SIP 2022 के लिए 5 बेस्ट अल्ट्रा शॉर्ट टर्म डेट फंड

Updated on January 17, 2026 , 3199 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 (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹566.699 ↓ -0.02	₹23,615	1,000	1.3	2.8	7.1	7.4	7.4	6.81%	5M 19D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.606 ↓ 0.00	₹16,907	1,000	1.3	2.8	6.9	7.1	7.1	6.82%	5M 19D	7M 10D
Invesco India Ultra Short Term Fund Growth	₹2,780.09 ↑ 0.08	₹1,234	1,000	1.2	2.6	6.7	6.9	6.8	6.57%	5M 16D	5M 24D
Nippon India Ultra Short Duration Fund Growth	₹4,154.35 ↓ -0.55	₹11,060	100	1.3	2.7	6.6	6.8	6.8	7%	3Y 6M 18D	4Y 8M 8D
Kotak Savings Fund Growth	₹44.2183 ↓ 0.00	₹14,243	1,000	1.2	2.7	6.6	6.9	6.8	6.66%	5M 26D	6M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Invesco India Ultra Short Term Fund	Nippon India Ultra Short Duration Fund	Kotak Savings Fund
Point 1	Highest AUM (₹23,615 Cr).	Upper mid AUM (₹16,907 Cr).	Bottom quartile AUM (₹1,234 Cr).	Bottom quartile AUM (₹11,060 Cr).	Lower mid AUM (₹14,243 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.15% (top quartile).	1Y return: 6.91% (upper mid).	1Y return: 6.66% (lower mid).	1Y return: 6.63% (bottom quartile).	1Y return: 6.60% (bottom quartile).
Point 6	1M return: 0.31% (bottom quartile).	1M return: 0.34% (lower mid).	1M return: 0.33% (bottom quartile).	1M return: 0.36% (top quartile).	1M return: 0.35% (upper mid).
Point 7	Sharpe: 3.14 (top quartile).	Sharpe: 2.94 (upper mid).	Sharpe: 2.41 (lower mid).	Sharpe: 2.30 (bottom quartile).	Sharpe: 2.06 (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): 6.81% (lower mid).	Yield to maturity (debt): 6.82% (upper mid).	Yield to maturity (debt): 6.57% (bottom quartile).	Yield to maturity (debt): 7.00% (top quartile).	Yield to maturity (debt): 6.66% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (upper mid).	Modified duration: 0.47 yrs (lower mid).	Modified duration: 0.46 yrs (top quartile).	Modified duration: 3.55 yrs (bottom quartile).	Modified duration: 0.49 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (top quartile).
1M return: 0.31% (bottom quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.47 yrs (upper mid).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.91% (upper mid).
1M return: 0.34% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 0.47 yrs (lower mid).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,234 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.66% (lower mid).
1M return: 0.33% (bottom quartile).
Sharpe: 2.41 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (bottom quartile).
Modified duration: 0.46 yrs (top quartile).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹11,060 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.63% (bottom quartile).
1M return: 0.36% (top quartile).
Sharpe: 2.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (top quartile).
Modified duration: 3.55 yrs (bottom quartile).

Kotak Savings Fund

Lower mid AUM (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.60% (bottom quartile).
1M return: 0.35% (upper mid).
Sharpe: 2.06 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).

*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 (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (top quartile).
1M return: 0.31% (bottom quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.47 yrs (upper mid).
Average maturity: 0.53 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~48%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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 Jan 26)	₹566.699 ↓ -0.02 (0.00 %)
Net Assets (Cr)	₹23,615 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.14
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,389
31 Dec 22	₹10,884
31 Dec 23	₹11,664
31 Dec 24	₹12,580
31 Dec 25	₹13,510

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 Jan 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.8%
1 Year	7.1%
3 Year	7.4%
5 Year	6.2%
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	11.54 Yr.
Kaustubh Gupta	15 Jul 11	14.48 Yr.
Monika Gandhi	22 Mar 21	4.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.86%
Debt	51.91%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	53.86%
Cash Equivalent	29.6%
Government	16.31%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹615 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹547 Cr	54,000
Nirma Limited Debentures \| -	2%	₹486 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000 ↑ 5,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	1%	₹352 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹347 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

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 (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.91% (upper mid).
1M return: 0.34% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 0.47 yrs (lower mid).
Average maturity: 0.61 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~64%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.9%).

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 Jan 26)	₹28.606 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹16,907 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.94
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	6.82%
Effective Maturity	7 Months 10 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,400
31 Dec 22	₹10,873
31 Dec 23	₹11,624
31 Dec 24	₹12,495
31 Dec 25	₹13,380

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 Jan 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.8%
1 Year	6.9%
3 Year	7.1%
5 Year	6%
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	9.13 Yr.
Ritesh Lunawat	15 Jun 17	8.55 Yr.

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

Asset Allocation

Asset Class	Value
Cash	63.83%
Debt	35.9%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.79%
Cash Equivalent	31.87%
Government	3.07%

Credit Quality

Rating	Value
AA	17.57%
AAA	82.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹662 Cr	66,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	4%	₹613 Cr	60,843,000 ↓ -1,842,100
364 DTB 15012026 Sovereign Bonds \| -	3%	₹499 Cr	50,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹450 Cr	450
Vedanta Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Piramal Finance Limited Debentures \| -	2%	₹277 Cr	27,500
AU Small Finance Bank Ltd. Debentures \| -	1%	₹234 Cr	5,000 ↑ 5,000
Power Finance Corporation Limited Debentures \| -	1%	₹230 Cr	2,300
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

3. 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 (₹1,234 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.66% (lower mid).
1M return: 0.33% (bottom quartile).
Sharpe: 2.41 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (bottom quartile).
Modified duration: 0.46 yrs (top quartile).
Average maturity: 0.48 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~8.0%).

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 Jan 26)	₹2,780.09 ↑ 0.08 (0.00 %)
Net Assets (Cr)	₹1,234 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.57%
Effective Maturity	5 Months 24 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,303
31 Dec 22	₹10,726
31 Dec 23	₹11,436
31 Dec 24	₹12,291
31 Dec 25	₹13,131

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 Jan 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.6%
1 Year	6.7%
3 Year	6.9%
5 Year	5.6%
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 Yr.
Vikas Garg	27 Jul 21	4.44 Yr.

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

Asset Allocation

Asset Class	Value
Cash	56.06%
Debt	43.61%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	60.05%
Government	26.17%
Cash Equivalent	13.46%

Credit Quality

Rating	Value
AA	16.37%
AAA	83.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	8%	₹99 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹50 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
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
07.86 KA Sdl 2027 Sovereign Bonds \| -	2%	₹26 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

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

Bottom quartile AUM (₹11,060 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.63% (bottom quartile).
1M return: 0.36% (top quartile).
Sharpe: 2.30 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.00% (top quartile).
Modified duration: 3.55 yrs (bottom quartile).
Average maturity: 4.69 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~46%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.4%).

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 Jan 26)	₹4,154.35 ↓ -0.55 (-0.01 %)
Net Assets (Cr)	₹11,060 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.3
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	4 Years 8 Months 8 Days
Modified Duration	3 Years 6 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,778
31 Dec 22	₹11,272
31 Dec 23	₹12,026
31 Dec 24	₹12,897
31 Dec 25	₹13,773

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 Jan 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.7%
1 Year	6.6%
3 Year	6.8%
5 Year	6.6%
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	12.26 Yr.
Kinjal Desai	25 May 18	7.61 Yr.
Akshay Sharma	1 Dec 22	3.09 Yr.
Lokesh Maru	5 Sep 25	0.32 Yr.
Divya Sharma	5 Sep 25	0.32 Yr.

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

Asset Allocation

Asset Class	Value
Cash	45.53%
Debt	54.22%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	57.04%
Cash Equivalent	27.04%
Government	15.68%

Credit Quality

Rating	Value
AA	28.52%
AAA	71.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹486 Cr	48,500
India (Republic of) - \| -	3%	₹296 Cr	30,000,000
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	2%	₹250 Cr	2,500
Treasury Bills Sovereign Bonds \| -	2%	₹246 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹226 Cr	22,500
India (Republic of) - \| -	2%	₹211 Cr	21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹201 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹201 Cr	2,000

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.

Research Highlights for Kotak Savings Fund

Lower mid AUM (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.60% (bottom quartile).
1M return: 0.35% (upper mid).
Sharpe: 2.06 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~55%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Housing Finance Limited (~4.5%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (20 Jan 26)	₹44.2183 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹14,243 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,321
31 Dec 22	₹10,781
31 Dec 23	₹11,515
31 Dec 24	₹12,349
31 Dec 25	₹13,191

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 Jan 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.7%
1 Year	6.6%
3 Year	6.9%
5 Year	5.7%
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	17.73 Yr.
Manu Sharma	1 Nov 22	3.17 Yr.

Data below for Kotak Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	54.54%
Debt	45.14%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	55.15%
Cash Equivalent	24.34%
Government	20.19%

Credit Quality

Rating	Value
AA	10.42%
AAA	89.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	5%	₹644 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹581 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹572 Cr	57,050 ↑ 50
Rec Limited Debentures \| -	3%	₹476 Cr	47,500
India (Republic of) - \| -	2%	₹319 Cr	32,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹307 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹302 Cr	30,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹245 Cr	25,000,000
Bank of Baroda Debentures \| -	2%	₹244 Cr	25,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	2%	₹227 Cr	22,500,000

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।