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फिनकैश »आवर्ती जमा

आवर्ती जमा (आरडी) क्या है?

Updated on June 11, 2024 , 57744 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. 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 (14 Jun 24) ₹506.197 ↑ 0.10   (0.02 %)
Net Assets (Cr) ₹12,633 on 15 May 24
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 1.73
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 8.08%
Effective Maturity 6 Months 29 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,780
31 May 21₹11,375
31 May 22₹11,802
31 May 23₹12,554
31 May 24₹13,487

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 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 2%
6 Month 3.9%
1 Year 7.4%
3 Year 5.9%
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 149.87 Yr.
Kaustubh Gupta15 Jul 1112.8 Yr.
Monika Gandhi22 Mar 213.11 Yr.
Dhaval Joshi21 Nov 221.44 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 May 24

Asset Allocation
Asset ClassValue
Cash41.94%
Debt57.75%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate64.97%
Cash Equivalent21.01%
Government13.6%
Securitized0.12%
Credit Quality
RatingValue
AA27.22%
AAA72.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
5%₹598 Cr6,000
Nirma Limited
Debentures | -
4%₹501 Cr50,000
National Housing Bank 7.78%
Debentures | -
3%₹400 Cr40,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹360 Cr36,000
Bharti Telecom Limited
Debentures | -
3%₹325 Cr3,250
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹300 Cr30,000
Nirma Limited 8.3%
Debentures | -
2%₹250 Cr25,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹249 Cr2,500
91 DTB 25072024
Sovereign Bonds | -
2%₹247 Cr25,000,000
HDFC Bank Limited
Debentures | -
2%₹244 Cr2,450

2. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch.  Ranked 15 in Liquid Fund category.  Return for 2023 was 7.1% , 2022 was 4.8% and 2021 was 3.3% .

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

Aditya Birla Sun Life Liquid Fund
Growth
Launch Date 30 Mar 04
NAV (14 Jun 24) ₹391.423 ↑ 0.07   (0.02 %)
Net Assets (Cr) ₹46,360 on 15 May 24
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.33
Sharpe Ratio 1.47
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.88%
Effective Maturity 2 Months 8 Days
Modified Duration 2 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,591
31 May 21₹10,939
31 May 22₹11,316
31 May 23₹12,028
31 May 24₹12,900

Aditya Birla Sun Life Liquid 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 Aditya Birla Sun Life 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 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.3%
3 Year 5.7%
5 Year 5.2%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.1%
2022 4.8%
2021 3.3%
2020 4.3%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.2%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha15 Jul 1112.81 Yr.
Kaustubh Gupta15 Jul 1112.81 Yr.
Sanjay Pawar1 Jul 221.84 Yr.
Dhaval Joshi21 Nov 221.44 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 15 May 24

Asset Allocation
Asset ClassValue
Cash98.51%
Debt1.27%
Other0.22%
Debt Sector Allocation
SectorValue
Cash Equivalent81.44%
Government9.44%
Corporate8.9%
Credit Quality
RatingValue
AA0.46%
AAA99.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
7%₹3,290 Cr
6.69% Govt Stock 2024
Sovereign Bonds | -
6%₹2,693 Cr269,500,000
National Bank for Agriculture and Rural Development
Commercial Paper | -
4%₹1,738 Cr35,000
National Bank for Agriculture and Rural Development
Commercial Paper | -
3%₹1,180 Cr24,000
↑ 24,000
India (Republic of)
- | -
2%₹1,042 Cr105,000,000
India (Republic of)
- | -
2%₹995 Cr100,000,000
India (Republic of)
- | -
2%₹946 Cr95,596,200
Sikka Ports & Terminals Ltd
Commercial Paper | -
2%₹799 Cr16,000
Indusind Bank Ltd.
Debentures | -
2%₹794 Cr16,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹698 Cr14,000

3. 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 (14 Jun 24) ₹3,743.04 ↑ 0.71   (0.02 %)
Net Assets (Cr) ₹5,654 on 30 Apr 24
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.17
Sharpe Ratio -0.64
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.83%
Effective Maturity 6 Months 17 Days
Modified Duration 5 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,055
31 May 21₹10,531
31 May 22₹11,307
31 May 23₹11,989
31 May 24₹12,817

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 ₹197,169.
Net Profit of ₹17,169
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 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 6.9%
3 Year 6.4%
5 Year 5.3%
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 1310.59 Yr.
Kinjal Desai25 May 185.94 Yr.
Akshay Sharma1 Dec 221.41 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash52.27%
Debt47.5%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate55.95%
Cash Equivalent29.05%
Government14.76%
Credit Quality
RatingValue
AA18.85%
AAA81.15%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
8%₹489 Cr50,000,000
Power Finance Corporation Limited
Debentures | -
5%₹266 Cr2,650
Indinfravit Trust
Debentures | -
4%₹215 Cr22,000
Punjab National Bank
Domestic Bonds | -
3%₹199 Cr4,000
Canara Bank
Domestic Bonds | -
3%₹199 Cr4,000
182 DTB 22082024
Sovereign Bonds | -
3%₹191 Cr19,500,000
Dlf Cyber City Developers Ltd
Debentures | -
2%₹138 Cr1,390
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹125 Cr1,250
India (Republic of)
- | -
2%₹103 Cr10,500,000
Shriram Finance Limited
Debentures | -
2%₹100 Cr1,000

4. 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 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 (14 Jun 24) ₹25.6848 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹12,586 on 30 Apr 24
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 0.64
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 7.7%
Effective Maturity 5 Months 26 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,754
31 May 21₹11,353
31 May 22₹11,763
31 May 23₹12,492
31 May 24₹13,387

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 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.8%
1 Year 7.2%
3 Year 5.7%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
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 167.46 Yr.
Ritesh Lunawat15 Jun 176.88 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash62.74%
Debt36.98%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate48.23%
Cash Equivalent41.41%
Government10.09%
Credit Quality
RatingValue
AA14.91%
AAA85.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
3%₹381 Cr40,000,000
India (Republic of)
- | -
3%₹378 Cr40,000,000
Bharti Telecom Limited
Debentures | -
3%₹340 Cr34,000
India (Republic of)
- | -
2%₹288 Cr30,000,000
HDFC Bank Ltd.
Debentures | -
2%₹284 Cr6,000
Indusind Bank Ltd.
Debentures | -
2%₹237 Cr5,000
Indusind Bank Ltd.
Debentures | -
2%₹213 Cr4,500
Mahindra Rural Housing Finance Limited
Debentures | -
2%₹200 Cr2,000
182 DTB 25072024
Sovereign Bonds | -
2%₹197 Cr20,000,000
182 DTB 18102024
Sovereign Bonds | -
2%₹194 Cr20,000,000

5. 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 (14 Jun 24) ₹39.8316 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹13,375 on 30 Apr 24
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.47
Sharpe Ratio -0.37
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.7%
Effective Maturity 7 Months 24 Days
Modified Duration 6 Months

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,727
31 May 21₹11,172
31 May 22₹11,537
31 May 23₹12,239
31 May 24₹13,091

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 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 7%
3 Year 5.5%
5 Year 5.5%
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 0816.05 Yr.
Manu Sharma1 Nov 221.5 Yr.
Palha Khanna3 Jul 230.83 Yr.

Data below for Kotak Savings Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash49.15%
Debt50.62%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate53.67%
Cash Equivalent27.34%
Government18.76%
Credit Quality
RatingValue
AA9.42%
AAA90.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
4%₹587 Cr60,000,010
Rural Electrification Corporation Limited
Debentures | -
3%₹459 Cr4,600
India (Republic of)
- | -
3%₹391 Cr40,000,000
India (Republic of)
- | -
3%₹381 Cr40,000,000
182 DTB 22082024
Sovereign Bonds | -
3%₹368 Cr37,500,000
Mahindra And Mahindra Financial Services Limited
Debentures | -
3%₹350 Cr3,500
Nirma Limited 0.083%
Debentures | -
2%₹250 Cr25,000
182 DTB 29082024
Sovereign Bonds | -
2%₹245 Cr25,000,000
IDFC First Bank Ltd.
Debentures | -
2%₹236 Cr25,000
SANSAR TRUST MARCH 2023 II
Unlisted bonds | -
2%₹204 Cr90

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.

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 (14 Jun 24) ₹3,940.7 ↑ 0.83   (0.02 %)
Net Assets (Cr) ₹2,349 on 30 Apr 24
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio -0.62
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.69%
Effective Maturity 5 Months 25 Days
Modified Duration 5 Months 15 Days

Growth of 10,000 investment over the years.

DateValue
31 May 19₹10,000
31 May 20₹10,252
31 May 21₹10,688
31 May 22₹11,318
31 May 23₹11,991
31 May 24₹12,820

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 14 Jun 24

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.6%
1 Year 6.9%
3 Year 6.3%
5 Year 5.9%
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 158.84 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Apr 24

Asset Allocation
Asset ClassValue
Cash58.35%
Debt41.45%
Other0.2%
Debt Sector Allocation
SectorValue
Corporate55.85%
Cash Equivalent38.06%
Government5.89%
Credit Quality
RatingValue
AA22.13%
AAA77.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
4%₹98 Cr1,000,000,000
↑ 1,000,000,000
Ongc Petro Additions Limited
Debentures | -
3%₹75 Cr7,500
↑ 2,500
Shriram Finance Limited
Debentures | -
3%₹70 Cr700
Bharti Telecom Limited
Debentures | -
2%₹50 Cr500
↑ 500
LIC Housing Finance Ltd
Debentures | -
2%₹50 Cr500
ICICI Bank Ltd.
Debentures | -
2%₹47 Cr500,000,000
ICICI Bank Ltd.
Debentures | -
2%₹47 Cr500,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹47 Cr500,000,000
Muthoot Finance Limited
Debentures | -
2%₹45 Cr450,000
↑ 450,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹40 Cr400

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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