaj Housing Finance Limited
Debentures | -
3%₹50 Cr500
↑ 500
Mahindra Rural Housing Finance Limited
Debentures | -
3%₹50 Cr500
U.P. Power Corporation Limited
Debentures | -
3%₹47 Cr938
Tata Realty And Infrastructure Limited
Debentures | -
3%₹47 Cr480
Bharti Hexacom Limited
Debentures | -
3%₹47 Cr480
JM Financial Credit Solutions Limited
Debentures | -
3%₹44 Cr440
Gic Housing Finance Limited
Debentures | -
2%₹40 Cr400
Bharti Hexacom Limited
Debentures | -
2%₹39 Cr400

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Axis Strategic Bond Fund is a Debt - Medium term Bond fund was launched on 28 Mar 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch.  Ranked 7 in Medium term Bond category.  Return for 2021 was 5.2% , 2020 was 10.5% and 2019 was 7.1% .

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund
Growth
Launch Date 28 Mar 12
NAV (05 Aug 22) ₹22.4252 ↓ -0.08   (-0.34 %)
Net Assets (Cr) ₹1,682 on 30 Jun 22
Category Debt - Medium term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.05
Sharpe Ratio -0.32
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 7.44%
Effective Maturity 3 Years 6 Months 14 Days
Modified Duration 2 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,541
31 Jul 19₹11,278
31 Jul 20₹12,422
31 Jul 21₹13,264
31 Jul 22₹13,755

Axis Strategic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.8%
3 Month 1.6%
6 Month 1.7%
1 Year 3.6%
3 Year 6.8%
5 Year 6.6%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2021 5.2%
2020 10.5%
2019 7.1%
2018 6.7%
2017 7.5%
2016 11.6%
2015 6.8%
2014 15%
2013 4.7%
2012
Fund Manager information for Axis Strategic Bond Fund
NameSinceTenure
Devang Shah5 Nov 129.74 Yr.
Kaustubh Sule9 Nov 210.72 Yr.

Data below for Axis Strategic Bond Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash14.55%
Debt85.45%
Debt Sector Allocation
SectorValue
Government44.71%
Corporate43.11%
Cash Equivalent10.78%
Securitized1.39%
Credit Quality
RatingValue
A8.38%
AA33.14%
AAA58.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
13%₹216 Cr23,000,000
↑ 3,500,000
7.38% Govt Stock 2027
Sovereign Bonds | -
13%₹212 Cr21,000,000
↑ 12,000,000
5.53% Govt Stock 2033
Sovereign Bonds | -
5%₹83 Cr8,500,000
7.17% Govt Stock 2028
Sovereign Bonds | -
5%₹80 Cr8,000,000
Pune Solapur Expressways Pvt. Ltd
Debentures | -
2%₹37 Cr400
Telesonic Networks Limited
Debentures | -
2%₹30 Cr300
Dlf Cyber City Developers Ltd
Debentures | -
2%₹29 Cr300
JM Financial Credit Solutions Limited
Debentures | -
2%₹27 Cr265
Muthoot Finance Limited
Debentures | -
2%₹25 Cr250
Housing Development Finance Corporation Ltd
Debentures | -
1%₹25 Cr250

3. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic 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. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Nippon India Strategic Debt Fund is a Debt - Medium term Bond fund was launched on 26 Jun 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 2.8% since its launch.  Ranked 7 in Medium term Bond category.  Return for 2021 was 17.4% , 2020 was -23.5% and 2019 was -3.4% .

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund
Growth
Launch Date 26 Jun 14
NAV (05 Aug 22) ₹12.5267 ↓ -0.01   (-0.10 %)
Net Assets (Cr) ₹190 on 30 Jun 22
Category Debt - Medium term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.7
Sharpe Ratio 0.81
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 6.25%
Effective Maturity 2 Years 4 Months 6 Days
Modified Duration 1 Year 11 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,385
31 Jul 19₹10,252
31 Jul 20₹7,713
31 Jul 21₹9,071
31 Jul 22₹9,203

Nippon India Strategic Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%

Returns for Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.4%
3 Month 0.8%
6 Month 0.4%
1 Year 1.4%
3 Year -3.5%
5 Year -1.7%
10 Year
15 Year
Since launch 2.8%
Historical performance (Yearly) on absolute basis
YearReturns
2021 17.4%
2020 -23.5%
2019 -3.4%
2018 4.7%
2017 6.9%
2016 11.1%
2015 9%
2014
2013
2012
Fund Manager information for Nippon India Strategic Debt Fund
NameSinceTenure
Kinjal Desai25 May 184.19 Yr.
Sushil Budhia1 Feb 202.5 Yr.

Data below for Nippon India Strategic Debt Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Corporate60.68%
Cash Equivalent25.92%
Government13.41%
Credit Quality
RatingValue
AA43.07%
AAA56.93%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Summit Digitel Infrastructure Private Limited
Debentures | -
8%₹14 Cr150
Piramal Capital & Housing Finance Limited
Debentures | -
6%₹11 Cr135,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
6%₹10 Cr100
07.89 GJ Sdl 2025
Sovereign Bonds | -
5%₹10 Cr1,000,000
U.P. Power Corporation Limited
Debentures | -
5%₹10 Cr100
Rec Limited
Debentures | -
5%₹10 Cr100
India Grid TRust
Debentures | -
5%₹10 Cr100
Bharti Hexacom Limited
Debentures | -
5%₹10 Cr100
Godrej Industries Limited
Debentures | -
5%₹10 Cr100
Indinfravit TRust
Debentures | -
5%₹10 Cr100

4. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Kotak Medium Term Fund is a Debt - Medium term Bond fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 10 in Medium term Bond category.  Return for 2021 was 4.7% , 2020 was 8.5% and 2019 was 7% .

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund
Growth
Launch Date 25 Mar 14
NAV (05 Aug 22) ₹18.3822 ↓ -0.03   (-0.18 %)
Net Assets (Cr) ₹1,915 on 30 Jun 22
Category Debt - Medium term Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.56
Sharpe Ratio -0.47
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity 7.7%
Effective Maturity 5 Years 1 Month 17 Days
Modified Duration 2 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,469
31 Jul 19₹11,071
31 Jul 20₹11,961
31 Jul 21₹12,777
31 Jul 22₹13,178

Kotak Medium Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.8%
3 Month 1.2%
6 Month 1.2%
1 Year 3.2%
3 Year 6%
5 Year 5.7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2021 4.7%
2020 8.5%
2019 7%
2018 5.4%
2017 6.6%
2016 10.9%
2015 9.3%
2014
2013
2012
Fund Manager information for Kotak Medium Term Fund
NameSinceTenure
Deepak Agrawal25 Mar 148.36 Yr.

Data below for Kotak Medium Term Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash3.26%
Equity4.42%
Debt92.32%
Debt Sector Allocation
SectorValue
Corporate49.67%
Government39.65%
Cash Equivalent3.26%
Securitized3%
Credit Quality
RatingValue
A6.34%
AA22.47%
AAA71.19%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.53% Govt Stock 2033
Sovereign Bonds | -
12%₹223 Cr22,687,493
Power Finance Corporation Ltd.
Debentures | -
6%₹111 Cr1,070
LIC Housing Finance Limited
Debentures | -
5%₹100 Cr1,000
4.81% Govt Stock 2031
Sovereign Bonds | -
5%₹98 Cr10,000,000
Embassy Office Parks Reit
Debentures | -
5%₹97 Cr1,000
Bharti Telecom Limited
Debentures | -
5%₹97 Cr1,000
LIC Housing Finance Limited
Debentures | -
5%₹97 Cr1,000
Sikka Ports & Terminals Limited
Debentures | -
5%₹97 Cr1,000
Shriram Transport Finance Company Limited
Debentures | -
5%₹87 Cr850
Punjab National Bank
Debentures | -
4%₹70 Cr690

5. HDFC Medium Term Debt Fund

(Erstwhile HDFC High Interest Fund - Short Term Plan)

To generate income by investing in a range of debt and money market instruments of various maturity dates with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. The objective is to cater to the needs of investors with shorter term investment horizons and to provide stable returns over shorter periods.

HDFC Medium Term Debt Fund is a Debt - Medium term Bond fund was launched on 6 Feb 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 22 in Medium term Bond category.  Return for 2021 was 5% , 2020 was 10% and 2019 was 9.1% .

Below is the key information for HDFC Medium Term Debt Fund

HDFC Medium Term Debt Fund
Growth
Launch Date 6 Feb 02
NAV (05 Aug 22) ₹45.6785 ↓ -0.10   (-0.23 %)
Net Assets (Cr) ₹3,612 on 30 Jun 22
Category Debt - Medium term Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.31
Sharpe Ratio -0.86
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 7.89%
Effective Maturity 4 Years 1 Month 20 Days
Modified Duration 2 Years 10 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,419
31 Jul 19₹11,359
31 Jul 20₹12,348
31 Jul 21₹13,235
31 Jul 22₹13,580

HDFC Medium Term Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Medium Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.9%
3 Month 1.6%
6 Month 1%
1 Year 2.6%
3 Year 6.2%
5 Year 6.3%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2021 5%
2020 10%
2019 9.1%
2018 5.6%
2017 5.5%
2016 11.5%
2015 7.4%
2014 11.2%
2013 7%
2012 9.8%
Fund Manager information for HDFC Medium Term Debt Fund
NameSinceTenure
Shobhit Mehrotra1 Sep 0714.93 Yr.
Sankalp Baid22 Jan 211.52 Yr.

Data below for HDFC Medium Term Debt Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash5.69%
Debt94.31%
Debt Sector Allocation
SectorValue
Corporate52.84%
Government41.47%
Cash Equivalent5.69%
Credit Quality
RatingValue
A0.73%
AA30.39%
AAA68.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.97% Govt Stock 2026
Sovereign Bonds | -
6%₹219 Cr22,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -
5%₹173 Cr17,000,000
7.27% Govt Stock 2026
Sovereign Bonds | -
4%₹136 Cr13,500,000
Green Infra Wind Energy Limited
Debentures | -
3%₹112 Cr1,250
National Bank For Agriculture And Rural Development
Debentures | -
3%₹97 Cr1,000
Jamnagar Utilities & Power Private Limited
Debentures | -
3%₹95 Cr1,000
6.54% Govt Stock 2032
Sovereign Bonds | -
3%₹94 Cr10,000,000
Sikka Ports & Terminals Limited
Debentures | -
3%₹92 Cr950
6.1% Govt Stock 2031
Sovereign Bonds | -
3%₹91 Cr10,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹87 Cr900

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