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5 बेस्ट शॉर्ट ड्यूरेशन (शॉर्ट टर्म) डेट फंड्स 2022 में निवेश करने के लिए

Updated on January 19, 2026 , 28599 views

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

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
ICICI Prudential Short Term Fund Growth ₹62.1326
↑ 0.07 		₹20,93512.47.57.687.32%2Y 6M 29D4Y 7M 24D
HDFC Short Term Debt Fund Growth ₹32.9914
↑ 0.03 		₹18,0790.82.17.37.67.87.11%2Y 5M 12D3Y 6M 25D
Axis Short Term Fund Growth ₹31.8599
↑ 0.03 		₹12,7080.627.47.48.17.04%2Y 3M 14D2Y 10M 2D
Nippon India Short Term Fund Growth ₹54.3577
↑ 0.04 		₹9,7230.627.27.47.90%
Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹48.9705
↑ 0.06 		₹10,5750.6277.37.77.22%2Y 9M 18D3Y 6M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Jan 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Short Term FundHDFC Short Term Debt FundAxis Short Term FundNippon India Short Term FundAditya Birla Sun Life Short Term Opportunities Fund
Point 1Highest AUM (₹20,935 Cr).Upper mid AUM (₹18,079 Cr).Lower mid AUM (₹12,708 Cr).Bottom quartile AUM (₹9,723 Cr).Bottom quartile AUM (₹10,575 Cr).
Point 2Oldest track record among peers (24 yrs).Established history (15+ yrs).Established history (16+ yrs).Established history (23+ yrs).Established history (22+ yrs).
Point 3Top rated.Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 4★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 7.52% (top quartile).1Y return: 7.27% (lower mid).1Y return: 7.40% (upper mid).1Y return: 7.23% (bottom quartile).1Y return: 7.04% (bottom quartile).
Point 61M return: 0.18% (top quartile).1M return: 0.14% (upper mid).1M return: 0.01% (lower mid).1M return: 0.00% (bottom quartile).1M return: -0.06% (bottom quartile).
Point 7Sharpe: 1.58 (top quartile).Sharpe: 1.26 (lower mid).Sharpe: 1.41 (upper mid).Sharpe: 1.15 (bottom quartile).Sharpe: 1.14 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 7.32% (top quartile).Yield to maturity (debt): 7.11% (lower mid).Yield to maturity (debt): 7.04% (bottom quartile).Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 7.22% (upper mid).
Point 10Modified duration: 2.58 yrs (bottom quartile).Modified duration: 2.45 yrs (lower mid).Modified duration: 2.29 yrs (upper mid).Modified duration: 0.00 yrs (top quartile).Modified duration: 2.80 yrs (bottom quartile).

ICICI Prudential Short Term Fund

  • Highest AUM (₹20,935 Cr).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.52% (top quartile).
  • 1M return: 0.18% (top quartile).
  • Sharpe: 1.58 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.32% (top quartile).
  • Modified duration: 2.58 yrs (bottom quartile).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹18,079 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.27% (lower mid).
  • 1M return: 0.14% (upper mid).
  • Sharpe: 1.26 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.11% (lower mid).
  • Modified duration: 2.45 yrs (lower mid).

Axis Short Term Fund

  • Lower mid AUM (₹12,708 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.40% (upper mid).
  • 1M return: 0.01% (lower mid).
  • Sharpe: 1.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.04% (bottom quartile).
  • Modified duration: 2.29 yrs (upper mid).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹9,723 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.23% (bottom quartile).
  • 1M return: 0.00% (bottom quartile).
  • Sharpe: 1.15 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Short Term Opportunities Fund

  • Bottom quartile AUM (₹10,575 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.04% (bottom quartile).
  • 1M return: -0.06% (bottom quartile).
  • Sharpe: 1.14 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.22% (upper mid).
  • Modified duration: 2.80 yrs (bottom quartile).
 *सूची निधि के आधार परसंपत्ति>= 100 करोड़ पर छाँटा गया3 सालसीएजीआर वापसी.

1. ICICI Prudential Short Term Fund

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.

Research Highlights for ICICI Prudential Short Term Fund

  • Highest AUM (₹20,935 Cr).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 7.52% (top quartile).
  • 1M return: 0.18% (top quartile).
  • Sharpe: 1.58 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.32% (top quartile).
  • Modified duration: 2.58 yrs (bottom quartile).
  • Average maturity: 4.65 yrs (bottom quartile).
  • Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~85%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding LIC Housing Finance Ltd (~3.6%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund
Growth
Launch Date 25 Oct 01
NAV (22 Jan 26) ₹62.1326 ↑ 0.07   (0.10 %)
Net Assets (Cr) ₹20,935 on 31 Dec 25
Category Debt - Short term Bond
AMC ICICI Prudential Asset Management Company Limited
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1.04
Sharpe Ratio 1.58
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 7.32%
Effective Maturity 4 Years 7 Months 24 Days
Modified Duration 2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,388
31 Dec 22₹10,872
31 Dec 23₹11,676
31 Dec 24₹12,590
31 Dec 25₹13,594

ICICI Prudential Short Term Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential 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 22 Jan 26

DurationReturns
1 Month 0.2%
3 Month 1%
6 Month 2.4%
1 Year 7.5%
3 Year 7.6%
5 Year 6.3%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8%
2023 7.8%
2022 7.4%
2021 4.7%
2020 3.9%
2019 10.6%
2018 9.7%
2017 5.8%
2016 5.9%
2015 11.1%
Fund Manager information for ICICI Prudential Short Term Fund
NameSinceTenure
Manish Banthia19 Nov 0916.13 Yr.
Nikhil Kabra29 Dec 205.01 Yr.

Data below for ICICI Prudential Short Term Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash14.83%
Debt84.88%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate67.71%
Government22.39%
Cash Equivalent9.61%
Credit Quality
RatingValue
AA18.95%
AAA81.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -		4%₹757 Cr75,000
National Bank For Agriculture And Rural Development
Debentures | -		3%₹613 Cr60,500
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -		3%₹603 Cr600
6.48% Govt Stock 2035
Sovereign Bonds | -		3%₹595 Cr60,000,750
↑ 59,949,150
Vedanta Limited
Debentures | -		3%₹588 Cr58,500
↑ 7,500
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -		3%₹528 Cr525
6.82% Govt Stock 2033
Sovereign Bonds | -		2%₹497 Cr48,109,040
↓ -62,500
7.1% Govt Stock 2034
Sovereign Bonds | -		2%₹425 Cr41,358,430
6.54% Govt Stock 2034
Sovereign Bonds | -		2%₹408 Cr40,110,060
↓ -8,571,420
6.22% Govt Stock 2028
Sovereign Bonds | -		2%₹331 Cr32,821,800

2. HDFC Short Term Debt Fund

(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.

Research Highlights for HDFC Short Term Debt Fund

  • Upper mid AUM (₹18,079 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.27% (lower mid).
  • 1M return: 0.14% (upper mid).
  • Sharpe: 1.26 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.11% (lower mid).
  • Modified duration: 2.45 yrs (lower mid).
  • Average maturity: 3.57 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.18% Govt Stock 2033 (~2.9%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund
Growth
Launch Date 25 Jun 10
NAV (22 Jan 26) ₹32.9914 ↑ 0.03   (0.10 %)
Net Assets (Cr) ₹18,079 on 31 Dec 25
Category Debt - Short term Bond
AMC HDFC Asset Management Company Limited
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.69
Sharpe Ratio 1.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.11%
Effective Maturity 3 Years 6 Months 25 Days
Modified Duration 2 Years 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,386
31 Dec 22₹10,753
31 Dec 23₹11,521
31 Dec 24₹12,476
31 Dec 25₹13,452

HDFC Short Term Debt Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 26

DurationReturns
1 Month 0.1%
3 Month 0.8%
6 Month 2.1%
1 Year 7.3%
3 Year 7.6%
5 Year 6.1%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 8.3%
2022 7.1%
2021 3.5%
2020 3.9%
2019 11%
2018 9.7%
2017 7%
2016 6.5%
2015 9.3%
Fund Manager information for HDFC Short Term Debt Fund
NameSinceTenure
Anil Bamboli25 Jun 1015.53 Yr.
Dhruv Muchhal22 Jun 232.53 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash5.8%
Debt93.93%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate66.14%
Government28.12%
Cash Equivalent5.47%
Credit Quality
RatingValue
AA13.08%
AAA86.92%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -		3%₹516 Cr50,000,000
Aditya Birla Renewables Limited
Debentures | -		2%₹440 Cr43,500
Jubilant Beverages Limited
Debentures | -		2%₹412 Cr38,500
Jtpm Metal TRaders Limited
Debentures | -		2%₹371 Cr36,000
7.26% Govt Stock 2032
Sovereign Bonds | -		2%₹357 Cr34,500,000
Jamnagar Utilities & Power Private Limited
Debentures | -		2%₹356 Cr35,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -		2%₹352 Cr350
6.22% Govt Stock 2028
Sovereign Bonds | -		1%₹257 Cr25,500,000
National Bank For Agriculture And Rural Development
Debentures | -		1%₹255 Cr25,000
Bajaj Housing Finance Limited
Debentures | -		1%₹254 Cr25,000

3. Axis Short Term Fund

To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Short Term Fund

  • Lower mid AUM (₹12,708 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.40% (upper mid).
  • 1M return: 0.01% (lower mid).
  • Sharpe: 1.41 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.04% (bottom quartile).
  • Modified duration: 2.29 yrs (upper mid).
  • Average maturity: 2.84 yrs (upper mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~89%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.28% Govt Stock 2032 (~3.7%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund
Growth
Launch Date 22 Jan 10
NAV (22 Jan 26) ₹31.8599 ↑ 0.03   (0.10 %)
Net Assets (Cr) ₹12,708 on 31 Dec 25
Category Debt - Short term Bond
AMC Axis Asset Management Company Limited
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.88
Sharpe Ratio 1.41
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.04%
Effective Maturity 2 Years 10 Months 2 Days
Modified Duration 2 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,348
31 Dec 22₹10,730
31 Dec 23₹11,459
31 Dec 24₹12,376
31 Dec 25₹13,373

Axis Short Term Fund SIP Returns

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

Returns for Axis 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 22 Jan 26

DurationReturns
1 Month 0%
3 Month 0.6%
6 Month 2%
1 Year 7.4%
3 Year 7.4%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 8%
2022 6.8%
2021 3.7%
2020 3.5%
2019 10.1%
2018 9.8%
2017 6.3%
2016 5.9%
2015 9.6%
Fund Manager information for Axis Short Term Fund
NameSinceTenure
Devang Shah5 Nov 1213.16 Yr.
Aditya Pagaria3 Jul 232.5 Yr.

Data below for Axis Short Term Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash10.98%
Debt88.77%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate69.02%
Government25.06%
Cash Equivalent5.68%
Credit Quality
RatingValue
AA14.55%
AAA85.45%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.28% Govt Stock 2032
Sovereign Bonds | -		4%₹467 Cr47,385,300
↑ 4,500,000
National Bank For Agriculture And Rural Development
Debentures | -		3%₹405 Cr40,000
↑ 2,500
Power Finance Corporation Limited
Debentures | -		2%₹248 Cr25,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -		2%₹214 Cr213
7.18% Govt Stock 2033
Sovereign Bonds | -		2%₹196 Cr19,000,000
↓ -4,500,000
Indigrid Infrastructure Trust
Debentures | -		2%₹192 Cr19,000
National Bank For Agriculture And Rural Development
Debentures | -		1%₹182 Cr18,000
7.26% Govt Stock 2032
Sovereign Bonds | -		1%₹181 Cr17,500,000
↑ 17,500,000
Bharti Telecom Limited
Debentures | -		1%₹179 Cr18,000
↑ 18,000
Jubilant Beverages Limited
Debentures | -		1%₹169 Cr15,750

4. Nippon India Short Term Fund

The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securitites of a short term maturity.

Research Highlights for Nippon India Short Term Fund

  • Bottom quartile AUM (₹9,723 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.23% (bottom quartile).
  • 1M return: 0.00% (bottom quartile).
  • Sharpe: 1.15 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).
  • Average maturity: 0.00 yrs (top quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.32% Govt Stock 2030 (~5.3%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund
Growth
Launch Date 18 Dec 02
NAV (22 Jan 26) ₹54.3577 ↑ 0.04   (0.08 %)
Net Assets (Cr) ₹9,723 on 31 Dec 25
Category Debt - Short term Bond
AMC Nippon Life Asset Management Ltd.
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.94
Sharpe Ratio 1.15
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,442
31 Dec 22₹10,776
31 Dec 23₹11,511
31 Dec 24₹12,430
31 Dec 25₹13,409

Nippon India Short Term Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India 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 22 Jan 26

DurationReturns
1 Month 0%
3 Month 0.6%
6 Month 2%
1 Year 7.2%
3 Year 7.4%
5 Year 6%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 8%
2022 6.8%
2021 3.2%
2020 4.4%
2019 9.5%
2018 9.4%
2017 5.5%
2016 5.7%
2015 9.8%
Fund Manager information for Nippon India Short Term Fund
NameSinceTenure
Vivek Sharma1 Feb 205.92 Yr.
Kinjal Desai25 May 187.61 Yr.
Sushil Budhia31 Mar 214.76 Yr.
Lokesh Maru5 Sep 250.32 Yr.
Divya Sharma5 Sep 250.32 Yr.

Data below for Nippon India Short Term Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash6.96%
Debt92.8%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate54.24%
Government41.49%
Cash Equivalent4.03%
Credit Quality
RatingValue
AA14.61%
AAA85.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -		5%₹514 Cr49,500,000
↑ 2,500,000
7.02% Govt Stock 2031
Sovereign Bonds | -		4%₹379 Cr37,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -		3%₹299 Cr29,000,000
07.17 KA Sdl 2030
Sovereign Bonds | -		3%₹253 Cr25,000,000
07.93 Up SDL 2030
Sovereign Bonds | -		2%₹233 Cr22,500,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -		2%₹226 Cr225
7.17 Madhya Pradesh SDL 2031
Sovereign Bonds | -		2%₹205 Cr20,500,000
Aditya Birla Housing Finance Limited
Debentures | -		2%₹203 Cr20,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -		2%₹201 Cr200
Small Industries Development Bank Of India
Debentures | -		2%₹169 Cr16,500

5. Aditya Birla Sun Life Short Term Opportunities Fund

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.

Research Highlights for Aditya Birla Sun Life Short Term Opportunities Fund

  • Bottom quartile AUM (₹10,575 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.04% (bottom quartile).
  • 1M return: -0.06% (bottom quartile).
  • Sharpe: 1.14 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.22% (upper mid).
  • Modified duration: 2.80 yrs (bottom quartile).
  • Average maturity: 3.57 yrs (bottom quartile).
  • Exit load: 0-90 Days (0.5%),90 Days and above(NIL).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Bharti Telecom Limited (~4.8%).

Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund

Aditya Birla Sun Life Short Term Opportunities Fund
Growth
Launch Date 9 May 03
NAV (22 Jan 26) ₹48.9705 ↑ 0.06   (0.11 %)
Net Assets (Cr) ₹10,575 on 31 Dec 25
Category Debt - Short term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1
Sharpe Ratio 1.14
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 7.22%
Effective Maturity 3 Years 6 Months 25 Days
Modified Duration 2 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,384
31 Dec 22₹10,819
31 Dec 23₹11,562
31 Dec 24₹12,479
31 Dec 25₹13,445

Aditya Birla Sun Life Short Term Opportunities Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Short Term Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Jan 26

DurationReturns
1 Month -0.1%
3 Month 0.6%
6 Month 2%
1 Year 7%
3 Year 7.3%
5 Year 6.1%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.9%
2022 6.9%
2021 4.2%
2020 3.8%
2019 11.1%
2018 8.5%
2017 6.5%
2016 5.6%
2015 11.3%
Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund
NameSinceTenure
Kaustubh Gupta11 Sep 1411.31 Yr.
Mohit Sharma6 Aug 205.41 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Dec 25

Asset Allocation
Asset ClassValue
Cash2.29%
Debt97.44%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate63.03%
Government34.4%
Cash Equivalent2.29%
Credit Quality
RatingValue
AA14.8%
AAA85.2%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Telecom Limited
Debentures | -		5%₹509 Cr51,000
Rec Limited
Debentures | -		4%₹456 Cr45,000
Indian Railway Finance Corporation Limited
Debentures | -		4%₹420 Cr42,500
National Bank For Agriculture And Rural Development
Debentures | -		4%₹405 Cr40,000
Tata Capital Housing Finance Limited
Debentures | -		3%₹349 Cr35,000
Jtpm Metal TRaders Limited
Debentures | -		3%₹297 Cr28,773
7.1% Govt Stock 2034
Sovereign Bonds | -		3%₹292 Cr28,406,400
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -		3%₹281 Cr280
7.18% Govt Stock 2033
Sovereign Bonds | -		3%₹273 Cr26,500,000
Power Finance Corporation Limited
Debentures | -		3%₹271 Cr27,500

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?

  1. Fincash.com पर आजीवन मुफ्त निवेश खाता खोलें।

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    शुरू हो जाओ

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!

Disclaimer:
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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