Table of Contents

आवर्ती जमा (आरडी)
आरडी खाता: विशेषताएं
आरडी ब्याज दरें
आरडी कैलकुलेटर
आरडी ब्याज कैलकुलेटर
निष्कर्ष
समान विकल्प
- लिक्विड/अल्ट्रा शॉर्ट डेट म्यूचुअल फंड
Top 6 Funds

आवर्ती जमा (आरडी) क्या है?

Updated on June 6, 2025 , 60967 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. 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 (09 Jun 25)	₹547.453 ↑ 0.30 (0.05 %)
Net Assets (Cr)	₹17,263 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.71
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	6 Months 14 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹10,553
31 May 22	₹10,948
31 May 23	₹11,646
31 May 24	₹12,512
31 May 25	₹13,520

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 9 Jun 25

Duration	Returns
1 Month	0.9%
3 Month	2.6%
6 Month	4.3%
1 Year	8.3%
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	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.95 Yr.
Kaustubh Gupta	15 Jul 11	13.89 Yr.
Monika Gandhi	22 Mar 21	4.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	39.18%
Debt	60.56%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	65.93%
Cash Equivalent	22.75%
Government	11.05%

Credit Quality

Rating	Value
AA	34.49%
AAA	65.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	5%	₹827 Cr	17,000 ↑ 17,000
Shriram Finance Company Limited Debentures \| -	4%	₹611 Cr	60,000
Nirma Limited Debentures \| -	3%	₹488 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹475 Cr	47,500,000
Small Industries Development Bank of India Debentures \| -	2%	₹425 Cr	9,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹343 Cr	35,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹316 Cr	3,150 ↑ 500
Mankind Pharma Ltd Debentures \| -	2%	₹308 Cr	30,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹305 Cr	30,000
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹301 Cr	30,000

2. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

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 (09 Jun 25)	₹4,022.19 ↑ 1.81 (0.05 %)
Net Assets (Cr)	₹8,767 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.11%
Effective Maturity	7 Months 16 Days
Modified Duration	5 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹10,473
31 May 22	₹11,244
31 May 23	₹11,924
31 May 24	₹12,747
31 May 25	₹13,687

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 9 Jun 25

Duration	Returns
1 Month	0.8%
3 Month	2.3%
6 Month	3.9%
1 Year	7.6%
3 Year	6.9%
5 Year	6.5%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.67 Yr.
Kinjal Desai	25 May 18	7.02 Yr.
Akshay Sharma	1 Dec 22	2.5 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	53.8%
Debt	45.95%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	57.31%
Cash Equivalent	27.3%
Government	15.15%

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%	₹311 Cr	3,100
182 Days Tbill Sovereign Bonds \| -	3%	₹246 Cr	25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹244 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	2,000
Piramal Finance Limited 9.3% Debentures \| -	2%	₹200 Cr	20,000 ↑ 20,000
182 Days Tbill Sovereign Bonds \| -	2%	₹196 Cr	20,000,000
Indinfravit Trust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹184 Cr	1,850
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹156 Cr	15,500 ↓ -1,000

3. IDFC Cash Fund

To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized.

IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 26 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for IDFC Cash Fund

IDFC Cash Fund Growth
Launch Date	4 Jun 08
NAV (09 Jun 25)	₹3,144.38 ↑ 0.51 (0.02 %)
Net Assets (Cr)	₹13,496 on 30 Apr 25
Category	Debt - Liquid Fund
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.73
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	2 Months 7 Days
Modified Duration	2 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹10,317
31 May 22	₹10,673
31 May 23	₹11,334
31 May 24	₹12,152
31 May 25	₹13,023

IDFC Cash 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 IDFC Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.5%
1 Year	7.2%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4%
2019	6.3%
2018	7.3%
2017	6.6%
2016	7.6%
2015	8.4%

Fund Manager information for IDFC Cash Fund

Name	Since	Tenure
Harshal Joshi	15 Sep 15	9.72 Yr.
Brijesh Shah	1 Dec 21	3.5 Yr.

Data below for IDFC Cash Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	99.76%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	92.36%
Corporate	7.4%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 Days Tbill Red 05-06-2025 Sovereign Bonds \| -	14%	₹2,113 Cr	212,000,000 ↑ 2,000,000
Triparty Repo Trp_160525 CBLO/Reverse Repo \| -	6%	₹894 Cr
Reliance Jio Infocomm Ltd. Commercial Paper \| -	5%	₹747 Cr	75,000,000
National Bk For Agriculture & Rural Dev. ** Commercial Paper \| -	5%	₹697 Cr	70,000,000
Export-Import Bank of India Commercial Paper \| -	5%	₹697 Cr	70,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹521 Cr	52,500,000
Reliance Industries Ltd. Commercial Paper \| -	3%	₹496 Cr	50,000,000
Tata Steel Ltd. Commercial Paper \| -	3%	₹493 Cr	50,000,000 ↑ 50,000,000
Axis Bank Limited ** Net Current Assets \| -	3%	₹492 Cr	50,000,000 ↑ 50,000,000
Small Industries Dev Bank Of India (05/06/2025) ** Commercial Paper \| -	3%	₹399 Cr	40,000,000

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 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 (09 Jun 25)	₹27.6575 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹15,092 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.83
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	7.05%
Effective Maturity	8 Months 8 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹10,557
31 May 22	₹10,938
31 May 23	₹11,616
31 May 24	₹12,448
31 May 25	₹13,394

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 9 Jun 25

Duration	Returns
1 Month	0.8%
3 Month	2.4%
6 Month	4.1%
1 Year	7.8%
3 Year	7.1%
5 Year	6.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.55 Yr.
Ritesh Lunawat	15 Jun 17	7.97 Yr.

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

Asset Allocation

Asset Class	Value
Cash	45.16%
Debt	54.6%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	58.73%
Government	21.33%
Cash Equivalent	19.69%

Credit Quality

Rating	Value
AA	18.56%
AAA	81.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	7%	₹1,102 Cr	109,000,000
LIC Housing Finance Limited Debentures \| -	4%	₹602 Cr	6,000
182 Days Tbill Sovereign Bonds \| -	3%	₹491 Cr	50,000,000
Bharti Telecom Limited Debentures \| -	2%	₹347 Cr	34,500 ↑ 2,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹308 Cr	30,500
Small Industries Development Bank Of India Debentures \| -	2%	₹300 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹276 Cr	2,750 ↑ 250
Larsen And Toubro Limited Debentures \| -	2%	₹251 Cr	25,000
LIC Housing Finance Limited Debentures \| -	1%	₹226 Cr	2,250
HDFC Bank Ltd. Debentures \| -	1%	₹213 Cr	4,500

5. 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 (09 Jun 25)	₹4,230.89 ↑ 2.27 (0.05 %)
Net Assets (Cr)	₹4,131 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	1.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	5 Months 28 Days
Modified Duration	5 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹10,425
31 May 22	₹11,040
31 May 23	₹11,696
31 May 24	₹12,505
31 May 25	₹13,419

UTI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jun 25

Duration	Returns
1 Month	0.7%
3 Month	2.2%
6 Month	3.8%
1 Year	7.5%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.36 Yr.

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

Asset Allocation

Asset Class	Value
Cash	72.58%
Debt	27.23%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	51.01%
Cash Equivalent	41.85%
Government	6.94%

Credit Quality

Rating	Value
AA	15.68%
AAA	84.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹180 Cr	1,800
182 Days Tbill Sovereign Bonds \| -	3%	₹147 Cr	1,500,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	2%	₹99 Cr	1,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹81 Cr	8,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	750,000,000
Small Industries Development Bank Of India Debentures \| -	1%	₹50 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹50 Cr	500

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 (09 Jun 25)	₹2,692.24 ↑ 1.49 (0.06 %)
Net Assets (Cr)	₹1,130 on 15 Apr 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.88%
Effective Maturity	5 Months 18 Days
Modified Duration	5 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 20	₹10,000
31 May 21	₹10,354
31 May 22	₹10,654
31 May 23	₹11,277
31 May 24	₹12,077
31 May 25	₹12,978

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 9 Jun 25

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	4%
1 Year	7.6%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.41 Yr.
Vikas Garg	27 Jul 21	3.85 Yr.

Data below for Invesco India Ultra Short Term Fund as on 15 Apr 25

Asset Allocation

Asset Class	Value
Cash	55.43%
Debt	44.25%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	59.76%
Cash Equivalent	28.11%
Government	11.81%

Credit Quality

Rating	Value
AA	29.71%
AAA	70.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
08.24 Tn SDL 2025sep Sovereign Bonds \| -	4%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹50 Cr	5,000,000
Export Import Bank Of India Debentures \| -	3%	₹40 Cr	4,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹30 Cr	3,000,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000

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।