Table of Contents

एसडब्ल्यूपी कैलकुलेटर - व्यवस्थित निकासी योजना कैलकुलेटर

Updated on April 19, 2025 , 36139 views

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 SWP का क्या मतलब 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.

एसडब्ल्यूपी म्यूचुअल फंड कैलकुलेटर

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:

एसडब्ल्यूपी/आहरण राशि - यह निश्चित निकासी राशि को संदर्भित करता है जिसे आप नियमित अंतराल पर निकालने की योजना बना रहे हैं।
प्रारंभिक निवेश - प्रारंभिक निवेश एकमुश्त राशि को संदर्भित करता है जिसे आप म्यूचुअल फंड योजना में निवेश करना चाहते हैं।
निकासी आवृत्ति - निकासी आवृत्ति, उस समय सीमा को संदर्भित करती है जिस पर आप अपना निवेश वापस लेना चाहते हैं। यह मासिक, साप्ताहिक या त्रैमासिक हो सकता है। आम तौर पर गणना मासिक के लिए की जाती है।
रिटर्न की अपेक्षित दर - इसका मतलब है कि आप अपने निवेश पर रिटर्न की उम्मीद कर रहे हैं।

तो, आइए हम एक उदाहरण के साथ एसडब्ल्यूपी कैलकुलेटर की अवधारणा को विस्तृत रूप से समझते हैं।

नमूना चित्रण

प्रारंभिक निवेश राशि - INR 1.20,000
एसडब्ल्यूपी राशि - INR 10,000
निकासी अवधि - 12 महीने
वापसी की अपेक्षित दर - 7%

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।

SWP Calculator

VALUE AT END OF TENOR:₹4,597

व्यवस्थित निकासी योजना के लाभ

एसडब्ल्यूपी के कुछ प्रमुख लाभ इस प्रकार हैं।

नियमित आय प्रवाह

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।

अनुशासित निकासी की आदत

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।

पेंशन के लिए विकल्प

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।

Ready to Invest?
Talk to our investment specialist

2022 के लिए सर्वश्रेष्ठ एसडब्ल्यूपी म्यूचुअल फंड

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 (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹541.107 ↑ 0.25	₹13,294	2.2	4.1	7.9	7	7.9	7.75%	6M 25D	7M 28D
SBI Magnum Ultra Short Duration Fund Growth	₹5,901.32 ↑ 1.35	₹12,470	2.1	3.8	7.6	6.7	7.4	7.28%	5M 8D	8M 16D
ICICI Prudential Ultra Short Term Fund Growth	₹27.3475 ↑ 0.01	₹12,674	2.1	3.8	7.5	6.8	7.5	7.53%	5M 8D	7M 28D
Kotak Savings Fund Growth	₹42.3589 ↑ 0.01	₹11,873	2.1	3.8	7.4	6.6	7.2	7.32%	6M 4D	6M 14D
Nippon India Ultra Short Duration Fund Growth	₹3,979.96 ↑ 1.20	₹6,498	2	3.7	7.4	6.6	7.2	7.73%	5M 4D	7M 1D
BOI AXA Liquid Fund Growth	₹2,971.39 ↑ 0.54	₹1,524	1.9	3.7	7.4	6.9	7.4	6.94%	2M 1D	2M 1D
UTI Ultra Short Term Fund Growth	₹4,188.54 ↑ 0.83	₹3,143	2	3.7	7.3	6.5	7.2	7.57%	5M 23D	6M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 25

1. Aditya Birla Sun Life Savings Fund

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

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 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% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (22 Apr 25)	₹541.107 ↑ 0.25 (0.05 %)
Net Assets (Cr)	₹13,294 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.09
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	7 Months 28 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,634
31 Mar 22	₹11,077
31 Mar 23	₹11,676
31 Mar 24	₹12,543
31 Mar 25	₹13,517

Aditya Birla Sun Life Savings Fund SIP Returns

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

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.2%
6 Month	4.1%
1 Year	7.9%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%
2014	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.7 Yr.
Kaustubh Gupta	15 Jul 11	13.64 Yr.
Monika Gandhi	22 Mar 21	3.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	40.5%
Debt	59.18%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	69.04%
Cash Equivalent	24.5%
Government	6.14%

Credit Quality

Rating	Value
AA	33.14%
AAA	66.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Company Limited Debentures \| -	4%	₹603 Cr	60,000
Nirma Limited Debentures \| -	3%	₹485 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹471 Cr	47,500,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹340 Cr	35,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹305 Cr	30,500
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹299 Cr	30,000
Axis Bank Ltd. Debentures \| -	2%	₹279 Cr	6,000 ↑ 6,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹270 Cr	27,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹250 Cr	25,000 ↓ -5,000

2. SBI Magnum Ultra Short Duration Fund

(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 CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (22 Apr 25)	₹5,901.32 ↑ 1.35 (0.02 %)
Net Assets (Cr)	₹12,470 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	1.98
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.28%
Effective Maturity	8 Months 16 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,516
31 Mar 22	₹10,893
31 Mar 23	₹11,453
31 Mar 24	₹12,277
31 Mar 25	₹13,186

SBI Magnum Ultra Short Duration Fund SIP Returns

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

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2.1%
6 Month	3.8%
1 Year	7.6%
3 Year	6.7%
5 Year	5.7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.5%
2020	3.4%
2019	5.9%
2018	8%
2017	7.9%
2016	6.6%
2015	7.7%
2014	8.3%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Rajeev Radhakrishnan	27 Dec 24	0.26 Yr.
Ardhendu Bhattacharya	1 Dec 23	1.33 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	61.18%
Debt	38.53%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	46.36%
Corporate	33.97%
Government	19.38%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 31072025 Sovereign Bonds \| -	4%	₹454 Cr	46,500,000 ↓ -3,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹421 Cr	4,250
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹417 Cr	41,500,000 ↓ -16,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹384 Cr	3,850
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
INDIA UNIVERSAL TRUST AL2 Unlisted bonds \| -	3%	₹340 Cr	400
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000
Rec Limited Debentures \| -	2%	₹241 Cr	2,450
Tata Capital Housing Finance Limited Debentures \| -	2%	₹220 Cr	2,200
08.18 HR UDAY 2025 Domestic Bonds \| -	2%	₹211 Cr	21,000,000

3. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

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

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 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% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (22 Apr 25)	₹27.3475 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹12,674 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.69
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	7.53%
Effective Maturity	7 Months 28 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,589
31 Mar 22	₹11,009
31 Mar 23	₹11,594
31 Mar 24	₹12,428
31 Mar 25	₹13,344

ICICI Prudential Ultra Short Term Fund SIP Returns

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

Returns for ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.1%
6 Month	3.8%
1 Year	7.5%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%
2014	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.3 Yr.
Ritesh Lunawat	15 Jun 17	7.72 Yr.

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

Asset Allocation

Asset Class	Value
Cash	45.31%
Debt	54.4%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	56.83%
Cash Equivalent	24.3%
Government	18.59%

Credit Quality

Rating	Value
AA	20.39%
AAA	79.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹583 Cr	58,000,000 ↑ 10,000,000
India (Republic of) - \| -	4%	₹484 Cr	50,000,000 ↑ 50,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹434 Cr	4,350
Bharti Telecom Limited Debentures \| -	3%	₹351 Cr	35,000 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹304 Cr	30,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹299 Cr	3,000
Small Industries Development Bank Of India Debentures \| -	2%	₹299 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹249 Cr	2,500
LIC Housing Finance Limited Debentures \| -	2%	₹225 Cr	2,250 ↓ -500
Oberoi Realty Ltd. Debentures \| -	2%	₹200 Cr	20,000

4. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

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 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% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (22 Apr 25)	₹42.3589 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹11,873 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	6 Months 14 Days
Modified Duration	6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,510
31 Mar 22	₹10,871
31 Mar 23	₹11,437
31 Mar 24	₹12,236
31 Mar 25	₹13,117

Kotak Savings Fund SIP Returns

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

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.1%
6 Month	3.8%
1 Year	7.4%
3 Year	6.6%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%
2014	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	16.89 Yr.
Manu Sharma	1 Nov 22	2.33 Yr.

Data below for Kotak Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	59.38%
Debt	40.3%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	59.06%
Cash Equivalent	24.21%
Government	16.42%

Credit Quality

Rating	Value
AA	9.91%
AAA	90.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹495 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹474 Cr	47,500
Mankind Pharma Ltd Debentures \| -	2%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹229 Cr	2,300
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
08.49 Tn SDL 2026 Sovereign Bonds \| -	2%	₹204 Cr	20,080,000
Vedanta Limited Debentures \| -	2%	₹199 Cr	20,000
Axis Bank Ltd. Debentures \| -	1%	₹186 Cr	20,000 ↑ 20,000
Small Industries Development Bank of India Debentures \| -	1%	₹186 Cr	20,000 ↑ 20,000

5. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

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

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 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% .

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

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (22 Apr 25)	₹3,979.96 ↑ 1.20 (0.03 %)
Net Assets (Cr)	₹6,498 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.08
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	7 Months 1 Day
Modified Duration	5 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,494
31 Mar 22	₹11,303
31 Mar 23	₹11,890
31 Mar 24	₹12,714
31 Mar 25	₹13,630

Nippon India Ultra Short Duration Fund SIP Returns

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

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2%
6 Month	3.7%
1 Year	7.4%
3 Year	6.6%
5 Year	6.4%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%
2014	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.42 Yr.
Kinjal Desai	25 May 18	6.77 Yr.
Akshay Sharma	1 Dec 22	2.25 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	51.91%
Debt	47.8%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	51.73%
Cash Equivalent	36.55%
Government	11.44%

Credit Quality

Rating	Value
AA	19.13%
AAA	80.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹309 Cr	3,100
India (Republic of) - \| -	3%	₹242 Cr	25,000,000 ↑ 25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹241 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹199 Cr	2,000
Indinfravit Trust Debentures \| -	3%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹182 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹166 Cr	16,500
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
Canara Bank Domestic Bonds \| -	2%	₹140 Cr	3,000 ↑ 3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500

6. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (22 Apr 25)	₹2,971.39 ↑ 0.54 (0.02 %)
Net Assets (Cr)	₹1,524 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	4.1
Information Ratio	-0.18
Alpha Ratio	-0.04
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,353
31 Mar 22	₹10,704
31 Mar 23	₹11,316
31 Mar 24	₹12,140
31 Mar 25	₹13,036

BOI AXA Liquid Fund SIP Returns

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

Returns for BOI AXA Liquid 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 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.7%
1 Year	7.4%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.9%
2020	3.3%
2019	4.1%
2018	6.4%
2017	7.4%
2016	6.7%
2015	7.6%
2014	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.62 Yr.

Data below for BOI AXA Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	71.33%
Corporate	17.78%
Government	10.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Certificate of Deposit \| -	5%	₹98 Cr	10,000,000 ↑ 10,000,000
India (Republic of) - \| -	5%	₹93 Cr	9,382,500 ↑ 9,382,500
Axis Bank Ltd. Certificate of Deposit \| -	4%	₹80 Cr	8,100,000
Union Bank Of India Certificate of Deposit \| -	4%	₹75 Cr	7,500,000 ↓ -2,500,000
LIC Housing Finance Ltd Commercial Paper \| -	4%	₹75 Cr	7,500,000
HDFC Securities Limited Commercial Paper \| -	4%	₹74 Cr	7,500,000
India (Republic of) - \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Canara Bank Domestic Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Kotak Securities Ltd Commercial Paper \| -	3%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹50 Cr	5,000,000

7. UTI Ultra Short Term Fund

(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 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% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (22 Apr 25)	₹4,188.54 ↑ 0.83 (0.02 %)
Net Assets (Cr)	₹3,143 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,498
31 Mar 22	₹11,148
31 Mar 23	₹11,703
31 Mar 24	₹12,516
31 Mar 25	₹13,414

UTI Ultra Short Term Fund SIP Returns

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

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2%
6 Month	3.7%
1 Year	7.3%
3 Year	6.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%
2014	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.19 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	62.89%
Debt	36.86%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	51.62%
Cash Equivalent	38.62%
Government	9.52%

Credit Quality

Rating	Value
AA	20.97%
AAA	79.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	3%	₹97 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Shriram Transport Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000
India Grid TRust Debentures \| -	2%	₹50 Cr	500
Small Industries Development Bank Of India Debentures \| -	2%	₹50 Cr	500 ↑ 500
HDFC Bank Limited Debentures \| -	2%	₹50 Cr	5,000
Avanse Financial Services Limited Debentures \| -	2%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

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।