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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Medium Duration • CRISIL Medium Duration Debt Index
Nippon India Strategic Debt Fund(G)-Direct Plan
1 Finance Rank:
10
101 Finance Score:
65100
Yield To Maturity Score
60
Quality & Diversification Score
73
Standard Deviation Score
69
Modified Duration Score
81
AUM Score
23
Historical Performance score
72
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 143 Cr(As on 31-Mar-2026)NAV
₹ 17.9271(As on 08-May-2026)Expense Ratio
0.50%(As on 31-Mar-2026)Investment Horizon
3 to 4 years
10
Debt • Medium Duration • CRISIL Medium Duration Debt Index
Nippon India Strategic Debt Fund(G)-Direct Plan
This fund ranks 10th out of 13 funds in its category.
AUM₹ 143 Cr(As on 31-Mar-2026)
NAV₹ 17.9271(As on 08-May-2026)
Expense Ratio0.50%(As on 31-Mar-2026)
Investment Horizon3 to 4 years
1 Finance Score: 65/100
Yield To Maturity Score
60
Quality & Diversification Score
73
Standard Deviation Score
69
Modified Duration Score
81
AUM Score
23
Historical Performance score
72
Fundamental Ratios
Modified Duration
8.07 yearsAverage Maturity
4.32 yearsYield To Maturity
8.07%Standard Deviation
-Portfolio summary
Asset Allocation
Debt
Others
85.75%
14.25%
Credit Rating
AA
42.51%
SOV
27.23%
AAA
16.01%
Cash Eqv.
13.91%
Others
0.00%
Debt Sector Allocation
Finance
33.39%
G-Sec
27.23%
Cash & Cash Equivalents
13.91%
Infrastructure
5.28%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Tri-Party Repo (TREPS) | 17.20% |
| 07.18% GOI - 24-Jul-2037 | 11.16% |
| 06.79% GOI - 07-Oct-2034 | 7.33% |
| 07.17% Madhya Pradesh SDL - 12-Mar-2031 | 7.27% |
| REC Ltd. -SR-178 08.80% (14-May-2029) | 3.83% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Ability to significantly outperform benchmark returns.
Great track record of generating high returns by managing the portfolio dynamically.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
Low AUM may result in limited portfolio diversification.
Should you invest?
Invest if you are :
- Investors having a high risk appetite with investment horizon of 3 to 4 years should invest in this fund.
- Investing should be considered when interest rates in the economy are expected to remain stable or fall.
Avoid if you are :
- Short term investors and those who take very low risks should avoid this fund.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.
Exit Load
- 1% on or before 12M, Nil after 12M
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2014
Email Addresscustomercare@nipponindiaim.in
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Sushil Budhia | 5.8 | 5 |
About Nippon India MF
- Nippon India Mutual Fund, formerly known as Reliance Mutual Fund, is among India’s oldest asset management companies (AMCs), providing a wide array of investment products backed by strong research and risk management.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more