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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 November 27, 2022 , 840 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 ₹31.344
↑ 0.01
₹1,613 1,000 1.519.224.5137.87.1
Axis Strategic Bond Fund Growth ₹22.8361
↑ 0.00
₹1,565 1,000 1.13.23.66.46.65.2
Nippon India Strategic Debt Fund Growth ₹12.728
↑ 0.00
₹181 100 1.22.22-2.9-1.617.4
SBI Magnum Medium Duration Fund Growth ₹42.0623
↑ 0.02
₹8,969 500 1.33.236.57.23.8
Kotak Medium Term Fund Growth ₹18.6893
↑ 0.01
₹1,923 1,000 0.92.52.85.35.74.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Nov 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 (30 Nov 22) ₹31.344 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹1,613 on 31 Oct 22
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.56
Sharpe Ratio 1.13
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 7.94%
Effective Maturity 3 Years 4 Months 20 Days
Modified Duration 2 Years 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 17₹10,000
30 Nov 18₹10,464
30 Nov 19₹10,066
30 Nov 20₹10,856
30 Nov 21₹11,671

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 30 Nov 22

DurationReturns
1 Month 0.9%
3 Month 1.5%
6 Month 19.2%
1 Year 24.5%
3 Year 13%
5 Year 7.8%
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 148.17 Yr.
Mohit Sharma6 Aug 202.24 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash26.31%
Equity2.24%
Debt71.46%
Debt Sector Allocation
SectorValue
Corporate50.6%
Government34.44%
Cash Equivalent12.73%
Credit Quality
RatingValue
A2.64%
AA40.38%
AAA56.98%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
11%₹173 Cr18,500,000
↓ -4,000,000
Shriram City Union Finance Limited
Debentures | -
6%₹101 Cr1,000
Mahindra Rural Housing Finance Limited
Debentures | -
3%₹50 Cr500
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
IRB InvIT Fund Units 2017-Series IV (Industrials)
Equity, Since 31 May 18 | 540526
2%₹36 Cr5,820,000
Indusind Bank Limited
Debentures | -
2%₹36 Cr354
8.15% Govt Stock 2026
Sovereign Bonds | -
2%₹36 Cr3,500,000

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% 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 (30 Nov 22) ₹22.8361 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹1,565 on 15 Nov 22
Category Debt - Medium term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.07
Sharpe Ratio -0.78
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 7.78%
Effective Maturity 3 Years 5 Months 19 Days
Modified Duration 2 Years 3 Months

Growth of 10,000 investment over the years.

DateValue
30 Nov 17₹10,000
30 Nov 18₹10,570
30 Nov 19₹11,394
30 Nov 20₹12,556
30 Nov 21₹13,265

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 30 Nov 22

DurationReturns
1 Month 0.8%
3 Month 1.1%
6 Month 3.2%
1 Year 3.6%
3 Year 6.4%
5 Year 6.6%
10 Year
15 Year
Since launch 8%
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 129.99 Yr.
Kaustubh Sule9 Nov 210.98 Yr.

Data below for Axis Strategic Bond Fund as on 15 Nov 22

Asset Allocation
Asset ClassValue
Cash28.2%
Debt71.8%
Debt Sector Allocation
SectorValue
Government36.83%
Corporate36.54%
Cash Equivalent25.17%
Securitized1.46%
Credit Quality
RatingValue
A8.43%
AA27.08%
AAA64.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2032
Sovereign Bonds | -
11%₹172 Cr17,500,000
↓ -5,000,000
7.38% Govt Stock 2027
Sovereign Bonds | -
10%₹165 Cr16,500,000
↑ 1,500,000
7.42% Govt Stock 2033
Sovereign Bonds | -
5%₹85 Cr8,500,000
7.17% Govt Stock 2028
Sovereign Bonds | -
5%₹79 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
National Bank For Agriculture And Rural Development
Debentures | -
2%₹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 2.9% 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 (30 Nov 22) ₹12.728 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹181 on 31 Oct 22
Category Debt - Medium term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.97
Sharpe Ratio -2.3
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%
Effective Maturity 1 Year 9 Months 25 Days
Modified Duration 1 Year 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 17₹10,000
30 Nov 18₹10,365
30 Nov 19₹10,066
30 Nov 20₹7,657
30 Nov 21₹9,043

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 30 Nov 22

DurationReturns
1 Month 0.9%
3 Month 1.2%
6 Month 2.2%
1 Year 2%
3 Year -2.9%
5 Year -1.6%
10 Year
15 Year
Since launch 2.9%
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 184.44 Yr.
Sushil Budhia1 Feb 202.75 Yr.

Data below for Nippon India Strategic Debt Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash37.05%
Debt62.95%
Debt Sector Allocation
SectorValue
Corporate46.42%
Cash Equivalent37.05%
Government16.53%
Credit Quality
RatingValue
AA27.37%
AAA72.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Summit Digitel Infrastructure 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 | -
6%₹10 Cr1,000,000
Rec Limited
Debentures | -
5%₹10 Cr100
India Grid TRust
Debentures | -
5%₹10 Cr100
Indinfravit TRust
Debentures | -
5%₹10 Cr100
G R Infraprojects Limited
Debentures | -
5%₹10 Cr100
6.54% Govt Stock 2032
Sovereign Bonds | -
5%₹9 Cr1,000,000
↑ 1,000,000
U.P. Power Corporation Limited
Debentures | -
3%₹5 Cr50

4. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

SBI Magnum Medium Duration Fund is a Debt - Medium term Bond fund was launched on 12 Nov 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.8% since its launch.  Ranked 18 in Medium term Bond category.  Return for 2021 was 3.8% , 2020 was 12.3% and 2019 was 11.1% .

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund
Growth
Launch Date 12 Nov 03
NAV (30 Nov 22) ₹42.0623 ↑ 0.02   (0.04 %)
Net Assets (Cr) ₹8,969 on 31 Oct 22
Category Debt - Medium term Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.22
Sharpe Ratio -1.25
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity 7.55%
Effective Maturity 3 Years 11 Months 23 Days
Modified Duration 2 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 17₹10,000
30 Nov 18₹10,502
30 Nov 19₹11,715
30 Nov 20₹13,164
30 Nov 21₹13,733

SBI Magnum Medium Duration Fund 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 SBI Magnum Medium Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Nov 22

DurationReturns
1 Month 1%
3 Month 1.3%
6 Month 3.2%
1 Year 3%
3 Year 6.5%
5 Year 7.2%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.8%
2020 12.3%
2019 11.1%
2018 6.2%
2017 7.6%
2016 14%
2015 6.6%
2014 16.5%
2013 4%
2012 14%
Fund Manager information for SBI Magnum Medium Duration Fund
NameSinceTenure
Dinesh Ahuja1 Jul 1111.35 Yr.
Mohit Jain30 Nov 174.92 Yr.

Data below for SBI Magnum Medium Duration Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash16.38%
Debt83.62%
Debt Sector Allocation
SectorValue
Corporate44.95%
Government41.97%
Cash Equivalent13.08%
Credit Quality
RatingValue
A3.64%
AA38.54%
AAA57.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.54% Govt Stock 2032
Sovereign Bonds | -
9%₹852 Cr91,008,500
↓ -22,000,000
7.26% Govt Stock 2032
Sovereign Bonds | -
6%₹552 Cr56,000,000
↑ 40,000,000
7.38% Govt Stock 2027
Sovereign Bonds | -
5%₹489 Cr49,000,000
State Bank Of India
Debentures | -
4%₹354 Cr3,750
Indinfravit TRust
Debentures | -
4%₹337 Cr3,465
5.74% Govt Stock 2026
Sovereign Bonds | -
3%₹283 Cr30,000,000
Muthoot Finance Limited
Debentures | -
3%₹253 Cr2,550,000
6.1% Govt Stock 2031
Sovereign Bonds | -
3%₹242 Cr26,500,000
Mahindra Rural Housing Finance Limited
Debentures | -
3%₹235 Cr2,350
Jindal Stainless Limited
Debentures | -
3%₹231 Cr2,400

5. 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 7.4% 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 (30 Nov 22) ₹18.6893 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹1,923 on 15 Nov 22
Category Debt - Medium term Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.35
Sharpe Ratio -1.02
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 8.01%
Effective Maturity 6 Years 3 Months 11 Days
Modified Duration 2 Years 6 Months

Growth of 10,000 investment over the years.

DateValue
30 Nov 17₹10,000
30 Nov 18₹10,445
30 Nov 19₹11,291
30 Nov 20₹12,190
30 Nov 21₹12,807

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 30 Nov 22

DurationReturns
1 Month 0.7%
3 Month 0.9%
6 Month 2.5%
1 Year 2.8%
3 Year 5.3%
5 Year 5.7%
10 Year
15 Year
Since launch 7.4%
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 148.61 Yr.
Vihag Mishra1 Mar 220.67 Yr.
sunit garg1 Nov 220 Yr.

Data below for Kotak Medium Term Fund as on 15 Nov 22

Asset Allocation
Asset ClassValue
Cash7.99%
Equity5.35%
Debt86.66%
Debt Sector Allocation
SectorValue
Corporate60.1%
Government26.52%
Cash Equivalent5.39%
Securitized2.64%
Credit Quality
RatingValue
A6.25%
AA22.39%
AAA71.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.42% Govt Stock 2033
Sovereign Bonds | -
11%₹201 Cr20,187,493
Housing Development Finance Corporation Limited
Debentures | -
8%₹150 Cr1,500
Power Finance Corporation Ltd.
Debentures | -
6%₹110 Cr1,070
6.42% Govt Stock 2031
Sovereign Bonds | -
5%₹100 Cr10,000,000
Bharti Telecom Limited
Debentures | -
5%₹96 Cr1,000
Sikka Ports & Terminals Limited
Debentures | -
5%₹96 Cr1,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
5%₹96 Cr1,000
Shriram Transport Finance Company Limited
Debentures | -
5%₹86 Cr850
Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | 542602
4%₹74 Cr2,153,707
TATA Steel Limited
Debentures | -
4%₹74 Cr750

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