طویل مدتی قرض فنڈز قرض کی ایک قسم ہیں۔باہمی چندہ جو کارپوریٹ میں سرمایہ کاری کرتے ہیں۔بانڈز اور سرکاری سیکیورٹیز (g-secs) جن کی پختگی کی مدت طویل ہے۔ ان فنڈز کی اوسط میچورٹی 3 سال سے زیادہ ہوتی ہے، اکثر اوقات۔ اسی لیے، یہ فنڈز ان سرمایہ کاروں کے لیے موزوں ہیں جو وسط سے طویل مدتی بنانا چاہتے ہیں۔سرمایہ کاری کا منصوبہ یعنی، عام طور پر 3-5 سال یا اس سے بھی زیادہ۔ آئیے سمجھتے ہیں کہ طویل مدتی قرض فنڈز کیسے کام کرتے ہیں اور 2022 میں سرمایہ کاری کے لیے بہترین طویل مدتی بانڈ فنڈز کون سے ہیں۔
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طویل مدتی قرض فنڈز اپنی بڑی سرمایہ کاری کرتے ہیں۔زیرِ نظر قرض کے آلات میں اثاثہ جیسے کارپوریٹ ڈیبینچرز، بانڈز اورکرنسی مارکیٹ اعلی میچورٹی مدت کے ساتھ آلات اور سرکاری سیکیورٹی سرمایہ کاروں کو طویل مدتی قرض فنڈز میں سرمایہ کاری کرنی چاہیے اگر ان کے پاس سرمایہ کاری کا وقت 3 سال سے زیادہ ہے۔ اس کے علاوہ، یہ فنڈ صرف ان سرمایہ کاروں کے لیے موزوں ہے جو سرمایہ کاری میں کسی حد تک خطرہ مول لینے کے لیے تیار ہیں۔

طویل مدتی قرض کے فنڈز شرح سود میں ہونے والی تبدیلیوں کے لیے حساس ہوتے ہیں اور قرض کے فنڈز کی دیگر اقسام کے مقابلے زیادہ غیر مستحکم ہوتے ہیں۔ سود کی شرح اور قرض کے آلات کی قیمتیں ایک الٹا تعلق رکھتی ہیں، جس کا مطلب ہے کہ وہ مخالف سمتوں میں چلتے ہیں۔ مثال کے طور پر، سود کی گرتی ہوئی شرح قرض فنڈز یا بانڈ فنڈز کے لیے اچھی ہے۔ طویل مدتیآمدنی فنڈز کو عام طور پر فائدہ ہوتا ہے جب شرح سود نیچے کی طرف بڑھ رہی ہوتی ہے۔ مزید برآں، شرح سود میں کمی کے دوران، بانڈ کی قیمتیں بڑھ جاتی ہیں اور یہ اضافہ ہوتا ہے۔NAVs کےقرض فنڈ سکیمیں
گرتی ہوئی شرح سود کے منظر نامے میں، ایسے بانڈز کی اوسط میچورٹی تقریباً 7-10 سال تک جا سکتی ہے۔ جب شرح سود میں اضافہ ہوتا ہے، تو وہ کم مدتی سیکیورٹیز کا ذخیرہ کرتے ہیں اور پورٹ فولیو کی اوسط میچورٹی کو کم رکھتے ہیں۔
زیادہ تر، طویل مدتی بانڈ فنڈز میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے جب سود کی شرحوں میں کمی کی توقع کی جاتی ہے کیونکہ شرح سود میں کمی طویل مدتی سیکیورٹیز کی قیمتوں میں اضافے کا سبب بنتی ہے۔ وہ سرمایہ کار جو سود کی شرح میں اتار چڑھاؤ سے مطمئن ہیں۔مارکیٹ، صرف ترجیح دینا چاہئےسرمایہ کاری طویل مدتی قرض فنڈز میں.
ان فنڈز کا مقصد حد سے زیادہ منافع دینا ہے۔بینک فکسڈ ڈپازٹس مزید برآں، اگر تین سال سے زائد عرصے تک رکھا جائے، تو ریٹرن زیادہ ٹیکس موثر ہوتے ہیں۔ لیکن، خطرے کی طرف، یہ فنڈز اتار چڑھاؤ کا شکار ہو سکتے ہیں جب شرح سود اچانک سمت بدلتی ہے۔ شرح سود کے مسلسل بڑھتے ہوئے نظام میں، یہ فنڈز معمولی منافع دیتے ہیں کیونکہ وہ طویل مدتی بانڈز فروخت نہیں کر سکتے اور مختصر مدت کے اسکرپٹس پر سوئچ نہیں کر سکتے۔
قرض فنڈز پر ٹیکس کا اطلاق درج ذیل طریقے سے کیا جاتا ہے۔
اگر قرض کی سرمایہ کاری کی مدت 36 ماہ سے کم ہے، تو اسے مختصر مدت کی سرمایہ کاری کے طور پر درجہ بندی کیا جاتا ہے اور ان پر فرد کے ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔
اگر قرض کی سرمایہ کاری کی ہولڈنگ کی مدت 36 ماہ سے زیادہ ہے، تو اسے ایک طویل مدتی سرمایہ کاری کے طور پر درجہ بندی کیا جاتا ہے اور اس پر انڈیکسیشن فائدہ کے ساتھ 20% ٹیکس لگایا جاتا ہے۔
| سرمایہ فوائد | انویسٹمنٹ ہولڈنگ گینز | ٹیکس لگانا |
|---|---|---|
| قلیل مدتکیپٹل گینز | 36 ماہ سے کم | فرد کے ٹیکس سلیب کے مطابق |
| طویل مدتی کیپٹل گینز | 36 ماہ سے زیادہ | انڈیکسیشن فوائد کے ساتھ 20% |
سرمایہ کار دو طریقوں سے سرمایہ کاری کر سکتے ہیں۔گھونٹ یا یکمشت۔ اوسط سرمایہ کاروں کے لیے، SIP (سسٹمیٹک انویسٹمنٹ پلان) سب سے قابل عمل آپشن ہے۔ یہ آپ کو ماہانہ/ سہ ماہی/ سالانہ سرمایہ کاری کا ایک منظم آپشن فراہم کرتا ہے۔بنیاد. یکمشت رقم میں، سرمایہ کاروں کو اسکیم میں ایک بار نیچے ادائیگی کے طور پر کافی رقم لگانی پڑتی ہے۔ یکمشت کے لیے کم از کم سرمایہ کاری کی رقم INR 5000 ہے، جبکہ SIP کے لیے یہ INR 500 ہے۔
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Bandhan Government Securities Fund - Investment Plan Growth ₹37.4473
↓ -0.01 ₹1,875 5,000 1,000 2.1 4.7 7.3 7.3 3.7 7.37% 11Y 5M 5D 27Y 5M 26D BNP Paribas Corporate Bond Fund Growth ₹29.5178
↓ -0.01 ₹270 5,000 300 1.8 3.5 6 7.5 8.3 7.2% 2Y 8M 5D 3Y 7M 13D ICICI Prudential Corporate Bond Fund Growth ₹31.9955
↓ -0.02 ₹30,202 5,000 100 1.7 3 6 7.3 8 7.35% 3Y 5M 23D 6Y 14D Franklin India Corporate Debt Fund Growth ₹106.885
↑ 0.01 ₹1,345 10,000 500 1.7 2.9 6 7.5 9.1 7.42% 1Y 11M 16D 4Y 29D Franklin India Government Securities Fund Growth ₹61.6348
↑ 0.04 ₹149 10,000 500 2.2 2.4 5.9 6.1 5.5 7.21% 5Y 6M 17Y 10M 2D Bandhan Corporate Bond Fund Growth ₹20.5445
↓ 0.00 ₹13,675 5,000 1,000 1.5 3.3 5.7 7 7.4 7.08% 2Y 10M 13D 4Y 5M 19D Nippon India Prime Debt Fund Growth ₹63.8936
↓ -0.02 ₹9,432 1,000 100 1.6 2.9 5.3 7.3 7.8 7.34% 2Y 11M 12D 3Y 9M 29D Kotak Corporate Bond Fund Standard Growth ₹4,015.81
↓ -1.21 ₹15,171 5,000 1,000 1.4 2.6 5.2 7.1 7.8 7.45% 2Y 11M 19D 4Y 9M 14D UTI Gilt Fund Growth ₹65.6145
↓ -0.01 ₹423 5,000 500 0.8 2 5 6.4 5.1 6.12% 3Y 1M 6D 7Y Aditya Birla Sun Life Corporate Bond Fund Growth ₹119.636
↓ -0.05 ₹23,623 1,000 100 1.5 2.5 5 7 7.4 7.34% 4Y 1M 6D 6Y 7M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Sep 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Bandhan Government Securities Fund - Investment Plan BNP Paribas Corporate Bond Fund ICICI Prudential Corporate Bond Fund Franklin India Corporate Debt Fund Franklin India Government Securities Fund Bandhan Corporate Bond Fund Nippon India Prime Debt Fund Kotak Corporate Bond Fund Standard UTI Gilt Fund Aditya Birla Sun Life Corporate Bond Fund Point 1 Lower mid AUM (₹1,875 Cr). Bottom quartile AUM (₹270 Cr). Highest AUM (₹30,202 Cr). Lower mid AUM (₹1,345 Cr). Bottom quartile AUM (₹149 Cr). Upper mid AUM (₹13,675 Cr). Upper mid AUM (₹9,432 Cr). Upper mid AUM (₹15,171 Cr). Bottom quartile AUM (₹423 Cr). Top quartile AUM (₹23,623 Cr). Point 2 Established history (17+ yrs). Established history (17+ yrs). Established history (17+ yrs). Oldest track record among peers (29 yrs). Established history (24+ yrs). Established history (10+ yrs). Established history (26+ yrs). Established history (18+ yrs). Established history (24+ yrs). Established history (29+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (bottom quartile). Not Rated. Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Top rated. Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 1Y return: 7.27% (top quartile). 1Y return: 6.00% (top quartile). 1Y return: 5.98% (upper mid). 1Y return: 5.97% (upper mid). 1Y return: 5.90% (upper mid). 1Y return: 5.68% (lower mid). 1Y return: 5.28% (lower mid). 1Y return: 5.18% (bottom quartile). 1Y return: 4.99% (bottom quartile). 1Y return: 4.97% (bottom quartile). Point 6 1M return: -0.74% (bottom quartile). 1M return: 0.25% (top quartile). 1M return: 0.00% (upper mid). 1M return: 0.38% (top quartile). 1M return: -0.09% (lower mid). 1M return: 0.03% (upper mid). 1M return: 0.00% (upper mid). 1M return: -0.03% (lower mid). 1M return: -0.65% (bottom quartile). 1M return: -0.21% (bottom quartile). Point 7 Sharpe: 0.09 (top quartile). Sharpe: 0.02 (upper mid). Sharpe: 0.12 (top quartile). Sharpe: -0.05 (upper mid). Sharpe: -0.21 (lower mid). Sharpe: -0.09 (upper mid). Sharpe: -0.27 (bottom quartile). Sharpe: -0.26 (lower mid). Sharpe: -0.35 (bottom quartile). Sharpe: -0.27 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.37% (upper mid). Yield to maturity (debt): 7.20% (bottom quartile). Yield to maturity (debt): 7.35% (upper mid). Yield to maturity (debt): 7.42% (top quartile). Yield to maturity (debt): 7.21% (lower mid). Yield to maturity (debt): 7.08% (bottom quartile). Yield to maturity (debt): 7.34% (upper mid). Yield to maturity (debt): 7.45% (top quartile). Yield to maturity (debt): 6.12% (bottom quartile). Yield to maturity (debt): 7.34% (lower mid). Point 10 Modified duration: 11.43 yrs (bottom quartile). Modified duration: 2.68 yrs (top quartile). Modified duration: 3.48 yrs (lower mid). Modified duration: 1.96 yrs (top quartile). Modified duration: 5.50 yrs (bottom quartile). Modified duration: 2.87 yrs (upper mid). Modified duration: 2.95 yrs (upper mid). Modified duration: 2.97 yrs (upper mid). Modified duration: 3.10 yrs (lower mid). Modified duration: 4.10 yrs (bottom quartile). Bandhan Government Securities Fund - Investment Plan
BNP Paribas Corporate Bond Fund
ICICI Prudential Corporate Bond Fund
Franklin India Corporate Debt Fund
Franklin India Government Securities Fund
Bandhan Corporate Bond Fund
Nippon India Prime Debt Fund
Kotak Corporate Bond Fund Standard
UTI Gilt Fund
Aditya Birla Sun Life Corporate Bond Fund
IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. Below is the key information for Bandhan Government Securities Fund - Investment Plan Returns up to 1 year are on The investment objective of the Scheme is to generate income and capital gains through investments in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme launched hereunder does not guarantee/indicate any returns. Research Highlights for BNP Paribas Corporate Bond Fund Below is the key information for BNP Paribas Corporate Bond Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for ICICI Prudential Corporate Bond Fund Below is the key information for ICICI Prudential Corporate Bond Fund Returns up to 1 year are on (Erstwhile Franklin India Income Builder Account - Plan A) The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Research Highlights for Franklin India Corporate Debt Fund Below is the key information for Franklin India Corporate Debt Fund Returns up to 1 year are on (Erstwhile Franklin India Government Securities Fund - Long Term Plan) Aims to invest exclusively in government securities of Zero credit or default risk Research Highlights for Franklin India Government Securities Fund Below is the key information for Franklin India Government Securities Fund Returns up to 1 year are on The Fund seeks to provide steady income and capital appreciation by investing primarily in corporate debt securities across maturities and ratings. There is no assurance or guarantee that the objectives of the scheme will be realised. Research Highlights for Bandhan Corporate Bond Fund Below is the key information for Bandhan Corporate Bond Fund Returns up to 1 year are on (Erstwhile Reliance Medium Term Fund) The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital. Research Highlights for Nippon India Prime Debt Fund Below is the key information for Nippon India Prime Debt Fund Returns up to 1 year are on The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no
assurance that the objective of the scheme will be realized. Research Highlights for Kotak Corporate Bond Fund Standard Below is the key information for Kotak Corporate Bond Fund Standard Returns up to 1 year are on (Erstwhile UTI Gilt Advantage Fund- LTP) To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. Research Highlights for UTI Gilt Fund Below is the key information for UTI Gilt Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Short Term Fund) An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Research Highlights for Aditya Birla Sun Life Corporate Bond Fund Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on 1. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (10 Sep 26) ₹37.4473 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹1,875 on 15 Jul 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.13 Sharpe Ratio 0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 27 Years 5 Months 26 Days Modified Duration 11 Years 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,116 31 Aug 23 ₹10,715 31 Aug 24 ₹11,871 31 Aug 25 ₹12,173 31 Aug 26 ₹13,241 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month -0.7% 3 Month 2.1% 6 Month 4.7% 1 Year 7.3% 3 Year 7.3% 5 Year 5.7% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 2024 10.6% 2023 6.8% 2022 1.4% 2021 2.1% 2020 13.7% 2019 13.3% 2018 7.8% 2017 3.1% 2016 13.9% Fund Manager information for Bandhan Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 15.89 Yr. Brijesh Shah 10 Jun 24 2.22 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 15 Jul 26
Asset Allocation
Asset Class Value Cash 3.24% Debt 96.76% Debt Sector Allocation
Sector Value Government 96.76% Cash Equivalent 3.24% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.24% Govt Stock 2055
Sovereign Bonds | -68% ₹1,267 Cr 128,400,000
↓ -4,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -19% ₹357 Cr 36,000,000 7.36% Govt Stock 2052
Sovereign Bonds | -9% ₹164 Cr 16,400,000 6.9% Govt Stock 2065
Sovereign Bonds | -0% ₹2 Cr 200,000
↓ -1,500,000 Net Current Assets
Net Current Assets | -3% ₹54 Cr Triparty Repo Trp_170826
CBLO/Reverse Repo | -0% ₹6 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 2. BNP Paribas Corporate Bond Fund
BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (10 Sep 26) ₹29.5178 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹270 on 31 Jul 26 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.58 Sharpe Ratio 0.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL) Yield to Maturity 7.2% Effective Maturity 3 Years 7 Months 13 Days Modified Duration 2 Years 8 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,057 31 Aug 23 ₹10,717 31 Aug 24 ₹11,543 31 Aug 25 ₹12,550 31 Aug 26 ₹13,303 Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month 0.3% 3 Month 1.8% 6 Month 3.5% 1 Year 6% 3 Year 7.5% 5 Year 5.9% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.3% 2024 8.3% 2023 7% 2022 1.6% 2021 2.2% 2020 9.9% 2019 0.9% 2018 5.2% 2017 6.7% 2016 10.8% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Gurvinder Wasan 21 Oct 24 1.78 Yr. Vikram Pamnani 11 Jul 24 2.06 Yr. Data below for BNP Paribas Corporate Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 10.02% Equity 4.17% Debt 85.32% Other 0.48% Debt Sector Allocation
Sector Value Corporate 74.47% Government 10.86% Cash Equivalent 10.02% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rec Limited
Debentures | -6% ₹16 Cr 1,600 Ntpc Limited
Debentures | -5% ₹15 Cr 150 6.68% Govt Stock 2040
Sovereign Bonds | -5% ₹13 Cr 1,300,010
↑ 500,000 Small Industries Development Bank Of India
Debentures | -4% ₹12 Cr 1,200 Hindustan Petroleum Corporation Limited
Debentures | -4% ₹10 Cr 100 Hindustan Petroleum Corporation Limited
Debentures | -4% ₹10 Cr 1,000 Indian Oil Corporation Limited
Debentures | -4% ₹10 Cr 1,000 LIC Housing Finance Ltd
Debentures | -4% ₹10 Cr 1,000 GAil (India) Limited
Debentures | -4% ₹10 Cr 100 Ultratech Cement Limited
Debentures | -4% ₹10 Cr 1,000 3. ICICI Prudential Corporate Bond Fund
ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (10 Sep 26) ₹31.9955 ↓ -0.02 (-0.05 %) Net Assets (Cr) ₹30,202 on 31 Jul 26 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.35% Effective Maturity 6 Years 14 Days Modified Duration 3 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,361 31 Aug 23 ₹11,137 31 Aug 24 ₹11,990 31 Aug 25 ₹12,969 31 Aug 26 ₹13,742 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month 0% 3 Month 1.7% 6 Month 3% 1 Year 6% 3 Year 7.3% 5 Year 6.6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 8% 2024 8% 2023 7.6% 2022 4.5% 2021 4.1% 2020 10.4% 2019 9.9% 2018 6.4% 2017 6.3% 2016 9.8% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 2.53 Yr. Ritesh Lunawat 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 8.72% Debt 90.95% Other 0.33% Debt Sector Allocation
Sector Value Corporate 65.72% Government 29% Cash Equivalent 4.95% Credit Quality
Rating Value AA 0.56% AAA 99.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -5% ₹1,456 Cr 145,500 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹995 Cr 1,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹891 Cr 900 National Bank For Agriculture And Rural Development
Debentures | -2% ₹748 Cr 74,550 Small Industries Development Bank Of India
Debentures | -2% ₹739 Cr 74,433 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹706 Cr 75,938,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹686 Cr 68,500 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹507 Cr 51,474,000 Bajaj Finance Limited
Debentures | -2% ₹498 Cr 50,000 7.57% Madhyapradesh Sgs 2045
Sovereign Bonds | -2% ₹489 Cr 49,151,900 4. Franklin India Corporate Debt Fund
Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (10 Sep 26) ₹106.885 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹1,345 on 31 Jul 26 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio -0.05 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.42% Effective Maturity 4 Years 29 Days Modified Duration 1 Year 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,260 31 Aug 23 ₹10,868 31 Aug 24 ₹11,640 31 Aug 25 ₹12,734 31 Aug 26 ₹13,488 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 2.9% 1 Year 6% 3 Year 7.5% 5 Year 6.2% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.1% 2024 7.6% 2023 6.5% 2022 3.2% 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.82 Yr. Anuj Tagra 7 Mar 24 2.4 Yr. Chandni Gupta 7 Mar 24 2.4 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 6.85% Debt 92.86% Other 0.29% Debt Sector Allocation
Sector Value Corporate 68.54% Government 24.32% Cash Equivalent 6.85% Credit Quality
Rating Value AA 7.1% AAA 92.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -6% ₹80 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹78 Cr 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹76 Cr 7,500 Poonawalla Fincorp Limited
Debentures | -5% ₹61 Cr 5,950 Maharashtra SDL
Sovereign Bonds | -4% ₹57 Cr 5,500,000 RJ Corp Limited
Debentures | -4% ₹57 Cr 5,467 LIC Housing Finance Ltd
Debentures | -4% ₹56 Cr 5,500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹51 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 5. Franklin India Government Securities Fund
Franklin India Government Securities Fund
Growth Launch Date 7 Dec 01 NAV (10 Sep 26) ₹61.6348 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹149 on 31 Jul 26 Category Debt - Government Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.14 Sharpe Ratio -0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.21% Effective Maturity 17 Years 10 Months 2 Days Modified Duration 5 Years 6 Months Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,226 31 Aug 23 ₹10,701 31 Aug 24 ₹11,441 31 Aug 25 ₹11,941 31 Aug 26 ₹12,766 Returns for Franklin India Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month -0.1% 3 Month 2.2% 6 Month 2.4% 1 Year 5.9% 3 Year 6.1% 5 Year 5% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.5% 2024 7.3% 2023 5.5% 2022 2.5% 2021 2.1% 2020 8.5% 2019 8% 2018 4.3% 2017 0.1% 2016 15.7% Fund Manager information for Franklin India Government Securities Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.82 Yr. Anuj Tagra 7 Mar 24 2.4 Yr. Data below for Franklin India Government Securities Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 12.57% Debt 87.43% Debt Sector Allocation
Sector Value Government 87.43% Cash Equivalent 12.57% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Maharashtra SDL
Sovereign Bonds | -21% ₹31 Cr 3,000,000 Punjab (State Of) 7.02%
- | -14% ₹20 Cr 2,000,000 7.73% Andhra Sgs 2032
Sovereign Bonds | -11% ₹16 Cr 1,500,000 7.62% Punjab Sgs 2033
Sovereign Bonds | -10% ₹15 Cr 1,500,000 7.86% Haryana Sdl 2032
Sovereign Bonds | -7% ₹10 Cr 1,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -7% ₹10 Cr 1,029,400 7.71% Govt Stock 2066
Sovereign Bonds | -6% ₹9 Cr 834,000
↑ 834,000 7.17% Rajasthan Sdl 2032
Sovereign Bonds | -3% ₹5 Cr 500,000 Kerala (Government of) 7.56%
- | -3% ₹5 Cr 510,200 Bihar State Development Loans
Sovereign Bonds | -2% ₹3 Cr 312,440 6. Bandhan Corporate Bond Fund
Bandhan Corporate Bond Fund
Growth Launch Date 12 Jan 16 NAV (10 Sep 26) ₹20.5445 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹13,675 on 15 Jul 26 Category Debt - Corporate Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.65 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 4 Years 5 Months 19 Days Modified Duration 2 Years 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,182 31 Aug 23 ₹10,806 31 Aug 24 ₹11,594 31 Aug 25 ₹12,519 31 Aug 26 ₹13,231 Returns for Bandhan Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month 0% 3 Month 1.5% 6 Month 3.3% 1 Year 5.7% 3 Year 7% 5 Year 5.8% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.7% 2023 6.8% 2022 2.6% 2021 3.7% 2020 11.6% 2019 8.5% 2018 6.3% 2017 6.2% 2016 Fund Manager information for Bandhan Corporate Bond Fund
Name Since Tenure Suyash Choudhary 28 Jul 21 5.1 Yr. Gautam Kaul 1 Dec 21 4.75 Yr. Brijesh Shah 10 Jun 24 2.22 Yr. Data below for Bandhan Corporate Bond Fund as on 15 Jul 26
Asset Allocation
Asset Class Value Cash 11.83% Debt 87.83% Other 0.34% Debt Sector Allocation
Sector Value Corporate 66.46% Government 27.28% Cash Equivalent 5.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Limited
Debentures | -4% ₹571 Cr 55,000,000 Reliance Industries Limited
Debentures | -4% ₹542 Cr 52,500,000 7.06% Govt Stock 2041
Sovereign Bonds | -3% ₹417 Cr 41,250,000 Larsen And Toubro Limited
Debentures | -3% ₹353 Cr 35,000,000 Ultratech Cement Limited
Debentures | -2% ₹321 Cr 32,000,000
↓ -500,000 Bajaj Finance Limited
Debentures | -2% ₹316 Cr 31,657,000 7.3% Govt Stock 2053
Sovereign Bonds | -2% ₹315 Cr 31,750,000
↓ -1,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹301 Cr 30,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹299 Cr 30,000,000
↑ 15,000,000 Bajaj Finance Limited
Debentures | -2% ₹297 Cr 30,000,000 7. Nippon India Prime Debt Fund
Nippon India Prime Debt Fund
Growth Launch Date 14 Sep 00 NAV (10 Sep 26) ₹63.8936 ↓ -0.02 (-0.03 %) Net Assets (Cr) ₹9,432 on 31 Jul 26 Category Debt - Corporate Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.71 Sharpe Ratio -0.27 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.34% Effective Maturity 3 Years 9 Months 29 Days Modified Duration 2 Years 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,352 31 Aug 23 ₹11,076 31 Aug 24 ₹11,946 31 Aug 25 ₹12,949 31 Aug 26 ₹13,634 Returns for Nippon India Prime Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month 0% 3 Month 1.6% 6 Month 2.9% 1 Year 5.3% 3 Year 7.3% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.8% 2024 8.4% 2023 7.1% 2022 4.3% 2021 4.7% 2020 9.5% 2019 7.8% 2018 6.9% 2017 6.6% 2016 9.1% Fund Manager information for Nippon India Prime Debt Fund
Name Since Tenure Vivek Sharma 1 Feb 20 6.58 Yr. Kinjal Desai 25 May 18 8.27 Yr. Amber Singhania 11 Mar 26 0.47 Yr. Data below for Nippon India Prime Debt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 10.15% Debt 89.54% Other 0.31% Debt Sector Allocation
Sector Value Corporate 66.1% Government 23.97% Cash Equivalent 9.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹451 Cr 45,000 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹329 Cr 32,500,000
↑ 10,000,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹222 Cr 2,158 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹197 Cr 200 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -2% ₹196 Cr 200 Small Industries Development Bank Of India
Debentures | -2% ₹176 Cr 17,500 Rec Limited
Debentures | -2% ₹174 Cr 17,500 Knowledge Realty TRust
Debentures | -2% ₹160 Cr 16,000 Bajaj Housing Finance Limited
Debentures | -2% ₹153 Cr 15,000 Small Industries Development Bank Of India
Debentures | -2% ₹151 Cr 15,000 8. Kotak Corporate Bond Fund Standard
Kotak Corporate Bond Fund Standard
Growth Launch Date 21 Sep 07 NAV (10 Sep 26) ₹4,015.81 ↓ -1.21 (-0.03 %) Net Assets (Cr) ₹15,171 on 31 Jul 26 Category Debt - Corporate Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.67 Sharpe Ratio -0.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 4 Years 9 Months 14 Days Modified Duration 2 Years 11 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,295 31 Aug 23 ₹10,964 31 Aug 24 ₹11,817 31 Aug 25 ₹12,788 31 Aug 26 ₹13,453 Returns for Kotak Corporate Bond Fund Standard
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month 0% 3 Month 1.4% 6 Month 2.6% 1 Year 5.2% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.8% 2024 8.3% 2023 6.9% 2022 3.7% 2021 3.8% 2020 9.7% 2019 9.6% 2018 7.5% 2017 6.9% 2016 9.4% Fund Manager information for Kotak Corporate Bond Fund Standard
Name Since Tenure Deepak Agrawal 7 Aug 26 0.07 Yr. Manu Sharma 7 Aug 26 0.07 Yr. Data below for Kotak Corporate Bond Fund Standard as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 2.92% Debt 96.73% Other 0.35% Debt Sector Allocation
Sector Value Corporate 71.54% Government 25.5% Cash Equivalent 2.6% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹526 Cr 52,500 Karnataka (Government of) 0.0756%
- | -3% ₹462 Cr 45,700,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹449 Cr 48,300,000 7.71% Govt Stock 2066
Sovereign Bonds | -3% ₹445 Cr 43,000,000 Bajaj Finance Limited
Debentures | -3% ₹435 Cr 43,500 Karnataka State Development Loans
Sovereign Bonds | -3% ₹424 Cr 42,000,000 Power Finance Corporation Limited
Debentures | -3% ₹399 Cr 40,000 Small Industries Development Bank Of India
Debentures | -2% ₹351 Cr 35,000 Mahindra And Mahindra Financial Services Limited
Debentures | -2% ₹302 Cr 30,000 Knowledge Realty TRust
Debentures | -2% ₹299 Cr 30,000 9. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (10 Sep 26) ₹65.6145 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹423 on 31 Jul 26 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.12% Effective Maturity 7 Years Modified Duration 3 Years 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,179 31 Aug 23 ₹10,845 31 Aug 24 ₹11,785 31 Aug 25 ₹12,305 31 Aug 26 ₹13,078 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month -0.6% 3 Month 0.8% 6 Month 2% 1 Year 5% 3 Year 6.4% 5 Year 5.4% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.1% 2024 8.9% 2023 6.7% 2022 2.9% 2021 2.3% 2020 10.3% 2019 11.8% 2018 6.3% 2017 4.3% 2016 15.5% Fund Manager information for UTI Gilt Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 1.4 Yr. Data below for UTI Gilt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 6.19% Debt 93.81% Debt Sector Allocation
Sector Value Government 93.81% Cash Equivalent 6.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -30% ₹126 Cr 1,350,000,000
↑ 750,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -24% ₹101 Cr 1,000,000,000
↑ 500,000,000 Day Tbill
Sovereign Bonds | -19% ₹79 Cr 816,050,000
↓ -850,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -6% ₹25 Cr 250,000,000
↑ 250,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -6% ₹25 Cr 250,000,000 Chhattisgarh (Government of) 7.37%
- | -4% ₹15 Cr 150,000,000 7.18% Tamilnadu SDL 2027
Sovereign Bonds | -4% ₹15 Cr 150,000,000 7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -2% ₹9 Cr 85,730,000 7.77% Andhra Sdl 2028
Sovereign Bonds | -1% ₹5 Cr 50,000,000 Net Current Assets
Net Current Assets | -6% ₹25 Cr 10. Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (10 Sep 26) ₹119.636 ↓ -0.05 (-0.04 %) Net Assets (Cr) ₹23,623 on 31 Jul 26 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio -0.27 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.34% Effective Maturity 6 Years 7 Months 28 Days Modified Duration 4 Years 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,321 31 Aug 23 ₹11,032 31 Aug 24 ₹11,920 31 Aug 25 ₹12,840 31 Aug 26 ₹13,510 Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26 Duration Returns 1 Month -0.2% 3 Month 1.5% 6 Month 2.5% 1 Year 5% 3 Year 7% 5 Year 6.2% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 8.5% 2023 7.3% 2022 4.1% 2021 4% 2020 11.9% 2019 9.6% 2018 7% 2017 6.5% 2016 10.2% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Kaustubh Gupta 12 Apr 21 5.39 Yr. Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 3.49% Debt 96.51% Debt Sector Allocation
Sector Value Corporate 58.49% Government 38.01% Cash Equivalent 3.49% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -7% ₹1,635 Cr 167,500,000
↑ 6,000,000 6.94% Govt Stock 2036
Sovereign Bonds | -6% ₹1,461 Cr 144,276,100
↓ -11,500,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹1,103 Cr 110,000
↓ -2,000 Bharti Telecom Limited
Debentures | -3% ₹670 Cr 67,500 Jamnagar Utilities & Power Private Limited
Debentures | -3% ₹584 Cr 59,000 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹526 Cr 56,572,800
↓ -4,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹499 Cr 50,000 6.48% Govt Stock 2035
Sovereign Bonds | -2% ₹452 Cr 46,035,600
↓ -2,500,000 Small Industries Development Bank Of India
Debentures | -2% ₹445 Cr 44,546
↑ 39,546 Bharti Telecom Limited
Debentures | -2% ₹412 Cr 41,400
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Research Highlights for Bandhan Government Securities Fund - Investment Plan