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SWP Calculator -- Systematic Withdrawal Plan Calculator

Updated on May 10, 2021 , 8009 views

SWP Calculator is a tool that helps individuals to calculate how their SWP investment will be over the tenure. SWP or Systematic Withdrawal Plan is a technique of redeeming the units or investment in Mutual Funds. In SWP, individuals invest their money in a Mutual Fund scheme and then withdraw their investments over a given tenure. SWP is generally suitable for individuals who are looking for a fixed Income over a regular tenure. The article gives you a holistic understanding of the concept of Systematic Withdrawal Plan, how does the SWP calculator work, and other related parameters.

What does SWP in Mutual Fund Mean?

Systematic Withdrawal Plan or SWP in Mutual Funds refers to a systematic and planned process of redeeming the units of Mutual Fund investment. The concept of SWP works in the reverse manner of SIP. In SWP, individuals invest a lump sum amount in Mutual Fund schemes that generally carry a low risk-appetite, like Liquid Funds or ultra short-term funds. The individuals then start to withdraw the invested amount at regular intervals. Individuals can customize their frequency of withdrawal such as monthly, quarterly, annually, and so on, based on their requirements. In this case, the money invested in Mutual Funds also fetches revenue for the individuals. Individuals, especially retired ones, who are looking for a regular source of income can choose to opt for Systematic Withdrawal Plan by investing in Mutual Funds.

SWP Mutual Fund Calculator

SWP Calculator helps individuals to estimate their withdrawals in Mutual Fund investment over a given tenure. The input data that is required to be entered in the SWP calculator includes:

SWP Calulator

  1. SWP/Withdrawal Amount - It refers to the fixed withdrawal amount that you are planning to withdraw at regular intervals.
  2. Initial Investment - Initial investment refers to the lump sum amount that you wish to invest in the Mutual Fund scheme.
  3. Withdrawal Frequency - Withdrawal frequency, refers to the timeframe at which you would like to withdraw your investment. This can be either monthly, weekly, or quarterly. generally calculations are done for monthly.
  4. Expected Rate of Returns - It means the returns that you are expecting on your investment.

So, let us have a detailed understand the concept of SWP calculator with an illustration.

Sample Illustration

  1. Initial Investment Amount - INR 1,20,000
  2. SWP Amount - INR 10,000
  3. Withdrawal Tenure - 12 Months
  4. Expected Rate of Return - 7%

The calculation of the SWP table is given below as follows.

Month Balance at the Beginning of the Month (INR) Redemption Amount (INR) Interest Earned (INR) Balance at the End of the Month (INR)
1 1,20,000 10,000 642 1,10,642
2 1,10,642 10,000 587 1,01,229
3 1,01,229 10,000 532 91,761
4 91,761 10,000 477 82,238
5 82,238 10,000 421 72,659
6 72,659 10,000 366 63,025
7 63,025 10,000 309 53,334
8 53,334 10,000 253 43,587
9 43,587 10,000 196 33,783
10 33,783 10,000 139 23,921
11 23,921 10,000 81 14,003
12 14,003 10,000 23 4,026

Thus, from the above table, it can be said that the profit earned of Mutual Fund scheme by way of SWP transaction is INR 4,026.

SWP Calculator

Investment Corpus Amount:
Expected Returns (% pa):
%
Withdrawal Amount:
Per Month
Withdrawal Tenure:
Years

VALUE AT END OF TENOR:₹4,597

Benefits of Systematic Withdrawal Plan

Some of the major benefits of SWP are as follows.

Regular Income Flow

One of the primary advantages of SWP is that individuals can use Systematic Withdrawal Plan as a source of regular income. This is because the amount withdrawn remains constant.

Disciplined Withdrawal Habit

SWP creates a disciplined withdrawal habit among individuals as only a fixed amount is withdrawn and the remaining money is kept invested in Mutual Funds. This prevents Capital erosion on investment. Also, the investment in Mutual Funds generates returns.

Substitute for Pension

SWP acts as a substitute for pension in case of retired individuals. Retirees can assure themselves for regular income through SWP.

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Best SWP Mutual Funds for 2021

SWP is generally done in Mutual Fund schemes that carry a low level of risk like liquid funds. Therefore, some of the best Mutual Fund schemes under liquid / ultrashort category having net assets higher than 1000 crore are listed below as follows.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2020 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹30.1837
↑ 0.02
₹5,2282.64.29.37.648.76%1M 28D11M 4D
ICICI Prudential Ultra Short Term Fund Growth ₹21.6746
↑ 0.00
₹8,2881.12.16.17.16.54.92%4M 20D5M 12D
Aditya Birla Sun Life Savings Fund Growth ₹424.944
↑ 0.05
₹16,0981.226.17.474.27%6M 11D7M 2D
Kotak Savings Fund Growth ₹33.8586
↑ 0.00
₹11,1800.91.64.66.65.83.77%5M 5D5M 12D
SBI Magnum Ultra Short Duration Fund Growth ₹4,696.31
↑ 0.39
₹9,0070.91.74.66.85.93.82%5M 12D5M 16D
UTI Ultra Short Term Fund Growth ₹3,271.44
↓ -0.07
₹1,9090.81.84.54.85.34.07%4M 28D4M 30D
DSP BlackRock Money Manager Fund Growth ₹2,715.46
↑ 0.26
₹3,4710.81.43.65.34.70%
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 21

1. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.6% since its launch.  Return for 2020 was 4% , 2019 was 9.6% and 2018 was 8.7% .

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth
Launch Date 18 Dec 07
NAV (12 May 21) ₹30.1837 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹5,228 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.52
Sharpe Ratio 4.7
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 8.76%
Effective Maturity 11 Months 4 Days
Modified Duration 1 Month 28 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,940
30 Apr 18₹11,796
30 Apr 19₹12,911
30 Apr 20₹13,445
30 Apr 21₹14,684

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21

DurationReturns
1 Month 1.2%
3 Month 2.6%
6 Month 4.2%
1 Year 9.3%
3 Year 7.6%
5 Year 8%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4%
2019 9.6%
2018 8.7%
2017 8.2%
2016 9.7%
2015 9.7%
2014 10%
2013 10%
2012 10.3%
2011 9.4%
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure
Santosh Kamath25 Oct 182.52 Yr.
Pallab Roy1 Jun 0812.92 Yr.

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash36.85%
Debt63.15%
Debt Sector Allocation
SectorValue
Corporate63.15%
Cash Equivalent36.85%
Credit Quality
RatingValue
A38.18%
AA61.76%
AAA0.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Overnight Fund Dir Gr
Investment Fund | -
23%₹1,228 Cr3,664,186
↑ 3,664,186
JM Financial Credit Solutions Limited
Debentures | -
10%₹530 Cr5,400
Indostar Capital Finance Limited
Debentures | -
8%₹441 Cr4,400
Edelweiss Commodities Services Limited
Debentures | -
7%₹371 Cr7,500
Edelweiss Commodities Services Limited
Debentures | -
7%₹359 Cr3,650
Tata Realty and Infrastructure Limited
Debentures | -
5%₹238 Cr2,000
Clix Capital Services Private Limited
Debentures | -
4%₹235 Cr2,350
Clix Capital Services Private Limited
Debentures | -
4%₹200 Cr2,000
PNB Housing Finance Limited
Debentures | -
4%₹192 Cr1,910
Indostar Capital Finance Limited
Debentures | -
2%₹130 Cr1,301
↑ 1,301

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.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2020 was 6.5% , 2019 was 8.4% and 2018 was 7.5% .

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 (12 May 21) ₹21.6746 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹8,288 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.96
Sharpe Ratio 1.97
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 4.92%
Effective Maturity 5 Months 12 Days
Modified Duration 4 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,904
30 Apr 18₹11,645
30 Apr 19₹12,561
30 Apr 20₹13,477
30 Apr 21₹14,331

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
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 12 May 21

DurationReturns
1 Month 0.4%
3 Month 1.1%
6 Month 2.1%
1 Year 6.1%
3 Year 7.1%
5 Year 7.4%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
2014 14.8%
2013 3.1%
2012 9.4%
2011
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 164.46 Yr.
Ritesh Lunawat15 Jun 173.88 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash44.31%
Debt55.69%
Debt Sector Allocation
SectorValue
Corporate56.5%
Cash Equivalent29.44%
Government14.06%
Credit Quality
RatingValue
A2.84%
AA39.48%
AAA57.68%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 19082021
Sovereign Bonds | -
7%₹617 Cr62,500,000
REC Limited
Debentures | -
3%₹288 Cr2,850
Reliance Ports and Terminals Limited
Debentures | -
2%₹207 Cr2,019
Manappuram Finance Limited
Debentures | -
2%₹204 Cr2,000
8.79% Govt Stock 2021
Sovereign Bonds | -
2%₹155 Cr15,000,000
↑ 15,000,000
Housing Development Finance Corporation Limited
Debentures | -
2%₹152 Cr1,500
Tata Value Homes Limited
Debentures | -
2%₹150 Cr1,500
Motilal Oswal Home Finance Limited
Debentures | -
2%₹150 Cr1,500
↑ 1,500
Tata Realty and Infrastructure Limited
Debentures | -
2%₹149 Cr1,250
Power Finance Corporation Limited
Debentures | -
2%₹137 Cr1,350

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.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2020 was 7% , 2019 was 8.5% and 2018 was 7.6% .

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 (12 May 21) ₹424.944 ↑ 0.05   (0.01 %)
Net Assets (Cr) ₹16,098 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.39
Sharpe Ratio 2.21
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 4.27%
Effective Maturity 7 Months 2 Days
Modified Duration 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,851
30 Apr 18₹11,602
30 Apr 19₹12,565
30 Apr 20₹13,494
30 Apr 21₹14,372

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
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 12 May 21

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2%
1 Year 6.1%
3 Year 7.4%
5 Year 7.5%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
2014 9.7%
2013 9.5%
2012 9.7%
2011 9.2%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha11 Oct 146.56 Yr.
Kaustubh Gupta15 Jul 119.8 Yr.
Monika Gandhi22 Mar 210.11 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash39.67%
Debt60.33%
Debt Sector Allocation
SectorValue
Corporate52.4%
Government28.55%
Cash Equivalent18.98%
Securitized0.07%
Credit Quality
RatingValue
AA10.19%
AAA89.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
13%₹2,021 Cr196,100,000
↑ 135,600,000
Citicorp Finance (India) Limited
Debentures | -
3%₹500 Cr5,000
↑ 5,000
364 DTB 07052021
Sovereign Bonds | -
3%₹498 Cr50,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹400 Cr4,000
8.83% Govt Stock 2023
Sovereign Bonds | -
2%₹334 Cr30,500,000
REC Limited
Debentures | -
2%₹329 Cr3,200
Rural Electrification Corporation Limited
Debentures | -
2%₹320 Cr3,150
Muthoot Finance Limited
Debentures | -
1%₹241 Cr2,350
Housing Development Finance Corporation Limited
Debentures | -
1%₹238 Cr2,362
↓ -250
Rural Electrification Corporation Limited
Debentures | -
1%₹229 Cr2,250

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.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 44 in Ultrashort Bond category.  Return for 2020 was 5.8% , 2019 was 7.8% and 2018 was 7.4% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (12 May 21) ₹33.8586 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹11,180 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.48
Sharpe Ratio 1.77
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 3.77%
Effective Maturity 5 Months 12 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,780
30 Apr 18₹11,489
30 Apr 19₹12,392
30 Apr 20₹13,280
30 Apr 21₹13,926

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 12 May 21

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 1.6%
1 Year 4.6%
3 Year 6.6%
5 Year 6.8%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2020 5.8%
2019 7.8%
2018 7.4%
2017 6.7%
2016 8.2%
2015 8.6%
2014 9.4%
2013 8.9%
2012 9.6%
2011 9.2%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0813.05 Yr.

Data below for Kotak Savings Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash53.03%
Debt46.97%
Debt Sector Allocation
SectorValue
Corporate38.61%
Cash Equivalent30.77%
Government30.62%
Credit Quality
RatingValue
AA4.88%
AAA95.12%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
15%₹1,713 Cr166,269,250
↑ 166,269,250
6.17% Govt Stock 2021
Sovereign Bonds | -
8%₹943 Cr93,500,000
↑ 93,500,000
182 DTB 03062021
Sovereign Bonds | -
7%₹825 Cr83,000,000
↓ -76,500,000
Housing Development Finance Corporation Limited
Debentures | -
4%₹482 Cr4,750
Housing Development Finance Corporation Limited
Debentures | -
2%₹279 Cr2,750
Rural Electrification Corporation Limited
Debentures | -
2%₹241 Cr2,350
↑ 300
Muthoot Finance Limited
Debentures | -
2%₹203 Cr2,000,000
Bajaj Finance Limited
Debentures | -
2%₹200 Cr2,000
7.94% Govt Stock 2021
Sovereign Bonds | -
2%₹176 Cr17,500,000
↓ -3,750,000
Bharti Telecom Limited
Debentures | -
1%₹156 Cr1,500

5. 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.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch.  Return for 2020 was 5.9% , 2019 was 8% and 2018 was 7.9% .

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 (12 May 21) ₹4,696.31 ↑ 0.39   (0.01 %)
Net Assets (Cr) ₹9,007 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.52
Sharpe Ratio 1.93
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 3.82%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,709
30 Apr 18₹11,432
30 Apr 19₹12,377
30 Apr 20₹13,286
30 Apr 21₹13,939

SBI Magnum Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 12 May 21

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 1.7%
1 Year 4.6%
3 Year 6.8%
5 Year 6.8%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2020 5.9%
2019 8%
2018 7.9%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9%
2013 9.3%
2012 9.3%
2011 8.7%
Fund Manager information for SBI Magnum Ultra Short Duration Fund
NameSinceTenure
Rajeev Radhakrishnan1 May 1011.01 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash50.2%
Debt49.8%
Debt Sector Allocation
SectorValue
Corporate38.88%
Government35.41%
Cash Equivalent25.7%
Credit Quality
RatingValue
AA2.13%
AAA97.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Rural Electrification Corporation Limited
Debentures | -
7%₹635 Cr6,250
8.79% Govt Stock 2021
Sovereign Bonds | -
6%₹515 Cr50,000,000
↑ 50,000,000
8.20% Govt Stock 2022
Sovereign Bonds | -
5%₹415 Cr40,000,000
Mahindra & Mahindra Financial Services Limited
Debentures | -
4%₹382 Cr3,000
05.54 MP SDL 2021
Sovereign Bonds | -
3%₹298 Cr29,500,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹234 Cr2,300
Housing Development Finance Corporation Limited
Debentures | -
3%₹228 Cr2,250
06.10 KA SDL 2021
Sovereign Bonds | -
2%₹219 Cr21,509,800
Muthoot Finance Limited
Debentures | -
2%₹190 Cr1,880,000
GOI Floating Rate Bond 2024
Sovereign Bonds | -
2%₹186 Cr18,800,000

6. 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.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2020 was 5.3% , 2019 was 3.3% and 2018 was 7% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (12 May 21) ₹3,271.44 ↓ -0.07   (0.00 %)
Net Assets (Cr) ₹1,909 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio 2.74
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,500
Exit Load NIL
Yield to Maturity 4.07%
Effective Maturity 4 Months 30 Days
Modified Duration 4 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,819
30 Apr 18₹11,508
30 Apr 19₹12,351
30 Apr 20₹12,665
30 Apr 21₹13,259

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
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 12 May 21

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.8%
1 Year 4.5%
3 Year 4.8%
5 Year 5.8%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2020 5.3%
2019 3.3%
2018 7%
2017 6.6%
2016 8.9%
2015 8.5%
2014 8.8%
2013 9.8%
2012 9%
2011 8.2%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Sudhir Agarwal1 Jul 155.84 Yr.
Ritesh Nambiar1 Jul 155.84 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash51.91%
Debt48.09%
Debt Sector Allocation
SectorValue
Corporate48.47%
Government30.64%
Cash Equivalent20.88%
Credit Quality
RatingValue
A5.94%
AA13.48%
AAA80.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.17% Govt Stock 2021
Sovereign Bonds | -
12%₹232 Cr2,300,000,000
364 DTB 29072021
Sovereign Bonds | -
5%₹99 Cr1,000,000,000
Avanse Financial Services Limited
Debentures | -
3%₹65 Cr650
Reliance Industries Limited
Debentures | -
3%₹52 Cr500
Housing Development Finance Corporation Limited
Debentures | -
3%₹51 Cr500
Power Finance Corporation Limited
Debentures | -
3%₹51 Cr500
REC Limited
Debentures | -
3%₹50 Cr500
↑ 500
Tata Capital Housing Finance Limited
Debentures | -
3%₹50 Cr500
Shriram Transport Finance Company Limited
Debentures | -
2%₹42 Cr330
National Bank For Agriculture and Rural Development
Debentures | -
2%₹41 Cr400

7. DSP BlackRock 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."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2020 was 4.7% , 2019 was 7.3% and 2018 was 5% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (12 May 21) ₹2,715.46 ↑ 0.26   (0.01 %)
Net Assets (Cr) ₹3,471 on 31 Mar 21
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.98
Sharpe Ratio 0.51
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,704
30 Apr 18₹11,356
30 Apr 19₹11,965
30 Apr 20₹12,767
30 Apr 21₹13,258

DSP BlackRock Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 BlackRock 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 12 May 21

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.4%
1 Year 3.6%
3 Year 5.3%
5 Year 5.8%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.7%
2019 7.3%
2018 5%
2017 6%
2016 7.5%
2015 7.9%
2014 8.8%
2013 9.2%
2012 8.9%
2011 8.5%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Kedar Karnik17 Jul 164.79 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash57.01%
Debt42.99%
Debt Sector Allocation
SectorValue
Corporate37.31%
Cash Equivalent34.32%
Government28.37%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
10%₹362 Cr34,000,000
↑ 24,000,000
National Highways Authority of India
Debentures | -
8%₹276 Cr2,650
↑ 2,650
Power Finance Corporation Limited
Debentures | -
4%₹148 Cr1,400
LIC Housing Finance Limited
Debentures | -
4%₹127 Cr1,200
Small Industries Development Bank of India
Debentures | -
3%₹108 Cr1,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹104 Cr1,000
↑ 1,000
Power Finance Corporation Limited
Debentures | -
3%₹101 Cr950
6.17% Govt Stock 2021
Sovereign Bonds | -
3%₹97 Cr9,500,000
LIC Housing Finance Limited
Debentures | -
2%₹53 Cr500
Housing Development Finance Corporation Limited
Debentures | -
2%₹53 Cr500

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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