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طویل مدتی قرض فنڈز- آپ کو کب سرمایہ کاری کرنی چاہئے؟

Updated on September 28, 2026 , 12365 views

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۔

long-term-debt-funds

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

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Bandhan Government Securities Fund - Investment Plan Growth ₹37.5049
↓ -0.01
₹1,850 5,000 1,000 -15.57.27.43.77.54%11Y 4M 24D28Y 4M 6D
Franklin India Corporate Debt Fund Growth ₹106.844
↑ 0.06
₹1,333 10,000 500 13.25.47.49.17.48%1Y 7M 17D3Y 2M 16D
BNP Paribas Corporate Bond Fund Growth ₹29.4709
↓ -0.01
₹275 5,000 300 0.83.55.47.48.37.25%2Y 7D2Y 8M 5D
Bandhan Corporate Bond Fund Growth ₹20.5223
↓ 0.00
₹13,668 5,000 1,000 0.53.25.36.97.47.17%2Y 9M 18D4Y 6M 4D
ICICI Prudential Corporate Bond Fund Growth ₹31.8894
↓ -0.02
₹29,688 5,000 100 0.43.15.37.187.69%3Y 1M 13D5Y 4M 28D
Nippon India Prime Debt Fund Growth ₹63.7455
₹9,051 1,000 100 0.434.77.17.87.5%2Y 9M 4D3Y 3M 7D
Franklin India Government Securities Fund Growth ₹61.4116
↑ 0.04
₹148 10,000 500 0.544.75.85.57.11%3Y 8M 16D10Y 4M 20D
Kotak Corporate Bond Fund Standard Growth ₹4,007.05
↑ 2.00
₹15,095 5,000 1,000 0.42.84.677.87.55%3Y 1M 6D5Y 5M 19D
UTI Gilt Fund Growth ₹65.4243
↓ -0.06
₹420 5,000 500 -0.32.84.56.25.16.15%3Y 6Y 10M 20D
Sundaram Corporate Bond Fund Growth ₹42.5472
↓ -0.01
₹617 5,000 250 0.52.84.46.87.57.26%2Y 4M 24D3Y 4M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 26

Research Highlights & Commentary of 10 Funds showcased

CommentaryBandhan Government Securities Fund - Investment PlanFranklin India Corporate Debt FundBNP Paribas Corporate Bond FundBandhan Corporate Bond FundICICI Prudential Corporate Bond FundNippon India Prime Debt FundFranklin India Government Securities FundKotak Corporate Bond Fund Standard UTI Gilt FundSundaram Corporate Bond Fund
Point 1Upper mid AUM (₹1,850 Cr).Lower mid AUM (₹1,333 Cr).Bottom quartile AUM (₹275 Cr).Upper mid AUM (₹13,668 Cr).Highest AUM (₹29,688 Cr).Upper mid AUM (₹9,051 Cr).Bottom quartile AUM (₹148 Cr).Top quartile AUM (₹15,095 Cr).Bottom quartile AUM (₹420 Cr).Lower mid AUM (₹617 Cr).
Point 2Established history (17+ yrs).Oldest track record among peers (29 yrs).Established history (17+ yrs).Established history (10+ yrs).Established history (17+ yrs).Established history (26+ yrs).Established history (24+ yrs).Established history (19+ yrs).Established history (24+ yrs).Established history (21+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 2★ (bottom quartile).Rating: 3★ (lower mid).Not Rated.Top rated.Rating: 4★ (top quartile).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 7.20% (top quartile).1Y return: 5.45% (top quartile).1Y return: 5.43% (upper mid).1Y return: 5.31% (upper mid).1Y return: 5.30% (upper mid).1Y return: 4.69% (lower mid).1Y return: 4.66% (lower mid).1Y return: 4.58% (bottom quartile).1Y return: 4.52% (bottom quartile).1Y return: 4.39% (bottom quartile).
Point 61M return: 0.23% (top quartile).1M return: 0.22% (upper mid).1M return: 0.23% (top quartile).1M return: 0.22% (upper mid).1M return: 0.01% (bottom quartile).1M return: 0.09% (lower mid).1M return: -0.31% (bottom quartile).1M return: 0.10% (lower mid).1M return: -0.31% (bottom quartile).1M return: 0.15% (upper mid).
Point 7Sharpe: 0.66 (top quartile).Sharpe: 0.25 (upper mid).Sharpe: 0.21 (upper mid).Sharpe: 0.06 (lower mid).Sharpe: 0.19 (lower mid).Sharpe: -0.12 (bottom quartile).Sharpe: 0.36 (top quartile).Sharpe: -0.17 (bottom quartile).Sharpe: 0.26 (upper mid).Sharpe: -0.32 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.54% (upper mid).Yield to maturity (debt): 7.48% (upper mid).Yield to maturity (debt): 7.25% (lower mid).Yield to maturity (debt): 7.17% (bottom quartile).Yield to maturity (debt): 7.69% (top quartile).Yield to maturity (debt): 7.50% (upper mid).Yield to maturity (debt): 7.11% (bottom quartile).Yield to maturity (debt): 7.55% (top quartile).Yield to maturity (debt): 6.15% (bottom quartile).Yield to maturity (debt): 7.26% (lower mid).
Point 10Modified duration: 11.40 yrs (bottom quartile).Modified duration: 1.63 yrs (top quartile).Modified duration: 2.02 yrs (top quartile).Modified duration: 2.80 yrs (upper mid).Modified duration: 3.12 yrs (bottom quartile).Modified duration: 2.76 yrs (upper mid).Modified duration: 3.71 yrs (bottom quartile).Modified duration: 3.10 yrs (lower mid).Modified duration: 3.00 yrs (lower mid).Modified duration: 2.40 yrs (upper mid).

Bandhan Government Securities Fund - Investment Plan

  • Upper mid AUM (₹1,850 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.20% (top quartile).
  • 1M return: 0.23% (top quartile).
  • Sharpe: 0.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.54% (upper mid).
  • Modified duration: 11.40 yrs (bottom quartile).

Franklin India Corporate Debt Fund

  • Lower mid AUM (₹1,333 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.45% (top quartile).
  • 1M return: 0.22% (upper mid).
  • Sharpe: 0.25 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.48% (upper mid).
  • Modified duration: 1.63 yrs (top quartile).

BNP Paribas Corporate Bond Fund

  • Bottom quartile AUM (₹275 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.43% (upper mid).
  • 1M return: 0.23% (top quartile).
  • Sharpe: 0.21 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.25% (lower mid).
  • Modified duration: 2.02 yrs (top quartile).

Bandhan Corporate Bond Fund

  • Upper mid AUM (₹13,668 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 5.31% (upper mid).
  • 1M return: 0.22% (upper mid).
  • Sharpe: 0.06 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.17% (bottom quartile).
  • Modified duration: 2.80 yrs (upper mid).

ICICI Prudential Corporate Bond Fund

  • Highest AUM (₹29,688 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 5.30% (upper mid).
  • 1M return: 0.01% (bottom quartile).
  • Sharpe: 0.19 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.69% (top quartile).
  • Modified duration: 3.12 yrs (bottom quartile).

Nippon India Prime Debt Fund

  • Upper mid AUM (₹9,051 Cr).
  • Established history (26+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.69% (lower mid).
  • 1M return: 0.09% (lower mid).
  • Sharpe: -0.12 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.50% (upper mid).
  • Modified duration: 2.76 yrs (upper mid).

Franklin India Government Securities Fund

  • Bottom quartile AUM (₹148 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.66% (lower mid).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 0.36 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.11% (bottom quartile).
  • Modified duration: 3.71 yrs (bottom quartile).

Kotak Corporate Bond Fund Standard

  • Top quartile AUM (₹15,095 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.58% (bottom quartile).
  • 1M return: 0.10% (lower mid).
  • Sharpe: -0.17 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.55% (top quartile).
  • Modified duration: 3.10 yrs (lower mid).

UTI Gilt Fund

  • Bottom quartile AUM (₹420 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 4.52% (bottom quartile).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 0.26 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 3.00 yrs (lower mid).

Sundaram Corporate Bond Fund

  • Lower mid AUM (₹617 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.39% (bottom quartile).
  • 1M return: 0.15% (upper mid).
  • Sharpe: -0.32 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.26% (lower mid).
  • Modified duration: 2.40 yrs (upper mid).

1. Bandhan Government Securities Fund - Investment Plan

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.

Research Highlights for Bandhan Government Securities Fund - Investment Plan

  • Upper mid AUM (₹1,850 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.20% (top quartile).
  • 1M return: 0.23% (top quartile).
  • Sharpe: 0.66 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.54% (upper mid).
  • Modified duration: 11.40 yrs (bottom quartile).
  • Average maturity: 28.35 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Triparty Repo Trp_160926 (~86.2%).
  • Top-3 holdings concentration ~99.7%.

Below is the key information for Bandhan Government Securities Fund - Investment Plan

Bandhan Government Securities Fund - Investment Plan
Growth
Launch Date 3 Dec 08
NAV (01 Oct 26) ₹37.5049 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹1,850 on 15 Aug 26
Category Debt - Government Bond
AMC IDFC Asset Management Company Limited
Rating ☆☆☆
Risk Moderate
Expense Ratio 1.14
Sharpe Ratio 0.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.54%
Effective Maturity 28 Years 4 Months 6 Days
Modified Duration 11 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,017
30 Sep 23₹10,679
30 Sep 24₹12,042
30 Sep 25₹12,338
30 Sep 26₹13,226

Bandhan Government Securities Fund - Investment Plan SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Bandhan Government Securities Fund - Investment Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 26

DurationReturns
1 Month 0.2%
3 Month -1%
6 Month 5.5%
1 Year 7.2%
3 Year 7.4%
5 Year 5.8%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 3.7%
2023 10.6%
2022 6.8%
2021 1.4%
2020 2.1%
2019 13.7%
2018 13.3%
2017 7.8%
2016 3.1%
2015 13.9%
Fund Manager information for Bandhan Government Securities Fund - Investment Plan
NameSinceTenure
Suyash Choudhary15 Oct 1015.89 Yr.
Brijesh Shah10 Jun 242.22 Yr.

Data below for Bandhan Government Securities Fund - Investment Plan as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash86.53%
Debt13.47%
Debt Sector Allocation
SectorValue
Cash Equivalent86.53%
Government13.47%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.36% Govt Stock 2052
Sovereign Bonds | -
8%₹130 Cr13,500,000
↓ -500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
6%₹101 Cr10,500,000
↓ -14,500,000
Triparty Repo Trp_160926
CBLO/Reverse Repo | -
86%₹1,477 Cr
Cash Margin - Ccil
CBLO/Reverse Repo | -
0%₹5 Cr
Net Current Assets
Net Current Assets | -
0%₹0 Cr

2. Franklin India Corporate Debt Fund

(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

  • Lower mid AUM (₹1,333 Cr).
  • Oldest track record among peers (29 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 5.45% (top quartile).
  • 1M return: 0.22% (upper mid).
  • Sharpe: 0.25 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.48% (upper mid).
  • Modified duration: 1.63 yrs (top quartile).
  • Average maturity: 3.21 yrs (top quartile).
  • Exit load: 0-1 Years (0.5%),1 Years and above(NIL).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Small Industries Development Bank Of India (~5.7%).

Below is the key information for Franklin India Corporate Debt Fund

Franklin India Corporate Debt Fund
Growth
Launch Date 23 Jun 97
NAV (01 Oct 26) ₹106.844 ↑ 0.06   (0.06 %)
Net Assets (Cr) ₹1,333 on 15 Aug 26
Category Debt - Corporate Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating ☆☆
Risk Moderate
Expense Ratio 0.79
Sharpe Ratio 0.25
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 7.48%
Effective Maturity 3 Years 2 Months 16 Days
Modified Duration 1 Year 7 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,232
30 Sep 23₹10,894
30 Sep 24₹11,705
30 Sep 25₹12,795
30 Sep 26₹13,492

Franklin India Corporate Debt Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Franklin India Corporate Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 26

DurationReturns
1 Month 0.2%
3 Month 1%
6 Month 3.2%
1 Year 5.4%
3 Year 7.4%
5 Year 6.2%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.1%
2023 7.6%
2022 6.5%
2021 3.2%
2020 3.8%
2019 9%
2018 9.2%
2017 7.5%
2016 7.7%
2015 9%
Fund Manager information for Franklin India Corporate Debt Fund
NameSinceTenure
Rahul Goswami6 Oct 232.91 Yr.
Anuj Tagra7 Mar 242.49 Yr.
Chandni Gupta7 Mar 242.49 Yr.

Data below for Franklin India Corporate Debt Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash12.86%
Debt86.86%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate67.03%
Government19.83%
Cash Equivalent12.86%
Credit Quality
RatingValue
AA7.1%
AAA92.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
6%₹80 Cr7,500
National Bank For Agriculture And Rural Development
Debentures | -
6%₹78 Cr7,500
Jamnagar Utilities & Power Private Limited
Debentures | -
5%₹76 Cr7,500
Poonawalla Fincorp Limited
Debentures | -
4%₹62 Cr5,950
RJ Corp Limited
Debentures | -
4%₹57 Cr5,467
LIC Housing Finance Ltd
Debentures | -
4%₹56 Cr5,500
Maharashtra SDL
Sovereign Bonds | -
4%₹54 Cr5,500,000
Small Industries Development Bank Of India
Debentures | -
4%₹52 Cr5,000
Mahindra And Mahindra Financial Services Limited
Debentures | -
4%₹51 Cr5,000
Summit Digitel Infrastructure Limited
Debentures | -
4%₹51 Cr5,000

3. BNP Paribas Corporate Bond Fund

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

  • Bottom quartile AUM (₹275 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 5.43% (upper mid).
  • 1M return: 0.23% (top quartile).
  • Sharpe: 0.21 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.25% (lower mid).
  • Modified duration: 2.02 yrs (top quartile).
  • Average maturity: 2.68 yrs (top quartile).
  • Exit load: 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL).
  • Top sector: Real Estate.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~80%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Rec Limited (~5.8%).

Below is the key information for BNP Paribas Corporate Bond Fund

BNP Paribas Corporate Bond Fund
Growth
Launch Date 8 Nov 08
NAV (01 Oct 26) ₹29.4709 ↓ -0.01   (-0.03 %)
Net Assets (Cr) ₹275 on 31 Aug 26
Category Debt - Corporate Bond
AMC BNP Paribas Asset Mgmt India Pvt. Ltd
Rating ☆☆☆
Risk Moderate
Expense Ratio 0.58
Sharpe Ratio 0.21
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 7.25%
Effective Maturity 2 Years 8 Months 5 Days
Modified Duration 2 Years 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,062
30 Sep 23₹10,756
30 Sep 24₹11,657
30 Sep 25₹12,638
30 Sep 26₹13,324

BNP Paribas Corporate Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for BNP Paribas Corporate 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 1 Oct 26

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 3.5%
1 Year 5.4%
3 Year 7.4%
5 Year 5.9%
10 Year
15 Year
Since launch 6.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.3%
2023 8.3%
2022 7%
2021 1.6%
2020 2.2%
2019 9.9%
2018 0.9%
2017 5.2%
2016 6.7%
2015 10.8%
Fund Manager information for BNP Paribas Corporate Bond Fund
NameSinceTenure
Gurvinder Wasan21 Oct 241.86 Yr.
Vikram Pamnani11 Jul 242.14 Yr.

Data below for BNP Paribas Corporate Bond Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash17.09%
Equity2.55%
Debt79.89%
Other0.48%
Debt Sector Allocation
SectorValue
Corporate73.79%
Cash Equivalent17.09%
Government6.1%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Rec Limited
Debentures | -
6%₹16 Cr1,600
Ntpc Limited
Debentures | -
5%₹15 Cr150
Small Industries Development Bank Of India
Debentures | -
4%₹12 Cr1,200
Hindustan Petroleum Corporation Limited
Debentures | -
4%₹10 Cr1,000
Hindustan Petroleum Corporation Limited
Debentures | -
4%₹10 Cr100
GAil (India) Limited
Debentures | -
4%₹10 Cr100
LIC Housing Finance Ltd
Debentures | -
4%₹10 Cr1,000
Bajaj Finance Limited
Debentures | -
4%₹10 Cr1,000
Ultratech Cement Limited
Debentures | -
4%₹10 Cr1,000
Tata Capital Housing Finance Limited
Debentures | -
4%₹10 Cr1,000

4. Bandhan Corporate Bond Fund

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

  • Upper mid AUM (₹13,668 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderate.
  • 1Y return: 5.31% (upper mid).
  • 1M return: 0.22% (upper mid).
  • Sharpe: 0.06 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.17% (bottom quartile).
  • Modified duration: 2.80 yrs (upper mid).
  • Average maturity: 4.51 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~70%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Reliance Industries Limited (~4.0%).

Below is the key information for Bandhan Corporate Bond Fund

Bandhan Corporate Bond Fund
Growth
Launch Date 12 Jan 16
NAV (01 Oct 26) ₹20.5223 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹13,668 on 15 Aug 26
Category Debt - Corporate Bond
AMC IDFC Asset Management Company Limited
Rating Not Rated
Risk Moderate
Expense Ratio 0.65
Sharpe Ratio 0.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.17%
Effective Maturity 4 Years 6 Months 4 Days
Modified Duration 2 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,173
30 Sep 23₹10,855
30 Sep 24₹11,692
30 Sep 25₹12,586
30 Sep 26₹13,255

Bandhan Corporate Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Bandhan Corporate 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 1 Oct 26

DurationReturns
1 Month 0.2%
3 Month 0.5%
6 Month 3.2%
1 Year 5.3%
3 Year 6.9%
5 Year 5.8%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 6.8%
2021 2.6%
2020 3.7%
2019 11.6%
2018 8.5%
2017 6.3%
2016 6.2%
2015
Fund Manager information for Bandhan Corporate Bond Fund
NameSinceTenure
Suyash Choudhary28 Jul 215.1 Yr.
Gautam Kaul1 Dec 214.75 Yr.
Brijesh Shah10 Jun 242.23 Yr.

Data below for Bandhan Corporate Bond Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash29.63%
Debt70.02%
Other0.34%
Debt Sector Allocation
SectorValue
Corporate58.05%
Cash Equivalent23.01%
Government18.59%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Limited
Debentures | -
4%₹537 Cr52,500,000
Reliance Industries Limited
Debentures | -
3%₹468 Cr45,500,000
↓ -10,000,000
Larsen And Toubro Limited
Debentures | -
3%₹351 Cr35,000,000
Small Industries Development Bank Of India
Debentures | -
3%₹342 Cr35,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹299 Cr30,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹296 Cr30,000,000
Bajaj Finance Limited
Debentures | -
2%₹295 Cr30,000,000
Grasim Industries Ltd
Debentures | -
2%₹290 Cr30,000,000
HDFC Bank Limited
Debentures | -
2%₹284 Cr28,000,000
↑ 8,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹270 Cr27,500,000

5. ICICI Prudential Corporate Bond Fund

(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

  • Highest AUM (₹29,688 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 5.30% (upper mid).
  • 1M return: 0.01% (bottom quartile).
  • Sharpe: 0.19 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.69% (top quartile).
  • Modified duration: 3.12 yrs (bottom quartile).
  • Average maturity: 5.41 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~98%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding LIC Housing Finance Ltd (~5.0%).

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (01 Oct 26) ₹31.8894 ↓ -0.02   (-0.07 %)
Net Assets (Cr) ₹29,688 on 31 Aug 26
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio 0.19
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.69%
Effective Maturity 5 Years 4 Months 28 Days
Modified Duration 3 Years 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,357
30 Sep 23₹11,129
30 Sep 24₹12,003
30 Sep 25₹12,976
30 Sep 26₹13,663

ICICI Prudential Corporate Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Corporate 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 1 Oct 26

DurationReturns
1 Month 0%
3 Month 0.4%
6 Month 3.1%
1 Year 5.3%
3 Year 7.1%
5 Year 6.4%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8%
2023 8%
2022 7.6%
2021 4.5%
2020 4.1%
2019 10.4%
2018 9.9%
2017 6.4%
2016 6.3%
2015 9.8%
Fund Manager information for ICICI Prudential Corporate Bond Fund
NameSinceTenure
Manish Banthia22 Jan 242.61 Yr.
Ritesh Lunawat22 Jan 242.61 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash1.7%
Debt97.96%
Other0.34%
Debt Sector Allocation
SectorValue
Corporate66.19%
Government34.09%
Credit Quality
RatingValue
AA0.56%
AAA99.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
5%₹1,453 Cr145,500
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
3%₹992 Cr1,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹888 Cr900
National Bank For Agriculture And Rural Development
Debentures | -
3%₹744 Cr74,550
Small Industries Development Bank Of India
Debentures | -
3%₹732 Cr74,433
National Bank For Agriculture And Rural Development
Debentures | -
2%₹683 Cr68,500
6.9% Govt Stock 2065
Sovereign Bonds | -
2%₹682 Cr75,938,000
6.94% Govt Stock 2036
Sovereign Bonds | -
2%₹679 Cr68,598,930
Bajaj Finance Limited
Debentures | -
2%₹494 Cr50,000
7.34% Govt Stock 2064
Sovereign Bonds | -
2%₹490 Cr51,474,000

6. Nippon India Prime Debt Fund

(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

  • Upper mid AUM (₹9,051 Cr).
  • Established history (26+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.69% (lower mid).
  • 1M return: 0.09% (lower mid).
  • Sharpe: -0.12 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.50% (upper mid).
  • Modified duration: 2.76 yrs (upper mid).
  • Average maturity: 3.27 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~86%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~4.9%).

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund
Growth
Launch Date 14 Sep 00
NAV (01 Oct 26) ₹63.7455
Net Assets (Cr) ₹9,051 on 31 Aug 26
Category Debt - Corporate Bond
AMC Nippon Life Asset Management Ltd.
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.71
Sharpe Ratio -0.13
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.5%
Effective Maturity 3 Years 3 Months 7 Days
Modified Duration 2 Years 9 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,332
30 Sep 23₹11,088
30 Sep 24₹12,034
30 Sep 25₹12,999
30 Sep 26₹13,608

Nippon India Prime Debt Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Prime Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 26

DurationReturns
1 Month 0.1%
3 Month 0.4%
6 Month 3%
1 Year 4.7%
3 Year 7.1%
5 Year 6.4%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 8.4%
2022 7.1%
2021 4.3%
2020 4.7%
2019 9.5%
2018 7.8%
2017 6.9%
2016 6.6%
2015 9.1%
Fund Manager information for Nippon India Prime Debt Fund
NameSinceTenure
Vivek Sharma1 Feb 206.59 Yr.
Kinjal Desai25 May 188.28 Yr.
Amber Singhania11 Mar 260.48 Yr.

Data below for Nippon India Prime Debt Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash13.77%
Debt85.91%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate71.47%
Government17.68%
Cash Equivalent10.54%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
5%₹448 Cr45,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹220 Cr2,158
Bajaj Finance Limited
Debentures | -
2%₹195 Cr20,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
2%₹194 Cr200
Rec Limited
Debentures | -
2%₹174 Cr17,500
Small Industries Development Bank Of India
Debentures | -
2%₹174 Cr17,500
Knowledge Realty TRust
Debentures | -
2%₹159 Cr16,000
Bajaj Housing Finance Limited
Debentures | -
2%₹150 Cr15,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹149 Cr15,000
Hdb Financial Services Limited
Debentures | -
2%₹149 Cr15,000

7. Franklin India Government Securities Fund

(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

  • Bottom quartile AUM (₹148 Cr).
  • Established history (24+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 4.66% (lower mid).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 0.36 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.11% (bottom quartile).
  • Modified duration: 3.71 yrs (bottom quartile).
  • Average maturity: 10.39 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~67%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Maharashtra SDL (~20.1%).
  • Top-3 holdings concentration ~41.2%.

Below is the key information for Franklin India Government Securities Fund

Franklin India Government Securities Fund
Growth
Launch Date 7 Dec 01
NAV (01 Oct 26) ₹61.4116 ↑ 0.04   (0.07 %)
Net Assets (Cr) ₹148 on 15 Aug 26
Category Debt - Government Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating ☆☆☆
Risk Moderate
Expense Ratio 1.14
Sharpe Ratio 0.36
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.11%
Effective Maturity 10 Years 4 Months 20 Days
Modified Duration 3 Years 8 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,117
30 Sep 23₹10,680
30 Sep 24₹11,502
30 Sep 25₹12,102
30 Sep 26₹12,666

Franklin India Government Securities Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for Franklin India Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 26

DurationReturns
1 Month -0.3%
3 Month 0.5%
6 Month 4%
1 Year 4.7%
3 Year 5.8%
5 Year 4.8%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.5%
2023 7.3%
2022 5.5%
2021 2.5%
2020 2.1%
2019 8.5%
2018 8%
2017 4.3%
2016 0.1%
2015 15.7%
Fund Manager information for Franklin India Government Securities Fund
NameSinceTenure
Rahul Goswami6 Oct 232.9 Yr.
Anuj Tagra7 Mar 242.48 Yr.

Data below for Franklin India Government Securities Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash33.41%
Debt66.59%
Debt Sector Allocation
SectorValue
Government87.04%
Cash Equivalent12.96%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Maharashtra SDL
Sovereign Bonds | -
20%₹29 Cr3,000,000
↑ 3,000,000
7.73% Andhra Sgs 2032
Sovereign Bonds | -
11%₹16 Cr1,500,000
7.62% Punjab Sgs 2033
Sovereign Bonds | -
10%₹15 Cr1,500,000
India (Republic of)
- | -
10%₹15 Cr1,500,000
India (Republic of)
- | -
10%₹15 Cr1,500,000
↑ 1,500,000
7.86% Haryana Sdl 2032
Sovereign Bonds | -
7%₹10 Cr1,000,000
Punjab (State Of) 7.02%
- | -
5%₹8 Cr800,000
↓ -1,200,000
Kerala (Government of) 7.56%
- | -
3%₹5 Cr510,200
7.17% Rajasthan Sdl 2032
Sovereign Bonds | -
3%₹5 Cr500,000
Bihar State Development Loans
Sovereign Bonds | -
2%₹3 Cr312,440

8. Kotak Corporate Bond Fund Standard

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

  • Top quartile AUM (₹15,095 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.58% (bottom quartile).
  • 1M return: 0.10% (lower mid).
  • Sharpe: -0.17 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.55% (top quartile).
  • Modified duration: 3.10 yrs (lower mid).
  • Average maturity: 5.47 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~3.5%).

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard
Growth
Launch Date 21 Sep 07
NAV (30 Sep 26) ₹4,007.05 ↑ 2.00   (0.05 %)
Net Assets (Cr) ₹15,095 on 31 Aug 26
Category Debt - Corporate Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.67
Sharpe Ratio -0.17
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.55%
Effective Maturity 5 Years 5 Months 19 Days
Modified Duration 3 Years 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,270
30 Sep 23₹10,962
30 Sep 24₹11,885
30 Sep 25₹12,826
30 Sep 26₹13,414

Kotak Corporate Bond Fund Standard SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Kotak Corporate Bond Fund Standard

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 26

DurationReturns
1 Month 0.1%
3 Month 0.4%
6 Month 2.8%
1 Year 4.6%
3 Year 7%
5 Year 6%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 8.3%
2022 6.9%
2021 3.7%
2020 3.8%
2019 9.7%
2018 9.6%
2017 7.5%
2016 6.9%
2015 9.4%
Fund Manager information for Kotak Corporate Bond Fund Standard
NameSinceTenure
Deepak Agrawal7 Aug 260.07 Yr.
Manu Sharma7 Aug 260.07 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash6.19%
Debt93.45%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate72.19%
Government22.57%
Cash Equivalent4.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹523 Cr52,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹499 Cr50,000
Small Industries Development Bank Of India
Debentures | -
3%₹471 Cr47,500
Bajaj Finance Limited
Debentures | -
3%₹435 Cr43,500
Power Finance Corporation Limited
Debentures | -
3%₹392 Cr40,000
6.9% Govt Stock 2065
Sovereign Bonds | -
3%₹384 Cr42,800,000
↓ -5,500,000
Karnataka (Government of) 0.0756%
- | -
2%₹352 Cr35,700,000
↓ -10,000,000
Mahindra And Mahindra Financial Services Limited
Debentures | -
2%₹300 Cr30,000
Knowledge Realty TRust
Debentures | -
2%₹297 Cr30,000
Larsen And Toubro Limited
Debentures | -
2%₹273 Cr2,700

9. UTI Gilt Fund

(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

  • Bottom quartile AUM (₹420 Cr).
  • Established history (24+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 4.52% (bottom quartile).
  • 1M return: -0.31% (bottom quartile).
  • Sharpe: 0.26 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 3.00 yrs (lower mid).
  • Average maturity: 6.89 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.9% Govt Stock 2065 (~44.3%).
  • Top-3 holdings concentration ~74.5%.

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (01 Oct 26) ₹65.4243 ↓ -0.06   (-0.09 %)
Net Assets (Cr) ₹420 on 31 Aug 26
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 0.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.15%
Effective Maturity 6 Years 10 Months 20 Days
Modified Duration 3 Years

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,132
30 Sep 23₹10,824
30 Sep 24₹11,883
30 Sep 25₹12,409
30 Sep 26₹12,970

UTI Gilt Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for UTI 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 1 Oct 26

DurationReturns
1 Month -0.3%
3 Month -0.3%
6 Month 2.8%
1 Year 4.5%
3 Year 6.2%
5 Year 5.3%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 5.1%
2023 8.9%
2022 6.7%
2021 2.9%
2020 2.3%
2019 10.3%
2018 11.8%
2017 6.3%
2016 4.3%
2015 15.5%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Pankaj Pathak8 Apr 251.4 Yr.

Data below for UTI Gilt Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash9.07%
Debt90.93%
Debt Sector Allocation
SectorValue
Government90.93%
Cash Equivalent9.07%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.9% Govt Stock 2065
Sovereign Bonds | -
44%₹184 Cr2,050,000,000
↓ -50,000,000
6.79% Govt Stock 2027
Sovereign Bonds | -
18%₹75 Cr750,000,000
↓ -250,000,000
7.71% Govt Stock 2066
Sovereign Bonds | -
12%₹50 Cr500,000,000
↑ 500,000,000
7.24% Govt Stock 2055
Sovereign Bonds | -
9%₹38 Cr400,000,000
7.18% Tamilnadu SDL 2027
Sovereign Bonds | -
4%₹15 Cr150,000,000
7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -
2%₹8 Cr85,730,000
7.77% Andhra Sdl 2028
Sovereign Bonds | -
1%₹5 Cr50,000,000
Day Tbill
Sovereign Bonds | -
0%₹2 Cr16,050,000
↓ -300,000,000
Net Current Assets
Net Current Assets | -
9%₹36 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹2 Cr00

10. Sundaram Corporate Bond Fund

(Erstwhile Sundaram Flexible Fund-Flexible Income Plan)

To generate reasonable returns by creating a portfolio comprising substantially of fixed income instruments and money market instruments by keeping the interest rate risk of the fund low.

Research Highlights for Sundaram Corporate Bond Fund

  • Lower mid AUM (₹617 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.39% (bottom quartile).
  • 1M return: 0.15% (upper mid).
  • Sharpe: -0.32 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.26% (lower mid).
  • Modified duration: 2.40 yrs (upper mid).
  • Average maturity: 3.36 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~82%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Indian Railway Finance Corporation Limited (~6.3%).

Below is the key information for Sundaram Corporate Bond Fund

Sundaram Corporate Bond Fund
Growth
Launch Date 30 Dec 04
NAV (01 Oct 26) ₹42.5472 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹617 on 31 Aug 26
Category Debt - Corporate Bond
AMC Sundaram Asset Management Company Ltd
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio -0.33
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 250
Exit Load NIL
Yield to Maturity 7.26%
Effective Maturity 3 Years 4 Months 10 Days
Modified Duration 2 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,275
30 Sep 23₹10,898
30 Sep 24₹11,798
30 Sep 25₹12,705
30 Sep 26₹13,263

Sundaram Corporate Bond Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Sundaram Corporate 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 1 Oct 26

DurationReturns
1 Month 0.2%
3 Month 0.5%
6 Month 2.8%
1 Year 4.4%
3 Year 6.8%
5 Year 5.8%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 8%
2022 6.3%
2021 3.7%
2020 3.5%
2019 11%
2018 11.3%
2017 4.8%
2016 5.4%
2015 11.7%
Fund Manager information for Sundaram Corporate Bond Fund
NameSinceTenure
Kumaresh Ramakrishnan9 Jun 260.23 Yr.
Sandeep Agarwal1 Jun 1214.26 Yr.
Ronak Shah13 Aug 260.05 Yr.

Data below for Sundaram Corporate Bond Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash17.21%
Debt82.3%
Other0.49%
Debt Sector Allocation
SectorValue
Corporate62.15%
Government28.65%
Cash Equivalent8.71%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indian Railway Finance Corporation Limited
Debentures | -
6%₹40 Cr4,000
LIC Housing Finance Ltd
Debentures | -
5%₹30 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
5%₹29 Cr3,000
Small Industries Development Bank Of India
Debentures | -
4%₹25 Cr2,500
Rec Limited
Debentures | -
4%₹25 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
4%₹25 Cr2,500
Embassy Office Parks Reit
Debentures | -
4%₹25 Cr2,500
6.94% Govt Stock 2036
Sovereign Bonds | -
4%₹25 Cr2,500,000
India (Republic of) 6.53%
Sovereign Bonds | -
4%₹25 Cr2,500,000
↑ 2,500,000
Kotak Mahindra Prime Limited
Debentures | -
4%₹25 Cr2,500

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