आवर्ती जमा (आरडी) क्या है?

Updated on March 18, 2026 , 62896 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. 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

Lower mid AUM (₹10,672 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.48% (lower mid).
1M return: 0.38% (upper mid).
Sharpe: 1.90 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.66 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~2.7%).

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 (20 Mar 26)	₹4,196.44 ↑ 0.70 (0.02 %)
Net Assets (Cr)	₹10,672 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	1.9
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	7 Months 28 Days
Modified Duration	5 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,793
28 Feb 23	₹11,321
29 Feb 24	₹12,103
28 Feb 25	₹12,968
28 Feb 26	₹13,821

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 20 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.8%
1 Year	6.5%
3 Year	6.8%
5 Year	6.7%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.42 Yr.
Kinjal Desai	25 May 18	7.77 Yr.
Akshay Sharma	1 Dec 22	3.25 Yr.
Lokesh Maru	5 Sep 25	0.48 Yr.
Divya Sharma	5 Sep 25	0.48 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	50.21%
Debt	49.51%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	58.39%
Cash Equivalent	36.66%
Government	3.95%
Securitized	0.71%

Credit Quality

Rating	Value
AA	35.75%
AAA	64.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹285 Cr	28,500
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹225 Cr	22,500
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹213 Cr	21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹200 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000
10/04/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹199 Cr	20,000,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹194 Cr	1,950

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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,467 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.01% (top quartile).
1M return: 0.38% (lower mid).
Sharpe: 2.39 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.14% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~43%).
High-quality debt (AAA/AA ~100%).
Largest holding Aditya BSL Money Mgr Dir Gr (~5.1%).

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 (20 Mar 26)	₹572.626 ↑ 0.20 (0.03 %)
Net Assets (Cr)	₹21,467 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.14%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,424
28 Feb 23	₹10,957
29 Feb 24	₹11,766
28 Feb 25	₹12,673
28 Feb 26	₹13,576

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 20 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	7%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.7 Yr.
Kaustubh Gupta	15 Jul 11	14.64 Yr.
Monika Gandhi	22 Mar 21	4.94 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	42.74%
Debt	56.94%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	57.02%
Cash Equivalent	26.95%
Government	15.71%

Credit Quality

Rating	Value
AA	30.53%
AAA	69.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Money Mgr Dir Gr Investment Fund \| -	5%	₹1,101 Cr	28,181,297 ↑ 28,181,297
Shriram Finance Limited Debentures \| -	3%	₹612 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹545 Cr	54,000
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹351 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹321 Cr	32,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹303 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹297 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹286 Cr	28,500 ↑ 3,500

3. 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.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹16,105 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.59% (upper mid).
1M return: 0.44% (top quartile).
Sharpe: 1.80 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~43%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (20 Mar 26)	₹44.6851 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹16,105 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,342
28 Feb 23	₹10,844
29 Feb 24	₹11,605
28 Feb 25	₹12,429
28 Feb 26	₹13,252

Kotak Savings 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 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 20 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	6.6%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.89 Yr.
Manu Sharma	1 Nov 22	3.33 Yr.

Data below for Kotak Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	43.26%
Debt	56.45%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	54.19%
Cash Equivalent	25.02%
Government	20.51%

Credit Quality

Rating	Value
AA	13.57%
AAA	86.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹579 Cr	57,500
Bank of Baroda Debentures \| -	4%	₹564 Cr	60,000
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹450 Cr	45,000,000 ↑ 45,000,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹302 Cr	30,000,000 ↑ 30,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹244 Cr	25,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹235 Cr	25,000
HDFC Bank Ltd. Debentures \| -	1%	₹234 Cr	25,000 ↑ 25,000
Small Industries Development Bank of India Debentures \| -	1%	₹234 Cr	25,000 ↑ 25,000

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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹14,897 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.75% (upper mid).
1M return: 0.39% (upper mid).
Sharpe: 2.28 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.11% (lower mid).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.54 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 (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.7%).

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 (20 Mar 26)	₹28.8946 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹14,897 on 15 Mar 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.28
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	7.11%
Effective Maturity	6 Months 14 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,405
28 Feb 23	₹10,919
29 Feb 24	₹11,703
28 Feb 25	₹12,559
28 Feb 26	₹13,419

ICICI Prudential 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 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 20 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	6.8%
3 Year	7.1%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.29 Yr.
Ritesh Lunawat	15 Jun 17	8.71 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value
Cash	81.75%
Debt	17.96%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	57.93%
Cash Equivalent	56.29%

Credit Quality

Rating	Value
AA	20.78%
AAA	79.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹454 Cr	450
Vedanta Limited Debentures \| -	2%	₹353 Cr	35,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	2%	₹311 Cr	30,773,600
Muthoot Finance Limited Debentures \| -	2%	₹303 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹246 Cr	24,500
AU Small Finance Bank Ltd. Debentures \| -	1%	₹236 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹201 Cr	20,000
Nuvama Wealth Finance Limited Debentures \| -	1%	₹201 Cr	20,000
Motilal Oswal Home Finance Limited Debentures \| -	1%	₹201 Cr	20,000
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹200 Cr	20,000,000

5. 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.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,292 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.36% (bottom quartile).
1M return: 0.36% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 0.42 yrs (top quartile).
Average maturity: 0.44 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~7.7%).

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 (20 Mar 26)	₹2,806.14 ↑ 0.45 (0.02 %)
Net Assets (Cr)	₹1,292 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.54
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	5 Months 10 Days
Modified Duration	5 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,319
28 Feb 23	₹10,782
29 Feb 24	₹11,554
28 Feb 25	₹12,382
28 Feb 26	₹13,184

Invesco India 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 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 20 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.7%
1 Year	6.4%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	6.16 Yr.
Vikas Garg	27 Jul 21	4.59 Yr.

Data below for Invesco India Ultra Short Term Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	49.09%
Debt	50.6%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	43.48%
Cash Equivalent	38.87%
Government	17.34%

Credit Quality

Rating	Value
AA	14.65%
AAA	85.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹100 Cr	10,000,000
Rec Limited Debentures \| -	6%	₹75 Cr	7,500,000
India (Republic of) - \| -	6%	₹74 Cr	7,500,000 ↑ 7,500,000
Small Industries Development Bank Of India Debentures \| -	5%	₹65 Cr	6,500,000
Export Import Bank Of India Debentures \| -	4%	₹50 Cr	5,000,000
Bank of Baroda Debentures \| -	4%	₹47 Cr	5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹40 Cr	4,000,000
Sundaram Home Finance Limited Debentures \| -	3%	₹35 Cr	3,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹35 Cr	3,500,000
Tbill Sovereign Bonds \| -	3%	₹35 Cr	3,502,500

6. DSP Money Manager Fund

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

Research Highlights for DSP Money Manager Fund

Bottom quartile AUM (₹3,714 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.07% (bottom quartile).
1M return: 0.37% (bottom quartile).
Sharpe: 0.95 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.61 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~52%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.1%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (20 Mar 26)	₹3,537.98 ↑ 0.59 (0.02 %)
Net Assets (Cr)	₹3,714 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.95
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	7 Months 10 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
28 Feb 21	₹10,000
28 Feb 22	₹10,306
28 Feb 23	₹10,768
29 Feb 24	₹11,510
28 Feb 25	₹12,308
28 Feb 26	₹13,086

DSP Money Manager 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 DSP Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.2%
6 Month	2.6%
1 Year	6.1%
3 Year	6.7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	6.9%
2022	6.7%
2021	4.1%
2020	2.9%
2019	4.7%
2018	7.3%
2017	5%
2016	6%
2015	7.5%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.75 Yr.
Shalini Vasanta	1 Jan 25	1.16 Yr.

Data below for DSP Money Manager Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	51.73%
Debt	47.85%
Other	0.42%

Debt Sector Allocation

Sector	Value
Corporate	62.44%
Cash Equivalent	27.95%
Government	9.2%

Credit Quality

Rating	Value
AA	19.85%
AAA	80.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹151 Cr	14,500
Godrej Properties Limited Debentures \| -	4%	₹132 Cr	12,500
Aadhar Housing Finance Limited Debentures \| -	3%	₹103 Cr	9,700
HDFC Bank Ltd. Debentures \| -	3%	₹94 Cr	2,000 ↑ 2,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹78 Cr	7,500
Rec Limited Debentures \| -	2%	₹78 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹78 Cr	7,500
5.63% Gs 2026 Sovereign Bonds \| -	2%	₹61 Cr	6,000,000 ↓ -10,000,000
Nuvama Wealth Finance Limited Debentures \| -	1%	₹53 Cr	5,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	1%	₹53 Cr	5,000

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।