+91-22-48913909ایف ڈی بمقابلہ ڈیبٹ میوچل فنڈ
ایف ڈی بمقابلہقرض فنڈ? سوچناکہاں سرمایہ کاری کرنا ہے اچھا منافع کمانے کے لیے آپ کی بچت۔ عام طور پر لوگ غور کرتے ہیں۔سرمایہ کاری فکسڈ ڈپازٹ یا FD میں سب سے آسان آپشن ہے کیونکہ یہ محفوظ ہے اور فکسڈ ریٹرن پیش کرتا ہے۔ لیکن کیا یہ بہترین طریقہ ہے؟ اگرچہ فکسڈ ڈپازٹ سب کے لیے سرمایہ کاری کا ایک آسان آپشن ہے، تاہم، قابل ٹیکس ہونے والے فکسڈ ڈپازٹ کے منافع ڈیبٹ فنڈ کے مقابلے بہت کم ہیں۔ مزید برآں، جب طویل مدت کے لیے منعقد کیا جاتا ہے، قرضباہمی چندہ اچھا منافع پیش کرتے ہیں. ڈیٹ میوچل فنڈز یا فکسڈ ڈپازٹ میں سرمایہ کاری کرنے کا حتمی فیصلہ کرنے سے پہلے، ان سرمایہ کاری کے تفصیلی موازنہ کو دیکھیں۔
خلاصہ:
ڈیبٹ میوچل فنڈز (ڈیبٹ فنڈ) بمقابلہ فکسڈ ڈپازٹس (ایف ڈی)
ہمیں خطرہ مول لینے کی صلاحیت اور اس کے انعقاد کی مطلوبہ مدت کے ذریعے اسے توڑنا ہوگا۔سرمایہ کار سوال میں.
مختصر انعقاد کی مدت (1 سال یا اس سے کم)
یہاں قرض فنڈ کے اختیارات محدود ہوں گے۔مائع فنڈزالٹرامختصر مدت کے فنڈز اور مختصر مدتآمدنی فنڈز اگرچہ ریٹرن یا پیداوار عام طور پر مائع سے الٹرا شارٹ سے شارٹ ٹرم فنڈ تک زیادہ ہوتی ہے، لیکن ان ڈیٹ فنڈز اور فکسڈ ڈپازٹ کے درمیان پیداوار کے فرق کا تعین ان کے پچھلے ایک سال کے ریٹرن کو دیکھتے ہوئے کیا جا سکتا ہے۔
ڈیبٹ میوچل فنڈ (زمرہ اوسط واپسی)
| قرض میوچل فنڈ کی قسم | گزشتہ 1 سال واپسی (%) |
|---|---|
| مائع فنڈ | 7.36 |
| الٹرا شارٹ ٹرم ڈیبٹ فنڈز | 9.18 |
| قلیل مدتی قرض فنڈز | 9.78 |
| ڈائنامک ڈیبٹ فنڈز | 13.89 |
| طویل مدتی قرض فنڈز | 13.19 |
| گلٹ قلیل مدتی فنڈز | 11.76 |
| گلٹ طویل مدتی فنڈز | 15.06 |
| 20 فروری 2017 تک کا ڈیٹا |
فکسڈ ڈپازٹ یا ایف ڈی کی اوسط واپسی کی شرح
فکسڈ ڈپازٹس کی اوسط واپسی کی شرح 8-8.5% p.a کے درمیان ہے۔ سال 2016 میں (تاکہ کوئی بھی ٹیبل میں مذکورہ بالا منافع کا موازنہ کر سکے)۔ تاہم، پچھلے ایک سال میں، واپسی کی شرح 6.6-7.5% p.a تک گر گئی ہے۔
مندرجہ بالا مثال کے ساتھ، یہ واضح ہے کہ ڈیبٹ فنڈز کی واپسی کی اوسط شرح فکسڈ ڈپازٹس سے بہتر ہے۔
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طویل مدتی انعقاد کی مدت
طویل مدتی انعقاد کے ساتھ، قرض فنڈز FDs سے بہتر ثابت ہو سکتے ہیں۔
یہاں سرمایہ کاری کے اختیارات یہ ہوں گے:
- طویل مدتی آمدنی کے فنڈز
- طویل مدتی گلٹ،
- کارپوریٹبانڈ فنڈز (زیادہ پیداوار کے فنڈز)، اوپر بیان کردہ مائع کے اختیارات کے علاوہ، الٹرا شارٹ اور شارٹ ٹرم فنڈز بھی استعمال کیے جا سکتے ہیں۔
یہ دیکھتے ہوئے کہ انعقاد کی مدت 3 سال یا اس سے زیادہ ہوسکتی ہے، ہم درج ذیل کہہ سکتے ہیں:
- کے ساتھسرمایہ اشاریہ سازی کے فوائد کے ساتھ 20% پر ٹیکس حاصل کرتا ہے، خالص ٹیکس کے واقعات کم سے کم ہوں گے (تاہم کسی کو ٹیکس کے واقعات کا حساب لگانا چاہیے ٹیکس کے سال کے حساب سے)
- طویل مدتی آمدنی کے فنڈز/گلٹ فنڈز اعلی پیداوار کے ساتھ اور اس کے علاوہ، اگر سود کی شرحیں نیچے جائیں تو بہت زیادہ منافع ملے گا۔
- کوئی بھی ان قرض فنڈز کے ساتھ اعلی دوہرے ہندسے کی واپسی کے ساتھ ختم ہوسکتا ہے۔
لانگ ٹرم انکم فنڈز پر ریٹرن کی ذیل کی مثال لیں، زمرہ کے لیے اوسط آخری 1 سال کا منافع 12.19% ہے اور پچھلے 3 سالوں میں 10.32% p.a. اس مدت میں کوئی بھی ایف ڈی اس جیسی واپسی نہیں دے سکتا تھا۔ گلٹ فنڈ کے منافع اور بھی زیادہ ہیں۔ اسی مدت میں، پچھلے سال FD کی شرح زیادہ تر بینکوں میں 8-8.5% سالانہ کے قریب ہوتی، (اگرچہ آج شرحیں مزید گر کر 6.5 - 7.5% ہو گئی ہیں)
لہذا ایک سرمایہ کار کے ساتھ طویل مدتی ہولڈنگ اور سود کی شرحیں گرنے کے ساتھ، ایک قرض فنڈ (طویل مدتی آمدنی یا گلٹ) FD کے مقابلے میں زیادہ بہتر منافع دے گا۔ یہاں تک کہ شرح سود میں کمی نہ ہونے کی صورت میں بھی، زیادہ پیداوار والے کارپوریٹ بانڈ فنڈز اسی مدت میں ایف ڈی کو مات دے گا۔
قرض میوچل فنڈز اور فکسڈ ڈپازٹس پر ٹیکس
ٹیکسیشن ڈیٹ فنڈز اور فکسڈ ڈپازٹس کے ریٹرن کا تعین کرنے میں بھی اہم کردار ادا کرتا ہے۔ عام طور پر، فکسڈ ڈپازٹس پر ٹیکس 33% (ٹیکس کی معمولی شرح) ہے جب کہ ڈیبٹ فنڈز پر اگر کوئی 3 سال سے کم نظریہ کے ساتھ سرمایہ کاری کرتا ہے تو ڈی ڈی ٹی (ڈیویڈنڈ ڈسٹری بیوشن ٹیکس) کاٹنا بہتر آپشن ہوگا۔ تقریباً 25% پر (+سرچارج وغیرہ)۔ اس سے ظاہر ہوتا ہے کہ ڈیٹ میوچل فنڈز پر ٹیکس فکسڈ ڈپازٹ کے مقابلے نسبتاً کم ہے۔
قرض فنڈز کے ساتھ آنے والے اضافی فوائد یہ ہیں:
- لیکویڈیٹی: رقم 1-2 دنوں کے اندر دستیاب ہو گی۔رہائی
- پیشہ ورانہ انتظام: حکمت عملی کو متحرک طور پر تبدیل کرنے اور بازاروں سے فائدہ اٹھانے کی صلاحیت
- قبل از وقت واپسی کا کوئی جرمانہ نہیں۔
خلاصہ:
| پیرامیٹرز | باہمی چندہ | فکسڈ ڈپازٹس |
|---|---|---|
| واپسی کی شرح | کوئی یقینی واپسی نہیں۔ | فکسڈ ریٹرن |
| مہنگائی ایڈجسٹ ریٹرن | اعلی افراط زر کی ایڈجسٹ شدہ واپسیوں کا امکان | عام طور پر کم افراط زر کی ایڈجسٹ شدہ واپسی |
| خطرہ | کم سے زیادہ خطرہ (فنڈ پر منحصر ہے۔ | کم خطرہ |
| لیکویڈیٹی | مائع | مائع |
| قبل از وقت واپسی | ایگزٹ لوڈ/نو لوڈ کے ساتھ اجازت ہے۔ | جرمانے کے ساتھ اجازت ہے۔ |
| سرمایہ کاری کی لاگت | انتظامی لاگت/خرچ کا تناسب | کوی قیمت نہیں |
سرفہرست 8 بہترین کارکردگی والے قرض فنڈز 2022
مندرجہ بالا خالص اثاثوں/اے یو ایم والے قرض فنڈز کی فہرست ذیل میں ہے۔1000 کروڑ اور 3 سال کے مرکب پر ترتیب دیا گیا (سی اے جی آر) واپسی
(Erstwhile Aditya Birla Sun Life Corporate Bond Fund) The investment objective of the Scheme is to generate returns by predominantly investing in a portfolio of corporate debt securities with short to medium term maturities across the credit spectrum within the investment grade. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Below is the key information for Aditya Birla Sun Life Credit Risk Fund Returns up to 1 year are on 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. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on The fund’s objective is to provide reasonable returns, by maintaining an optimum balance of safety, liquidity and yield, through investments in a basket of debt and money market instruments with a view to delivering consistent performance. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for ICICI Prudential Regular Savings Fund Below is the key information for ICICI Prudential Regular Savings Fund Returns up to 1 year are on (Erstwhile Reliance Regular Savings Fund - Debt Plan) The primary investment objective of this option is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly investments shall predominantly be made in Debt & Money Market Instruments. Research Highlights for Nippon India Credit Risk Fund Below is the key information for Nippon India Credit Risk Fund Returns up to 1 year are on 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 Research Highlights for Kotak Medium Term Fund Below is the key information for Kotak Medium Term Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Corporate 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. Research Highlights for ICICI Prudential Medium Term Bond Fund Below is the key information for ICICI Prudential Medium Term Bond Fund Returns up to 1 year are on (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. Research Highlights for Axis Strategic Bond Fund Below is the key information for Axis Strategic Bond Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Credit Risk Fund
Growth Launch Date 17 Apr 15 NAV (20 Aug 26) ₹25.3675 ↓ -0.04 (-0.14 %) Net Assets (Cr) ₹1,532 on 31 Jul 26 Category Debt - Credit Risk AMC Birla Sun Life Asset Management Co Ltd Rating Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.77 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.98% Effective Maturity 2 Years 9 Months 4 Days Modified Duration 2 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,671 31 Jul 23 ₹11,393 31 Jul 24 ₹12,311 31 Jul 25 ₹14,382 31 Jul 26 ₹16,089 Returns for Aditya Birla Sun Life Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.7% 3 Month 3.1% 6 Month 4.3% 1 Year 12% 3 Year 12.3% 5 Year 10% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.4% 2023 11.9% 2022 6.9% 2021 7.1% 2020 6.4% 2019 9.4% 2018 2.1% 2017 6.6% 2016 8.1% 2015 10.3% Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
Name Since Tenure Sunaina Cunha 17 Apr 15 11.3 Yr. Mohit Sharma 6 Aug 20 5.99 Yr. Data below for Aditya Birla Sun Life Credit Risk Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 4.06% Equity 6.62% Debt 88.93% Other 0.39% Debt Sector Allocation
Sector Value Corporate 67.96% Government 20.97% Cash Equivalent 4.06% Credit Quality
Rating Value A 16.95% AA 45.98% AAA 37.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -7% ₹106 Cr 10,500,000
↑ 10,500,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹75 Cr 7,500 Jubilant Bevco Limited
Debentures | -5% ₹72 Cr 6,500 Jtpm Metal TRaders Limited
Debentures | -4% ₹58 Cr 5,377 GMR Airports Limited
Debentures | -4% ₹55 Cr 5,200 Rec Limited
Debentures | -3% ₹50 Cr 5,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -3% ₹49 Cr 5,000 Tata Capital Housing Finance Ltd. 7.79%
Debentures | -3% ₹45 Cr 4,467 Hinduja Leyland Finance Limited
Debentures | -2% ₹35 Cr 3,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹34 Cr 3,500 2. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (20 Aug 26) ₹43.7505 ↓ -0.08 (-0.18 %) Net Assets (Cr) ₹3,280 on 31 Jul 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.1 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 8.05% Effective Maturity 4 Years 7 Months 24 Days Modified Duration 3 Years 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹12,395 31 Jul 23 ₹13,292 31 Jul 24 ₹14,325 31 Jul 25 ₹16,281 31 Jul 26 ₹17,656 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 3.1% 6 Month 3.5% 1 Year 8.7% 3 Year 10% 5 Year 12% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 2023 10.5% 2022 6.9% 2021 24.8% 2020 7.1% 2019 8.1% 2018 -4.4% 2017 5.6% 2016 7% 2015 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.92 Yr. Mohit Sharma 6 Aug 20 5.99 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 3.22% Equity 4.16% Debt 92.38% Other 0.23% Debt Sector Allocation
Sector Value Corporate 60.75% Government 31.63% Cash Equivalent 3.22% Credit Quality
Rating Value A 14.94% AA 37.18% AAA 47.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -12% ₹400 Cr 39,500,000
↑ 39,500,000 Bajaj Housing Finance Limited
Debentures | -5% ₹153 Cr 15,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹124 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹113 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -3% ₹109 Cr 11,000 Oxyzo Financial Services Limited
Debentures | -3% ₹89 Cr 9,000 GMR Airports Limited
Debentures | -3% ₹84 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹82 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹82 Cr 7,673 Kogta Financial (India) Limited
Debentures | -2% ₹72 Cr 7,250 3. ICICI Prudential Regular Savings Fund
ICICI Prudential Regular Savings Fund
Growth Launch Date 3 Dec 10 NAV (20 Aug 26) ₹34.7795 ↓ -0.04 (-0.11 %) Net Assets (Cr) ₹6,320 on 31 Jul 26 Category Debt - Credit Risk AMC ICICI Prudential Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 1.43 Sharpe Ratio 1.3 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Yield to Maturity 8.35% Effective Maturity 3 Years 2 Months 8 Days Modified Duration 2 Years 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,485 31 Jul 23 ₹11,193 31 Jul 24 ₹12,088 31 Jul 25 ₹13,217 31 Jul 26 ₹14,258 Returns for ICICI Prudential Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.8% 3 Month 2.9% 6 Month 3.8% 1 Year 8.1% 3 Year 8.5% 5 Year 7.4% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.5% 2023 8.5% 2022 7.2% 2021 5.1% 2020 6.2% 2019 9.8% 2018 9.5% 2017 6.6% 2016 6.8% 2015 9.5% Fund Manager information for ICICI Prudential Regular Savings Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.74 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Regular Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 6.05% Equity 9.16% Debt 84.41% Other 0.38% Debt Sector Allocation
Sector Value Corporate 68.18% Government 17.38% Cash Equivalent 4.89% Credit Quality
Rating Value A 17.79% AA 59.68% AAA 22.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹247 Cr 24,464,800
↑ 6,926,400 Jtpm Metal TRaders Limited
Debentures | -4% ₹246 Cr 23,000 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹220 Cr 4,945,239
↓ -409,921 Vedanta Limited
Debentures | -3% ₹201 Cr 20,000 Adani Enterprises Limited
Debentures | -3% ₹200 Cr 20,000 Keystone Realtors Limited
Debentures | -3% ₹199 Cr 23,500 Truhome Finance Ltd.
Debentures | -3% ₹197 Cr 20,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -3% ₹186 Cr 18,500 Adani Power Limited
Debentures | -3% ₹174 Cr 17,500 Nirma Limited
Debentures | -2% ₹150 Cr 15,000 4. Nippon India Credit Risk Fund
Nippon India Credit Risk Fund
Growth Launch Date 8 Jun 05 NAV (20 Aug 26) ₹37.9902 ↓ -0.05 (-0.13 %) Net Assets (Cr) ₹1,556 on 31 Jul 26 Category Debt - Credit Risk AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 8.54% Effective Maturity 2 Years 3 Months 14 Days Modified Duration 1 Year 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,421 31 Jul 23 ₹11,194 31 Jul 24 ₹12,062 31 Jul 25 ₹13,238 31 Jul 26 ₹14,176 Returns for Nippon India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.6% 3 Month 2.7% 6 Month 3.6% 1 Year 7.1% 3 Year 8.2% 5 Year 7.1% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 8.3% 2022 7.9% 2021 3.9% 2020 13.5% 2019 -5.9% 2018 1.9% 2017 6.1% 2016 7% 2015 10% Fund Manager information for Nippon India Credit Risk Fund
Name Since Tenure Kinjal Desai 25 May 18 8.19 Yr. Sushil Budhia 1 Feb 20 6.5 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Credit Risk Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 9.79% Debt 90.01% Other 0.21% Debt Sector Allocation
Sector Value Corporate 76.15% Government 17.08% Cash Equivalent 6.57% Credit Quality
Rating Value A 19.53% AA 41.83% AAA 38.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.02% Govt Stock 2031
Sovereign Bonds | -5% ₹77 Cr 7,500,000 Triumph Composites Private Limited
Debentures | -4% ₹60 Cr 6,000 Aditya Birla Real Estate Limited
Debentures | -4% ₹56 Cr 5,500 Delhi International Airport Limited
Debentures | -3% ₹52 Cr 5,000 Mindspace Business Parks Reit
Debentures | -3% ₹50 Cr 5,000 HDFC Bank Ltd.
Debentures | -3% ₹48 Cr 1,000 Muthoot Fincorp Limited
Debentures | -3% ₹45 Cr 45,000 TRuhome Finance Limited
Debentures | -3% ₹41 Cr 4,000 Navi Finserv Limited
Debentures | -3% ₹40 Cr 40,000 GAursons India Private Limited
Debentures | -3% ₹40 Cr 4,000 5. Kotak Medium Term Fund
Kotak Medium Term Fund
Growth Launch Date 25 Mar 14 NAV (20 Aug 26) ₹24.505 ↓ -0.05 (-0.19 %) Net Assets (Cr) ₹1,915 on 31 Jul 26 Category Debt - Medium term Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.63 Sharpe Ratio 0.34 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 8.2% Effective Maturity 4 Years 9 Months 22 Days Modified Duration 2 Years 11 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,314 31 Jul 23 ₹10,895 31 Jul 24 ₹11,784 31 Jul 25 ₹12,886 31 Jul 26 ₹13,724 Returns for Kotak Medium Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 3% 6 Month 2.9% 1 Year 6.8% 3 Year 8.1% 5 Year 6.5% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 9% 2022 6.1% 2021 3.2% 2020 4.7% 2019 8.5% 2018 7% 2017 5.4% 2016 6.6% 2015 10.9% Fund Manager information for Kotak Medium Term Fund
Name Since Tenure Deepak Agrawal 25 Mar 14 12.36 Yr. Vihag Mishra 1 Jun 25 1.17 Yr. Data below for Kotak Medium Term Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 2.54% Equity 9.76% Debt 87.39% Other 0.31% Debt Sector Allocation
Sector Value Corporate 72.98% Government 14.41% Cash Equivalent 2.54% Credit Quality
Rating Value A 8.61% AA 55.13% AAA 36.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jtpm Metal TRaders Limited
Debentures | -6% ₹107 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -5% ₹99 Cr 10,000 Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -5% ₹90 Cr 9,000 Adani Power Limited
Debentures | -5% ₹90 Cr 9,000 Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | 5426024% ₹79 Cr 1,788,346 TATA Steel Limited
Debentures | -4% ₹75 Cr 750 360 One Prime Limited
Debentures | -4% ₹75 Cr 7,500 Mas Financial Services Ltd.
Debentures | -4% ₹74 Cr 7,500
↑ 7,500 Aditya Birla Renewables Limited
Debentures | -3% ₹60 Cr 6,000 7.71% Govt Stock 2066
Sovereign Bonds | -3% ₹57 Cr 5,500,000
↑ 5,500,000 6. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (20 Aug 26) ₹49.7005 ↓ -0.08 (-0.16 %) Net Assets (Cr) ₹2,181 on 31 Jul 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.93 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 8.38% Effective Maturity 3 Years 18 Days Modified Duration 2 Years 3 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,364 31 Jul 23 ₹11,210 31 Jul 24 ₹12,063 31 Jul 25 ₹13,111 31 Jul 26 ₹14,057 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 1% 3 Month 3.6% 6 Month 4.6% 1 Year 7.9% 3 Year 8% 5 Year 7.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 8.1% 2022 8.3% 2021 4.2% 2020 5% 2019 9.8% 2018 6.5% 2017 6.2% 2016 6.9% 2015 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 9.5 Yr. Prashanth Sridhar 1 Jul 26 0.08 Yr. Data below for SBI Credit Risk Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 8.93% Equity 6.49% Debt 84.19% Other 0.39% Debt Sector Allocation
Sector Value Corporate 66.66% Government 14.41% Cash Equivalent 8.93% Securitized 3.11% Credit Quality
Rating Value A 14.09% AA 58.95% AAA 26.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹100 Cr 11,000 Lodha Developers Limited
Debentures | -5% ₹100 Cr 10,000 Tata Projects Limited
Debentures | -5% ₹100 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 H.G. Infra Engineering Limited
Debentures | -5% ₹99 Cr 10,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹96 Cr 9,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹78 Cr 8,000,000
↓ -2,000,000 Jsw Kalinga Steel Limited
Debentures | -4% ₹77 Cr 7,500 Aditya Birla Renewables Limited
Debentures | -3% ₹75 Cr 7,500 7. ICICI Prudential Medium Term Bond Fund
ICICI Prudential Medium Term Bond Fund
Growth Launch Date 15 Sep 04 NAV (20 Aug 26) ₹48.5748 ↓ -0.08 (-0.15 %) Net Assets (Cr) ₹5,481 on 31 Jul 26 Category Debt - Medium term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk Moderate Expense Ratio 1.37 Sharpe Ratio 0.58 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 8.06% Effective Maturity 6 Years 3 Months 29 Days Modified Duration 3 Years 4 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,372 31 Jul 23 ₹11,087 31 Jul 24 ₹11,907 31 Jul 25 ₹13,011 31 Jul 26 ₹13,913 Returns for ICICI Prudential Medium Term Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.6% 3 Month 3% 6 Month 3.5% 1 Year 7.4% 3 Year 8% 5 Year 6.8% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 9% 2023 8% 2022 7% 2021 4.2% 2020 5.5% 2019 10.4% 2018 9.2% 2017 5.1% 2016 6.5% 2015 10.2% Fund Manager information for ICICI Prudential Medium Term Bond Fund
Name Since Tenure Manish Banthia 7 Nov 16 9.74 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Medium Term Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 4.79% Equity 9.21% Debt 85.65% Other 0.35% Debt Sector Allocation
Sector Value Corporate 65.2% Government 20.45% Cash Equivalent 4.79% Credit Quality
Rating Value AA 67.36% AAA 32.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹201 Cr 19,854,300
↑ 4,815,900 Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 5426024% ₹200 Cr 4,512,980
↓ -165,880 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹184 Cr 18,801,500 Adani Enterprises Limited
Debentures | -3% ₹175 Cr 17,500 Vedanta Limited
Debentures | -3% ₹171 Cr 17,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹162 Cr 17,500,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹160 Cr 15,000 Oberoi Realty Limited
Debentures | -3% ₹150 Cr 15,000 TATA Projects Limited
Debentures | -3% ₹150 Cr 15,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹148 Cr 150 8. Axis Strategic Bond Fund
Axis Strategic Bond Fund
Growth Launch Date 28 Mar 12 NAV (20 Aug 26) ₹30.1214 ↓ -0.05 (-0.18 %) Net Assets (Cr) ₹2,098 on 31 Jul 26 Category Debt - Medium term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.08 Sharpe Ratio 0.33 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 8.02% Effective Maturity 4 Years 11 Months 1 Day Modified Duration 3 Years 3 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,370 31 Jul 23 ₹11,088 31 Jul 24 ₹11,963 31 Jul 25 ₹13,075 31 Jul 26 ₹13,902 Returns for Axis Strategic Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 3% 6 Month 3.4% 1 Year 6.6% 3 Year 7.9% 5 Year 6.8% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 8.7% 2022 7.3% 2021 3.8% 2020 5.2% 2019 10.5% 2018 7.1% 2017 6.7% 2016 7.5% 2015 11.6% Fund Manager information for Axis Strategic Bond Fund
Name Since Tenure Devang Shah 5 Nov 12 13.74 Yr. Sachin Jain 1 Feb 23 3.5 Yr. Akhil Thakker 1 Feb 23 3.5 Yr. Data below for Axis Strategic Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 2.52% Equity 3.52% Debt 93.67% Other 0.3% Debt Sector Allocation
Sector Value Corporate 67.67% Government 26% Cash Equivalent 2.52% Credit Quality
Rating Value A 12.23% AA 52.94% AAA 34.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.94% Govt Stock 2036
Sovereign Bonds | -12% ₹250 Cr 24,750,000
↑ 4,500,000 Jubilant Beverages Limited
Debentures | -3% ₹72 Cr 6,500 GMR Hyderabad International Airport Ltd
Debentures | -3% ₹67 Cr 6,500 Tamilnadu State Development Loans
Sovereign Bonds | -3% ₹63 Cr 6,358,600 Jubilant Bevco Limited
Debentures | -3% ₹61 Cr 5,500 Vedanta Limited
Debentures | -3% ₹60 Cr 6,000 Adani Power Limited
Debentures | -3% ₹60 Cr 6,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹58 Cr 5,800 Delhi International Airport Limited
Debentures | -3% ₹57 Cr 5,500 Aditya Birla Digital Fashion Ventures Limited
Debentures | -3% ₹55 Cr 5,500
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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