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Table of Contents
- طویل مدتی قرض فنڈز- طویل مدتی سرمایہ کاری کا منصوبہ
- واپسی اور خطرہ
- لانگ ٹرم ڈیبٹ فنڈز ٹیکسیشن
- لانگ ٹرم بانڈ فنڈز میں سرمایہ کاری کیسے کی جائے؟
- 2022 میں سرمایہ کاری کے لیے بہترین لانگ ٹرم بانڈ فنڈز
- لانگ ٹرم بانڈز میں آن لائن سرمایہ کاری کیسے کی جائے؟
Top 10 Funds
- Franklin India Corporate Debt Fund
- BNP Paribas Corporate Bond Fund
- Nippon India Prime Debt Fund
- ICICI Prudential Gilt Fund
- Kotak Corporate Bond Fund Standard
- TATA Gilt Securities Fund
- Invesco India Corporate Bond Fund
- L&T Triple Ace Bond Fund
- HDFC Corporate Bond Fund
- Aditya Birla Sun Life Corporate Bond Fund
طویل مدتی قرض فنڈز- آپ کو کب سرمایہ کاری کرنی چاہئے؟
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- طویل مدتی سرمایہ کاری کا منصوبہ
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.
واپسی اور خطرہ
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۔
لانگ ٹرم ڈیبٹ فنڈز ٹیکسیشن
قرض فنڈز پر ٹیکس کا اطلاق درج ذیل طریقے سے کیا جاتا ہے۔
شارٹ ٹرم کیپیٹل گینز
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۔
طویل مدتی کیپٹل گینز
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% |
لانگ ٹرم بانڈ فنڈز میں سرمایہ کاری کیسے کی جائے؟
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۔
2022 میں سرمایہ کاری کے لیے بہترین لانگ ٹرم بانڈ فنڈز
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Corporate Debt Fund Growth ₹100.624
↑ 0.03 ₹944 10,000 500 3.3 6.3 10.4 7.7 7.6 6.85% 3Y 1M 13D 5Y 11M 23D BNP Paribas Corporate Bond Fund Growth ₹27.8057
↑ 0.01 ₹358 5,000 300 2.2 5.7 10 8 8.3 6.8% 3Y 9M 5Y 1M 6D Nippon India Prime Debt Fund Growth ₹60.6396
↑ 0.02 ₹9,542 1,000 100 1.9 5.4 9.8 8.2 8.4 6.93% 3Y 7M 17D 4Y 8M 23D ICICI Prudential Gilt Fund Growth ₹103.917
↓ -0.05 ₹7,276 5,000 1,000 1.2 5.4 9.7 8.8 8.2 6.39% 3Y 3M 10Y 22D Kotak Corporate Bond Fund Standard Growth ₹3,812.23
↑ 1.53 ₹17,304 5,000 1,000 1.9 5.2 9.5 7.8 8.3 6.84% 2Y 10M 24D 4Y 22D TATA Gilt Securities Fund Growth ₹79.3547
↓ -0.07 ₹1,149 5,000 500 0.8 5.4 9.5 8.2 8.3 0% Invesco India Corporate Bond Fund Growth ₹3,211.64
↑ 1.50 ₹7,262 5,000 100 1.8 5.2 9.4 7.6 8.1 6.64% 3Y 9M 7D 5Y 14D L&T Triple Ace Bond Fund Growth ₹73.8638
↑ 0.04 ₹6,063 10,000 1,000 2.1 5.3 9.4 7.8 8.1 6.68% 2Y 8M 16D 3Y 2M 23D HDFC Corporate Bond Fund Growth ₹32.8659
↑ 0.01 ₹35,686 5,000 300 1.7 5 9.3 8.1 8.6 6.94% 4Y 3M 14D 6Y 10M 20D Aditya Birla Sun Life Corporate Bond Fund Growth ₹113.996
↑ 0.04 ₹28,675 1,000 100 1.6 5 9.3 8.1 8.5 6.94% 4Y 5M 26D 6Y 11M 23D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jul 25
(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. Franklin India Corporate Debt Fund is a Debt - Corporate Bond fund was launched on 23 Jun 97. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Corporate Debt Fund 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. BNP Paribas Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 8 Nov 08. It is a fund with Moderate risk and has given a Below is the key information for BNP Paribas 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. Nippon India Prime Debt Fund is a Debt - Corporate Bond fund was launched on 14 Sep 00. It is a fund with Moderately Low risk and has given a Below is the key information for Nippon India Prime Debt Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Gilt 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. Kotak Corporate Bond Fund Standard is a Debt - Corporate Bond fund was launched on 21 Sep 07. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Corporate Bond Fund Standard Returns up to 1 year are on To generate risk-free return and thus provide medium to long term capital gains and income distribution to its Unitholders, while at all times emphasising the
importance of capital preservation. TATA Gilt Securities Fund is a Debt - Government Bond fund was launched on 6 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for TATA Gilt Securities Fund Returns up to 1 year are on (Erstwhile Invesco India Active Income Fund) To generate optimal returns while maintaining liquidity through active management of the portfolio by investing in debt and money market instruments. As the portfolio of the scheme will be actively managed, the Scheme may have a high turnover in order to achieve the investment objective. Invesco India Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 2 Aug 07. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Corporate Bond Fund Returns up to 1 year are on To generate regular and stable income for the unitholders of the Scheme. The corpus of the scheme would be invested primarily in debt market securities such as nonconvertible debentures, bonds issued by corporates, bank and government, commercial paper, certificate of deposits and other money market instruments. The scheme would invest predominantly in securities rated by the Credit Rating and Information Services of India Limited (CRISIL), or any other rating agency. L&T Triple Ace Bond Fund is a Debt - Corporate Bond fund was launched on 9 Jun 97. It is a fund with Moderate risk and has given a Below is the key information for L&T Triple Ace Bond Fund Returns up to 1 year are on (Erstwhile HDFC Medium Term Opportunities Fund) To generate regular income through investments in Debt/
Money Market Instruments and Government Securities with
maturities not exceeding 60 months. HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a Below is the key information for HDFC Corporate Bond 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. Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on 1. Franklin India Corporate Debt Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 22 in Corporate Bond category. Return for 2024 was 7.6% , 2023 was 6.5% and 2022 was 3.2% . Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (23 Jul 25) ₹100.624 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹944 on 30 Jun 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.77 Sharpe Ratio 1.67 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 6.85% Effective Maturity 5 Years 11 Months 23 Days Modified Duration 3 Years 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,632 30 Jun 22 ₹10,907 30 Jun 23 ₹11,580 30 Jun 24 ₹12,341 30 Jun 25 ₹13,621 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.8% 3 Month 3.3% 6 Month 6.3% 1 Year 10.4% 3 Year 7.7% 5 Year 6.4% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.4% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.65 Yr. Anuj Tagra 7 Mar 24 1.24 Yr. Chandni Gupta 7 Mar 24 1.24 Yr. Data below for Franklin India Corporate Debt Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 7.17% Debt 92.58% Other 0.25% Debt Sector Allocation
Sector Value Corporate 70.72% Government 21.86% Cash Equivalent 7.17% Credit Quality
Rating Value AA 5.53% AAA 94.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -8% ₹67 Cr 6,576
↑ 6,576 Pipeline Infrastructure Limited
Debentures | -6% ₹53 Cr 5,000 Summit Digitel Infrastructure Limited
Debentures | -6% ₹52 Cr 5,000 Small Industries Development Bank Of India
Debentures | -6% ₹52 Cr 500
↑ 500 Sikka Ports & Terminals Limited
Debentures | -6% ₹51 Cr 500 Embassy Office Parks Reit
Debentures | -6% ₹50 Cr 5,000 Rec Limited
Debentures | -6% ₹50 Cr 9,000 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹35 Cr 3,587,800
↓ -1,000,000 LIC Housing Finance Ltd
Debentures | -4% ₹31 Cr 300 National Bank For Agriculture And Rural Development
Debentures | -3% ₹26 Cr 2,500 2. BNP Paribas Corporate Bond Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 24 in Corporate Bond category. Return for 2024 was 8.3% , 2023 was 7% and 2022 was 1.6% . BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (23 Jul 25) ₹27.8057 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹358 on 15 Jul 25 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.56 Sharpe Ratio 1.93 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 6.8% Effective Maturity 5 Years 1 Month 6 Days Modified Duration 3 Years 9 Months Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,464 30 Jun 22 ₹10,492 30 Jun 23 ₹11,228 30 Jun 24 ₹11,990 30 Jun 25 ₹13,196 Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 5.7% 1 Year 10% 3 Year 8% 5 Year 5.6% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.2% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Gurvinder Wasan 21 Oct 24 0.61 Yr. Vikram Pamnani 10 Jul 24 0.89 Yr. Data below for BNP Paribas Corporate Bond Fund as on 15 Jul 25
Asset Allocation
Asset Class Value Cash 3.33% Equity 2.37% Debt 94.11% Other 0.19% Debt Sector Allocation
Sector Value Corporate 69.37% Government 24.74% Cash Equivalent 3.33% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rec Limited
Debentures | -6% ₹19 Cr 1,900 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹17 Cr 1,600,000
↓ -1,550,000 Ntpc Limited
Debentures | -5% ₹15 Cr 1,500 Small Industries Development Bank Of India
Debentures | -4% ₹12 Cr 1,200 National Housing Bank
Debentures | -4% ₹11 Cr 1,100 Export Import Bank Of India
Debentures | -4% ₹11 Cr 100 Hindustan Petroleum Corporation Limited
Debentures | -3% ₹10 Cr 100 Power Finance Corporation Limited
Debentures | -3% ₹10 Cr 1,000 Hindustan Petroleum Corporation Limited
Debentures | -3% ₹10 Cr 1,000
↑ 1,000 GAil (India) Limited
Debentures | -3% ₹10 Cr 100 3. Nippon India Prime Debt Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 20 in Corporate Bond category. Return for 2024 was 8.4% , 2023 was 7.1% and 2022 was 4.3% . Nippon India Prime Debt Fund
Growth Launch Date 14 Sep 00 NAV (23 Jul 25) ₹60.6396 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹9,542 on 30 Jun 25 Category Debt - Corporate Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.69 Sharpe Ratio 1.9 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.93% Effective Maturity 4 Years 8 Months 23 Days Modified Duration 3 Years 7 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,693 30 Jun 22 ₹11,063 30 Jun 23 ₹11,889 30 Jun 24 ₹12,745 30 Jun 25 ₹13,991 Returns for Nippon India Prime Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 5.4% 1 Year 9.8% 3 Year 8.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.7% Fund Manager information for Nippon India Prime Debt Fund
Name Since Tenure Vivek Sharma 1 Feb 20 5.33 Yr. Kinjal Desai 25 May 18 7.02 Yr. Data below for Nippon India Prime Debt Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 9.83% Debt 89.98% Other 0.18% Debt Sector Allocation
Sector Value Corporate 60.26% Government 29.72% Cash Equivalent 9.83% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹674 Cr 65,500,000
↓ -1,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹235 Cr 22,500,000
↓ -13,500,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹211 Cr 20,500 Small Industries Development Bank Of India
Debentures | -2% ₹205 Cr 20,000 Aditya Birla Housing Finance Limited
Debentures | -2% ₹203 Cr 20,000 Aditya Birla Capital Limited
Debentures | -2% ₹200 Cr 20,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -2% ₹183 Cr 18,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹179 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹179 Cr 17,500 Power Finance Corporation Limited
Debentures | -2% ₹156 Cr 15,000 4. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.5% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (23 Jul 25) ₹103.917 ↓ -0.05 (-0.05 %) Net Assets (Cr) ₹7,276 on 30 Jun 25 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 1.34 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.39% Effective Maturity 10 Years 22 Days Modified Duration 3 Years 3 Months Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,413 30 Jun 22 ₹10,601 30 Jun 23 ₹11,581 30 Jun 24 ₹12,476 30 Jun 25 ₹13,676 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.7% 3 Month 1.2% 6 Month 5.4% 1 Year 9.7% 3 Year 8.8% 5 Year 6.4% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.2% 2023 8.3% 2022 3.7% 2021 3.8% 2020 12.6% 2019 10.8% 2018 6.8% 2017 2.1% 2016 18.2% 2015 5.5% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.36 Yr. Raunak Surana 22 Jan 24 1.36 Yr. Data below for ICICI Prudential Gilt Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 29.77% Debt 70.23% Debt Sector Allocation
Sector Value Government 70.23% Cash Equivalent 29.77% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -24% ₹1,795 Cr 170,285,400
↓ -59,887,100 7.81% Govt Stock 2033
Sovereign Bonds | -13% ₹977 Cr 94,096,700 7.34% Govt Stock 2064
Sovereign Bonds | -11% ₹841 Cr 79,038,200 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹668 Cr 64,485,590
↓ -33,517,710 182 DTB 10072025
Sovereign Bonds | -5% ₹398 Cr 40,000,000
↑ 40,000,000 7.23% Maharashtra Sdl-04/09/2035
Sovereign Bonds | -3% ₹222 Cr 21,496,400 182 DTB 24072025
Sovereign Bonds | -3% ₹198 Cr 20,000,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -3% ₹187 Cr 18,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹151 Cr 15,000,000 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000
↑ 10,000,000 5. Kotak Corporate Bond Fund Standard
CAGR/Annualized return of 7.8% since its launch. Ranked 15 in Corporate Bond category. Return for 2024 was 8.3% , 2023 was 6.9% and 2022 was 3.7% . Kotak Corporate Bond Fund Standard
Growth Launch Date 21 Sep 07 NAV (23 Jul 25) ₹3,812.23 ↑ 1.53 (0.04 %) Net Assets (Cr) ₹17,304 on 30 Jun 25 Category Debt - Corporate Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.67 Sharpe Ratio 1.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.84% Effective Maturity 4 Years 22 Days Modified Duration 2 Years 10 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,553 30 Jun 22 ₹10,860 30 Jun 23 ₹11,587 30 Jun 24 ₹12,421 30 Jun 25 ₹13,608 Returns for Kotak Corporate Bond Fund Standard
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 5.2% 1 Year 9.5% 3 Year 7.8% 5 Year 6.3% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.8% Fund Manager information for Kotak Corporate Bond Fund Standard
Name Since Tenure Deepak Agrawal 1 Feb 15 10.34 Yr. Manu Sharma 1 Nov 22 2.58 Yr. Data below for Kotak Corporate Bond Fund Standard as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 4.59% Debt 95.18% Other 0.23% Debt Sector Allocation
Sector Value Corporate 63.26% Government 31.91% Cash Equivalent 4.59% Credit Quality
Rating Value AA 0.31% AAA 99.69% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹1,553 Cr 147,935,080 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹986 Cr 94,220,308 National Bank For Agriculture And Rural Development
Debentures | -4% ₹620 Cr 61,000
↑ 2,500 6.99% Govt Stock 2034
Sovereign Bonds | -3% ₹501 Cr 49,000,000 Bajaj Finance Limited
Debentures | -3% ₹442 Cr 43,500 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹418 Cr 4,200 Power Finance Corporation Limited
Debentures | -2% ₹358 Cr 35,000 Power Finance Corporation Limited
Debentures | -2% ₹331 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹317 Cr 31,000
↑ 5,000 LIC Housing Finance Ltd
Debentures | -2% ₹312 Cr 3,050 6. TATA Gilt Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 11 in Government Bond category. Return for 2024 was 8.3% , 2023 was 7.5% and 2022 was 2.4% . TATA Gilt Securities Fund
Growth Launch Date 6 Sep 99 NAV (23 Jul 25) ₹79.3547 ↓ -0.07 (-0.08 %) Net Assets (Cr) ₹1,149 on 30 Jun 25 Category Debt - Government Bond AMC Tata Asset Management Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0 Sharpe Ratio 0.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-180 Days (0.5%),180 Days and above(NIL) Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,163 30 Jun 22 ₹10,297 30 Jun 23 ₹11,086 30 Jun 24 ₹11,858 30 Jun 25 ₹12,892 Returns for TATA Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 1.4% 3 Month 0.8% 6 Month 5.4% 1 Year 9.5% 3 Year 8.2% 5 Year 5.2% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 7.5% 2022 2.4% 2021 0.8% 2020 9.9% 2019 9.7% 2018 4.9% 2017 2.7% 2016 13.4% 2015 5.9% Fund Manager information for TATA Gilt Securities Fund
Name Since Tenure Akhil Mittal 1 Mar 22 3.25 Yr. Data below for TATA Gilt Securities Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 1.97% Debt 98.03% Debt Sector Allocation
Sector Value Government 98.03% Cash Equivalent 1.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -16% ₹180 Cr 17,500,000
↓ -17,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -12% ₹131 Cr 12,500,000
↓ -2,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -9% ₹105 Cr 10,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -9% ₹103 Cr 10,000,000
↑ 10,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -9% ₹102 Cr 10,000,000
↑ 10,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -9% ₹101 Cr 10,000,000 Andhra Pradesh (Government of) 6.84%
- | -9% ₹99 Cr 10,000,000
↑ 10,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -9% ₹98 Cr 10,000,000 6.54% Govt Stock 2032
Sovereign Bonds | -7% ₹81 Cr 8,000,000
↓ -7,000,000 7.32% Govt Stock 2030
Sovereign Bonds | -7% ₹79 Cr 7,500,000 7. Invesco India Corporate Bond Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 27 in Corporate Bond category. Return for 2024 was 8.1% , 2023 was 6.7% and 2022 was 2.9% . Invesco India Corporate Bond Fund
Growth Launch Date 2 Aug 07 NAV (23 Jul 25) ₹3,211.64 ↑ 1.50 (0.05 %) Net Assets (Cr) ₹7,262 on 30 Jun 25 Category Debt - Corporate Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.66 Sharpe Ratio 1.67 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.64% Effective Maturity 5 Years 14 Days Modified Duration 3 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,511 30 Jun 22 ₹10,740 30 Jun 23 ₹11,424 30 Jun 24 ₹12,223 30 Jun 25 ₹13,373 Returns for Invesco India Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 5.2% 1 Year 9.4% 3 Year 7.6% 5 Year 5.9% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 6.7% 2022 2.9% 2021 3.4% 2020 10.1% 2019 11.1% 2018 4% 2017 1.8% 2016 14.1% 2015 5.2% Fund Manager information for Invesco India Corporate Bond Fund
Name Since Tenure Krishna Cheemalapati 16 Dec 20 4.46 Yr. Vikas Garg 26 Sep 20 4.68 Yr. Data below for Invesco India Corporate Bond Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 3.51% Debt 96.29% Other 0.2% Debt Sector Allocation
Sector Value Corporate 56.15% Government 40.21% Cash Equivalent 3.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹439 Cr 41,786,700 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹415 Cr 39,612,600
↑ 1,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹269 Cr 26,091,100
↑ 8,000,000 Small Industries Development Bank Of India
Debentures | -3% ₹214 Cr 21,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹204 Cr 20,000,000
↑ 5,000,000 Power Finance Corporation Limited
Debentures | -2% ₹163 Cr 16,000,000
↑ 2,500,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹154 Cr 15,500,000
↑ 10,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹154 Cr 15,000,000 National Housing Bank
Debentures | -2% ₹153 Cr 15,000,000 Export Import Bank Of India
Debentures | -2% ₹153 Cr 15,000,000
↑ 5,000,000 8. L&T Triple Ace Bond Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 39 in Corporate Bond category. Return for 2024 was 8.1% , 2023 was 6.4% and 2022 was 2.2% . L&T Triple Ace Bond Fund
Growth Launch Date 9 Jun 97 NAV (23 Jul 25) ₹73.8638 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹6,063 on 30 Jun 25 Category Debt - Corporate Bond AMC L&T Investment Management Ltd Rating ☆ Risk Moderate Expense Ratio 0.64 Sharpe Ratio 1.83 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.68% Effective Maturity 3 Years 2 Months 23 Days Modified Duration 2 Years 8 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,450 30 Jun 22 ₹10,594 30 Jun 23 ₹11,401 30 Jun 24 ₹12,151 30 Jun 25 ₹13,292 Returns for L&T Triple Ace Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.7% 3 Month 2.1% 6 Month 5.3% 1 Year 9.4% 3 Year 7.8% 5 Year 5.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 6.4% 2022 2.2% 2021 3.8% 2020 12.4% 2019 12.6% 2018 6% 2017 1.6% 2016 12.4% 2015 4.5% Fund Manager information for L&T Triple Ace Bond Fund
Name Since Tenure Shriram Ramanathan 30 Jun 14 10.93 Yr. Mohd Asif Rizwi 1 Feb 25 0.33 Yr. Data below for L&T Triple Ace Bond Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 0.6% Debt 99.06% Other 0.34% Debt Sector Allocation
Sector Value Corporate 55.31% Government 43.75% Cash Equivalent 0.6% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Oil Corporation Limited
Debentures | -6% ₹330 Cr 3,069 Power Grid Corporation Of India Limited
Debentures | -5% ₹292 Cr 2,700 7.04% Govt Stock 2029
Sovereign Bonds | -4% ₹249 Cr 24,000,000
↑ 1,500,000 Ntpc Limited
Debentures | -4% ₹234 Cr 2,150 National Highways Authority Of India
Debentures | -4% ₹214 Cr 1,950 7.06% Govt Stock 2028
Sovereign Bonds | -3% ₹198 Cr 19,000,000 Housing And Urban Development Corporation Limited
Debentures | -3% ₹178 Cr 1,650 Ntpc Limited
Debentures | -3% ₹174 Cr 1,600 LIC Housing Finance Ltd
Debentures | -3% ₹163 Cr 1,550 HDFC Bank Limited
Debentures | -3% ₹157 Cr 1,466 9. HDFC Corporate Bond Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 2 in Corporate Bond category. Return for 2024 was 8.6% , 2023 was 7.2% and 2022 was 3.3% . HDFC Corporate Bond Fund
Growth Launch Date 29 Jun 10 NAV (23 Jul 25) ₹32.8659 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹35,686 on 30 Jun 25 Category Debt - Corporate Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.59 Sharpe Ratio 1.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 6 Years 10 Months 20 Days Modified Duration 4 Years 3 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,575 30 Jun 22 ₹10,816 30 Jun 23 ₹11,616 30 Jun 24 ₹12,491 30 Jun 25 ₹13,655 Returns for HDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 25 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 5% 1 Year 9.3% 3 Year 8.1% 5 Year 6.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.6% 2023 7.2% 2022 3.3% 2021 3.9% 2020 11.8% 2019 10.3% 2018 6.5% 2017 6.5% 2016 10.6% 2015 8.6% Fund Manager information for HDFC Corporate Bond Fund
Name Since Tenure Anupam Joshi 27 Oct 15 9.6 Yr. Dhruv Muchhal 22 Jun 23 1.95 Yr. Data below for HDFC Corporate Bond Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 3.26% Debt 96.49% Other 0.25% Debt Sector Allocation
Sector Value Corporate 59.23% Government 37.25% Cash Equivalent 3.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -6% ₹1,996 Cr 195,000,000
↑ 32,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -4% ₹1,286 Cr 122,500,000
↓ -5,000,000 Bajaj Finance Limited
Debentures | -3% ₹1,125 Cr 112,500 7.81% Govt Stock 2033
Sovereign Bonds | -3% ₹925 Cr 89,000,000
↓ -11,000,000 State Bank Of India
Debentures | -2% ₹806 Cr 800 HDFC Bank Limited
Debentures | -1% ₹519 Cr 50,000 6.99% Govt Stock 2034
Sovereign Bonds | -1% ₹511 Cr 50,000,000 Small Industries Development Bank Of India
Debentures | -1% ₹510 Cr 50,000 LIC Housing Finance Ltd
Debentures | -1% ₹509 Cr 5,000 Rural Electrification Corporation Limited
Debentures | -1% ₹474 Cr 4,500 10. Aditya Birla Sun Life Corporate Bond Fund
CAGR/Annualized return of 8.9% since its launch. Ranked 1 in Corporate Bond category. Return for 2024 was 8.5% , 2023 was 7.3% and 2022 was 4.1% . Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (23 Jul 25) ₹113.996 ↑ 0.04 (0.04 %) Net Assets (Cr) ₹28,675 on 15 Jul 25 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.5 Sharpe Ratio 1.66 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 6 Years 11 Months 23 Days Modified Duration 4 Years 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,618 30 Jun 22 ₹10,926 30 Jun 23 ₹11,723 30 Jun 24 ₹12,614 30 Jun 25 ₹13,788 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 23 Jul 25 Duration Returns 1 Month 0.8% 3 Month 1.6% 6 Month 5% 1 Year 9.3% 3 Year 8.1% 5 Year 6.5% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.9% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Kaustubh Gupta 12 Apr 21 4.14 Yr. Data below for Aditya Birla Sun Life Corporate Bond Fund as on 15 Jul 25
Asset Allocation
Asset Class Value Cash 3.07% Debt 96.69% Other 0.24% Debt Sector Allocation
Sector Value Corporate 61.56% Government 35.13% Cash Equivalent 3.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -9% ₹2,582 Cr 252,236,200
↑ 133,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹1,874 Cr 182,000,000
↑ 17,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹891 Cr 85,161,700
↓ -49,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹765 Cr 74,000,000
↑ 9,500,000 Small Industries Development Bank Of India
Debentures | -3% ₹751 Cr 74,550 National Bank For Agriculture And Rural Development
Debentures | -2% ₹623 Cr 61,000
↓ -12,500 Small Industries Development Bank Of India
Debentures | -2% ₹603 Cr 6,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹593 Cr 59,000 Bajaj Housing Finance Limited
Debentures | -2% ₹563 Cr 55,000 Bajaj Finance Limited
Debentures | -2% ₹457 Cr 45,000
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