SIP 2022-এ বিনিয়োগের জন্য 8টি সেরা স্বল্পমেয়াদী মিউচুয়াল ফান্ড

Updated on August 9, 2025 , 43568 views

স্বল্পমেয়াদীযৌথ পুঁজি এক ধরনের হয়ঋণ তহবিল যা বিনিয়োগকারীদের স্বল্প মেয়াদের জন্য, অর্থাৎ 1-3 বছর পর্যন্ত বিনিয়োগ করতে দেয়। এই তহবিলগুলি ডেট সিকিউরিটিজগুলিতে বিনিয়োগ করে এবং ভাল রিটার্ন অর্জনের জন্য স্থায়ী আমানতের বিকল্প খুঁজছেন বিনিয়োগকারীদের জন্য আদর্শ। এই তহবিলগুলি সাধারণত ঋণের উপকরণগুলিতে বিনিয়োগ করে যেমন aআমানতের সনদ পত্র, সরকারী কাগজ এবং কর্পোরেট কাগজ.স্বল্পমেয়াদী ঋণ তহবিল বৃহত্তর নমনীয়তা অনুমতি দিন। বিনিয়োগকারীরা যখন প্রয়োজন তখন তহবিল থেকে প্রস্থান করতে পারেন। এছাড়াও, অন্যদের থেকে ভিন্নমিউচুয়াল ফান্ডের প্রকারভেদ, এই তহবিলে কোন প্রত্যাহার চার্জ নেই।সেরা স্বল্পমেয়াদী মিউচুয়াল ফান্ড বিনিয়োগকারীদের কম দিয়ে ভাল রিটার্ন উপার্জন করার অনুমতি দিনবাজার ঝুঁকি সুতরাং, বিনিয়োগকারীরা যারা স্বল্প বা মধ্য মেয়াদে বিনিয়োগ করতে চান তারা এই স্কিমে বিনিয়োগ করতে পারেন এবং মূল্যবান রিটার্ন এবং বৃদ্ধি পেতে পারেন।

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SIP বিনিয়োগের জন্য শীর্ষ 8 সেরা পারফর্মিং স্বল্পমেয়াদী ঋণ তহবিল FY 22 - 23

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Short Term Fund Growth	₹60.7535 ↓ -0.01	₹21,491	1,000	1.9	4.7	8.6	7.8	7.8	7.18%	1Y 11M 23D	3Y 5M 12D
HDFC Short Term Debt Fund Growth	₹32.3317 ↓ -0.01	₹17,402	300	2	4.6	8.7	7.7	8.3	6.88%	2Y 6M 11D	3Y 9M 11D
Axis Short Term Fund Growth	₹31.2403 ↓ -0.01	₹11,467	1,000	2	4.9	9	7.6	8	6.8%	2Y 2M 19D	2Y 8M 12D
Nippon India Short Term Fund Growth	₹53.3555 ↓ -0.03	₹8,330	100	2	4.8	8.9	7.5	8	7.03%	2Y 8M 8D	3Y 4M 28D
UTI Short Term Income Fund Growth	₹32.0129 ↓ -0.01	₹3,281	500	1.9	4.5	8.5	7.5	7.9	6.76%	2Y 7M 6D	3Y 3M 11D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹48.0102 ↓ -0.03	₹10,497	1,000	1.8	4.6	8.6	7.5	7.9	7%	2Y 10M 13D	3Y 9M
Baroda Pioneer Short Term Bond Fund Growth	₹29.5248 ↓ -0.02	₹300	500	1.9	4.7	8.6	7.5	7.7	6.8%	2Y 8M 16D	3Y 4M 10D
SBI Short Term Debt Fund Growth	₹32.4418 ↓ -0.01	₹16,053	500	1.9	4.7	8.7	7.4	7.7	6.84%	2Y 5M 16D	3Y 14D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Aug 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	ICICI Prudential Short Term Fund	HDFC Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	UTI Short Term Income Fund	Aditya Birla Sun Life Short Term Opportunities Fund	Baroda Pioneer Short Term Bond Fund	SBI Short Term Debt Fund
Point 1	Highest AUM (₹21,491 Cr).	Top quartile AUM (₹17,402 Cr).	Upper mid AUM (₹11,467 Cr).	Lower mid AUM (₹8,330 Cr).	Bottom quartile AUM (₹3,281 Cr).	Lower mid AUM (₹10,497 Cr).	Bottom quartile AUM (₹300 Cr).	Upper mid AUM (₹16,053 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (17+ yrs).	Established history (22+ yrs).	Established history (15+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.56% (bottom quartile).	1Y return: 8.73% (upper mid).	1Y return: 8.98% (top quartile).	1Y return: 8.93% (top quartile).	1Y return: 8.47% (bottom quartile).	1Y return: 8.58% (lower mid).	1Y return: 8.63% (lower mid).	1Y return: 8.68% (upper mid).
Point 6	1M return: 0.34% (top quartile).	1M return: 0.30% (upper mid).	1M return: 0.34% (upper mid).	1M return: 0.34% (top quartile).	1M return: 0.30% (lower mid).	1M return: 0.30% (lower mid).	1M return: 0.28% (bottom quartile).	1M return: 0.29% (bottom quartile).
Point 7	Sharpe: 2.27 (top quartile).	Sharpe: 2.20 (upper mid).	Sharpe: 2.32 (top quartile).	Sharpe: 2.14 (upper mid).	Sharpe: 1.89 (bottom quartile).	Sharpe: 1.92 (lower mid).	Sharpe: 1.79 (bottom quartile).	Sharpe: 1.99 (lower mid).
Point 8	Information 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).
Point 9	Yield to maturity (debt): 7.18% (top quartile).	Yield to maturity (debt): 6.88% (upper mid).	Yield to maturity (debt): 6.80% (lower mid).	Yield to maturity (debt): 7.03% (top quartile).	Yield to maturity (debt): 6.76% (bottom quartile).	Yield to maturity (debt): 7.00% (upper mid).	Yield to maturity (debt): 6.80% (bottom quartile).	Yield to maturity (debt): 6.84% (lower mid).
Point 10	Modified duration: 1.98 yrs (top quartile).	Modified duration: 2.53 yrs (upper mid).	Modified duration: 2.22 yrs (top quartile).	Modified duration: 2.69 yrs (lower mid).	Modified duration: 2.60 yrs (lower mid).	Modified duration: 2.87 yrs (bottom quartile).	Modified duration: 2.71 yrs (bottom quartile).	Modified duration: 2.46 yrs (upper mid).

ICICI Prudential Short Term Fund

Highest AUM (₹21,491 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.56% (bottom quartile).
1M return: 0.34% (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.18% (top quartile).
Modified duration: 1.98 yrs (top quartile).

HDFC Short Term Debt Fund

Top quartile AUM (₹17,402 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.73% (upper mid).
1M return: 0.30% (upper mid).
Sharpe: 2.20 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 2.53 yrs (upper mid).

Axis Short Term Fund

Upper mid AUM (₹11,467 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.98% (top quartile).
1M return: 0.34% (upper mid).
Sharpe: 2.32 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.80% (lower mid).
Modified duration: 2.22 yrs (top quartile).

Nippon India Short Term Fund

Lower mid AUM (₹8,330 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.93% (top quartile).
1M return: 0.34% (top quartile).
Sharpe: 2.14 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.03% (top quartile).
Modified duration: 2.69 yrs (lower mid).

UTI Short Term Income Fund

Bottom quartile AUM (₹3,281 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.47% (bottom quartile).
1M return: 0.30% (lower mid).
Sharpe: 1.89 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 2.60 yrs (lower mid).

Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,497 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.58% (lower mid).
1M return: 0.30% (lower mid).
Sharpe: 1.92 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (upper mid).
Modified duration: 2.87 yrs (bottom quartile).

Baroda Pioneer Short Term Bond Fund

Bottom quartile AUM (₹300 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.63% (lower mid).
1M return: 0.28% (bottom quartile).
Sharpe: 1.79 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (bottom quartile).
Modified duration: 2.71 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹16,053 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.68% (upper mid).
1M return: 0.29% (bottom quartile).
Sharpe: 1.99 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.84% (lower mid).
Modified duration: 2.46 yrs (upper mid).

*উপরে সেরা তালিকা রয়েছেস্বল্পমেয়াদী ঋণ উপরে AUM/নিট সম্পদ আছে তহবিল100 কোটি. সাজানো হয়েছেশেষ 3 বছরের রিটার্ন.

1. ICICI Prudential Short Term Fund

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

Research Highlights for ICICI Prudential Short Term Fund

Highest AUM (₹21,491 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.56% (bottom quartile).
1M return: 0.34% (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.18% (top quartile).
Modified duration: 1.98 yrs (top quartile).
Average maturity: 3.45 yrs (lower mid).
Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.81% Govt Stock 2033 (~5.3%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (11 Aug 25)	₹60.7535 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹21,491 on 30 Jun 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	2.27
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity	7.18%
Effective Maturity	3 Years 5 Months 12 Days
Modified Duration	1 Year 11 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,511
31 Jul 22	₹10,878
31 Jul 23	₹11,684
31 Jul 24	₹12,575
31 Jul 25	₹13,679

ICICI Prudential 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 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 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	1.9%
6 Month	4.7%
1 Year	8.6%
3 Year	7.8%
5 Year	6.5%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.7%
2021	3.9%
2020	10.6%
2019	9.7%
2018	5.8%
2017	5.9%
2016	11.1%
2015	8%

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	15.71 Yr.
Nikhil Kabra	29 Dec 20	4.59 Yr.

Data below for ICICI Prudential Short Term Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	5.88%
Debt	93.85%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	68.55%
Government	26.61%
Cash Equivalent	4.56%

Credit Quality

Rating	Value
AA	20.19%
AAA	79.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	5%	₹1,157 Cr	111,312,240
LIC Housing Finance Ltd Debentures \| -	3%	₹763 Cr	75,000 ↑ 15,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹712 Cr	69,574,740
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹556 Cr	55,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹515 Cr	50,500
Vedanta Limited Debentures \| -	2%	₹511 Cr	51,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹406 Cr	38,858,430 ↓ -5,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹374 Cr	37,000
Small Industries Development Bank Of India Debentures \| -	2%	₹369 Cr	36,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹354 Cr	35,000

2. HDFC Short Term Debt Fund

(Erstwhile HDFC Short Term Opportunities Fund)

To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months.

Research Highlights for HDFC Short Term Debt Fund

Top quartile AUM (₹17,402 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.73% (upper mid).
1M return: 0.30% (upper mid).
Sharpe: 2.20 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.88% (upper mid).
Modified duration: 2.53 yrs (upper mid).
Average maturity: 3.78 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~4.9%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (11 Aug 25)	₹32.3317 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹17,402 on 30 Jun 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	2.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.88%
Effective Maturity	3 Years 9 Months 11 Days
Modified Duration	2 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,530
31 Jul 22	₹10,824
31 Jul 23	₹11,560
31 Jul 24	₹12,457
31 Jul 25	₹13,573

HDFC Short Term Debt 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 HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	2%
6 Month	4.6%
1 Year	8.7%
3 Year	7.7%
5 Year	6.3%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.1%
2022	3.5%
2021	3.9%
2020	11%
2019	9.7%
2018	7%
2017	6.5%
2016	9.3%
2015	8.7%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.11 Yr.
Dhruv Muchhal	22 Jun 23	2.11 Yr.

Data below for HDFC Short Term Debt Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	10.51%
Debt	89.22%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	62.75%
Government	29.88%
Cash Equivalent	7.1%

Credit Quality

Rating	Value
AA	12.32%
AAA	87.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹866 Cr	82,500,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹445 Cr	43,500
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹420 Cr	41,500,000
Jubilant Beverages Limited Debentures \| -	2%	₹395 Cr	38,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹364 Cr	34,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹334 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹257 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹256 Cr	25,000
Pipeline Infrastructure Limited Debentures \| -	1%	₹254 Cr	24,500
Power Finance Corporation Limited Debentures \| -	1%	₹249 Cr	25,000

3. Axis Short Term Fund

To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Short Term Fund

Upper mid AUM (₹11,467 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.98% (top quartile).
1M return: 0.34% (upper mid).
Sharpe: 2.32 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.80% (lower mid).
Modified duration: 2.22 yrs (top quartile).
Average maturity: 2.70 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.5%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (11 Aug 25)	₹31.2403 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹11,467 on 30 Jun 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.92
Sharpe Ratio	2.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	2 Years 8 Months 12 Days
Modified Duration	2 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,461
31 Jul 22	₹10,774
31 Jul 23	₹11,465
31 Jul 24	₹12,305
31 Jul 25	₹13,437

Axis 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 Axis 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 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	2%
6 Month	4.9%
1 Year	9%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.7%
2021	3.5%
2020	10.1%
2019	9.8%
2018	6.3%
2017	5.9%
2016	9.6%
2015	8.1%

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.74 Yr.
Aditya Pagaria	3 Jul 23	2.08 Yr.

Data below for Axis Short Term Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	12.22%
Debt	87.51%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	71.34%
Government	20.81%
Cash Equivalent	7.59%

Credit Quality

Rating	Value
AA	13.82%
AAA	86.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹521 Cr	51,000 ↑ 10,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹387 Cr	37,626,700 ↑ 25,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹299 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹265 Cr	26,000
Rec Limited Debentures \| -	2%	₹264 Cr	25,854
Indigrid Infrastructure Trust Debentures \| -	2%	₹193 Cr	19,000
India (Republic of) 6.28% Sovereign Bonds \| -	2%	₹187 Cr	18,737,200 ↑ 18,737,200
Rec Limited Debentures \| -	2%	₹179 Cr	17,500
Tata Capital Limited Debentures \| -	2%	₹178 Cr	1,750 ↑ 750
Small Industries Development Bank Of India Debentures \| -	2%	₹177 Cr	17,500 ↑ 12,500

4. Nippon India Short Term Fund

The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securitites of a short term maturity.

Research Highlights for Nippon India Short Term Fund

Lower mid AUM (₹8,330 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.93% (top quartile).
1M return: 0.34% (top quartile).
Sharpe: 2.14 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.03% (top quartile).
Modified duration: 2.69 yrs (lower mid).
Average maturity: 3.41 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.32% Govt Stock 2030 (~5.7%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (11 Aug 25)	₹53.3555 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹8,330 on 30 Jun 25
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	2.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.03%
Effective Maturity	3 Years 4 Months 28 Days
Modified Duration	2 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,563
31 Jul 22	₹10,846
31 Jul 23	₹11,534
31 Jul 24	₹12,384
31 Jul 25	₹13,518

Nippon India 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 Nippon India 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 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	2%
6 Month	4.8%
1 Year	8.9%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.2%
2021	4.4%
2020	9.5%
2019	9.4%
2018	5.5%
2017	5.7%
2016	9.8%
2015	8.1%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.5 Yr.
Kinjal Desai	25 May 18	7.19 Yr.
Sushil Budhia	31 Mar 21	4.34 Yr.

Data below for Nippon India Short Term Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	4.98%
Debt	94.74%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	60.76%
Government	35.35%
Cash Equivalent	3.61%

Credit Quality

Rating	Value
AA	11.73%
AAA	88.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	6%	₹506 Cr	48,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	5%	₹486 Cr	46,500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	3%	₹260 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹225 Cr	22,000
7.17% State Government Securities Sovereign Bonds \| -	2%	₹211 Cr	20,500,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹204 Cr	20,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹175 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	2%	₹170 Cr	16,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹170 Cr	16,500
Can Fin Homes Limited Debentures \| -	2%	₹168 Cr	16,500

5. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Short Term Income Fund

Bottom quartile AUM (₹3,281 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.47% (bottom quartile).
1M return: 0.30% (lower mid).
Sharpe: 1.89 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 2.60 yrs (lower mid).
Average maturity: 3.28 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~9.2%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (11 Aug 25)	₹32.0129 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹3,281 on 30 Jun 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.94
Sharpe Ratio	1.89
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	3 Years 3 Months 11 Days
Modified Duration	2 Years 7 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,463
31 Jul 22	₹11,250
31 Jul 23	₹12,012
31 Jul 24	₹12,897
31 Jul 25	₹14,013

UTI Short Term Income Fund SIP 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 Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	1.9%
6 Month	4.5%
1 Year	8.5%
3 Year	7.5%
5 Year	7%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%
2015	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Anurag Mittal	8 Apr 25	0.31 Yr.
Sudhir Agarwal	25 Oct 12	12.77 Yr.

Data below for UTI Short Term Income Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	10.01%
Debt	89.77%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	65.05%
Government	28.97%
Cash Equivalent	5.77%

Credit Quality

Rating	Value
AA	9.59%
AAA	90.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	9%	₹314 Cr	3,050,000,000
National Housing Bank Debentures \| -	5%	₹179 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	5%	₹179 Cr	17,500
LIC Housing Finance Ltd Debentures \| -	5%	₹179 Cr	1,750
Power Finance Corporation Limited Debentures \| -	5%	₹178 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹143 Cr	14,000 ↑ 5,000
Axis Bank Ltd. Debentures \| -	4%	₹142 Cr	1,500,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹127 Cr	12,500
Export Import Bank Of India Debentures \| -	4%	₹127 Cr	12,500
Mankind Pharma Limited Debentures \| -	3%	₹102 Cr	10,000

6. Aditya Birla Sun Life Short Term Opportunities Fund

An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating.

Research Highlights for Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,497 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.58% (lower mid).
1M return: 0.30% (lower mid).
Sharpe: 1.92 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (upper mid).
Modified duration: 2.87 yrs (bottom quartile).
Average maturity: 3.75 yrs (bottom quartile).
Exit load: 0-90 Days (0.5%),90 Days and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Rec Limited (~4.4%).

Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund

Aditya Birla Sun Life Short Term Opportunities Fund Growth
Launch Date	9 May 03
NAV (11 Aug 25)	₹48.0102 ↓ -0.03 (-0.07 %)
Net Assets (Cr)	₹10,497 on 15 Jul 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	1.92
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity	7%
Effective Maturity	3 Years 9 Months
Modified Duration	2 Years 10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,614
31 Jul 22	₹10,984
31 Jul 23	₹11,701
31 Jul 24	₹12,555
31 Jul 25	₹13,666

Aditya Birla Sun Life Short Term Opportunities 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 Short Term Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	1.8%
6 Month	4.6%
1 Year	8.6%
3 Year	7.5%
5 Year	6.4%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	4.2%
2021	3.8%
2020	11.1%
2019	8.5%
2018	6.5%
2017	5.6%
2016	11.3%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund

Name	Since	Tenure
Kaustubh Gupta	11 Sep 14	10.89 Yr.
Mohit Sharma	6 Aug 20	4.99 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 15 Jul 25

Asset Allocation

Asset Class	Value
Cash	4.29%
Debt	95.44%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	57.46%
Government	37.98%
Cash Equivalent	4.29%

Credit Quality

Rating	Value
AA	15.25%
AAA	84.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	4%	₹459 Cr	45,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹434 Cr	42,500
Power Grid Corporation Of India Limited Debentures \| -	4%	₹425 Cr	42,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹424 Cr	42,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹419 Cr	41,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹351 Cr	35,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹310 Cr	29,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹273 Cr	27,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹245 Cr	23,406,400
Small Industries Development Bank Of India Debentures \| -	2%	₹240 Cr	23,500

7. Baroda Pioneer Short Term Bond Fund

The objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.

Research Highlights for Baroda Pioneer Short Term Bond Fund

Bottom quartile AUM (₹300 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.63% (lower mid).
1M return: 0.28% (bottom quartile).
Sharpe: 1.79 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.80% (bottom quartile).
Modified duration: 2.71 yrs (bottom quartile).
Average maturity: 3.36 yrs (upper mid).
Exit load: 0-15 Days (0.25%),15 Days and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~8.8%).

Below is the key information for Baroda Pioneer Short Term Bond Fund

Baroda Pioneer Short Term Bond Fund Growth
Launch Date	30 Jun 10
NAV (11 Aug 25)	₹29.5248 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹300 on 15 Jul 25
Category	Debt - Short term Bond
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.04
Sharpe Ratio	1.79
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	6.8%
Effective Maturity	3 Years 4 Months 10 Days
Modified Duration	2 Years 8 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,459
31 Jul 22	₹10,688
31 Jul 23	₹11,399
31 Jul 24	₹12,209
31 Jul 25	₹13,286

Baroda Pioneer Short Term Bond 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 Baroda Pioneer Short Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	1.9%
6 Month	4.7%
1 Year	8.6%
3 Year	7.5%
5 Year	5.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7%
2022	3%
2021	3.7%
2020	7.5%
2019	8.8%
2018	7.1%
2017	7.6%
2016	9.5%
2015	8.6%

Fund Manager information for Baroda Pioneer Short Term Bond Fund

Name	Since	Tenure
Gurvinder Wasan	21 Oct 24	0.78 Yr.
Vikram Pamnani	10 Jul 24	1.06 Yr.

Data below for Baroda Pioneer Short Term Bond Fund as on 15 Jul 25

Asset Allocation

Asset Class	Value
Cash	4.86%
Debt	94.87%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	62.37%
Government	32.49%
Cash Equivalent	4.86%

Credit Quality

Rating	Value
AA	10.74%
AAA	89.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	9%	₹26 Cr	2,500,000 ↓ -500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹15 Cr	1,500
National Housing Bank Debentures \| -	5%	₹15 Cr	1,500
Power Finance Corporation Limited Debentures \| -	5%	₹15 Cr	1,500
Small Industries Development Bank Of India Debentures \| -	4%	₹13 Cr	1,300
Hindustan Petroleum Corporation Limited Debentures \| -	4%	₹12 Cr	120
Larsen And Toubro Limited Debentures \| -	3%	₹10 Cr	1,000
7.08% Karnataka State Development Loans (12/08/2031) Sovereign Bonds \| -	3%	₹10 Cr	1,000,000
Ultratech Cement Limited Debentures \| -	3%	₹10 Cr	1,000
LIC Housing Finance Ltd Debentures \| -	3%	₹10 Cr	1,000

8. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

Research Highlights for SBI Short Term Debt Fund

Upper mid AUM (₹16,053 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.68% (upper mid).
1M return: 0.29% (bottom quartile).
Sharpe: 1.99 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.84% (lower mid).
Modified duration: 2.46 yrs (upper mid).
Average maturity: 3.04 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~7.7%).

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (11 Aug 25)	₹32.4418 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹16,053 on 30 Jun 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.99
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.84%
Effective Maturity	3 Years 14 Days
Modified Duration	2 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 20	₹10,000
31 Jul 21	₹10,394
31 Jul 22	₹10,663
31 Jul 23	₹11,345
31 Jul 24	₹12,154
31 Jul 25	₹13,238

SBI Short Term Debt 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 SBI Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 11 Aug 25

Duration	Returns
1 Month	0.3%
3 Month	1.9%
6 Month	4.7%
1 Year	8.7%
3 Year	7.4%
5 Year	5.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	6.7%
2022	3.5%
2021	2.8%
2020	9.9%
2019	9.5%
2018	6%
2017	5.7%
2016	9.9%
2015	8.2%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Mansi Sajeja	1 Dec 23	1.67 Yr.

Data below for SBI Short Term Debt Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	15.45%
Debt	84.28%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.68%
Government	22.88%
Cash Equivalent	12.17%

Credit Quality

Rating	Value
AA	13.2%
AAA	86.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,259 Cr	120,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	4%	₹690 Cr	66,000,000 ↓ -16,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹511 Cr	50,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹510 Cr	50,000
Rec Limited Debentures \| -	3%	₹510 Cr	50,000
TATA Communications Limited Debentures \| -	2%	₹405 Cr	40,000
Small Industries Development Bank Of India Debentures \| -	2%	₹357 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	2%	₹331 Cr	32,500
Hindustan Petroleum Corporation Limited Debentures \| -	2%	₹327 Cr	32,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹318 Cr	31,000

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।