এসআইপি 2022-এর জন্য 5টি সেরা আল্ট্রা শর্ট টার্ম ডেট ফান্ড

Updated on November 24, 2025 , 3085 views

অতি স্বল্প মেয়াদীঋণ তহবিল এক ধরনের হয়যৌথ পুঁজি একটি স্বল্পমেয়াদী জন্য অত্যন্ত উপযুক্ত যেবিনিয়োগ পরিকল্পনা. এই তহবিলগুলি ঋণের উপকরণগুলিতে বিনিয়োগ করে যার গড় পরিপক্কতা 91 দিনের বেশি থাকে। এই তহবিলগুলি ভাল রিটার্ন প্রদান করে এবং তরল ঋণ তহবিলের তুলনায় উচ্চতর পরিপক্কতা আছে, তবে এর চেয়ে বেশি উদ্বায়ীতরল তহবিল. কম বিনিয়োগকারীরা-ঝুকিপুন্ন ক্ষুধা আল্ট্রা বিনিয়োগ ঝোঁকস্বল্পমেয়াদী তহবিল, যেহেতু তারা অন্যান্য তুলনায় উচ্চ ফলন আছেমানি মার্কেট ফান্ড. এইভাবে, বিনিয়োগকারীরা যারা এক বছর বা তার কম সময়ের জন্য তাদের অর্থ পার্ক করতে চাইছেন তারা আদর্শভাবে এই স্কিমে বিনিয়োগ করতে পারেন। আরও ভাল রিটার্ন উপার্জন করতে, কেউ নীচে তালিকাভুক্ত জন্য তহবিল চয়ন করতে পারেনসেরা আল্ট্রা শর্ট টার্ম চুমুক তহবিল

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SIP বিনিয়োগ FY 22 - 23 এর জন্য শীর্ষ 5 সেরা পারফর্মিং আল্ট্রা শর্ট টার্ম ডেট ফান্ড

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹563.477 ↑ 0.16	₹22,389	1,000	1.6	3.4	7.6	7.5	7.9	6.81%	5M 19D	6M 22D
ICICI Prudential Ultra Short Term Fund Growth	₹28.4285 ↑ 0.01	₹17,841	1,000	1.6	3.2	7.2	7.2	7.5	6.64%	4M 24D	6M 11D
Invesco India Ultra Short Term Fund Growth	₹2,763.35 ↑ 0.53	₹1,259	1,000	1.4	3	7	7	7.5	6.37%	4M 23D	5M 2D
Kotak Savings Fund Growth	₹43.9427 ↑ 0.01	₹15,149	1,000	1.5	3.1	7	7	7.2	6.49%	5M 12D	6M 11D
Nippon India Ultra Short Duration Fund Growth	₹4,128.83 ↑ 1.11	₹12,641	100	1.5	3.1	6.9	6.9	7.2	6.81%	5M 17D	7M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund	Nippon India Ultra Short Duration Fund
Point 1	Highest AUM (₹22,389 Cr).	Upper mid AUM (₹17,841 Cr).	Bottom quartile AUM (₹1,259 Cr).	Lower mid AUM (₹15,149 Cr).	Bottom quartile AUM (₹12,641 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (21+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 7.64% (top quartile).	1Y return: 7.24% (upper mid).	1Y return: 6.99% (lower mid).	1Y return: 6.95% (bottom quartile).	1Y return: 6.94% (bottom quartile).
Point 6	1M return: 0.60% (top quartile).	1M return: 0.57% (upper mid).	1M return: 0.53% (bottom quartile).	1M return: 0.54% (bottom quartile).	1M return: 0.55% (lower mid).
Point 7	Sharpe: 3.40 (top quartile).	Sharpe: 2.79 (upper mid).	Sharpe: 2.37 (lower mid).	Sharpe: 1.86 (bottom quartile).	Sharpe: 2.13 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper 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): 6.81% (top quartile).	Yield to maturity (debt): 6.64% (lower mid).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 6.49% (bottom quartile).	Yield to maturity (debt): 6.81% (upper mid).
Point 10	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 0.40 yrs (top quartile).	Modified duration: 0.45 yrs (lower mid).	Modified duration: 0.46 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹22,389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.64% (top quartile).
1M return: 0.60% (top quartile).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹17,841 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.24% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (lower mid).
Modified duration: 0.40 yrs (upper mid).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,259 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.99% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: 2.37 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.40 yrs (top quartile).

Kotak Savings Fund

Lower mid AUM (₹15,149 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.95% (bottom quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 1.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (lower mid).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹12,641 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.94% (bottom quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).

*উপরে সেরা তালিকা রয়েছেআল্ট্রা-শর্ট তহবিলের উপরে AUM/নেট সম্পদ রয়েছে100 কোটি. সাজানো হয়েছেশেষ 1 বছরের রিটার্ন.

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

Highest AUM (₹22,389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.64% (top quartile).
1M return: 0.60% (top quartile).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.56 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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 (26 Nov 25)	₹563.477 ↑ 0.16 (0.03 %)
Net Assets (Cr)	₹22,389 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

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 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.4%
1 Year	7.6%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.38 Yr.
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Monika Gandhi	22 Mar 21	4.62 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	49.2%
Debt	50.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	47.85%
Cash Equivalent	39.2%
Government	12.71%

Credit Quality

Rating	Value
AA	28.73%
AAA	71.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Mankind Pharma Limited Debentures \| -	1%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	1%	₹344 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹272 Cr	27,000

2. 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 (₹17,841 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.24% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (lower mid).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.53 yrs (upper mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~60%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.22% Govt Stock 2028 (~3.5%).

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 (26 Nov 25)	₹28.4285 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹17,841 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.79
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	6.64%
Effective Maturity	6 Months 11 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,410
31 Oct 22	₹10,833
31 Oct 23	₹11,585
31 Oct 24	₹12,446
31 Oct 25	₹13,352

ICICI Prudential 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 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 26 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.2%
1 Year	7.2%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.97 Yr.
Ritesh Lunawat	15 Jun 17	8.39 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	59.71%
Debt	40.29%

Debt Sector Allocation

Sector	Value
Corporate	43.89%
Cash Equivalent	39.51%
Government	14.12%
Securitized	2.49%

Credit Quality

Rating	Value
AA	19.37%
AAA	80.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.22% Govt Stock 2028 Sovereign Bonds \| -	4%	₹653 Cr	64,636,600
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹613 Cr	61,000 ↑ 3,500
LIC Housing Finance Ltd Debentures \| -	3%	₹600 Cr	6,000
364 DTB 15012026 Sovereign Bonds \| -	3%	₹496 Cr	50,000,000 ↑ 50,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹460 Cr	450
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹376 Cr	3,750
Small Industries Development Bank Of India Debentures \| -	2%	₹352 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹277 Cr	27,500
India (Republic of) - \| -	1%	₹250 Cr	25,000,000

3. 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 (₹1,259 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.99% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: 2.37 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.40 yrs (top quartile).
Average maturity: 0.42 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.3%).

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 (26 Nov 25)	₹2,763.35 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹1,259 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	5 Months 2 Days
Modified Duration	4 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,299
31 Oct 22	₹10,668
31 Oct 23	₹11,378
31 Oct 24	₹12,219
31 Oct 25	₹13,080

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 26 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	7%
3 Year	7%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.83 Yr.
Vikas Garg	27 Jul 21	4.27 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	58.17%
Debt	41.55%
Other	0.28%

Debt Sector Allocation

Sector	Value
Cash Equivalent	42.37%
Corporate	39.68%
Government	17.67%

Credit Quality

Rating	Value
AA	21.58%
AAA	78.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹75 Cr	7,500,000 ↑ 7,500,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹40 Cr	4,000,000
Sundaram Home Finance Limited Debentures \| -	3%	₹35 Cr	3,500,000
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000

4. 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

Lower mid AUM (₹15,149 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.95% (bottom quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 1.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Housing Finance Limited (~4.2%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (26 Nov 25)	₹43.9427 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹15,149 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,324
31 Oct 22	₹10,731
31 Oct 23	₹11,467
31 Oct 24	₹12,290
31 Oct 25	₹13,149

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 26 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	7%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.56 Yr.
Manu Sharma	1 Nov 22	3 Yr.

Data below for Kotak Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	47.47%
Debt	52.23%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	50.84%
Cash Equivalent	25.86%
Government	22.08%
Securitized	0.93%

Credit Quality

Rating	Value
AA	10.87%
AAA	89.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹645 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹583 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹572 Cr	57,000 ↓ -20,000
Rec Limited Debentures \| -	3%	₹476 Cr	47,500
182 Days Treasury Bill 08/05/2026 Tb Sovereign Bonds \| -	2%	₹317 Cr	32,500,000 ↑ 32,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹304 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹302 Cr	30,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹243 Cr	25,000,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹213 Cr	210

5. 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 (₹12,641 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.94% (bottom quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.64 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

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 (26 Nov 25)	₹4,128.83 ↑ 1.11 (0.03 %)
Net Assets (Cr)	₹12,641 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.13
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	7 Months 19 Days
Modified Duration	5 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,811
31 Oct 22	₹11,262
31 Oct 23	₹12,020
31 Oct 24	₹12,882
31 Oct 25	₹13,781

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 26 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	6.9%
3 Year	6.9%
5 Year	6.6%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.09 Yr.
Kinjal Desai	25 May 18	7.44 Yr.
Akshay Sharma	1 Dec 22	2.92 Yr.
Lokesh Maru	5 Sep 25	0.16 Yr.
Divya Sharma	5 Sep 25	0.16 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	44.47%
Debt	55.33%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	54.03%
Cash Equivalent	30.17%
Government	15.6%

Credit Quality

Rating	Value
AA	23.81%
AAA	76.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹487 Cr	48,500
182 Days Tbill Sovereign Bonds \| -	2%	₹294 Cr	30,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹251 Cr	25,000 ↓ -10,000
JSW Energy Limited Debentures \| -	2%	₹251 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	2%	₹251 Cr	2,500
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹227 Cr	22,500
Aadhar Housing Finance Limited Debentures \| -	2%	₹202 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹201 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹201 Cr	2,000

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।