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फिनकैश »आवर्ती जमा

आवर्ती जमा (आरडी) क्या है?

Updated on May 15, 2025 , 60742 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. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 25 in Liquid Fund category.  Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.7% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund
Growth
Launch Date 11 Mar 02
NAV (16 May 25) ₹4,684.14 ↑ 0.92   (0.02 %)
Net Assets (Cr) ₹9,367 on 31 Mar 25
Category Debt - Liquid Fund
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating
Risk Low
Expense Ratio 0.24
Sharpe Ratio 2.98
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 8.34%
Effective Maturity 2 Months
Modified Duration 1 Month 29 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,340
30 Apr 22₹10,687
30 Apr 23₹11,313
30 Apr 24₹12,132
30 Apr 25₹13,011

LIC MF 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 LIC MF 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 16 May 25

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.5%
1 Year 7.2%
3 Year 6.8%
5 Year 5.4%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7%
2022 4.7%
2021 3.3%
2020 4.3%
2019 6.5%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
Fund Manager information for LIC MF Liquid Fund
NameSinceTenure
Rahul Singh5 Oct 159.58 Yr.

Data below for LIC MF Liquid Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash97.51%
Debt2.23%
Other0.26%
Debt Sector Allocation
SectorValue
Cash Equivalent73%
Corporate20.49%
Government6.25%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Net Current Assets | -
6%-₹621 Cr
91 Days Tbill Red 08-05-2025
Sovereign Bonds | -
4%₹400 Cr40,000,000
Birla Group Holdings Pvt Ltd. **
Commercial Paper | -
4%₹397 Cr8,000
↑ 8,000
91 Days Tbill Red 05-06-2025
Sovereign Bonds | -
3%₹348 Cr35,000,000
Reverse Repo
CBLO/Reverse Repo | -
3%₹324 Cr
National Bk For Agriculture & Rural Dev. **
Commercial Paper | -
3%₹323 Cr6,500
Motilal Oswal Financial Services Limited
Commercial Paper | -
3%₹299 Cr6,000
Punjab National Bank ** #
Certificate of Deposit | -
3%₹297 Cr6,000
Reliance Industries Ltd.
Commercial Paper | -
3%₹297 Cr6,000
India (Republic of)
- | -
3%₹296 Cr30,000,000
↑ 30,000,000

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 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (16 May 25) ₹543.904 ↑ 0.23   (0.04 %)
Net Assets (Cr) ₹13,294 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.09
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.75%
Effective Maturity 7 Months 28 Days
Modified Duration 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,651
30 Apr 22₹11,083
30 Apr 23₹11,715
30 Apr 24₹12,595
30 Apr 25₹13,598

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 16 May 25

DurationReturns
1 Month 0.7%
3 Month 2.3%
6 Month 4.1%
1 Year 8%
3 Year 7.3%
5 Year 6.3%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 1410.87 Yr.
Kaustubh Gupta15 Jul 1113.8 Yr.
Monika Gandhi22 Mar 214.11 Yr.

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

Asset Allocation
Asset ClassValue
Cash39.41%
Debt60.27%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate66.69%
Cash Equivalent20.4%
Government12.6%
Credit Quality
RatingValue
AA39.1%
AAA60.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Company Limited
Debentures | -
4%₹606 Cr60,000
Nirma Limited
Debentures | -
3%₹488 Cr48,500
364 DTB
Sovereign Bonds | -
3%₹474 Cr47,500,000
Small Industries Development Bank of India
Debentures | -
3%₹424 Cr9,000
Aditya BSL Liquid Dir Gr
Investment Fund | -
2%₹351 Cr8,342,533
↑ 564,007
182 DTB 29082025
Sovereign Bonds | -
2%₹342 Cr35,000,000
↑ 35,000,000
Mankind Pharma Ltd
Debentures | -
2%₹308 Cr30,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹304 Cr30,000
↑ 30,000
Avanse Financial Services Ltd 9.40%
Debentures | -
2%₹301 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
2%₹271 Cr27,000

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 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

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

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (16 May 25) ₹3,998.18 ↑ 1.52   (0.04 %)
Net Assets (Cr) ₹6,498 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 1.08
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.73%
Effective Maturity 7 Months 1 Day
Modified Duration 5 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,542
30 Apr 22₹11,343
30 Apr 23₹11,966
30 Apr 24₹12,798
30 Apr 25₹13,738

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 ₹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 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 3.8%
1 Year 7.4%
3 Year 6.8%
5 Year 6.6%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 1311.59 Yr.
Kinjal Desai25 May 186.94 Yr.
Akshay Sharma1 Dec 222.41 Yr.

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

Asset Allocation
Asset ClassValue
Cash56.52%
Debt43.24%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate55.55%
Cash Equivalent29.49%
Government14.72%
Credit Quality
RatingValue
AA15.61%
AAA84.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹311 Cr3,100
182 Days Tbill
Sovereign Bonds | -
3%₹245 Cr25,000,000
182 DTB 12062025
Sovereign Bonds | -
3%₹243 Cr24,500,000
Small Industries Development Bank Of India
Debentures | -
2%₹200 Cr2,000
182 Days Tbill
Sovereign Bonds | -
2%₹196 Cr20,000,000
Indinfravit Trust
Debentures | -
2%₹187 Cr19,500
Rec Limited
Debentures | -
2%₹184 Cr1,850
HDFC Credila Financial Services Ltd
Debentures | -
2%₹166 Cr16,500
Vedanta Limited
Debentures | -
2%₹165 Cr16,500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹126 Cr12,500

4. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (16 May 25) ₹4,206.4 ↑ 1.22   (0.03 %)
Net Assets (Cr) ₹3,143 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 0.91
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.57%
Effective Maturity 6 Months 23 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,469
30 Apr 22₹11,111
30 Apr 23₹11,702
30 Apr 24₹12,517
30 Apr 25₹13,432

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 ₹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 16 May 25

DurationReturns
1 Month 0.5%
3 Month 2%
6 Month 3.7%
1 Year 7.3%
3 Year 6.7%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal21 Jan 250.27 Yr.

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

Asset Allocation
Asset ClassValue
Cash64.1%
Debt35.7%
Other0.2%
Debt Sector Allocation
SectorValue
Corporate54.04%
Cash Equivalent33.87%
Government11.89%
Credit Quality
RatingValue
AA18.56%
AAA81.44%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
4%₹180 Cr1,800
↑ 500
182 Days Tbill
Sovereign Bonds | -
4%₹147 Cr1,500,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹101 Cr1,000
182 Days Tbill
Sovereign Bonds | -
2%₹98 Cr1,000,000,000
Shriram Finance Limited
Debentures | -
2%₹81 Cr8,000
↑ 5,000
Small Industries Development Bank Of India
Debentures | -
2%₹75 Cr750
LIC Housing Finance Ltd
Debentures | -
2%₹75 Cr750
Indian Bank
Domestic Bonds | -
2%₹71 Cr750,000,000
Small Industries Development Bank Of India
Debentures | -
1%₹50 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹50 Cr500
↑ 250

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.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

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

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (16 May 25) ₹27.4792 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹12,674 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 1.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity 7.53%
Effective Maturity 7 Months 28 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,634
30 Apr 22₹11,041
30 Apr 23₹11,666
30 Apr 24₹12,510
30 Apr 25₹13,448

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 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 3.9%
1 Year 7.6%
3 Year 7%
5 Year 6.1%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 168.46 Yr.
Ritesh Lunawat15 Jun 177.88 Yr.

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

Asset Allocation
Asset ClassValue
Cash47.44%
Debt52.28%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate56.44%
Cash Equivalent23.12%
Government20.17%
Credit Quality
RatingValue
AA21.29%
AAA78.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2028
Sovereign Bonds | -
4%₹585 Cr58,000,000
182 Days Tbill
Sovereign Bonds | -
4%₹488 Cr50,000,000
LIC Housing Finance Limited
Debentures | -
3%₹437 Cr4,350
Bharti Telecom Limited
Debentures | -
2%₹327 Cr32,500
↓ -2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹307 Cr30,500
Small Industries Development Bank Of India
Debentures | -
2%₹300 Cr3,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹300 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹251 Cr2,500
LIC Housing Finance Limited
Debentures | -
2%₹226 Cr2,250
Oberoi Realty Ltd.
Debentures | -
1%₹201 Cr20,000

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 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

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 (16 May 25) ₹2,676.15 ↑ 0.94   (0.04 %)
Net Assets (Cr) ₹859 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 1.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.49%
Effective Maturity 7 Months 2 Days
Modified Duration 6 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,424
30 Apr 22₹10,751
30 Apr 23₹11,310
30 Apr 24₹12,118
30 Apr 25₹13,017

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 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 3.8%
1 Year 7.4%
3 Year 6.8%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 6.6%
2022 4.1%
2021 3%
2020 5.1%
2019 7.6%
2018 7.3%
2017 7.1%
2016 9.1%
2015 8.3%
Fund Manager information for Invesco India Ultra Short Term Fund
NameSinceTenure
Krishna Cheemalapati4 Jan 205.32 Yr.
Vikas Garg27 Jul 213.76 Yr.

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

Asset Allocation
Asset ClassValue
Cash37.55%
Debt62.08%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate60.8%
Cash Equivalent25.46%
Government13.37%
Credit Quality
RatingValue
AA39.25%
AAA60.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
8%₹85 Cr8,500,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹50 Cr5,000,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
4%₹40 Cr4,000,000
Export Import Bank Of India
Debentures | -
4%₹40 Cr4,000,000
Torrent Power Limited
Debentures | -
2%₹25 Cr2,500,000
Bharti Telecom Limited
Debentures | -
2%₹25 Cr2,500,000
Godrej Industries Limited
Debentures | -
2%₹25 Cr2,500,000
Tata Projects Ltd.
Debentures | -
2%₹25 Cr2,500,000
Tata Realty And Infrastructure Limited
Debentures | -
2%₹25 Cr2,500,000
Bharti Telecom Limited
Debentures | -
2%₹25 Cr2,500,000

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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