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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
- UTI Ultra Short Term Fund
- Nippon India Ultra Short Duration Fund
- Aditya Birla Sun Life Savings Fund
- ICICI Prudential Ultra Short Term Fund
- Kotak Savings Fund
- DSP BlackRock Money Manager Fund
- SBI Magnum Ultra Short Duration Fund
- Invesco India Ultra Short Term Fund
- Principal Ultra Short Term Fund
- BOI AXA Ultra Short Duration 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
(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 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 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 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 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 "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 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 (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 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. BOI AXA Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 16 Jul 08. It is a fund with Moderately Low risk and has given a Below is the key information for BOI AXA Ultra Short Duration Fund Returns up to 1 year are on 1. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2022 was 4.2% , 2021 was 6.1% and 2020 was 5.3% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (22 Aug 23) ₹3,730.09 ↑ 0.71 (0.02 %) Net Assets (Cr) ₹2,494 on 31 Jul 23 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.95 Sharpe Ratio -0.72 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.49% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 9 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,373 30 Sep 20 ₹10,968 30 Sep 21 ₹11,672 30 Sep 22 ₹12,092 30 Sep 23 ₹12,890 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.3% 3 Year 5.5% 5 Year 5.2% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% 2014 8.8% 2013 9.8% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Ritesh Nambiar 1 Jul 15 8.18 Yr. Data below for UTI Ultra Short Term Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 71.98% Debt 28.02% Debt Sector Allocation
Sector Value Corporate 46.93% Cash Equivalent 43.04% Government 10.02% Credit Quality
Rating Value AA 19.68% AAA 80.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 12102023
Sovereign Bonds | -7% ₹174 Cr 1,750,000,000 Embassy Office Parks Reit
Debentures | -3% ₹75 Cr 750 182 DTB 29092023
Sovereign Bonds | -2% ₹60 Cr 600,000,000
↓ -310,000,000 Reliance Industries Limited
Debentures | -2% ₹50 Cr 500 LIC Housing Finance Limited
Debentures | -2% ₹50 Cr 500
↑ 500 Torrent Power Limited
Debentures | -2% ₹50 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹50 Cr 500 G R Infraprojects Limited
Debentures | -2% ₹49 Cr 500 182 DTB 14092023
Sovereign Bonds | -2% ₹45 Cr 450,000,000 TATA Motors Finance Solutions Limited
Debentures | -2% ₹39 Cr 390 2. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2022 was 4.6% , 2021 was 7.8% and 2020 was 4.9% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (22 Aug 23) ₹3,542.95 ↑ 0.67 (0.02 %) Net Assets (Cr) ₹5,854 on 31 Jul 23 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.17 Sharpe Ratio -0.54 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 5 Months 5 Days Modified Duration 4 Months 21 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,118 30 Sep 20 ₹10,643 30 Sep 21 ₹11,549 30 Sep 22 ₹12,012 30 Sep 23 ₹12,803 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.3% 3 Year 6.4% 5 Year 5% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% 2013 8.5% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 9.92 Yr. Kinjal Desai 25 May 18 5.27 Yr. Akshay Sharma 1 Dec 22 0.75 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 73.38% Debt 26.62% Debt Sector Allocation
Sector Value Cash Equivalent 46.48% Corporate 32.72% Government 20.8% Credit Quality
Rating Value AA 23.98% AAA 76.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 07122023
Sovereign Bonds | -4% ₹246 Cr 25,000,000 182 DTB 18012024
Sovereign Bonds | -4% ₹244 Cr 25,000,000 364 DTB 27102023
Sovereign Bonds | -3% ₹198 Cr 20,000,000 Tata Realty And Infrastructure Limited
Debentures | -3% ₹175 Cr 1,750
↓ -250 Embassy Office Parks Reit
Debentures | -3% ₹150 Cr 1,500 Samvardhana Motherson International Limited
Debentures | -2% ₹135 Cr 1,350 Piramal Capital & Housing Finance Ltd
Debentures | -2% ₹120 Cr 12,000 TATA Motors Limited
Debentures | -2% ₹110 Cr 1,100 08.39 RJ UDAY 2024
Domestic Bonds | -2% ₹101 Cr 10,000,000 Shriram Transport Finance Company Limited
Debentures | -1% ₹75 Cr 7,500 3. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2022 was 4.8% , 2021 was 3.9% and 2020 was 7% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (22 Aug 23) ₹477.445 ↑ 0.09 (0.02 %) Net Assets (Cr) ₹14,783 on 31 Jul 23 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.11 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.39% Effective Maturity 5 Months 8 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,910 30 Sep 20 ₹11,728 30 Sep 21 ₹12,239 30 Sep 22 ₹12,732 30 Sep 23 ₹13,634 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.7% 1 Year 6.8% 3 Year 5.1% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 9.21 Yr. Kaustubh Gupta 15 Jul 11 12.14 Yr. Monika Gandhi 22 Mar 21 2.45 Yr. Dhaval Joshi 21 Nov 22 0.78 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 54.34% Debt 45.66% Debt Sector Allocation
Sector Value Corporate 46.88% Cash Equivalent 30.31% Government 22.81% Credit Quality
Rating Value AA 20.68% AAA 79.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -4% ₹597 Cr 6,000 182 DTB 21122023
Sovereign Bonds | -3% ₹465 Cr 47,500,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹360 Cr 36,000 Hindalco Industries Limited
Debentures | -2% ₹350 Cr 35,000 Bharti Telecom Limited
Debentures | -2% ₹325 Cr 3,250 182 DTB 07122023
Sovereign Bonds | -2% ₹295 Cr 30,000,000 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -2% ₹250 Cr 2,500 HDFC Bank Limited
Debentures | -2% ₹245 Cr 2,450 India (Republic of)
- | -1% ₹173 Cr 17,500,000 Reliance Industries Limited
Debentures | -1% ₹150 Cr 1,500 4. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2022 was 4.5% , 2021 was 4% and 2020 was 6.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (22 Aug 23) ₹24.2611 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹13,815 on 31 Jul 23 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.23 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 5 Months 8 Days Modified Duration 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,867 30 Sep 20 ₹11,662 30 Sep 21 ₹12,180 30 Sep 22 ₹12,652 30 Sep 23 ₹13,513 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.6% 1 Year 6.6% 3 Year 5% 5 Year 6.2% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% 2013 3.1% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 6.8 Yr. Ritesh Lunawat 15 Jun 17 6.22 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 57.55% Debt 42.45% Debt Sector Allocation
Sector Value Corporate 51.42% Government 26.23% Cash Equivalent 22.35% Credit Quality
Rating Value AA 12.68% AAA 87.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.83% Govt Stock 2023
Sovereign Bonds | -4% ₹502 Cr 50,000,000 Embassy Office Parks Reit
Debentures | -3% ₹418 Cr 4,200
↓ -250 182 DTB 21122023
Sovereign Bonds | -2% ₹314 Cr 32,000,000 LIC Housing Finance Limited
Debentures | -2% ₹296 Cr 2,950 182 DTB 07122023
Sovereign Bonds | -2% ₹295 Cr 30,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹275 Cr 2,750 National Bank For Agriculture And Rural Development
Debentures | -2% ₹258 Cr 2,600 08.35 SBI RT SB 2024
Domestic Bonds | -2% ₹252 Cr 25,000,000 Mahindra Rural Housing Finance Limited
Debentures | -2% ₹201 Cr 2,000 Apollo Building Products Private Limited
Debentures | -1% ₹199 Cr 20,000 5. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2022 was 4.5% , 2021 was 3.2% and 2020 was 5.8% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (22 Aug 23) ₹37.7024 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹13,066 on 31 Jul 23 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio -0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.29% Effective Maturity 8 Months 12 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,843 30 Sep 20 ₹11,548 30 Sep 21 ₹11,949 30 Sep 22 ₹12,392 30 Sep 23 ₹13,228 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.5% 3 Year 4.5% 5 Year 5.7% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.5% 2021 3.2% 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% 2015 8.6% 2014 9.4% 2013 8.9% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 15.39 Yr. Manu Sharma 1 Nov 22 0.83 Yr. Palha Khanna 3 Jul 23 0.16 Yr. Data below for Kotak Savings Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 73.73% Debt 26.27% Debt Sector Allocation
Sector Value Corporate 43.58% Government 32.59% Cash Equivalent 23.83% Credit Quality
Rating Value AA 7.09% AAA 92.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 14092023
Sovereign Bonds | -5% ₹638 Cr 64,000,010
↓ -5,000,000 91 DTB 12102023
Sovereign Bonds | -4% ₹496 Cr 50,000,000 6.97% Govt Stock 2024
Sovereign Bonds | -3% ₹390 Cr 39,000,000 Mahindra & Mahindra Financial Services Ltd
Debentures | -3% ₹350 Cr 3,500 182 DTB 29022024
Sovereign Bonds | -2% ₹309 Cr 31,981,000
↑ 31,981,000 182 DTB 25012024
Sovereign Bonds | -2% ₹243 Cr 25,000,000 182 DTB 08022024
Sovereign Bonds | -2% ₹243 Cr 25,000,000
↑ 25,000,000 Rural Electrification Corporation Limited
Debentures | -2% ₹209 Cr 2,100 08.30 FERT BND 2023
Domestic Bonds | -1% ₹176 Cr 17,565,000 HDFC Bank Limited
Debentures | -1% ₹175 Cr 1,750 6. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.6% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2022 was 4.1% , 2021 was 2.9% and 2020 was 4.7% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (22 Aug 23) ₹2,998.43 ↑ 0.51 (0.02 %) Net Assets (Cr) ₹2,659 on 31 Jul 23 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -1.41 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.21% Effective Maturity 4 Months 20 Days Modified Duration 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,661 30 Sep 20 ₹11,235 30 Sep 21 ₹11,580 30 Sep 22 ₹11,962 30 Sep 23 ₹12,728 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 6.1% 3 Year 4.1% 5 Year 4.8% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.1% 2021 2.9% 2020 4.7% 2019 7.3% 2018 5% 2017 6% 2016 7.5% 2015 7.9% 2014 8.8% 2013 9.2% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Kedar Karnik 17 Jul 16 7.13 Yr. Karan Mundhra 31 May 21 2.25 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 75.72% Debt 24.28% Debt Sector Allocation
Sector Value Cash Equivalent 36.08% Government 34.11% Corporate 29.81% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -6% ₹151 Cr 1,500 364 DTB 07032024
Sovereign Bonds | -6% ₹145 Cr 15,000,000 182 DTB 25012024
Sovereign Bonds | -4% ₹97 Cr 10,000,000 182 DTB 21122023
Sovereign Bonds | -3% ₹73 Cr 7,500,000 364 DTB 26012024
Sovereign Bonds | -3% ₹73 Cr 7,500,000
↑ 7,500,000 182 DTB 18012024
Sovereign Bonds | -1% ₹35 Cr 3,619,400 National Bank For Agriculture And Rural Development
Debentures | -1% ₹26 Cr 250 Goi 12.10.2023 Gov
Sovereign Bonds | -0% ₹6 Cr 563,000 Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -7% ₹181 Cr Axis Bank Limited
Certificate of Deposit | -4% ₹95 Cr 2,000 7. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2022 was 4.5% , 2021 was 3.4% and 2020 was 5.9% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (22 Aug 23) ₹5,235.11 ↑ 0.88 (0.02 %) Net Assets (Cr) ₹15,030 on 31 Jul 23 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.49 Sharpe Ratio 0.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.19% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,853 30 Sep 20 ₹11,570 30 Sep 21 ₹11,986 30 Sep 22 ₹12,430 30 Sep 23 ₹13,281 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.6% 1 Year 6.6% 3 Year 4.6% 5 Year 5.8% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.5% 2021 3.4% 2020 5.9% 2019 8% 2018 7.9% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9% 2013 9.3% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Mohit Jain 30 Nov 17 5.76 Yr. Arun R. 1 Jul 21 2.17 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 71.33% Debt 28.67% Debt Sector Allocation
Sector Value Corporate 46.12% Cash Equivalent 35.04% Government 18.84% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 08.35 SBI RT SB 2024
Domestic Bonds | -4% ₹504 Cr 50,000,000 182 DTB 22092023
Sovereign Bonds | -3% ₹448 Cr 45,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹385 Cr 3,850 LIC Housing Finance Limited
Debentures | -2% ₹276 Cr 2,750 Rural Electrification Corporation Limited
Debentures | -2% ₹227 Cr 2,300 91 DTB 12102023
Sovereign Bonds | -2% ₹223 Cr 22,500,000 Bajaj Finance Limited
Debentures | -2% ₹206 Cr 2,050 Larsen And Toubro Limited
Debentures | -2% ₹200 Cr 20,000 182 DTB 14092023
Sovereign Bonds | -2% ₹200 Cr 20,000,000 182 DTB 05102023
Sovereign Bonds | -1% ₹199 Cr 20,000,000 8. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2022 was 4.1% , 2021 was 3% and 2020 was 5.1% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (22 Aug 23) ₹2,365.56 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹714 on 31 Jul 23 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.89 Sharpe Ratio -1.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.18% Effective Maturity 5 Months 3 Days Modified Duration 4 Months 27 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,827 30 Sep 20 ₹11,454 30 Sep 21 ₹11,820 30 Sep 22 ₹12,218 30 Sep 23 ₹13,013 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.2% 3 Year 4.2% 5 Year 5.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.1% 2021 3% 2020 5.1% 2019 7.6% 2018 7.3% 2017 7.1% 2016 9.1% 2015 8.3% 2014 10.1% 2013 6.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 3.66 Yr. Vikas Garg 27 Jul 21 2.1 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 69.69% Debt 30.31% Debt Sector Allocation
Sector Value Corporate 46.65% Cash Equivalent 31.81% Government 21.54% Credit Quality
Rating Value AA 13.46% AAA 86.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity Pipeline Infrastructure Limited
Debentures | -5% ₹35 Cr 3,500,000 Oil And Natural Gas Corporation Limited
Debentures | -5% ₹35 Cr 3,500,000
↑ 3,500,000 182 DTB 07122023
Sovereign Bonds | -5% ₹34 Cr 3,500,000 364 DTB 09112023
Sovereign Bonds | -4% ₹30 Cr 3,000,000
↓ -2,000,000 Bharat Petroleum Corporation Ltd.
Debentures | -3% ₹25 Cr 2,500,000 The Tata Power Company Limited
Debentures | -3% ₹20 Cr 2,000,000 Bharti Hexacom Limited
Debentures | -3% ₹20 Cr 2,000,000 0% GOI - 17122023 STRIPS
Sovereign Bonds | -3% ₹19 Cr 1,907,500 Bharti Telecom Limited
Debentures | -2% ₹17 Cr 1,700,000 Kotak Mahindra Investments Limited
Debentures | -2% ₹14 Cr 1,500,000 9. Principal Ultra Short Term Fund
CAGR/Annualized return of 5.7% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2022 was 3.7% , 2021 was 2.7% and 2020 was 4.1% . Principal Ultra Short Term Fund
Growth Launch Date 28 Dec 07 NAV (22 Aug 23) ₹2,393.44 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹1,683 on 31 Jul 23 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.39 Sharpe Ratio -2.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 5 Months 6 Days Modified Duration 4 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,714 30 Sep 20 ₹11,211 30 Sep 21 ₹11,522 30 Sep 22 ₹11,867 30 Sep 23 ₹12,576 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3.2% 1 Year 5.7% 3 Year 3.8% 5 Year 3.5% 10 Year 15 Year Since launch 5.7% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.7% 2021 2.7% 2020 4.1% 2019 6.5% 2018 1.2% 2017 6.3% 2016 7.9% 2015 8.8% 2014 9.4% 2013 9.8% Fund Manager information for Principal Ultra Short Term Fund
Name Since Tenure Dwijendra Srivastava 16 May 22 1.29 Yr. Sandeep Agarwal 1 Jan 22 1.66 Yr. Data below for Principal Ultra Short Term Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 86.1% Debt 13.9% Debt Sector Allocation
Sector Value Cash Equivalent 39.71% Corporate 31.74% Government 28.56% Credit Quality
Rating Value AA 2.45% AAA 97.55% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 14032024
Sovereign Bonds | -5% ₹72 Cr 7,500,000
↑ 5,000,000 182 DTB 11012024
Sovereign Bonds | -3% ₹49 Cr 5,000,000 182 DTB 22022024
Sovereign Bonds | -3% ₹49 Cr 5,000,000 182 DTB 07032023
Sovereign Bonds | -3% ₹48 Cr 5,000,000
↑ 5,000,000 LIC Housing Finance Limited
Debentures | -3% ₹45 Cr 450
↑ 450 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -2% ₹25 Cr 250,000 Punjab National Bank
Domestic Bonds | -2% ₹25 Cr 500
↑ 500 91 DTB 02112023
Sovereign Bonds | -1% ₹20 Cr 2,000,000 National Housing Bank
Debentures | -1% ₹15 Cr 1,500 HDFC Bank Limited
Debentures | -1% ₹15 Cr 1,500 10. BOI AXA Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2022 was 4.4% , 2021 was 3.2% and 2020 was 4.9% . BOI AXA Ultra Short Duration Fund
Growth Launch Date 16 Jul 08 NAV (22 Aug 23) ₹2,804.23 ↑ 0.50 (0.02 %) Net Assets (Cr) ₹150 on 31 Jul 23 Category Debt - Ultrashort Bond AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.66 Sharpe Ratio -1.5 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.05% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 18 ₹10,000 30 Sep 19 ₹10,817 30 Sep 20 ₹11,428 30 Sep 21 ₹11,795 30 Sep 22 ₹12,228 30 Sep 23 ₹12,997 Returns for BOI AXA Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.2% 1 Year 6.1% 3 Year 4.3% 5 Year 5.4% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.4% 2021 3.2% 2020 4.9% 2019 7.5% 2018 7.6% 2017 8% 2016 9.1% 2015 8.7% 2014 9.3% 2013 9.2% Fund Manager information for BOI AXA Ultra Short Duration Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 2.04 Yr. Data below for BOI AXA Ultra Short Duration Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 59.01% Debt 40.99% Debt Sector Allocation
Sector Value Corporate 67.13% Cash Equivalent 19.41% Government 13.45% Credit Quality
Rating Value AA 6.62% AAA 93.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rec Limited
Debentures | -10% ₹14 Cr 1,400,000 LIC Housing Finance Limited
Debentures | -8% ₹11 Cr 1,100,000 182 DTB 14092023
Sovereign Bonds | -7% ₹10 Cr 1,000,000 National Bank For Agriculture And Rural Development
Debentures | -7% ₹10 Cr 1,000,000 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -6% ₹9 Cr 900,000 Indian Railway Finance Corporation Limited
Debentures | -4% ₹5 Cr 500,000 Small Industries Development Bank Of India
Debentures | -4% ₹5 Cr 500,000 364 DTB 27102023
Sovereign Bonds | -4% ₹5 Cr 500,000 Export Import Bank Of India
Debentures | -3% ₹4 Cr 400,000 Axis Bank Limited
Certificate of Deposit | -9% ₹13 Cr 1,300,000
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