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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 ₹567.457
↓ -0.14 ₹23,615 1,000 1.2 2.8 7.1 7.4 7.4 6.81% 5M 19D 6M 11D ICICI Prudential Ultra Short Term Fund Growth ₹28.6392
↓ -0.01 ₹16,907 1,000 1.2 2.8 6.8 7.1 7.1 6.82% 5M 19D 7M 10D Kotak Savings Fund Growth ₹44.2716
↓ -0.01 ₹14,243 1,000 1.2 2.6 6.6 6.9 6.8 6.66% 5M 26D 6M 25D Nippon India Ultra Short Duration Fund Growth ₹4,159.89
↓ -0.70 ₹11,060 100 1.2 2.7 6.5 6.8 6.8 7% 3Y 6M 18D 4Y 8M 8D Invesco India Ultra Short Term Fund Growth ₹2,783.51
↓ -0.19 ₹1,234 1,000 1.2 2.6 6.5 6.9 6.8 6.57% 5M 16D 5M 24D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund Kotak Savings Fund Nippon India Ultra Short Duration Fund Invesco India Ultra Short Term Fund Point 1 Highest AUM (₹23,615 Cr). Upper mid AUM (₹16,907 Cr). Lower mid AUM (₹14,243 Cr). Bottom quartile AUM (₹11,060 Cr). Bottom quartile AUM (₹1,234 Cr). Point 2 Established history (22+ yrs). Established history (14+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Point 5 1Y return: 7.08% (top quartile). 1Y return: 6.81% (upper mid). 1Y return: 6.59% (lower mid). 1Y return: 6.54% (bottom quartile). 1Y return: 6.51% (bottom quartile). Point 6 1M return: 0.30% (bottom quartile). 1M return: 0.32% (bottom quartile). 1M return: 0.35% (top quartile). 1M return: 0.34% (upper mid). 1M return: 0.34% (lower mid). Point 7 Sharpe: 3.14 (top quartile). Sharpe: 2.94 (upper mid). Sharpe: 2.06 (bottom quartile). Sharpe: 2.30 (bottom quartile). Sharpe: 2.41 (lower mid). 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% (lower mid). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 7.00% (top quartile). Yield to maturity (debt): 6.57% (bottom quartile). Point 10 Modified duration: 0.47 yrs (upper mid). Modified duration: 0.47 yrs (lower mid). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 3.55 yrs (bottom quartile). Modified duration: 0.46 yrs (top quartile). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
Kotak Savings Fund
Nippon India Ultra Short Duration Fund
Invesco India Ultra Short Term Fund
*উপরে সেরা তালিকা রয়েছেআল্ট্রা-শর্ট তহবিলের উপরে AUM/নেট সম্পদ রয়েছে100 কোটি. সাজানো হয়েছেশেষ 1 বছরের রিটার্ন.
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. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Ultra Short Term 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. Research Highlights for Kotak Savings Fund Below is the key information for Kotak Savings 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. Research Highlights for Nippon India Ultra Short Duration Fund Below is the key information for Nippon India Ultra Short Duration 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. Research Highlights for Invesco India Ultra Short Term Fund Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (28 Jan 26) ₹567.457 ↓ -0.14 (-0.02 %) Net Assets (Cr) ₹23,615 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 3.14 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 11 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.8% 1 Year 7.1% 3 Year 7.4% 5 Year 6.2% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Data below for Aditya Birla Sun Life Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (28 Jan 26) ₹28.6392 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹16,907 on 31 Dec 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.94 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 6.82% Effective Maturity 7 Months 10 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.8% 1 Year 6.8% 3 Year 7.1% 5 Year 6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 7.5% 2022 6.9% 2021 4.5% 2020 4% 2019 6.5% 2018 8.4% 2017 7.5% 2016 6.9% 2015 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Data below for ICICI Prudential Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (28 Jan 26) ₹44.2716 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹14,243 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 2.06 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.6% 1 Year 6.6% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.8% 2021 4.5% 2020 3.2% 2019 5.8% 2018 7.8% 2017 7.4% 2016 6.7% 2015 8.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Data below for Kotak Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (28 Jan 26) ₹4,159.89 ↓ -0.70 (-0.02 %) Net Assets (Cr) ₹11,060 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 2.3 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7% Effective Maturity 4 Years 8 Months 8 Days Modified Duration 3 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.7% 1 Year 6.5% 3 Year 6.8% 5 Year 6.6% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.7% 2021 4.6% 2020 7.8% 2019 4.9% 2018 0.9% 2017 7.3% 2016 5.8% 2015 6.8% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Data below for Nippon India Ultra Short Duration Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (28 Jan 26) ₹2,783.51 ↓ -0.19 (-0.01 %) Net Assets (Cr) ₹1,234 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 2.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.57% Effective Maturity 5 Months 24 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.6% 1 Year 6.5% 3 Year 6.9% 5 Year 5.6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.5% 2022 6.6% 2021 4.1% 2020 3% 2019 5.1% 2018 7.6% 2017 7.3% 2016 7.1% 2015 9.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Data below for Invesco India Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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Research Highlights for Aditya Birla Sun Life Savings Fund