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ایف ڈی بمقابلہ ڈیبٹ میوچل فنڈ

Updated on October 14, 2025 , 8028 views

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:

FD-Vs-Debt-Fund

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)

Last-1-Year-Return(%)-of-Long-Term-Income-Funds

Last-1-Year-Returns-of-Long-term-Gilt-Funds

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

1. Aditya Birla Sun Life Credit Risk Fund

(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.

Research Highlights for Aditya Birla Sun Life Credit Risk Fund

  • Bottom quartile AUM (₹1,044 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 13.38% (top quartile).
  • 1M return: 0.97% (upper mid).
  • Sharpe: 2.29 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.78% (upper mid).
  • Modified duration: 2.10 yrs (top quartile).
  • Average maturity: 3.12 yrs (top quartile).
  • Exit load: 0-365 Days (1%),365 Days and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~86%).
  • High-quality debt (AAA/AA ~96%).
  • Largest holding 6.79% Govt Stock 2034 (~6.8%).

Below is the key information for Aditya Birla Sun Life Credit Risk Fund

Aditya Birla Sun Life Credit Risk Fund
Growth
Launch Date 17 Apr 15
NAV (17 Oct 25) ₹23.008 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹1,044 on 15 Sep 25
Category Debt - Credit Risk
AMC Birla Sun Life Asset Management Co Ltd
Rating Not Rated
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio 2.29
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 7.78%
Effective Maturity 3 Years 1 Month 13 Days
Modified Duration 2 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,843
30 Sep 22₹11,533
30 Sep 23₹12,341
30 Sep 24₹13,481
30 Sep 25₹15,632

Aditya Birla Sun Life Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for Aditya Birla Sun Life Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

DurationReturns
1 Month 1%
3 Month 2.2%
6 Month 5%
1 Year 13.4%
3 Year 10.8%
5 Year 9.2%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11.9%
2023 6.9%
2022 7.1%
2021 6.4%
2020 9.4%
2019 2.1%
2018 6.6%
2017 8.1%
2016 10.3%
2015
Fund Manager information for Aditya Birla Sun Life Credit Risk Fund
NameSinceTenure
Sunaina Cunha17 Apr 1510.38 Yr.
Mohit Sharma6 Aug 205.07 Yr.

Data below for Aditya Birla Sun Life Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.84%
Equity7.64%
Debt86.2%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate68.82%
Government17.37%
Cash Equivalent5.84%
Credit Quality
RatingValue
A4.22%
AA69.07%
AAA26.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
7%₹71 Cr7,000,000
JSW Steel Limited
Debentures | -
5%₹55 Cr550
Aditya Birla Real Estate Limited
Debentures | -
4%₹45 Cr4,500
GMR Airports Limited
Debentures | -
4%₹37 Cr3,700
7.18% Govt Stock 2037
Sovereign Bonds | -
3%₹36 Cr3,500,000
9.40% Ikf Finance Ltd (12/08/2027) **
Debentures | -
3%₹35 Cr3,500
↑ 3,500
Jubilant Bevco Limited
Debentures | -
3%₹31 Cr3,000
Narayana Hrudayalaya Limited
Debentures | -
3%₹30 Cr3,000
360 One Prime Limited
Debentures | -
3%₹30 Cr3,000
JSW Energy Limited
Debentures | -
3%₹30 Cr3,000

2. 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.

Research Highlights for Aditya Birla Sun Life Medium Term Plan

  • Top quartile AUM (₹2,876 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 11.12% (top quartile).
  • 1M return: 1.02% (top quartile).
  • Sharpe: 2.36 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.51% (lower mid).
  • Modified duration: 3.38 yrs (lower mid).
  • Average maturity: 4.56 yrs (upper mid).
  • Exit load: 0-365 Days (1%),365 Days and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~90%).
  • High-quality debt (AAA/AA ~97%).
  • Largest holding 6.79% Govt Stock 2034 (~7.8%).

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 (17 Oct 25) ₹40.8545 ↑ 0.03   (0.07 %)
Net Assets (Cr) ₹2,876 on 15 Sep 25
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.57
Sharpe Ratio 2.36
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 7.51%
Effective Maturity 4 Years 6 Months 22 Days
Modified Duration 3 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,847
30 Sep 22₹13,395
30 Sep 23₹14,355
30 Sep 24₹15,641
30 Sep 25₹17,586

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 ₹215,396.
Net Profit of ₹35,396
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 17 Oct 25

DurationReturns
1 Month 1%
3 Month 1.7%
6 Month 4.1%
1 Year 11.1%
3 Year 9.7%
5 Year 11.9%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 10.5%
2023 6.9%
2022 24.8%
2021 7.1%
2020 8.1%
2019 -4.4%
2018 5.6%
2017 7%
2016 10.9%
2015 9.5%
Fund Manager information for Aditya Birla Sun Life Medium Term Plan
NameSinceTenure
Sunaina Cunha1 Sep 1411.01 Yr.
Mohit Sharma6 Aug 205.07 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash6.08%
Equity4.1%
Debt89.57%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate54.88%
Government34.68%
Cash Equivalent6.08%
Credit Quality
RatingValue
A3.19%
AA42.18%
AAA54.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹223 Cr22,000,000
↑ 5,500,000
7.1% Govt Stock 2034
Sovereign Bonds | -
7%₹204 Cr19,696,700
↑ 1,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
7%₹192 Cr18,500,000
Nuvama Wealth Finance Limited
Debentures | -
3%₹96 Cr9,500
GMR Airports Limited
Debentures | -
3%₹80 Cr8,000
Jubilant Bevco Limited
Debentures | -
3%₹77 Cr7,400
Indian Railway Finance Corporation Limited
Debentures | -
3%₹75 Cr7,500
National Bank For Financing Infrastructure And Development
Debentures | -
2%₹71 Cr7,000
Power Grid Corporation Of India Limited
Debentures | -
2%₹69 Cr7,000
360 One Prime Limited
Debentures | -
2%₹66 Cr6,500

3. ICICI Prudential Constant Maturity Gilt Fund

The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Constant Maturity Gilt Fund

  • Upper mid AUM (₹2,594 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.05% (lower mid).
  • 1M return: 0.71% (bottom quartile).
  • Sharpe: 0.41 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 6.71 yrs (bottom quartile).
  • Average maturity: 9.53 yrs (bottom quartile).
  • Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.1% Govt Stock 2034 (~25.2%).
  • Top-3 holdings concentration ~65.8%.

Below is the key information for ICICI Prudential Constant Maturity Gilt Fund

ICICI Prudential Constant Maturity Gilt Fund
Growth
Launch Date 12 Sep 14
NAV (17 Oct 25) ₹25.0544 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹2,594 on 15 Sep 25
Category Debt - 10 Yr Govt Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.39
Sharpe Ratio 0.41
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity 6.81%
Effective Maturity 9 Years 6 Months 11 Days
Modified Duration 6 Years 8 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,570
30 Sep 22₹10,480
30 Sep 23₹11,306
30 Sep 24₹12,430
30 Sep 25₹13,343

ICICI Prudential Constant Maturity Gilt 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 ICICI Prudential Constant Maturity Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

DurationReturns
1 Month 0.7%
3 Month 0.4%
6 Month 2%
1 Year 8.1%
3 Year 8.8%
5 Year 5.8%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.3%
2023 7.7%
2022 1.2%
2021 2.8%
2020 13.6%
2019 12.8%
2018 9.7%
2017 2.4%
2016 16.2%
2015 6.9%
Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
NameSinceTenure
Manish Banthia22 Jan 241.61 Yr.
Raunak Surana22 Jan 241.61 Yr.

Data below for ICICI Prudential Constant Maturity Gilt Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash2.9%
Debt97.1%
Debt Sector Allocation
SectorValue
Government97.1%
Cash Equivalent2.9%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
25%₹654 Cr63,219,850
↑ 1,500,000
6.64% Govt Stock 2035
Sovereign Bonds | -
24%₹634 Cr63,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
16%₹418 Cr40,500,000
↑ 10,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
15%₹384 Cr37,874,500
↓ -19,500,000
7.41% Govt Stock 2036
Sovereign Bonds | -
11%₹285 Cr27,000,000
↑ 15,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
3%₹65 Cr6,500,000
6.19% Govt Stock 2034
Sovereign Bonds | -
2%₹49 Cr5,000,000
6.67% Govt Stock 2035
Sovereign Bonds | -
1%₹25 Cr2,500,000
6.33% Govt Stock 2035
Sovereign Bonds | -
0%₹4 Cr413,500
Net Current Assets
Net Current Assets | -
1%₹39 Cr

4. ICICI Prudential Regular Savings Fund

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

  • Highest AUM (₹6,013 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 9.12% (upper mid).
  • 1M return: 0.89% (lower mid).
  • Sharpe: 1.90 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 8.07% (top quartile).
  • Modified duration: 2.15 yrs (top quartile).
  • Average maturity: 3.27 yrs (upper mid).
  • Exit load: 0-1 Years (1%),1 Years and above(NIL).
  • Top sector: Real Estate.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~85%).
  • High-quality debt (AAA/AA ~83%).
  • Largest holding 7.1% Govt Stock 2034 (~5.5%).

Below is the key information for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund
Growth
Launch Date 3 Dec 10
NAV (17 Oct 25) ₹32.7077 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹6,013 on 15 Sep 25
Category Debt - Credit Risk
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.43
Sharpe Ratio 1.9
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 8.07%
Effective Maturity 3 Years 3 Months 7 Days
Modified Duration 2 Years 1 Month 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,785
30 Sep 22₹11,266
30 Sep 23₹12,047
30 Sep 24₹13,126
30 Sep 25₹14,307

ICICI Prudential Regular Savings 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 ICICI Prudential Regular Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

DurationReturns
1 Month 0.9%
3 Month 2.2%
6 Month 4.8%
1 Year 9.1%
3 Year 8.5%
5 Year 7.4%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.5%
2023 7.2%
2022 5.1%
2021 6.2%
2020 9.8%
2019 9.5%
2018 6.6%
2017 6.8%
2016 9.5%
2015 9%
Fund Manager information for ICICI Prudential Regular Savings Fund
NameSinceTenure
Manish Banthia7 Nov 168.82 Yr.
Akhil Kakkar22 Jan 241.61 Yr.

Data below for ICICI Prudential Regular Savings Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.92%
Equity8.21%
Debt85.5%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate72.4%
Government14.3%
Cash Equivalent4.72%
Credit Quality
RatingValue
A16.3%
AA59.05%
AAA23.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
5%₹328 Cr31,767,530
Embassy Office Parks REIT (Real Estate)
-, Since 30 Apr 25 | 542602
4%₹247 Cr6,030,181
Millennia Realtors Private Limited
Debentures | -
4%₹211 Cr2,100
Vedanta Limited
Debentures | -
3%₹201 Cr20,000
Varroc Engineering Limited
Debentures | -
3%₹188 Cr25,000
Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -
3%₹188 Cr18,500
Aadhar Housing Finance Limited
Debentures | -
3%₹177 Cr17,500
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹168 Cr16,539,430
Nirma Limited
Debentures | -
3%₹152 Cr15,000
Lodha Developers Limited
Debentures | -
2%₹150 Cr15,000

5. SBI Magnum Constant Maturity Fund

(Erstwhile SBI Magnum Gilt Fund Short Term)

To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt.

Research Highlights for SBI Magnum Constant Maturity Fund

  • Lower mid AUM (₹1,882 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.34% (bottom quartile).
  • 1M return: 0.64% (bottom quartile).
  • Sharpe: 0.17 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.87% (bottom quartile).
  • Modified duration: 6.67 yrs (lower mid).
  • Average maturity: 9.49 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.1% Govt Stock 2034 (~66.2%).
  • Top-3 holdings concentration ~96.6%.

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund
Growth
Launch Date 30 Dec 00
NAV (17 Oct 25) ₹64.4578 ↓ -0.06   (-0.09 %)
Net Assets (Cr) ₹1,882 on 31 Aug 25
Category Debt - 10 Yr Govt Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.63
Sharpe Ratio 0.17
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.87%
Effective Maturity 9 Years 5 Months 26 Days
Modified Duration 6 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,501
30 Sep 22₹10,450
30 Sep 23₹11,243
30 Sep 24₹12,380
30 Sep 25₹13,175

SBI Magnum Constant Maturity 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 SBI Magnum Constant Maturity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

DurationReturns
1 Month 0.6%
3 Month 0.4%
6 Month 1.7%
1 Year 7.3%
3 Year 8.4%
5 Year 5.6%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.1%
2023 7.5%
2022 1.3%
2021 2.4%
2020 11.6%
2019 11.9%
2018 9.9%
2017 6.2%
2016 12.8%
2015 9.1%
Fund Manager information for SBI Magnum Constant Maturity Fund
NameSinceTenure
Sudhir Agarwal1 Jul 250.17 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.61%
Debt97.39%
Debt Sector Allocation
SectorValue
Government97.39%
Cash Equivalent2.61%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
66%₹1,246 Cr120,500,000
↓ -6,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
27%₹506 Cr48,999,500
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹66 Cr6,500,000
↑ 6,500,000
6.33% Govt Stock 2035
Sovereign Bonds | -
1%₹15 Cr1,500,000
↑ 1,000,000
Net Receivable / Payable
CBLO | -
2%₹46 Cr
Treps
CBLO/Reverse Repo | -
0%₹3 Cr

6. 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

  • Bottom quartile AUM (₹1,129 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.02% (bottom quartile).
  • 1M return: 1.80% (top quartile).
  • Sharpe: -0.16 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.43% (lower mid).
  • Modified duration: 9.59 yrs (bottom quartile).
  • Average maturity: 26.30 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • 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 (17 Oct 25) ₹91.1001 ↓ -0.03   (-0.04 %)
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.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,328
30 Sep 22₹10,266
30 Sep 23₹10,966
30 Sep 24₹12,132
30 Sep 25₹12,824

ICICI Prudential Long Term 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 ₹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 17 Oct 25

DurationReturns
1 Month 1.8%
3 Month 0.6%
6 Month 1.4%
1 Year 7%
3 Year 8.3%
5 Year 5.1%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia22 Jan 241.61 Yr.
Raunak Surana22 Jan 241.61 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.59%
Debt96.13%
Other0.28%
Debt Sector Allocation
SectorValue
Government81.5%
Corporate14.63%
Cash Equivalent3.59%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
34%₹379 Cr37,701,500
6.9% Govt Stock 2065
Sovereign Bonds | -
8%₹95 Cr10,000,000
7.24% Govt Stock 2055
Sovereign Bonds | -
8%₹86 Cr8,538,300
Maharashtra (Government of)
- | -
6%₹72 Cr7,500,000
The Great Eastern Shipping Company Limited
Debentures | -
5%₹54 Cr536
LIC Housing Finance Ltd
Debentures | -
5%₹51 Cr500
7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -
4%₹49 Cr4,960,700
Maharashtra (Government of)
- | -
4%₹49 Cr5,000,000
Maharashtra (Government of)
- | -
4%₹48 Cr5,000,000
7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -
4%₹40 Cr4,000,000

7. 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.

Research Highlights for Axis Strategic Bond Fund

  • Lower mid AUM (₹1,902 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.62% (upper mid).
  • 1M return: 0.92% (upper mid).
  • Sharpe: 1.24 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.82% (upper mid).
  • Modified duration: 3.33 yrs (upper mid).
  • Average maturity: 4.59 yrs (lower mid).
  • Exit load: 0-12 Months (1%),12 Months and above(NIL).
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~90%).
  • Largest holding 7.1% Govt Stock 2034 (~11.5%).

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund
Growth
Launch Date 28 Mar 12
NAV (17 Oct 25) ₹28.6513 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹1,902 on 15 Sep 25
Category Debt - Medium term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.08
Sharpe Ratio 1.24
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 7.82%
Effective Maturity 4 Years 7 Months 2 Days
Modified Duration 3 Years 3 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,742
30 Sep 22₹11,067
30 Sep 23₹11,845
30 Sep 24₹12,893
30 Sep 25₹13,958

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 17 Oct 25

DurationReturns
1 Month 0.9%
3 Month 1.6%
6 Month 3.6%
1 Year 8.6%
3 Year 8.3%
5 Year 6.8%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.7%
2023 7.3%
2022 3.8%
2021 5.2%
2020 10.5%
2019 7.1%
2018 6.7%
2017 7.5%
2016 11.6%
2015 6.8%
Fund Manager information for Axis Strategic Bond Fund
NameSinceTenure
Devang Shah5 Nov 1212.83 Yr.
Sachin Jain1 Feb 232.58 Yr.
Akhil Thakker1 Feb 232.58 Yr.

Data below for Axis Strategic Bond Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash3.59%
Equity0.88%
Debt95.23%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate65.86%
Government26.74%
Cash Equivalent3.59%
Securitized2.63%
Credit Quality
RatingValue
A9.54%
AA49.37%
AAA41.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
12%₹219 Cr21,200,000
↓ -500,000
Jubilant Beverages Limited
Debentures | -
4%₹68 Cr6,500
Delhi International Airport Limited
Debentures | -
3%₹66 Cr6,500
GMR Hyderabad International Airport Ltd
Debentures | -
3%₹66 Cr6,500
Nirma Limited
Debentures | -
3%₹61 Cr6,000
Vedanta Limited
Debentures | -
3%₹60 Cr6,000
Nuvama Wealth Finance Limited
Debentures | -
3%₹58 Cr5,800
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹56 Cr5,531,900
Dlf Cyber City Developers Ltd
Debentures | -
3%₹56 Cr5,500
Aditya Birla Digital Fashion Ventures Limited
Debentures | -
3%₹55 Cr5,500

8. SBI Credit Risk Fund

(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

  • Upper mid AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.43% (lower mid).
  • 1M return: 0.76% (lower mid).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (upper mid).
  • Average maturity: 3.05 yrs (top quartile).
  • Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
  • Top sector: Industrials.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~80%).
  • Largest holding 6.92% Govt Stock 2039 (~6.8%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (17 Oct 25) ₹46.6365 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹2,210 on 15 Sep 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 1.72
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 8.17%
Effective Maturity 3 Years 18 Days
Modified Duration 2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,722
30 Sep 22₹11,089
30 Sep 23₹12,006
30 Sep 24₹12,950
30 Sep 25₹14,016

SBI Credit Risk 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 SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.5%
6 Month 3.7%
1 Year 8.4%
3 Year 8.3%
5 Year 6.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 8.3%
2022 4.2%
2021 5%
2020 9.8%
2019 6.5%
2018 6.2%
2017 6.9%
2016 10.5%
2015 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.59 Yr.

Data below for SBI Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.16%
Equity3.01%
Debt91.46%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate69.63%
Government21.83%
Cash Equivalent5.16%
Credit Quality
RatingValue
A20.2%
AA64.02%
AAA15.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹151 Cr15,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹113 Cr11,200
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹107 Cr10,500,000
↑ 2,500,000
Infopark Properties Limited
Debentures | -
5%₹106 Cr10,500
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹106 Cr11,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹102 Cr10,000
↑ 10,000
H.G. Infra Engineering Limited
Debentures | -
5%₹100 Cr10,000
Nj Capital Private Limited
Debentures | -
5%₹99 Cr10,000
The Sandur Manganese And Iron Ores Limited
Debentures | -
4%₹83 Cr8,500
Avanse Financial Services Limited
Debentures | -
4%₹80 Cr8,000

Disclaimer:
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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