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

अल्ट्रा शॉर्ट टर्म फंड बनाम फिक्स्ड डिपॉजिट

Updated on May 15, 2024 , 9158 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. 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 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% .

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 (17 May 24) ₹25.5463 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹12,180 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 0.66
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 8.02%
Effective Maturity 5 Months 8 Days
Modified Duration 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,729
30 Apr 21₹11,409
30 Apr 22₹11,846
30 Apr 23₹12,517
30 Apr 24₹13,422

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.9%
6 Month 3.7%
1 Year 7.2%
3 Year 5.6%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 167.38 Yr.
Ritesh Lunawat15 Jun 176.8 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash61.82%
Debt37.92%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate46.2%
Cash Equivalent42.12%
Government11.41%
Credit Quality
RatingValue
AA16.53%
AAA83.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
3%₹378 Cr40,000,000
India (Republic of)
- | -
3%₹376 Cr40,000,000
Bharti Telecom Limited
Debentures | -
3%₹341 Cr34,000
LIC Housing Finance Ltd
Debentures | -
2%₹295 Cr2,950
India (Republic of)
- | -
2%₹286 Cr30,000,000
HDFC Bank Ltd.
Debentures | -
2%₹282 Cr6,000
Indusind Bank Ltd.
Debentures | -
2%₹236 Cr5,000
Indusind Bank Ltd.
Debentures | -
2%₹212 Cr4,500
Mahindra Rural Housing Finance Limited
Debentures | -
2%₹200 Cr2,000
Apollo Building Products Private Limited
Debentures | -
2%₹200 Cr20,000

2. 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 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

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 (17 May 24) ₹503.528 ↑ 0.12   (0.02 %)
Net Assets (Cr) ₹10,748 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 1.48
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.95%
Effective Maturity 6 Months 4 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,739
30 Apr 21₹11,439
30 Apr 22₹11,902
30 Apr 23₹12,581
30 Apr 24₹13,526

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 2%
6 Month 3.8%
1 Year 7.4%
3 Year 5.8%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 149.79 Yr.
Kaustubh Gupta15 Jul 1112.72 Yr.
Monika Gandhi22 Mar 213.03 Yr.
Dhaval Joshi21 Nov 221.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash38.02%
Debt61.65%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate63.67%
Cash Equivalent21.04%
Government14.84%
Securitized0.12%
Credit Quality
RatingValue
AA29.33%
AAA70.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
5%₹598 Cr6,000
Nirma Limited
Debentures | -
4%₹500 Cr50,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹361 Cr36,000
Bharti Telecom Limited
Debentures | -
3%₹325 Cr3,250
Small Industries Development Bank of India 7.68%
Debentures | -
3%₹325 Cr32,500
↑ 32,500
Bajaj Housing Finance Ltd. 8%
Debentures | -
3%₹300 Cr30,000
Nirma Limited 8.3%
Debentures | -
2%₹250 Cr25,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹249 Cr2,500
HDFC Bank Limited
Debentures | -
2%₹244 Cr2,450
National Bank For Agriculture And Rural Development
Debentures | -
2%₹244 Cr2,500

3. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

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 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (17 May 24) ₹3,920.42 ↑ 0.73   (0.02 %)
Net Assets (Cr) ₹2,093 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio -0.28
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.91%
Effective Maturity 6 Months 13 Days
Modified Duration 6 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,255
30 Apr 21₹10,735
30 Apr 22₹11,394
30 Apr 23₹12,000
30 Apr 24₹12,836

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.8%
6 Month 3.5%
1 Year 6.9%
3 Year 6.2%
5 Year 5.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Ritesh Nambiar1 Jul 158.76 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash65.67%
Debt34.11%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate56.2%
Cash Equivalent40.36%
Government3.22%
Credit Quality
RatingValue
AA19.59%
AAA80.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Ongc Petro Additions Limited
Debentures | -
2%₹50 Cr5,000
LIC Housing Finance Ltd
Debentures | -
2%₹50 Cr500
ICICI Bank Ltd.
Debentures | -
2%₹47 Cr500,000,000
ICICI Bank Ltd.
Debentures | -
2%₹47 Cr500,000,000
↑ 500,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹47 Cr500,000,000
↑ 500,000,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹40 Cr400
Aditya Birla Fashion And Retail Limited
Debentures | -
2%₹40 Cr400
Axis Finance Limited
Debentures | -
1%₹29 Cr250
Power Finance Corporation Limited
Debentures | -
1%₹25 Cr250
India Grid TRust
Debentures | -
1%₹25 Cr250

4. 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 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% .

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 (17 May 24) ₹3,723.58 ↑ 0.78   (0.02 %)
Net Assets (Cr) ₹4,332 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.17
Sharpe Ratio -0.34
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.89%
Effective Maturity 5 Months 25 Days
Modified Duration 5 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,044
30 Apr 21₹10,589
30 Apr 22₹11,393
30 Apr 23₹12,019
30 Apr 24₹12,854

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.9%
6 Month 3.5%
1 Year 6.9%
3 Year 6.7%
5 Year 5.1%
10 Year
15 Year
Since launch 6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 1310.51 Yr.
Kinjal Desai25 May 185.86 Yr.
Akshay Sharma1 Dec 221.33 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash47.75%
Debt52%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate56.71%
Cash Equivalent23.16%
Government19.88%
Credit Quality
RatingValue
AA16.26%
AAA83.74%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
9%₹486 Cr50,000,000
182 DTB 22082024
Sovereign Bonds | -
5%₹288 Cr29,500,000
↑ 19,500,000
Power Finance Corporation Limited
Debentures | -
4%₹216 Cr2,150
↑ 1,150
Indinfravit Trust
Debentures | -
4%₹215 Cr22,000
Punjab National Bank
Domestic Bonds | -
4%₹198 Cr4,000
Canara Bank
Domestic Bonds | -
4%₹198 Cr4,000
↓ -1,500
Dlf Cyber City Developers Ltd
Debentures | -
2%₹138 Cr1,390
Hdb Financial Services Limited
Debentures | -
2%₹118 Cr1,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹116 Cr1,150
↑ 500
India (Republic of)
- | -
2%₹102 Cr10,500,000
↑ 10,500,000

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 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (17 May 24) ₹39.6242 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹12,372 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.47
Sharpe Ratio -0.08
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.8%
Effective Maturity 8 Months 8 Days
Modified Duration 6 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,716
30 Apr 21₹11,238
30 Apr 22₹11,624
30 Apr 23₹12,264
30 Apr 24₹13,122

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.9%
6 Month 3.5%
1 Year 6.9%
3 Year 5.4%
5 Year 5.6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Deepak Agrawal15 Apr 0815.97 Yr.
Manu Sharma1 Nov 221.42 Yr.
Palha Khanna3 Jul 230.75 Yr.

Data below for Kotak Savings Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash46.6%
Debt53.18%
Other0.21%
Debt Sector Allocation
SectorValue
Corporate59.27%
Government20.55%
Cash Equivalent19.96%
Credit Quality
RatingValue
AA9.78%
AAA90.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
4%₹584 Cr60,000,010
↑ 20,000,000
Union Bank of India
Domestic Bonds | -
3%₹470 Cr50,000
Rural Electrification Corporation Limited
Debentures | -
3%₹459 Cr4,600
182 DTB 22082024
Sovereign Bonds | -
3%₹439 Cr45,000,000
India (Republic of)
- | -
3%₹389 Cr40,000,000
India (Republic of)
- | -
3%₹378 Cr40,000,000
Mahindra And Mahindra Financial Services Limited
Debentures | -
2%₹350 Cr3,500
Canara Bank
Domestic Bonds | -
2%₹344 Cr35,000
↑ 35,000
Nirma Limited 0.083%
Debentures | -
2%₹250 Cr25,000
182 DTB 29082024
Sovereign Bonds | -
2%₹244 Cr25,000,000

6. 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 7.1% since its launch.  Ranked 40 in Ultrashort Bond category.  Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% .

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 (17 May 24) ₹2,491.06 ↑ 0.43   (0.02 %)
Net Assets (Cr) ₹614 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.89
Sharpe Ratio 0.33
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.74%
Effective Maturity 5 Months 24 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,686
30 Apr 21₹11,139
30 Apr 22₹11,489
30 Apr 23₹12,086
30 Apr 24₹12,949

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 2%
6 Month 3.8%
1 Year 7.1%
3 Year 5.2%
5 Year 5.3%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Krishna Cheemalapati4 Jan 204.24 Yr.
Vikas Garg27 Jul 212.68 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash43.51%
Debt56.14%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate65.04%
Government20.25%
Cash Equivalent14.36%
Credit Quality
RatingValue
AA20.39%
AAA79.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
6%₹34 Cr3,500,000
Power Grid Corporation Of India Limited
Debentures | -
4%₹25 Cr2,500,000
Jamnagar Utilities & Power Private Limited
Debentures | -
4%₹25 Cr2,500,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹25 Cr2,500,000
182 DTB 22082024
Sovereign Bonds | -
4%₹24 Cr2,500,000
Kotak Mahindra Bank Ltd.
Debentures | -
4%₹24 Cr2,500,000
Bharti Hexacom Limited
Debentures | -
3%₹20 Cr2,000,000
LIC Housing Finance Ltd
Debentures | -
3%₹20 Cr2,000,000
PNb Housing Finance Limited
Debentures | -
3%₹15 Cr1,500,000
The Tata Power Company Limited
Debentures | -
3%₹15 Cr1,500,000

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 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% .

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 (17 May 24) ₹5,511.26 ↑ 1.05   (0.02 %)
Net Assets (Cr) ₹9,018 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.49
Sharpe Ratio 0.77
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.68%
Effective Maturity 5 Months 8 Days
Modified Duration 4 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,734
30 Apr 21₹11,262
30 Apr 22₹11,657
30 Apr 23₹12,301
30 Apr 24₹13,186

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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.9%
6 Month 3.6%
1 Year 7.1%
3 Year 5.5%
5 Year 5.7%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Arun R.1 Jun 212.84 Yr.
Ardhendu Bhattacharya1 Dec 230.33 Yr.
Pradeep Kesavan1 Dec 230.33 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash67.4%
Debt32.31%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate56.18%
Cash Equivalent36.75%
Government6.78%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 25042024
Sovereign Bonds | -
7%₹649 Cr65,000,000
Tata Teleservices Ltd
Debentures | -
4%₹382 Cr8,000
Panatone Finvest Ltd
Debentures | -
3%₹283 Cr6,000
Kotak Mahindra Bank Ltd.
Debentures | -
3%₹266 Cr5,500
Rural Electrification Corporation Limited
Debentures | -
3%₹259 Cr2,600
182 DTB 06062024
Sovereign Bonds | -
3%₹248 Cr25,000,000
↓ -35,000,000
LIC Housing Finance Ltd
Debentures | -
3%₹247 Cr2,500
↑ 2,500
RBL Bank Ltd.
Debentures | -
2%₹238 Cr5,000
Equitas Small Finance Bank Ltd.
Debentures | -
2%₹238 Cr5,000
Power Finance Corporation Limited
Debentures | -
2%₹209 Cr2,100
↑ 2,100

8. 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 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (17 May 24) ₹3,150.88 ↑ 0.50   (0.02 %)
Net Assets (Cr) ₹2,228 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio -1.1
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.63%
Effective Maturity 5 Months 26 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,670
30 Apr 21₹11,080
30 Apr 22₹11,415
30 Apr 23₹12,004
30 Apr 24₹12,829

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 ₹197,169.
Net Profit of ₹17,169
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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.8%
6 Month 3.4%
1 Year 6.8%
3 Year 5.1%
5 Year 5.1%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kedar Karnik17 Jul 167.71 Yr.
Karan Mundhra31 May 212.84 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash76.21%
Debt23.52%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate59.25%
Cash Equivalent31.16%
Government9.32%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.35% Govt Stock 2024
Sovereign Bonds | -
3%₹80 Cr7,800,000
182 DTB 25072024
Sovereign Bonds | -
3%₹74 Cr7,500,000
Bank of Baroda
Debentures | -
3%₹70 Cr1,500
↑ 1,000
Bajaj Housing Finance Limited
Debentures | -
2%₹53 Cr500
LIC Housing Finance Ltd
Debentures | -
2%₹52 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹52 Cr500
Kisetsu Saison Finance (India) Pvt Ltd.
Debentures | -
2%₹49 Cr1,000
↑ 1,000
182 DTB 18072024
Sovereign Bonds | -
2%₹49 Cr5,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹48 Cr1,000
Punjab National Bank
Domestic Bonds | -
2%₹47 Cr1,000

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 5.8% since its launch.  Ranked 43 in Ultrashort Bond category.  Return for 2023 was 6.1% , 2022 was 3.7% and 2021 was 2.7% .

Below is the key information for Principal Ultra Short Term Fund

Principal Ultra Short Term Fund
Growth
Launch Date 28 Dec 07
NAV (17 May 24) ₹2,502.61 ↑ 0.47   (0.02 %)
Net Assets (Cr) ₹1,909 on 15 Mar 24
Category Debt - Ultrashort Bond
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.39
Sharpe Ratio -5.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,000
Exit Load NIL
Yield to Maturity 7.61%
Effective Maturity 5 Months 18 Days
Modified Duration 5 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,573
30 Apr 21₹10,932
30 Apr 22₹11,225
30 Apr 23₹11,770
30 Apr 24₹12,502

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 ₹194,235.
Net Profit of ₹14,235
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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.2%
1 Year 6.2%
3 Year 4.6%
5 Year 4.5%
10 Year
15 Year
Since launch 5.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Dwijendra Srivastava16 May 221.88 Yr.
Sandeep Agarwal1 Jan 222.25 Yr.

Data below for Principal Ultra Short Term Fund as on 15 Mar 24

Asset Allocation
Asset ClassValue
Cash77.72%
Debt22.06%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate47.6%
Cash Equivalent41.72%
Government10.47%
Credit Quality
RatingValue
AA4.89%
AAA95.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 29082024
Sovereign Bonds | -
5%₹97 Cr10,000,000
Bharti Telecom Limited
Debentures | -
2%₹50 Cr5,000
Canara Bank
Domestic Bonds | -
2%₹49 Cr1,000
Punjab National Bank
Domestic Bonds | -
2%₹47 Cr1,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹40 Cr400
↑ 400
Union Bank of India
Domestic Bonds | -
2%₹38 Cr800
IDFC First Bank Ltd.
Debentures | -
1%₹31 Cr660
LIC Housing Finance Ltd
Debentures | -
1%₹30 Cr300
ICICI Bank Ltd.
Debentures | -
1%₹28 Cr600
HDFC Bank Ltd.
Debentures | -
1%₹28 Cr600

10. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 14 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 72 in Ultrashort Bond category.  Return for 2023 was 6.4% , 2022 was 3.9% and 2021 was 2.6% .

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund
Growth
Launch Date 14 Jul 08
NAV (17 May 24) ₹3,523.03 ↑ 0.57   (0.02 %)
Net Assets (Cr) ₹460 on 31 Mar 24
Category Debt - Ultrashort Bond
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.95
Sharpe Ratio -2.44
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.58%
Effective Maturity 5 Months 8 Days
Modified Duration 4 Months 27 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 19₹10,000
30 Apr 20₹10,610
30 Apr 21₹11,002
30 Apr 22₹11,308
30 Apr 23₹11,876
30 Apr 24₹12,654

Canara Robeco 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 ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for Canara Robeco 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 17 May 24

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.3%
1 Year 6.5%
3 Year 4.8%
5 Year 4.8%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.4%
2022 3.9%
2021 2.6%
2020 4.5%
2019 6.6%
2018 6.1%
2017 5.7%
2016 7.3%
2015 8.4%
2014 9.3%
Fund Manager information for Canara Robeco Ultra Short Term Fund
NameSinceTenure
Suman Prasad12 Apr 1112.98 Yr.
Avnish Jain1 Apr 222 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 Mar 24

Asset Allocation
Asset ClassValue
Cash67.67%
Debt32.06%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate47.33%
Cash Equivalent42.07%
Government10.33%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
5%₹30 Cr300
Power Grid Corporation Of India Limited
Debentures | -
4%₹25 Cr250
Sundaram Finance Limited
Debentures | -
4%₹25 Cr250
Hdb Financial Services Limited
Debentures | -
4%₹25 Cr250
182 DTB 09052024
Sovereign Bonds | -
4%₹25 Cr2,500,000
↑ 2,500,000
Power Finance Corporation Limited
Debentures | -
4%₹25 Cr250
National Housing Bank
Debentures | -
4%₹25 Cr250
↑ 250
Kotak Mahindra Prime Limited
Debentures | -
4%₹25 Cr250
LIC Housing Finance Ltd
Debentures | -
4%₹25 Cr250
India (Republic of)
- | -
4%₹24 Cr2,500,000
↑ 2,500,000

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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