अल्ट्रा शॉर्ट टर्म फंड बनाम फिक्स्ड डिपॉजिट

Updated on October 26, 2026 , 11118 views

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

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 (₹16,279 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.07% (top quartile).
1M return: 0.33% (upper mid).
Sharpe: 0.96 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.61% (top quartile).
Modified duration: 0.52 yrs (bottom quartile).
Average maturity: 0.62 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank for Agriculture and Rural Development (~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 (28 Oct 26)	₹594.544 ↑ 0.03 (0.01 %)
Net Assets (Cr)	₹16,279 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	7 Months 13 Days
Modified Duration	6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,404
30 Sep 23	₹11,140
30 Sep 24	₹11,981
30 Sep 25	₹12,919
30 Sep 26	₹13,735

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 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.4%
6 Month	3.1%
1 Year	6.1%
3 Year	7.2%
5 Year	6.6%
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
Sunaina Cunha	20 Jun 14	12.29 Yr.
Kaustubh Gupta	15 Jul 11	15.22 Yr.
Monika Gandhi	22 Mar 21	5.53 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	34.27%
Debt	65.73%

Debt Sector Allocation

Sector	Value
Corporate	72.11%
Government	17.86%
Cash Equivalent	10.03%

Credit Quality

Rating	Value
AA	38.56%
AAA	61.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank for Agriculture and Rural Development Domestic Bonds \| -	5%	₹743 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹529 Cr	52,500
Vedanta Limited Debentures \| -	3%	₹449 Cr	44,500
Bharti Telecom Limited Debentures \| -	3%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹322 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000 ↑ 32,000
Adani Airport Holdings Limited Debentures \| -	2%	₹296 Cr	30,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹294 Cr	6,000
Avanse Financial Services Limited Debentures \| -	2%	₹293 Cr	29,500 ↓ -500
Piramal Finance Limited Debentures \| -	2%	₹280 Cr	28,000

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 (₹15,236 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.95% (upper mid).
1M return: 0.27% (lower mid).
Sharpe: 0.96 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 0.88 yrs (bottom quartile).
Average maturity: 1.30 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~2.8%).

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 (28 Oct 26)	₹29.9727 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹15,236 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.78
Sharpe Ratio	0.96
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	7.37%
Effective Maturity	1 Year 3 Months 18 Days
Modified Duration	10 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,388
30 Sep 23	₹11,095
30 Sep 24	₹11,911
30 Sep 25	₹12,789
30 Sep 26	₹13,586

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 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.9%
1 Year	6%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

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
Manish Banthia	15 Nov 16	9.88 Yr.
Ritesh Lunawat	15 Jun 17	9.3 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	80.95%
Debt	18.72%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	60.66%
Cash Equivalent	51.48%

Credit Quality

Rating	Value
AA	18.98%
AAA	81.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹422 Cr	42,500 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹349 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹317 Cr	31,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹305 Cr	30,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹262 Cr	275
AU Small Finance Bank Ltd. Debentures \| -	2%	₹247 Cr	5,000
Piramal Finance Limited Debentures \| -	2%	₹230 Cr	23,000
Muthoot Finance Limited Debentures \| -	2%	₹225 Cr	22,500
Ultratech Cement Limited Debentures \| -	1%	₹219 Cr	22,000

3. 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.

Research Highlights for UTI Ultra Short Term Fund

Lower mid AUM (₹3,017 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 5.77% (upper mid).
1M return: 0.29% (upper mid).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (upper mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.54 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~6.5%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (28 Oct 26)	₹4,570.82 ↑ 0.25 (0.01 %)
Net Assets (Cr)	₹3,017 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	6 Months 15 Days
Modified Duration	5 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,360
30 Sep 23	₹11,043
30 Sep 24	₹11,830
30 Sep 25	₹12,653
30 Sep 26	₹13,409

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 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.9%
1 Year	5.8%
3 Year	6.6%
5 Year	6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
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%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.2 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	55.99%
Debt	43.58%
Other	0.43%

Debt Sector Allocation

Sector	Value
Corporate	66.98%
Cash Equivalent	17.94%
Government	14.64%

Credit Quality

Rating	Value
AA	27.68%
AAA	72.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹199 Cr	2,000,000,000
HDFC Bank Ltd. Debentures \| -	5%	₹147 Cr	1,500,000,000
Axis Bank Ltd. Debentures \| -	5%	₹146 Cr	1,500,000,000
Godrej Properties Limited Debentures \| -	3%	₹90 Cr	9,000
Nuvama Wealth Finance Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500
Ujjivan Small Finance Bank Limited Debentures \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500
Piramal Finance Limited Debentures \| -	2%	₹60 Cr	6,000

4. 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

Top quartile AUM (₹15,261 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.75% (lower mid).
1M return: 0.27% (lower mid).
Sharpe: 0.59 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.24% (upper mid).
Modified duration: 0.38 yrs (upper mid).
Average maturity: 0.49 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.7%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (28 Oct 26)	₹46.2536 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹15,261 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	0.59
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	5 Months 26 Days
Modified Duration	4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,371
30 Sep 23	₹11,070
30 Sep 24	₹11,857
30 Sep 25	₹12,696
30 Sep 26	₹13,459

Kotak 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 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 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.8%
1 Year	5.8%
3 Year	6.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	7 Sep 26	0.07 Yr.
Manu Sharma	7 Sep 26	0.07 Yr.

Data below for Kotak Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	55.8%
Debt	43.9%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	57.01%
Cash Equivalent	22.28%
Government	20.41%

Credit Quality

Rating	Value
AA	19.77%
AAA	80.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹575 Cr	57,500
India (Republic of) - \| -	3%	₹515 Cr	52,490,600
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹442 Cr	45,000,000
Mankind Pharma Limited Debentures \| -	2%	₹300 Cr	30,000 ↑ 30,000
Muthoot Finance Limited Debentures \| -	2%	₹295 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹295 Cr	30,000,000
India (Republic of) - \| -	2%	₹248 Cr	25,000,000
Vedanta Aluminium Metal Limited Debentures \| -	1%	₹200 Cr	20,000
Poonawalla Fincorp Limited Debentures \| -	1%	₹199 Cr	20,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹199 Cr	210

5. DSP Money Manager Fund

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

Research Highlights for DSP Money Manager Fund

Upper mid AUM (₹4,425 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.66% (bottom quartile).
1M return: 0.26% (bottom quartile).
Sharpe: 0.44 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.56 yrs (bottom quartile).
Average maturity: 0.18 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding Cholamandalam Investment And Finance Company Limited (~2.3%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (28 Oct 26)	₹3,667.47 ↓ -0.05 (0.00 %)
Net Assets (Cr)	₹4,425 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.44
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	2 Months 5 Days
Modified Duration	6 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,330
30 Sep 23	₹10,992
30 Sep 24	₹11,763
30 Sep 25	₹12,585
30 Sep 26	₹13,328

DSP Money Manager Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for DSP Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.8%
1 Year	5.7%
3 Year	6.5%
5 Year	5.9%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
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%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5.34 Yr.
Shalini Vasanta	1 Jan 25	1.75 Yr.

Data below for DSP Money Manager Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	50.06%
Debt	49.94%

Debt Sector Allocation

Sector	Value
Corporate	61.31%
Cash Equivalent	19.51%
Government	19.19%

Credit Quality

Rating	Value
AA	18.09%
AAA	81.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹102 Cr	10,000 ↑ 10,000
India (Republic of) - \| -	2%	₹98 Cr	10,000,000 ↑ 10,000,000
182 Days T-Bill 18032027 Sovereign Bonds \| -	2%	₹97 Cr	10,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹87 Cr	850
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹81 Cr	8,000
360 One Prime Limited Debentures \| -	2%	₹77 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	2%	₹75 Cr	7,500
6.38% Maharashtra Sdl 2027 Sovereign Bonds \| -	2%	₹75 Cr	7,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹73 Cr	1,500
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	1,500

6. SBI Magnum Ultra Short Duration Fund

(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.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹11,237 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.05% (upper mid).
1M return: 0.36% (top quartile).
Sharpe: 0.94 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.03% (lower mid).
Modified duration: 0.29 yrs (upper mid).
Average maturity: 0.48 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~112%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~7.1%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (28 Oct 26)	₹6,466.31 ↑ 0.63 (0.01 %)
Net Assets (Cr)	₹11,237 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.55
Sharpe Ratio	0.94
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.03%
Effective Maturity	5 Months 23 Days
Modified Duration	3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,371
30 Sep 23	₹11,080
30 Sep 24	₹11,895
30 Sep 25	₹12,757
30 Sep 26	₹13,549

SBI Magnum 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 SBI Magnum 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 28 Oct 26

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3%
1 Year	6%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7%
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%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	1.38 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	112.22%
Other	0.44%

Debt Sector Allocation

Sector	Value
Cash Equivalent	74.63%
Corporate	39.63%

Credit Quality

Rating	Value
AA	22.75%
AAA	77.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹798 Cr	80,000,000
Muthoot Finance Limited Debentures \| -	3%	₹323 Cr	32,500
Adani Power Limited Debentures \| -	3%	₹299 Cr	30,000
Deutsche Bank AG - \| -	2%	-₹250 Cr
HSBC Bank PLC Debentures \| -	2%	-₹250 Cr
Avanse Financial Services Limited Debentures \| -	2%	₹248 Cr	25,000
Axis Bank Ltd. Debentures \| -	2%	₹247 Cr	5,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹243 Cr	255
Eris Lifesciences Limited Debentures \| -	2%	₹200 Cr	20,000 ↑ 5,000
Bharat Petroleum Corporation Limited Debentures \| -	2%	₹200 Cr	2,000

7. 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 (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (top quartile).
1M return: 0.52% (top quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.83% (lower mid).
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 28 Oct 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

8. BOI AXA Ultra Short Duration Fund

(Erstwhile BOI AXA Treasury Advantage Fund)

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for BOI AXA Ultra Short Duration Fund

Bottom quartile AUM (₹196 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.70% (lower mid).
1M return: 0.24% (bottom quartile).
Sharpe: 0.58 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.43 yrs (lower mid).
Average maturity: 0.43 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding Union Bank Of India (~7.1%).

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (28 Oct 26)	₹3,404.44 ↓ -0.13 (0.00 %)
Net Assets (Cr)	₹196 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.85
Sharpe Ratio	0.58
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	5 Months 5 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,366
30 Sep 23	₹11,019
30 Sep 24	₹11,736
30 Sep 25	₹12,525
30 Sep 26	₹13,268

BOI AXA Ultra Short Duration 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 BOI AXA 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 28 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.8%
1 Year	5.7%
3 Year	6.3%
5 Year	5.8%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	6.7%
2023	6.2%
2022	4.4%
2021	3.2%
2020	4.9%
2019	7.5%
2018	7.6%
2017	8%
2016	9.1%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	5.12 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	80.8%
Debt	18.95%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	65.53%
Cash Equivalent	31.87%
Government	2.35%

Credit Quality

Rating	Value
AA	4.39%
AAA	95.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	7%	₹14 Cr	1,400,000
Rec Limited Debentures \| -	6%	₹12 Cr	1,200,000
360 One Prime Limited Debentures \| -	4%	₹8 Cr	810,000
25/12/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹5 Cr	500,000
India (Republic of) - \| -	2%	₹5 Cr	500,000
Tbill Sovereign Bonds \| -	1%	₹2 Cr	175,000
Corporate Debt Market Development Fund # - \| -	0%	₹1 Cr	417
Union Bank Of India Certificate of Deposit \| -	7%	₹15 Cr	1,500,000
Kotak Mahindra Bank Limited Certificate of Deposit \| -	7%	₹14 Cr	1,400,000
Treps CBLO/Reverse Repo \| -	6%	₹13 Cr

9. Motilal Oswal Ultra Short Term Fund

(Erstwhile Motilal Oswal MOSt Ultra Short Term Bond Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Ultra Short Term Fund

Lower mid AUM (₹534 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.10% (bottom quartile).
1M return: 0.24% (bottom quartile).
Sharpe: -0.50 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.34 yrs (upper mid).
Average maturity: 0.36 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~65%).
High-quality debt (AAA/AA ~100%).
Largest holding 04/02/2027 Maturing 364 DTB (~10.0%).

Below is the key information for Motilal Oswal Ultra Short Term Fund

Motilal Oswal Ultra Short Term Fund Growth
Launch Date	6 Sep 13
NAV (28 Oct 26)	₹17.6027 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹534 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-0.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	4 Months 10 Days
Modified Duration	4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,291
30 Sep 23	₹10,868
30 Sep 24	₹11,531
30 Sep 25	₹12,178
30 Sep 26	₹12,821

Motilal Oswal 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 Motilal Oswal 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 28 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.1%
6 Month	2.5%
1 Year	5.1%
3 Year	5.6%
5 Year	5.1%
10 Year
15 Year
Since launch	4.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.5%
2024	6%
2023	5.8%
2022	3.6%
2021	2.4%
2020	4.3%
2019	6.2%
2018	-8.1%
2017	5.5%
2016	6.4%

Fund Manager information for Motilal Oswal Ultra Short Term Fund

Name	Since	Tenure
Rakesh Shetty	22 Nov 22	3.86 Yr.

Data below for Motilal Oswal Ultra Short Term Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	64.77%
Debt	35.23%

Debt Sector Allocation

Sector	Value
Corporate	45.07%
Government	34.9%
Cash Equivalent	20.03%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
04/02/2027 Maturing 364 DTB Sovereign Bonds \| -	10%	₹49 Cr	5,000,000
India (Republic of) - \| -	5%	₹25 Cr	2,500,000
India (Republic of) - \| -	5%	₹25 Cr	2,500,000
India (Republic of) - \| -	5%	₹25 Cr	2,500,000
Punjab National Bank Debentures \| -	5%	₹25 Cr	2,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	5%	₹24 Cr	2,500,000
SBI Funds Management Private Ltd Debentures \| -	0%	₹2 Cr	1,358
Trp_161026 CBLO/Reverse Repo \| -	6%	₹27 Cr
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Bank Of Baroda Certificate of Deposit \| -	5%	₹25 Cr	2,500,000

10. Essel Ultra Short Term Fund

To provide optimal returns & liquidity to the investors by investing primarily in a mix of money market & short term debt instruments which results in a portfolio having marginally higher maturity as compared to a liquid fund at the same time maintaining a balance between safety & liquidity. However, there can be no assurance that the investment objective of the scheme will be achieved. The scheme does not assure or guarantee any returns.

Research Highlights for Essel Ultra Short Term Fund

Bottom quartile AUM (₹13 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 2.06% (bottom quartile).
1M return: 0.29% (upper mid).
Sharpe: -5.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.00% (bottom quartile).
Modified duration: 0.27 yrs (top quartile).
Average maturity: 0.29 yrs (upper mid).
Exit load: NIL.

Below is the key information for Essel Ultra Short Term Fund

Essel Ultra Short Term Fund Growth
Launch Date	19 Feb 10
NAV (15 Jul 22)	₹2,251.94 ↑ 0.11 (0.01 %)
Net Assets (Cr)	₹13 on 31 May 22
Category	Debt - Ultrashort Bond
AMC	Essel Funds Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.95
Sharpe Ratio	-5.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5%
Effective Maturity	3 Months 14 Days
Modified Duration	3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value

Essel Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Essel 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 28 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	0.5%
6 Month	1%
1 Year	2.1%
3 Year	3.1%
5 Year	4.4%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Essel Ultra Short Term Fund

Name	Since	Tenure

Data below for Essel Ultra Short Term Fund as on 31 May 22

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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।

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।