आवर्ती जमा (आरडी) क्या है?

Updated on December 29, 2025 , 62519 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.

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. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.52% (upper mid).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (upper mid).
Average maturity: 0.23 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,395
31 Dec 22	₹10,864

IDBI Ultra Short Term 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 IDBI 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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. 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.

Research Highlights for Nippon India Ultra Short Duration Fund

Upper mid AUM (₹13,326 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.79% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.71% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.61 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

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 (31 Dec 25)	₹4,149.34 ↑ 2.12 (0.05 %)
Net Assets (Cr)	₹13,326 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.71%
Effective Maturity	7 Months 9 Days
Modified Duration	5 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,778
31 Dec 22	₹11,272
31 Dec 23	₹12,026
31 Dec 24	₹12,897

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.8%
3 Year	6.9%
5 Year	6.6%
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	12.18 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Akshay Sharma	1 Dec 22	3 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	47.41%
Debt	52.39%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	49.88%
Cash Equivalent	31.25%
Government	18.67%

Credit Quality

Rating	Value
AA	24.82%
AAA	75.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹486 Cr	48,500
India (Republic of) - \| -	2%	₹296 Cr	30,000,000
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	2%	₹250 Cr	2,500
Treasury Bills Sovereign Bonds \| -	2%	₹246 Cr	25,000,000 ↑ 15,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹226 Cr	22,500
India (Republic of) - \| -	2%	₹211 Cr	21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹201 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹201 Cr	2,000

3. 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹24,129 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.39% (top quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 3.69 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.5%).

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 (31 Dec 25)	₹566.27 ↑ 0.31 (0.06 %)
Net Assets (Cr)	₹24,129 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.69
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,389
31 Dec 22	₹10,884
31 Dec 23	₹11,664
31 Dec 24	₹12,580

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
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	11.46 Yr.
Kaustubh Gupta	15 Jul 11	14.39 Yr.
Monika Gandhi	22 Mar 21	4.7 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	48.92%
Debt	50.85%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	49.49%
Cash Equivalent	33.01%
Government	17.27%

Credit Quality

Rating	Value
AA	28.14%
AAA	71.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹613 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹547 Cr	54,000 ↑ 31,500
Nirma Limited Debentures \| -	2%	₹486 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	1%	₹352 Cr	35,000
Bharti Telecom Limited Debentures \| -	1%	₹350 Cr	35,000 ↑ 35,000
Mankind Pharma Limited Debentures \| -	1%	₹347 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹304 Cr	30,000 ↑ 15,000
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹297 Cr	30,000

4. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.11 yrs (top quartile).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund Growth
Launch Date	9 Jul 10
NAV (28 Jul 23)	₹2,454.04 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹503 on 30 Jun 23
Category	Debt - Liquid Fund
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.2
Information Ratio	-5.96
Alpha Ratio	-0.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,338
31 Dec 22	₹10,844

IDBI 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 IDBI 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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.6%
3 Year	4.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. 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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹19,738 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.08% (upper mid).
1M return: 0.46% (upper mid).
Sharpe: 3.17 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.55% (bottom quartile).
Modified duration: 0.37 yrs (upper mid).
Average maturity: 0.49 yrs (upper mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~60%).
High-quality debt (AAA/AA ~95%).
Largest holding National Bank For Agriculture And Rural Development (~3.4%).

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 (31 Dec 25)	₹28.5711 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹19,738 on 30 Nov 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	3.17
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	6.55%
Effective Maturity	5 Months 26 Days
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,400
31 Dec 22	₹10,873
31 Dec 23	₹11,624
31 Dec 24	₹12,495

ICICI Prudential Ultra Short Term 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 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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	7.1%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

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	9.05 Yr.
Ritesh Lunawat	15 Jun 17	8.47 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	60.04%
Debt	39.73%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	48.02%
Cash Equivalent	38.64%
Government	13.1%

Credit Quality

Rating	Value
AA	16.09%
AAA	79.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹662 Cr	66,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	3%	₹632 Cr	62,685,100 ↓ -107,200
364 DTB 15012026 Sovereign Bonds \| -	3%	₹498 Cr	50,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹461 Cr	450
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹375 Cr	3,750
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹277 Cr	27,500
Power Finance Corporation Limited Debentures \| -	1%	₹230 Cr	2,300
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

6. 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.

Research Highlights for UTI Ultra Short Term Fund

Lower mid AUM (₹4,788 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.65% (lower mid).
1M return: 0.45% (bottom quartile).
Sharpe: 1.99 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.53% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~55%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~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 (31 Dec 25)	₹4,362.5 ↑ 2.41 (0.06 %)
Net Assets (Cr)	₹4,788 on 30 Nov 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.99
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.53%
Effective Maturity	6 Months 2 Days
Modified Duration	5 Months 9 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,610
31 Dec 22	₹11,058
31 Dec 23	₹11,802
31 Dec 24	₹12,653

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.8%
1 Year	6.6%
3 Year	6.9%
5 Year	6.2%
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
Abhishek Sonthalia	10 Nov 25	0.06 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	54.9%
Debt	44.83%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.81%
Cash Equivalent	28.97%
Government	13.95%

Credit Quality

Rating	Value
AA	17.25%
AAA	82.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹201 Cr	20,000
India (Republic of) - \| -	4%	₹196 Cr	2,000,000,000 ↑ 2,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹101 Cr	10,000
TATA Communications Limited Debentures \| -	2%	₹101 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹100 Cr	1,000
DBS Bank India Ltd. Debentures \| -	2%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹75 Cr	750
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹75 Cr	750

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।