9 શ્રેષ્ઠ પ્રદર્શન કરતા ઓછી અવધિના ફંડ્સ 2022

Updated on March 8, 2026 , 14509 views

ઓછી અવધિના ભંડોળ ડેટની 16 યોજનાઓમાંથી એક છેમ્યુચ્યુઅલ ફંડ શ્રેણી આ ફંડ ડેટમાં રોકાણ કરે છે અનેમની માર્કેટ છ થી 12 મહિનાની વચ્ચે પાકતી મુદતવાળી સિક્યોરિટીઝ.

ઓછા સમયગાળાના ભંડોળને ટૂંકા ગાળાના રોકાણ તરીકે ગણવામાં આવે છે જે રોકાણકારો માટે અત્યંત યોગ્ય છે જેઓ તેમના રોકાણમાં વધુ જોખમ લેવા માંગતા નથી. લિક્વિડ અને અલ્ટ્રા કરતાં ઓછી અવધિના ફંડમાં પાકતી મુદત વધુ હોય છેટૂંકા ગાળાના ભંડોળ.

જોખમ-વિરોધી રોકાણકારો આ યોજનામાં ટૂંકા ગાળા માટે રોકાણ કરી શકે છે અને તેના કરતાં વધુ સારું વળતર મેળવી શકે છેબેંક બચત ખાતું. આ ફંડ સામાન્ય રીતે સ્થિર અને સ્થિર વળતર આપે છે. સરેરાશ, આ ફંડ્સ 6.5-8.5% p.a. સુધીનું વળતર આપે છે. સ્કીમનું વળતર અને કામગીરી ફંડ-દર ફંડમાં બદલાય છે, આમ સારા ફંડમાં રોકાણ કરવા માટે, અમે 2022 - 2023માં રોકાણ કરવા માટે કેટલાક શ્રેષ્ઠ પ્રદર્શન કરતા ઓછા સમયગાળાના ફંડ્સને શોર્ટલિસ્ટ કર્યા છે.

અવધિ આધારિત વ્યૂહરચના શું છે?

આદર્શરીતે, સમયગાળા આધારિત વ્યૂહરચના અનુસરતા ફંડ લાંબા ગાળા માટે રોકાણ કરે છેબોન્ડ અને વ્યાજ દરોમાં ઘટાડો થવાથી ફાયદો થાય છે. તેઓ પાસેથી કમાય છેપાટનગર બોન્ડની કૂપન સાથે પ્રશંસા. પરંતુ, આ ફંડ્સ વ્યાજ દરના જોખમના સંપર્કમાં છે અને જો વ્યાજદરમાં વધારો થાય તો આ ફંડ્સ મૂડીનું નુકસાન સહન કરી શકે છે.

આ વ્યૂહરચનામાં, ફંડ મેનેજર વ્યાજ દરની હિલચાલની આગાહી કરે છે. સમયગાળો ફંડ મેનેજર તેના દૃષ્ટિકોણ મુજબ ફંડની અવધિ અને સરેરાશ પાકતી મુદતમાં વારંવાર વધારો અથવા ઘટાડો કરે છે. ફંડ મેનેજરની ખોટી આગાહીઓ સમયગાળો આધારિત બનાવી શકે છેડેટ ફંડ નુકશાન સહન કરવું.

ફંડ મેનેજરો સમયગાળો મેનેજ કરવા પર ખૂબ ધ્યાન કેન્દ્રિત કરે છે જેથી વળતરને મહત્તમ કરી શકાય. સામાન્ય રીતે, જ્યારે વ્યાજ દરો નીચે જઈ રહ્યા હોય, ત્યારે સમયગાળો ફંડ મેનેજર પ્રમાણમાં ઊંચી અવધિ પસંદ કરે છે, જેથી કરીને, મહત્તમમૂડી વધારો બોન્ડની વધતી કિંમતોથી. અને તેનાથી વિપરીત પરિસ્થિતિ પર, એટલે કે, જ્યારે વ્યાજ દરો વધી રહ્યા હોય, ત્યારે ફંડનો સમયગાળો ઓછો કરવામાં આવશે, જેથી પોર્ટફોલિયોમાં મૂડીના નુકસાન સામે રક્ષણ મળી શકે.

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9 શ્રેષ્ઠ નીચા સમયગાળાના ભંડોળ નાણાકીય વર્ષ 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
ICICI Prudential Savings Fund Growth	₹568.032 ↑ 0.10	₹31,616	1.3	3	7.4	7.7	7.7	7.2%	10M 20D	1Y 4M 20D
UTI Treasury Advantage Fund Growth	₹3,700.23 ↑ 1.37	₹2,929	1.3	2.9	7.2	7.4	7.5	7.29%	11M 5D	1Y 1M 20D
HDFC Low Duration Fund Growth	₹60.0833 ↑ 0.03	₹25,366	1.2	2.8	6.9	7.2	7.2	7.37%	10M 26D	1Y 10M 13D
Canara Robeco Savings Fund Growth	₹43.8606 ↑ 0.02	₹1,336	1.2	2.7	6.9	7.1	7.2	7.07%	11M 1D	1Y 4M 30D
Nippon India Low Duration Fund Growth	₹3,895.81 ↑ 1.38	₹10,508	1.2	2.7	6.9	7.1	7.2	7.01%	11M 25D	1Y 3M 18D
Tata Treasury Advantage Fund Growth	₹4,090.94 ↑ 1.05	₹3,715	1.3	2.8	6.9	7.1	7.2	6.61%	11D	14D
Invesco India Treasury Advantage Fund Growth	₹3,935.34 ↑ 1.47	₹1,981	1.2	2.7	6.8	7.1	7.2	6.99%	8M 16D	9M 6D
Kotak Low Duration Fund Growth	₹3,475.47 ↓ -0.13	₹14,796	1.2	2.7	6.8	6.9	7	7.42%	10M 13D	1Y 4M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 9 Funds showcased

Commentary	Sundaram Low Duration Fund	ICICI Prudential Savings Fund	UTI Treasury Advantage Fund	HDFC Low Duration Fund	Canara Robeco Savings Fund	Nippon India Low Duration Fund	Tata Treasury Advantage Fund	Invesco India Treasury Advantage Fund	Kotak Low Duration Fund
Point 1	Bottom quartile AUM (₹550 Cr).	Highest AUM (₹31,616 Cr).	Lower mid AUM (₹2,929 Cr).	Top quartile AUM (₹25,366 Cr).	Bottom quartile AUM (₹1,336 Cr).	Upper mid AUM (₹10,508 Cr).	Lower mid AUM (₹3,715 Cr).	Bottom quartile AUM (₹1,981 Cr).	Upper mid AUM (₹14,796 Cr).
Point 2	Established history (18+ yrs).	Established history (23+ yrs).	Established history (18+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (19+ yrs).	Established history (18+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 11.79% (top quartile).	1Y return: 7.42% (top quartile).	1Y return: 7.24% (upper mid).	1Y return: 6.94% (upper mid).	1Y return: 6.92% (lower mid).	1Y return: 6.89% (lower mid).	1Y return: 6.86% (bottom quartile).	1Y return: 6.81% (bottom quartile).	1Y return: 6.79% (bottom quartile).
Point 6	1M return: 0.28% (bottom quartile).	1M return: 0.52% (upper mid).	1M return: 0.49% (lower mid).	1M return: 0.51% (upper mid).	1M return: 0.47% (bottom quartile).	1M return: 0.47% (lower mid).	1M return: 0.52% (top quartile).	1M return: 0.42% (bottom quartile).	1M return: 0.54% (top quartile).
Point 7	Sharpe: 0.99 (bottom quartile).	Sharpe: 2.31 (top quartile).	Sharpe: 1.80 (top quartile).	Sharpe: 1.25 (lower mid).	Sharpe: 1.26 (lower mid).	Sharpe: 1.36 (upper mid).	Sharpe: 1.22 (bottom quartile).	Sharpe: 1.39 (upper mid).	Sharpe: 0.90 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 7.20% (upper mid).	Yield to maturity (debt): 7.29% (upper mid).	Yield to maturity (debt): 7.37% (top quartile).	Yield to maturity (debt): 7.07% (lower mid).	Yield to maturity (debt): 7.01% (lower mid).	Yield to maturity (debt): 6.61% (bottom quartile).	Yield to maturity (debt): 6.99% (bottom quartile).	Yield to maturity (debt): 7.42% (top quartile).
Point 10	Modified duration: 0.47 yrs (top quartile).	Modified duration: 0.89 yrs (lower mid).	Modified duration: 0.93 yrs (bottom quartile).	Modified duration: 0.91 yrs (lower mid).	Modified duration: 0.92 yrs (bottom quartile).	Modified duration: 0.99 yrs (bottom quartile).	Modified duration: 0.03 yrs (top quartile).	Modified duration: 0.71 yrs (upper mid).	Modified duration: 0.87 yrs (upper mid).

Sundaram Low Duration Fund

Bottom quartile AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (top quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

ICICI Prudential Savings Fund

Highest AUM (₹31,616 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.42% (top quartile).
1M return: 0.52% (upper mid).
Sharpe: 2.31 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.20% (upper mid).
Modified duration: 0.89 yrs (lower mid).

UTI Treasury Advantage Fund

Lower mid AUM (₹2,929 Cr).
Established history (18+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.24% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 1.80 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (upper mid).
Modified duration: 0.93 yrs (bottom quartile).

HDFC Low Duration Fund

Top quartile AUM (₹25,366 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.94% (upper mid).
1M return: 0.51% (upper mid).
Sharpe: 1.25 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 0.91 yrs (lower mid).

Canara Robeco Savings Fund

Bottom quartile AUM (₹1,336 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.92% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.07% (lower mid).
Modified duration: 0.92 yrs (bottom quartile).

Nippon India Low Duration Fund

Upper mid AUM (₹10,508 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.89% (lower mid).
1M return: 0.47% (lower mid).
Sharpe: 1.36 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.01% (lower mid).
Modified duration: 0.99 yrs (bottom quartile).

Tata Treasury Advantage Fund

Lower mid AUM (₹3,715 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.86% (bottom quartile).
1M return: 0.52% (top quartile).
Sharpe: 1.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.61% (bottom quartile).
Modified duration: 0.03 yrs (top quartile).

Invesco India Treasury Advantage Fund

Bottom quartile AUM (₹1,981 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.81% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 1.39 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.99% (bottom quartile).
Modified duration: 0.71 yrs (upper mid).

Kotak Low Duration Fund

Upper mid AUM (₹14,796 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.79% (bottom quartile).
1M return: 0.54% (top quartile).
Sharpe: 0.90 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.42% (top quartile).
Modified duration: 0.87 yrs (upper mid).

*આ લેખમાં ઉલ્લેખિત ભંડોળ એયુએમ/નેટ અસ્કયામતો કરતાં ઉપર છે100 કરોડ અને કર્યાભંડોળની ઉંમર >= 3 વર્ષ. છેલ્લા પર સૉર્ટ1 વર્ષનું વળતર.

1. Sundaram Low Duration Fund

(Erstwhile Sundaram Ultra Short Term Fund)

To provide a level of income consistent with liquidity through investments made primarily in money market and debt securities.

Research Highlights for Sundaram Low Duration Fund

Bottom quartile AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (top quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.67 yrs (top quartile).
Exit load: NIL.

Below is the key information for Sundaram Low Duration Fund

Sundaram Low Duration Fund Growth
Launch Date	23 Apr 07
NAV (31 Dec 21)	₹28.8391 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹550 on 30 Nov 21
Category	Debt - Low Duration
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.86
Sharpe Ratio	0.99
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	4.19%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000

Sundaram Low 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 Sundaram Low 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 31 Dec 21

Duration	Returns
1 Month	0.3%
3 Month	1%
6 Month	10.2%
1 Year	11.8%
3 Year	5%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Sundaram Low Duration Fund

Name	Since	Tenure

Data below for Sundaram Low Duration Fund as on 30 Nov 21

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Savings Fund

Highest AUM (₹31,616 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.42% (top quartile).
1M return: 0.52% (upper mid).
Sharpe: 2.31 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.20% (upper mid).
Modified duration: 0.89 yrs (lower mid).
Average maturity: 1.39 yrs (bottom quartile).
Exit load: NIL.
Top sector: Basic Materials.
Top bond sector: Corporate.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.8%).

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (10 Mar 26)	₹568.032 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹31,616 on 31 Jan 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	2.31
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.2%
Effective Maturity	1 Year 4 Months 20 Days
Modified Duration	10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,367
28 Feb 23	₹10,922
29 Feb 24	₹11,778
28 Feb 25	₹12,702
28 Feb 26	₹13,647

ICICI Prudential 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 ICICI Prudential 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	3%
1 Year	7.4%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	1.38 Yr.
Darshil Dedhia	12 Jun 23	2.64 Yr.

Data below for ICICI Prudential Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	43.72%
Debt	56.02%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	66.77%
Cash Equivalent	26.52%
Government	6.44%

Credit Quality

Rating	Value
AA	13.9%
AAA	86.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹876 Cr	875
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	2%	₹753 Cr	72,923,600 ↓ -5,316,200
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹704 Cr	70,000
Goi Floating Rate Bond 2031 Sovereign Bonds \| -	2%	₹620 Cr	60,500,000
6.48% Gs 2035 Sovereign Bonds \| -	2%	₹580 Cr	58,921,800 ↓ -37,305,000
Union Bank of India Domestic Bonds \| -	2%	₹562 Cr	12,000 ↑ 12,000
Axis Bank Ltd. Debentures \| -	1%	₹469 Cr	10,000
Bank of Baroda Debentures \| -	1%	₹422 Cr	9,000
Bank of Baroda Debentures \| -	1%	₹392 Cr	8,000
Small Industries Development Bank Of India Debentures \| -	1%	₹360 Cr	36,000 ↓ -5,000

3. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

Lower mid AUM (₹2,929 Cr).
Established history (18+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.24% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 1.80 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (upper mid).
Modified duration: 0.93 yrs (bottom quartile).
Average maturity: 1.14 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding 30/04/2026 Maturing 182 DTB (~4.2%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (10 Mar 26)	₹3,700.23 ↑ 1.37 (0.04 %)
Net Assets (Cr)	₹2,929 on 15 Feb 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	1.8
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	1 Year 1 Month 20 Days
Modified Duration	11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,926
28 Feb 23	₹11,458
29 Feb 24	₹12,307
28 Feb 25	₹13,236
28 Feb 26	₹14,200

UTI Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	2.9%
1 Year	7.2%
3 Year	7.4%
5 Year	7.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.17 Yr.

Data below for UTI Treasury Advantage Fund as on 15 Feb 26

Asset Allocation

Asset Class	Value
Cash	26.69%
Debt	72.98%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	62.6%
Cash Equivalent	23.54%
Government	13.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹123 Cr	1,250,000,000 ↑ 1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
7.86% Karnataka Sdl 2027 Sovereign Bonds \| -	3%	₹102 Cr	1,000,000,000 ↑ 1,000,000,000
Rec Limited Debentures \| -	3%	₹101 Cr	10,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹100 Cr	1,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹99 Cr	1,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
Embassy Office Parks Reit Debentures \| -	3%	₹90 Cr	900
LIC Housing Finance Ltd Debentures \| -	3%	₹76 Cr	750
Nirma Limited Debentures \| -	3%	₹75 Cr	7,500

4. HDFC Low Duration Fund

(Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)

To generate regular income through investment in debt securities and money market instruments.

Research Highlights for HDFC Low Duration Fund

Top quartile AUM (₹25,366 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.94% (upper mid).
1M return: 0.51% (upper mid).
Sharpe: 1.25 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 0.91 yrs (lower mid).
Average maturity: 1.87 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding Goi Floating Rate Bond 2031 (~5.1%).

Below is the key information for HDFC Low Duration Fund

HDFC Low Duration Fund Growth
Launch Date	18 Nov 99
NAV (10 Mar 26)	₹60.0833 ↑ 0.03 (0.04 %)
Net Assets (Cr)	₹25,366 on 31 Jan 26
Category	Debt - Low Duration
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.03
Sharpe Ratio	1.25
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	1 Year 10 Months 13 Days
Modified Duration	10 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,385
28 Feb 23	₹10,856
29 Feb 24	₹11,645
28 Feb 25	₹12,498
28 Feb 26	₹13,364

HDFC Low 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 HDFC Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.2%
6 Month	2.8%
1 Year	6.9%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	7%
2021	4.1%
2020	3.7%
2019	8.1%
2018	8%
2017	6.5%
2016	6.4%
2015	8.6%

Fund Manager information for HDFC Low Duration Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	10.27 Yr.
Praveen Jain	6 Oct 22	3.33 Yr.
Dhruv Muchhal	22 Jun 23	2.62 Yr.

Data below for HDFC Low Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	11.99%
Debt	87.73%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.34%
Government	24.33%
Cash Equivalent	11.05%

Credit Quality

Rating	Value
AA	13.51%
AAA	86.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Goi Floating Rate Bond 2031 Sovereign Bonds \| -	5%	₹1,260 Cr	123,000,000 ↑ 500,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	4%	₹1,084 Cr	105,000,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹718 Cr	7,200 ↓ -500
Jubilant Beverages Limited Debentures \| -	3%	₹639 Cr	59,740
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹629 Cr	62,500
Rec Limited Debentures \| -	2%	₹520 Cr	52,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹473 Cr	47,000
Small Industries Development Bank Of India Debentures \| -	2%	₹433 Cr	43,000
National Housing Bank Debentures \| -	2%	₹425 Cr	42,500
National Housing Bank Debentures \| -	2%	₹424 Cr	42,100

5. Canara Robeco Savings Fund

(Erstwhile Canara Robeco Savings Plus Fund)

To generate income/ Capital appreciation by investing in a portfolio comprising of short term debt instruments and money market instruments with weighted average portfolio duration between 3 months to less than 1 year. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Savings Fund

Bottom quartile AUM (₹1,336 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.92% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.07% (lower mid).
Modified duration: 0.92 yrs (bottom quartile).
Average maturity: 1.42 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding Rec Limited (~7.5%).

Below is the key information for Canara Robeco Savings Fund

Canara Robeco Savings Fund Growth
Launch Date	4 Mar 05
NAV (10 Mar 26)	₹43.8606 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹1,336 on 31 Jan 26
Category	Debt - Low Duration
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	1 Year 4 Months 30 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,342
28 Feb 23	₹10,801
29 Feb 24	₹11,584
28 Feb 25	₹12,424
28 Feb 26	₹13,290

Canara Robeco Savings Fund SIP Returns

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

Returns for Canara Robeco 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.2%
6 Month	2.7%
1 Year	6.9%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	7%
2021	4.1%
2020	3.1%
2019	6.4%
2018	8.1%
2017	6.9%
2016	6.8%
2015	8.4%

Fund Manager information for Canara Robeco Savings Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.84 Yr.
Kunal Jain	18 Jul 22	3.54 Yr.

Data below for Canara Robeco Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	28.77%
Debt	70.95%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	71.85%
Government	22.42%
Cash Equivalent	5.45%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	7%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	6%	₹80 Cr	8,000
Kotak Mahindra Prime Limited Debentures \| -	6%	₹74 Cr	7,500 ↑ 2,500
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	5%	₹72 Cr	7,000,000 ↑ 3,500,000
Hdb Financial Services Limited Debentures \| -	5%	₹70 Cr	700
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹55 Cr	5,500
6.92% Tamilnadu Sgs 2029 Sovereign Bonds \| -	4%	₹50 Cr	5,000,000
LIC Housing Finance Ltd Debentures \| -	4%	₹50 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹35 Cr	3,500 ↑ 1,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500

6. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.

Research Highlights for Nippon India Low Duration Fund

Upper mid AUM (₹10,508 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.89% (lower mid).
1M return: 0.47% (lower mid).
Sharpe: 1.36 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.01% (lower mid).
Modified duration: 0.99 yrs (bottom quartile).
Average maturity: 1.30 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~2.3%).

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund Growth
Launch Date	20 Mar 07
NAV (10 Mar 26)	₹3,895.81 ↑ 1.38 (0.04 %)
Net Assets (Cr)	₹10,508 on 31 Jan 26
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.36
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	1 Year 3 Months 18 Days
Modified Duration	11 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,446
28 Feb 23	₹10,903
29 Feb 24	₹11,672
28 Feb 25	₹12,526
28 Feb 26	₹13,393

Nippon India Low 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 Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.2%
6 Month	2.7%
1 Year	6.9%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	6.7%
2021	4.2%
2020	4.1%
2019	7.3%
2018	7%
2017	7.4%
2016	6.6%
2015	8.5%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	6.01 Yr.
Kinjal Desai	25 May 18	7.7 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Low Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	28.32%
Debt	71.41%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	72.82%
Government	15.87%
Cash Equivalent	11.03%

Credit Quality

Rating	Value
AA	13.07%
AAA	86.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹241 Cr	24,000 ↓ -4,500
Rec Limited Debentures \| -	2%	₹208 Cr	21,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹206 Cr	20,500
Telangana State Industrial Infrastructure Corporation Limited Debentures \| -	2%	₹202 Cr	20,000
TATA Communications Limited Debentures \| -	2%	₹200 Cr	20,000
Poonawalla Fincorp Limited Debentures \| -	2%	₹200 Cr	20,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹199 Cr	200
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹197 Cr	20,000,000 ↑ 20,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹174 Cr	17,500
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹169 Cr	17,000

7. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Tata Treasury Advantage Fund

Lower mid AUM (₹3,715 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.86% (bottom quartile).
1M return: 0.52% (top quartile).
Sharpe: 1.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.61% (bottom quartile).
Modified duration: 0.03 yrs (top quartile).
Average maturity: 0.04 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~52%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.4%).

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (10 Mar 26)	₹4,090.94 ↑ 1.05 (0.03 %)
Net Assets (Cr)	₹3,715 on 15 Feb 26
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.61%
Effective Maturity	14 Days
Modified Duration	11 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,403
28 Feb 23	₹10,862
29 Feb 24	₹11,640
28 Feb 25	₹12,495
28 Feb 26	₹13,354

Tata Treasury Advantage 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 Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	2.8%
1 Year	6.9%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	6.9%
2021	4.1%
2020	3.6%
2019	7.5%
2018	2.2%
2017	7.5%
2016	6.9%
2015	8.5%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	11.67 Yr.

Data below for Tata Treasury Advantage Fund as on 15 Feb 26

Asset Allocation

Asset Class	Value
Cash	51.5%
Debt	48.23%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	55.62%
Cash Equivalent	26.22%
Government	17.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹126 Cr	12,500
Dlf Cyber City Developers Ltd Debentures \| -	3%	₹124 Cr	12,500
Poonawalla Fincorp Limited Debentures \| -	3%	₹100 Cr	10,000
** - Union Bank Of India - Cd - 27/03/2026 Debentures \| -	3%	₹99 Cr	2,000 ↑ 2,000
TATA Communications Limited Debentures \| -	3%	₹98 Cr	10,000
7.8% Kerala SDL 2027 Sovereign Bonds \| -	3%	₹97 Cr	9,500,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹76 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹75 Cr	7,500
Adani Power Ltd Debentures \| -	2%	₹75 Cr	7,500 ↑ 7,500
Hdb Financial Services Limited Debentures \| -	1%	₹55 Cr	5,500

8. Invesco India Treasury Advantage Fund

(Erstwhile Invesco India Ultra Short Term Fund)

The investment objective is to provide liquidity and optimal returns to the investor by investing primarily in a mix of short term debt and money market instruments which results in a portfolio having marginally higher maturity and moderately higher credit risk as compared to a liquid fund at the same time maintaining a balance between safety and liquidity.

Research Highlights for Invesco India Treasury Advantage Fund

Bottom quartile AUM (₹1,981 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.81% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 1.39 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.99% (bottom quartile).
Modified duration: 0.71 yrs (upper mid).
Average maturity: 0.77 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/03/2026 Maturing 182 DTB (~3.8%).

Below is the key information for Invesco India Treasury Advantage Fund

Invesco India Treasury Advantage Fund Growth
Launch Date	18 Jan 07
NAV (10 Mar 26)	₹3,935.34 ↑ 1.47 (0.04 %)
Net Assets (Cr)	₹1,981 on 31 Jan 26
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.39
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	9 Months 6 Days
Modified Duration	8 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,377
28 Feb 23	₹10,829
29 Feb 24	₹11,618
28 Feb 25	₹12,468
28 Feb 26	₹13,327

Invesco India Treasury Advantage 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 Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.4%
3 Month	1.2%
6 Month	2.7%
1 Year	6.8%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.6%
2022	6.8%
2021	4%
2020	3.5%
2019	7.1%
2018	8.9%
2017	7.1%
2016	6.3%
2015	8.5%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	13.09 Yr.
Vikas Garg	16 Dec 20	5.13 Yr.

Data below for Invesco India Treasury Advantage Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	49.81%
Debt	49.94%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	68.35%
Cash Equivalent	25.2%
Government	6.2%

Credit Quality

Rating	Value
AA	15.01%
AAA	84.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/03/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
06.90 OIL SPL 2026 Domestic Bonds \| -	3%	₹50 Cr	5,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹50 Cr	5,000,000
National Housing Bank Debentures \| -	3%	₹50 Cr	5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹50 Cr	5,000,000
27/02/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹50 Cr	5,000,000
Tbill Sovereign Bonds \| -	2%	₹49 Cr	5,000,000 ↑ 5,000,000
Canara Bank Domestic Bonds \| -	2%	₹47 Cr	5,000,000
Indian Bank Domestic Bonds \| -	2%	₹47 Cr	5,000,000 ↑ 5,000,000

9. Kotak Low Duration Fund

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no assurance that the objective of the scheme will be realized

Research Highlights for Kotak Low Duration Fund

Upper mid AUM (₹14,796 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.79% (bottom quartile).
1M return: 0.54% (top quartile).
Sharpe: 0.90 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.42% (top quartile).
Modified duration: 0.87 yrs (upper mid).
Average maturity: 1.35 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.2%).

Below is the key information for Kotak Low Duration Fund

Kotak Low Duration Fund Growth
Launch Date	6 Mar 08
NAV (10 Mar 26)	₹3,475.47 ↓ -0.13 (0.00 %)
Net Assets (Cr)	₹14,796 on 31 Jan 26
Category	Debt - Low Duration
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.17
Sharpe Ratio	0.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	1 Year 4 Months 6 Days
Modified Duration	10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,382
28 Feb 23	₹10,831
29 Feb 24	₹11,579
28 Feb 25	₹12,417
28 Feb 26	₹13,253

Kotak Low 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 Kotak Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.2%
6 Month	2.7%
1 Year	6.8%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7%
2023	7.3%
2022	6.7%
2021	3.9%
2020	3.5%
2019	7.9%
2018	8.3%
2017	7.3%
2016	7.1%
2015	8.9%

Fund Manager information for Kotak Low Duration Fund

Name	Since	Tenure
Deepak Agrawal	31 Jan 15	11.01 Yr.
Dharmesh Thakkar	24 Oct 25	0.27 Yr.

Data below for Kotak Low Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	26.99%
Debt	72.72%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	62.22%
Government	18.97%
Cash Equivalent	18.52%

Credit Quality

Rating	Value
AA	14.69%
AAA	85.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹478 Cr	47,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹453 Cr	45,000
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	3%	₹446 Cr	43,148,779
Jtpm Metal TRaders Limited Debentures \| -	3%	₹413 Cr	40,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹402 Cr	40,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹380 Cr	3,830
Bajaj Housing Finance Limited Debentures \| -	2%	₹258 Cr	26,000
7.46% Madhyapradesh 2027 Sovereign Bonds \| -	2%	₹255 Cr	25,000,000
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Rec Limited Debentures \| -	2%	₹248 Cr	25,000

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