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ফিনক্যাশ »মিউচুয়াল ফান্ড ইন্ডিয়া »সর্বোত্তম নিম্ন মেয়াদী ঋণ তহবিল

9টি সেরা পারফর্মিং কম মেয়াদী তহবিল 2022

Updated on July 20, 2026 , 14844 views

কম মেয়াদী তহবিল ঋণের 16টি প্রকল্পের একটির অন্তর্গতপারস্পরিক তহবিল বিভাগ এই তহবিল ঋণ বিনিয়োগ করে এবংঅর্থ বাজার ছয় থেকে 12 মাসের মধ্যে মেয়াদপূর্ণ মেয়াদ সহ সিকিউরিটিজ।

স্বল্প মেয়াদী তহবিলগুলিকে স্বল্পমেয়াদী বিনিয়োগ হিসাবে বিবেচনা করা হয় যা বিনিয়োগকারীদের জন্য অত্যন্ত উপযুক্ত যারা তাদের বিনিয়োগে বেশি ঝুঁকি নিতে চান না। তরল এবং আল্ট্রার তুলনায় কম মেয়াদী তহবিলের মেয়াদকাল বেশি থাকেস্বল্পমেয়াদী তহবিল.

ঝুঁকি-প্রতিরোধী বিনিয়োগকারীরা এই স্কিমে স্বল্প সময়ের জন্য বিনিয়োগ করতে পারে এবং তার থেকে ভাল রিটার্ন অর্জন করতে পারেব্যাংক সঞ্চয় অ্যাকাউন্ট. এই তহবিলগুলি সাধারণত স্থির এবং স্থিতিশীল রিটার্ন অফার করে। গড়ে, এই তহবিলগুলি 6.5-8.5% p.a থেকে রিটার্ন প্রদান করে। স্কিমের রিটার্ন এবং কর্মক্ষমতা ফান্ড ভেদে ফান্ডে পরিবর্তিত হয়, এইভাবে একটি ভাল ফান্ডে বিনিয়োগ করার জন্য, আমরা 2022 – 2023-এ বিনিয়োগ করার জন্য কিছু সেরা পারফরম্যান্স কম মেয়াদী ফান্ডকে শর্টলিস্ট করেছি।

সময়কাল ভিত্তিক কৌশল কি?

আদর্শভাবে, মেয়াদ ভিত্তিক কৌশল অনুসরণকারী তহবিলগুলি দীর্ঘমেয়াদে বিনিয়োগ করেবন্ড এবং সুদের হার হ্রাস থেকে লাভবান হয়। থেকে তারা আয় করেমূলধন বন্ডের কুপন সহ প্রশংসা। কিন্তু, এই তহবিলগুলি সুদের হারের ঝুঁকির সম্মুখীন হয় এবং এই তহবিলগুলি মূলধন ক্ষতি সহ্য করতে পারে, যদি সুদের হার বৃদ্ধি পায়।

এই কৌশলে, তহবিল ব্যবস্থাপক সুদের হারের গতিবিধির পূর্বাভাস দেন। সময়কাল তহবিল ব্যবস্থাপক তার দৃষ্টিভঙ্গি অনুসারে তহবিলের সময়কাল এবং গড় পরিপক্কতা ঘন ঘন বৃদ্ধি বা হ্রাস করে। ফান্ড ম্যানেজারের ভুল ভবিষ্যদ্বাণী সময়কাল ভিত্তিক করতে পারেঋণ তহবিল ক্ষতি সহ্য করা

একটি তহবিল ব্যবস্থাপকদের সর্বোচ্চ ফোকাস সময়কাল পরিচালনার উপর থাকে যাতে সর্বোচ্চ আয় করা যায়। সাধারণত, যখন সুদের হার কমতে থাকে, সময়কাল তহবিল ব্যবস্থাপক অপেক্ষাকৃত উচ্চ সময়কাল বেছে নেন, যাতে সর্বোচ্চমূলধন লাভ ক্রমবর্ধমান বন্ড মূল্য থেকে. এবং বিপরীত পরিস্থিতিতে, অর্থাৎ, যখন সুদের হার বাড়ছে, তহবিলের সময়কাল ন্যূনতম করা হবে, যাতে পোর্টফোলিওতে মূলধন ক্ষতি থেকে রক্ষা করা যায়।

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9টি সর্বোত্তম নিম্ন মেয়াদী তহবিল FY 22 - 23

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Sundaram Low Duration Fund Growth ₹28.8391
↑ 0.01 		₹550110.211.85 4.19%5M 18D8M 1D
PGIM India Low Duration Fund Growth ₹26.0337
↑ 0.01 		₹1041.53.36.34.5 7.34%6M 11D7M 17D
ICICI Prudential Savings Fund Growth ₹581.431
↓ -0.03 		₹22,3391.63.26.27.47.77.95%11M 12D1Y 3M 29D
UTI Treasury Advantage Fund Growth ₹3,786.13
↓ -0.17 		₹2,4601.63.267.27.57.77%8M 8D10M 17D
Tata Treasury Advantage Fund Growth ₹4,186.85
↑ 0.10 		₹2,0511.63.35.86.97.27.74%11M 2D1Y 18D
Canara Robeco Savings Fund Growth ₹44.8863
↓ 0.00 		₹1,1011.53.25.86.97.26.84%9M 9D1Y 1M 20D
Nippon India Low Duration Fund Growth ₹3,982.34
↓ -0.55 		₹7,3791.53.15.76.97.27.88%11M 1D1Y 2M 22D
Bandhan Low Duration Fund Growth ₹41.0276
↓ -0.01 		₹5,9861.53.15.76.97.27.53%10M 24D11M 27D
LIC MF Savings Fund Growth ₹42.0288
↓ 0.00 		₹1,7061.63.25.66.66.97.6%9M 29D10M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 9 Funds showcased

CommentarySundaram Low Duration Fund PGIM India Low Duration FundICICI Prudential Savings FundUTI Treasury Advantage FundTata Treasury Advantage FundCanara Robeco Savings FundNippon India Low Duration FundBandhan Low Duration FundLIC MF Savings Fund
Point 1Bottom quartile AUM (₹550 Cr).Bottom quartile AUM (₹104 Cr).Highest AUM (₹22,339 Cr).Upper mid AUM (₹2,460 Cr).Lower mid AUM (₹2,051 Cr).Bottom quartile AUM (₹1,101 Cr).Top quartile AUM (₹7,379 Cr).Upper mid AUM (₹5,986 Cr).Lower mid AUM (₹1,706 Cr).
Point 2Established history (19+ yrs).Established history (19+ yrs).Oldest track record among peers (23 yrs).Established history (19+ yrs).Established history (20+ yrs).Established history (21+ yrs).Established history (19+ yrs).Established history (20+ yrs).Established history (23+ yrs).
Point 3Rating: 2★ (bottom quartile).Top rated.Rating: 4★ (top quartile).Rating: 4★ (upper mid).Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 11.79% (top quartile).1Y return: 6.30% (top quartile).1Y return: 6.20% (upper mid).1Y return: 5.99% (upper mid).1Y return: 5.82% (lower mid).1Y return: 5.80% (lower mid).1Y return: 5.70% (bottom quartile).1Y return: 5.65% (bottom quartile).1Y return: 5.65% (bottom quartile).
Point 61M return: 0.28% (bottom quartile).1M return: 0.47% (bottom quartile).1M return: 0.63% (top quartile).1M return: 0.58% (upper mid).1M return: 0.57% (upper mid).1M return: 0.57% (lower mid).1M return: 0.57% (lower mid).1M return: 0.53% (bottom quartile).1M return: 0.59% (top quartile).
Point 7Sharpe: 0.99 (top quartile).Sharpe: -1.66 (bottom quartile).Sharpe: 0.78 (top quartile).Sharpe: 0.60 (upper mid).Sharpe: 0.41 (upper mid).Sharpe: 0.39 (lower mid).Sharpe: 0.30 (lower mid).Sharpe: 0.30 (bottom quartile).Sharpe: 0.24 (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 (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): 4.19% (bottom quartile).Yield to maturity (debt): 7.34% (bottom quartile).Yield to maturity (debt): 7.95% (top quartile).Yield to maturity (debt): 7.77% (upper mid).Yield to maturity (debt): 7.74% (upper mid).Yield to maturity (debt): 6.84% (bottom quartile).Yield to maturity (debt): 7.88% (top quartile).Yield to maturity (debt): 7.53% (lower mid).Yield to maturity (debt): 7.60% (lower mid).
Point 10Modified duration: 0.47 yrs (top quartile).Modified duration: 0.53 yrs (top quartile).Modified duration: 0.95 yrs (bottom quartile).Modified duration: 0.69 yrs (upper mid).Modified duration: 0.92 yrs (bottom quartile).Modified duration: 0.77 yrs (upper mid).Modified duration: 0.92 yrs (bottom quartile).Modified duration: 0.90 yrs (lower mid).Modified duration: 0.83 yrs (lower mid).

Sundaram Low Duration Fund

  • Bottom quartile AUM (₹550 Cr).
  • Established history (19+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 11.79% (top quartile).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 0.99 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 4.19% (bottom quartile).
  • Modified duration: 0.47 yrs (top quartile).

PGIM India Low Duration Fund

  • Bottom quartile AUM (₹104 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.30% (top quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: -1.66 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.34% (bottom quartile).
  • Modified duration: 0.53 yrs (top quartile).

ICICI Prudential Savings Fund

  • Highest AUM (₹22,339 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.20% (upper mid).
  • 1M return: 0.63% (top quartile).
  • Sharpe: 0.78 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.95% (top quartile).
  • Modified duration: 0.95 yrs (bottom quartile).

UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,460 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.99% (upper mid).
  • 1M return: 0.58% (upper mid).
  • Sharpe: 0.60 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.77% (upper mid).
  • Modified duration: 0.69 yrs (upper mid).

Tata Treasury Advantage Fund

  • Lower mid AUM (₹2,051 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.82% (lower mid).
  • 1M return: 0.57% (upper mid).
  • Sharpe: 0.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.74% (upper mid).
  • Modified duration: 0.92 yrs (bottom quartile).

Canara Robeco Savings Fund

  • Bottom quartile AUM (₹1,101 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.80% (lower mid).
  • 1M return: 0.57% (lower mid).
  • Sharpe: 0.39 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.84% (bottom quartile).
  • Modified duration: 0.77 yrs (upper mid).

Nippon India Low Duration Fund

  • Top quartile AUM (₹7,379 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.70% (bottom quartile).
  • 1M return: 0.57% (lower mid).
  • Sharpe: 0.30 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.88% (top quartile).
  • Modified duration: 0.92 yrs (bottom quartile).

Bandhan Low Duration Fund

  • Upper mid AUM (₹5,986 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.65% (bottom quartile).
  • 1M return: 0.53% (bottom quartile).
  • Sharpe: 0.30 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.53% (lower mid).
  • Modified duration: 0.90 yrs (lower mid).

LIC MF Savings Fund

  • Lower mid AUM (₹1,706 Cr).
  • Established history (23+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.65% (bottom quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 0.24 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.60% (lower mid).
  • Modified duration: 0.83 yrs (lower mid).
 *এই নিবন্ধে উল্লিখিত তহবিলগুলির তুলনায় উপরে AUM/নেট সম্পদ রয়েছে100 কোটি এবং থাকাতহবিলের বয়স >= 3 বছর. সর্বশেষে সাজানো হয়েছে1 বছরের রিটার্ন.

1. Sundaram Low Duration Fund

(Erstwhile Sundaram Ultra Short Term Fund)

To provide a level of income consistent with liquidity through investments made primarily in money market and debt securities.

Research Highlights for Sundaram Low Duration Fund

  • Bottom quartile AUM (₹550 Cr).
  • Established history (19+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 11.79% (top quartile).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 0.99 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 4.19% (bottom quartile).
  • Modified duration: 0.47 yrs (top quartile).
  • Average maturity: 0.67 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for Sundaram Low Duration Fund

Sundaram Low Duration Fund
Growth
Launch Date 23 Apr 07
NAV (31 Dec 21) ₹28.8391 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹550 on 30 Nov 21
Category Debt - Low Duration
AMC Sundaram Asset Management Company Ltd
Rating ☆☆
Risk Moderately Low
Expense Ratio 0.86
Sharpe Ratio 0.99
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 4.19%
Effective Maturity 8 Months 1 Day
Modified Duration 5 Months 18 Days

Growth of 10,000 investment over the years.

DateValue

Sundaram Low Duration 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 Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.3%
3 Month 1%
6 Month 10.2%
1 Year 11.8%
3 Year 5%
5 Year 5.7%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Sundaram Low Duration Fund
NameSinceTenure

Data below for Sundaram Low Duration Fund as on 30 Nov 21

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

2. PGIM India Low Duration Fund

The objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. There is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for PGIM India Low Duration Fund

  • Bottom quartile AUM (₹104 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 6.30% (top quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: -1.66 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.34% (bottom quartile).
  • Modified duration: 0.53 yrs (top quartile).
  • Average maturity: 0.63 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for PGIM India Low Duration Fund

PGIM India Low Duration Fund
Growth
Launch Date 22 Jun 07
NAV (29 Sep 23) ₹26.0337 ↑ 0.01   (0.06 %)
Net Assets (Cr) ₹104 on 31 Aug 23
Category Debt - Low Duration
AMC Pramerica Asset Managers Private Limited
Rating ☆☆☆☆☆
Risk Moderate
Expense Ratio 1.18
Sharpe Ratio -1.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.34%
Effective Maturity 7 Months 17 Days
Modified Duration 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue

PGIM India Low Duration Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹185,607.
Net Profit of ₹5,607 Invest Now

Returns for PGIM India Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.3%
1 Year 6.3%
3 Year 4.5%
5 Year 1.3%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for PGIM India Low Duration Fund
NameSinceTenure

Data below for PGIM India Low Duration Fund as on 31 Aug 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Savings Fund

  • Highest AUM (₹22,339 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.20% (upper mid).
  • 1M return: 0.63% (top quartile).
  • Sharpe: 0.78 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.95% (top quartile).
  • Modified duration: 0.95 yrs (bottom quartile).
  • Average maturity: 1.33 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund
Growth
Launch Date 27 Sep 02
NAV (22 Jul 26) ₹581.431 ↓ -0.03   (0.00 %)
Net Assets (Cr) ₹22,339 on 30 Jun 26
Category Debt - Low Duration
AMC ICICI Prudential Asset Management Company Limited
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.53
Sharpe Ratio 0.78
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.95%
Effective Maturity 1 Year 3 Months 29 Days
Modified Duration 11 Months 12 Days

Growth of 10,000 investment over the years.

DateValue

ICICI Prudential 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 ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential 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 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.2%
1 Year 6.2%
3 Year 7.4%
5 Year 6.6%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 8%
2022 7.6%
2021 4.5%
2020 3.8%
2019 8.6%
2018 8.8%
2017 7.3%
2016 7.1%
2015 9.1%
Fund Manager information for ICICI Prudential Savings Fund
NameSinceTenure

Data below for ICICI Prudential Savings Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

4. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

  • Upper mid AUM (₹2,460 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.99% (upper mid).
  • 1M return: 0.58% (upper mid).
  • Sharpe: 0.60 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.77% (upper mid).
  • Modified duration: 0.69 yrs (upper mid).
  • Average maturity: 0.88 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund
Growth
Launch Date 23 Apr 07
NAV (22 Jul 26) ₹3,786.13 ↓ -0.17   (0.00 %)
Net Assets (Cr) ₹2,460 on 30 Jun 26
Category Debt - Low Duration
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio 0.6
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.77%
Effective Maturity 10 Months 17 Days
Modified Duration 8 Months 8 Days

Growth of 10,000 investment over the years.

DateValue

UTI Treasury Advantage Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.2%
1 Year 6%
3 Year 7.2%
5 Year 7.4%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.1%
2021 4.5%
2020 9%
2019 7.3%
2018 -4.2%
2017 7.3%
2016 7%
2015 8.9%
Fund Manager information for UTI Treasury Advantage Fund
NameSinceTenure

Data below for UTI Treasury Advantage Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Tata Treasury Advantage Fund

  • Lower mid AUM (₹2,051 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.82% (lower mid).
  • 1M return: 0.57% (upper mid).
  • Sharpe: 0.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.74% (upper mid).
  • Modified duration: 0.92 yrs (bottom quartile).
  • Average maturity: 1.05 yrs (lower mid).
  • Exit load: NIL.

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund
Growth
Launch Date 6 Sep 05
NAV (22 Jul 26) ₹4,186.85 ↑ 0.10   (0.00 %)
Net Assets (Cr) ₹2,051 on 30 Jun 26
Category Debt - Low Duration
AMC Tata Asset Management Limited
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio 0.41
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.74%
Effective Maturity 1 Year 18 Days
Modified Duration 11 Months 2 Days

Growth of 10,000 investment over the years.

DateValue

Tata Treasury Advantage 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 Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.3%
1 Year 5.8%
3 Year 6.9%
5 Year 6.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 7.4%
2022 6.9%
2021 4.1%
2020 3.6%
2019 7.5%
2018 2.2%
2017 7.5%
2016 6.9%
2015 8.5%
Fund Manager information for Tata Treasury Advantage Fund
NameSinceTenure

Data below for Tata Treasury Advantage Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

6. Canara Robeco Savings Fund

(Erstwhile Canara Robeco Savings Plus Fund)

To generate income/ Capital appreciation by investing in a portfolio comprising of short term debt instruments and money market instruments with weighted average portfolio duration between 3 months to less than 1 year. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Savings Fund

  • Bottom quartile AUM (₹1,101 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.80% (lower mid).
  • 1M return: 0.57% (lower mid).
  • Sharpe: 0.39 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.84% (bottom quartile).
  • Modified duration: 0.77 yrs (upper mid).
  • Average maturity: 1.14 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for Canara Robeco Savings Fund

Canara Robeco Savings Fund
Growth
Launch Date 4 Mar 05
NAV (22 Jul 26) ₹44.8863 ↓ 0.00   (-0.01 %)
Net Assets (Cr) ₹1,101 on 30 Jun 26
Category Debt - Low Duration
AMC Canara Robeco Asset Management Co. Ltd.
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.62
Sharpe Ratio 0.39
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.84%
Effective Maturity 1 Year 1 Month 20 Days
Modified Duration 9 Months 9 Days

Growth of 10,000 investment over the years.

DateValue

Canara Robeco 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 ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Canara Robeco 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 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 3.2%
1 Year 5.8%
3 Year 6.9%
5 Year 6.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 7.4%
2022 7%
2021 4.1%
2020 3.1%
2019 6.4%
2018 8.1%
2017 6.9%
2016 6.8%
2015 8.4%
Fund Manager information for Canara Robeco Savings Fund
NameSinceTenure

Data below for Canara Robeco Savings Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

7. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.

Research Highlights for Nippon India Low Duration Fund

  • Top quartile AUM (₹7,379 Cr).
  • Established history (19+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.70% (bottom quartile).
  • 1M return: 0.57% (lower mid).
  • Sharpe: 0.30 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.88% (top quartile).
  • Modified duration: 0.92 yrs (bottom quartile).
  • Average maturity: 1.23 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund
Growth
Launch Date 20 Mar 07
NAV (22 Jul 26) ₹3,982.34 ↓ -0.55   (-0.01 %)
Net Assets (Cr) ₹7,379 on 30 Jun 26
Category Debt - Low Duration
AMC Nippon Life Asset Management Ltd.
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.94
Sharpe Ratio 0.3
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.88%
Effective Maturity 1 Year 2 Months 22 Days
Modified Duration 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue

Nippon India Low Duration 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 Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 3.1%
1 Year 5.7%
3 Year 6.9%
5 Year 6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 7.4%
2022 6.7%
2021 4.2%
2020 4.1%
2019 7.3%
2018 7%
2017 7.4%
2016 6.6%
2015 8.5%
Fund Manager information for Nippon India Low Duration Fund
NameSinceTenure

Data below for Nippon India Low Duration Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

8. Bandhan Low Duration Fund

(Erstwhile IDFC Ultra Short Term Fund)

To offer an investment avenue for short term savings by looking to generate stable returns with a low risk strategy. The scheme will have a portfolio that is invested in good quality debt and money market instruments such that the fund will offer a blend of liquidity with stability of returns. There can be no assurance that the investment objective of the scheme will be realized

Research Highlights for Bandhan Low Duration Fund

  • Upper mid AUM (₹5,986 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.65% (bottom quartile).
  • 1M return: 0.53% (bottom quartile).
  • Sharpe: 0.30 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.53% (lower mid).
  • Modified duration: 0.90 yrs (lower mid).
  • Average maturity: 0.99 yrs (lower mid).
  • Exit load: NIL.

Below is the key information for Bandhan Low Duration Fund

Bandhan Low Duration Fund
Growth
Launch Date 17 Jan 06
NAV (22 Jul 26) ₹41.0276 ↓ -0.01   (-0.03 %)
Net Assets (Cr) ₹5,986 on 30 Jun 26
Category Debt - Low Duration
AMC IDFC Asset Management Company Limited
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.59
Sharpe Ratio 0.3
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.53%
Effective Maturity 11 Months 27 Days
Modified Duration 10 Months 24 Days

Growth of 10,000 investment over the years.

DateValue

Bandhan Low Duration 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 Bandhan Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.1%
1 Year 5.7%
3 Year 6.9%
5 Year 6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 7.3%
2022 6.9%
2021 4%
2020 3.5%
2019 6.9%
2018 8.3%
2017 7.2%
2016 7%
2015 8.8%
Fund Manager information for Bandhan Low Duration Fund
NameSinceTenure

Data below for Bandhan Low Duration Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

9. LIC MF Savings Fund

(Erstwhile LIC MF Savings Plus Fund)

The investment objective of the Scheme is to generate income by investing in a portfolio of quality short term debt securities. There can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for LIC MF Savings Fund

  • Lower mid AUM (₹1,706 Cr).
  • Established history (23+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.65% (bottom quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 0.24 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.60% (lower mid).
  • Modified duration: 0.83 yrs (lower mid).
  • Average maturity: 0.89 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for LIC MF Savings Fund

LIC MF Savings Fund
Growth
Launch Date 29 May 03
NAV (22 Jul 26) ₹42.0288 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹1,706 on 30 Jun 26
Category Debt - Low Duration
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating ☆☆
Risk Moderately Low
Expense Ratio 0.88
Sharpe Ratio 0.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.6%
Effective Maturity 10 Months 19 Days
Modified Duration 9 Months 29 Days

Growth of 10,000 investment over the years.

DateValue

LIC MF 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 ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for LIC MF 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 31 Dec 21

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.2%
1 Year 5.6%
3 Year 6.6%
5 Year 5.8%
10 Year
15 Year
Since launch 6.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.9%
2023 7.1%
2022 6.5%
2021 3.8%
2020 3.7%
2019 7%
2018 3.5%
2017 7.2%
2016 6.5%
2015 8.3%
Fund Manager information for LIC MF Savings Fund
NameSinceTenure

Data below for LIC MF Savings Fund as on 30 Jun 26

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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Shepard Technologies Pvt. Ltd : 1808, Solus, Hiranandani Estate, Thane, Maharashtra - 400607

AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153

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