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Fincash » Mutual Funds » Debt Funds for Lump Sum

Debt Mutual Funds for Your Lump Sum Investment

Updated on September 25, 2020 , 155 views

Usually, when someone wants to invest in Mutual Funds, they are confused if they should take a SIP route or a lump sum. Let’s make it simple for you! Investors who are planning to invest in debt funds should ideally choose a one-time payment mode, that is a lump sum mode of investment. It is always wise to invest for a shorter duration with easy liquidity.

Why Lump Sum for Debt Mutual Fund Investment?

For a lump sum investment, debt funds are a better option as compared to Equity Mutual Funds. A lump sum route reduces the risk of change in interest rate as well as gives a better return in comparison to fixed deposits (FDs). Ideally, when you invest in debt funds taking a lump sum route, it solves two issues- one is tax benefits and other is re-investment risk.

During the rising interest rates, it is a good time to take a lump sum route in debt oriented funds with a portfolio of high-quality Bonds. These funds are usually suitable for people who have idle savings and want to invest for optimal returns. Any number of lump sum payments can be made in a Mutual Fund.

A lump sum investment works well as compared to a systematic Investment plan- only if invested during the market slump or at lower valuations. However, lump sum Investing may not work if one is overinvesting when the market valuations are stretched or when the markets correct sharply in the early phase of your investment.

Why Debt Mutual Fund for Lump sum Investing

How to Invest in Debt Funds: Make an Evaluation

Fund Returns- A food should have a good track record. Go for a fund house that has a strong history of delivering consistent performance. Check the fund’s past 1, 3 and 5 year return and if it is able to beat its benchmark or not.

Match Time Horizons- Debt funds offer diverse choices of investment with its respective maturity period. Investors need to decide investment based on their maturity period, while they can also compare with other Debt fund instruments and select the one that suits the best for their plan. For example, if you are looking at the time frame of one-year Investment plan then, a short term debt fund can ideally suit.

Expense Ratio- An important factor to be considered in debt funds is its expense ratio. A higher expense ratio creates a larger impact on the funds' performance. For example, Liquid Funds have the lowest expense ratios which are up to 50 bps (BPS is a unit to measure interest rates wherein one bps is equal to 1/100th of 1%) Whereas, other debt funds could charge up to 150 bps. So to make a choice between one debt mutual fund, it is important to consider the management fee or the fund running expense.

Top 10 Best Lump Sum Debt Mutual Funds 2020 - 2021

Below are the top ranked funds from Debt Categories primarily funds having AUM > 2000 Crore & are in Ultra-short, Corporate bond, Credit Risk, Low Duration sub categories.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth ₹83.384
↓ 0.00
₹20,205 1,000 1.76.711.28.89.65.6%2Y 8M 1D3Y 4M 10D
HDFC Corporate Bond Fund Growth ₹24.212
↓ 0.00
₹21,052 5,000 1.55.810.88.710.35.71%3Y 3M 11D4Y 6M 14D
Aditya Birla Sun Life Savings Fund Growth ₹413.506
↑ 0.17
₹16,218 1,000 1.54.27.67.78.54.52%6M6M 18D
ICICI Prudential Corporate Bond Fund Growth ₹22.0329
↑ 0.00
₹16,162 5,000 1.65.910.48.39.95.41%2Y 10M 17D4Y 11D
Kotak Corporate Bond Fund Standard Growth ₹2,829.14
↑ 1.13
₹6,586 5,000 1.75.39.58.59.65.04%1Y 11M 5D2Y 3M
HDFC Credit Risk Debt Fund Growth ₹17.3116
↑ 0.00
₹6,181 5,000 2.84.39.27.18.69.79%2Y 22D2Y 10M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Sep 20

1. Aditya Birla Sun Life Corporate Bond Fund

(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 CAGR/Annualized return of 9.4% since its launch.  Ranked 1 in Corporate Bond category.  Return for 2019 was 9.6% , 2018 was 7% and 2017 was 6.5% .

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund
Growth
Launch Date 3 Mar 97
NAV (28 Sep 20) ₹83.384 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹20,205 on 31 Aug 20
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.39
Sharpe Ratio 2.48
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 5.6%
Effective Maturity 3 Years 4 Months 10 Days
Modified Duration 2 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Aug 15₹10,000
31 Aug 16₹10,994
31 Aug 17₹11,939
31 Aug 18₹12,513
31 Aug 19₹13,829
31 Aug 20₹15,341

Aditya Birla Sun Life 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 ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for Aditya Birla Sun Life 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 28 Sep 20

DurationReturns
1 Month 0.8%
3 Month 1.7%
6 Month 6.7%
1 Year 11.2%
3 Year 8.8%
5 Year 8.9%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.6%
2018 7%
2017 6.5%
2016 10.2%
2015 8.9%
2014 10.9%
2013 8.4%
2012 10.6%
2011 9.5%
2010 3.8%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Maneesh Dangi1 Apr 173.42 Yr.
Kaustubh Gupta1 Apr 173.42 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Aug 20

Asset Allocation
Asset ClassValue
Cash3.33%
Debt96.67%
Debt Sector Allocation
SectorValue
Corporate54.2%
Government42.29%
Cash Equivalent3.33%
Securitized0.18%
Credit Quality
RatingValue
AA2.18%
AAA97.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Larsen And Toubro Limited
Debentures | -
3%₹539 Cr5,150
Reliance Industries Limited
Debentures | -
3%₹538 Cr5,150
National Bank For Agriculture And Rural Development
Debentures | -
2%₹490 Cr4,700
8.24% Govt Stock 2027
Sovereign Bonds | -
2%₹472 Cr42,500,000
↑ 2,000,000
Power Finance Corporation Ltd.
Debentures | -
2%₹423 Cr4,050
Rural Electrification Corporation Limited
Debentures | -
2%₹418 Cr4,000
Housing Development Finance Corporation Limited
Debentures | -
2%₹418 Cr4,050
Reliance Industries Limited
Debentures | -
2%₹417 Cr4,000
Reliance Industries Limited
Debentures | -
2%₹377 Cr3,581
8.15% Govt Stock 2026
Sovereign Bonds | -
2%₹371 Cr33,500,000
↑ 4,500,000

2. HDFC Corporate Bond Fund

(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 CAGR/Annualized return of 9% since its launch.  Ranked 2 in Corporate Bond category.  Return for 2019 was 10.3% , 2018 was 6.5% and 2017 was 6.5% .

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund
Growth
Launch Date 29 Jun 10
NAV (28 Sep 20) ₹24.212 ↓ 0.00   (-0.02 %)
Net Assets (Cr) ₹21,052 on 31 Aug 20
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.44
Sharpe Ratio 1.92
Information Ratio 0.23
Alpha Ratio 0.6
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.71%
Effective Maturity 4 Years 6 Months 14 Days
Modified Duration 3 Years 3 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 15₹10,000
31 Aug 16₹11,014
31 Aug 17₹11,986
31 Aug 18₹12,505
31 Aug 19₹13,896
31 Aug 20₹15,351

HDFC 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 ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for HDFC 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 28 Sep 20

DurationReturns
1 Month 0.8%
3 Month 1.5%
6 Month 5.8%
1 Year 10.8%
3 Year 8.7%
5 Year 8.9%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2019 10.3%
2018 6.5%
2017 6.5%
2016 10.6%
2015 8.6%
2014 10.9%
2013 7.6%
2012 10.5%
2011 8.7%
2010
Fund Manager information for HDFC Corporate Bond Fund
NameSinceTenure
Anupam Joshi27 Oct 154.85 Yr.
Chirag Dagli31 Jul 191.09 Yr.

Data below for HDFC Corporate Bond Fund as on 31 Aug 20

Asset Allocation
Asset ClassValue
Cash3.83%
Debt96.17%
Debt Sector Allocation
SectorValue
Corporate49.19%
Government46.81%
Cash Equivalent3.83%
Securitized0.16%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2027
Sovereign Bonds | -
9%₹1,933 Cr186,500,000
↑ 16,500,000
6.97% Govt Stock 2026
Sovereign Bonds | -
5%₹1,103 Cr105,000,000
↑ 41,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -
3%₹707 Cr65,500,000
↓ -4,500,000
State Bank Of India
Debentures | -
3%₹701 Cr6,500
Housing Development Finance Corporation Limited
Debentures | -
3%₹631 Cr5,993
Reliance Industries Limited
Debentures | -
3%₹566 Cr5,000
LIC HOUSING FINANCE LIMITED
Debentures | -
3%₹545 Cr5,000
Housing Development Finance Corporation Limited
Debentures | -
2%₹515 Cr5,000
Food Corporation Of India
Debentures | -
2%₹445 Cr4,124
↑ 1,500
LIC Housing Finance Limited
Debentures | -
2%₹432 Cr4,000

3. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.8% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2019 was 8.5% , 2018 was 7.6% and 2017 was 7.2% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (28 Sep 20) ₹413.506 ↑ 0.17   (0.04 %)
Net Assets (Cr) ₹16,218 on 31 Aug 20
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.35
Sharpe Ratio 2.52
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 4.52%
Effective Maturity 6 Months 18 Days
Modified Duration 6 Months

Growth of 10,000 investment over the years.

DateValue
31 Aug 15₹10,000
31 Aug 16₹10,922
31 Aug 17₹11,812
31 Aug 18₹12,580
31 Aug 19₹13,709
31 Aug 20₹14,759

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Sep 20

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 4.2%
1 Year 7.6%
3 Year 7.7%
5 Year 8.1%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
2014 9.7%
2013 9.5%
2012 9.7%
2011 9.2%
2010 5.8%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha11 Oct 145.89 Yr.
Kaustubh Gupta15 Jul 119.14 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 20

Asset Allocation
Asset ClassValue
Cash47.34%
Debt52.66%
Debt Sector Allocation
SectorValue
Corporate54.18%
Cash Equivalent29.62%
Government15.41%
Securitized0.79%
Credit Quality
RatingValue
AA9.71%
AAA90.29%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Mahindra & Mahindra Financial Services Limited
Debentures | -
3%₹454 Cr4,450
↑ 4,450
8.12% Govt Stock 2020
Sovereign Bonds | -
2%₹405 Cr40,000,000
↑ 40,000,000
Shriram Transport Finance Company Limited
Debentures | -
2%₹366 Cr3,750
REC Limited
Debentures | -
2%₹330 Cr3,200
↑ 3,200
Housing Development Finance Corporation Limited
Debentures | -
2%₹297 Cr2,925
↑ 250
Rural Electrification Corporation Limited
Debentures | -
2%₹270 Cr2,650
6.81% MH SDL 2020
Sovereign Bonds | -
2%₹262 Cr26,000,000
Muthoot Finance Limited
Debentures | -
1%₹242 Cr2,350
Reliance Industries Limited
Debentures | -
1%₹234 Cr2,315
Rural Electrification Corporation Limited
Debentures | -
1%₹231 Cr2,250

4. 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.

ICICI Prudential Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 11 Aug 09. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 7 in Corporate Bond category.  Return for 2019 was 9.9% , 2018 was 6.4% and 2017 was 6.3% .

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (28 Sep 20) ₹22.0329 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹16,162 on 31 Aug 20
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.57
Sharpe Ratio 2.23
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.41%
Effective Maturity 4 Years 11 Days
Modified Duration 2 Years 10 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 15₹10,000
31 Aug 16₹10,957
31 Aug 17₹11,867
31 Aug 18₹12,438
31 Aug 19₹13,638
31 Aug 20₹15,032

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 ₹206,148.
Net Profit of ₹26,148
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 28 Sep 20

DurationReturns
1 Month 0.7%
3 Month 1.6%
6 Month 5.9%
1 Year 10.4%
3 Year 8.3%
5 Year 8.5%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.9%
2018 6.4%
2017 6.3%
2016 9.8%
2015 8.8%
2014 9.4%
2013 8.5%
2012 9%
2011 -0.9%
2010 5.3%
Fund Manager information for ICICI Prudential Corporate Bond Fund
NameSinceTenure
Rahul Goswami16 Oct 172.88 Yr.
Anuj Tagra2 Mar 200.5 Yr.
Chandni Gupta3 Aug 164.08 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 31 Aug 20

Asset Allocation
Asset ClassValue
Cash9.41%
Debt90.59%
Debt Sector Allocation
SectorValue
Corporate46.56%
Government43.68%
Cash Equivalent9.41%
Securitized0.35%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.19% Govt Stock 2034
Sovereign Bonds | -
7%₹1,093 Cr112,000,000
↑ 32,500,000
5.77% GOI 2030
Sovereign Bonds | -
6%₹984 Cr101,000,000
↑ 101,000,000
National Bank For Agriculture and Rural Development
Debentures | -
3%₹461 Cr4,600
↑ 4,600
6.79% Govt Stock 2027
Sovereign Bonds | -
3%₹425 Cr41,000,000
Pipeline Infrastructure Private Limited
Debentures | -
2%₹387 Cr3,619
↑ 3,619
7.59% Govt Stock 2026
Sovereign Bonds | -
2%₹308 Cr28,500,000
7.32% Govt Stock 2024
Sovereign Bonds | -
2%₹300 Cr28,000,000
↓ -22,000,000
7.57% Govt Stock 2033
Sovereign Bonds | -
2%₹287 Cr26,300,000
↓ -25,000,000
Sikka Port and Terminal Limited
Debentures | -
2%₹286 Cr2,750
8.15% Govt Stock 2026
Sovereign Bonds | -
2%₹260 Cr23,500,000

5. 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.

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 CAGR/Annualized return of 8.3% since its launch.  Ranked 15 in Corporate Bond category.  Return for 2019 was 9.6% , 2018 was 7.5% and 2017 was 6.9% .

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard
Growth
Launch Date 21 Sep 07
NAV (28 Sep 20) ₹2,829.14 ↑ 1.13   (0.04 %)
Net Assets (Cr) ₹6,586 on 31 Aug 20
Category Debt - Corporate Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.4
Sharpe Ratio 2.35
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.04%
Effective Maturity 2 Years 3 Months
Modified Duration 1 Year 11 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 15₹10,000
31 Aug 16₹10,849
31 Aug 17₹11,754
31 Aug 18₹12,494
31 Aug 19₹13,710
31 Aug 20₹15,001

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 ₹206,148.
Net Profit of ₹26,148
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 28 Sep 20

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 5.3%
1 Year 9.5%
3 Year 8.5%
5 Year 8.5%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.6%
2018 7.5%
2017 6.9%
2016 9.4%
2015 8.8%
2014 11.3%
2013 6.2%
2012 9.4%
2011 8.9%
2010 5.4%
Fund Manager information for Kotak Corporate Bond Fund Standard
NameSinceTenure
Deepak Agrawal31 Jan 155.59 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 31 Aug 20

Asset Allocation
Asset ClassValue
Cash2.27%
Debt97.73%
Debt Sector Allocation
SectorValue
Corporate57.01%
Government39.88%
Cash Equivalent2.27%
Securitized0.84%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.59% Govt Stock 2026
Sovereign Bonds | -
5%₹351 Cr32,500,000
↑ 25,000,000
7.68% Govt Stock 2023
Sovereign Bonds | -
4%₹270 Cr25,000,000
6.84% Govt Stock 2022
Sovereign Bonds | -
4%₹263 Cr25,000,000
↑ 25,000,000
Nabha Power Limited
Debentures | -
4%₹233 Cr2,250
Rural Electrification Corporation Limited
Debentures | -
3%₹205 Cr2,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹200 Cr1,950
7.79% HP SDL 2022
Sovereign Bonds | -
3%₹199 Cr19,000,000
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Debentures | -
2%₹164 Cr1,600
8.08% Govt Stock 2022
Sovereign Bonds | -
2%₹160 Cr15,000,000
↑ 15,000,000
7.52% TN SDL 2027
Sovereign Bonds | -
2%₹158 Cr15,000,000

6. HDFC Credit Risk Debt Fund

(Erstwhile HDFC Corporate Debt Opportunities Fund)

To generate regular income and capital appreciation by investing predominantly in corporate debt.

HDFC Credit Risk Debt Fund is a Debt - Credit Risk fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch.  Ranked 9 in Credit Risk category.  Return for 2019 was 8.6% , 2018 was 5.4% and 2017 was 6.6% .

Below is the key information for HDFC Credit Risk Debt Fund

HDFC Credit Risk Debt Fund
Growth
Launch Date 25 Mar 14
NAV (28 Sep 20) ₹17.3116 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹6,181 on 31 Aug 20
Category Debt - Credit Risk
AMC HDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.64
Sharpe Ratio 1
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL)
Yield to Maturity 9.79%
Effective Maturity 2 Years 10 Months 6 Days
Modified Duration 2 Years 22 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 15₹10,000
31 Aug 16₹11,075
31 Aug 17₹12,074
31 Aug 18₹12,532
31 Aug 19₹13,548
31 Aug 20₹14,776

HDFC Credit Risk 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 ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for HDFC Credit Risk 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 28 Sep 20

DurationReturns
1 Month 1%
3 Month 2.8%
6 Month 4.3%
1 Year 9.2%
3 Year 7.1%
5 Year 8.2%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.6%
2018 5.4%
2017 6.6%
2016 11%
2015 9%
2014
2013
2012
2011
2010
Fund Manager information for HDFC Credit Risk Debt Fund
NameSinceTenure
Shobhit Mehrotra25 Mar 146.44 Yr.
Chirag Dagli31 Jul 191.09 Yr.

Data below for HDFC Credit Risk Debt Fund as on 31 Aug 20

Asset Allocation
Asset ClassValue
Cash8.62%
Debt91.38%
Debt Sector Allocation
SectorValue
Corporate71.17%
Government21.31%
Cash Equivalent7.34%
Securitized0.18%
Credit Quality
RatingValue
A22.18%
AA42.3%
AAA35.16%
Below B0.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Pipeline Infrastructure Private Limited
Debentures | -
7%₹449 Cr4,200
↑ 4,200
Indinfravit Trust
Unlisted bonds | -
6%₹354 Cr3,500
Power Finance Corporation Limited
Debentures | -
5%₹308 Cr2,790
↑ 2,790
Punjab National Bank
Debentures | -
4%₹268 Cr2,725
Shriram - City Union Finance Limited
Debentures | -
4%₹262 Cr28,000
DLF Limited
Debentures | -
4%₹251 Cr2,500
Vedanta Limited
Debentures | -
4%₹223 Cr2,327
Tata Motors Limited
Debentures | -
3%₹197 Cr2,000
Tata Motors Limited
Debentures | -
3%₹188 Cr1,900
DLF Limited
Debentures | -
2%₹148 Cr1,500

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