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

Updated on September 15, 2025 , 28311 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
HDFC Short Term Debt Fund Growth ₹32.442
↑ 0.02
₹18,1431.14.58.17.7 6.8%2Y 4M 10D3Y 6M 25D
ICICI Prudential Short Term Fund Growth ₹61.0103
↑ 0.03
₹22,0701.24.58.17.7 7.11%2Y 2M 5D4Y 25D
Axis Short Term Fund Growth ₹31.3679
↑ 0.02
₹11,7601.24.88.57.5 6.76%2Y 2M 5D2Y 10M 20D
Nippon India Short Term Fund Growth ₹53.4781
↑ 0.03
₹8,73914.68.27.5 6.93%2Y 7M 24D3Y 4M 2D
Bandhan Bond Fund Short Term Plan Growth ₹57.8581
↑ 0.08
₹10,9440.94.37.97.5 6.45%2Y 10M 10D3Y 7M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Short Term Debt FundICICI Prudential Short Term FundAxis Short Term FundNippon India Short Term FundBandhan Bond Fund Short Term Plan
Point 1Upper mid AUM (₹18,143 Cr).Highest AUM (₹22,070 Cr).Lower mid AUM (₹11,760 Cr).Bottom quartile AUM (₹8,739 Cr).Bottom quartile AUM (₹10,944 Cr).
Point 2Established history (15+ yrs).Established history (23+ yrs).Established history (15+ yrs).Established history (22+ yrs).Oldest track record among peers (24 yrs).
Point 3Rating: 3★ (lower mid).Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 8.10% (bottom quartile).1Y return: 8.14% (lower mid).1Y return: 8.50% (top quartile).1Y return: 8.23% (upper mid).1Y return: 7.92% (bottom quartile).
Point 61M return: 0.38% (lower mid).1M return: 0.40% (upper mid).1M return: 0.42% (top quartile).1M return: 0.28% (bottom quartile).1M return: 0.36% (bottom quartile).
Point 7Sharpe: 2.01 (lower mid).Sharpe: 2.15 (upper mid).Sharpe: 2.19 (top quartile).Sharpe: 1.99 (bottom quartile).Sharpe: 1.90 (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): 6.80% (lower mid).Yield to maturity (debt): 7.11% (top quartile).Yield to maturity (debt): 6.76% (bottom quartile).Yield to maturity (debt): 6.93% (upper mid).Yield to maturity (debt): 6.45% (bottom quartile).
Point 10Modified duration: 2.36 yrs (lower mid).Modified duration: 2.18 yrs (top quartile).Modified duration: 2.18 yrs (upper mid).Modified duration: 2.65 yrs (bottom quartile).Modified duration: 2.86 yrs (bottom quartile).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹18,143 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.10% (bottom quartile).
  • 1M return: 0.38% (lower mid).
  • Sharpe: 2.01 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.80% (lower mid).
  • Modified duration: 2.36 yrs (lower mid).

ICICI Prudential Short Term Fund

  • Highest AUM (₹22,070 Cr).
  • Established history (23+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.14% (lower mid).
  • 1M return: 0.40% (upper mid).
  • Sharpe: 2.15 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.11% (top quartile).
  • Modified duration: 2.18 yrs (top quartile).

Axis Short Term Fund

  • Lower mid AUM (₹11,760 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.50% (top quartile).
  • 1M return: 0.42% (top quartile).
  • Sharpe: 2.19 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 2.18 yrs (upper mid).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹8,739 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.23% (upper mid).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 1.99 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.93% (upper mid).
  • Modified duration: 2.65 yrs (bottom quartile).

Bandhan Bond Fund Short Term Plan

  • Bottom quartile AUM (₹10,944 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.92% (bottom quartile).
  • 1M return: 0.36% (bottom quartile).
  • Sharpe: 1.90 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.45% (bottom quartile).
  • Modified duration: 2.86 yrs (bottom quartile).
*सूची निधि के आधार परसंपत्ति>= 100 करोड़ पर छाँटा गया3 सालसीएजीआर वापसी.

1. 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 (₹18,143 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.10% (bottom quartile).
  • 1M return: 0.38% (lower mid).
  • Sharpe: 2.01 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.80% (lower mid).
  • Modified duration: 2.36 yrs (lower mid).
  • Average maturity: 3.57 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~88%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.18% Govt Stock 2033 (~4.7%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund
Growth
Launch Date 25 Jun 10
NAV (17 Sep 25) ₹32.442 ↑ 0.02   (0.05 %)
Net Assets (Cr) ₹18,143 on 31 Jul 25
Category Debt - Short term Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.69
Sharpe Ratio 2.01
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.8%
Effective Maturity 3 Years 6 Months 25 Days
Modified Duration 2 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,600
31 Aug 22₹10,900
31 Aug 23₹11,630
31 Aug 24₹12,550
31 Aug 25₹13,583

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 17 Sep 25

DurationReturns
1 Month 0.4%
3 Month 1.1%
6 Month 4.5%
1 Year 8.1%
3 Year 7.7%
5 Year 6.3%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for HDFC Short Term Debt Fund
NameSinceTenure
Anil Bamboli25 Jun 1015.2 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

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

Asset Allocation
Asset ClassValue
Cash11.3%
Debt88.44%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate64.34%
Government29.44%
Cash Equivalent5.96%
Credit Quality
RatingValue
AA11.55%
AAA88.45%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
5%₹857 Cr82,500,000
Aditya Birla Renewables Limited
Debentures | -
2%₹441 Cr43,500
7.11% Govt Stock 2028
Sovereign Bonds | -
2%₹420 Cr41,500,000
Jubilant Beverages Limited
Debentures | -
2%₹398 Cr38,500
7.26% Govt Stock 2032
Sovereign Bonds | -
2%₹361 Cr34,500,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹333 Cr32,500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹257 Cr25,000
Bajaj Housing Finance Limited
Debentures | -
1%₹255 Cr25,000
Pipeline Infrastructure Limited
Debentures | -
1%₹254 Cr24,500
TATA Communications Limited
Debentures | -
1%₹250 Cr25,000
↑ 25,000

2. 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 (₹22,070 Cr).
  • Established history (23+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.14% (lower mid).
  • 1M return: 0.40% (upper mid).
  • Sharpe: 2.15 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.11% (top quartile).
  • Modified duration: 2.18 yrs (top quartile).
  • Average maturity: 4.07 yrs (bottom quartile).
  • Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~95%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.81% Govt Stock 2033 (~5.2%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund
Growth
Launch Date 25 Oct 01
NAV (17 Sep 25) ₹61.0103 ↑ 0.03   (0.06 %)
Net Assets (Cr) ₹22,070 on 31 Jul 25
Category Debt - Short term Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.04
Sharpe Ratio 2.15
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 7.11%
Effective Maturity 4 Years 25 Days
Modified Duration 2 Years 2 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,597
31 Aug 22₹10,986
31 Aug 23₹11,777
31 Aug 24₹12,675
31 Aug 25₹13,707

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 17 Sep 25

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 4.5%
1 Year 8.1%
3 Year 7.7%
5 Year 6.5%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for ICICI Prudential Short Term Fund
NameSinceTenure
Manish Banthia19 Nov 0915.79 Yr.
Nikhil Kabra29 Dec 204.68 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.19%
Debt94.54%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate64.78%
Government30.62%
Cash Equivalent4.32%
Credit Quality
RatingValue
AA19.36%
AAA80.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.81% Govt Stock 2033
Sovereign Bonds | -
5%₹1,157 Cr111,312,240
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹839 Cr82,160,010
↑ 45,314,000
LIC Housing Finance Ltd
Debentures | -
3%₹762 Cr75,000
6.99% Govt Stock 2034
Sovereign Bonds | -
3%₹710 Cr69,574,740
National Bank For Agriculture And Rural Development
Debentures | -
2%₹514 Cr50,500
Vedanta Limited
Debentures | -
2%₹512 Cr51,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹454 Cr45,000
↓ -10,000
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹403 Cr38,858,430
Small Industries Development Bank Of India
Debentures | -
2%₹374 Cr37,000
Small Industries Development Bank Of India
Debentures | -
2%₹368 Cr36,500

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 (₹11,760 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.50% (top quartile).
  • 1M return: 0.42% (top quartile).
  • Sharpe: 2.19 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 2.18 yrs (upper mid).
  • Average maturity: 2.89 yrs (top quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~81%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.28% Goi 2032 (14-Jul-2032) (~2.7%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund
Growth
Launch Date 22 Jan 10
NAV (17 Sep 25) ₹31.3679 ↑ 0.02   (0.05 %)
Net Assets (Cr) ₹11,760 on 31 Jul 25
Category Debt - Short term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.88
Sharpe Ratio 2.19
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.76%
Effective Maturity 2 Years 10 Months 20 Days
Modified Duration 2 Years 2 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,530
31 Aug 22₹10,846
31 Aug 23₹11,526
31 Aug 24₹12,394
31 Aug 25₹13,452

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 ₹200,132.
Net Profit of ₹20,132
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 17 Sep 25

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 4.8%
1 Year 8.5%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Axis Short Term Fund
NameSinceTenure
Devang Shah5 Nov 1212.83 Yr.
Aditya Pagaria3 Jul 232.17 Yr.

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

Asset Allocation
Asset ClassValue
Cash18.3%
Debt81.44%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate69.12%
Government20.8%
Cash Equivalent9.82%
Credit Quality
RatingValue
AA12.65%
AAA87.35%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.28% Goi 2032 (14-Jul-2032)
Sovereign Bonds | -
3%₹325 Cr32,737,200
↑ 32,500,000
Power Finance Corporation Limited
Debentures | -
2%₹299 Cr30,000
Rec Limited
Debentures | -
2%₹233 Cr22,954
↓ -400
6.79% Govt Stock 2034
Sovereign Bonds | -
2%₹216 Cr21,126,700
↑ 8,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹214 Cr21,000
↓ -5,000
6.79% Govt Stock 2031
Sovereign Bonds | -
2%₹194 Cr19,000,000
↑ 9,000,000
Indigrid Infrastructure Trust
Debentures | -
2%₹193 Cr19,000
Tata Capital Limited
Debentures | -
1%₹177 Cr1,750
Small Industries Development Bank Of India
Debentures | -
1%₹156 Cr15,500
↓ -2,000
Small Industries Development Bank Of India
Debentures | -
1%₹153 Cr15,000

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 (₹8,739 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.23% (upper mid).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 1.99 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.93% (upper mid).
  • Modified duration: 2.65 yrs (bottom quartile).
  • Average maturity: 3.34 yrs (upper mid).
  • 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 (~5.6%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund
Growth
Launch Date 18 Dec 02
NAV (17 Sep 25) ₹53.4781 ↑ 0.03   (0.06 %)
Net Assets (Cr) ₹8,739 on 31 Jul 25
Category Debt - Short term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.94
Sharpe Ratio 1.99
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.93%
Effective Maturity 3 Years 4 Months 2 Days
Modified Duration 2 Years 7 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,639
31 Aug 22₹10,923
31 Aug 23₹11,599
31 Aug 24₹12,474
31 Aug 25₹13,515

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 17 Sep 25

DurationReturns
1 Month 0.3%
3 Month 1%
6 Month 4.6%
1 Year 8.2%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Nippon India Short Term Fund
NameSinceTenure
Vivek Sharma1 Feb 205.59 Yr.
Kinjal Desai25 May 187.28 Yr.
Sushil Budhia31 Mar 214.42 Yr.

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

Asset Allocation
Asset ClassValue
Cash6.92%
Debt92.82%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate57.61%
Government37.93%
Cash Equivalent4.2%
Credit Quality
RatingValue
AA11.69%
AAA88.31%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -
6%₹503 Cr48,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
5%₹483 Cr46,500,000
7.02% Govt Stock 2031
Sovereign Bonds | -
5%₹413 Cr40,000,000
↑ 10,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹224 Cr22,000
7.17 Madhya Pradesh SDL 2031
Sovereign Bonds | -
2%₹209 Cr20,500,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹203 Cr20,000
Axis Bank Ltd.
Debentures | -
2%₹188 Cr4,000
↑ 4,000
Bajaj Housing Finance Limited
Debentures | -
2%₹175 Cr17,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹170 Cr16,500
Small Industries Development Bank Of India
Debentures | -
2%₹170 Cr16,500

5. Bandhan Bond Fund Short Term Plan

(Erstwhile IDFC Super Saver Income Fund - Short Term Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Bond Fund Short Term Plan

  • Bottom quartile AUM (₹10,944 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.92% (bottom quartile).
  • 1M return: 0.36% (bottom quartile).
  • Sharpe: 1.90 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.45% (bottom quartile).
  • Modified duration: 2.86 yrs (bottom quartile).
  • Average maturity: 3.59 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Higher exposure to Government (bond sector) vs peer median.
  • Debt-heavy allocation (~82%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.02% Govt Stock 2031 (~30.9%).
  • Top-3 holdings concentration ~40.1%.

Below is the key information for Bandhan Bond Fund Short Term Plan

Bandhan Bond Fund Short Term Plan
Growth
Launch Date 14 Dec 00
NAV (17 Sep 25) ₹57.8581 ↑ 0.08   (0.14 %)
Net Assets (Cr) ₹10,944 on 31 Jul 25
Category Debt - Short term Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.8
Sharpe Ratio 1.9
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.45%
Effective Maturity 3 Years 7 Months 2 Days
Modified Duration 2 Years 10 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,476
31 Aug 22₹10,714
31 Aug 23₹11,356
31 Aug 24₹12,235
31 Aug 25₹13,197

Bandhan Bond Fund Short Term Plan 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 Bandhan Bond Fund Short Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 25

DurationReturns
1 Month 0.4%
3 Month 0.9%
6 Month 4.3%
1 Year 7.9%
3 Year 7.5%
5 Year 5.8%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Bandhan Bond Fund Short Term Plan
NameSinceTenure
Suyash Choudhary11 Mar 1114.49 Yr.
Brijesh Shah10 Jun 241.23 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash17.95%
Debt81.78%
Other0.28%
Debt Sector Allocation
SectorValue
Government58.44%
Corporate33.2%
Cash Equivalent8.09%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.02% Govt Stock 2031
Sovereign Bonds | -
31%₹3,360 Cr325,600,000
↑ 66,800,000
06.83 Tn SDL 2031 15 Dec
Sovereign Bonds | -
5%₹502 Cr50,000,000
6.1% Govt Stock 2031
Sovereign Bonds | -
5%₹493 Cr50,000,000
↓ -10,000,000
Bajaj Housing Finance Limited
Debentures | -
4%₹482 Cr47,500,000
Tata Capital Limited
Debentures | -
4%₹445 Cr44,100,000
Bajaj Finance Limited
Debentures | -
3%₹276 Cr27,500,000
LIC Housing Finance Ltd
Debentures | -
3%₹275 Cr27,000,000
Bajaj Finance Limited
Debentures | -
2%₹266 Cr26,500,000
Tata Capital Housing Finance Limited
Debentures | -
2%₹254 Cr25,000,000
06.88 GJ Sdl 2031
Sovereign Bonds | -
2%₹252 Cr25,000,000

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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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:
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