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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
- Nippon India Ultra Short Duration Fund
- Aditya Birla Sun Life Savings Fund
- UTI Ultra Short Term Fund
- ICICI Prudential Ultra Short Term Fund
- Principal Ultra Short Term Fund
- Kotak Savings Fund
- DSP BlackRock Money Manager Fund
- Invesco India Ultra Short Term Fund
- SBI Magnum Ultra Short Duration 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 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 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 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 "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 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 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 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. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (24 Jul 24) ₹3,772.86 ↑ 0.66 (0.02 %) Net Assets (Cr) ₹6,040 on 30 Jun 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.17 Sharpe Ratio -0.73 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.99% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,195 30 Jun 21 ₹10,769 30 Jun 22 ₹11,448 30 Jun 23 ₹12,156 30 Jun 24 ₹12,996 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.7% 1 Year 7% 3 Year 5.7% 5 Year 5.3% 10 Year 15 Year Since launch 6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.4% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 10.76 Yr. Kinjal Desai 25 May 18 6.11 Yr. Akshay Sharma 1 Dec 22 1.58 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 60.47% Debt 39.3% Other 0.23% Debt Sector Allocation
Sector Value Corporate 66% Cash Equivalent 21.84% Government 11.27% Securitized 0.66% Credit Quality
Rating Value AA 15.9% AAA 84.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -8% ₹493 Cr 50,000,000 Power Finance Corporation Limited
Debentures | -4% ₹266 Cr 2,650 Dlf Cyber City Developers Ltd
Debentures | -4% ₹258 Cr 2,590 Indinfravit Trust
Debentures | -4% ₹214 Cr 22,000 182 DTB 22082024
Sovereign Bonds | -3% ₹193 Cr 19,500,000 Rec Limited
Debentures | -3% ₹180 Cr 1,850 India (Republic of)
- | -2% ₹103 Cr 10,500,000 Shriram Finance Limited
Debentures | -2% ₹100 Cr 1,000 Bharti Telecom Limited
Debentures | -2% ₹100 Cr 1,000 National Housing Bank
Debentures | -2% ₹100 Cr 10,000 2. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (24 Jul 24) ₹510.36 ↑ 0.11 (0.02 %) Net Assets (Cr) ₹14,888 on 30 Jun 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.68 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.89% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,829 30 Jun 21 ₹11,353 30 Jun 22 ₹11,789 30 Jun 23 ₹12,562 30 Jun 24 ₹13,498 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.9% 1 Year 7.4% 3 Year 6% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.7% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 10.04 Yr. Kaustubh Gupta 15 Jul 11 12.97 Yr. Monika Gandhi 22 Mar 21 3.28 Yr. Dhaval Joshi 21 Nov 22 1.61 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 45.45% Debt 54.29% Other 0.26% Debt Sector Allocation
Sector Value Corporate 61.13% Cash Equivalent 26.37% Government 12.24% Credit Quality
Rating Value AA 25.09% AAA 74.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -6% ₹820 Cr 82,000
↑ 34,500 HDFC Bank Limited
Debentures | -4% ₹598 Cr 6,000 Nirma Limited
Debentures | -3% ₹500 Cr 50,000 National Housing Bank 7.78%
Debentures | -3% ₹400 Cr 40,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹360 Cr 36,000 Bharti Telecom Limited
Debentures | -2% ₹325 Cr 3,250 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹300 Cr 30,000 Nirma Limited 8.3%
Debentures | -2% ₹250 Cr 25,000 91 DTB 25072024
Sovereign Bonds | -2% ₹250 Cr 25,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹249 Cr 2,500 3. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (24 Jul 24) ₹3,970.94 ↑ 0.74 (0.02 %) Net Assets (Cr) ₹2,404 on 30 Jun 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.95 Sharpe Ratio -0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.74% Effective Maturity 6 Months 1 Day Modified Duration 5 Months 21 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,654 30 Jun 21 ₹11,076 30 Jun 22 ₹11,740 30 Jun 23 ₹12,458 30 Jun 24 ₹13,319 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.6% 1 Year 7% 3 Year 6.4% 5 Year 5.9% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.8% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Ritesh Nambiar 1 Jul 15 9.01 Yr. Data below for UTI Ultra Short Term Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 63.93% Debt 35.83% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 48.79% Corporate 46.86% Government 4.11% Credit Quality
Rating Value AA 28.23% AAA 71.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity Ntpc Limited
Debentures | -4% ₹100 Cr 1,000 91 DTB 15082024
Sovereign Bonds | -4% ₹99 Cr 1,000,000,000 Ongc Petro Additions Limited
Debentures | -3% ₹75 Cr 7,500 Shriram Finance Limited
Debentures | -3% ₹70 Cr 700 LIC Housing Finance Ltd
Debentures | -2% ₹50 Cr 500 Bharti Telecom Limited
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹49 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹49 Cr 500 ICICI Bank Ltd.
Debentures | -2% ₹48 Cr 500,000,000 Indian Bank
Domestic Bonds | -2% ₹48 Cr 500,000,000 4. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (24 Jul 24) ₹25.8888 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹13,873 on 30 Jun 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.42 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 7.72% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,786 30 Jun 21 ₹11,328 30 Jun 22 ₹11,744 30 Jun 23 ₹12,494 30 Jun 24 ₹13,387 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.8% 1 Year 7.2% 3 Year 5.8% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 14.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 7.63 Yr. Ritesh Lunawat 15 Jun 17 7.05 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 58.5% Debt 41.26% Other 0.24% Debt Sector Allocation
Sector Value Corporate 57.75% Cash Equivalent 31.7% Government 10.3% Credit Quality
Rating Value AA 12.77% AAA 87.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity Punjab National Bank
Domestic Bonds | -4% ₹574 Cr 12,000
↑ 12,000 India (Republic of)
- | -3% ₹385 Cr 40,000,000 364 DTB 13032025
Sovereign Bonds | -3% ₹383 Cr 40,000,000 Bharti Telecom Limited
Debentures | -2% ₹341 Cr 34,000 India (Republic of)
- | -2% ₹291 Cr 30,000,000 HDFC Bank Ltd.
Debentures | -2% ₹287 Cr 6,000 Indusind Bank Ltd.
Debentures | -2% ₹241 Cr 5,000 Indusind Bank Ltd.
Debentures | -2% ₹215 Cr 4,500 182 DTB 25072024
Sovereign Bonds | -1% ₹200 Cr 20,000,000 182 DTB 18102024
Sovereign Bonds | -1% ₹197 Cr 20,000,000 5. Principal Ultra Short Term Fund
CAGR/Annualized return of 5.8% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2023 was 6.1% , 2022 was 3.7% and 2021 was 2.7% . Principal Ultra Short Term Fund
Growth Launch Date 28 Dec 07 NAV (24 Jul 24) ₹2,532.13 ↑ 0.41 (0.02 %) Net Assets (Cr) ₹1,917 on 30 Jun 24 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.39 Sharpe Ratio -5.34 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.67% Effective Maturity 7 Months 2 Days Modified Duration 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,560 30 Jun 21 ₹10,857 30 Jun 22 ₹11,146 30 Jun 23 ₹11,761 30 Jun 24 ₹12,487 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.2% 1 Year 6.3% 3 Year 4.9% 5 Year 4.5% 10 Year 15 Year Since launch 5.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.4% Fund Manager information for Principal Ultra Short Term Fund
Name Since Tenure Dwijendra Srivastava 16 May 22 2.13 Yr. Sandeep Agarwal 1 Jan 22 2.5 Yr. Data below for Principal Ultra Short Term Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 77.91% Debt 21.84% Other 0.24% Debt Sector Allocation
Sector Value Corporate 62.29% Cash Equivalent 32.26% Government 5.21% Credit Quality
Rating Value AA 7.56% AAA 92.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹100 Cr 10,000,000
↑ 10,000,000 Bharti Telecom Limited
Debentures | -3% ₹50 Cr 5,000 91 DTB 15082024
Sovereign Bonds | -3% ₹50 Cr 5,000,000 Punjab National Bank
Domestic Bonds | -3% ₹48 Cr 1,000 Union Bank of India
Domestic Bonds | -2% ₹38 Cr 800 IDFC First Bank Ltd.
Debentures | -2% ₹32 Cr 660 LIC Housing Finance Ltd
Debentures | -2% ₹30 Cr 300 ICICI Bank Ltd.
Debentures | -2% ₹29 Cr 600 HDFC Bank Ltd.
Debentures | -1% ₹29 Cr 600 Nhpc Limited
Debentures | -1% ₹25 Cr 250 6. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (24 Jul 24) ₹40.1464 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹14,195 on 30 Jun 24 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio -0.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 7 Months 6 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,750 30 Jun 21 ₹11,148 30 Jun 22 ₹11,525 30 Jun 23 ₹12,247 30 Jun 24 ₹13,097 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.7% 1 Year 7% 3 Year 5.6% 5 Year 5.5% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.4% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 16.22 Yr. Manu Sharma 1 Nov 22 1.67 Yr. Palha Khanna 3 Jul 23 1 Yr. Data below for Kotak Savings Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 57.41% Debt 42.33% Other 0.26% Debt Sector Allocation
Sector Value Corporate 59.29% Cash Equivalent 24.11% Government 16.34% Credit Quality
Rating Value AA 9.24% AAA 90.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 12122024
Sovereign Bonds | -3% ₹486 Cr 50,000,000 Rural Electrification Corporation Limited
Debentures | -3% ₹459 Cr 4,600 India (Republic of)
- | -3% ₹396 Cr 40,000,000 India (Republic of)
- | -3% ₹385 Cr 40,000,000 India (Republic of)
- | -3% ₹377 Cr 38,000,010
↓ -53,500,000 Mahindra And Mahindra Financial Services Limited
Debentures | -2% ₹350 Cr 3,500 LIC Housing Finance Ltd
Debentures | -2% ₹297 Cr 3,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 IDFC First Bank Ltd.
Debentures | -2% ₹239 Cr 25,000 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 7. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (24 Jul 24) ₹3,190.9 ↑ 0.56 (0.02 %) Net Assets (Cr) ₹2,676 on 30 Jun 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -1 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.56% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,660 30 Jun 21 ₹10,991 30 Jun 22 ₹11,318 30 Jun 23 ₹11,986 30 Jun 24 ₹12,808 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.5% 1 Year 6.9% 3 Year 5.3% 5 Year 5% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.8% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Kedar Karnik 17 Jul 16 7.96 Yr. Karan Mundhra 31 May 21 3.09 Yr. Data below for DSP BlackRock Money Manager Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 69.99% Debt 29.76% Other 0.25% Debt Sector Allocation
Sector Value Corporate 58.91% Cash Equivalent 31.58% Government 9.26% Credit Quality
Rating Value AA 2.67% AAA 97.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 05122024
Sovereign Bonds | -5% ₹121 Cr 12,500,000
↑ 12,500,000 182 DTB 25072024
Sovereign Bonds | -3% ₹75 Cr 7,500,000 Bank of Baroda
Debentures | -3% ₹72 Cr 1,500 Can Fin Homes Limited
Debentures | -2% ₹51 Cr 500
↑ 500 182 DTB 18072024
Sovereign Bonds | -2% ₹50 Cr 5,000,000 182 DTB 14112024
Sovereign Bonds | -2% ₹49 Cr 5,000,000 Tata Projects Limited
Debentures | -2% ₹48 Cr 1,000
↑ 1,000 Punjab National Bank
Domestic Bonds | -2% ₹48 Cr 1,000 LIC Housing Finance Ltd
Debentures | -2% ₹48 Cr 450 IDFC First Bank Ltd.
Debentures | -2% ₹48 Cr 1,000 8. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (24 Jul 24) ₹2,523.23 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹692 on 30 Jun 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.89 Sharpe Ratio 0.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 5 Months 22 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,705 30 Jun 21 ₹11,052 30 Jun 22 ₹11,389 30 Jun 23 ₹12,071 30 Jun 24 ₹12,930 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.9% 1 Year 7.2% 3 Year 5.5% 5 Year 5.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 10.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 4.49 Yr. Vikas Garg 27 Jul 21 2.93 Yr. Data below for Invesco India Ultra Short Term Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 47.77% Debt 51.93% Other 0.3% Debt Sector Allocation
Sector Value Corporate 65.76% Government 17.02% Cash Equivalent 16.93% Credit Quality
Rating Value AA 15.02% AAA 84.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity Canara Bank
Domestic Bonds | -7% ₹48 Cr 5,000,000
↑ 5,000,000 Power Grid Corporation Of India Limited
Debentures | -4% ₹25 Cr 2,500,000
↑ 2,500,000 Bharti Telecom Limited
Debentures | -4% ₹25 Cr 2,500,000 National Housing Bank
Debentures | -4% ₹25 Cr 2,500,000 National Housing Bank
Debentures | -4% ₹25 Cr 2,500,000
↑ 2,500,000 182 DTB 28112024
Sovereign Bonds | -4% ₹24 Cr 2,500,000 182 DTB 12122024
Sovereign Bonds | -4% ₹24 Cr 2,500,000 HDFC Bank Ltd.
Debentures | -3% ₹24 Cr 2,500,000 Indian Bank
Domestic Bonds | -3% ₹24 Cr 2,500,000 LIC Housing Finance Ltd
Debentures | -3% ₹20 Cr 2,000,000 9. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (24 Jul 24) ₹5,585.94 ↑ 0.99 (0.02 %) Net Assets (Cr) ₹12,915 on 15 Jul 24 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.49 Sharpe Ratio 0.7 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.54% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,769 30 Jun 21 ₹11,178 30 Jun 22 ₹11,554 30 Jun 23 ₹12,291 30 Jun 24 ₹13,174 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.2% 3 Year 5.7% 5 Year 5.6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Arun R. 1 Jun 21 3.08 Yr. Ardhendu Bhattacharya 1 Dec 23 0.58 Yr. Pradeep Kesavan 1 Dec 23 0.58 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 15 Jul 24
Asset Allocation
Asset Class Value Cash 66.91% Debt 32.86% Other 0.23% Debt Sector Allocation
Sector Value Corporate 58.6% Cash Equivalent 34.7% Government 6.47% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 02082024
Sovereign Bonds | -6% ₹798 Cr 80,000,000 Indian Bank
Domestic Bonds | -3% ₹444 Cr 9,000
↑ 9,000 India (Republic of)
- | -3% ₹443 Cr 45,000,000
↑ 45,000,000 Power Finance Corporation Limited
Debentures | -3% ₹383 Cr 3,850
↑ 1,000 Panatone Finvest Ltd
Debentures | -2% ₹288 Cr 6,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹271 Cr 5,500 182 DTB 25072024
Sovereign Bonds | -2% ₹250 Cr 25,000,000 LIC Housing Finance Ltd
Debentures | -2% ₹248 Cr 2,500 RBL Bank Ltd.
Debentures | -2% ₹243 Cr 5,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹242 Cr 5,000 10. BOI AXA Ultra Short Duration Fund
CAGR/Annualized return of 7% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2023 was 6.2% , 2022 was 4.4% and 2021 was 3.2% . BOI AXA Ultra Short Duration Fund
Growth Launch Date 16 Jul 08 NAV (24 Jul 24) ₹2,969.72 ↑ 0.57 (0.02 %) Net Assets (Cr) ₹169 on 30 Jun 24 Category Debt - Ultrashort Bond AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.66 Sharpe Ratio -4.5 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.31% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 19 ₹10,000 30 Jun 20 ₹10,675 30 Jun 21 ₹11,035 30 Jun 22 ₹11,394 30 Jun 23 ₹12,079 30 Jun 24 ₹12,836 Returns for BOI AXA Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Jul 24 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.3% 3 Year 5.3% 5 Year 5.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.2% 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% Fund Manager information for BOI AXA Ultra Short Duration Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 2.87 Yr. Data below for BOI AXA Ultra Short Duration Fund as on 30 Jun 24
Asset Allocation
Asset Class Value Cash 72.99% Debt 26.76% Other 0.24% Debt Sector Allocation
Sector Value Corporate 60.38% Cash Equivalent 27.06% Government 12.31% Credit Quality
Rating Value AA 6.4% AAA 93.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Grid Corporation Of India Limited
Debentures | -6% ₹10 Cr 1,005,000 Cholamandalam Investment And Finance Company Limited
Debentures | -6% ₹10 Cr 1,000,000 Larsen And Toubro Limited
Debentures | -6% ₹10 Cr 1,000,000 LIC Housing Finance Ltd
Debentures | -6% ₹10 Cr 1,000,000 364 DTB 28112024
Sovereign Bonds | -6% ₹10 Cr 1,000,000 HDFC Bank Limited
Debentures | -2% ₹4 Cr 400,000 India (Republic of)
- | -1% ₹1 Cr 100,000 LIC Housing Finance Ltd
Debentures | -0% ₹0 Cr 50,000 Corporate Debt Market Development Fund
Investment Fund | -0% ₹0 Cr 400
↑ 38 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -8% ₹14 Cr 1,500,000
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