ICICI Pru Corporate Bond-IDCWM

Fund Category: Corporate Bond

Fund Category Corporate Bond

Moderate Debt IDCW Monthly

3 Morning Star

5 Value Research

NAV( 12 May 2026)

₹ 10.39
0.15%

ICICI Pru Corporate Bond-IDCWM

Invest now

Performance

7.23%3y Returns

-0.09% 1D Returns

Investment details

  • Min SIP amount

    ₹ 100
  • Min Lumpsum

    ₹ 100
  • Lock In

    0
  • Expense ratio

    0.56%
  • Exit load

    NIL
    L After 365 days

Fund details

View Fund Documents
  • Fund size

    ₹ 32,682 Cr
  • Plan

    REGULAR
  • Launch date

    10 Jun 2009
  • Fund type

    OPEN
  • Fund benchmark

    Nifty Corporate Bond Index A-II
  • ISIN

    INF109K01CT5

Fund allocation

Asset allocation

Company holdings
Company Allocation %
National Bank For Agriculture & Rural Development SR 26B Bonds 6.85 19/01/2029 0.07%
Power Finance Corporation Ltd SR 248B Bonds 7.45 0.61%
REC Ltd SR 245A Bonds 7.44 29/02/2028 0.23%
Small Industries Devp. Bank of India Ltd SR IV Bonds 7.04 09/02/2029 2.39%
National Bank For Agriculture & Rural Development SR 25B Bonds 7.64 06/12/2029 0.66%
Bharat Sanchar Nigam Ltd SR III B Bonds 7.51 20/03/2034 0.15%
Small Industries Devp. Bank of India Ltd SR IV Bonds 7.79 19/04/2027 0.05%
LIC Housing Finance Ltd Bonds 7.64 26/07/2033 0.15%
National Bank For Agriculture & Rural Development SR 25G Bonds 7.48 15/09/2028 0.92%
ICICI Home Finance Company Ltd SR HDBSEP251 Bonds 7.95 20/12/2027 0.03%
National Bank For Agriculture & Rural Development SR 25C Bonds 7.44 24/02/2028 1.91%
Small Industries Devp. Bank of India Ltd SR III Bonds 7.34 26/02/2029 1.24%
Export-Import Bank Of India SR-T-06 Bonds 7.62 01/09/2026 0.01%
National Bank For Agriculture & Rural Development SR 26E Bonds 7.10 29/03/2029 0.3%
LIC Housing Finance Ltd NCD 7.58 23/03/2035 4.45%
National Bank For Agriculture & Rural Development SR LTIF G POD NCD 6.79 04/08/2031 0.0%
LIC Housing Finance Ltd NCD 7.65 19/08/2031 0.15%
Embassy Office Parks REIT SR XI NCD 7.96 27/09/2027 0.09%
Fullerton India Home Finance Ltd SR 27 NCD 8.07 10/09/2027 0.23%
Summit Digitel Infrastructure Pvt. Ltd NCD 7.87 15/03/2030 0.87%
SMFG India Credit Company Ltd SR 109 OP II NCD 8.28 05/08/2026 0.26%
Kohima-Mariani Transmission Ltd NCD 30/06/2027 0.47%
Dabur India Ltd NCD 7.35 18/03/2027 0.46%
Bajaj Finance Ltd NCD 7.31 11/02/2028 0.15%
Mindspace Business Parks REIT SR NCD 7.1652 05/03/2029 0.23%
Oriental Infratrust Invit NCD 7.12 31/03/2040 0.29%
Karnataka State SDL 7.13 20/08/2034 0.17%
Maharashtra State SDL 7.12 05/02/2038 0.43%
Maharashtra State SDL 7.14 05/02/2039 0.39%
Karnataka State SDL 7.47 25/08/2036 0.68%
HDFC Bank Ltd CD 05/03/2027 0.87%
Canara Bank CD 26/02/2027 0.87%
National Bank For Agriculture & Rural Development SR 26A Debenture 6.66 12/10/2028 0.15%
Bharti Telecom Ltd SR XXV Debenture 7.35 15/10/2027 0.27%
Others IRS 0.46%
LIC Housing Finance Ltd Debenture 7.95 29/01/2028 0.58%
Mahanagar Telephone Nigam Ltd SR V/ Debenture 11/10/2030 0.49%
Power Finance Corporation Ltd Debenture 7.63 14/08/2026 0.14%
HDFC Bank Ltd Bonds/Deb 7.95 21/09/2026 0.08%
REC Ltd SR 223B Debenture 7.46 30/06/2028 0.15%
National Bank For Agriculture & Rural Development SR 24B Debenture 7.49 15/10/2026 0.19%
National Bank For Agriculture & Rural Development SR 26F Bonds 7.44 17/07/2029 0.68%
National Bank For Agriculture & Rural Development SR Bonds 7.01 26-D 16/03/2029 0.11%
Indian Railway Finance Corporation Ltd Bonds 8.75 29/11/2026 0.0%
Power Finance Corporation Ltd SR 246A Bonds 7.42 15/04/2028 0.38%
LIC Housing Finance Ltd Bonds 7.66 11/12/2029 0.06%
LIC Housing Finance Ltd Bonds 7.58 19/01/2035 0.02%
National Bank For Agriculture & Rural Development SR 25E Bonds 7.53 24/03/2028 2.28%
REC Ltd SR 230-A Bonds 7.71 26/02/2027 0.38%
Mahindra & Mahindra Financial Services Ltd Bonds 7.90 30/08/2027 0.15%
Tata Capital Housing Finance Ltd SR C Bonds 8.0409 19/03/2027 0.15%
ICICI Home Finance Company Ltd SR HDBNOV253 OP 2 Bonds 25/02/2028 0.31%
Small Industries Devp. Bank of India Ltd SR V Bonds 7.51 12/06/2028 0.81%
ICICI Home Finance Company Ltd SR HDBMAY262 Bonds 7.19 22/08/2028 0.3%
LIC Housing Finance Ltd Bonds 7.56 14/06/2027 0.08%
Power Finance Corporation Ltd SR-168B Bonds 7.44 11/06/2027 0.05%
REC Ltd SR-147 Bonds 7.95 12/03/2027 0.15%
Uttar Pradesh State SDL 7.36 03/12/2036 0.02%
Telangana State SDL 7.34 26/11/2038 0.24%
Odisha State SDL 7.43 17/09/2040 0.05%
Maharashtra State SDL 7.27 24/09/2036 0.08%
Rajasthan State SDL 7.46 01/10/2038 0.59%
Maharashtra State SDL 7.18 10/09/2033 0.59%
Tamilnadu State SDL 7.26 24/09/2035 0.59%
Bihar State SDL 7.58 01/10/2043 0.01%
Tamilnadu State SDL 7.19 17/09/2033 0.01%
Andhra Pradesh State SDL 7.63 03/09/2037 0.17%
Bihar State SDL 7.52 10/09/2036 0.51%
Rajasthan State SDL 7.54 24/12/2035 0.23%
Haryana State SDL 7.52 28/08/2039 0.22%
Himachal Pradesh State SDL 7.56 28/08/2040 0.45%
Madhya Pradesh State SDL 7.57 28/08/2043 1.24%
Rajasthan State SDL 7.57 28/08/2043 0.86%
Madhya Pradesh State SDL 7.57 28/08/2045 1.46%
West Bengal State SDL 7.29 12/03/2038 0.06%
Chhattisgarh State SDL 7.32 05/03/2037 0.33%
India Universal Trust AL1 SERIES A1 PTC Sec. Debt 20/09/2026 0.08%
India Universal Trust AL1 SERIES A2 PTC Sec. Debt 20/07/2027 0.61%
National Bank For Agriculture & Rural Development SR 24A FRB 7.50 0.08%
Power Finance Corporation Ltd SR BS225A Debenture 7.77 15/07/2026 0.31%
LIC Housing Finance Ltd Debenture 8.025 23/03/2033 0.23%
Power Finance Corporation Ltd Debenture 7.55 15/07/2026 0.15%
LIC Housing Finance Ltd Debenture 7.71 09/05/2033 0.15%
Kotak Mahindra Investments Ltd Debenture 8.2185 27/11/2026 0.0%
REC Ltd SR 227-A Debenture 7.77 30/09/2026 0.86%
Kotak Mahindra Prime Ltd Debenture 8.09 09/11/2026 0.0%
Small Industries Devp. Bank of India Ltd SR V Debenture 7.83 24/11/2028 0.31%
Indian Railway Finance Corporation Ltd SR 173 Debenture 7.68 24/11/2026 0.02%
LIC Housing Finance Ltd Debenture 6.40 30/11/2026 0.01%
Small Industries Devp. Bank of India Ltd SR VI Debenture 7.79 14/05/2027 0.34%
Tata Capital Financial Services Ltd SR B STRPP-I Debenture 7.905 03/12/2026 0.0%
National Bank For Agriculture & Rural Development SR 24E Debenture 7.80 15/03/2027 0.12%
Small Industries Devp. Bank of India Ltd SR VII Debenture 7.75 10/06/2027 0.25%
LIC Housing Finance Ltd Debenture 7.69 06/02/2034 0.17%
National Bank For Agriculture & Rural Development SR F24 Debenture 7.68 30/04/2029 0.15%
Knowledge Realty Trust Debenture 7.20 26/09/2028 0.27%
Reserve Bank of India T-Bills 364-D 17/09/2026 0.01%
Goldman Sachs (India) Finance Pvt Ltd SR I Debenture 7.44 22/09/2028 0.9%
Bajaj Housing Finance Ltd Debenture 7.98 09/09/2026 0.03%
Small Industries Devp. Bank of India Ltd SR II Debenture 6.74 10/01/2029 0.24%
LIC Housing Finance Ltd Bonds 7.80 22/12/2027 1.53%
Grasim Industries Ltd SR II Bonds 7.63 01/12/2027 0.03%
LIC Housing Finance Ltd Bonds 7.90 23/06/2027 0.35%
Axis Bank Ltd SR 9 NCD 7.27 26/11/2035 1.45%
Mahindra & Mahindra Financial Services Ltd SR AF2023 STRPP2 NCD 8.25 28/03/2028 0.54%
Nexus Select Trust SR III RR NCD 02/05/2032 0.61%
L&T Metro Rail (Hyderabad) Ltd NCD 7.55 28/04/2035 0.15%
LIC Housing Finance Ltd NCD 7.73 18/03/2027 0.23%
Nomura Fixed Income Securities Pvt. Ltd SR 1 NCD 8.25 25/06/2027 0.08%
Small Industries Devp. Bank of India Ltd SR I NCD 7.68 10/09/2027 0.05%
Nomura Capital (India) Pvt Ltd SR 03 NCD 8.85 03/03/2028 0.09%
REC Ltd SR 225 NCD 7.64 30/06/2026 1.3%
Power Finance Corporation Ltd SR BS233B NCD 7.64 25/08/2026 0.38%
HDFC Bank Ltd SR P012 NCD 8.45 18/05/2026 0.15%
Small Industries Devp. Bank of India Ltd SR III NCD 7.55 22/09/2026 0.0%
HDFC Bank Ltd SR P011 NCD 8.35 13/05/2026 0.31%
Shivshakti Securitisation Trust Sec. Debt 2.72%
Siddhivinayak Securitisation Trust Sec. Debt 3.03%
India Universal Trust AL1 Sec. Debt 8.20 20/09/2030 1.46%
Tata Capital Housing Finance Ltd SR D Debenture 8.10 19/02/2027 0.61%
Pipeline Infrastructure (India) Pvt. Ltd SR 3 Debenture 7.96 11/03/2029 0.86%
Tata Capital Ltd SR D STRPP II Debenture 8.098 23/09/2027 0.15%
Power Finance Corporation Ltd SR 259A Debenture 6.96 02/03/2028 0.44%
Housing & Urban Development Corporation Ltd SR D NCD 6.64 17/07/2028 0.9%
Mahanagar Telephone Nigam Ltd SR VIII TR C NCD 7.80 07/11/2033 0.52%
Mahindra & Mahindra Financial Services Ltd SR AK2023 STRPP 2 NCD 25/06/2027 0.95%
LIC Housing Finance Ltd NCD 6.90 17/09/2027 0.42%
Fullerton India Home Finance Ltd SR 29 NCD 7.40 19/05/2028 0.38%
Tata Capital Housing Finance Ltd SR B NCD 7.123 21/07/2027 0.15%
Embassy Office Parks REIT SR V TR B NCD 7.05 18/10/2026 0.09%
HDFC Bank Ltd CD 12/03/2027 0.58%
Punjab National Bank CD 15/09/2026 0.75%
HDFC Bank Ltd CD 15/02/2027 0.58%
Power Finance Corporation Ltd SR 258A Debenture 6.92 16/02/2028 0.15%
Indian Railway Finance Corporation Ltd SR 180 Debenture 7.39 15/07/2034 0.36%
REC Ltd SR 236-B Debenture 7.56 31/08/2027 0.66%
REC Ltd SR 237 Debenture 7.55 31/10/2026 0.15%
State Bank of India SR I Debenture 7.42 29/08/2039 0.23%
LIC Housing Finance Ltd Debenture 7.61 29/08/2034 0.51%
Mahindra & Mahindra Financial Services Ltd SR AC Debenture 24/12/2027 0.31%
Tata Capital Housing Finance Ltd SR D Debenture 7.712 14/01/2028 0.31%
National Bank For Agriculture & Rural Development SR MIF 1B Debenture 6.07 2027 0.07%
Summit Digitel Infrastructure Pvt. Ltd Debenture 6.59 16/06/2026 0.61%
LIC Housing Finance Ltd Debenture 6.17 03/09/2026 0.08%
HDFC Bank Ltd SR AB002 Debenture 7.97 17/02/2033 0.28%
HDFC Bank Ltd SR AA008 Debenture 7.77 28/06/2027 0.03%
HDFC Bank Ltd SR US006 Debenture 7.75 13/06/2033 0.23%
Bajaj Finance Ltd NCD 7.40 12/03/2029 0.38%
Nexus Select Trust SR IV TR A NCD 14/12/2035 0.22%
Citi Corp Finance Ltd SR 818 TR NCD 12/06/2028 0.51%
Tata Capital Housing Finance Ltd SR E NCD 7.30 11/02/2028 0.24%
Knowledge Realty Trust NCD 7.5378 08/05/2029 0.08%
GOI Sec 6.90 15/04/2065 2.19%
GOI Sec 7.34 22/04/2064 1.71%
GOI Sec 7.10 08/04/2034 0.02%
GOI Sec 4.45 30/10/2034 0.0%
GOI Sec 6.79 07/10/2034 0.08%
GOI Sec 7.09 05/08/2054 0.45%
Telangana State SDL 7.76 11/02/2039 0.4%
Haryana State SDL 7.78 11/02/2040 0.11%
CDMDF Class A2 0.3%
GOI Sec 6.48 06/10/2035 3.72%
GOI Sec 7.24 18/08/2055 0.41%
GOI Sec 6.68 07/07/2040 0.0%
GOI GOI FRB 22/09/2033 1.48%
Net Current Assets 0.64%
LIC Housing Finance Ltd FRB 7.74 11/02/2028 0.57%
Tata Capital Ltd SR P STRPP II Debenture 8.30 16/03/2027 1.23%
Repo 3.64%
Small Industries Devp. Bank of India Ltd CD 04/02/2027 0.18%
Punjab National Bank CD 04/02/2027 0.15%
Punjab National Bank CD 05/02/2027 0.36%
Power Finance Corporation Ltd SR BS216 Debenture 7.13 15/07/2026 0.32%
Tata Capital Financial Services Ltd SR H Debenture 7.68 07/09/2027 0.31%
LIC Housing Finance Ltd Debenture 8.75 08/12/2028 0.41%
LIC Housing Finance Ltd SR TR 376 Debenture 8.80 25/01/2029 0.24%
HDFC Bank Ltd SR 2 Debenture 7.86 02/12/2032 0.24%
HDFC Bank Ltd SR 3 Debenture 7.84 16/12/2032 0.31%
Power Finance Corporation Ltd SR BS221B Debenture 7.59 17/01/2028 0.09%
REC Ltd SR 218 A Debenture 7.56 30/06/2026 0.93%
National Bank For Agriculture & Rural Development SR 23I Debenture 7.62 31/01/2028 0.54%
LIC Housing Finance Ltd Debenture 8.48 29/06/2026 0.08%
REC Ltd SR 248A Debenture 6.52 31/01/2028 0.23%
Jamnagar Utilities and Power Pvt. Ltd SR PPD7 Debenture 7.90 10/08/2028 0.61%
Kotak Mahindra Investments Ltd Debenture 8.0359 06/10/2026 0.02%
Aditya Birla Finance Ltd SR I 8 Debenture 09/10/2026 0.01%
Pipeline Infrastructure (India) Pvt. Ltd SR 2 Debenture 7.96 11/03/2028 0.14%
Pipeline Infrastructure (India) Pvt. Ltd SR 1 Debenture 7.96 11/03/2027 0.37%
Aditya Birla Housing Finance Ltd SR K1 Debenture 8.20 26/02/2027 0.31%
Small Industries Devp. Bank of India Ltd SR IX Debenture 7.68 10/08/2027 0.41%
REC Ltd SR 232 A Debenture 7.59 31/05/2027 0.28%
National Bank For Agriculture & Rural Development SR 25A Debenture 7.70 30/09/2027 0.21%
REC Ltd SR 211 Bonds/NCD 6.23 31/10/2031 0.5%
Small Industries Devp. Bank of India Ltd SR IV Bonds/NCD 7.44 10/04/2028 0.58%
Bajaj Housing Finance Ltd Bonds/NCD 7.85 01/09/2028 0.08%
National Bank For Agriculture & Rural Development SR 24C Bonds/NCD 7.83 30/12/2026 0.31%
Small Industries Devp. Bank of India Ltd SR VII Bonds/NCD 7.42 12/03/2029 0.84%
Larsen & Toubro Ltd Bonds/NCD 7.725 28/04/2028 0.03%
Hindustan Petroleum Corporation Ltd SR I Bonds/NCD 7.74 02/03/2028 0.0%
REC Ltd SR 250A Debenture 6.60 30/06/2027 0.91%
Embassy Office Parks REIT SR XIV Debenture 6.965 19/03/2027 0.76%
Summit Digitel Infrastructure Pvt. Ltd Debenture 7.58 30/10/2031 0.47%
Bajaj Finance Ltd Debenture 7.7215 26/03/2027 0.38%
Sundaram Finance Ltd SR Y4 Debenture 7.75 11/12/2026 0.0%
Tata Capital Financial Services Ltd SR N Debenture 7.95 08/02/2028 0.91%
LIC Housing Finance Ltd Debenture 7.68 29/05/2034 0.02%
Jamnagar Utilities and Power Pvt. Ltd SR PPD8 Debenture 7.43 24/10/2034 1.4%
Tata Capital Housing Finance Ltd SR A Debenture 7.27 25/04/2028 0.08%
Sundaram Home Finance Ltd SR 349 Debenture 7.27 24/05/2027 0.15%
Embassy Office Parks REIT SR XIII B Debenture 7.22 16/05/2028 0.23%
Jio Credit Ltd SR 1 Debenture 7.19 15/03/2028 0.08%
Embassy Office Parks REIT SR XIII A Debenture 7.21 17/03/2028 0.15%
Sectors
Company Allocation %
Others 21.97%
Construction 4.57%
Sovereign 10.06%
Energy 0.47%
Consumer Staples 0.46%
Materials 0.03%
Financial 57.08%
Capital Goods 2.01%
Communication 3.38%

Risk Associated

Moderate
  • Investors be aware that principal under this fund will be at Moderate risk
  • This product is suitable for investors who are seeking capital appreciation over long term

Contact Information

Address:

ONE BKC,A-wing,13th FLOOR Bandra Kurla Complex

About

ICICI Prudential Asset Management Company ltd. is a leading asset management company in India focused on bridging the gap between savings and investments and creating long term wealth for investors through a wide range of investment solutions. The AMC is a joint venture between ICICI bank, a well-known and trusted name in financial services in india and Prudential Plc, UK's largest players in financial services sector. They believe that the investor's success is their success and every employee of their organization strives to create an unparalleled experience for all the investors.

  • Funds Offered

    9
  • AUM

    ₹ 1,87,047 Cr
  • Highest Return

    7.46%
About

Rahul Goswami Fund Manager - Role of a fund manager includes buying and selling of securities based on their research and analysis. Check out the mutual fund managers across all the categories for best guidance now

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NAV

33.6

1M Returns

0.08%

1Y Returns

4.02%

3Y Returns

6.81%

Min. Investment

Rs.100.0

Fund Size

Rs.31610.59 Cr

Fund Manager

Anupam Joshi
Moderate Debt G
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NAV

33.6

Min Investment

₹100.0

Fund Size

₹31610.59 cr

Fund Manager

Anupam Joshi
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DSP Corporate Bond Reg-G

2 Morning Star

5 Value Research

0.35 %

2 Morning Star

5 Value Research

NAV

16.75

1M Returns

0.35%

1Y Returns

6.03%

3Y Returns

6.9%

Min. Investment

Rs.100.0

Fund Size

Rs.2894.59 Cr

Fund Manager

Vivekanand Ramakrishnan
Low to Moderate Debt G
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NAV

16.75

Min Investment

₹100.0

Fund Size

₹2894.59 cr

Fund Manager

Vivekanand Ramakrishnan
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Kotak Corporate Bond Reg-G

4 Morning Star

4 Value Research

0.09 %

4 Morning Star

4 Value Research

NAV

3921.82

1M Returns

0.09%

1Y Returns

4.81%

3Y Returns

6.98%

Min. Investment

Rs.100.0

Fund Size

Rs.16877.17 Cr

Fund Manager

Deepak Agrawal
Moderate Debt G
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NAV

3921.82

Min Investment

₹100.0

Fund Size

₹16877.17 cr

Fund Manager

Deepak Agrawal
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Baroda BNP Paribas Corporate Bond Reg-G

2 Morning Star

0 Value Research

0.14 %

2 Morning Star

0 Value Research

NAV

33.19

1M Returns

0.14%

1Y Returns

5.21%

3Y Returns

7.06%

Min. Investment

Rs.5000.0

Fund Size

Rs.241.69 Cr

Fund Manager

Mayank Prakash
Moderate Debt G
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NAV

33.19

Min Investment

₹5000.0

Fund Size

₹241.69 cr

Fund Manager

Mayank Prakash
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Baroda BNP Paribas Corporate Bond-G

2 Morning Star

4 Value Research

0.14 %

2 Morning Star

4 Value Research

NAV

28.67

1M Returns

0.14%

1Y Returns

5.21%

3Y Returns

7.05%

Min. Investment

Rs.500.0

Fund Size

Rs.241.69 Cr

Fund Manager

Mayank Prakash
Moderate Debt G
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NAV

28.67

Min Investment

₹500.0

Fund Size

₹241.69 cr

Fund Manager

Mayank Prakash
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UTI Corporate Bond Reg-G

3 Morning Star

3 Value Research

0.21 %

3 Morning Star

3 Value Research

NAV

17.06

1M Returns

0.21%

1Y Returns

4.84%

3Y Returns

6.91%

Min. Investment

Rs.500.0

Fund Size

Rs.5542.92 Cr

Fund Manager

Anurag Mittal
Moderate Debt G
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NAV

17.06

Min Investment

₹500.0

Fund Size

₹5542.92 cr

Fund Manager

Anurag Mittal
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Aditya Birla SL Corporate Bond Reg-G

4 Morning Star

3 Value Research

0.06 %

4 Morning Star

3 Value Research

NAV

116.7

1M Returns

0.06%

1Y Returns

4.03%

3Y Returns

6.93%

Min. Investment

Rs.100.0

Fund Size

Rs.25167.88 Cr

Fund Manager

Kaustubh Gupta
Moderate Debt G
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NAV

116.7

Min Investment

₹100.0

Fund Size

₹25167.88 cr

Fund Manager

Kaustubh Gupta
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SBI Corporate Bond Reg-G

3 Morning Star

3 Value Research

0.16 %

3 Morning Star

3 Value Research

NAV

16.08

1M Returns

0.16%

1Y Returns

4.55%

3Y Returns

6.7%

Min. Investment

Rs.500.0

Fund Size

Rs.21910.53 Cr

Fund Manager

Rajeev Radhakrishnan
Moderate Debt G
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NAV

16.08

Min Investment

₹500.0

Fund Size

₹21910.53 cr

Fund Manager

Rajeev Radhakrishnan
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Nippon India Corporate Bond-G

4 Morning Star

4 Value Research

0.14 %

4 Morning Star

4 Value Research

NAV

62.32

1M Returns

0.14%

1Y Returns

4.69%

3Y Returns

7.05%

Min. Investment

Rs.100.0

Fund Size

Rs.8245.51 Cr

Fund Manager

Vivek Sharma
Moderate Debt G
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NAV

62.32

Min Investment

₹100.0

Fund Size

₹8245.51 cr

Fund Manager

Vivek Sharma
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