রিকারিং ডিপোজিট বনাম ফিক্সড ডিপোজিট: কোনটি ভালো?

Updated on July 7, 2026 , 10975 views

পুনরাবৃত্ত আমানত বনাম ফিক্সড ডিপোজিট? ভাবছেন আপনার টাকা কোথায় সঞ্চয় করবেন? ঠিক আছে, অনেক সময়, বিনিয়োগকারীরা রেকারিং ডিপোজিট (RD) না ফিক্সড ডিপোজিটে (ফিক্সড ডিপোজিট) বিনিয়োগ করতে বিভ্রান্ত হয়ে পড়েন।FD) যদিও এগুলি সবচেয়ে জনপ্রিয় সেভিং স্কিম, বিশেষ করে ঝুঁকি-প্রতিরোধী বিনিয়োগকারীদের মধ্যে, এটা বোঝা গুরুত্বপূর্ণ যে কীভাবে RD এবং FD একে অপরের থেকে আলাদা এবং কোনটি একটি ভালবিনিয়োগ বিকল্প

রেকারিং ডিপোজিট (RD)

RD হল aআর্থিক উপকরণ প্রধানত সঞ্চয় উত্সাহিত করার দিকে নির্দেশিত. এই স্কিমে, বিনিয়োগকারীদের প্রতি মাসে একটি নির্দিষ্ট পরিমাণ অর্থ সংরক্ষণ করার নমনীয়তা রয়েছেব্যাংকএকটি পূর্বনির্ধারিত মেয়াদের জন্য এর বা আর্থিক প্রতিষ্ঠানের RD অ্যাকাউন্ট এবং এই পরিমাণে সুদ উপার্জন করুন। মেয়াদপূর্তিতে, মূল পরিমাণের সাথে সুদ প্রদান করা হয়।

ফিক্সড ডিপোজিট (FD)

ফিক্সড ডিপোজিট হল একটি নির্দিষ্ট পূর্বনির্ধারিত মেয়াদের জন্য ব্যাঙ্ক দ্বারা প্রদত্ত এক ধরনের আর্থিক উপকরণসুদের নির্দিষ্ট হার. এই স্কিমে, একটি FD অ্যাকাউন্ট তৈরি করার সময় একবার একটি নির্দিষ্ট পরিমাণ জমা করা হয়। মেয়াদ শেষে, নির্বাচিত মেয়াদের জন্য সুদের পরিমাণ মূল পরিমাণের সাথে গণনা করা হয় এবং মোট যোগফল ক্রমবর্ধমানভাবে পরিশোধ করা হয়।

রিকারিং ডিপোজিট VS ফিক্সড ডিপোজিট

পরামিতি	রেকারিং ডিপোজিট (RD)	ফিক্সড ডিপোজিট (FD)
মেয়াদ	RD এর মেয়াদ সাধারণত 6 মাস থেকে 10 বছর পর্যন্ত পরিবর্তিত হয়	FD স্কিমের মেয়াদ 7 দিন থেকে 10 বছরের মধ্যে
সুদের হিসাব	যৌগিক একটি RD স্কিমের জন্য সাধারণত প্রতি ত্রৈমাসিকে সুদ পাওয়া যায়	FD-তে, চক্রবৃদ্ধি সুদ প্রতি বছর অর্জিত সুদের উপর গণনা করা হয়
যোগ্যতা	সমস্ত বাসিন্দা ভারতীয় এবং হিন্দু অবিভক্ত পরিবার (HUFs) RD অ্যাকাউন্ট খোলার যোগ্য৷ এই অ্যাকাউন্টটি অপ্রাপ্তবয়স্কদের জন্য তাদের পিতামাতা বা আইনী অভিভাবকরাও খুলতে পারেন	সমস্ত বাসিন্দা ভারতীয় এবং হিন্দু অবিভক্ত পরিবার (HUFs) একটি স্থায়ী আমানত অ্যাকাউন্ট খোলার যোগ্য
ট্যাক্স বেনিফিট	এই স্কিমে কোনো কর সুবিধা দেওয়া হয় না	ফিক্সড ডিপোজিটের জন্য, এর অধীনে একটি কর ছাড়ধারা 80C এরআয়কর আইন 1961 প্রযোজ্য। এটি 5 বছরের বেশি আমানতের জন্য প্রযোজ্য (বর্তমান আইন অনুযায়ী)
প্রত্যাবর্তন - এর অবস্থা	সুদের হার FD এর মতই কিন্তু সাধারণত, মেয়াদ এবং মাসিক বিনিয়োগের পরিমাণের উপর নির্ভর করে	সুদের হার RD এর মতই কিন্তু নির্ভর করেমূলধন এবং মেয়াদের জন্য বেছে নেওয়া হয়েছে
অতিরিক্ত সুবিধা	বেশিরভাগ ব্যাঙ্ক আমানত মূল্যের 90% পর্যন্ত ঋণ দেয়	বেশিরভাগ ব্যাঙ্কই আমানত মূল্যের 70%-90% পর্যন্ত ঋণ দেয়।
প্রত্যাহার	কিছু ক্ষেত্রে, জরিমানা ছাড়াই অকাল প্রত্যাহারের অনুমতি দেওয়া হয়। যদিও কিছু ব্যাঙ্ক জরিমানা নিতে পারে	একটি জরিমানা সঙ্গে অকাল প্রত্যাহার অনুমোদিত হয়
আয় স্বার্থ	RD-এর উপর অর্জিত সুদ করযোগ্য এবং বেশিরভাগ ব্যাঙ্ক TDS কেটে নেয়	এফডি-তে অর্জিত সুদ করযোগ্য এবং বেশিরভাগ ব্যাঙ্ক টিডিএস কেটে নেয়

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রিকারিং ডিপোজিট VS ফিক্সড ডিপোজিট: কোথায় বেশি উপার্জন করবেন?

যেহেতু RD এবং FD উভয়ই ঝুঁকি-বিরুদ্ধ বিনিয়োগকারীদের জন্য উপযুক্ত, তাই চূড়ান্ত পছন্দ একজনের প্রয়োজনের উপর নির্ভর করে। একটি এফডি অ্যাকাউন্টে, জমা করা প্রাথমিক একক অঙ্কের উপর সুদ চক্রবৃদ্ধি করা হয়। পুরো জমা করা পরিমাণ এক বছরের জন্য সুদ পায়। যাইহোক, একটি RD-এ, শুধুমাত্র 1ম আমানত প্রথম বছরের জন্য, অর্থাৎ 12 মাসের জন্য সুদ অর্জন করে। দ্বিতীয় আমানত 11 মাসের জন্য, তৃতীয়টি 10 মাসের জন্য, এবং আরও অনেক কিছুর জন্য সুদ অর্জন করে। চক্রবৃদ্ধি প্রভাব বিনিয়োগকারীদের জন্য উচ্চতর রিটার্ন জেনারেট করতে স্থায়ী আমানতকে সক্ষম করে।

যদিও সময়ের সাথে সাথে, কেউ একটি স্থায়ী আমানত দিয়ে আরও বেশি অর্থ উপার্জন করতে পারে (নিচে উদাহরণ দেওয়া হয়েছে), তবে এটিতে মাসিক অল্প পরিমাণ জমা করতে সক্ষম হওয়ার ক্ষেত্রে একটি পুনরাবৃত্ত আমানত অ্যাকাউন্টের নমনীয়তা নেই। সুতরাং, যাদের বিনিয়োগের জন্য একক টাকা নেই তারা মাসিক বিনিয়োগ পছন্দ করতে পারেন।

আরও ভালোভাবে বোঝার জন্য, আমরা উভয় স্কিমের পার্থক্য চিত্রিত করেছি। ব্যবহারকারীরা তাই স্পষ্টভাবে বুঝতে এবং ভাল চয়ন করতে পারেন.

চিত্রণ:

ধরুন আপনি বিনিয়োগ করেন1000 টাকা (এক বছরের জন্য মাসিক) একটি পুনরাবৃত্ত আমানতে এবং আপনি একমুঠো বিনিয়োগ করেছেন৷INR 12,000 বছরের শুরুতে একটি ফিক্সড ডিপোজিটে। এই দুটি পণ্যই আপনাকে ত্রৈমাসিকে 9 শতাংশ চক্রবৃদ্ধি সুদের অফার করে। তাহলেআয় এই দুটি স্কিম থেকে নীচে দেওয়া হল-

বিশেষ	রেকারিং ডিপোজিট (RD)	ফিক্সড ডিপোজিট (FD)
বিনিয়োগকৃত পরিমাণ	INR 5,000 (মাসিক)	INR 60,000 (একটি টাকা)
মেয়াদ	1 ২ মাস	1 ২ মাস
বার্ষিক সুদের হার	৬%	৬%
মোট অর্জিত পরিমাণ	INR 61,986	INR 63,701
মোট লাভ	INR 1,986	INR 3,701

এখন আপনি যখন RD এবং FD-এর মধ্যে প্রধান পার্থক্য জানেন, আপনি একটি বেছে নিতে পারেন এবং বিজ্ঞতার সাথে বিনিয়োগ করতে পারেন। যদিও FD RD-এর তুলনায় তুলনামূলকভাবে একটি ভাল বৃদ্ধি দেয়, বেশিরভাগ সময়, একটি একক যন্ত্রের জন্য আপনার সমস্ত প্রয়োজন মেটানো সম্ভব নয়। সুতরাং, যখন আপনার বিনিয়োগের জন্য একমুঠো টাকা না থাকে, আপনি প্রতি মাসে আপনার আয় থেকে একটি ছোট পরিমাণ সঞ্চয় করতে পারেন এবং একটি পুনরাবৃত্ত আমানতে বিনিয়োগ করতে পারেন!

অন্যান্য বিকল্প

লিকুইড/আল্ট্রা শর্ট ডেট মিউচুয়াল ফান্ড

1. 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹19,611 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.21% (upper mid).
1M return: 0.64% (lower mid).
Sharpe: 0.52 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.98% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.2%).

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 (09 Jul 26)	₹584.478 ↑ 0.32 (0.05 %)
Net Assets (Cr)	₹19,611 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.98%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,384
30 Jun 23	₹11,065
30 Jun 24	₹11,889
30 Jun 25	₹12,852
30 Jun 26	₹13,668

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 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 9 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.2%
1 Year	6.2%
3 Year	7.3%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.04 Yr.
Kaustubh Gupta	15 Jul 11	14.97 Yr.
Monika Gandhi	22 Mar 21	5.28 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	30.43%
Debt	69.22%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	68.02%
Government	17.43%
Cash Equivalent	14.18%

Credit Quality

Rating	Value
AA	29.9%
AAA	70.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹987 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹748 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹607 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹540 Cr	11,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹348 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹329 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

2. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹16,186 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.82% (bottom quartile).
1M return: 0.64% (upper mid).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.90% (top quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~54%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.8%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (09 Jul 26)	₹45.5309 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹16,186 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.9%
Effective Maturity	6 Months 4 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,338
30 Jun 23	₹10,986
30 Jun 24	₹11,748
30 Jun 25	₹12,623
30 Jun 26	₹13,382

Kotak Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Kotak 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 9 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3%
1 Year	5.8%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	18.22 Yr.
Manu Sharma	1 Nov 22	3.67 Yr.

Data below for Kotak Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	54.36%
Debt	45.33%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	62.41%
Government	18.78%
Cash Equivalent	18.5%

Credit Quality

Rating	Value
AA	16.51%
AAA	83.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹575 Cr	57,500
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹447 Cr	45,000,000
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹328 Cr	32,500,000
Mankind Pharma Limited Debentures \| -	2%	₹300 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹300 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹299 Cr	30,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Bank of Baroda Debentures \| -	1%	₹218 Cr	22,500 ↑ 22,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹206 Cr	210
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000

3. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹10,938 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.07% (bottom quartile).
1M return: 0.65% (upper mid).
Sharpe: 0.34 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.83% (upper mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~54%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.7%).

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (09 Jul 26)	₹4,285.23 ↑ 1.79 (0.04 %)
Net Assets (Cr)	₹10,938 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.83%
Effective Maturity	7 Months 3 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,630
30 Jun 23	₹11,288
30 Jun 24	₹12,068
30 Jun 25	₹12,962
30 Jun 26	₹13,764

Nippon India Ultra Short Duration Fund SIP 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 Ultra Short 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 9 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.75 Yr.
Kinjal Desai	25 May 18	8.1 Yr.
Akshay Sharma	1 Dec 22	3.58 Yr.
Amber Singhania	11 Mar 26	0.3 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	53.89%
Debt	45.82%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.03%
Cash Equivalent	27%
Government	7.68%

Credit Quality

Rating	Value
AA	29.98%
AAA	70.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹396 Cr	40,000,000
Nirma Limited Debentures \| -	3%	₹297 Cr	29,600 ↑ 12,000
India (Republic of) - \| -	3%	₹273 Cr	27,500,000
Tbill Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
Axis Bank Ltd. Debentures \| -	2%	₹242 Cr	5,000 ↑ 5,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400
Small Industries Development Bank of India Debentures \| -	2%	₹200 Cr	4,300 ↑ 4,300
Embassy Office Parks Reit Debentures \| -	2%	₹199 Cr	2,000
HDFC Bank Ltd. Debentures \| -	2%	₹196 Cr	4,000 ↑ 4,000

4. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,002 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.16% (lower mid).
1M return: 0.65% (upper mid).
Sharpe: 0.53 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~6.6%).

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (09 Jul 26)	₹29.4987 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹16,002 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	0.53
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	7.79%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,368
30 Jun 23	₹11,029
30 Jun 24	₹11,817
30 Jun 25	₹12,724
30 Jun 26	₹13,522

ICICI Prudential Ultra Short Term Fund SIP 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 Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6.2%
3 Year	7%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.1%
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.63 Yr.
Ritesh Lunawat	15 Jun 17	9.05 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	78.41%
Debt	21.26%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	66.01%
Cash Equivalent	43.92%

Credit Quality

Rating	Value
AA	17.96%
AAA	82.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	7%	₹997 Cr	100,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹442 Cr	9,000
Small Industries Development Bank Of India Debentures \| -	2%	₹350 Cr	35,000 ↑ 35,000
Vedanta Limited Debentures \| -	2%	₹343 Cr	34,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹325 Cr	32,500 ↑ 12,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹299 Cr	300
Muthoot Finance Limited Debentures \| -	2%	₹276 Cr	27,500
AU Small Finance Bank Ltd. Debentures \| -	2%	₹241 Cr	5,000
Piramal Finance Limited Debentures \| -	2%	₹232 Cr	23,000

5. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹11,861 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.09% (lower mid).
1M return: 0.67% (top quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.77% (upper mid).
Modified duration: 0.43 yrs (bottom quartile).
Average maturity: 0.71 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~101%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~8.8%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (09 Jul 26)	₹6,357.38 ↑ 4.00 (0.06 %)
Net Assets (Cr)	₹11,861 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	0.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	8 Months 16 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,336
30 Jun 23	₹10,996
30 Jun 24	₹11,785
30 Jun 25	₹12,679
30 Jun 26	₹13,467

SBI Magnum Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for SBI Magnum Ultra Short 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 9 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.1%
1 Year	6.1%
3 Year	7%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7%
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	1.13 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	100.97%
Other	0.42%

Debt Sector Allocation

Sector	Value
Corporate	57.6%
Cash Equivalent	51.21%

Credit Quality

Rating	Value
AA	17.96%
AAA	82.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	9%	₹1,020 Cr	102,500,000
TATA Communications Limited Debentures \| -	5%	₹550 Cr	55,000
Adani Power Limited Debentures \| -	3%	₹299 Cr	30,000
LIC Housing Finance Ltd Debentures \| -	2%	₹275 Cr	27,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹250 Cr	255
Muthoot Finance Limited Debentures \| -	2%	₹224 Cr	22,500
Muthoot Finance Limited Debentures \| -	2%	₹199 Cr	20,000
Oberoi Realty Limited Debentures \| -	1%	₹166 Cr	20,000
7.03% Chhattisgarh Sdl 2026 Sovereign Bonds \| -	1%	₹150 Cr	15,000,000
Eris Lifesciences Limited Debentures \| -	1%	₹150 Cr	15,000

6. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,197 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.00% (bottom quartile).
1M return: 0.71% (top quartile).
Sharpe: 0.21 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.53% (lower mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.43 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd. (~5.9%).

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (09 Jul 26)	₹2,867.5 ↑ 1.37 (0.05 %)
Net Assets (Cr)	₹1,197 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	5 Months 6 Days
Modified Duration	5 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,305
30 Jun 23	₹10,923
30 Jun 24	₹11,699
30 Jun 25	₹12,580
30 Jun 26	₹13,349

Invesco India Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6%
3 Year	6.9%
5 Year	5.9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jul 26	0 Yr.
Vikas Garg	1 Jul 26	0 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	76.81%
Debt	22.86%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	57.89%
Cash Equivalent	23.13%
Government	18.64%

Credit Quality

Rating	Value
AA	10.35%
AAA	89.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd. Debentures \| -	6%	₹73 Cr	7,500,000 ↑ 7,500,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
17/09/2026 Maturing 364 DTB Sovereign Bonds \| -	4%	₹49 Cr	5,000,000
TVS Credit Services Limited Debentures \| -	3%	₹40 Cr	4,000,000
Federal Bank Ltd. Debentures \| -	3%	₹39 Cr	4,000,000
India (Republic of) - \| -	3%	₹35 Cr	3,500,000
Tbill Sovereign Bonds \| -	3%	₹35 Cr	3,500,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹25 Cr	2,500,000

7. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Research Highlights for Aditya Birla Sun Life Liquid Fund

Highest AUM (₹47,520 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.27% (top quartile).
1M return: 0.59% (lower mid).
Sharpe: 2.20 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.01% (lower mid).
Modified duration: 0.13 yrs (upper mid).
Average maturity: 0.14 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Receivables / (Payables) (~4.1%).

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

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (09 Jul 26)	₹447.887 ↑ 0.09 (0.02 %)
Net Assets (Cr)	₹47,520 on 31 May 26
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	2.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	1 Month 20 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,357
30 Jun 23	₹11,026
30 Jun 24	₹11,828
30 Jun 25	₹12,676
30 Jun 26	₹13,475

Aditya Birla Sun Life Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7.1%
2022	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	14.97 Yr.
Kaustubh Gupta	15 Jul 11	14.97 Yr.
Sanjay Pawar	1 Jul 22	4 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	98.9%
Debt	0.89%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	82.75%
Corporate	9.15%
Government	7.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivables / (Payables) Net Current Assets \| -	4%	-₹2,719 Cr
Reverse Repo CBLO/Reverse Repo \| -	4%	₹2,407 Cr
India (Republic of) - \| -	3%	₹2,138 Cr	215,312,800
09/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹1,665 Cr	167,000,000 ↑ 150,000,000
India (Republic of) - \| -	2%	₹1,561 Cr	157,397,500
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	2%	₹1,515 Cr
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,378 Cr	28,000 ↑ 28,000
Citibank Na/India (24/06/2026) # Net Current Assets \| -	2%	₹1,198 Cr	24,000 ↑ 24,000
City Union Bank Limited Debentures \| -	2%	₹1,180 Cr	24,000 ↑ 24,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹1,009 Cr	20,500 ↑ 20,500

8. Nippon India Liquid Fund

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Liquid Fund

Top quartile AUM (₹31,752 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.24% (upper mid).
1M return: 0.58% (bottom quartile).
Sharpe: 1.97 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).
Average maturity: 0.13 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Triparty Repo (~4.7%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (09 Jul 26)	₹6,781.62 ↑ 1.58 (0.02 %)
Net Assets (Cr)	₹31,752 on 31 May 26
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	1.97
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,353
30 Jun 23	₹11,011
30 Jun 24	₹11,810
30 Jun 25	₹12,654
30 Jun 26	₹13,447

Nippon India Liquid Fund SIP 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 Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.3%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.11 Yr.
Vikash Agarwal	14 Sep 24	1.79 Yr.
Amber Singhania	11 Mar 26	0.31 Yr.

Data below for Nippon India Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.61%
Debt	0.17%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	85.08%
Government	8.26%
Corporate	6.45%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Triparty Repo CBLO/Reverse Repo \| -	5%	₹2,077 Cr
Reverse Repo CBLO/Reverse Repo \| -	3%	₹1,513 Cr
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹997 Cr	20,000 ↓ -5,000
India (Republic of) - \| -	2%	₹990 Cr	99,500,000 ↑ 500,000
Indian Oil Corp Ltd. Commercial Paper \| -	2%	₹774 Cr	15,500 ↑ 15,500
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹749 Cr	15,000
Ntpc Ltd Commercial Paper \| -	2%	₹746 Cr	15,000
IDBI Bank Limited (Industrial Development Bank Of India Ltd) Certificate of Deposit \| -	2%	₹742 Cr	15,000 ↑ 15,000
Small Industries Development Bank of India Commercial Paper \| -	2%	₹738 Cr	15,000 ↑ 15,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹738 Cr	15,000 ↑ 15,000

9. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (top quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (upper mid).
Average maturity: 0.23 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,395
30 Jun 23	₹11,045

IDBI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jul 26

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Mirae Asset Cash Management Fund

The investment objective of the scheme is to generate consistent returns with a high level of liquidity in a judicious portfolio mix comprising of money market and debt instruments. The Scheme does not guarantee any returns.

Research Highlights for Mirae Asset Cash Management Fund

Lower mid AUM (₹11,182 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.17% (upper mid).
1M return: 0.56% (bottom quartile).
Sharpe: 2.04 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 0.11 yrs (top quartile).
Average maturity: 0.12 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~7.6%).

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (09 Jul 26)	₹2,911.74 ↑ 0.75 (0.03 %)
Net Assets (Cr)	₹11,182 on 31 May 26
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	2.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,358
30 Jun 23	₹11,020
30 Jun 24	₹11,823
30 Jun 25	₹12,670
30 Jun 26	₹13,456

Mirae Asset Cash Management Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3.2%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.3%
2017	6.6%
2016	7.2%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Pranavi Kulkarni	5 Feb 26	0.4 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.68%
Other	0.32%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.56%
Corporate	13.86%
Government	10.26%

Credit Quality

Rating	Value
AA	0.42%
AAA	99.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	8%	₹1,029 Cr
National Bank for Agriculture and Rural Development Commercial Paper \| -	4%	₹591 Cr	60,000,000 ↑ 60,000,000
Bank of Baroda Debentures \| -	3%	₹468 Cr	47,500,000 ↑ 47,500,000
India (Republic of) - \| -	3%	₹446 Cr	45,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹418 Cr	42,500,000 ↑ 42,500,000
ICICI Bank Ltd Md Certificate of Deposit \| -	3%	₹399 Cr	40,000,000
5.25% Reverse Repo CBLO/Reverse Repo \| -	3%	₹366 Cr
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹361 Cr	36,100,000 ↑ 31,100,000
Indian Bank Domestic Bonds \| -	2%	₹300 Cr	30,000,000 ↓ -5,000,000
Indian Oil Corp Ltd. Commercial Paper \| -	2%	₹300 Cr	30,000,000 ↑ 30,000,000

Disclaimer:
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।