ٹاپ 5 بہترین لانگ ٹرم بانڈ فنڈز 2022

Updated on September 27, 2025 , 13493 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	₹90.0496 ↑ 0.17	₹1,129	5,000	1,000	0.1	1.5	6	7.7	10.1	7.43%	9Y 7M 2D	26Y 3M 18D
Bandhan Bond Fund Long Term Plan Growth	₹64.6715 ↓ -0.04	₹483	5,000	1,000	0.5	1	3.8	6.2	7.9	6.93%	6Y 8M 19D	10Y 6M 11D
Kotak Bond Fund Growth	₹76.9967 ↑ 0.02	₹2,061	5,000	1,000	0.2	2.1	5.3	7	8.2	6.96%	6Y 8M 5D	13Y 3M 18D
Aditya Birla Sun Life Income Fund Growth	₹125.809 ↑ 0.10	₹2,025	1,000	1,000	0.4	1.7	5.5	7.1	8.4	7.37%	6Y 7M 13D	14Y 22D
HDFC Income Fund Growth	₹58.3262 ↓ -0.01	₹941	5,000	300	0.1	1.9	5.6	7.1	9	6.9%	6Y 6M 4D	12Y 2M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Long Term Bond Fund	Bandhan Bond Fund Long Term Plan	Kotak Bond Fund	Aditya Birla Sun Life Income Fund	HDFC Income Fund
Point 1	Lower mid AUM (₹1,129 Cr).	Bottom quartile AUM (₹483 Cr).	Highest AUM (₹2,061 Cr).	Upper mid AUM (₹2,025 Cr).	Bottom quartile AUM (₹941 Cr).
Point 2	Established history (27+ yrs).	Established history (25+ yrs).	Established history (25+ yrs).	Oldest track record among peers (29 yrs).	Established history (25+ yrs).
Point 3	Top rated.	Not Rated.	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 6.03% (top quartile).	1Y return: 3.82% (bottom quartile).	1Y return: 5.32% (bottom quartile).	1Y return: 5.46% (lower mid).	1Y return: 5.55% (upper mid).
Point 6	1M return: 1.65% (top quartile).	1M return: 1.25% (upper mid).	1M return: 1.15% (lower mid).	1M return: 0.96% (bottom quartile).	1M return: 1.05% (bottom quartile).
Point 7	Sharpe: -0.16 (top quartile).	Sharpe: -0.84 (bottom quartile).	Sharpe: -0.34 (bottom quartile).	Sharpe: -0.22 (upper mid).	Sharpe: -0.22 (lower mid).
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): 7.43% (top quartile).	Yield to maturity (debt): 6.93% (bottom quartile).	Yield to maturity (debt): 6.96% (lower mid).	Yield to maturity (debt): 7.37% (upper mid).	Yield to maturity (debt): 6.90% (bottom quartile).
Point 10	Modified duration: 9.59 yrs (bottom quartile).	Modified duration: 6.72 yrs (bottom quartile).	Modified duration: 6.68 yrs (lower mid).	Modified duration: 6.62 yrs (upper mid).	Modified duration: 6.51 yrs (top quartile).

ICICI Prudential Long Term Bond Fund

Lower mid AUM (₹1,129 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.03% (top quartile).
1M return: 1.65% (top quartile).
Sharpe: -0.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (top quartile).
Modified duration: 9.59 yrs (bottom quartile).

Bandhan Bond Fund Long Term Plan

Bottom quartile AUM (₹483 Cr).
Established history (25+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 3.82% (bottom quartile).
1M return: 1.25% (upper mid).
Sharpe: -0.84 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 6.72 yrs (bottom quartile).

Kotak Bond Fund

Highest AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.32% (bottom quartile).
1M return: 1.15% (lower mid).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (lower mid).

Aditya Birla Sun Life Income Fund

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (29 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.46% (lower mid).
1M return: 0.96% (bottom quartile).
Sharpe: -0.22 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 6.62 yrs (upper mid).

HDFC Income Fund

Bottom quartile AUM (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.55% (upper mid).
1M return: 1.05% (bottom quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 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 (₹1,129 Cr).
Established history (27+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.03% (top quartile).
1M return: 1.65% (top quartile).
Sharpe: -0.16 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.43% (top quartile).
Modified duration: 9.59 yrs (bottom quartile).
Average maturity: 26.30 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.34% Govt Stock 2064 (~33.6%).
Top-3 holdings concentration ~49.6%.

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 (29 Sep 25)	₹90.0496 ↑ 0.17 (0.19 %)
Net Assets (Cr)	₹1,129 on 15 Sep 25
Category	Debt - Longterm Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.95
Sharpe Ratio	-0.16
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	26 Years 3 Months 18 Days
Modified Duration	9 Years 7 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,316
31 Aug 22	₹10,428
31 Aug 23	₹11,078
31 Aug 24	₹12,062
31 Aug 25	₹12,744

ICICI Prudential Long Term 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 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 29 Sep 25

Duration	Returns
1 Month	1.6%
3 Month	0.1%
6 Month	1.5%
1 Year	6%
3 Year	7.7%
5 Year	5.2%
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	1.61 Yr.
Raunak Surana	22 Jan 24	1.61 Yr.

Data below for ICICI Prudential Long Term Bond Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	3.59%
Debt	96.13%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	81.5%
Corporate	14.63%
Cash Equivalent	3.59%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	34%	₹379 Cr	37,701,500
6.9% Govt Stock 2065 Sovereign Bonds \| -	8%	₹95 Cr	10,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	8%	₹86 Cr	8,538,300
Maharashtra (Government of) - \| -	6%	₹72 Cr	7,500,000
The Great Eastern Shipping Company Limited Debentures \| -	5%	₹54 Cr	536
LIC Housing Finance Ltd Debentures \| -	5%	₹51 Cr	500
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹49 Cr	4,960,700
Maharashtra (Government of) - \| -	4%	₹49 Cr	5,000,000
Maharashtra (Government of) - \| -	4%	₹48 Cr	5,000,000
7.23% Maharashtra Sdl-04/09/2035 Sovereign Bonds \| -	4%	₹40 Cr	4,000,000

2. Bandhan Bond Fund Long Term Plan

(Erstwhile IDFC Super Saver Income Fund - Investment Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Bond Fund Long Term Plan

Bottom quartile AUM (₹483 Cr).
Established history (25+ yrs).
Not Rated.
Risk profile: Moderate.
1Y return: 3.82% (bottom quartile).
1M return: 1.25% (upper mid).
Sharpe: -0.84 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 6.72 yrs (bottom quartile).
Average maturity: 10.53 yrs (top quartile).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Higher exposure to Financial Services vs peer median.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~44.9%).
Top-3 holdings concentration ~79.6%.

Below is the key information for Bandhan Bond Fund Long Term Plan

Bandhan Bond Fund Long Term Plan Growth
Launch Date	14 Jul 00
NAV (29 Sep 25)	₹64.6715 ↓ -0.04 (-0.06 %)
Net Assets (Cr)	₹483 on 31 Aug 25
Category	Debt - Longterm Bond
AMC	IDFC Asset Management Company Limited
Rating	Not Rated
Risk	Moderate
Expense Ratio	1.98
Sharpe Ratio	-0.84
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity	6.93%
Effective Maturity	10 Years 6 Months 11 Days
Modified Duration	6 Years 8 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,484
31 Aug 22	₹10,533
31 Aug 23	₹11,073
31 Aug 24	₹11,927
31 Aug 25	₹12,363

Bandhan Bond Fund Long Term Plan 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 Bandhan Bond Fund Long 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 29 Sep 25

Duration	Returns
1 Month	1.2%
3 Month	0.5%
6 Month	1%
1 Year	3.8%
3 Year	6.2%
5 Year	4.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6%
2022	0.6%
2021	1.2%
2020	11.8%
2019	10.4%
2018	6.6%
2017	3.1%
2016	12.9%
2015	5.9%

Fund Manager information for Bandhan Bond Fund Long Term Plan

Name	Since	Tenure
Suyash Choudhary	15 Oct 10	14.89 Yr.
Brijesh Shah	10 Jun 24	1.23 Yr.

Data below for Bandhan Bond Fund Long Term Plan as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.92%
Debt	96.79%
Other	0.29%

Debt Sector Allocation

Sector	Value
Government	83.38%
Corporate	13.41%
Cash Equivalent	2.92%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	45%	₹217 Cr	22,000,000 ↑ 2,500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	22%	₹107 Cr	10,400,000 ↑ 3,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	13%	₹60 Cr	6,000,000
Tata Capital Limited Debentures \| -	9%	₹42 Cr	4,200,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹20 Cr	2,000,000 ↓ -500,000
6.54% Govt Stock 2032 Sovereign Bonds \| -	2%	₹10 Cr	1,000,000 ↑ 500,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	1%	₹5 Cr	500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	0%	₹2 Cr	200,000 ↓ -1,000,000
Rec Limited Debentures \| -	0%	₹2 Cr	200,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹1 Cr	1,254

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

Highest AUM (₹2,061 Cr).
Established history (25+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.32% (bottom quartile).
1M return: 1.15% (lower mid).
Sharpe: -0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.96% (lower mid).
Modified duration: 6.68 yrs (lower mid).
Average maturity: 13.30 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 (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.09% Govt Stock 2054 (~14.3%).

Below is the key information for Kotak Bond Fund

Kotak Bond Fund Growth
Launch Date	25 Nov 99
NAV (29 Sep 25)	₹76.9967 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹2,061 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	1.65
Sharpe Ratio	-0.34
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	6.96%
Effective Maturity	13 Years 3 Months 18 Days
Modified Duration	6 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,604
31 Aug 22	₹10,750
31 Aug 23	₹11,405
31 Aug 24	₹12,337
31 Aug 25	₹12,993

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 29 Sep 25

Duration	Returns
1 Month	1.2%
3 Month	0.2%
6 Month	2.1%
1 Year	5.3%
3 Year	7%
5 Year	5.5%
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	17.39 Yr.

Data below for Kotak Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	9.46%
Equity	0.36%
Debt	89.89%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	61.28%
Corporate	21.4%
Cash Equivalent	9.46%
Securitized	7.22%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	14%	₹298 Cr	30,250,000 ↑ 12,000,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	10%	₹199 Cr	20,105,260 ↓ -5,000,000
6.28% Govt Stock 2032 Sovereign Bonds \| -	9%	₹178 Cr	18,000,000 ↓ -7,000,000
National Housing Bank Debentures \| -	8%	₹172 Cr	17,500
7.34% Govt Stock 2064 Sovereign Bonds \| -	5%	₹109 Cr	10,799,600
6.68% Govt Stock 2040 Sovereign Bonds \| -	5%	₹99 Cr	10,000,000 ↓ -3,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	5%	₹94 Cr	9,329,820
Bihar State Govt - 2036 - Bihar 0.0752 Sovereign Bonds \| -	4%	₹81 Cr	8,000,000 ↑ 8,000,000
Ptc Shivshakti Securitisation Trust 28/09/2029(Shivshakti Trust)** So Unlisted bonds \| -	4%	₹75 Cr	75 ↑ 75
Ptc Siddhivinayak Securitisation Trust 28/09/2030(Siddhivinayak Trust)** So Unlisted bonds \| -	4%	₹75 Cr	75 ↑ 75

4. 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

Upper mid AUM (₹2,025 Cr).
Oldest track record among peers (29 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.46% (lower mid).
1M return: 0.96% (bottom quartile).
Sharpe: -0.22 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.37% (upper mid).
Modified duration: 6.62 yrs (upper mid).
Average maturity: 14.06 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 (~17.2%).

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 (29 Sep 25)	₹125.809 ↑ 0.10 (0.08 %)
Net Assets (Cr)	₹2,025 on 31 Aug 25
Category	Debt - Medium to Long term
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.03
Sharpe Ratio	-0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	14 Years 22 Days
Modified Duration	6 Years 7 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,635
31 Aug 22	₹10,875
31 Aug 23	₹11,561
31 Aug 24	₹12,455
31 Aug 25	₹13,163

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 29 Sep 25

Duration	Returns
1 Month	1%
3 Month	0.4%
6 Month	1.7%
1 Year	5.5%
3 Year	7.1%
5 Year	5.8%
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	5.07 Yr.

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

Asset Allocation

Asset Class	Value
Cash	7.71%
Debt	91.98%
Other	0.31%

Debt Sector Allocation

Sector	Value
Government	64.31%
Corporate	26.91%
Cash Equivalent	7.23%
Securitized	1.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	17%	₹349 Cr	34,659,900 ↑ 2,000,000
Power Grid Corporation Of India Limited Debentures \| -	5%	₹99 Cr	10,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	5%	₹98 Cr	9,906,100 ↓ -2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	4%	₹78 Cr	7,500,000 ↑ 5,000,000
Tata Capital Housing Finance Limited Debentures \| -	4%	₹75 Cr	7,500
Housing And Urban Development Corporation Limited Debentures \| -	4%	₹74 Cr	7,500
Maharashtra (Government of) - \| -	3%	₹64 Cr	6,500,000
Maharashtra (Government of) - \| -	3%	₹56 Cr	5,729,200
Bajaj Finance Limited Debentures \| -	3%	₹51 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹51 Cr	5,000

5. 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 (₹941 Cr).
Established history (25+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.55% (upper mid).
1M return: 1.05% (bottom quartile).
Sharpe: -0.22 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (bottom quartile).
Modified duration: 6.51 yrs (top quartile).
Average maturity: 12.21 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 (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2037 (~17.9%).
Top-3 holdings concentration ~40.6%.

Below is the key information for HDFC Income Fund

HDFC Income Fund Growth
Launch Date	11 Sep 00
NAV (29 Sep 25)	₹58.3262 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹941 on 15 Sep 25
Category	Debt - Medium to Long term
AMC	HDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.37
Sharpe Ratio	-0.22
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	6.9%
Effective Maturity	12 Years 2 Months 16 Days
Modified Duration	6 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,468
31 Aug 22	₹10,518
31 Aug 23	₹11,107
31 Aug 24	₹12,046
31 Aug 25	₹12,725

HDFC 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 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 29 Sep 25

Duration	Returns
1 Month	1.1%
3 Month	0.1%
6 Month	1.9%
1 Year	5.6%
3 Year	7.1%
5 Year	5%
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	17.99 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Income Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	9.09%
Equity	0.46%
Debt	90.18%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	75.32%
Corporate	14.85%
Cash Equivalent	9.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2037 Sovereign Bonds \| -	18%	₹168 Cr	16,290,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	12%	₹114 Cr	11,530,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹100 Cr	9,500,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	7%	₹67 Cr	6,500,000
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%	₹26 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%	₹25 Cr	2,500,000

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