Table of Contents
- What does SWP in Mutual Fund Mean?
- SWP Mutual Fund Calculator
- Benefits of Systematic Withdrawal Plan
- Best SWP Mutual Funds for 2021
Top 7 Debt - Ultrashort Bond Funds
SWP Calculator -- Systematic Withdrawal Plan Calculator
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/Withdrawal Amount - It refers to the fixed withdrawal amount that you are planning to withdraw at regular intervals.
- Initial Investment - Initial investment refers to the lump sum amount that you wish to invest in the Mutual Fund scheme.
- 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.
- 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
- Initial Investment Amount - INR 1,20,000
- SWP Amount - INR 10,000
- Withdrawal Tenure - 12 Months
- 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.
VALUE AT END OF TENOR:₹4,597SWP Calculator
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.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2020 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹30.1837
↑ 0.02 ₹5,228 2.6 4.2 9.3 7.6 4 8.76% 1M 28D 11M 4D ICICI Prudential Ultra Short Term Fund Growth ₹21.6746
↑ 0.00 ₹8,288 1.1 2.1 6.1 7.1 6.5 4.92% 4M 20D 5M 12D Aditya Birla Sun Life Savings Fund Growth ₹424.944
↑ 0.05 ₹16,098 1.2 2 6.1 7.4 7 4.27% 6M 11D 7M 2D Kotak Savings Fund Growth ₹33.8586
↑ 0.00 ₹11,180 0.9 1.6 4.6 6.6 5.8 3.77% 5M 5D 5M 12D SBI Magnum Ultra Short Duration Fund Growth ₹4,696.31
↑ 0.39 ₹9,007 0.9 1.7 4.6 6.8 5.9 3.82% 5M 12D 5M 16D UTI Ultra Short Term Fund Growth ₹3,271.44
↓ -0.07 ₹1,909 0.8 1.8 4.5 4.8 5.3 4.07% 4M 28D 4M 30D DSP BlackRock Money Manager Fund Growth ₹2,715.46
↑ 0.26 ₹3,471 0.8 1.4 3.6 5.3 4.7 0% Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 21
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 Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. 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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile Kotak Treasury Advantage Fund) The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved. 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 Below is the key information for Kotak Savings Fund Returns up to 1 year are on (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 Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on (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 Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on "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 Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on 1. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.6% since its launch. Return for 2020 was 4% , 2019 was 9.6% and 2018 was 8.7% . 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.
Date Value 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
Purchase not allowed Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Santosh Kamath 25 Oct 18 2.52 Yr. Pallab Roy 1 Jun 08 12.92 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 36.85% Debt 63.15% Debt Sector Allocation
Sector Value Corporate 63.15% Cash Equivalent 36.85% Credit Quality
Rating Value A 38.18% AA 61.76% AAA 0.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Overnight Fund Dir Gr
Investment Fund | -23% ₹1,228 Cr 3,664,186
↑ 3,664,186 JM Financial Credit Solutions Limited
Debentures | -10% ₹530 Cr 5,400 Indostar Capital Finance Limited
Debentures | -8% ₹441 Cr 4,400 Edelweiss Commodities Services Limited
Debentures | -7% ₹371 Cr 7,500 Edelweiss Commodities Services Limited
Debentures | -7% ₹359 Cr 3,650 Tata Realty and Infrastructure Limited
Debentures | -5% ₹238 Cr 2,000 Clix Capital Services Private Limited
Debentures | -4% ₹235 Cr 2,350 Clix Capital Services Private Limited
Debentures | -4% ₹200 Cr 2,000 PNB Housing Finance Limited
Debentures | -4% ₹192 Cr 1,910 Indostar Capital Finance Limited
Debentures | -2% ₹130 Cr 1,301
↑ 1,301 2. ICICI Prudential Ultra Short Term Fund
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% . 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.
Date Value 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 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Manish Banthia 15 Nov 16 4.46 Yr. Ritesh Lunawat 15 Jun 17 3.88 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 44.31% Debt 55.69% Debt Sector Allocation
Sector Value Corporate 56.5% Cash Equivalent 29.44% Government 14.06% Credit Quality
Rating Value A 2.84% AA 39.48% AAA 57.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 19082021
Sovereign Bonds | -7% ₹617 Cr 62,500,000 REC Limited
Debentures | -3% ₹288 Cr 2,850 Reliance Ports and Terminals Limited
Debentures | -2% ₹207 Cr 2,019 Manappuram Finance Limited
Debentures | -2% ₹204 Cr 2,000 8.79% Govt Stock 2021
Sovereign Bonds | -2% ₹155 Cr 15,000,000
↑ 15,000,000 Housing Development Finance Corporation Limited
Debentures | -2% ₹152 Cr 1,500 Tata Value Homes Limited
Debentures | -2% ₹150 Cr 1,500 Motilal Oswal Home Finance Limited
Debentures | -2% ₹150 Cr 1,500
↑ 1,500 Tata Realty and Infrastructure Limited
Debentures | -2% ₹149 Cr 1,250 Power Finance Corporation Limited
Debentures | -2% ₹137 Cr 1,350 3. Aditya Birla Sun Life Savings Fund
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% . 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.
Date Value 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 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Sunaina Cunha 11 Oct 14 6.56 Yr. Kaustubh Gupta 15 Jul 11 9.8 Yr. Monika Gandhi 22 Mar 21 0.11 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 39.67% Debt 60.33% Debt Sector Allocation
Sector Value Corporate 52.4% Government 28.55% Cash Equivalent 18.98% Securitized 0.07% Credit Quality
Rating Value AA 10.19% AAA 89.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.79% Govt Stock 2021
Sovereign Bonds | -13% ₹2,021 Cr 196,100,000
↑ 135,600,000 Citicorp Finance (India) Limited
Debentures | -3% ₹500 Cr 5,000
↑ 5,000 364 DTB 07052021
Sovereign Bonds | -3% ₹498 Cr 50,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹400 Cr 4,000 8.83% Govt Stock 2023
Sovereign Bonds | -2% ₹334 Cr 30,500,000 REC Limited
Debentures | -2% ₹329 Cr 3,200 Rural Electrification Corporation Limited
Debentures | -2% ₹320 Cr 3,150 Muthoot Finance Limited
Debentures | -1% ₹241 Cr 2,350 Housing Development Finance Corporation Limited
Debentures | -1% ₹238 Cr 2,362
↓ -250 Rural Electrification Corporation Limited
Debentures | -1% ₹229 Cr 2,250 4. Kotak Savings Fund
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% . 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.
Date Value 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 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Deepak Agrawal 15 Apr 08 13.05 Yr. Data below for Kotak Savings Fund as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 53.03% Debt 46.97% Debt Sector Allocation
Sector Value Corporate 38.61% Cash Equivalent 30.77% Government 30.62% Credit Quality
Rating Value AA 4.88% AAA 95.12% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.79% Govt Stock 2021
Sovereign Bonds | -15% ₹1,713 Cr 166,269,250
↑ 166,269,250 6.17% Govt Stock 2021
Sovereign Bonds | -8% ₹943 Cr 93,500,000
↑ 93,500,000 182 DTB 03062021
Sovereign Bonds | -7% ₹825 Cr 83,000,000
↓ -76,500,000 Housing Development Finance Corporation Limited
Debentures | -4% ₹482 Cr 4,750 Housing Development Finance Corporation Limited
Debentures | -2% ₹279 Cr 2,750 Rural Electrification Corporation Limited
Debentures | -2% ₹241 Cr 2,350
↑ 300 Muthoot Finance Limited
Debentures | -2% ₹203 Cr 2,000,000 Bajaj Finance Limited
Debentures | -2% ₹200 Cr 2,000 7.94% Govt Stock 2021
Sovereign Bonds | -2% ₹176 Cr 17,500,000
↓ -3,750,000 Bharti Telecom Limited
Debentures | -1% ₹156 Cr 1,500 5. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.3% since its launch. Return for 2020 was 5.9% , 2019 was 8% and 2018 was 7.9% . 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.
Date Value 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 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Rajeev Radhakrishnan 1 May 10 11.01 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 50.2% Debt 49.8% Debt Sector Allocation
Sector Value Corporate 38.88% Government 35.41% Cash Equivalent 25.7% Credit Quality
Rating Value AA 2.13% AAA 97.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rural Electrification Corporation Limited
Debentures | -7% ₹635 Cr 6,250 8.79% Govt Stock 2021
Sovereign Bonds | -6% ₹515 Cr 50,000,000
↑ 50,000,000 8.20% Govt Stock 2022
Sovereign Bonds | -5% ₹415 Cr 40,000,000 Mahindra & Mahindra Financial Services Limited
Debentures | -4% ₹382 Cr 3,000 05.54 MP SDL 2021
Sovereign Bonds | -3% ₹298 Cr 29,500,000 Housing Development Finance Corporation Limited
Debentures | -3% ₹234 Cr 2,300 Housing Development Finance Corporation Limited
Debentures | -3% ₹228 Cr 2,250 06.10 KA SDL 2021
Sovereign Bonds | -2% ₹219 Cr 21,509,800 Muthoot Finance Limited
Debentures | -2% ₹190 Cr 1,880,000 GOI Floating Rate Bond 2024
Sovereign Bonds | -2% ₹186 Cr 18,800,000 6. UTI Ultra Short Term Fund
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% . 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.
Date Value 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 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Sudhir Agarwal 1 Jul 15 5.84 Yr. Ritesh Nambiar 1 Jul 15 5.84 Yr. Data below for UTI Ultra Short Term Fund as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 51.91% Debt 48.09% Debt Sector Allocation
Sector Value Corporate 48.47% Government 30.64% Cash Equivalent 20.88% Credit Quality
Rating Value A 5.94% AA 13.48% AAA 80.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.17% Govt Stock 2021
Sovereign Bonds | -12% ₹232 Cr 2,300,000,000 364 DTB 29072021
Sovereign Bonds | -5% ₹99 Cr 1,000,000,000 Avanse Financial Services Limited
Debentures | -3% ₹65 Cr 650 Reliance Industries Limited
Debentures | -3% ₹52 Cr 500 Housing Development Finance Corporation Limited
Debentures | -3% ₹51 Cr 500 Power Finance Corporation Limited
Debentures | -3% ₹51 Cr 500 REC Limited
Debentures | -3% ₹50 Cr 500
↑ 500 Tata Capital Housing Finance Limited
Debentures | -3% ₹50 Cr 500 Shriram Transport Finance Company Limited
Debentures | -2% ₹42 Cr 330 National Bank For Agriculture and Rural Development
Debentures | -2% ₹41 Cr 400 7. DSP BlackRock Money Manager Fund
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% . 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.
Date Value 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 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 May 21 Duration Returns 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
Year Returns 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
Name Since Tenure Kedar Karnik 17 Jul 16 4.79 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 Mar 21
Asset Allocation
Asset Class Value Cash 57.01% Debt 42.99% Debt Sector Allocation
Sector Value Corporate 37.31% Cash Equivalent 34.32% Government 28.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.79% Govt Stock 2021
Sovereign Bonds | -10% ₹362 Cr 34,000,000
↑ 24,000,000 National Highways Authority of India
Debentures | -8% ₹276 Cr 2,650
↑ 2,650 Power Finance Corporation Limited
Debentures | -4% ₹148 Cr 1,400 LIC Housing Finance Limited
Debentures | -4% ₹127 Cr 1,200 Small Industries Development Bank of India
Debentures | -3% ₹108 Cr 1,000 Housing Development Finance Corporation Limited
Debentures | -3% ₹104 Cr 1,000
↑ 1,000 Power Finance Corporation Limited
Debentures | -3% ₹101 Cr 950 6.17% Govt Stock 2021
Sovereign Bonds | -3% ₹97 Cr 9,500,000 LIC Housing Finance Limited
Debentures | -2% ₹53 Cr 500 Housing Development Finance Corporation Limited
Debentures | -2% ₹53 Cr 500
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