SIP 2022 के लिए 5 बेस्ट अल्ट्रा शॉर्ट टर्म डेट फंड

Updated on April 14, 2026 , 3371 views

अल्ट्रा शॉर्ट टर्मडेट फंड एक प्रकार के हैंम्यूचुअल फंड्स जो अल्पावधि के लिए अत्यधिक उपयुक्त हैंनिवेश योजना. ये फंड ऐसे डेट इंस्ट्रूमेंट्स में निवेश करते हैं जिनकी औसत मैच्योरिटी 91 दिनों से ज्यादा होती है। ये फंड बेहतर रिटर्न प्रदान करते हैं और लिक्विड डेट फंडों की तुलना में अधिक परिपक्वता रखते हैं, लेकिन इनमें से अधिक अस्थिर होते हैंलिक्विड फंड. निवेशक कम-जोखिम उठाने का माद्दा अल्ट्रा में निवेश करते हैंशॉर्ट टर्म फंड्स, क्योंकि उनके पास अन्य की तुलना में अधिक उपज हैमुद्रा बाजार फंड. इस प्रकार, जो निवेशक एक वर्ष या उससे कम समय के लिए अपना पैसा लगाना चाहते हैं, वे आदर्श रूप से इस योजना में निवेश कर सकते हैं। बेहतर रिटर्न अर्जित करने के लिए, नीचे सूचीबद्ध के लिए फंड चुन सकते हैंबेस्ट अल्ट्रा शॉर्ट टर्म सिप धन।

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एसआईपी निवेश के लिए शीर्ष 5 सर्वश्रेष्ठ प्रदर्शन करने वाले अल्ट्रा शॉर्ट टर्म डेट फंड FY 22 - 23

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹576.082 ↑ 0.24	₹21,467	1,000	1.7	3	6.7	7.4	7.4	7.14%	5M 23D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹29.0833 ↑ 0.01	₹14,897	1,000	1.7	3	6.5	7.1	7.1	7.11%	5M 8D	6M 14D
IDBI Ultra Short Term Fund Growth	₹2,424.68 ↑ 0.44	₹146	500	1.6	3.4	6.4	4.8		6.83%	2M 10D	2M 23D
Nippon India Ultra Short Duration Fund Growth	₹4,225.66 ↑ 1.29	₹10,672	100	1.7	3	6.3	6.9	6.8	7.27%	5M 13D	7M 28D
Invesco India Ultra Short Term Fund Growth	₹2,827.17 ↑ 0.52	₹1,292	1,000	1.7	3	6.2	6.9	6.8	6.95%	5M 2D	5M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Apr 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	IDBI Ultra Short Term Fund	Nippon India Ultra Short Duration Fund	Invesco India Ultra Short Term Fund
Point 1	Highest AUM (₹21,467 Cr).	Upper mid AUM (₹14,897 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹10,672 Cr).	Bottom quartile AUM (₹1,292 Cr).
Point 2	Established history (23+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.
Point 5	1Y return: 6.67% (top quartile).	1Y return: 6.50% (upper mid).	1Y return: 6.39% (lower mid).	1Y return: 6.31% (bottom quartile).	1Y return: 6.23% (bottom quartile).
Point 6	1M return: 0.70% (bottom quartile).	1M return: 0.76% (lower mid).	1M return: 0.52% (bottom quartile).	1M return: 0.79% (upper mid).	1M return: 0.85% (top quartile).
Point 7	Sharpe: 2.39 (top quartile).	Sharpe: 2.28 (upper mid).	Sharpe: -0.57 (bottom quartile).	Sharpe: 1.90 (lower mid).	Sharpe: 1.54 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.14% (upper mid).	Yield to maturity (debt): 7.11% (lower mid).	Yield to maturity (debt): 6.83% (bottom quartile).	Yield to maturity (debt): 7.27% (top quartile).	Yield to maturity (debt): 6.95% (bottom quartile).
Point 10	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.19 yrs (top quartile).	Modified duration: 0.45 yrs (bottom quartile).	Modified duration: 0.42 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,467 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.67% (top quartile).
1M return: 0.70% (bottom quartile).
Sharpe: 2.39 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.14% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).

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: 6.50% (upper mid).
1M return: 0.76% (lower mid).
Sharpe: 2.28 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.11% (lower mid).
Modified duration: 0.44 yrs (lower mid).

IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (lower mid).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (top quartile).

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: 6.31% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 1.90 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 0.45 yrs (bottom quartile).

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: 6.23% (bottom quartile).
1M return: 0.85% (top 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 (upper mid).

*ऊपर सर्वश्रेष्ठ की सूची हैशार्ट-वेव निधियों के ऊपर एयूएम/शुद्ध संपत्तियां हैं100 करोड़. पर छाँटा गयापिछले 1 साल का रिटर्न.

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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,467 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.67% (top quartile).
1M return: 0.70% (bottom quartile).
Sharpe: 2.39 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.14% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.

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 Apr 26)	₹576.082 ↑ 0.24 (0.04 %)
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

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 16 Apr 26

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	3%
1 Year	6.7%
3 Year	7.4%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. 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: 6.50% (upper mid).
1M return: 0.76% (lower mid).
Sharpe: 2.28 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.11% (lower mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.54 yrs (lower mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).

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 Apr 26)	₹29.0833 ↑ 0.01 (0.03 %)
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

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 16 Apr 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3%
1 Year	6.5%
3 Year	7.1%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.1%
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%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (lower mid).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (top quartile).
Average maturity: 0.23 yrs (top quartile).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value

IDBI 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 IDBI 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 Apr 26

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. 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: 6.31% (bottom quartile).
1M return: 0.79% (upper mid).
Sharpe: 1.90 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.66 yrs (bottom quartile).
Exit load: NIL.

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 Apr 26)	₹4,225.66 ↑ 1.29 (0.03 %)
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

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 16 Apr 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.7%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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: 6.23% (bottom quartile).
1M return: 0.85% (top 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 (upper mid).
Average maturity: 0.44 yrs (upper mid).
Exit load: NIL.

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 Apr 26)	₹2,827.17 ↑ 0.52 (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

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 16 Apr 26

Duration	Returns
1 Month	0.9%
3 Month	1.7%
6 Month	3%
1 Year	6.2%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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।