Table of Contents
রিকারিং ডিপোজিট বনাম ফিক্সড ডিপোজিট: কোনটি ভালো?
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
(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. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on 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. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (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. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (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. Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Savings Fund Returns up to 1 year are on (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. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (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. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a Below is the key information for LIC MF Liquid Fund Returns up to 1 year are on To enhance the income, while maintaining a level of liquidity through,
investment in a mix of MMI & Debt securities. However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Liquid is a Debt - Liquid Fund fund was launched on 15 Jul 08. It is a fund with Low risk and has given a Below is the key information for Canara Robeco Liquid Returns up to 1 year are on "The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized." DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on 1. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (30 Apr 24) ₹25.4685 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹12,180 on 31 Mar 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.66 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 8.02% Effective Maturity 5 Months 8 Days Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,729 30 Apr 21 ₹11,409 30 Apr 22 ₹11,846 30 Apr 23 ₹12,517 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.7% 1 Year 7.2% 3 Year 5.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 7.38 Yr. Ritesh Lunawat 15 Jun 17 6.8 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 61.82% Debt 37.92% Other 0.26% Debt Sector Allocation
Sector Value Corporate 46.2% Cash Equivalent 42.12% Government 11.41% Credit Quality
Rating Value AA 16.53% AAA 83.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹378 Cr 40,000,000 India (Republic of)
- | -3% ₹376 Cr 40,000,000 Bharti Telecom Limited
Debentures | -3% ₹341 Cr 34,000 LIC Housing Finance Ltd
Debentures | -2% ₹295 Cr 2,950 India (Republic of)
- | -2% ₹286 Cr 30,000,000 HDFC Bank Ltd.
Debentures | -2% ₹282 Cr 6,000 Indusind Bank Ltd.
Debentures | -2% ₹236 Cr 5,000 Indusind Bank Ltd.
Debentures | -2% ₹212 Cr 4,500 Mahindra Rural Housing Finance Limited
Debentures | -2% ₹200 Cr 2,000 Apollo Building Products Private Limited
Debentures | -2% ₹200 Cr 20,000 2. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (30 Apr 24) ₹501.913 ↑ 0.07 (0.01 %) Net Assets (Cr) ₹10,748 on 31 Mar 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.48 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.95% Effective Maturity 6 Months 4 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,739 30 Apr 21 ₹11,439 30 Apr 22 ₹11,902 30 Apr 23 ₹12,581 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.7% 3 Month 2% 6 Month 3.8% 1 Year 7.5% 3 Year 5.7% 5 Year 6.2% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 9.79 Yr. Kaustubh Gupta 15 Jul 11 12.72 Yr. Monika Gandhi 22 Mar 21 3.03 Yr. Dhaval Joshi 21 Nov 22 1.36 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 38.02% Debt 61.65% Other 0.32% Debt Sector Allocation
Sector Value Corporate 63.67% Cash Equivalent 21.04% Government 14.84% Securitized 0.12% Credit Quality
Rating Value AA 29.33% AAA 70.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -5% ₹598 Cr 6,000 Nirma Limited
Debentures | -4% ₹500 Cr 50,000 Tata Realty And Infrastructure Limited
Debentures | -3% ₹361 Cr 36,000 Bharti Telecom Limited
Debentures | -3% ₹325 Cr 3,250 Small Industries Development Bank of India 7.68%
Debentures | -3% ₹325 Cr 32,500
↑ 32,500 Bajaj Housing Finance Ltd. 8%
Debentures | -3% ₹300 Cr 30,000 Nirma Limited 8.3%
Debentures | -2% ₹250 Cr 25,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹249 Cr 2,500 HDFC Bank Limited
Debentures | -2% ₹244 Cr 2,450 National Bank For Agriculture And Rural Development
Debentures | -2% ₹244 Cr 2,500 3. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (30 Apr 24) ₹3,908.08 ↑ 0.45 (0.01 %) Net Assets (Cr) ₹2,093 on 31 Mar 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.95 Sharpe Ratio -0.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.91% Effective Maturity 6 Months 13 Days Modified Duration 6 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,255 30 Apr 21 ₹10,735 30 Apr 22 ₹11,394 30 Apr 23 ₹12,000 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 7% 3 Year 6.1% 5 Year 5.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% 2014 8.8% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Ritesh Nambiar 1 Jul 15 8.76 Yr. Data below for UTI Ultra Short Term Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 65.67% Debt 34.11% Other 0.22% Debt Sector Allocation
Sector Value Corporate 56.2% Cash Equivalent 40.36% Government 3.22% Credit Quality
Rating Value AA 19.59% AAA 80.41% Top Securities Holdings / Portfolio
Name Holding Value Quantity Ongc Petro Additions Limited
Debentures | -2% ₹50 Cr 5,000 LIC Housing Finance Ltd
Debentures | -2% ₹50 Cr 500 ICICI Bank Ltd.
Debentures | -2% ₹47 Cr 500,000,000 ICICI Bank Ltd.
Debentures | -2% ₹47 Cr 500,000,000
↑ 500,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹47 Cr 500,000,000
↑ 500,000,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹40 Cr 400 Aditya Birla Fashion And Retail Limited
Debentures | -2% ₹40 Cr 400 Axis Finance Limited
Debentures | -1% ₹29 Cr 250 Power Finance Corporation Limited
Debentures | -1% ₹25 Cr 250 India Grid TRust
Debentures | -1% ₹25 Cr 250 4. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (30 Apr 24) ₹3,712.08 ↑ 0.36 (0.01 %) Net Assets (Cr) ₹4,332 on 31 Mar 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.17 Sharpe Ratio -0.34 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.89% Effective Maturity 5 Months 25 Days Modified Duration 5 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,044 30 Apr 21 ₹10,589 30 Apr 22 ₹11,393 30 Apr 23 ₹12,019 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.5% 1 Year 6.9% 3 Year 6.7% 5 Year 5.2% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 10.51 Yr. Kinjal Desai 25 May 18 5.86 Yr. Akshay Sharma 1 Dec 22 1.33 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 47.75% Debt 52% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.71% Cash Equivalent 23.16% Government 19.88% Credit Quality
Rating Value AA 16.26% AAA 83.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -9% ₹486 Cr 50,000,000 182 DTB 22082024
Sovereign Bonds | -5% ₹288 Cr 29,500,000
↑ 19,500,000 Power Finance Corporation Limited
Debentures | -4% ₹216 Cr 2,150
↑ 1,150 Indinfravit Trust
Debentures | -4% ₹215 Cr 22,000 Punjab National Bank
Domestic Bonds | -4% ₹198 Cr 4,000 Canara Bank
Domestic Bonds | -4% ₹198 Cr 4,000
↓ -1,500 Dlf Cyber City Developers Ltd
Debentures | -2% ₹138 Cr 1,390 Hdb Financial Services Limited
Debentures | -2% ₹118 Cr 1,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹116 Cr 1,150
↑ 500 India (Republic of)
- | -2% ₹102 Cr 10,500,000
↑ 10,500,000 5. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (30 Apr 24) ₹39.5022 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹12,372 on 31 Mar 24 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio -0.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.8% Effective Maturity 8 Months 8 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,716 30 Apr 21 ₹11,238 30 Apr 22 ₹11,624 30 Apr 23 ₹12,264 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.5% 1 Year 7% 3 Year 5.3% 5 Year 5.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.8% 2022 4.5% 2021 3.2% 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% 2015 8.6% 2014 9.4% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 15.97 Yr. Manu Sharma 1 Nov 22 1.42 Yr. Palha Khanna 3 Jul 23 0.75 Yr. Data below for Kotak Savings Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 46.6% Debt 53.18% Other 0.21% Debt Sector Allocation
Sector Value Corporate 59.27% Government 20.55% Cash Equivalent 19.96% Credit Quality
Rating Value AA 9.78% AAA 90.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹584 Cr 60,000,010
↑ 20,000,000 Union Bank of India
Domestic Bonds | -3% ₹470 Cr 50,000 Rural Electrification Corporation Limited
Debentures | -3% ₹459 Cr 4,600 182 DTB 22082024
Sovereign Bonds | -3% ₹439 Cr 45,000,000 India (Republic of)
- | -3% ₹389 Cr 40,000,000 India (Republic of)
- | -3% ₹378 Cr 40,000,000 Mahindra And Mahindra Financial Services Limited
Debentures | -2% ₹350 Cr 3,500 Canara Bank
Domestic Bonds | -2% ₹344 Cr 35,000
↑ 35,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 182 DTB 29082024
Sovereign Bonds | -2% ₹244 Cr 25,000,000 6. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (30 Apr 24) ₹2,483.59 ↑ 0.34 (0.01 %) Net Assets (Cr) ₹614 on 31 Mar 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.89 Sharpe Ratio 0.33 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.74% Effective Maturity 5 Months 24 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,686 30 Apr 21 ₹11,139 30 Apr 22 ₹11,489 30 Apr 23 ₹12,086 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.8% 1 Year 7.1% 3 Year 5.1% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.6% 2022 4.1% 2021 3% 2020 5.1% 2019 7.6% 2018 7.3% 2017 7.1% 2016 9.1% 2015 8.3% 2014 10.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 4.24 Yr. Vikas Garg 27 Jul 21 2.68 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 43.51% Debt 56.14% Other 0.35% Debt Sector Allocation
Sector Value Corporate 65.04% Government 20.25% Cash Equivalent 14.36% Credit Quality
Rating Value AA 20.39% AAA 79.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -6% ₹34 Cr 3,500,000 Power Grid Corporation Of India Limited
Debentures | -4% ₹25 Cr 2,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -4% ₹25 Cr 2,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹25 Cr 2,500,000 182 DTB 22082024
Sovereign Bonds | -4% ₹24 Cr 2,500,000 Kotak Mahindra Bank Ltd.
Debentures | -4% ₹24 Cr 2,500,000 Bharti Hexacom Limited
Debentures | -3% ₹20 Cr 2,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹20 Cr 2,000,000 PNb Housing Finance Limited
Debentures | -3% ₹15 Cr 1,500,000 The Tata Power Company Limited
Debentures | -3% ₹15 Cr 1,500,000 7. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (30 Apr 24) ₹5,493.82 ↑ 0.78 (0.01 %) Net Assets (Cr) ₹9,018 on 31 Mar 24 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.49 Sharpe Ratio 0.77 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.68% Effective Maturity 5 Months 8 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,734 30 Apr 21 ₹11,262 30 Apr 22 ₹11,657 30 Apr 23 ₹12,301 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.6% 1 Year 7.2% 3 Year 5.4% 5 Year 5.7% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.5% 2021 3.4% 2020 5.9% 2019 8% 2018 7.9% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Arun R. 1 Jun 21 2.84 Yr. Ardhendu Bhattacharya 1 Dec 23 0.33 Yr. Pradeep Kesavan 1 Dec 23 0.33 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 67.4% Debt 32.31% Other 0.29% Debt Sector Allocation
Sector Value Corporate 56.18% Cash Equivalent 36.75% Government 6.78% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 25042024
Sovereign Bonds | -7% ₹649 Cr 65,000,000 Tata Teleservices Ltd
Debentures | -4% ₹382 Cr 8,000 Panatone Finvest Ltd
Debentures | -3% ₹283 Cr 6,000 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹266 Cr 5,500 Rural Electrification Corporation Limited
Debentures | -3% ₹259 Cr 2,600 182 DTB 06062024
Sovereign Bonds | -3% ₹248 Cr 25,000,000
↓ -35,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹247 Cr 2,500
↑ 2,500 RBL Bank Ltd.
Debentures | -2% ₹238 Cr 5,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹238 Cr 5,000 Power Finance Corporation Limited
Debentures | -2% ₹209 Cr 2,100
↑ 2,100 8. LIC MF Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% . LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (30 Apr 24) ₹4,355.82 ↑ 0.77 (0.02 %) Net Assets (Cr) ₹8,305 on 31 Mar 24 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.66% Effective Maturity 1 Month 12 Days Modified Duration 1 Month 12 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,603 30 Apr 21 ₹10,963 30 Apr 22 ₹11,332 30 Apr 23 ₹11,995 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.5% 5 Year 5.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 8.5 Yr. Data below for LIC MF Liquid Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 97.84% Debt 1.94% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 75.51% Corporate 21.11% Government 3.15% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of India
Debentures | -4% ₹494 Cr 10,000 6.69% Govt Stock 2024
Sovereign Bonds | -4% ₹459 Cr 45,000,000
↑ 45,000,000 Canara Bank
Domestic Bonds | -4% ₹445 Cr 9,000 Treps
CBLO/Reverse Repo | -4% ₹406 Cr 91 DTB 23052024
Sovereign Bonds | -3% ₹397 Cr 40,000,000 Birla Group Holdings Private Limited
Commercial Paper | -3% ₹390 Cr 7,900 364 DTB 23052024
Sovereign Bonds | -3% ₹358 Cr 36,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹346 Cr 7,000 91 DTB 02052024
Sovereign Bonds | -3% ₹299 Cr 30,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹298 Cr 6,000 9. Canara Robeco Liquid
CAGR/Annualized return of 6.9% since its launch. Ranked 44 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.2% . Canara Robeco Liquid
Growth Launch Date 15 Jul 08 NAV (01 May 24) ₹2,898.68 ↑ 0.56 (0.02 %) Net Assets (Cr) ₹2,211 on 31 Mar 24 Category Debt - Liquid Fund AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 1.54 Information Ratio -3.25 Alpha Ratio -0.18 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 2 Months 7 Days Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,551 30 Apr 21 ₹10,883 30 Apr 22 ₹11,248 30 Apr 23 ₹11,924 Returns for Canara Robeco Liquid
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.7% 1 Year 7.3% 3 Year 5.5% 5 Year 5% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.9% 2021 3.2% 2020 3.7% 2019 6.4% 2018 7.4% 2017 6.5% 2016 7.5% 2015 8.2% 2014 9% Fund Manager information for Canara Robeco Liquid
Name Since Tenure Avnish Jain 1 Apr 22 2 Yr. Kunal Jain 18 Jul 22 1.71 Yr. Data below for Canara Robeco Liquid as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.82% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 51.33% Corporate 30.62% Government 17.86% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -8% ₹295 Cr 30,000,000
↑ 30,000,000 India (Republic of)
- | -6% ₹200 Cr 20,000,000
↑ 20,000,000 HDB Financial Services
Commercial Paper | -5% ₹198 Cr 4,000 Punjab National Bank
Domestic Bonds | -5% ₹197 Cr 4,000
↑ 4,000 Bank Of Baroda
Certificate of Deposit | -4% ₹149 Cr 3,000 Axis Bank Limited
Certificate of Deposit | -4% ₹149 Cr 3,000 Godrej Consumer Products Ltd.
Commercial Paper | -4% ₹149 Cr 3,000 Bajaj Finance Ltd.
Commercial Paper | -4% ₹147 Cr 3,000
↑ 3,000 ICICI Bank Limited
Certificate of Deposit | -3% ₹124 Cr 2,500
↓ -500 Reliance Jio Infocomm Ltd.
Commercial Paper | -3% ₹123 Cr 2,500 10. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (30 Apr 24) ₹3,141.55 ↑ 0.33 (0.01 %) Net Assets (Cr) ₹2,228 on 31 Mar 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -1.1 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,670 30 Apr 21 ₹11,080 30 Apr 22 ₹11,415 30 Apr 23 ₹12,004 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Apr 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.4% 1 Year 6.9% 3 Year 5% 5 Year 5.1% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.1% 2021 2.9% 2020 4.7% 2019 7.3% 2018 5% 2017 6% 2016 7.5% 2015 7.9% 2014 8.8% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Kedar Karnik 17 Jul 16 7.71 Yr. Karan Mundhra 31 May 21 2.84 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 76.21% Debt 23.52% Other 0.28% Debt Sector Allocation
Sector Value Corporate 59.25% Cash Equivalent 31.16% Government 9.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.35% Govt Stock 2024
Sovereign Bonds | -3% ₹80 Cr 7,800,000 182 DTB 25072024
Sovereign Bonds | -3% ₹74 Cr 7,500,000 Bank of Baroda
Debentures | -3% ₹70 Cr 1,500
↑ 1,000 Bajaj Housing Finance Limited
Debentures | -2% ₹53 Cr 500 LIC Housing Finance Ltd
Debentures | -2% ₹52 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹52 Cr 500 Kisetsu Saison Finance (India) Pvt Ltd.
Debentures | -2% ₹49 Cr 1,000
↑ 1,000 182 DTB 18072024
Sovereign Bonds | -2% ₹49 Cr 5,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹48 Cr 1,000 Punjab National Bank
Domestic Bonds | -2% ₹47 Cr 1,000
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