डेट म्यूचुअल फंड्स में 22% रिटर्न: क्या ये भरोसेमंद है?

Published on: 17th Mar 2025

क्या डेट फ़ंड्स में 22% रिटर्न संभव है?

[{"selector":"#anim-11c74d34-8926-423a-a206-1f394f5fd2fc","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-b00f172b-45fb-4e2c-87bf-80e6922ec7e0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] कुछ डेट म्यूचुअल फ़ंड्स ने हाल ही में 22% तक रिटर्न दिया है. क्या ये प्रदर्शन स्थायी है?​

ऊंचे रिटर्न का कारण

[{"selector":"#anim-e68e27f0-e012-4cd8-84bb-1d4652c5677e","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-bfe29c87-1979-4cec-a3c5-c85a50921f0b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ये ऊंचा रिटर्न फ़ंड मैनेजमेंट की कुशलता के बजाय, पिछले क्रेडिट डिफ़ॉल्ट से हुई रिकवरी के कारण है.

क्रेडिट रिस्क फ़ंड्स का प्रदर्शन

[{"selector":"#anim-d6c02ff4-0d55-49ad-b01d-88564d9f69b1","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-c44baddc-fbde-4092-bc5a-45fae5c43a84","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] – DSP क्रेडिट रिस्क फ़ंड: 21.98% रिटर्न​ – आदित्य बिड़ला SL क्रेडिट रिस्क फ़ंड: 16.30% रिटर्न​ – इन्वेस्को इंडिया क्रेडिट रिस्क फ़ंड: 10.25% रिटर्न​ डेटा 10 मार्च 2025 तक का है​

2018-2019 की पृष्ठभूमि

[{"selector":"#anim-edb4137f-0e8f-4cda-a27a-d85812aed63c","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-abfe2aac-2f86-4838-930e-2812597b79cb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] 2018-2019 में IL&FS संकट जैसे कॉर्पोरेट डिफ़ॉल्ट्स के कारण कई क्रेडिट रिस्क फ़ंड को नुक़सान हुआ था.

रिकवरी के बाद उछाल

[{"selector":"#anim-be3afbf7-4827-4a06-82b6-53bbd04182c5","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-95300b50-eba0-44ab-b89b-ecfb5e53f20c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] इन डिफ़ॉल्ट्स से हुई वसूली के कारण फ़ंड्स के NAV में बढ़ोतरी हुई, जिससे ऊंचा रिटर्न दिख रहा है.

निवेशकों के लिए सबक़

[{"selector":"#anim-bd398857-1cba-47a1-a2a1-80a4920f4d6d","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-29a2c7d3-7a66-4a32-b3db-b94ad3b9ee3c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ऊंचे रिटर्न के पीछे न भागें. डेट निवेश में स्थिरता और अनुमानित रिटर्न महत्वपूर्ण हैं.

कौन सा डेट फ़ंड है बेहतर?

[{"selector":"#anim-d753d542-23cc-4f9e-ba6e-cf82d17009d1","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-a6d93d2a-352b-4a0f-a7fc-20280f9b2254","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ऐसे में सवाल उठता है कि निवेश के लिए कौन-सा डेट फ़ंड बेहतर है. इसका जवाब पाने के लिए आखिरी स्लाइड में दिए गए स्टोरी के लिंक पर क्लिक करें.

Disclaimer

[{"selector":"#anim-45699ae5-e6de-448e-b804-e15bf202465a","keyframes":{"transform":["scale(1)","scale(1.4)","scale(0.96)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-748beb99-5736-4cde-af4d-e1494500141c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ये निवेश की सलाह नहीं बल्कि जानकारी के लिए है. अपने निवेश से पहले अच्छी तरह से रिसर्च करें. डेट म्यूचुअल फ़ंड ने दिया 22% रिटर्न, क्या आपको निवेश करना चाहिए?

अधिक जानने के लिए नीचे दिए गए लिंक पर क्लिक करें

[{"selector":"#anim-b9cbce65-1a1a-4d91-9912-9fdf2fd8e8cd","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b7e50e52-c8ef-472e-9184-dff031df1b6d","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-80201956-e298-49ae-aa9c-343876c9c717","keyframes":{"opacity":[0,1]},"delay":200,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9069ee7d-f463-4de7-9d0c-c7c1e05f50cd","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e533abe8-1bcc-4eef-a581-36de5dcddb59","keyframes":{"opacity":[0,1]},"delay":300,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f60fa08e-8a9a-4a6f-979c-8895c3d95928","keyframes":{"opacity":[0,1]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d320e80b-abf3-4442-84cc-dc9c190aa638","keyframes":{"transform":["translate3d(-194.52735%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba4678a4-8e15-4a65-a83b-1e85184ec76f","keyframes":{"opacity":[0,1]},"delay":600,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82bce4b4-60fe-44b5-ae43-a4bc106d60d9","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c5c2366d-a7b9-4c89-9182-8fa22a81ff5b","keyframes":{"opacity":[0,1]},"delay":800,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-83ced975-6c48-4624-bbe6-218cc9af2648","keyframes":{"transform":["translate3d(-125.51724%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f988ae7-987e-4272-bd2e-6613bab7cd9a","keyframes":{"opacity":[0,1]},"delay":900,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cc7802d3-f933-46ef-b296-db7c5c95b72a","keyframes":{"opacity":[0,1]},"delay":1000,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e9a4a41c-248f-45c5-b293-24a43b145d41","keyframes":{"transform":["translate3d(-194.52735%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] बेस्ट म्यूचुअल फ़ंड्स