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Table of Contents
- अल्ट्रा शॉर्ट टर्म फंड क्या हैं?
- सावधि जमा क्या हैं?
- अल्ट्रा शॉर्ट टर्म फंड या फिक्स्ड डिपॉजिट: कौन सा बेहतर है?
- 10 सर्वश्रेष्ठ प्रदर्शन करने वाले अल्ट्रा शॉर्ट टर्म फंड
Top 10 Debt - Ultrashort Bond Funds
- Aditya Birla Sun Life Savings Fund
- Nippon India Ultra Short Duration Fund
- UTI Ultra Short Term Fund
- ICICI Prudential Ultra Short Term Fund
- Invesco India Ultra Short Term Fund
- Principal Ultra Short Term Fund
- Kotak Savings Fund
- SBI Magnum Ultra Short Duration Fund
- DSP BlackRock Money Manager Fund
- Canara Robeco Ultra Short Term Fund
अल्ट्रा शॉर्ट टर्म फंड बनाम फिक्स्ड डिपॉजिट
क्या आप अस्पष्ट हैकहां निवेश करें अल्पावधि के लिए पैसा? क्या आप अल्ट्रा के बीच चयन करते समय भ्रमित हो जाते हैंशॉर्ट टर्म फंड्स और सावधि जमा? चिंता न करें, आपके सवालों का जवाब यहां दिया जाएगा। अल्ट्रा शॉर्ट टर्म फंड है aम्यूचुअल फंड फिक्स्ड में निवेश करने वाली कैटेगरीआय लघु परिपक्वता अवधि वाले लिखत। सावधि जमा याएफडी दूसरी ओर, एक निवेश मार्ग है जिसमें लोग एक निश्चित समय सीमा के लिए एक निश्चित राशि जमा करते हैं और इसे ब्याज के साथ परिपक्वता पर वापस प्राप्त करते हैं। तो, आइए एक नजर डालते हैं कि अल्ट्रा शॉर्ट टर्म फंड और फिक्स्ड डिपॉजिट में से कौन सा निवेश करना बेहतर है।
अल्ट्रा शॉर्ट टर्म फंड क्या हैं?
अल्ट्रा शॉर्ट टर्म फंड एक प्रकार का हैडेट फंड. यह योजना अपने कोष का निवेश करती हैनिश्चित आय उपकरण जिनकी परिपक्वता अवधि आम तौर पर के बीच होती है91 दिन से 1 वर्ष. इस योजना को एक पायदान ऊपर माना जाता हैलिक्विड फंड और जो लोग थोड़ा अधिक जोखिम लेने के इच्छुक हैं, वे अधिक रिटर्न अर्जित करने के लिए अल्ट्रा शॉर्ट टर्म फंड में निवेश करना चुन सकते हैं।
सावधि जमा क्या हैं?
सावधि जमा या एफडी निवेश का एक पारंपरिक स्रोत है जहां लोगों को एक निश्चित अवधि के लिए जमा की गई एक निश्चित राशि रखने की आवश्यकता होती है। निवेश किया गया यह पैसा ब्याज कमाता है। इसे छोटी अवधि के साथ-साथ लंबी अवधि के कार्यकाल के लिए एक अच्छा निवेश एवेन्यू चुना जा सकता है। FD पर ब्याज दर पूर्व निर्धारित होती है और इसके रिटर्न पर निवेशकों के हाथ में टैक्स लगता है.
अल्ट्रा शॉर्ट टर्म फंड या फिक्स्ड डिपॉजिट: कौन सा बेहतर है?
चूंकि निवेश के दोनों तरीकों की अपनी विशेषताएं और विशेषताएं हैं, आइए देखें कि विभिन्न मापदंडों के आधार पर कौन सा निवेश मार्ग सबसे अच्छा है।
न्यूनतम निवेश
सावधि जमा के मामले में न्यूनतम निवेश के बीच है₹1,000-₹10,000 निर्भर करनाबैंक. हालांकि, अल्ट्रा शॉर्ट टर्म फंड के मामले में, न्यूनतम निवेश है₹500 के माध्यम सेसिप निवेश का तरीका तथा₹1,000 एकमुश्त निवेश के माध्यम से.
ब्याज दर
ब्याज दर के संबंध में, FD की एक पूर्व निर्धारित ब्याज दर होती है जो नियत समय के साथ नहीं बदलती है। हालाँकि, अल्ट्रा शॉर्ट टर्म फंड के मामले में, योजना के प्रदर्शन के आधार पर रिटर्न परिवर्तनशील है। वर्तमान में, वित्त वर्ष 2017-18 के अनुसार, FD दरेंश्रेणी लगभग 6% -7% के बीच यदि निवेश एक वर्ष के लिए रखा जाता है। हालांकि, अल्ट्रा शॉर्ट टर्म फंड के मामले में, यदि निवेश एक वर्ष के लिए रखा जाता है तो रिटर्न लगभग 7% से अधिक होता है।
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कार्यकाल
FD को छोटी और लंबी अवधि दोनों के लिए निवेश के रूप में इस्तेमाल किया जा सकता है। ऐसा इसलिए है क्योंकि इसे पारंपरिक निवेश एवेन्यू माना जाता है। इसके विपरीत,अल्ट्रा शॉर्ट टर्म फंड आमतौर पर, अल्पकालिक निवेश अवधि के लिए उपयोग किया जाता है। जिन लोगों के पास अतिरिक्त धन हैबचत खाता अधिक कमाने के लिए इस योजना में निवेश करना चुन सकते हैं। निवेश अवधि के दौरान, लोग सावधि जमा से अपना धन नहीं निकाल सकते हैं। यहां तक कि अगर उन्हें पैसे निकालने की जरूरत भी पड़ती है, तो उन्हें बैंक को कुछ निश्चित शुल्क देने होंगे। दूसरी ओर, लोगनिवेश अल्ट्रा शॉर्ट टर्म फंड में उनका पैसा फिक्स्ड डिपॉजिट की तुलना में आसानी से अपना पैसा निकाल सकता है। कई योजनाओं में, निवेशकों को इस अवधि के दौरान किसी एक्जिट लोड का भुगतान करने की आवश्यकता नहीं होती हैमोचन.
जोखिम उठाने का माद्दा
FD को जोखिम-मुक्त निवेश मार्ग माना जाता है जिसमें; जमा को सुरक्षित माना जाता है। इसके विपरीत, अल्ट्रा शॉर्ट टर्म फंड में निवेश करने वाले लोग उच्च रिटर्न अर्जित करने के लिए थोड़ा उच्च स्तर का जोखिम लेने में सक्षम होते हैं।
लिक्विडिटी
लिक्विडिटी अल्ट्रा शॉर्ट टर्म फंड के मामले में फिक्स्ड डिपॉजिट की तुलना में अधिक है। सावधि जमा की तुलना में इन योजनाओं से पैसा निकालना तुलनात्मक रूप से आसान है।
कर लगाना
अल्ट्रा शॉर्ट टर्म फंड और फिक्स्ड डिपॉजिट दोनों के लिए कराधान नियम अलग-अलग हैं। सावधि जमा पर अर्जित ब्याज के मामले में, पैसा इसमें जोड़ा जाता हैइन्वेस्टरकी आय और व्यक्ति के नियमित कर स्लैब के अनुसार कर लगाया जाता है। हालांकि, अल्ट्रा शॉर्ट-टर्म फंड के मामले में अर्जित रिटर्न डेट फंड के अनुसार कर योग्य है। नियम के मुताबिक अगर अल्ट्रा शॉर्ट टर्म फंड में निवेश तीन साल से ज्यादा के लिए होता है तो लॉन्ग टर्मराजधानी लाभ लागू होता है, जबकि यदि कार्यकाल तीन वर्ष से कम है, तो अल्पकालिक पूंजीगत लाभ लागू होता है। लंबी अवधि के मामले मेंपूंजी लाभ, यह इंडेक्सेशन लाभों के साथ 20% पर कर लगाया जाता है और अल्पकालिक पूंजीगत लाभ के लिए, इसे आय में जोड़ा जाता है और व्यक्ति की स्लैब दर के अनुसार कर लगाया जाता है।
नीचे दी गई तालिका अल्ट्रा शॉर्ट टर्म फंड और सावधि जमा के बीच तुलना को सारांशित करती है।
| मापदंडों | अल्ट्रा शॉर्ट टर्म फंड | सावधि जमा |
|---|---|---|
| रिटर्न | योजना के प्रदर्शन के अनुसार बदलता रहता है | पूर्वनिर्धारित |
| न्यूनतम निवेश | SIP में ₹500 और Lumpsum में ₹1,000 से शुरू होता है | ₹1,000-₹10,000 . के बीच की रेंज |
| कार्यकाल | आम तौर पर अल्पावधि के लिए उपयोग किया जाता है | लघु और दीर्घकालिक दोनों कार्यकाल |
| जोखिम | मामूली उच्च | कम |
| लिक्विडिटी | उच्च | कम |
| कर लगाना | लघु अवधि: व्यक्ति की स्लैब दरों के अनुसार कर लगाया गयादीर्घावधि: 20% पर कर लगाया और कराधान लाभ था | व्यक्ति की स्लैब दरों के अनुसार कर लगाया गया |
10 सर्वश्रेष्ठ प्रदर्शन करने वाले अल्ट्रा शॉर्ट टर्म फंड
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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (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 Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (Erstwhile Principal Retail Money Manager Fund) To generate steady return by investing in debt and money market securities.
The portfolio will be predominantly invested in overnight repo, CBLO, floating rate instruments and other fixed income instruments. Principal Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 28 Dec 07. It is a fund with Moderately Low risk and has given a Below is the key information for Principal Ultra Short Term Fund Returns up to 1 year are on (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. Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Savings Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on "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." DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on (Erstwhile Canara Robeco Treasury Advantage Fund) To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 14 Jul 08. It is a fund with Low risk and has given a Below is the key information for Canara Robeco Ultra Short Term Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
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% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (14 May 25) ₹543.437 ↑ 0.38 (0.07 %) 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.
Date Value 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 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 4% 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
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 10.87 Yr. Kaustubh Gupta 15 Jul 11 13.8 Yr. Monika Gandhi 22 Mar 21 4.11 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 39.41% Debt 60.27% Other 0.31% Debt Sector Allocation
Sector Value Corporate 66.69% Cash Equivalent 20.4% Government 12.6% Credit Quality
Rating Value AA 39.1% AAA 60.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Company Limited
Debentures | -4% ₹606 Cr 60,000 Nirma Limited
Debentures | -3% ₹488 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹474 Cr 47,500,000 Small Industries Development Bank of India
Debentures | -3% ₹424 Cr 9,000 Aditya BSL Liquid Dir Gr
Investment Fund | -2% ₹351 Cr 8,342,533
↑ 564,007 182 DTB 29082025
Sovereign Bonds | -2% ₹342 Cr 35,000,000
↑ 35,000,000 Mankind Pharma Ltd
Debentures | -2% ₹308 Cr 30,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹304 Cr 30,000
↑ 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹301 Cr 30,000 ICICI Home Finance Company Limited
Debentures | -2% ₹271 Cr 27,000 2. Nippon India Ultra Short Duration Fund
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% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (14 May 25) ₹3,995.28 ↑ 2.11 (0.05 %) 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.
Date Value 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 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.7% 1 Year 7.4% 3 Year 6.7% 5 Year 6.6% 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 11.59 Yr. Kinjal Desai 25 May 18 6.94 Yr. Akshay Sharma 1 Dec 22 2.41 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 56.52% Debt 43.24% Other 0.24% Debt Sector Allocation
Sector Value Corporate 55.55% Cash Equivalent 29.49% Government 14.72% Credit Quality
Rating Value AA 15.61% AAA 84.39% 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% ₹245 Cr 25,000,000 182 DTB 12062025
Sovereign Bonds | -3% ₹243 Cr 24,500,000 Small Industries Development Bank Of India
Debentures | -2% ₹200 Cr 2,000 182 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 HDFC Credila Financial Services Ltd
Debentures | -2% ₹166 Cr 16,500 Vedanta Limited
Debentures | -2% ₹165 Cr 16,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹126 Cr 12,500 3. UTI Ultra Short Term Fund
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% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (14 May 25) ₹4,204.28 ↑ 2.08 (0.05 %) 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.
Date Value 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 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.6% 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
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 0.27 Yr. Data below for UTI Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 64.1% Debt 35.7% Other 0.2% Debt Sector Allocation
Sector Value Corporate 54.04% Cash Equivalent 33.87% Government 11.89% Credit Quality
Rating Value AA 18.56% AAA 81.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹180 Cr 1,800
↑ 500 182 Days Tbill
Sovereign Bonds | -4% ₹147 Cr 1,500,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 182 Days Tbill
Sovereign Bonds | -2% ₹98 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000
↑ 5,000 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
↑ 250 4. ICICI Prudential Ultra Short Term Fund
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% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (14 May 25) ₹27.4573 ↑ 0.02 (0.06 %) 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.
Date Value 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 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.8% 1 Year 7.5% 3 Year 6.9% 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 8.46 Yr. Ritesh Lunawat 15 Jun 17 7.88 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 47.44% Debt 52.28% Other 0.28% Debt Sector Allocation
Sector Value Corporate 56.44% Cash Equivalent 23.12% Government 20.17% Credit Quality
Rating Value AA 21.29% AAA 78.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2028
Sovereign Bonds | -4% ₹585 Cr 58,000,000 182 Days Tbill
Sovereign Bonds | -4% ₹488 Cr 50,000,000 LIC Housing Finance Limited
Debentures | -3% ₹437 Cr 4,350 Bharti Telecom Limited
Debentures | -2% ₹327 Cr 32,500
↓ -2,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹307 Cr 30,500 Small Industries Development Bank Of India
Debentures | -2% ₹300 Cr 3,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹300 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹251 Cr 2,500 LIC Housing Finance Limited
Debentures | -2% ₹226 Cr 2,250 Oberoi Realty Ltd.
Debentures | -1% ₹201 Cr 20,000 5. Invesco India Ultra Short Term Fund
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% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (14 May 25) ₹2,674.46 ↑ 1.29 (0.05 %) 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.
Date Value 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 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.8% 1 Year 7.4% 3 Year 6.7% 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 5.32 Yr. Vikas Garg 27 Jul 21 3.76 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 37.55% Debt 62.08% Other 0.37% Debt Sector Allocation
Sector Value Corporate 60.8% Cash Equivalent 25.46% Government 13.37% Credit Quality
Rating Value AA 39.25% AAA 60.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -8% ₹85 Cr 8,500,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹50 Cr 5,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹40 Cr 4,000,000 Export Import Bank Of India
Debentures | -4% ₹40 Cr 4,000,000 Torrent Power Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 Godrej Industries Limited
Debentures | -2% ₹25 Cr 2,500,000 Tata Projects Ltd.
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 6. Principal Ultra Short Term Fund
CAGR/Annualized return of 5.8% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2024 was 6.4% , 2023 was 6.1% and 2022 was 3.7% . Principal Ultra Short Term Fund
Growth Launch Date 28 Dec 07 NAV (14 May 25) ₹2,665.9 ↑ 1.27 (0.05 %) Net Assets (Cr) ₹1,723 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.41 Sharpe Ratio -2.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.35% Effective Maturity 7 Months 22 Days Modified Duration 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,339 30 Apr 22 ₹10,617 30 Apr 23 ₹11,132 30 Apr 24 ₹11,825 30 Apr 25 ₹12,602 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.3% 1 Year 6.6% 3 Year 6% 5 Year 4.7% 10 Year 15 Year Since launch 5.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.4% 2023 6.1% 2022 3.7% 2021 2.7% 2020 4.1% 2019 6.5% 2018 1.2% 2017 6.3% 2016 7.9% 2015 8.8% Fund Manager information for Principal Ultra Short Term Fund
Name Since Tenure Dwijendra Srivastava 16 May 22 2.96 Yr. Sandeep Agarwal 1 Jan 22 3.33 Yr. Data below for Principal Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 85.72% Debt 14.04% Other 0.24% Debt Sector Allocation
Sector Value Corporate 48.52% Cash Equivalent 44.97% Government 6.28% Credit Quality
Rating Value AA 8.65% AAA 91.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Telecom Limited
Debentures | -3% ₹70 Cr 7,000 Rural Electrification Corporation Limited
Debentures | -2% ₹55 Cr 5,500 182 Days Tbill Red 23-05-2025
Sovereign Bonds | -2% ₹40 Cr 4,000,000 Shriram Finance Limited
Debentures | -1% ₹30 Cr 3,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹28 Cr 600 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 2,500 Hdb Financial Services Limited
Debentures | -1% ₹25 Cr 250 182 Days Tbill (Md 01/05/2025)
Sovereign Bonds | -1% ₹25 Cr 2,500,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 250 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -1% ₹20 Cr 200 7. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (14 May 25) ₹42.5204 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹11,873 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 6 Months 14 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,487 30 Apr 22 ₹10,847 30 Apr 23 ₹11,445 30 Apr 24 ₹12,246 30 Apr 25 ₹13,146 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.7% 1 Year 7.4% 3 Year 6.8% 5 Year 5.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.8% 2022 4.5% 2021 3.2% 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% 2015 8.6% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 17.05 Yr. Manu Sharma 1 Nov 22 2.5 Yr. Data below for Kotak Savings Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 65.31% Debt 34.4% Other 0.3% Debt Sector Allocation
Sector Value Corporate 57.68% Cash Equivalent 25.06% Government 16.97% Credit Quality
Rating Value AA 9.65% AAA 90.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 15052025
Sovereign Bonds | -4% ₹498 Cr 50,000,000 Rural Electrification Corporation Limited
Debentures | -4% ₹478 Cr 47,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹462 Cr 46,000 Mankind Pharma Ltd
Debentures | -2% ₹303 Cr 30,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹237 Cr 25,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹231 Cr 2,300 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 Bajaj Housing Finance Limited
Debentures | -2% ₹216 Cr 2,150 08.49 Tn SDL 2026
Sovereign Bonds | -2% ₹204 Cr 20,080,000 Vedanta Limited
Debentures | -1% ₹200 Cr 20,000 8. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (14 May 25) ₹5,924.44 ↑ 2.79 (0.05 %) Net Assets (Cr) ₹12,470 on 31 Mar 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 1.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.28% Effective Maturity 8 Months 16 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,492 30 Apr 22 ₹10,860 30 Apr 23 ₹11,460 30 Apr 24 ₹12,284 30 Apr 25 ₹13,213 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.8% 1 Year 7.6% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7% 2022 4.5% 2021 3.4% 2020 5.9% 2019 8% 2018 7.9% 2017 6.6% 2016 7.7% 2015 8.3% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Rajeev Radhakrishnan 27 Dec 24 0.34 Yr. Ardhendu Bhattacharya 1 Dec 23 1.41 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 62.76% Debt 37.01% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 43.04% Corporate 36.98% Government 19.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.63% Govt Stock 2026
Sovereign Bonds | -4% ₹583 Cr 58,500,000
↑ 57,500,000 HDFC Bank Ltd.
Debentures | -3% ₹472 Cr 10,000
↓ -2,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹424 Cr 4,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹416 Cr 4,150
↑ 2,150 Hdb Financial Services Limited
Debentures | -2% ₹345 Cr 34,500 INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -2% ₹302 Cr 400 Citicorp Finance (India) Limited
Debentures | -2% ₹251 Cr 25,000 Rec Limited
Debentures | -2% ₹243 Cr 2,450 05.95 Tn SDL 2025
Sovereign Bonds | -2% ₹230 Cr 23,000,000 Tata Capital Housing Finance Limited
Debentures | -1% ₹221 Cr 2,200 9. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (14 May 25) ₹3,378.67 ↑ 1.65 (0.05 %) Net Assets (Cr) ₹3,349 on 31 Mar 25 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio 0.58 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.26% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,384 30 Apr 22 ₹10,698 30 Apr 23 ₹11,250 30 Apr 24 ₹12,023 30 Apr 25 ₹12,899 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 3.7% 1 Year 7.3% 3 Year 6.6% 5 Year 5.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.9% 2023 6.7% 2022 4.1% 2021 2.9% 2020 4.7% 2019 7.3% 2018 5% 2017 6% 2016 7.5% 2015 7.9% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Karan Mundhra 31 May 21 3.92 Yr. Shalini Vasanta 1 Jan 25 0.33 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 65.9% Debt 33.74% Other 0.36% Debt Sector Allocation
Sector Value Corporate 50.14% Cash Equivalent 32.8% Government 16.7% Credit Quality
Rating Value AA 5.09% AAA 94.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -4% ₹158 Cr 1,500 364 DTB 06112025
Sovereign Bonds | -3% ₹97 Cr 10,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹79 Cr 750 Small Industries Development Bank Of India
Debentures | -2% ₹79 Cr 750
↑ 500 182 DTB 31072025
Sovereign Bonds | -2% ₹64 Cr 6,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹62 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹53 Cr 5,000 LIC Housing Finance Ltd
Debentures | -1% ₹53 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹53 Cr 500
↑ 250 Tata Capital Housing Finance Limited
Debentures | -1% ₹52 Cr 500
↑ 500 10. Canara Robeco Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 72 in Ultrashort Bond category. Return for 2024 was 6.8% , 2023 was 6.4% and 2022 was 3.9% . Canara Robeco Ultra Short Term Fund
Growth Launch Date 14 Jul 08 NAV (14 May 25) ₹3,768.66 ↑ 2.22 (0.06 %) Net Assets (Cr) ₹491 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆ Risk Low Expense Ratio 0.95 Sharpe Ratio -0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.22% Effective Maturity 7 Months 13 Days Modified Duration 6 Months Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,370 30 Apr 22 ₹10,658 30 Apr 23 ₹11,193 30 Apr 24 ₹11,927 30 Apr 25 ₹12,766 Returns for Canara Robeco Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 May 25 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.6% 1 Year 7% 3 Year 6.3% 5 Year 5% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 6.4% 2022 3.9% 2021 2.6% 2020 4.5% 2019 6.6% 2018 6.1% 2017 5.7% 2016 7.3% 2015 8.4% Fund Manager information for Canara Robeco Ultra Short Term Fund
Name Since Tenure Avnish Jain 1 Apr 22 3.08 Yr. Kunal Jain 16 Sep 24 0.62 Yr. Data below for Canara Robeco Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 76.4% Debt 23.28% Other 0.32% Debt Sector Allocation
Sector Value Cash Equivalent 53.87% Corporate 38.25% Government 7.56% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -7% ₹35 Cr 350 Bajaj Housing Finance Limited
Debentures | -5% ₹25 Cr 250 Kotak Mahindra Prime Limited
Debentures | -5% ₹25 Cr 2,500 HDB Financial Services Ltd.
Debentures | -4% ₹23 Cr 230 Bajaj Finance Limited
Debentures | -2% ₹10 Cr 100 7.81% Govt Stock 2033
Sovereign Bonds | -1% ₹5 Cr 500,000 CORPORATE DEBT MARKET DEVELOPMENT FUND CLASS A2
Investment Fund | -0% ₹2 Cr 1,529 Treps
CBLO/Reverse Repo | -13% ₹66 Cr Aditya Birla Finance Limited
Commercial Paper | -9% ₹49 Cr 1,000 Export-Import Bank Of India
Commercial Paper | -9% ₹48 Cr 1,000
↑ 1,000
इस प्रकार, ऊपर दिए गए मापदंडों से, हम यह निष्कर्ष निकाल सकते हैं कि सावधि जमा की तुलना में अल्ट्रा शॉर्ट टर्म फंड एक बेहतर विकल्प है।
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