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5 बेस्ट शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड्स 2022 में निवेश करने के लिए
आम तौर पर लोग मानते हैं किम्यूचुअल फंड निवेश लंबी अवधि के निवेशकों के लिए हैं। खैर, यह सच नहीं है! फंड की एक कैटेगरी होती है जिसे शॉर्ट ड्यूरेशन फंड या शॉर्ट टर्म कहा जाता हैडेट फंड जो निवेशकों को अपने पैसे को सुलभ रखने के साथ-साथ अल्पावधि के लिए निवेश करने की अनुमति देता है। हालांकि इसमें विभिन्न शॉर्ट ड्यूरेशन फंड उपलब्ध हैंमंडी, निवेशकों को सर्वोत्तम शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड की तलाश करने का सुझाव दिया जाता है।
सबसे अच्छी शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड वे फंड हैं जो निवेशकों को कम बाजार जोखिम के साथ अच्छा रिटर्न अर्जित करने के लिए, आमतौर पर तीन साल के लिए, छोटी अवधि के लिए निवेश करने की अनुमति देते हैं। ये फंड कम जोखिम लेने की क्षमता वाले अत्यधिक उपयुक्त निवेशक हैं जो त्वरित रिटर्न और स्थिर प्रवाह चाहते हैंआय बांड बाजारों में दैनिक परिवर्तनों से प्रभावित हुए बिना।
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बेस्ट शॉर्ट ड्यूरेशन फंड या शॉर्ट टर्म डेट फंड FY 22 - 23
To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a Below is the key information for UTI Short Term Income Fund Returns up to 1 year are on (Erstwhile BNP Paribas Short Term Income Fund) The primary objective of the Scheme is to provide income consistent with the prudent risk from a portfolio comprising various debt and money market instruments. However, there can be no assurance that the investment
objective of the Scheme will be achieved. The Scheme / Plan(s) do not guarantee / indicate any returns. BNP Paribas Short Term Fund is a Debt - Short term Bond fund was launched on 13 Sep 04. It is a fund with Moderately Low risk and has given a Below is the key information for BNP Paribas Short Term Fund Returns up to 1 year are on To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. ICICI Prudential Short Term Fund is a Debt - Short term Bond fund was launched on 25 Oct 01. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Short Term Fund Returns up to 1 year are on An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating. Aditya Birla Sun Life Short Term Opportunities Fund is a Debt - Short term Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund Returns up to 1 year are on (Erstwhile HDFC Short Term Opportunities Fund) To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months. HDFC Short Term Debt Fund is a Debt - Short term Bond fund was launched on 25 Jun 10. It is a fund with Moderately Low risk and has given a Below is the key information for HDFC Short Term Debt Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Short Term Income Fund Growth ₹28.8102
↓ -0.02 ₹2,689 1.9 4 7.1 7 6.9 7.51% 2Y 5M 8D 3Y 8M 5D BNP Paribas Short Term Fund Growth ₹25.4771
↓ -0.01 ₹258 0.6 1.3 4.6 6.5 5.16% 1Y 11M 26D 2Y 3M ICICI Prudential Short Term Fund Growth ₹54.469
↓ -0.05 ₹16,876 1.7 3.7 7.3 5.8 7.4 8.02% 2Y 7M 2D 4Y 9M 4D Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹43.0409
↓ -0.04 ₹6,767 1.7 3.7 6.7 5.5 6.9 7.87% 2Y 10M 2D 4Y 2M 5D HDFC Short Term Debt Fund Growth ₹28.917
↓ -0.02 ₹12,915 1.9 3.9 7.2 5.5 7.1 7.86% 2Y 9M 24D 4Y 29D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Apr 24 संपत्ति>= 100 करोड़ पर छाँटा गया3 सालसीएजीआर वापसी.1. UTI Short Term Income Fund
CAGR/Annualized return of 6.6% since its launch. Ranked 10 in Short term Bond category. Return for 2023 was 6.9% , 2022 was 3.8% and 2021 was 8.4% . UTI Short Term Income Fund
Growth Launch Date 19 Sep 07 NAV (19 Apr 24) ₹28.8102 ↓ -0.02 (-0.06 %) Net Assets (Cr) ₹2,689 on 31 Mar 24 Category Debt - Short term Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.95 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.51% Effective Maturity 3 Years 8 Months 5 Days Modified Duration 2 Years 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹9,610 31 Mar 21 ₹10,419 31 Mar 22 ₹11,372 31 Mar 23 ₹11,879 31 Mar 24 ₹12,787 Returns for UTI Short Term Income Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 4% 1 Year 7.1% 3 Year 7% 5 Year 5.1% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 3.8% 2021 8.4% 2020 10.5% 2019 -3.9% 2018 6% 2017 6.1% 2016 10.1% 2015 8.3% 2014 10.9% Fund Manager information for UTI Short Term Income Fund
Name Since Tenure Sudhir Agarwal 25 Oct 12 11.44 Yr. Data below for UTI Short Term Income Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 7.8% Debt 91.98% Other 0.22% Debt Sector Allocation
Sector Value Government 49.63% Corporate 42.34% Cash Equivalent 7.8% Credit Quality
Rating Value AA 9.94% AAA 90.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.37% Govt Stock 2028
Sovereign Bonds | -16% ₹430 Cr 4,250,000,000
↓ -1,000,000,000 182 DTB 29082024
Sovereign Bonds | -13% ₹339 Cr 3,500,000,000 India (Republic of)
- | -10% ₹266 Cr 2,750,000,000
↑ 2,750,000,000 National Bank For Agriculture And Rural Development
Debentures | -8% ₹226 Cr 22,500 Power Finance Corporation Ltd.
Debentures | -7% ₹202 Cr 20,000 Small Industries Development Bank of India
Debentures | -7% ₹201 Cr 20,000 Rural Electrification Corporation Limited
Debentures | -7% ₹183 Cr 18,000 LIC Housing Finance Limited
Debentures | -5% ₹125 Cr 1,250
↑ 1,250 India Grid TRust
Debentures | -3% ₹75 Cr 750 Shriram Finance Limited
Debentures | -3% ₹70 Cr 7,000 2. BNP Paribas Short Term Fund
CAGR/Annualized return of 5.5% since its launch. Ranked 41 in Short term Bond category. . BNP Paribas Short Term Fund
Growth Launch Date 13 Sep 04 NAV (11 Mar 22) ₹25.4771 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹258 on 15 Feb 22 Category Debt - Short term Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.98 Sharpe Ratio 0.07 Information Ratio -0.85 Alpha Ratio -1.04 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 5.16% Effective Maturity 2 Years 3 Months Modified Duration 1 Year 11 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,652 31 Mar 21 ₹11,520 Returns for BNP Paribas Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.2% 3 Month 0.6% 6 Month 1.3% 1 Year 4.6% 3 Year 6.5% 5 Year 6.6% 10 Year 15 Year Since launch 5.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 Fund Manager information for BNP Paribas Short Term Fund
Name Since Tenure Data below for BNP Paribas Short Term Fund as on 15 Feb 22
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. ICICI Prudential Short Term Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 11 in Short term Bond category. Return for 2023 was 7.4% , 2022 was 4.7% and 2021 was 3.9% . ICICI Prudential Short Term Fund
Growth Launch Date 25 Oct 01 NAV (19 Apr 24) ₹54.469 ↓ -0.05 (-0.09 %) Net Assets (Cr) ₹16,876 on 31 Mar 24 Category Debt - Short term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.11 Sharpe Ratio 1.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 8.02% Effective Maturity 4 Years 9 Months 4 Days Modified Duration 2 Years 7 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,919 31 Mar 21 ₹11,875 31 Mar 22 ₹12,373 31 Mar 23 ₹13,083 31 Mar 24 ₹14,095 Returns for ICICI Prudential Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.7% 1 Year 7.3% 3 Year 5.8% 5 Year 7.1% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.7% 2021 3.9% 2020 10.6% 2019 9.7% 2018 5.8% 2017 5.9% 2016 11.1% 2015 8% 2014 11.6% Fund Manager information for ICICI Prudential Short Term Fund
Name Since Tenure Manish Banthia 19 Nov 09 14.38 Yr. Nikhil Kabra 29 Dec 20 3.26 Yr. Data below for ICICI Prudential Short Term Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 5.81% Debt 93.94% Other 0.25% Debt Sector Allocation
Sector Value Government 46.99% Corporate 46.69% Cash Equivalent 5.81% Securitized 0.26% Credit Quality
Rating Value AA 20.09% AAA 79.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -18% ₹3,343 Cr 331,697,910 8.25% Govt Stock 2033
Sovereign Bonds | -9% ₹1,737 Cr 170,908,750 7.06% Govt Stock 2028
Sovereign Bonds | -7% ₹1,363 Cr 136,354,250
↓ -2,899,200 8.1% Govt Stock 2034
Sovereign Bonds | -4% ₹809 Cr 81,074,740 7.38% Govt Stock 2027
Sovereign Bonds | -2% ₹376 Cr 37,227,200 Small Industries Development Bank Of India
Debentures | -2% ₹368 Cr 37,000 Pipeline Infrastructure Limited
Debentures | -2% ₹338 Cr 3,379 Muthoot Finance Limited
Debentures | -2% ₹301 Cr 30,000 LIC Housing Finance Limited
Debentures | -2% ₹300 Cr 3,000 Small Industries Development Bank Of India
Debentures | -2% ₹299 Cr 3,000 4. Aditya Birla Sun Life Short Term Opportunities Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 18 in Short term Bond category. Return for 2023 was 6.9% , 2022 was 4.2% and 2021 was 3.8% . Aditya Birla Sun Life Short Term Opportunities Fund
Growth Launch Date 9 May 03 NAV (19 Apr 24) ₹43.0409 ↓ -0.04 (-0.08 %) Net Assets (Cr) ₹6,767 on 31 Mar 24 Category Debt - Short term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.11 Sharpe Ratio 0.39 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.87% Effective Maturity 4 Years 2 Months 5 Days Modified Duration 2 Years 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,737 31 Mar 21 ₹11,833 31 Mar 22 ₹12,390 31 Mar 23 ₹12,978 31 Mar 24 ₹13,927 Returns for Aditya Birla Sun Life Short Term Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.4% 3 Month 1.7% 6 Month 3.7% 1 Year 6.7% 3 Year 5.5% 5 Year 6.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 4.2% 2021 3.8% 2020 11.1% 2019 8.5% 2018 6.5% 2017 5.6% 2016 11.3% 2015 8.4% 2014 11.3% Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund
Name Since Tenure Kaustubh Gupta 11 Sep 14 9.56 Yr. Mohit Sharma 6 Aug 20 3.65 Yr. Dhaval Joshi 21 Nov 22 1.36 Yr. Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 18.86% Debt 80.22% Other 0.24% Debt Sector Allocation
Sector Value Government 46.78% Corporate 45.12% Cash Equivalent 5.49% Securitized 2.37% Credit Quality
Rating Value AA 14.56% AAA 85.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -9% ₹675 Cr 67,000,000
↑ 2,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -7% ₹536 Cr 53,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -7% ₹491 Cr 48,700,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹422 Cr 42,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -3% ₹207 Cr 20,750,000 Bharti Telecom Limited
Debentures | -2% ₹150 Cr 15,000 HDFC Bank Limited
Debentures | -2% ₹149 Cr 1,500 7.17% Govt Stock 2030
Sovereign Bonds | -2% ₹146 Cr 14,500,000 Embassy Office Parks Reit
Debentures | -2% ₹145 Cr 14,500 8.25% Govt Stock 2033
Sovereign Bonds | -2% ₹127 Cr 12,500,000 5. HDFC Short Term Debt Fund
CAGR/Annualized return of 8% since its launch. Ranked 30 in Short term Bond category. Return for 2023 was 7.1% , 2022 was 3.5% and 2021 was 3.9% . HDFC Short Term Debt Fund
Growth Launch Date 25 Jun 10 NAV (19 Apr 24) ₹28.917 ↓ -0.02 (-0.09 %) Net Assets (Cr) ₹12,915 on 31 Mar 24 Category Debt - Short term Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.74 Sharpe Ratio 0.97 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.86% Effective Maturity 4 Years 29 Days Modified Duration 2 Years 9 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,969 31 Mar 21 ₹11,903 31 Mar 22 ₹12,448 31 Mar 23 ₹12,996 31 Mar 24 ₹13,995 Returns for HDFC Short Term Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.4% 3 Month 1.9% 6 Month 3.9% 1 Year 7.2% 3 Year 5.5% 5 Year 6.9% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 3.5% 2021 3.9% 2020 11% 2019 9.7% 2018 7% 2017 6.5% 2016 9.3% 2015 8.7% 2014 10.4% Fund Manager information for HDFC Short Term Debt Fund
Name Since Tenure Anil Bamboli 25 Jun 10 13.78 Yr. Dhruv Muchhal 22 Jun 23 0.78 Yr. Data below for HDFC Short Term Debt Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 3.54% Debt 96.18% Other 0.28% Debt Sector Allocation
Sector Value Corporate 49.98% Government 46.35% Cash Equivalent 2.97% Securitized 0.43% Credit Quality
Rating Value AA 15.96% AAA 84.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹1,053 Cr 104,500,000 7.69% Govt Stock 2028
Sovereign Bonds | -4% ₹513 Cr 51,500,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹370 Cr 37,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -3% ₹362 Cr 36,500,000 7.26% Govt Stock 2032
Sovereign Bonds | -3% ₹349 Cr 34,500,000 Bharti Telecom Limited
Debentures | -2% ₹274 Cr 2,750 State Bank Of India
Debentures | -2% ₹249 Cr 2,500 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹226 Cr 22,500 Small Industries Development Bank Of India
Debentures | -2% ₹202 Cr 20,000 TVS Credit Services Limited
Debentures | -2% ₹201 Cr 200
बेस्ट शॉर्ट ड्यूरेशन डेट फंड में निवेश क्यों करें?
इन निवेशों की अल्पकालिक प्रकृति को देखते हुए, लघु अवधि (अल्पकालिक) डेट फंड बहुत अधिक रिटर्न की पेशकश नहीं करते हैं जैसेइक्विटी फ़ंड. हालांकि, निश्चित रूप से कई कारण हैं जो सुनिश्चित करते हैंनिवेश सर्वोत्तम लघु अवधि (अल्पावधि) में डेट फंड पूरी तरह से विचार करने योग्य है। उनमें से कुछ में शामिल हैं-
शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड उन निवेशकों के लिए एक बेहद उपयुक्त विकल्प हैं जो ऐसे निवेश करने के इच्छुक हैं जिनकी परिपक्वता लिक्विड और अल्ट्रा की तुलना में थोड़ी अधिक है।शॉर्ट टर्म डेट फंड्स लेकिन एक ही हाथ पर बहुत जोखिम भरा नहीं है।
शॉर्ट टर्म इन्वेस्टमेंट होने के कारण, यह फंड उन लोगों के लिए बहुत उपयुक्त है जो 1-3 साल के लिए अपने पैसे को निवेश से बेहतर रिटर्न अर्जित करने के लिए पार्क करना चाहते हैं।निश्चित आय एफडी जैसे निवेश विकल्प।
विश्लेषण के अनुसार, शॉर्ट टर्म बॉन्ड फंड लॉन्ग टर्म की तुलना में शामिल जोखिम के अनुसार बेहतर रिटर्न दर प्रदान करते हैंबांड. शॉर्ट ड्यूरेशन फंड राइजिंग के प्रति कम संवेदनशील होते हैंमुद्रास्फीति अन्य मध्यवर्ती की तुलना में औरलॉन्ग टर्म डेट फंड्स.
अंत में, शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड अत्यधिक तरल होते हैं, जिसका अर्थ है कि निवेशक अपने कैश तक आसानी से पहुंच सकते हैं। हालांकि, इस श्रेणी के तहत कुछ योजनाएं बहुत कम अवधि (ज्यादातर 1 महीने से 6 महीने) में निवेश को भुनाए जाने पर एक्जिट लोड चार्ज करती हैं। इसलिए, हमेशा सर्वोत्तम शॉर्ट ड्यूरेशन डेट फंड में समझदारी से निवेश करने का सुझाव दिया जाता है।
शॉर्ट ड्यूरेशन डेट फंड में ऑनलाइन निवेश कैसे करें?
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निष्कर्ष
निवेशक अपने निवेश पोर्टफोलियो को अपने अनुसार बदल सकते हैंजोखिम प्रोफाइल. चूंकि बांड बाजार ब्याज दरों में गिरावट का लाभ प्रदान करता है, इसलिए निवेश की अवधि बढ़ाकर बेहतर रिटर्न अर्जित किया जा सकता है। यहीं पर शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड आते हैं। ये फंड 2-3 साल की अवधि में लंबी अवधि के रिटर्न की पेशकश करने के लिए डेट मार्केट में निवेश करते हैं। तो, आज ही बेस्ट शॉर्ट ड्यूरेशन फंड में निवेश करें!
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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