অতি স্বল্পমেয়াদী তহবিল V/s স্থায়ী আমানত

Updated on January 23, 2026 , 10526 views

আপনি কি বিভ্রান্তযেখানে বিনিয়োগ করতে হবে স্বল্পমেয়াদী জন্য টাকা? আল্ট্রার মধ্যে নির্বাচন করার সময় আপনি কি বিভ্রান্ত হনস্বল্পমেয়াদী তহবিল এবং ফিক্সড ডিপোজিট? চিন্তা করবেন না, আপনার প্রশ্নের উত্তর এখানে দেওয়া হবে। অতি স্বল্প মেয়াদী তহবিল হল aপারস্পরিক তহবিল যে বিভাগ স্থির বিনিয়োগ করেআয় সংক্ষিপ্ত পরিপক্কতা সময়কাল আছে যন্ত্র. ফিক্সড ডিপোজিট বাFD অন্যদিকে, একটি বিনিয়োগের উপায় যেখানে লোকেরা একটি নির্দিষ্ট সময়সীমার জন্য একটি নির্দিষ্ট পরিমাণ অর্থ জমা করে এবং সুদের সাথে পরিপক্কতার সাথে তা ফেরত পায়। সুতরাং, আসুন দেখি আল্ট্রা শর্ট টার্ম ফান্ড এবং ফিক্সড ডিপোজিটের মধ্যে কোনটি বিনিয়োগ করা ভালো।

আল্ট্রা শর্ট টার্ম ফান্ড কি?

আল্ট্রা শর্ট টার্ম ফান্ড হল এক প্রকারঋণ তহবিল. এই স্কিমটি তার কর্পাস বিনিয়োগ করেনির্দিষ্ট আয় যেসব উপকরণের পরিপক্কতার মেয়াদ সাধারণত এর মধ্যে থাকে91 দিন থেকে 1 বছর. এই স্কিমটি উপরে একটি খাঁজ হিসাবে বিবেচিত হয়তরল তহবিল এবং যারা সামান্য বেশি ঝুঁকি নিতে ইচ্ছুক তারা অধিক রিটার্ন অর্জনের জন্য আল্ট্রা শর্ট টার্ম ফান্ডে বিনিয়োগ করতে পারেন।

ফিক্সড ডিপোজিট কি?

ফিক্সড ডিপোজিট বা FD হল বিনিয়োগের একটি ঐতিহ্যবাহী উৎস যেখানে লোকেদের একটি নির্দিষ্ট মেয়াদের জন্য নির্দিষ্ট পরিমাণ অর্থ জমা রাখতে হয়। বিনিয়োগকৃত এই অর্থ সুদ অর্জন করে। এটি স্বল্পমেয়াদী পাশাপাশি দীর্ঘমেয়াদী মেয়াদের জন্য একটি ভাল বিনিয়োগের পথ বেছে নেওয়া যেতে পারে। FD-এর সুদের হার পূর্বনির্ধারিত এবং এর রিটার্ন বিনিয়োগকারীদের হাতে করযোগ্য।

আল্ট্রা শর্ট টার্ম ফান্ড বা ফিক্সড ডিপোজিট: কোনটি ভালো?

যেহেতু উভয় বিনিয়োগের পথেরই নিজস্ব বৈশিষ্ট্য এবং বৈশিষ্ট্য রয়েছে, তাই আসুন বিভিন্ন পরামিতির উপর ভিত্তি করে কোন বিনিয়োগের পথটি সেরা তা পরীক্ষা করা যাক।

ন্যূনতম বিনিয়োগ

ফিক্সড ডিপোজিটের ক্ষেত্রে ন্যূনতম বিনিয়োগের রেঞ্জ এর মধ্যে₹1,000- ₹10,000 উপর নির্ভর করেব্যাংক. তবে আল্ট্রা শর্ট টার্ম ফান্ডের ক্ষেত্রে ন্যূনতম বিনিয়োগ হয়₹500 এর মাধ্যমেচুমুক বিনিয়োগের মোড এবংএকমুঠো বিনিয়োগের মাধ্যমে ₹1,000.

সুদের হার

সুদের হারের ক্ষেত্রে, FD-এর একটি পূর্বনির্ধারিত সুদের হার থাকে যা নির্দিষ্ট সময়ের সাথে পরিবর্তিত হয় না। যাইহোক, আল্ট্রা শর্ট টার্ম ফান্ডের ক্ষেত্রে, স্কিমের কর্মক্ষমতার উপর নির্ভর করে আয় পরিবর্তনশীল। বর্তমানে, FY 2017-18 অনুযায়ী, FD রেটপরিসর বিনিয়োগ এক বছরের জন্য রাখা হলে আনুমানিক 6%-7% এর মধ্যে। যাইহোক, আল্ট্রা শর্ট টার্ম ফান্ডের ক্ষেত্রে, যদি এক বছরের জন্য বিনিয়োগ রাখা হয় তবে রিটার্ন প্রায় 7% এর বেশি হয়।

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মেয়াদ

এফডিগুলি স্বল্প এবং দীর্ঘমেয়াদী উভয় মেয়াদের জন্য বিনিয়োগ হিসাবে ব্যবহার করা যেতে পারে। কারণ এটি ঐতিহ্যবাহী বিনিয়োগের পথ হিসেবে বিবেচিত হয়। অপরদিকে,আল্ট্রা শর্ট টার্ম ফান্ড সাধারণত, একটি স্বল্পমেয়াদী বিনিয়োগ মেয়াদের জন্য ব্যবহৃত হয়। যাদের মধ্যে অতিরিক্ত তহবিল রয়েছেসঞ্চয় অ্যাকাউন্ট আরও উপার্জনের জন্য এই স্কিমে বিনিয়োগ করতে বেছে নিতে পারেন। বিনিয়োগের সময়কালে, লোকেরা স্থায়ী আমানত থেকে তাদের তহবিল উত্তোলন করতে পারে না। এমনকি যদি তাদের উত্তোলনের প্রয়োজন হয় তবে তাদের ব্যাঙ্কে নির্দিষ্ট নির্দিষ্ট চার্জ দিতে হবে। অন্যদিকে, মানুষবিনিয়োগ আল্ট্রা শর্ট টার্ম ফান্ডে তাদের টাকা ফিক্সড ডিপোজিটের তুলনায় সহজেই তাদের টাকা তুলতে পারে। অনেক স্কিমে, বিনিয়োগকারীদের সময় কোনো এক্সিট লোড দিতে হয় নামুক্তি.

ঝুকিপুন্ন ক্ষুধা

এফডিগুলিকে ঝুঁকিমুক্ত বিনিয়োগের উপায় হিসাবে বিবেচনা করা হয় যেখানে; আমানত নিরাপদ বলে মনে করা হয়। বিপরীতে, যারা আল্ট্রা শর্ট টার্ম ফান্ডে বিনিয়োগ করতে পছন্দ করে তারা উচ্চ রিটার্ন অর্জনের জন্য সামান্য উচ্চ স্তরের ঝুঁকি নিতে সক্ষম হয়।

তারল্য

দ্যতারল্য অতি স্বল্পমেয়াদী তহবিলের ক্ষেত্রে স্থায়ী আমানতের তুলনায় বেশি। একটি স্থায়ী আমানতের তুলনায় এই স্কিমগুলি থেকে অর্থ উত্তোলন করা তুলনামূলকভাবে সহজ।

ট্যাক্সেশন

অতি স্বল্প-মেয়াদী তহবিল এবং স্থায়ী আমানত উভয়ের জন্য কর বিধি ভিন্ন। স্থায়ী আমানতের উপর অর্জিত সুদের ক্ষেত্রে, টাকা যোগ করা হয়বিনিয়োগকারীএর আয় এবং ব্যক্তির নিয়মিত ট্যাক্স স্ল্যাব অনুযায়ী কর দেওয়া হয়। যাইহোক, অতি স্বল্পমেয়াদী তহবিলের ক্ষেত্রে অর্জিত আয় ঋণ তহবিল অনুযায়ী করযোগ্য। নিয়ম অনুযায়ী, অতি স্বল্পমেয়াদী তহবিলে বিনিয়োগ তিন বছরের বেশি হলে দীর্ঘমেয়াদীমূলধন লাভ প্রযোজ্য যখন মেয়াদ তিন বছরের কম হয়, তাহলে স্বল্পমেয়াদী মূলধন লাভ প্রযোজ্য। দীর্ঘমেয়াদী ক্ষেত্রেমূলধন অর্জন, এটি সূচীকরণ সুবিধার সাথে 20% হারে ট্যাক্স করা হয় এবং স্বল্পমেয়াদী মূলধন লাভের জন্য, এটি আয়ের সাথে যোগ করা হয় এবং ব্যক্তির স্ল্যাব হার অনুযায়ী কর দেওয়া হয়।

নীচে দেওয়া সারণীটি অতি স্বল্পমেয়াদী তহবিল এবং স্থায়ী আমানতের মধ্যে তুলনার সারসংক্ষেপ করে।

পরামিতি	অতি স্বল্পমেয়াদী তহবিল	ফিক্সড ডিপোজিট
রিটার্নস	স্কিমের কর্মক্ষমতা অনুযায়ী পরিবর্তিত হয়	পূর্বনির্ধারিত
ন্যূনতম বিনিয়োগ	SIP-এ ₹500 এবং Lumpsum-এ ₹1,000 দিয়ে শুরু	₹1,000-₹10,000 এর মধ্যে রেঞ্জ
মেয়াদ	সাধারণত স্বল্পমেয়াদী জন্য ব্যবহৃত	স্বল্প এবং দীর্ঘমেয়াদী উভয় মেয়াদ
ঝুঁকি	প্রান্তিকভাবে উচ্চ	কম
তারল্য	উচ্চ	কম
ট্যাক্সেশন	স্বল্পমেয়াদী: ব্যক্তির স্ল্যাব হার অনুযায়ী কর ধার্যদীর্ঘ মেয়াদী: 20% হারে ট্যাক্স করা হয়েছে এবং কর সুবিধা ছিল	ব্যক্তির স্ল্যাব হার অনুযায়ী কর ধার্য

10 সেরা পারফর্মিং আল্ট্রা শর্ট টার্ম ফান্ড

1. IDBI Ultra Short Term Fund

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

Research Highlights for IDBI Ultra Short Term Fund

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

Below is the key information for IDBI Ultra Short Term Fund

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

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,395
31 Dec 22	₹10,864

IDBI Ultra Short Term Fund SIP Returns

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

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

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

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Top quartile AUM (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.88% (top quartile).
1M return: 0.36% (upper mid).
Sharpe: 2.94 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.82% (top quartile).
Modified duration: 0.47 yrs (lower mid).
Average maturity: 0.61 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~64%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.9%).

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 (23 Jan 26)	₹28.628 ↑ 0.00 (0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,400
31 Dec 22	₹10,873
31 Dec 23	₹11,624
31 Dec 24	₹12,495
31 Dec 25	₹13,380

ICICI Prudential Ultra Short Term Fund SIP Returns

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

Returns for ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.9%
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
Manish Banthia	15 Nov 16	9.13 Yr.
Ritesh Lunawat	15 Jun 17	8.55 Yr.

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

Asset Allocation

Asset Class	Value
Cash	63.83%
Debt	35.9%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.79%
Cash Equivalent	31.87%
Government	3.07%

Credit Quality

Rating	Value
AA	17.57%
AAA	82.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹662 Cr	66,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	4%	₹613 Cr	60,843,000 ↓ -1,842,100
364 DTB 15012026 Sovereign Bonds \| -	3%	₹499 Cr	50,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹450 Cr	450
Vedanta Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Piramal Finance Limited Debentures \| -	2%	₹277 Cr	27,500
AU Small Finance Bank Ltd. Debentures \| -	1%	₹234 Cr	5,000 ↑ 5,000
Power Finance Corporation Limited Debentures \| -	1%	₹230 Cr	2,300
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

3. 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 (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.13% (top quartile).
1M return: 0.37% (upper mid).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.53 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~48%).
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 (23 Jan 26)	₹567.236 ↑ 0.15 (0.03 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,389
31 Dec 22	₹10,884
31 Dec 23	₹11,664
31 Dec 24	₹12,580
31 Dec 25	₹13,510

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.3%
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
Sunaina Cunha	20 Jun 14	11.54 Yr.
Kaustubh Gupta	15 Jul 11	14.48 Yr.
Monika Gandhi	22 Mar 21	4.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.86%
Debt	51.91%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	53.86%
Cash Equivalent	29.6%
Government	16.31%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹615 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹547 Cr	54,000
Nirma Limited Debentures \| -	2%	₹486 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000 ↑ 5,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	1%	₹352 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹347 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

4. UTI Ultra Short Term Fund

(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.

Research Highlights for UTI Ultra Short Term Fund

Lower mid AUM (₹3,655 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.42% (lower mid).
1M return: 0.34% (lower mid).
Sharpe: 1.85 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~42%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~8.0%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (23 Jan 26)	₹4,370.36 ↑ 0.29 (0.01 %)
Net Assets (Cr)	₹3,655 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	6 Months 24 Days
Modified Duration	5 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,610
31 Dec 22	₹11,058
31 Dec 23	₹11,802
31 Dec 24	₹12,653
31 Dec 25	₹13,495

UTI Ultra Short Term Fund SIP Returns

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

Returns for UTI 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 28 Jul 23

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.6%
1 Year	6.4%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.14 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	41.94%
Debt	57.71%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	60.02%
Government	22.37%
Cash Equivalent	17.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	8%	₹293 Cr	3,000,000,000 ↑ 3,000,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹201 Cr	20,000
Tbill Sovereign Bonds \| -	4%	₹148 Cr	1,500,000,000 ↑ 1,500,000,000
Shriram Finance Limited Debentures \| -	3%	₹101 Cr	10,000
TATA Communications Limited Debentures \| -	3%	₹100 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000
DBS Bank India Ltd. Debentures \| -	3%	₹99 Cr	1,000,000,000
Piramal Finance Limited Debentures \| -	2%	₹86 Cr	8,500 ↑ 3,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹75 Cr	750

5. Motilal Oswal Ultra Short Term Fund

(Erstwhile Motilal Oswal MOSt Ultra Short Term Bond Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Ultra Short Term Fund

Bottom quartile AUM (₹513 Cr).
Established history (12+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.24% (bottom quartile).
1M return: 0.28% (bottom quartile).
Sharpe: -3.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.74% (upper mid).
Modified duration: 0.42 yrs (top quartile).
Average maturity: 0.45 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~14.2%).

Below is the key information for Motilal Oswal Ultra Short Term Fund

Motilal Oswal Ultra Short Term Fund Growth
Launch Date	6 Sep 13
NAV (23 Jan 26)	₹16.9121 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹513 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-3.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.74%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,237
31 Dec 22	₹10,606
31 Dec 23	₹11,220
31 Dec 24	₹11,895
31 Dec 25	₹12,544

Motilal Oswal Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Motilal Oswal 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 28 Jul 23

Duration	Returns
1 Month	0.3%
3 Month	1%
6 Month	2.3%
1 Year	5.2%
3 Year	5.7%
5 Year	4.6%
10 Year
15 Year
Since launch	4.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	6%
2022	5.8%
2021	3.6%
2020	2.4%
2019	4.3%
2018	6.2%
2017	-8.1%
2016	5.5%
2015	6.4%

Fund Manager information for Motilal Oswal Ultra Short Term Fund

Name	Since	Tenure
Rakesh Shetty	22 Nov 22	3.11 Yr.

Data below for Motilal Oswal Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	71.29%
Debt	28.41%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	37.95%
Government	33.2%
Cash Equivalent	28.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	14%	₹73 Cr	7,500,000 ↑ 7,500,000
364 DTB 12022026 Sovereign Bonds \| -	6%	₹30 Cr	3,000,000
T-Bill Sovereign Bonds \| -	5%	₹25 Cr	2,500,000
Bank of Baroda Debentures \| -	5%	₹24 Cr	2,500,000
India (Republic of) - \| -	5%	₹24 Cr	2,500,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹2 Cr	1,358 ↑ 1,358
Punjab National Bank Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Muthoot Finance Limited Commercial Paper \| -	5%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Kotak Mahindra Prime Limited Commercial Paper \| -	5%	₹25 Cr	2,500,000

6. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

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

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.63% (upper mid).
1M return: 0.37% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~55%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Housing Finance Limited (~4.5%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (23 Jan 26)	₹44.25 ↑ 0.00 (0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,321
31 Dec 22	₹10,781
31 Dec 23	₹11,515
31 Dec 24	₹12,349
31 Dec 25	₹13,191

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.7%
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
Deepak Agrawal	15 Apr 08	17.73 Yr.
Manu Sharma	1 Nov 22	3.17 Yr.

Data below for Kotak Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	54.54%
Debt	45.14%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	55.15%
Cash Equivalent	24.34%
Government	20.19%

Credit Quality

Rating	Value
AA	10.42%
AAA	89.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	5%	₹644 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹581 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹572 Cr	57,050 ↑ 50
Rec Limited Debentures \| -	3%	₹476 Cr	47,500
India (Republic of) - \| -	2%	₹319 Cr	32,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹307 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹302 Cr	30,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹245 Cr	25,000,000
Bank of Baroda Debentures \| -	2%	₹244 Cr	25,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	2%	₹227 Cr	22,500,000

7. 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

Lower mid AUM (₹1,234 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.63% (upper mid).
1M return: 0.35% (lower mid).
Sharpe: 2.41 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (lower mid).
Modified duration: 0.46 yrs (lower mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~8.0%).

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 (23 Jan 26)	₹2,781.89 ↑ 0.46 (0.02 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,303
31 Dec 22	₹10,726
31 Dec 23	₹11,436
31 Dec 24	₹12,291
31 Dec 25	₹13,131

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 28 Jul 23

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.6%
1 Year	6.6%
3 Year	6.9%
5 Year	5.6%
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
Krishna Cheemalapati	4 Jan 20	6 Yr.
Vikas Garg	27 Jul 21	4.44 Yr.

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

Asset Allocation

Asset Class	Value
Cash	56.06%
Debt	43.61%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	60.05%
Government	26.17%
Cash Equivalent	13.46%

Credit Quality

Rating	Value
AA	16.37%
AAA	83.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	8%	₹99 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹50 Cr	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
07.86 KA Sdl 2027 Sovereign Bonds \| -	2%	₹26 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

8. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

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

Research Highlights for SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹14,639 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.79% (upper mid).
1M return: 0.39% (top quartile).
Sharpe: 2.90 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~4.7%).

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

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (23 Jan 26)	₹6,172.87 ↑ 0.73 (0.01 %)
Net Assets (Cr)	₹14,639 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,337
31 Dec 22	₹10,798
31 Dec 23	₹11,549
31 Dec 24	₹12,406
31 Dec 25	₹13,273

SBI Magnum Ultra Short Duration 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 Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.8%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7%
2023	7.4%
2022	7%
2021	4.5%
2020	3.4%
2019	5.9%
2018	8%
2017	7.9%
2016	6.6%
2015	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.63 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	68.52%
Debt	31.15%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	44.84%
Cash Equivalent	41.34%
Government	13.5%

Credit Quality

Rating	Value
AA	16.58%
AAA	83.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	5%	₹685 Cr	68,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹546 Cr	54,500
HDFC Bank Ltd. Debentures \| -	3%	₹493 Cr	10,000
Ntpc Limited Debentures \| -	2%	₹349 Cr	34,800
Canara Bank Domestic Bonds \| -	2%	₹297 Cr	6,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹255 Cr	255
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000
Bank of Baroda Debentures \| -	2%	₹248 Cr	5,000 ↓ -1,000
IDFC First Bank Ltd. Debentures \| -	2%	₹248 Cr	5,000
Treasury Bill Sovereign Bonds \| -	2%	₹239 Cr	25,000,000

9. DSP Money Manager Fund

"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."

Research Highlights for DSP Money Manager Fund

Upper mid AUM (₹3,972 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.44% (lower mid).
1M return: 0.29% (bottom quartile).
Sharpe: 1.58 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (upper mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Bank of Baroda (~5.0%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (23 Jan 26)	₹3,507.38 ↑ 0.15 (0.00 %)
Net Assets (Cr)	₹3,972 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	1.58
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,287
31 Dec 22	₹10,710
31 Dec 23	₹11,426
31 Dec 24	₹12,216
31 Dec 25	₹13,034

DSP Money Manager 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 DSP Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.3%
3 Month	1.1%
6 Month	2.5%
1 Year	6.4%
3 Year	6.7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	6.9%
2022	6.7%
2021	4.1%
2020	2.9%
2019	4.7%
2018	7.3%
2017	5%
2016	6%
2015	7.5%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.59 Yr.
Shalini Vasanta	1 Jan 25	1 Yr.

Data below for DSP Money Manager Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	47.3%
Debt	52.3%
Other	0.41%

Debt Sector Allocation

Sector	Value
Corporate	66.34%
Cash Equivalent	22.38%
Government	10.87%

Credit Quality

Rating	Value
AA	17.88%
AAA	82.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	5%	₹198 Cr	4,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹176 Cr	17,000 ↑ 2,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	4%	₹155 Cr	15,000,000
Godrej Properties Limited Debentures \| -	3%	₹130 Cr	12,500
Aadhar Housing Finance Limited Debentures \| -	3%	₹102 Cr	9,700
Piramal Finance Limited Debentures \| -	3%	₹102 Cr	10,000
Rec Limited Debentures \| -	2%	₹78 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	2%	₹78 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹77 Cr	7,500

10. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Ultra Short Term Fund

Bottom quartile AUM (₹457 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.19% (bottom quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 1.12 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.54 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding Other Current Assets (~12.1%).

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund Growth
Launch Date	14 Jul 08
NAV (23 Jan 26)	₹3,909.17 ↑ 0.31 (0.01 %)
Net Assets (Cr)	₹457 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.94
Sharpe Ratio	1.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	6 Months 13 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,263
31 Dec 22	₹10,666
31 Dec 23	₹11,344
31 Dec 24	₹12,114
31 Dec 25	₹12,898

Canara Robeco 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 Canara Robeco 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 28 Jul 23

Duration	Returns
1 Month	0.3%
3 Month	1.1%
6 Month	2.4%
1 Year	6.2%
3 Year	6.5%
5 Year	5.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	6.8%
2022	6.4%
2021	3.9%
2020	2.6%
2019	4.5%
2018	6.6%
2017	6.1%
2016	5.7%
2015	7.3%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.76 Yr.
Kunal Jain	16 Sep 24	1.29 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	50.42%
Debt	49.2%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	64.16%
Cash Equivalent	18.38%
Government	17.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	11%	₹50 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	11%	₹49 Cr	4,900
Kotak Mahindra Prime Limited Debentures \| -	6%	₹25 Cr	2,500 ↑ 2,500
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	2,500
Power Finance Corporation Limited Debentures \| -	5%	₹25 Cr	250
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	250
Power Finance Corporation Limited Debentures \| -	4%	₹20 Cr	2,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	1%	₹5 Cr	500,000
CORPORATE DEBT MARKET DEVELOPMENT FUND CLASS A2 Investment Fund \| -	0%	₹2 Cr	1,529
Other Current Assets CBLO \| -	12%	₹55 Cr

এইভাবে, উপরে দেওয়া প্যারামিটারগুলি থেকে, আমরা উপসংহারে আসতে পারি যে আল্ট্রা শর্ট টার্ম ফান্ডগুলি স্থায়ী আমানতের তুলনায় একটি ভাল বিকল্প।

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।