SIP 2022 માટે 5 શ્રેષ્ઠ અલ્ટ્રા શોર્ટ ટર્મ ડેટ ફંડ્સ

Updated on August 12, 2025 , 2949 views

અલ્ટ્રા શોર્ટ ટર્મડેટ ફંડ એક પ્રકાર છેમ્યુચ્યુઅલ ફંડ જે ટૂંકા ગાળા માટે ખૂબ જ યોગ્ય છેરોકાણ યોજના. આ ફંડ્સ એવા ડેટ ઇન્સ્ટ્રુમેન્ટ્સમાં રોકાણ કરે છે જેની સરેરાશ મેચ્યોરિટી 91 દિવસથી વધુ હોય. આ ફંડ્સ વધુ સારું વળતર આપે છે અને લિક્વિડ ડેટ ફંડ્સ કરતાં વધુ પરિપક્વતા ધરાવે છે, પરંતુ તે કરતાં વધુ અસ્થિર છે.લિક્વિડ ફંડ્સ. નીચા ભાવ ધરાવતા રોકાણકારોજોખમની ભૂખ અલ્ટ્રામાં રોકાણ કરવાનું વલણ ધરાવે છેટૂંકા ગાળાના ભંડોળ, કારણ કે તેઓ અન્ય કરતા વધારે ઉપજ ધરાવે છેમની માર્કેટ ફંડ્સ. આમ, રોકાણકારો કે જેઓ તેમના નાણાં એક વર્ષ કે તેથી ઓછા સમય માટે પાર્ક કરવા માંગતા હોય તેઓ આદર્શ રીતે આ યોજનામાં રોકાણ કરી શકે છે. વધુ સારું વળતર મેળવવા માટે, તમે નીચે સૂચિબદ્ધ માટે ફંડ પસંદ કરી શકો છોશ્રેષ્ઠ અલ્ટ્રા શોર્ટ ટર્મ SIP ભંડોળ.

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SIP રોકાણ નાણાકીય વર્ષ 22 - 23 માટે ટોચના 5 શ્રેષ્ઠ પ્રદર્શન કરનાર અલ્ટ્રા શોર્ટ ટર્મ ડેટ ફંડ્સ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹553.418 ↑ 0.27	₹20,228	1,000	1.8	4.1	8	7.4	7.9	6.72%	5M 26D	6M 29D
ICICI Prudential Ultra Short Term Fund Growth	₹27.9402 ↑ 0.01	₹16,051	1,000	1.8	3.9	7.5	7.1	7.5	6.79%	5M 12D	7M 24D
Invesco India Ultra Short Term Fund Growth	₹2,719.27 ↑ 0.56	₹1,006	1,000	1.7	3.7	7.4	6.9	7.5	6.59%	5M 16D	5M 24D
Kotak Savings Fund Growth	₹43.2302 ↑ 0.01	₹15,527	1,000	1.7	3.7	7.3	6.9	7.2	6.49%	5M 12D	5M 19D
Nippon India Ultra Short Duration Fund Growth	₹4,061.91 ↑ 1.51	₹9,543	100	1.7	3.7	7.3	6.9	7.2	6.71%	5M 14D	7M 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Invesco India Ultra Short Term Fund	Kotak Savings Fund	Nippon India Ultra Short Duration Fund
Point 1	Highest AUM (₹20,228 Cr).	Upper mid AUM (₹16,051 Cr).	Bottom quartile AUM (₹1,006 Cr).	Lower mid AUM (₹15,527 Cr).	Bottom quartile AUM (₹9,543 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Established history (21+ yrs).	Oldest track record among peers (23 yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 8.04% (top quartile).	1Y return: 7.53% (upper mid).	1Y return: 7.39% (lower mid).	1Y return: 7.30% (bottom quartile).	1Y return: 7.28% (bottom quartile).
Point 6	1M return: 0.47% (top quartile).	1M return: 0.46% (upper mid).	1M return: 0.44% (bottom quartile).	1M return: 0.43% (bottom quartile).	1M return: 0.46% (lower mid).
Point 7	Sharpe: 3.55 (top quartile).	Sharpe: 2.79 (upper mid).	Sharpe: 2.72 (lower mid).	Sharpe: 2.10 (bottom quartile).	Sharpe: 2.26 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.72% (upper mid).	Yield to maturity (debt): 6.79% (top quartile).	Yield to maturity (debt): 6.59% (bottom quartile).	Yield to maturity (debt): 6.49% (bottom quartile).	Yield to maturity (debt): 6.71% (lower mid).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.45 yrs (top quartile).	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.45 yrs (upper mid).	Modified duration: 0.45 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹20,228 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.04% (top quartile).
1M return: 0.47% (top quartile).
Sharpe: 3.55 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.72% (upper mid).
Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,051 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.53% (upper mid).
1M return: 0.46% (upper mid).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.79% (top quartile).
Modified duration: 0.45 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,006 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.39% (lower mid).
1M return: 0.44% (bottom quartile).
Sharpe: 2.72 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.59% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).

Kotak Savings Fund

Lower mid AUM (₹15,527 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.30% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 2.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (upper mid).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹9,543 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 7.28% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 2.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.71% (lower mid).
Modified duration: 0.45 yrs (lower mid).

*ઉપર શ્રેષ્ઠની યાદી છેઅલ્ટ્રા-શોર્ટ ભંડોળ ઉપર AUM/નેટ અસ્કયામતો ધરાવે છે100 કરોડ. પર છટણીછેલ્લું 1 વર્ષનું વળતર.

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹20,228 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.04% (top quartile).
1M return: 0.47% (top quartile).
Sharpe: 3.55 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.72% (upper mid).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.58 yrs (lower mid).
Exit load: NIL.

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 (14 Aug 25)	₹553.418 ↑ 0.27 (0.05 %)
Net Assets (Cr)	₹20,228 on 15 Jul 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.55
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.72%
Effective Maturity	6 Months 29 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value

Aditya Birla Sun Life Savings Fund SIP Returns

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

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	4.1%
1 Year	8%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure

Data below for Aditya Birla Sun Life Savings Fund as on 15 Jul 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,051 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.53% (upper mid).
1M return: 0.46% (upper mid).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.79% (top quartile).
Modified duration: 0.45 yrs (top quartile).
Average maturity: 0.65 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).

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 (14 Aug 25)	₹27.9402 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹16,051 on 30 Jun 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	2.79
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	6.79%
Effective Maturity	7 Months 24 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

ICICI Prudential Ultra Short Term Fund SIP Returns

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

Returns for 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 14 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.9%
1 Year	7.5%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,006 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.39% (lower mid).
1M return: 0.44% (bottom quartile).
Sharpe: 2.72 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.59% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (14 Aug 25)	₹2,719.27 ↑ 0.56 (0.02 %)
Net Assets (Cr)	₹1,006 on 30 Jun 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.72
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.59%
Effective Maturity	5 Months 24 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value

Invesco India Ultra Short Term Fund SIP Returns

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

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 25

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.7%
1 Year	7.4%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure

Data below for Invesco India Ultra Short Term Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.

Research Highlights for Kotak Savings Fund

Lower mid AUM (₹15,527 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.30% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 2.10 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (upper mid).
Average maturity: 0.47 yrs (top quartile).
Exit load: NIL.

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (14 Aug 25)	₹43.2302 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹15,527 on 30 Jun 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	2.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	5 Months 19 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

Kotak Savings Fund SIP Returns

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

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 25

Duration	Returns
1 Month	0.4%
3 Month	1.7%
6 Month	3.7%
1 Year	7.3%
3 Year	6.9%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%
2015	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure

Data below for Kotak Savings Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹9,543 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 7.28% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 2.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.71% (lower mid).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.66 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (14 Aug 25)	₹4,061.91 ↑ 1.51 (0.04 %)
Net Assets (Cr)	₹9,543 on 30 Jun 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	2.26
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.71%
Effective Maturity	7 Months 29 Days
Modified Duration	5 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value

Nippon India Ultra Short Duration Fund SIP Returns

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

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.7%
1 Year	7.3%
3 Year	6.9%
5 Year	6.7%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure

Data below for Nippon India Ultra Short Duration Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.