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फिनकैश »आवर्ती जमा

आवर्ती जमा (आरडी) क्या है?

Updated on February 28, 2024 , 56435 views

यदि आप जानते हैं कि कैसे एक व्यवस्थितनिवेश योजना (सिप) काम्यूचुअल फंड्स काम करता है, तो आप आसानी से Recurring Deposits को समझ जाएंगे! आवर्ती जमा (आरडी) में हर महीने एक निश्चित किस्त की जाती है और ब्याज का भुगतान किया जाता हैबैंक इस राशि पर। आइए हम RD खाते के बारे में अधिक समझते हैं,आरडी ब्याज दरें,आरडी कैलकुलेटर, आरडी ब्याज कैलकुलेटर, आदि।

आवर्ती जमा (आरडी)

आवर्ती जमा उन लोगों के लिए एक निवेश सह बचत विकल्प है जो एक निश्चित अवधि में नियमित रूप से बचत करना चाहते हैं और उच्च ब्याज दर अर्जित करना चाहते हैं। हर महीने, एक निश्चित राशि की कटौती या तो a . से की जाती हैबचत खाता या एक चालू खाता। परिपक्वता अवधि के अंत में, निवेशकों को उनके निवेशित धन का भुगतान किया जाता हैउपार्जित ब्याज.

Recurring-Deposit

एक सार्वजनिक क्षेत्र के बैंक में, एक आरडी खाता न्यूनतम राशि के साथ खोला जा सकता है जो कम से कम 100 रुपये है। जबकि, निजी क्षेत्र के बैंकों में जमा की जाने वाली न्यूनतम राशि INR 500 से INR 1000 है, जबकि एक मेंडाक बंगला कोई सिर्फ 10 रुपये में खाता खोल सकता है। कुछ बैंकों की ऊपरी सीमा 15 लाख रुपये है, जबकि अन्य में ऐसी कोई ऊपरी सीमा नहीं है। आवर्ती जमा के लिए कार्यकाल न्यूनतम तीन महीने और अधिकतम 10 वर्ष है।

आरडी खाता: विशेषताएं

  • यह लोगों में बचत की आदत पैदा करता है
  • आवर्ती जमा में ब्याज दर अधिक होती है
  • आरडी योजनाएं, चाहे कुछ भी हों, एक स्थिर और सुरक्षित निवेश विकल्प प्रदान करती हैंमंडी उतार चढ़ाव
  • निवेशक परिपक्वता अवधि से पहले अपना आरडी खाता बंद कर सकते हैं। लेकिन, समय से पहले निकासी के दौरान, निवेशकों को बैंक के आधार पर कुछ राशि पेनल्टी के रूप में चुकानी पड़ सकती है।
  • आवर्ती जमा के बदले निवेशक शेष राशि के 60-90% तक के ऋण का विकल्प चुन सकते हैं
  • बैंक छह छूटी हुई किश्तों पर खाते को बंद कर सकता है। लेकिन, यदि बकाया राशि का भुगतान अंतिम तिथि से एक माह के भीतर कर दिया जाता हैचूक, इसे पुनर्जीवित किया जा सकता है।
  • आवर्ती जमा नामांकन के साथ आते हैंसुविधा
  • आवर्ती जमा में कोई टीडीएस (स्रोत पर कर कटौती) नहीं है। ब्याज का हिस्सा कर योग्य है और इसे a . में जोड़ा जाएगाइन्वेस्टर'एसआय और संबंधित स्लैब के अनुसार कर लगाया।

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आरडी ब्याज दरें

भारत में लगभग सभी प्रमुख बैंक एक आवर्ती जमा खाता प्रदान करते हैं। प्रत्येक बैंक में ब्याज दर भिन्न हो सकती है, लेकिन यह आमतौर पर के बीच होती है7% से 9.25% प्रति वर्ष, और डाकघर में यह है7.4% (मौजूदा बाजार की स्थिति के आधार पर)। वरिष्ठ नागरिकों को मिलता है0.5% अतिरिक्त। एक बार निर्धारित ब्याज दर कार्यकाल के दौरान नहीं बदलती है। जो निवेशक एक बार में एक से ज्यादा किस्त देना चाहते हैं, वे ऐसा कर सकते हैं।

आरडी कैलकुलेटर

आवर्ती जमा कैलकुलेटर आरडी पर परिपक्वता राशि की गणना करने का एक अच्छा तरीका है। मैच्योरिटी पर अपनी आरडी राशि का अनुमान लगाने के लिए आप इस तरीके का पालन कर सकते हैं।

आरडी कैलकुलेटर INR
मासिक जमा राशि 200
महीने में आरडी 60
ब्याज की दर 8%
रुचिकंपाउंडिंग आवृत्ति महीने के
आरडी मैच्योरिटी राशि INR 1,47,933

आरडी ब्याज कैलकुलेटर

RD ब्याज कैलकुलेटर की मदद से ग्राहक अपनी क्षमता का निर्धारण कर सकते हैंआय. आपको वह राशि तय करनी होगी जो आप मासिक निवेश करना चाहते हैं और निवेश की अवधि (उदाहरण नीचे दिखाया गया है)।

आरडी ब्याज कैलकुलेटर
राशि INR 1000
ब्याज दर 8% प्रति वर्ष
अवधि 12 महीने

सारांश- भुगतान की गई कुल राशि-INR 12,000 कुल परिपक्वता राशि-INR 12,530 प्राप्य कुल ब्याज-INR 530

निष्कर्ष

आवर्ती जमा व्यक्तियों को नियमित रूप से बचत करने की आदत डालने में मदद करता है। अगर आपने अब तक कोई निवेश नहीं किया है, तो रेकरिंग डिपॉजिट से शुरुआत करें। साथ ही, यह एक आपातकालीन निधि या आकस्मिक निधि बनाने का एक अच्छा अवसर है। यह आपकी छोटी अवधि और लंबी अवधि के लिए हर महीने एक छोटी राशि बचाने का एक आदर्श तरीका हैवित्तीय लक्ष्यों.

आज ही आवर्ती जमा खाता खोलें और कल के लिए बचत करें!

समान विकल्प

म्यूचुअल फंड में मूलधन पर समान सुरक्षा के साथ आरडी से अधिक कमा सकते हैंनिवेश लिक्विड या अल्ट्रा शॉर्ट मेंगहरा संबंध फंड के रूप में वे प्रतिभूतियों में निवेश करते हैं जो 30 दिनों से लेकर साल तक परिपक्व होते हैं।

लिक्विड/अल्ट्रा शॉर्ट डेट म्यूचुअल फंड

1. 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% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% .

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 (01 Mar 24) ₹3,665.77 ↑ 0.74   (0.02 %)
Net Assets (Cr) ₹5,319 on 31 Jan 24
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.17
Sharpe Ratio -1.19
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 8.01%
Effective Maturity 5 Months 20 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,090
28 Feb 21₹10,499
28 Feb 22₹11,331
28 Feb 23₹11,885
29 Feb 24₹12,707

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
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 1 Mar 24

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.3%
1 Year 6.9%
3 Year 6.6%
5 Year 4.9%
10 Year
15 Year
Since launch 6%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 8.4%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 1310.34 Yr.
Kinjal Desai25 May 185.69 Yr.
Akshay Sharma1 Dec 221.17 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Jan 24

Asset Allocation
Asset ClassValue
Cash73.84%
Debt25.91%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate48.26%
Cash Equivalent41.8%
Government9.69%
Credit Quality
RatingValue
AA11.76%
AAA88.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indinfravit Trust
Debentures | -
4%₹216 Cr22,000
182 DTB 14032024
Sovereign Bonds | -
4%₹198 Cr20,000,000
National Housing Bank
Debentures | -
2%₹125 Cr12,500
08.39 RJ UDAY 2024
Domestic Bonds | -
2%₹100 Cr10,000,000
LIC Housing Finance Limited
Debentures | -
2%₹100 Cr1,000
182 DTB 16022024
Sovereign Bonds | -
2%₹99 Cr10,000,000
182 DTB 07032023
Sovereign Bonds | -
2%₹99 Cr10,000,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹98 Cr1,000
Shriram Transport Finance Company Limited
Debentures | -
2%₹95 Cr9,500
Axis Bank Ltd.
Debentures | -
2%₹93 Cr2,000
↑ 2,000

2. 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 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

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 (01 Mar 24) ₹495.02 ↑ 0.05   (0.01 %)
Net Assets (Cr) ₹12,852 on 31 Jan 24
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 1.19
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.98%
Effective Maturity 6 Months 4 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,817
28 Feb 21₹11,494
28 Feb 22₹11,981
28 Feb 23₹12,595
29 Feb 24₹13,524

Aditya Birla Sun Life Savings 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 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 1 Mar 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.5%
1 Year 7.4%
3 Year 5.6%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 9.7%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 149.62 Yr.
Kaustubh Gupta15 Jul 1112.56 Yr.
Monika Gandhi22 Mar 212.87 Yr.
Dhaval Joshi21 Nov 221.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jan 24

Asset Allocation
Asset ClassValue
Cash53.87%
Debt45.83%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate53.52%
Cash Equivalent31.61%
Government14.46%
Securitized0.11%
Credit Quality
RatingValue
AA28.63%
AAA71.37%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
5%₹597 Cr6,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹359 Cr36,000
Hindalco Industries Limited
Debentures | -
3%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
3%₹326 Cr3,250
Bharti Hexacom Limited
Debentures | -
2%₹315 Cr3,150
Pipeline Infrastructure Limited
Debentures | -
2%₹311 Cr3,100
7.32% Govt Stock 2024
Sovereign Bonds | -
2%₹295 Cr29,500,000
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹248 Cr2,500
HDFC Bank Limited
Debentures | -
2%₹244 Cr2,450
National Bank For Agriculture And Rural Development
Debentures | -
2%₹227 Cr2,285
↑ 250

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 7.4% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% .

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 (01 Mar 24) ₹25.138 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹13,854 on 31 Jan 24
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 0
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 7.91%
Effective Maturity 4 Months 20 Days
Modified Duration 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,840
28 Feb 21₹11,472
28 Feb 22₹11,936
28 Feb 23₹12,525
29 Feb 24₹13,425

ICICI Prudential Ultra 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 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 1 Mar 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 7.2%
3 Year 5.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 14.8%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 167.22 Yr.
Ritesh Lunawat15 Jun 176.64 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jan 24

Asset Allocation
Asset ClassValue
Cash75.02%
Debt24.74%
Other0.24%
Debt Sector Allocation
SectorValue
Cash Equivalent42.92%
Corporate42.85%
Government14%
Credit Quality
RatingValue
AA17%
AAA83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
3%₹395 Cr40,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹340 Cr3,400
↑ 1,650
LIC Housing Finance Limited
Debentures | -
2%₹295 Cr2,950
National Bank For Agriculture And Rural Development
Debentures | -
2%₹275 Cr2,750
08.35 SBI RT SB 2024
Domestic Bonds | -
2%₹251 Cr25,000,000
Bharti Telecom Limited
Debentures | -
1%₹201 Cr20,000
Mahindra Rural Housing Finance Limited
Debentures | -
1%₹200 Cr2,000
The Tata Power Company Limited
Debentures | -
1%₹200 Cr2,000
Bajaj Housing Finance Limited
Debentures | -
1%₹200 Cr2,000
Apollo Building Products Private Limited
Debentures | -
1%₹199 Cr20,000

4. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (01 Mar 24) ₹3,104.72 ↑ 0.58   (0.02 %)
Net Assets (Cr) ₹2,629 on 31 Jan 24
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio -1.18
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.91%
Effective Maturity 5 Months 12 Days
Modified Duration 4 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,692
28 Feb 21₹11,144
28 Feb 22₹11,484
28 Feb 23₹11,999
29 Feb 24₹12,826

DSP BlackRock Money Manager 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 DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Mar 24

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.4%
1 Year 6.9%
3 Year 4.8%
5 Year 5.1%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.7%
2022 4.1%
2021 2.9%
2020 4.7%
2019 7.3%
2018 5%
2017 6%
2016 7.5%
2015 7.9%
2014 8.8%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Kedar Karnik17 Jul 167.55 Yr.
Karan Mundhra31 May 212.67 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Jan 24

Asset Allocation
Asset ClassValue
Cash65.25%
Debt34.51%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate51.43%
Cash Equivalent32.38%
Government15.95%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
6%₹180 Cr1,750
Bank of Baroda
Debentures | -
3%₹97 Cr2,000
↑ 2,000
India (Republic of)
- | -
3%₹82 Cr8,500,000
↑ 8,500,000
Grasim Industries Limited
Debentures | -
3%₹79 Cr750
7.35% Govt Stock 2024
Sovereign Bonds | -
3%₹78 Cr7,800,000
LIC Housing Finance Limited
Debentures | -
3%₹77 Cr750
364 DTB 26012024
Sovereign Bonds | -
3%₹75 Cr7,500,000
LIC Housing Finance Limited
Debentures | -
3%₹72 Cr700
↑ 200
Rec Limited
Debentures | -
2%₹52 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹51 Cr500

5. 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 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (01 Mar 24) ₹3,860.7 ↑ 0.75   (0.02 %)
Net Assets (Cr) ₹1,815 on 31 Jan 24
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio -0.9
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.89%
Effective Maturity 4 Months 19 Days
Modified Duration 4 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,279
28 Feb 21₹10,807
28 Feb 22₹11,471
28 Feb 23₹12,004
29 Feb 24₹12,840

UTI Ultra 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 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 1 Mar 24

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.3%
1 Year 7%
3 Year 5.9%
5 Year 5.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 8.8%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Ritesh Nambiar1 Jul 158.59 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Jan 24

Asset Allocation
Asset ClassValue
Cash71.62%
Debt28.11%
Other0.28%
Debt Sector Allocation
SectorValue
Cash Equivalent50.49%
Corporate45.2%
Government4.03%
Credit Quality
RatingValue
AA17.94%
AAA82.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 22032024
Sovereign Bonds | -
5%₹99 Cr1,000,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹50 Cr500
Torrent Power Limited
Debentures | -
3%₹50 Cr500
G R Infraprojects Limited
Debentures | -
3%₹50 Cr500
LIC Housing Finance Limited
Debentures | -
3%₹50 Cr500
182 DTB 29032024
Sovereign Bonds | -
3%₹49 Cr500,000,000
Small Industries Development Bank of India
Debentures | -
3%₹47 Cr500,000,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹40 Cr400
India Grid TRust
Debentures | -
1%₹25 Cr250
Motilal Oswal Finvest Limited
Debentures | -
1%₹25 Cr2,500

6. 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 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (01 Mar 24) ₹39.0077 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹12,414 on 31 Jan 24
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.47
Sharpe Ratio -0.51
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.83%
Effective Maturity 7 Months 6 Days
Modified Duration 5 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
28 Feb 19₹10,000
29 Feb 20₹10,749
28 Feb 21₹11,311
28 Feb 22₹11,698
28 Feb 23₹12,266
29 Feb 24₹13,126

Kotak Savings 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 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 1 Mar 24

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.3%
1 Year 7%
3 Year 5.1%
5 Year 5.6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2014 9.4%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0815.81 Yr.
Manu Sharma1 Nov 221.25 Yr.
Palha Khanna3 Jul 230.58 Yr.

Data below for Kotak Savings Fund as on 31 Jan 24

Asset Allocation
Asset ClassValue
Cash64.06%
Debt35.71%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate58.65%
Government21.34%
Cash Equivalent19.78%
Credit Quality
RatingValue
AA8.26%
AAA91.74%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹462 Cr4,650
↑ 2,650
Mahindra & Mahindra Financial Services Ltd
Debentures | -
3%₹349 Cr3,500
182 DTB 14032024
Sovereign Bonds | -
3%₹346 Cr35,000,000
India (Republic of)
- | -
3%₹346 Cr35,000,000
182 DTB 29022024
Sovereign Bonds | -
2%₹317 Cr31,981,000
08.35 SBI RT SB 2024
Domestic Bonds | -
2%₹301 Cr30,000,000
Bank of Baroda
Debentures | -
2%₹286 Cr29,500
↑ 29,500
India (Republic of)
- | -
2%₹243 Cr25,000,000
Small Industries Development Bank of India
Debentures | -
2%₹233 Cr25,000
Rural Electrification Corporation Limited
Debentures | -
2%₹209 Cr2,100

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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