অতি স্বল্পমেয়াদী তহবিল V/s স্থায়ী আমানত

Updated on August 1, 2026 , 10950 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. 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 (₹14,181 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.98% (lower mid).
1M return: 0.41% (upper mid).
Sharpe: 0.50 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.90% (top quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~54%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.9%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (03 Aug 26)	₹45.7382 ↑ 0.03 (0.07 %)
Net Assets (Cr)	₹14,181 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	0.5
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.9%
Effective Maturity	6 Months 4 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,342
31 Jul 23	₹11,012
31 Jul 24	₹11,782
31 Jul 25	₹12,648
31 Jul 26	₹13,398

Kotak 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 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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.2%
1 Year	6%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	18.31 Yr.
Manu Sharma	1 Nov 22	3.75 Yr.

Data below for Kotak Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	54.3%
Debt	45.39%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	60.1%
Government	20.04%
Cash Equivalent	19.54%

Credit Quality

Rating	Value
AA	18.3%
AAA	81.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹576 Cr	57,500
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹448 Cr	45,000,000
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹327 Cr	32,500,000
Mankind Pharma Limited Debentures \| -	2%	₹300 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹300 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹300 Cr	30,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹249 Cr	25,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹204 Cr	210
Vedanta Limited Debentures \| -	1%	₹201 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹200 Cr	20,000

2. 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

Upper mid AUM (₹10,200 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.13% (upper mid).
1M return: 0.39% (bottom quartile).
Sharpe: 0.85 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.83% (top quartile).
Modified duration: 0.42 yrs (upper mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.9%).

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 (03 Aug 26)	₹4,303.01 ↑ 2.96 (0.07 %)
Net Assets (Cr)	₹10,200 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.83%
Effective Maturity	7 Months 3 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,380
31 Jul 23	₹11,041
31 Jul 24	₹11,814
31 Jul 25	₹12,676
31 Jul 26	₹13,448

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.3%
1 Year	6.1%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.84 Yr.
Kinjal Desai	25 May 18	8.19 Yr.
Akshay Sharma	1 Dec 22	3.67 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	50.19%
Debt	49.51%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	65.17%
Cash Equivalent	26.46%
Government	8.07%

Credit Quality

Rating	Value
AA	33.27%
AAA	66.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹397 Cr	40,000,000
Nirma Limited Debentures \| -	3%	₹347 Cr	34,600 ↑ 5,000
India (Republic of) - \| -	3%	₹274 Cr	27,500,000
Tbill Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400
Small Industries Development Bank of India Debentures \| -	2%	₹201 Cr	4,300
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000
HDFC Bank Ltd. Debentures \| -	2%	₹197 Cr	4,000
Axis Bank Ltd. Debentures \| -	2%	₹191 Cr	4,000 ↑ 4,000

3. 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 (₹14,352 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.24% (upper mid).
1M return: 0.41% (upper mid).
Sharpe: 0.92 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower 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 (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.1%).

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 (03 Aug 26)	₹29.6298 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹14,352 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	0.92
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	7.79%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,372
31 Jul 23	₹11,053
31 Jul 24	₹11,851
31 Jul 25	₹12,748
31 Jul 26	₹13,537

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3.3%
1 Year	6.2%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.1%
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%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.71 Yr.
Ritesh Lunawat	15 Jun 17	9.13 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	78.34%
Debt	21.35%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	63.08%
Cash Equivalent	44.48%

Credit Quality

Rating	Value
AA	20.64%
AAA	79.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹494 Cr	50,000,000 ↑ 50,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹343 Cr	34,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹326 Cr	32,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
India (Republic of) - \| -	2%	₹296 Cr	30,000,000 ↑ 30,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹269 Cr	275 ↓ -25
Muthoot Finance Limited Debentures \| -	2%	₹251 Cr	25,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹242 Cr	5,000
Piramal Finance Limited Debentures \| -	1%	₹231 Cr	23,000

4. 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 (₹11,408 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.17% (upper mid).
1M return: 0.40% (lower mid).
Sharpe: 0.84 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.77% (upper mid).
Modified duration: 0.43 yrs (lower mid).
Average maturity: 0.71 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.9%).

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 (03 Aug 26)	₹6,384.52 ↑ 4.69 (0.07 %)
Net Assets (Cr)	₹11,408 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	0.84
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	8 Months 16 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,343
31 Jul 23	₹11,025
31 Jul 24	₹11,820
31 Jul 25	₹12,707
31 Jul 26	₹13,483

SBI Magnum 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 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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3.2%
1 Year	6.2%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7%
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	1.21 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	74.91%
Debt	24.68%
Other	0.41%

Debt Sector Allocation

Sector	Value
Corporate	59.61%
Cash Equivalent	24.13%
Government	15.85%

Credit Quality

Rating	Value
AA	19.04%
AAA	80.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹699 Cr	70,000,000
TATA Communications Limited Debentures \| -	5%	₹550 Cr	55,000
Muthoot Finance Limited Debentures \| -	3%	₹324 Cr	32,500 ↑ 10,000
Adani Power Limited Debentures \| -	3%	₹298 Cr	30,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹248 Cr	255
Muthoot Finance Limited Debentures \| -	2%	₹201 Cr	20,000
Oberoi Realty Limited Debentures \| -	1%	₹166 Cr	20,000
Eris Lifesciences Limited Debentures \| -	1%	₹150 Cr	15,000
7.03% Chhattisgarh Sdl 2026 Sovereign Bonds \| -	1%	₹150 Cr	15,000,000
TATA Motors Limited Debentures \| -	1%	₹150 Cr	1,500

5. 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 (₹3,146 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 5.89% (bottom quartile).
1M return: 0.42% (upper mid).
Sharpe: 0.43 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.61% (upper mid).
Modified duration: 0.34 yrs (top quartile).
Average maturity: 0.46 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~5.7%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (03 Aug 26)	₹4,516.77 ↑ 3.03 (0.07 %)
Net Assets (Cr)	₹3,146 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	5 Months 17 Days
Modified Duration	4 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,608
31 Jul 23	₹11,279
31 Jul 24	₹12,065
31 Jul 25	₹12,941
31 Jul 26	₹13,697

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.1%
1 Year	5.9%
3 Year	6.7%
5 Year	6.5%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.03 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	57.89%
Debt	41.73%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	58.23%
Government	20.9%
Cash Equivalent	20.49%

Credit Quality

Rating	Value
AA	24.75%
AAA	75.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹196 Cr	2,000,000,000 ↑ 2,000,000,000
Axis Bank Ltd. Debentures \| -	4%	₹144 Cr	1,500,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹100 Cr	1,000
Piramal Finance Limited Debentures \| -	3%	₹85 Cr	8,500
Nuvama Wealth Finance Limited Debentures \| -	2%	₹76 Cr	7,500
Godrej Properties Limited Debentures \| -	2%	₹75 Cr	7,500 ↑ 7,500
Bharti Telecom Limited Debentures \| -	2%	₹75 Cr	7,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500

6. 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 (₹1,002 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.06% (lower mid).
1M return: 0.39% (lower mid).
Sharpe: 0.68 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.53% (lower mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.43 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding 17/09/2026 Maturing 364 DTB (~4.6%).

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 (03 Aug 26)	₹2,879.03 ↑ 1.99 (0.07 %)
Net Assets (Cr)	₹1,002 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	5 Months 6 Days
Modified Duration	5 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,311
31 Jul 23	₹10,950
31 Jul 24	₹11,735
31 Jul 25	₹12,607
31 Jul 26	₹13,365

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3.3%
1 Year	6.1%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jul 26	0.08 Yr.
Vikas Garg	1 Jul 26	0.08 Yr.

Data below for Invesco India Ultra Short Term Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	88.56%
Debt	11.05%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	49.18%
Cash Equivalent	42.85%
Government	7.59%

Credit Quality

Rating	Value
AA	7.2%
AAA	92.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
17/09/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹50 Cr	5,000,000
Axis Bank Ltd. Debentures \| -	5%	₹49 Cr	5,000,000 ↓ -2,500,000
TVS Credit Services Limited Debentures \| -	4%	₹40 Cr	4,000,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹25 Cr	2,500,000
Indostar Capital Finance Limited Debentures \| -	2%	₹20 Cr	2,000,000 ↑ 2,000,000
Godrej Properties Limited Debentures \| -	1%	₹15 Cr	1,500,000 ↑ 1,500,000
Summit Digitel Infrastructure Limited Debentures \| -	1%	₹10 Cr	1,000,000
Pipeline Infrastructure Limited Debentures \| -	1%	₹10 Cr	1,000,000
Axis Bank Ltd. Debentures \| -	1%	₹10 Cr	1,000,000

7. 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 (₹17,816 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.30% (top quartile).
1M return: 0.44% (top quartile).
Sharpe: 0.91 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.45% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~67%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

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 (03 Aug 26)	₹587.285 ↑ 0.43 (0.07 %)
Net Assets (Cr)	₹17,816 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,383
31 Jul 23	₹11,089
31 Jul 24	₹11,914
31 Jul 25	₹12,876
31 Jul 26	₹13,681

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	33.37%
Debt	66.63%

Debt Sector Allocation

Sector	Value
Corporate	71.59%
Government	18.6%
Cash Equivalent	9.81%

Credit Quality

Rating	Value
AA	32.96%
AAA	67.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹842 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹729 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹608 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Indusind Bank Ltd. Debentures \| -	2%	₹345 Cr	7,100
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

8. BOI AXA Ultra Short Duration Fund

(Erstwhile BOI AXA Treasury Advantage Fund)

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for BOI AXA Ultra Short Duration Fund

Bottom quartile AUM (₹148 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.86% (bottom quartile).
1M return: 0.38% (bottom quartile).
Sharpe: 0.41 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.29% (bottom quartile).
Modified duration: 0.38 yrs (upper mid).
Average maturity: 0.38 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding Kotak Mahindra Bank Limited (~8.7%).

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (03 Aug 26)	₹3,367.15 ↑ 2.12 (0.06 %)
Net Assets (Cr)	₹148 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.97
Sharpe Ratio	0.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	4 Months 17 Days
Modified Duration	4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,333
31 Jul 23	₹10,970
31 Jul 24	₹11,666
31 Jul 25	₹12,479
31 Jul 26	₹13,204

BOI AXA 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 BOI AXA 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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.2%
1 Year	5.9%
3 Year	6.4%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	6.7%
2023	6.2%
2022	4.4%
2021	3.2%
2020	4.9%
2019	7.5%
2018	7.6%
2017	8%
2016	9.1%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.96 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	80.69%
Debt	18.99%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	48.68%
Cash Equivalent	36.93%
Government	14.07%

Credit Quality

Rating	Value
AA	7.92%
AAA	92.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Manappuram Finance Limited Debentures \| -	7%	₹11 Cr	1,100,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	7%	₹10 Cr	1,100,000
25/12/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹5 Cr	500,000
India (Republic of) - \| -	3%	₹5 Cr	500,000
Axis Bank Ltd. Debentures \| -	3%	₹4 Cr	400,000 ↑ 400,000
Small Industries Development Bank of India Debentures \| -	2%	₹4 Cr	400,000
Tbill Sovereign Bonds \| -	1%	₹2 Cr	175,000
08/10/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹1 Cr	79,600
Corporate Debt Market Development Fund # - \| -	0%	₹0 Cr	417
Kotak Mahindra Bank Limited Certificate of Deposit \| -	9%	₹14 Cr	1,400,000 ↑ 1,400,000

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

Lower mid AUM (₹3,905 Cr).
Established history (20+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.85% (bottom quartile).
1M return: 0.39% (bottom quartile).
Sharpe: 0.29 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.07% (bottom quartile).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.05 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~59%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~2.2%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (03 Aug 26)	₹3,627.52 ↑ 2.48 (0.07 %)
Net Assets (Cr)	₹3,905 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.29
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	18 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,302
31 Jul 23	₹10,934
31 Jul 24	₹11,688
31 Jul 25	₹12,535
31 Jul 26	₹13,262

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 3 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.2%
1 Year	5.9%
3 Year	6.7%
5 Year	5.8%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5.17 Yr.
Shalini Vasanta	1 Jan 25	1.58 Yr.

Data below for DSP Money Manager Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	58.99%
Debt	40.76%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	65.77%
Cash Equivalent	17.44%
Government	16.53%

Credit Quality

Rating	Value
AA	22.76%
AAA	77.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	2%	₹99 Cr	10,000,000
Axis Bank Ltd. Debentures \| -	2%	₹97 Cr	2,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹80 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹76 Cr	7,500
5.74% Govt Stock 2026 Sovereign Bonds \| -	2%	₹76 Cr	7,500,000
Piramal Finance Limited Debentures \| -	1%	₹59 Cr	5,500 ↓ -1,000
Nuvama Wealth Finance Limited Debentures \| -	1%	₹54 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹53 Cr	5,000 ↑ 2,500
Nuvama Wealth And Investment Limited Debentures \| -	1%	₹53 Cr	5,000
8.24% Govt Stock 2027 Sovereign Bonds \| -	1%	₹52 Cr	5,000,000

10. 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% (top quartile).
1M return: 0.52% (top quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom 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

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 3 Aug 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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

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।