ٹاپ 5 بہترین لانگ ٹرم بانڈ فنڈز 2022

Updated on November 27, 2025 , 13602 views

بہترین طویل مدتی بانڈ فنڈز تلاش کر رہے ہیں؟ یہ ان سرمایہ کاروں کے لیے فنڈز ہیں جو وسط سے طویل مدت کے لیے تلاش کر رہے ہیں۔سرمایہ کاری کا منصوبہ، عام طور پر 3-5 سال کے لئے۔ طویل مدتی بانڈ فنڈز بنیادی طور پر G-sec اور کارپوریٹ میں سرمایہ کاری کرتے ہیں۔بانڈز جس کی پختگی کی مدت درمیانی سے طویل ہے۔

یہ فنڈز شرح سود میں ہونے والی تبدیلیوں کے لیے حساس ہوتے ہیں اور قرض کے دیگر زمروں کے مقابلے زیادہ غیر مستحکم ہو سکتے ہیں۔

طویل مدتی بانڈز میں سود کی شرح اور قیمت

قرض کی ضمانتوں کی شرح سود اور قیمتیں ایک الٹا تعلق رکھتی ہیں، اس کا مطلب ہے کہ وہ مخالف سمتوں میں چلتے ہیں۔ مثال کے طور پر، گرتی ہوئی سود کی شرح بانڈ فنڈز کے لیے اچھی ہے۔ سود کی شرح میں کمی کے دوران، بانڈ کی قیمتیں بڑھ جاتی ہیں اور یہ اضافہ ہوتا ہے۔NAVs کےقرض فنڈ سکیمیں

چونکہ شرح سود میں کمی طویل مدتی سیکیورٹیز کی قیمتوں میں اضافے کا سبب بنتی ہے، اس لیے ان میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے۔طویل مدتی قرض فنڈز جب شرح سود میں کمی کی توقع کی جاتی ہے۔ وہ سرمایہ کار جو طویل مدت (یعنی 3 سال اور اس سے اوپر) کے لیے سرمایہ کاری کرنا چاہتے ہیں اور کسی حد تک خطرہ مول لے سکتے ہیں، انہیں اس اسکیم میں مثالی طور پر سرمایہ کاری کرنی چاہیے۔

مزید یہ کہ، سرمایہ کار جو کہ شرح سود میں اتار چڑھاؤ سے مطمئن ہیں۔مارکیٹ ان سرمایہ کاری کے ساتھ آگے بڑھ سکتے ہیں۔ 2022 کے لیے یہاں سرفہرست 10 بہترین طویل مدتی بانڈ فنڈز ہیں۔

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ٹاپ 5 بہترین لانگ ٹرم بانڈ فنڈز 2022

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Long Term Bond Fund Growth	₹90.1013 ↓ -0.25	₹1,087	5,000	1,000	1.3	-1.4	5.4	7.2	10.1	7.36%	9Y 9M 25D	26Y 4M 20D
Aditya Birla Sun Life Income Fund Growth	₹126.671 ↓ -0.15	₹2,115	1,000	1,000	1.5	-0.1	5.8	6.8	8.4	7.1%	6Y 8M 5D	15Y 3M 29D
Kotak Bond Fund Growth	₹77.6699 ↓ -0.12	₹2,053	5,000	1,000	1.8	0.2	5.9	6.8	8.2	7.09%	6Y 8M 5D	13Y 1M 28D
HDFC Income Fund Growth	₹58.7203 ↓ -0.10	₹915	5,000	300	1.4	-0.4	5.9	6.8	9	6.88%	6Y 7M 20D	12Y 5M 16D
LIC MF Bond Fund Growth	₹73.3558 ↓ -0.07	₹201	5,000	1,000	1.7	0.4	6.8	7.3	9	6.95%	6Y 6M 14D	10Y 4M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Long Term Bond Fund	Aditya Birla Sun Life Income Fund	Kotak Bond Fund	HDFC Income Fund	LIC MF Bond Fund
Point 1	Lower mid AUM (₹1,087 Cr).	Highest AUM (₹2,115 Cr).	Upper mid AUM (₹2,053 Cr).	Bottom quartile AUM (₹915 Cr).	Bottom quartile AUM (₹201 Cr).
Point 2	Established history (27+ yrs).	Oldest track record among peers (30 yrs).	Established history (26+ yrs).	Established history (25+ yrs).	Established history (26+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (lower mid).	Rating: 2★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 5.43% (bottom quartile).	1Y return: 5.78% (bottom quartile).	1Y return: 5.93% (lower mid).	1Y return: 5.94% (upper mid).	1Y return: 6.83% (top quartile).
Point 6	1M return: -0.58% (bottom quartile).	1M return: 0.02% (bottom quartile).	1M return: 0.22% (upper mid).	1M return: 0.21% (lower mid).	1M return: 0.38% (top quartile).
Point 7	Sharpe: -0.03 (upper mid).	Sharpe: -0.15 (bottom quartile).	Sharpe: -0.13 (lower mid).	Sharpe: -0.13 (bottom quartile).	Sharpe: 0.13 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.36% (top quartile).	Yield to maturity (debt): 7.10% (upper mid).	Yield to maturity (debt): 7.09% (lower mid).	Yield to maturity (debt): 6.88% (bottom quartile).	Yield to maturity (debt): 6.95% (bottom quartile).
Point 10	Modified duration: 9.82 yrs (bottom quartile).	Modified duration: 6.68 yrs (lower mid).	Modified duration: 6.68 yrs (bottom quartile).	Modified duration: 6.64 yrs (upper mid).	Modified duration: 6.54 yrs (top quartile).

ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,087 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.43% (bottom quartile).
1M return: -0.58% (bottom quartile).
Sharpe: -0.03 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.36% (top quartile).
Modified duration: 9.82 yrs (bottom quartile).

Aditya Birla Sun Life Income Fund

Highest AUM (₹2,115 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.78% (bottom quartile).
1M return: 0.02% (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.10% (upper mid).
Modified duration: 6.68 yrs (lower mid).

Kotak Bond Fund

Upper mid AUM (₹2,053 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.93% (lower mid).
1M return: 0.22% (upper mid).
Sharpe: -0.13 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.09% (lower mid).
Modified duration: 6.68 yrs (bottom quartile).

HDFC Income Fund

Bottom quartile AUM (₹915 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.94% (upper mid).
1M return: 0.21% (lower mid).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 6.64 yrs (upper mid).

LIC MF Bond Fund

Bottom quartile AUM (₹201 Cr).
Established history (26+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.83% (top quartile).
1M return: 0.38% (top quartile).
Sharpe: 0.13 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 6.54 yrs (top quartile).

1. ICICI Prudential Long Term Bond Fund

(Erstwhile ICICI Prudential Income Plan)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,087 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.43% (bottom quartile).
1M return: -0.58% (bottom quartile).
Sharpe: -0.03 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.36% (top quartile).
Modified duration: 9.82 yrs (bottom quartile).
Average maturity: 26.39 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~34.8%).
Top-3 holdings concentration ~50.3%.

Below is the key information for ICICI Prudential Long Term Bond Fund

ICICI Prudential Long Term Bond Fund Growth
Launch Date	9 Jul 98
NAV (28 Nov 25)	₹90.1013 ↓ -0.25 (-0.27 %)
Net Assets (Cr)	₹1,087 on 31 Oct 25
Category	Debt - Longterm Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.95
Sharpe Ratio	-0.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.36%
Effective Maturity	26 Years 4 Months 20 Days
Modified Duration	9 Years 9 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,138
30 Nov 22	₹10,168
30 Nov 23	₹10,740
30 Nov 24	₹11,921
30 Nov 25	₹12,530

ICICI Prudential Long Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for ICICI Prudential Long Term 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 28 Nov 25

Duration	Returns
1 Month	-0.6%
3 Month	1.3%
6 Month	-1.4%
1 Year	5.4%
3 Year	7.2%
5 Year	4.6%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.1%
2023	6.8%
2022	1.3%
2021	0.4%
2020	11%
2019	12.1%
2018	6.8%
2017	4.1%
2016	15.7%
2015	5.1%

Fund Manager information for ICICI Prudential Long Term Bond Fund

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.78 Yr.
Raunak Surana	22 Jan 24	1.78 Yr.

Data below for ICICI Prudential Long Term Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	6.22%
Debt	93.78%

Debt Sector Allocation

Sector	Value
Government	88.75%
Cash Equivalent	6.22%
Corporate	5.03%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	35%	₹374 Cr	37,701,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	9%	₹94 Cr	10,000,000
Maharashtra (Government of) - \| -	7%	₹73 Cr	7,500,000
The Great Eastern Shipping Company Limited Debentures \| -	5%	₹54 Cr	536
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	5%	₹49 Cr	4,960,700
Maharashtra (Government of) - \| -	5%	₹49 Cr	5,000,000
Maharashtra (Government of) - \| -	5%	₹49 Cr	5,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	4%	₹40 Cr	4,038,300
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹40 Cr	4,000,000
State Government Of Rajasthan Sovereign Bonds \| -	2%	₹25 Cr	2,500,000

2. Aditya Birla Sun Life Income Fund

(Erstwhile Aditya Birla Sun Life Income Plus)

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Research Highlights for Aditya Birla Sun Life Income Fund

Highest AUM (₹2,115 Cr).
Oldest track record among peers (30 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.78% (bottom quartile).
1M return: 0.02% (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.10% (upper mid).
Modified duration: 6.68 yrs (lower mid).
Average maturity: 15.33 yrs (bottom quartile).
Exit load: NIL.
Top sector: Utility.
Top bond sector: Government.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~19.5%).
Top-3 holdings concentration ~35.2%.

Below is the key information for Aditya Birla Sun Life Income Fund

Aditya Birla Sun Life Income Fund Growth
Launch Date	21 Oct 95
NAV (28 Nov 25)	₹126.671 ↓ -0.15 (-0.12 %)
Net Assets (Cr)	₹2,115 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-0.15
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.1%
Effective Maturity	15 Years 3 Months 29 Days
Modified Duration	6 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,444
30 Nov 22	₹10,646
30 Nov 23	₹11,259
30 Nov 24	₹12,273
30 Nov 25	₹12,958

Aditya Birla Sun Life Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Aditya Birla Sun Life Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25

Duration	Returns
1 Month	0%
3 Month	1.5%
6 Month	-0.1%
1 Year	5.8%
3 Year	6.8%
5 Year	5.3%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.4%
2023	6.6%
2022	2.4%
2021	4%
2020	12.8%
2019	9.5%
2018	5.1%
2017	2.8%
2016	14.4%
2015	4.6%

Fund Manager information for Aditya Birla Sun Life Income Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	5.24 Yr.

Data below for Aditya Birla Sun Life Income Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	7.49%
Debt	92.22%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	66.43%
Corporate	25.79%
Cash Equivalent	7.49%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	20%	₹424 Cr	42,819,900 ↑ 1,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹207 Cr	20,000,000 ↓ -1,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	6%	₹134 Cr	13,656,100
Power Grid Corporation Of India Limited Debentures \| -	5%	₹99 Cr	10,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹75 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹75 Cr	7,500
Housing And Urban Development Corporation Limited Debentures \| -	3%	₹75 Cr	7,500
Bajaj Finance Limited Debentures \| -	2%	₹51 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹51 Cr	5,000
State Government Securities (12/11/2043) Sovereign Bonds \| -	2%	₹50 Cr	5,000,000 ↑ 5,000,000

3. Kotak Bond Fund

(Erstwhile Kotak Bond Regular Plan Growth)

To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon & different kinds of issuers in the debt market. However, there is no assurance that the objective of the scheme will be realized

Research Highlights for Kotak Bond Fund

Upper mid AUM (₹2,053 Cr).
Established history (26+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.93% (lower mid).
1M return: 0.22% (upper mid).
Sharpe: -0.13 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.09% (lower mid).
Modified duration: 6.68 yrs (bottom quartile).
Average maturity: 13.16 yrs (lower mid).
Exit load: 0-3 Months (0.2%),3 Months and above(NIL).
Top sector: Financial Services.
Top bond sector: Government.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.09% Govt Stock 2054 (~12.8%).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (28 Nov 25)	₹77.6699 ↓ -0.12 (-0.16 %)
Net Assets (Cr)	₹2,053 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-3 Months (0.2%),3 Months and above(NIL)
Yield to Maturity	7.09%
Effective Maturity	13 Years 1 Month 28 Days
Modified Duration	6 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,388
30 Nov 22	₹10,513
30 Nov 23	₹11,117
30 Nov 24	₹12,119
30 Nov 25	₹12,814

Kotak Bond Fund SIP 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 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 28 Nov 25

Duration	Returns
1 Month	0.2%
3 Month	1.8%
6 Month	0.2%
1 Year	5.9%
3 Year	6.8%
5 Year	5.1%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	6.8%
2022	1.7%
2021	2.4%
2020	12.3%
2019	10.3%
2018	5.2%
2017	0.9%
2016	14.3%
2015	4.6%

Fund Manager information for Kotak Bond Fund

Name	Since	Tenure
Abhishek Bisen	15 Apr 08	17.56 Yr.

Data below for Kotak Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	7.69%
Equity	0.37%
Debt	91.65%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	62.49%
Corporate	21.72%
Cash Equivalent	7.69%
Securitized	7.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	13%	₹263 Cr	26,980,000 ↓ -4,000,000
National Housing Bank Debentures \| -	7%	₹149 Cr	15,000
6.28% Govt Stock 2032 Sovereign Bonds \| -	6%	₹124 Cr	12,500,000 ↓ -5,500,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	6%	₹119 Cr	12,105,260
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹92 Cr	9,299,600 ↓ -1,500,000
Bihar (Government of) 0.0752% - \| -	4%	₹82 Cr	8,000,000 ↑ 8,000,000
Bihar (Government of) 0.0745% - \| -	4%	₹81 Cr	8,000,000 ↑ 8,000,000
Rajasthan (Government of ) 0.0749% - \| -	4%	₹77 Cr	7,500,000 ↑ 7,500,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	4%	₹76 Cr	75
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	4%	₹76 Cr	75

4. HDFC Income Fund

Aims to optimise returns while maintaining a balance of safety, yield and liquidity.

Research Highlights for HDFC Income Fund

Bottom quartile AUM (₹915 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.94% (upper mid).
1M return: 0.21% (lower mid).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.88% (bottom quartile).
Modified duration: 6.64 yrs (upper mid).
Average maturity: 12.46 yrs (upper mid).
Exit load: 0-1 Months (0.25%),1 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Government.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2037 (~16.3%).
Top-3 holdings concentration ~41.7%.

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (28 Nov 25)	₹58.7203 ↓ -0.10 (-0.18 %)
Net Assets (Cr)	₹915 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.13
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	6.88%
Effective Maturity	12 Years 5 Months 16 Days
Modified Duration	6 Years 7 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,284
30 Nov 22	₹10,337
30 Nov 23	₹10,856
30 Nov 24	₹11,915
30 Nov 25	₹12,596

HDFC Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for HDFC Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Nov 25

Duration	Returns
1 Month	0.2%
3 Month	1.4%
6 Month	-0.4%
1 Year	5.9%
3 Year	6.8%
5 Year	4.7%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.1%
2022	0.9%
2021	2.1%
2020	9.3%
2019	8.7%
2018	3.6%
2017	1.3%
2016	14.5%
2015	5.3%

Fund Manager information for HDFC Income Fund

Name	Since	Tenure
Shobhit Mehrotra	11 Sep 07	18.15 Yr.
Dhruv Muchhal	22 Jun 23	2.36 Yr.

Data below for HDFC Income Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	7.65%
Equity	0.48%
Debt	91.58%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	76.22%
Corporate	15.36%
Cash Equivalent	7.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	16%	₹149 Cr	14,500,000 ↓ -1,790,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	15%	₹133 Cr	13,530,000 ↑ 500,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹99 Cr	9,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	6%	₹57 Cr	5,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹41 Cr	4,000,000
Ntpc Limited Debentures \| -	3%	₹26 Cr	250
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
6.63% Govt Stock 2031 Sovereign Bonds \| -	3%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹25 Cr	250
7.09% Govt Stock 2054 Sovereign Bonds \| -	3%	₹24 Cr	2,500,000

5. LIC MF Bond Fund

LIC MF Bond Fund is an open-ended debt scheme, which will endeavor to generate an attractive return for its investors by investing in a portfolio of quality debt securities and money market instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Bond Fund

Bottom quartile AUM (₹201 Cr).
Established history (26+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 6.83% (top quartile).
1M return: 0.38% (top quartile).
Sharpe: 0.13 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 6.54 yrs (top quartile).
Average maturity: 10.39 yrs (top quartile).
Exit load: 0-1 Years (1%),1 Years and above(NIL).
Top sector: Basic Materials.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 07.70 MH Sgs 2033 (~15.7%).
Top-3 holdings concentration ~44.5%.

Below is the key information for LIC MF Bond Fund

LIC MF Bond Fund Growth
Launch Date	15 Sep 99
NAV (28 Nov 25)	₹73.3558 ↓ -0.07 (-0.10 %)
Net Assets (Cr)	₹201 on 31 Oct 25
Category	Debt - Medium to Long term
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.1
Sharpe Ratio	0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	6.95%
Effective Maturity	10 Years 4 Months 20 Days
Modified Duration	6 Years 6 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,175
30 Nov 22	₹10,408
30 Nov 23	₹11,021
30 Nov 24	₹12,061
30 Nov 25	₹12,872

LIC MF Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for LIC MF 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 28 Nov 25

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	0.4%
1 Year	6.8%
3 Year	7.3%
5 Year	5.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9%
2023	6.5%
2022	2.8%
2021	1.3%
2020	8.8%
2019	9.7%
2018	4.9%
2017	2.2%
2016	12.3%
2015	5.6%

Fund Manager information for LIC MF Bond Fund

Name	Since	Tenure
Rahul Singh	1 Oct 25	0.08 Yr.
Pratik Shroff	26 Sep 23	2.1 Yr.

Data below for LIC MF Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	4.78%
Debt	94.93%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	89.9%
Corporate	5.03%
Cash Equivalent	4.78%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
07.70 MH Sgs 2033 Sovereign Bonds \| -	16%	₹31 Cr	3,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	16%	₹31 Cr	3,000,000 ↓ -1,000,000
07.80 GJ Sdl 2032 Sovereign Bonds \| -	13%	₹27 Cr	2,500,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	11%	₹21 Cr	2,000,000 ↑ 2,000,000
07.64 MH Sgs 2032 Sovereign Bonds \| -	8%	₹16 Cr	1,500,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	5%	₹11 Cr	1,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	5%	₹10 Cr	1,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	3%	₹7 Cr	700,000

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