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फिनकैश »म्यूचुअल फंड्स »अल्ट्रा शॉर्ट टर्म फंड बनाम फिक्स्ड डिपॉजिट

अल्ट्रा शॉर्ट टर्म फंड बनाम फिक्स्ड डिपॉजिट

Updated on September 29, 2023 , 8277 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।

Ultra-Short-Term-Funds-VS-Fixed-Deposits

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. 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.

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 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% .

Below is the key information for UTI Ultra Short Term Fund

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.

DateValue
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

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Ritesh Nambiar1 Jul 158.18 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash71.98%
Debt28.02%
Debt Sector Allocation
SectorValue
Corporate46.93%
Cash Equivalent43.04%
Government10.02%
Credit Quality
RatingValue
AA19.68%
AAA80.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 12102023
Sovereign Bonds | -
7%₹174 Cr1,750,000,000
Embassy Office Parks Reit
Debentures | -
3%₹75 Cr750
182 DTB 29092023
Sovereign Bonds | -
2%₹60 Cr600,000,000
↓ -310,000,000
Reliance Industries Limited
Debentures | -
2%₹50 Cr500
LIC Housing Finance Limited
Debentures | -
2%₹50 Cr500
↑ 500
Torrent Power Limited
Debentures | -
2%₹50 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹50 Cr500
G R Infraprojects Limited
Debentures | -
2%₹49 Cr500
182 DTB 14092023
Sovereign Bonds | -
2%₹45 Cr450,000,000
TATA Motors Finance Solutions Limited
Debentures | -
2%₹39 Cr390

2. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

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 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% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (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.

DateValue
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

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 139.92 Yr.
Kinjal Desai25 May 185.27 Yr.
Akshay Sharma1 Dec 220.75 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash73.38%
Debt26.62%
Debt Sector Allocation
SectorValue
Cash Equivalent46.48%
Corporate32.72%
Government20.8%
Credit Quality
RatingValue
AA23.98%
AAA76.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 07122023
Sovereign Bonds | -
4%₹246 Cr25,000,000
182 DTB 18012024
Sovereign Bonds | -
4%₹244 Cr25,000,000
364 DTB 27102023
Sovereign Bonds | -
3%₹198 Cr20,000,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹175 Cr1,750
↓ -250
Embassy Office Parks Reit
Debentures | -
3%₹150 Cr1,500
Samvardhana Motherson International Limited
Debentures | -
2%₹135 Cr1,350
Piramal Capital & Housing Finance Ltd
Debentures | -
2%₹120 Cr12,000
TATA Motors Limited
Debentures | -
2%₹110 Cr1,100
08.39 RJ UDAY 2024
Domestic Bonds | -
2%₹101 Cr10,000,000
Shriram Transport Finance Company Limited
Debentures | -
1%₹75 Cr7,500

3. 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.

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 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% .

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 (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.

DateValue
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

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 149.21 Yr.
Kaustubh Gupta15 Jul 1112.14 Yr.
Monika Gandhi22 Mar 212.45 Yr.
Dhaval Joshi21 Nov 220.78 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash54.34%
Debt45.66%
Debt Sector Allocation
SectorValue
Corporate46.88%
Cash Equivalent30.31%
Government22.81%
Credit Quality
RatingValue
AA20.68%
AAA79.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
4%₹597 Cr6,000
182 DTB 21122023
Sovereign Bonds | -
3%₹465 Cr47,500,000
Tata Realty And Infrastructure Limited
Debentures | -
2%₹360 Cr36,000
Hindalco Industries Limited
Debentures | -
2%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
182 DTB 07122023
Sovereign Bonds | -
2%₹295 Cr30,000,000
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹250 Cr2,500
HDFC Bank Limited
Debentures | -
2%₹245 Cr2,450
India (Republic of)
- | -
1%₹173 Cr17,500,000
Reliance Industries Limited
Debentures | -
1%₹150 Cr1,500

4. 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.

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 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% .

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 (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.

DateValue
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

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 166.8 Yr.
Ritesh Lunawat15 Jun 176.22 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash57.55%
Debt42.45%
Debt Sector Allocation
SectorValue
Corporate51.42%
Government26.23%
Cash Equivalent22.35%
Credit Quality
RatingValue
AA12.68%
AAA87.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.83% Govt Stock 2023
Sovereign Bonds | -
4%₹502 Cr50,000,000
Embassy Office Parks Reit
Debentures | -
3%₹418 Cr4,200
↓ -250
182 DTB 21122023
Sovereign Bonds | -
2%₹314 Cr32,000,000
LIC Housing Finance Limited
Debentures | -
2%₹296 Cr2,950
182 DTB 07122023
Sovereign Bonds | -
2%₹295 Cr30,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹275 Cr2,750
National Bank For Agriculture And Rural Development
Debentures | -
2%₹258 Cr2,600
08.35 SBI RT SB 2024
Domestic Bonds | -
2%₹252 Cr25,000,000
Mahindra Rural Housing Finance Limited
Debentures | -
2%₹201 Cr2,000
Apollo Building Products Private Limited
Debentures | -
1%₹199 Cr20,000

5. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

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 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% .

Below is the key information for Kotak Savings Fund

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.

DateValue
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

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Deepak Agrawal15 Apr 0815.39 Yr.
Manu Sharma1 Nov 220.83 Yr.
Palha Khanna3 Jul 230.16 Yr.

Data below for Kotak Savings Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash73.73%
Debt26.27%
Debt Sector Allocation
SectorValue
Corporate43.58%
Government32.59%
Cash Equivalent23.83%
Credit Quality
RatingValue
AA7.09%
AAA92.91%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 14092023
Sovereign Bonds | -
5%₹638 Cr64,000,010
↓ -5,000,000
91 DTB 12102023
Sovereign Bonds | -
4%₹496 Cr50,000,000
6.97% Govt Stock 2024
Sovereign Bonds | -
3%₹390 Cr39,000,000
Mahindra & Mahindra Financial Services Ltd
Debentures | -
3%₹350 Cr3,500
182 DTB 29022024
Sovereign Bonds | -
2%₹309 Cr31,981,000
↑ 31,981,000
182 DTB 25012024
Sovereign Bonds | -
2%₹243 Cr25,000,000
182 DTB 08022024
Sovereign Bonds | -
2%₹243 Cr25,000,000
↑ 25,000,000
Rural Electrification Corporation Limited
Debentures | -
2%₹209 Cr2,100
08.30 FERT BND 2023
Domestic Bonds | -
1%₹176 Cr17,565,000
HDFC Bank Limited
Debentures | -
1%₹175 Cr1,750

6. DSP BlackRock 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."

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 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% .

Below is the key information for DSP BlackRock Money Manager Fund

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.

DateValue
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

DSP BlackRock Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for DSP BlackRock 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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Kedar Karnik17 Jul 167.13 Yr.
Karan Mundhra31 May 212.25 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash75.72%
Debt24.28%
Debt Sector Allocation
SectorValue
Cash Equivalent36.08%
Government34.11%
Corporate29.81%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
6%₹151 Cr1,500
364 DTB 07032024
Sovereign Bonds | -
6%₹145 Cr15,000,000
182 DTB 25012024
Sovereign Bonds | -
4%₹97 Cr10,000,000
182 DTB 21122023
Sovereign Bonds | -
3%₹73 Cr7,500,000
364 DTB 26012024
Sovereign Bonds | -
3%₹73 Cr7,500,000
↑ 7,500,000
182 DTB 18012024
Sovereign Bonds | -
1%₹35 Cr3,619,400
National Bank For Agriculture And Rural Development
Debentures | -
1%₹26 Cr250
Goi 12.10.2023 Gov
Sovereign Bonds | -
0%₹6 Cr563,000
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
7%₹181 Cr
Axis Bank Limited
Certificate of Deposit | -
4%₹95 Cr2,000

7. 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.

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 CAGR/Annualized return of 7.1% since its launch.  Return for 2022 was 4.5% , 2021 was 3.4% and 2020 was 5.9% .

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 (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.

DateValue
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

SBI Magnum Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Mohit Jain30 Nov 175.76 Yr.
Arun R.1 Jul 212.17 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash71.33%
Debt28.67%
Debt Sector Allocation
SectorValue
Corporate46.12%
Cash Equivalent35.04%
Government18.84%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
08.35 SBI RT SB 2024
Domestic Bonds | -
4%₹504 Cr50,000,000
182 DTB 22092023
Sovereign Bonds | -
3%₹448 Cr45,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹385 Cr3,850
LIC Housing Finance Limited
Debentures | -
2%₹276 Cr2,750
Rural Electrification Corporation Limited
Debentures | -
2%₹227 Cr2,300
91 DTB 12102023
Sovereign Bonds | -
2%₹223 Cr22,500,000
Bajaj Finance Limited
Debentures | -
2%₹206 Cr2,050
Larsen And Toubro Limited
Debentures | -
2%₹200 Cr20,000
182 DTB 14092023
Sovereign Bonds | -
2%₹200 Cr20,000,000
182 DTB 05102023
Sovereign Bonds | -
1%₹199 Cr20,000,000

8. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

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 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% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund
Growth
Launch Date 30 Dec 10
NAV (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.

DateValue
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

Invesco India Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Krishna Cheemalapati4 Jan 203.66 Yr.
Vikas Garg27 Jul 212.1 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash69.69%
Debt30.31%
Debt Sector Allocation
SectorValue
Corporate46.65%
Cash Equivalent31.81%
Government21.54%
Credit Quality
RatingValue
AA13.46%
AAA86.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Pipeline Infrastructure Limited
Debentures | -
5%₹35 Cr3,500,000
Oil And Natural Gas Corporation Limited
Debentures | -
5%₹35 Cr3,500,000
↑ 3,500,000
182 DTB 07122023
Sovereign Bonds | -
5%₹34 Cr3,500,000
364 DTB 09112023
Sovereign Bonds | -
4%₹30 Cr3,000,000
↓ -2,000,000
Bharat Petroleum Corporation Ltd.
Debentures | -
3%₹25 Cr2,500,000
The Tata Power Company Limited
Debentures | -
3%₹20 Cr2,000,000
Bharti Hexacom Limited
Debentures | -
3%₹20 Cr2,000,000
0% GOI - 17122023 STRIPS
Sovereign Bonds | -
3%₹19 Cr1,907,500
Bharti Telecom Limited
Debentures | -
2%₹17 Cr1,700,000
Kotak Mahindra Investments Limited
Debentures | -
2%₹14 Cr1,500,000

9. Principal Ultra Short Term Fund

(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 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% .

Below is the key information for Principal Ultra Short Term Fund

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.

DateValue
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

Principal Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹191,330.
Net Profit of ₹11,330
Invest Now

Returns for Principal 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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Dwijendra Srivastava16 May 221.29 Yr.
Sandeep Agarwal1 Jan 221.66 Yr.

Data below for Principal Ultra Short Term Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash86.1%
Debt13.9%
Debt Sector Allocation
SectorValue
Cash Equivalent39.71%
Corporate31.74%
Government28.56%
Credit Quality
RatingValue
AA2.45%
AAA97.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 14032024
Sovereign Bonds | -
5%₹72 Cr7,500,000
↑ 5,000,000
182 DTB 11012024
Sovereign Bonds | -
3%₹49 Cr5,000,000
182 DTB 22022024
Sovereign Bonds | -
3%₹49 Cr5,000,000
182 DTB 07032023
Sovereign Bonds | -
3%₹48 Cr5,000,000
↑ 5,000,000
LIC Housing Finance Limited
Debentures | -
3%₹45 Cr450
↑ 450
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹25 Cr250,000
Punjab National Bank
Domestic Bonds | -
2%₹25 Cr500
↑ 500
91 DTB 02112023
Sovereign Bonds | -
1%₹20 Cr2,000,000
National Housing Bank
Debentures | -
1%₹15 Cr1,500
HDFC Bank Limited
Debentures | -
1%₹15 Cr1,500

10. 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.

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 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% .

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 (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.

DateValue
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

BOI AXA Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 22 Aug 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Mithraem Bharucha17 Aug 212.04 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 31 Jul 23

Asset Allocation
Asset ClassValue
Cash59.01%
Debt40.99%
Debt Sector Allocation
SectorValue
Corporate67.13%
Cash Equivalent19.41%
Government13.45%
Credit Quality
RatingValue
AA6.62%
AAA93.38%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Rec Limited
Debentures | -
10%₹14 Cr1,400,000
LIC Housing Finance Limited
Debentures | -
8%₹11 Cr1,100,000
182 DTB 14092023
Sovereign Bonds | -
7%₹10 Cr1,000,000
National Bank For Agriculture And Rural Development
Debentures | -
7%₹10 Cr1,000,000
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
6%₹9 Cr900,000
Indian Railway Finance Corporation Limited
Debentures | -
4%₹5 Cr500,000
Small Industries Development Bank Of India
Debentures | -
4%₹5 Cr500,000
364 DTB 27102023
Sovereign Bonds | -
4%₹5 Cr500,000
Export Import Bank Of India
Debentures | -
3%₹4 Cr400,000
Axis Bank Limited
Certificate of Deposit | -
9%₹13 Cr1,300,000

इस प्रकार, ऊपर दिए गए मापदंडों से, हम यह निष्कर्ष निकाल सकते हैं कि सावधि जमा की तुलना में अल्ट्रा शॉर्ट टर्म फंड एक बेहतर विकल्प है।

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।
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