Table of Contents
एसडब्ल्यूपी कैलकुलेटर एक ऐसा उपकरण है जो व्यक्तियों को यह गणना करने में मदद करता है कि उनका एसडब्ल्यूपी निवेश अवधि के दौरान कैसा रहेगा। SWP या सिस्टमैटिक विदड्रॉअल प्लान, यूनिट्स को रिडीम करने या इनमें निवेश करने की एक तकनीक हैम्यूचुअल फंड्स. एसडब्ल्यूपी में, व्यक्ति अपना पैसा म्यूचुअल फंड योजना में निवेश करते हैं और फिर एक निश्चित अवधि में अपने निवेश को वापस ले लेते हैं। एसडब्ल्यूपी आम तौर पर उन व्यक्तियों के लिए उपयुक्त है जो एक निश्चित की तलाश में हैंआय नियमित कार्यकाल के दौरान। यह लेख आपको सिस्टमैटिक विदड्रॉल प्लान की अवधारणा, एसडब्ल्यूपी कैलकुलेटर कैसे काम करता है, और अन्य संबंधित मापदंडों की समग्र समझ देता है।
म्यूचुअल फंड में व्यवस्थित निकासी योजना या एसडब्ल्यूपी म्यूचुअल फंड निवेश की इकाइयों को भुनाने की एक व्यवस्थित और नियोजित प्रक्रिया को संदर्भित करता है। SWP की अवधारणा इसके विपरीत तरीके से काम करती हैसिप. एसडब्ल्यूपी में, व्यक्ति म्यूचुअल फंड योजनाओं में एकमुश्त राशि का निवेश करते हैं जो आम तौर पर कम जोखिम वाली होती हैं, जैसेलिक्विड फंड या अल्ट्राअल्पकालिक निधि. इसके बाद व्यक्ति नियमित अंतराल पर निवेश की गई राशि को निकालना शुरू कर देते हैं। व्यक्ति अपनी आवश्यकताओं के आधार पर अपनी निकासी की आवृत्ति जैसे मासिक, त्रैमासिक, वार्षिक आदि को अनुकूलित कर सकते हैं। इस मामले में, म्यूचुअल फंड में निवेश किया गया पैसा भी व्यक्तियों के लिए राजस्व प्राप्त करता है। व्यक्ति, विशेष रूप से सेवानिवृत्त व्यक्ति, जो आय के नियमित स्रोत की तलाश में हैं, वे व्यवस्थित निकासी योजना का विकल्प चुन सकते हैं।म्यूचुअल फंड में निवेश.
SWP कैलकुलेटर व्यक्तियों को एक निश्चित अवधि में म्यूचुअल फंड निवेश में उनकी निकासी का अनुमान लगाने में मदद करता है। एसडब्ल्यूपी कैलकुलेटर में दर्ज किए जाने वाले इनपुट डेटा में शामिल हैं:
तो, आइए हम एक उदाहरण के साथ एसडब्ल्यूपी कैलकुलेटर की अवधारणा को विस्तृत रूप से समझते हैं।
एसडब्ल्यूपी तालिका की गणना नीचे दी गई है।
महीना | माह की शुरुआत में शेष राशि (INR) | मोचन राशि (INR) | अर्जित ब्याज (INR) | माह के अंत में शेष राशि (INR) |
---|---|---|---|---|
1 | 1,20,000 | 10,000 | 642 | 1,10,642 |
2 | 1,10,642 | 10,000 | 587 | 1,01,229 |
3 | 1,01,229 | 10,000 | 532 | 91,761 |
4 | 91,761 | 10,000 | 477 | 82,238 |
5 | 82,238 | 10,000 | 421 | 72,659 |
6 | 72,659 | 10,000 | 366 | 63,025 |
7 | 63,025 | 10,000 | 309 | 53,334 |
8 | 53,334 | 10,000 | 253 | 43,587 |
9 | 43,587 | 10,000 | 196 | 33,783 |
10 | 33,783 | 10,000 | 139 | 23,921 |
1 1 | 23,921 | 10,000 | 81 | 14,003 |
12 | 14,003 | 10,000 | 23 | 4,026 |
इस प्रकार, उपरोक्त तालिका से, यह कहा जा सकता है कि एसडब्ल्यूपी लेनदेन के माध्यम से म्यूचुअल फंड योजना का अर्जित लाभ 4,026 रुपये है।
VALUE AT END OF TENOR:₹4,597SWP Calculator
एसडब्ल्यूपी के कुछ प्रमुख लाभ इस प्रकार हैं।
SWP के प्राथमिक लाभों में से एक यह है कि व्यक्ति नियमित आय के स्रोत के रूप में व्यवस्थित निकासी योजना का उपयोग कर सकते हैं। ऐसा इसलिए है क्योंकि निकाली गई राशि स्थिर रहती है।
SWP व्यक्तियों के बीच एक अनुशासित निकासी की आदत बनाता है क्योंकि केवल एक निश्चित राशि निकाली जाती है और शेष धन को म्यूचुअल फंड में निवेश किया जाता है। यह रोकता हैराजधानी निवेश पर कटाव साथ ही, म्यूचुअल फंड में निवेश रिटर्न उत्पन्न करता है।
SWP सेवानिवृत्त व्यक्तियों के मामले में पेंशन के विकल्प के रूप में कार्य करता है। सेवानिवृत्त व्यक्ति एसडब्ल्यूपी के माध्यम से नियमित आय के लिए स्वयं को आश्वस्त कर सकते हैं।
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एसडब्ल्यूपी आम तौर पर म्यूचुअल फंड योजनाओं में किया जाता है जिसमें लिक्विड फंड जैसे जोखिम का स्तर कम होता है। इसलिए, लिक्विड/अल्ट्राशॉर्ट श्रेणी के तहत कुछ बेहतरीन म्यूचुअल फंड योजनाएं जिनकी शुद्ध संपत्ति . से अधिक है1000 करोड़
नीचे सूचीबद्ध हैं।
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹549.219
↑ 0.26 ₹18,981 2.2 4.1 8.1 7.4 7.9 6.92% 4M 13D 5M 8D ICICI Prudential Ultra Short Term Fund Growth ₹27.7422
↑ 0.01 ₹16,269 2 3.9 7.7 7.1 7.5 6.88% 5M 12D 8M 8D SBI Magnum Ultra Short Duration Fund Growth ₹5,982.99
↑ 2.85 ₹16,434 2 3.9 7.6 7 7.4 0.49% 5M 16D 6M 25D Invesco India Ultra Short Term Fund Growth ₹2,700.77
↑ 1.29 ₹1,227 1.9 3.9 7.5 6.9 7.5 6.59% 5M 16D 5M 24D Kotak Savings Fund Growth ₹42.9358
↑ 0.02 ₹15,401 1.9 3.8 7.5 6.9 7.2 6.63% 5M 23D 6M Nippon India Ultra Short Duration Fund Growth ₹4,033.27
↑ 1.69 ₹8,772 1.9 3.8 7.4 6.8 7.2 6.98% 5M 16D 7M 25D UTI Ultra Short Term Fund Growth ₹4,244.3
↑ 2.07 ₹4,351 1.9 3.7 7.4 6.8 7.2 6.73% 5M 11D 5M 16D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jul 25
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. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on (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. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (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. Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Savings Fund Returns up to 1 year are on (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. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized
return of 7.4% since its launch. Ranked 6 in Ultrashort Bond
category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (01 Jul 25) ₹549.219 ↑ 0.26 (0.05 %) Net Assets (Cr) ₹18,981 on 31 May 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.11 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.92% Effective Maturity 5 Months 8 Days Modified Duration 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,484 30 Jun 22 ₹10,887 30 Jun 23 ₹11,600 30 Jun 24 ₹12,464 30 Jun 25 ₹13,474 Returns for Aditya Birla Sun Life Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 2.2% 6 Month 4.1% 1 Year 8.1% 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 Sunaina Cunha 20 Jun 14 10.96 Yr. Kaustubh Gupta 15 Jul 11 13.89 Yr. Monika Gandhi 22 Mar 21 4.2 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 41.07% Debt 58.69% Other 0.24% Debt Sector Allocation
Sector Value Corporate 64.99% Cash Equivalent 18.97% Government 15.8% Credit Quality
Rating Value AA 35.5% AAA 64.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹613 Cr 60,000 Nirma Limited
Debentures | -3% ₹489 Cr 48,500 Small Industries Development Bank of India
Debentures | -2% ₹430 Cr 9,000 Gujarat (Government of)
- | -2% ₹379 Cr 37,500,000 Bharti Telecom Limited
Debentures | -2% ₹362 Cr 3,600 182 DTB 29082025
Sovereign Bonds | -2% ₹356 Cr 36,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹317 Cr 3,150 Mankind Pharma Limited
Debentures | -2% ₹309 Cr 30,500 Avanse Financial Services Limited
Debentures | -2% ₹301 Cr 30,000 Bharti Telecom Limited
Debentures | -1% ₹271 Cr 2,700 2. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized
return of 7.5% since its launch. Ranked 27 in Ultrashort Bond
category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (01 Jul 25) ₹27.7422 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹16,269 on 31 May 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 2.27 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 6.88% Effective Maturity 8 Months 8 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,502 30 Jun 22 ₹10,888 30 Jun 23 ₹11,583 30 Jun 24 ₹12,411 30 Jun 25 ₹13,362 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.9% 1 Year 7.7% 3 Year 7.1% 5 Year 6% 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 Manish Banthia 15 Nov 16 8.55 Yr. Ritesh Lunawat 15 Jun 17 7.97 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 44.32% Debt 55.45% Other 0.23% Debt Sector Allocation
Sector Value Corporate 58.66% Government 22.39% Cash Equivalent 18.73% Credit Quality
Rating Value AA 17.33% AAA 82.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -6% ₹1,047 Cr 103,500,000
↓ -5,500,000 LIC Housing Finance Ltd
Debentures | -4% ₹602 Cr 6,000 182 Days Tbill
Sovereign Bonds | -3% ₹492 Cr 50,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹384 Cr 38,000
↑ 7,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹377 Cr 3,750
↑ 1,000 Bharti Telecom Limited
Debentures | -2% ₹347 Cr 34,500 Larsen And Toubro Limited
Debentures | -2% ₹251 Cr 25,000 LIC Housing Finance Ltd
Debentures | -1% ₹226 Cr 2,250 HDFC Bank Ltd.
Debentures | -1% ₹214 Cr 4,500 Oberoi Realty Limited
Debentures | -1% ₹202 Cr 20,000 3. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized
return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (01 Jul 25) ₹5,982.99 ↑ 2.85 (0.05 %) Net Assets (Cr) ₹16,434 on 31 May 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 2.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0.49% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,380 30 Jun 22 ₹10,730 30 Jun 23 ₹11,414 30 Jun 24 ₹12,233 30 Jun 25 ₹13,162 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.9% 1 Year 7.6% 3 Year 7% 5 Year 5.6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7% 2022 4.5% 2021 3.4% 2020 5.9% 2019 8% 2018 7.9% 2017 6.6% 2016 7.7% 2015 8.3% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Sudhir Agrawal 15 May 25 0.05 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 68.73% Debt 31.08% Other 0.2% Debt Sector Allocation
Sector Value Corporate 43.49% Cash Equivalent 38.58% Government 17.73% Credit Quality
Rating Value AA 0.78% AAA 99.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.63% Govt Stock 2026
Sovereign Bonds | -4% ₹685 Cr 68,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹517 Cr 5,150 HDFC Bank Ltd.
Debentures | -3% ₹477 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹425 Cr 4,250 India (Republic of)
- | -2% ₹323 Cr 32,500,000
↑ 32,500,000 INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -2% ₹283 Cr 400 Citicorp Finance (India) Limited
Debentures | -1% ₹250 Cr 25,000 Rec Limited
Debentures | -1% ₹244 Cr 2,450 National Bank For Agriculture And Rural Development
Debentures | -1% ₹232 Cr 23,000 Tata Capital Housing Finance Limited
Debentures | -1% ₹221 Cr 2,200 4. Invesco India Ultra Short Term Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 40 in Ultrashort Bond
category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (01 Jul 25) ₹2,700.77 ↑ 1.29 (0.05 %) Net Assets (Cr) ₹1,227 on 31 May 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 2.08 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 30 Jun 20 ₹10,000 30 Jun 21 ₹10,324 30 Jun 22 ₹10,639 30 Jun 23 ₹11,277 30 Jun 24 ₹12,079 30 Jun 25 ₹12,988 Returns for Invesco India Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.9% 1 Year 7.5% 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 Krishna Cheemalapati 4 Jan 20 5.41 Yr. Vikas Garg 27 Jul 21 3.85 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 57.99% Debt 41.67% Other 0.33% Debt Sector Allocation
Sector Value Corporate 55.65% Cash Equivalent 33.36% Government 10.65% Credit Quality
Rating Value AA 24.4% AAA 75.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity 08.24 Tn SDL 2025sep
Sovereign Bonds | -4% ₹50 Cr 5,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹50 Cr 5,000,000 India (Republic of)
- | -4% ₹49 Cr 5,000,000 Export Import Bank Of India
Debentures | -3% ₹40 Cr 4,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹30 Cr 3,000,000 TATA Projects Limited
Debentures | -2% ₹25 Cr 2,500,000 Torrent Power Limited
Debentures | -2% ₹25 Cr 2,500,000 Godrej Industries Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹25 Cr 2,500,000 5. Kotak Savings Fund
CAGR/Annualized
return of 7.2% since its launch. Ranked 44 in Ultrashort Bond
category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (01 Jul 25) ₹42.9358 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹15,401 on 31 May 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 1.66 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.63% Effective Maturity 6 Months Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,371 30 Jun 22 ₹10,721 30 Jun 23 ₹11,393 30 Jun 24 ₹12,183 30 Jun 25 ₹13,091 Returns for Kotak Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.5% 3 Year 6.9% 5 Year 5.5% 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 Deepak Agrawal 15 Apr 08 17.14 Yr. Manu Sharma 1 Nov 22 2.58 Yr. Data below for Kotak Savings Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 55.91% Debt 43.84% Other 0.25% Debt Sector Allocation
Sector Value Corporate 57.28% Government 22.13% Cash Equivalent 20.33% Credit Quality
Rating Value AA 8.41% AAA 91.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.2% Govt Stock 2025
Sovereign Bonds | -5% ₹805 Cr 80,000,000 Bajaj Housing Finance Limited
Debentures | -4% ₹650 Cr 6,450 National Bank For Agriculture And Rural Development
Debentures | -4% ₹564 Cr 56,000 Rec Limited
Debentures | -3% ₹478 Cr 47,500 Mankind Pharma Limited
Debentures | -2% ₹303 Cr 30,000 182 Days Tbill
Sovereign Bonds | -2% ₹247 Cr 25,000,000 364 DTB 19mar2026
Sovereign Bonds | -1% ₹240 Cr 25,000,000 India (Republic of)
- | -1% ₹238 Cr 25,000,000 Bharti Telecom Limited
Debentures | -1% ₹226 Cr 2,250 08.49 Tn SDL 2026
Sovereign Bonds | -1% ₹204 Cr 20,080,000 6. Nippon India Ultra Short Duration Fund
CAGR/Annualized
return of 6.1% since its launch. Ranked 62 in Ultrashort Bond
category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (01 Jul 25) ₹4,033.27 ↑ 1.69 (0.04 %) Net Assets (Cr) ₹8,772 on 31 May 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 1.78 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.98% Effective Maturity 7 Months 25 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,563 30 Jun 22 ₹11,228 30 Jun 23 ₹11,923 30 Jun 24 ₹12,747 30 Jun 25 ₹13,692 Returns for Nippon India Ultra Short Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.4% 3 Year 6.8% 5 Year 6.5% 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 Vivek Sharma 1 Oct 13 11.67 Yr. Kinjal Desai 25 May 18 7.02 Yr. Akshay Sharma 1 Dec 22 2.5 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 52.98% Debt 46.77% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.37% Cash Equivalent 30.8% Government 12.58% Credit Quality
Rating Value AA 15.05% AAA 84.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹327 Cr 32,500 182 Days Tbill
Sovereign Bonds | -3% ₹247 Cr 25,000,000 Vedanta Limited
Debentures | -3% ₹241 Cr 24,000 LIQUID GOLD SERIES 10
Unlisted bonds | -3% ₹217 Cr 82 Small Industries Development Bank Of India
Debentures | -2% ₹201 Cr 2,000 182 Days Tbill
Sovereign Bonds | -2% ₹197 Cr 20,000,000 Interise TRust
Debentures | -2% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹184 Cr 1,850 Power Finance Corporation Limited
Debentures | -2% ₹177 Cr 17,500
↑ 7,500 Credila Financial Services Limited
Debentures | -2% ₹157 Cr 15,500 7. UTI Ultra Short Term Fund
CAGR/Annualized
return of 6.8% since its launch. Ranked 27 in Ultrashort Bond
category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (01 Jul 25) ₹4,244.3 ↑ 2.07 (0.05 %) Net Assets (Cr) ₹4,351 on 31 May 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 1.63 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.73% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,396 30 Jun 22 ₹11,020 30 Jun 23 ₹11,694 30 Jun 24 ₹12,502 30 Jun 25 ₹13,424 Returns for UTI Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 1 Jul 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.7% 1 Year 7.4% 3 Year 6.8% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.7% 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Anurag Mittal 21 Jan 25 0.36 Yr. Data below for UTI Ultra Short Term Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 62.93% Debt 36.88% Other 0.19% Debt Sector Allocation
Sector Value Corporate 60.71% Cash Equivalent 33.44% Government 5.66% Credit Quality
Rating Value AA 15.03% AAA 84.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹181 Cr 1,800 Titan Company Limited
Debentures | -3% ₹151 Cr 15,000
↑ 5,000 182 Days Tbill
Sovereign Bonds | -3% ₹148 Cr 1,500,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 LIC Housing Finance Ltd
Debentures | -2% ₹101 Cr 1,000
↑ 250 182 Days Tbill
Sovereign Bonds | -2% ₹99 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000 Indian Bank
Domestic Bonds | -2% ₹72 Cr 750,000,000
↑ 750,000,000 Indian Bank
Domestic Bonds | -2% ₹72 Cr 750,000,000 Muthoot Finance Limited
Debentures | -1% ₹50 Cr 5,000