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फिनकैश »आवर्ती जमा

आवर्ती जमा (आरडी) क्या है?

Updated on May 29, 2023 , 49885 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 2022 was 4.6% , 2021 was 7.8% and 2020 was 4.9% .

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 May 23) ₹3,492.54 ↑ 0.56   (0.02 %)
Net Assets (Cr) ₹5,103 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.12
Sharpe Ratio -1.2
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.62%
Effective Maturity 5 Months 22 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,709
31 May 20₹10,768
31 May 21₹11,277
31 May 22₹12,108

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 31 May 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.4%
1 Year 6%
3 Year 6%
5 Year 5.1%
10 Year
15 Year
Since launch 6%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2013 8.5%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 139.58 Yr.
Kinjal Desai25 May 184.93 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash68.99%
Debt31.01%
Debt Sector Allocation
SectorValue
Corporate35.78%
Cash Equivalent33.87%
Government30.36%
Credit Quality
RatingValue
AA19.16%
AAA80.84%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 07092023
Sovereign Bonds | -
5%₹244 Cr25,000,000
182 DTB 10082023
Sovereign Bonds | -
4%₹196 Cr20,000,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹150 Cr1,500
Shriram Transport Finance Company Limited
Debentures | -
2%₹125 Cr12,500
↑ 12,500
08.39 RJ UDAY 2024
Domestic Bonds | -
2%₹101 Cr10,000,000
Reliance Industries Limited
Debentures | -
2%₹101 Cr1,000
Shriram Housing Finance Limited
Debentures | -
2%₹100 Cr1,000
182 DTB 14092023
Sovereign Bonds | -
2%₹97 Cr10,000,000
Samvardhana Motherson International Limited
Debentures | -
1%₹75 Cr750
Manappuram Finance Limited
Debentures | -
1%₹70 Cr700

2. 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 2022 was 4.2% , 2021 was 6.1% and 2020 was 5.3% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (31 May 23) ₹3,676.06 ↑ 0.56   (0.02 %)
Net Assets (Cr) ₹2,190 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio -1.59
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.57%
Effective Maturity 5 Months 26 Days
Modified Duration 5 Months 21 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,756
31 May 20₹11,027
31 May 21₹11,496
31 May 22₹12,174

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 31 May 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.4%
1 Year 5.9%
3 Year 5.4%
5 Year 5.2%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2013 9.8%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Ritesh Nambiar1 Jul 157.84 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash68.76%
Debt31.24%
Debt Sector Allocation
SectorValue
Corporate45.28%
Cash Equivalent38.14%
Government16.58%
Credit Quality
RatingValue
AA15.04%
AAA84.96%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bharti Hexacom Limited
Debentures | -
3%₹64 Cr650
↑ 500
Bharti Telecom Limited
Debentures | -
3%₹59 Cr600
Mahindra Rural Housing Finance Limited
Debentures | -
2%₹50 Cr500
Reliance Industries Limited
Debentures | -
2%₹50 Cr500
Embassy Office Parks Reit
Debentures | -
2%₹50 Cr500
Torrent Power Limited
Debentures | -
2%₹49 Cr500
↑ 500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹49 Cr500
Godrej Properties Limited
Debentures | -
2%₹49 Cr490
182 DTB 07092023
Sovereign Bonds | -
2%₹49 Cr500,000,000
182 DTB 14092023
Sovereign Bonds | -
2%₹49 Cr500,000,000

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 2022 was 4.5% , 2021 was 4% and 2020 was 6.5% .

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 (31 May 23) ₹23.9027 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹12,645 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.93
Sharpe Ratio -0.94
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 7.57%
Effective Maturity 5 Months 5 Days
Modified Duration 4 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,832
31 May 20₹11,648
31 May 21₹12,297
31 May 22₹12,742

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 31 May 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.5%
1 Year 6.2%
3 Year 5.1%
5 Year 6.2%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2013 3.1%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 166.46 Yr.
Ritesh Lunawat15 Jun 175.88 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash75.14%
Debt24.86%
Debt Sector Allocation
SectorValue
Corporate50.89%
Cash Equivalent39.91%
Government9.2%
Credit Quality
RatingValue
AA18.72%
AAA81.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 29062023
Sovereign Bonds | -
5%₹694 Cr70,000,000
182 DTB 06072023
Sovereign Bonds | -
4%₹471 Cr47,500,000
Sikka Ports & Terminals Limited
Debentures | -
3%₹375 Cr3,750
↓ -250
Embassy Office Parks Reit
Debentures | -
2%₹272 Cr2,750
National Bank For Agriculture And Rural Development
Debentures | -
2%₹259 Cr2,600
Power Finance Corporation Ltd.
Debentures | -
2%₹244 Cr2,450
Embassy Office Parks Reit
Debentures | -
2%₹200 Cr2,000
Apollo Building Products Private Limited
Debentures | -
2%₹199 Cr20,000
Tata Housing Development Company Limited
Debentures | -
2%₹196 Cr19,500
↓ -500
Ongc Petro Additions Limited
Debentures | -
1%₹190 Cr1,900

4. 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 2022 was 4.8% , 2021 was 3.9% and 2020 was 7% .

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 May 23) ₹469.989 ↑ 0.06   (0.01 %)
Net Assets (Cr) ₹14,525 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.49
Sharpe Ratio -0.55
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.56%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,874
31 May 20₹11,722
31 May 21₹12,369
31 May 22₹12,833

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 31 May 23

DurationReturns
1 Month 0.7%
3 Month 2%
6 Month 3.6%
1 Year 6.4%
3 Year 5.2%
5 Year 6.4%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2013 9.5%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha14 Jun 148.88 Yr.
Kaustubh Gupta15 Jul 1111.8 Yr.
Monika Gandhi22 Mar 212.11 Yr.
Dhaval Joshi21 Nov 220.44 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash61.38%
Debt38.62%
Debt Sector Allocation
SectorValue
Corporate43.74%
Cash Equivalent30.82%
Government25.2%
Securitized0.24%
Credit Quality
RatingValue
AA21.44%
AAA78.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 29062023
Sovereign Bonds | -
6%₹855 Cr86,204,130
↓ -5,000,000
Housing Development Finance Corporation Ltd
Debentures | -
4%₹597 Cr6,000
182 DTB 29092023
Sovereign Bonds | -
3%₹487 Cr50,000,000
Hindalco Industries Limited
Debentures | -
2%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Shriram Finance Limited
Debentures | -
2%₹275 Cr2,750
Sikka Ports & Terminals Limited
Debentures | -
2%₹252 Cr2,520
Reliance Industries Limited
Debentures | -
2%₹251 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹250 Cr2,500
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹250 Cr2,500

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 2022 was 4.5% , 2021 was 3.2% and 2020 was 5.8% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (31 May 23) ₹37.1456 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹10,606 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.44
Sharpe Ratio -1.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.54%
Effective Maturity 9 Months 18 Days
Modified Duration 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,818
31 May 20₹11,604
31 May 21₹12,085
31 May 22₹12,480

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 31 May 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.5%
1 Year 6.1%
3 Year 4.5%
5 Year 5.8%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2013 8.9%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0815.05 Yr.
Vihag Mishra30 Apr 221 Yr.
Manu Sharma1 Nov 220.5 Yr.

Data below for Kotak Savings Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash61.16%
Debt38.84%
Debt Sector Allocation
SectorValue
Government37.68%
Corporate37.01%
Cash Equivalent25.31%
Credit Quality
RatingValue
AA11.04%
AAA88.96%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 07092023
Sovereign Bonds | -
9%₹1,121 Cr114,500,010
182 DTB 14092023
Sovereign Bonds | -
7%₹880 Cr90,000,010
6.75% Govt Stock 2024
Sovereign Bonds | -
3%₹389 Cr39,000,000
↓ -1,000,000
Mahindra & Mahindra Financial Services Ltd
Debentures | -
3%₹349 Cr3,500
Shriram Finance Limited
Debentures | -
2%₹245 Cr2,450
182 DTB 10082023
Sovereign Bonds | -
2%₹226 Cr23,000,000
Bajaj Finance Limited
Debentures | -
2%₹225 Cr2,250
Rural Electrification Corporation Limited
Debentures | -
2%₹209 Cr2,100
The Tata Power Company Limited
Debentures | -
2%₹200 Cr2,000
Housing Development Finance Corporation Ltd
Debentures | -
1%₹175 Cr1,750

6. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 40 in Ultrashort Bond category.  Return for 2022 was 4.1% , 2021 was 3% and 2020 was 5.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund
Growth
Launch Date 30 Dec 10
NAV (31 May 23) ₹2,331.99 ↑ 0.33   (0.01 %)
Net Assets (Cr) ₹704 on 15 May 23
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.89
Sharpe Ratio -1.59
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.5%
Effective Maturity 6 Months 4 Days
Modified Duration 5 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
31 May 18₹10,000
31 May 19₹10,795
31 May 20₹11,554
31 May 21₹11,963
31 May 22₹12,310

Invesco India 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 Invesco India 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 31 May 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.4%
1 Year 5.8%
3 Year 4.1%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.1%
2021 3%
2020 5.1%
2019 7.6%
2018 7.3%
2017 7.1%
2016 9.1%
2015 8.3%
2014 10.1%
2013 6.1%
Fund Manager information for Invesco India Ultra Short Term Fund
NameSinceTenure
Krishna Cheemalapati4 Jan 203.32 Yr.
Vikas Garg27 Jul 211.76 Yr.

Data below for Invesco India Ultra Short Term Fund as on 15 May 23

Asset Allocation
Asset ClassValue
Cash56.98%
Debt43.02%
Debt Sector Allocation
SectorValue
Corporate45.64%
Cash Equivalent29.31%
Government25.04%
Credit Quality
RatingValue
AA12.05%
AAA87.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 14092023
Sovereign Bonds | -
10%₹73 Cr7,500,000
182 DTB 31082023
Sovereign Bonds | -
6%₹39 Cr4,000,000
Muthoot Finance Limited
Debentures | -
4%₹25 Cr2,500,000
Bajaj Finance Limited
Debentures | -
4%₹25 Cr2,500,000
Rec Limited
Debentures | -
4%₹25 Cr2,500,000
Bharat Petroleum Corporation Ltd.
Debentures | -
4%₹25 Cr2,500,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹25 Cr2,500,000
Bharti Telecom Limited
Debentures | -
2%₹17 Cr1,700,000
Pipeline Infrastructure Limited
Debentures | -
2%₹15 Cr1,500,000
Power Grid Corporation Of India Limited
Debentures | -
2%₹15 Cr1,500,000

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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