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:

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

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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Sunaina Cunha	17 Apr 15	10.38 Yr.
Mohit Sharma	6 Aug 20	5.07 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.84%
Equity	7.64%
Debt	86.2%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	68.82%
Government	17.37%
Cash Equivalent	5.84%

Credit Quality

Rating	Value
A	4.22%
AA	69.07%
AAA	26.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	7%	₹71 Cr	7,000,000
JSW Steel Limited Debentures \| -	5%	₹55 Cr	550
Aditya Birla Real Estate Limited Debentures \| -	4%	₹45 Cr	4,500
GMR Airports Limited Debentures \| -	4%	₹37 Cr	3,700
7.18% Govt Stock 2037 Sovereign Bonds \| -	3%	₹36 Cr	3,500,000
9.40% Ikf Finance Ltd (12/08/2027) ** Debentures \| -	3%	₹35 Cr	3,500 ↑ 3,500
Jubilant Bevco Limited Debentures \| -	3%	₹31 Cr	3,000
Narayana Hrudayalaya Limited Debentures \| -	3%	₹30 Cr	3,000
360 One Prime Limited Debentures \| -	3%	₹30 Cr	3,000
JSW Energy Limited Debentures \| -	3%	₹30 Cr	3,000

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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	11.01 Yr.
Mohit Sharma	6 Aug 20	5.07 Yr.

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

Asset Allocation

Asset Class	Value
Cash	6.08%
Equity	4.1%
Debt	89.57%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	54.88%
Government	34.68%
Cash Equivalent	6.08%

Credit Quality

Rating	Value
A	3.19%
AA	42.18%
AAA	54.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹223 Cr	22,000,000 ↑ 5,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹204 Cr	19,696,700 ↑ 1,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹192 Cr	18,500,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹96 Cr	9,500
GMR Airports Limited Debentures \| -	3%	₹80 Cr	8,000
Jubilant Bevco Limited Debentures \| -	3%	₹77 Cr	7,400
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹75 Cr	7,500
National Bank For Financing Infrastructure And Development Debentures \| -	2%	₹71 Cr	7,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹69 Cr	7,000
360 One Prime Limited Debentures \| -	2%	₹66 Cr	6,500

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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Manish Banthia	22 Jan 24	1.61 Yr.
Raunak Surana	22 Jan 24	1.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.9%
Debt	97.1%

Debt Sector Allocation

Sector	Value
Government	97.1%
Cash Equivalent	2.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	25%	₹654 Cr	63,219,850 ↑ 1,500,000
6.64% Govt Stock 2035 Sovereign Bonds \| -	24%	₹634 Cr	63,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	16%	₹418 Cr	40,500,000 ↑ 10,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	15%	₹384 Cr	37,874,500 ↓ -19,500,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	11%	₹285 Cr	27,000,000 ↑ 15,000,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	3%	₹65 Cr	6,500,000
6.19% Govt Stock 2034 Sovereign Bonds \| -	2%	₹49 Cr	5,000,000
6.67% Govt Stock 2035 Sovereign Bonds \| -	1%	₹25 Cr	2,500,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	0%	₹4 Cr	413,500
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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Manish Banthia	7 Nov 16	8.82 Yr.
Akhil Kakkar	22 Jan 24	1.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.92%
Equity	8.21%
Debt	85.5%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	72.4%
Government	14.3%
Cash Equivalent	4.72%

Credit Quality

Rating	Value
A	16.3%
AA	59.05%
AAA	23.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	5%	₹328 Cr	31,767,530
Embassy Office Parks REIT (Real Estate) -, Since 30 Apr 25 \| 542602	4%	₹247 Cr	6,030,181
Millennia Realtors Private Limited Debentures \| -	4%	₹211 Cr	2,100
Vedanta Limited Debentures \| -	3%	₹201 Cr	20,000
Varroc Engineering Limited Debentures \| -	3%	₹188 Cr	25,000
Bamboo Hotel And Global Centre (Delhi) Private Limited Debentures \| -	3%	₹188 Cr	18,500
Aadhar Housing Finance Limited Debentures \| -	3%	₹177 Cr	17,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹168 Cr	16,539,430
Nirma Limited Debentures \| -	3%	₹152 Cr	15,000
Lodha Developers Limited Debentures \| -	2%	₹150 Cr	15,000

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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Sudhir Agarwal	1 Jul 25	0.17 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.61%
Debt	97.39%

Debt Sector Allocation

Sector	Value
Government	97.39%
Cash Equivalent	2.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	66%	₹1,246 Cr	120,500,000 ↓ -6,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	27%	₹506 Cr	48,999,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹66 Cr	6,500,000 ↑ 6,500,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	1%	₹15 Cr	1,500,000 ↑ 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.

Date	Value
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

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

Duration	Returns
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

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

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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Devang Shah	5 Nov 12	12.83 Yr.
Sachin Jain	1 Feb 23	2.58 Yr.
Akhil Thakker	1 Feb 23	2.58 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.59%
Equity	0.88%
Debt	95.23%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.86%
Government	26.74%
Cash Equivalent	3.59%
Securitized	2.63%

Credit Quality

Rating	Value
A	9.54%
AA	49.37%
AAA	41.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹219 Cr	21,200,000 ↓ -500,000
Jubilant Beverages Limited Debentures \| -	4%	₹68 Cr	6,500
Delhi International Airport Limited Debentures \| -	3%	₹66 Cr	6,500
GMR Hyderabad International Airport Ltd Debentures \| -	3%	₹66 Cr	6,500
Nirma Limited Debentures \| -	3%	₹61 Cr	6,000
Vedanta Limited Debentures \| -	3%	₹60 Cr	6,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹58 Cr	5,800
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹56 Cr	5,531,900
Dlf Cyber City Developers Ltd Debentures \| -	3%	₹56 Cr	5,500
Aditya Birla Digital Fashion Ventures Limited Debentures \| -	3%	₹55 Cr	5,500

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.

Date	Value
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

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

Duration	Returns
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

Year	Returns
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

Name	Since	Tenure
Lokesh Mallya	1 Feb 17	8.59 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.16%
Equity	3.01%
Debt	91.46%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	69.63%
Government	21.83%
Cash Equivalent	5.16%

Credit Quality

Rating	Value
A	20.2%
AA	64.02%
AAA	15.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	7%	₹151 Cr	15,000,000
Aadhar Housing Finance Limited Debentures \| -	5%	₹113 Cr	11,200
6.79% Govt Stock 2034 Sovereign Bonds \| -	5%	₹107 Cr	10,500,000 ↑ 2,500,000
Infopark Properties Limited Debentures \| -	5%	₹106 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹106 Cr	11,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹102 Cr	10,000 ↑ 10,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹100 Cr	10,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹83 Cr	8,500
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000

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۔