9 ಅತ್ಯುತ್ತಮ ಪ್ರದರ್ಶನ ಕಡಿಮೆ ಅವಧಿಯ ನಿಧಿಗಳು 2022

Updated on April 14, 2026 , 14618 views

ಕಡಿಮೆ ಅವಧಿಯ ನಿಧಿಗಳು ಸಾಲದ 16 ಯೋಜನೆಗಳಲ್ಲಿ ಒಂದಕ್ಕೆ ಸೇರಿವೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ವರ್ಗ ಈ ನಿಧಿಯು ಸಾಲದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆ ಮತ್ತುಹಣದ ಮಾರುಕಟ್ಟೆ ಆರರಿಂದ 12 ತಿಂಗಳ ನಡುವಿನ ಮುಕ್ತಾಯ ಅವಧಿಯೊಂದಿಗೆ ಭದ್ರತೆಗಳು.

ಕಡಿಮೆ ಅವಧಿಯ ಫಂಡ್‌ಗಳನ್ನು ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆಗಳೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ, ಅದು ಹೂಡಿಕೆದಾರರಿಗೆ ತಮ್ಮ ಹೂಡಿಕೆಯಲ್ಲಿ ಹೆಚ್ಚು ಅಪಾಯವನ್ನು ಬಯಸುವುದಿಲ್ಲ. ಕಡಿಮೆ ಅವಧಿಯ ಫಂಡ್‌ಗಳು ಲಿಕ್ವಿಡ್ ಮತ್ತು ಅಲ್ಟ್ರಾಗಿಂತ ಹೆಚ್ಚಿನ ಮೆಚುರಿಟಿ ಅವಧಿಯನ್ನು ಹೊಂದಿರುತ್ತವೆಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು.

ಅಪಾಯ-ವಿರೋಧಿ ಹೂಡಿಕೆದಾರರು ಈ ಯೋಜನೆಯಲ್ಲಿ ಅಲ್ಪಾವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಮತ್ತು ಅದಕ್ಕಿಂತ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಬಹುದುಬ್ಯಾಂಕ್ ಉಳಿತಾಯ ಖಾತೆ. ಈ ನಿಧಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಸ್ಥಿರ ಮತ್ತು ಸ್ಥಿರ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ಸರಾಸರಿಯಾಗಿ, ಈ ನಿಧಿಗಳು 6.5-8.5% p.a ವರೆಗಿನ ಆದಾಯವನ್ನು ತಲುಪಿಸುತ್ತವೆ. ರಿಟರ್ನ್ ಮತ್ತು ಸ್ಕೀಮ್‌ನ ಕಾರ್ಯಕ್ಷಮತೆಯು ನಿಧಿಯಿಂದ ನಿಧಿಗೆ ಬದಲಾಗುತ್ತದೆ, ಹೀಗಾಗಿ ಉತ್ತಮ ನಿಧಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು, 2022 - 2023 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ನಾವು ಕೆಲವು ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಕಡಿಮೆ ಅವಧಿಯ ಫಂಡ್‌ಗಳನ್ನು ಶಾರ್ಟ್‌ಲಿಸ್ಟ್ ಮಾಡಿದ್ದೇವೆ.

ಅವಧಿ ಆಧಾರಿತ ತಂತ್ರ ಎಂದರೇನು?

ತಾತ್ತ್ವಿಕವಾಗಿ, ಅವಧಿ ಆಧಾರಿತ ತಂತ್ರವನ್ನು ಅನುಸರಿಸುವ ನಿಧಿಗಳು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಬಾಂಡ್ಗಳು ಮತ್ತು ಬಡ್ಡಿದರಗಳ ಕುಸಿತದಿಂದ ಲಾಭ. ಅವರು ಗಳಿಸುತ್ತಾರೆಬಂಡವಾಳ ಬಾಂಡ್‌ನ ಕೂಪನ್ ಜೊತೆಗೆ ಮೆಚ್ಚುಗೆ. ಆದರೆ, ಈ ನಿಧಿಗಳು ಬಡ್ಡಿದರದ ಅಪಾಯಕ್ಕೆ ಒಡ್ಡಿಕೊಳ್ಳುತ್ತವೆ ಮತ್ತು ಬಡ್ಡಿದರಗಳು ಹೆಚ್ಚಾದರೆ ಈ ನಿಧಿಗಳು ಬಂಡವಾಳ ನಷ್ಟವನ್ನು ಹೊಂದಬಹುದು.

ಈ ತಂತ್ರದಲ್ಲಿ, ಫಂಡ್ ಮ್ಯಾನೇಜರ್ ಬಡ್ಡಿದರದ ಚಲನೆಯನ್ನು ಊಹಿಸುತ್ತಾರೆ. ಅವಧಿ ನಿಧಿ ವ್ಯವಸ್ಥಾಪಕರು ತಮ್ಮ ದೃಷ್ಟಿಕೋನಕ್ಕೆ ಅನುಗುಣವಾಗಿ ನಿಧಿಯ ಅವಧಿ ಮತ್ತು ಸರಾಸರಿ ಮುಕ್ತಾಯವನ್ನು ಆಗಾಗ್ಗೆ ಹೆಚ್ಚಿಸುತ್ತಾರೆ ಅಥವಾ ಕಡಿಮೆ ಮಾಡುತ್ತಾರೆ. ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ನ ತಪ್ಪು ಮುನ್ಸೂಚನೆಗಳು ಅವಧಿಯನ್ನು ಆಧರಿಸಿರಬಹುದುಸಾಲ ನಿಧಿ ನಷ್ಟ ಅನುಭವಿಸುತ್ತಾರೆ.

ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳು ಆದಾಯವನ್ನು ಗರಿಷ್ಠಗೊಳಿಸಲು ಅವಧಿಯನ್ನು ನಿರ್ವಹಿಸುವುದರ ಮೇಲೆ ಹೆಚ್ಚು ಗಮನಹರಿಸುತ್ತಾರೆ. ಸಾಮಾನ್ಯವಾಗಿ, ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗುತ್ತಿರುವಾಗ, ಅವಧಿ ನಿಧಿ ವ್ಯವಸ್ಥಾಪಕರು ತುಲನಾತ್ಮಕವಾಗಿ ಹೆಚ್ಚಿನ ಅವಧಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡುತ್ತಾರೆ, ಆದ್ದರಿಂದ ಗರಿಷ್ಠಗೊಳಿಸಲುಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ ಏರುತ್ತಿರುವ ಬಾಂಡ್ ಬೆಲೆಗಳಿಂದ. ಮತ್ತು ಪ್ರತಿಯಾಗಿ ಪರಿಸ್ಥಿತಿಯಲ್ಲಿ, ಅಂದರೆ, ಬಡ್ಡಿದರಗಳು ಹೆಚ್ಚುತ್ತಿರುವಾಗ, ಬಂಡವಾಳದ ಮೇಲೆ ಬಂಡವಾಳ ನಷ್ಟದಿಂದ ರಕ್ಷಿಸಲು ನಿಧಿಯ ಅವಧಿಯನ್ನು ಕಡಿಮೆಗೊಳಿಸಲಾಗುತ್ತದೆ.

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9 ಅತ್ಯುತ್ತಮ ಕಡಿಮೆ ಅವಧಿಯ ನಿಧಿಗಳು FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
ICICI Prudential Savings Fund Growth	₹571.845 ↑ 0.21	₹26,949	1.6	3	6.7	7.6	7.7	7.21%	11M 1D	1Y 4M 2D
UTI Treasury Advantage Fund Growth	₹3,725.53 ↑ 1.25	₹2,990	1.6	2.8	6.5	7.3	7.5	6.85%	9M 7D	11M 8D
Canara Robeco Savings Fund Growth	₹44.1923 ↑ 0.02	₹1,372	1.7	2.8	6.3	7.1	7.2	6.94%	10M 22D	1Y 4M 18D
PGIM India Low Duration Fund Growth	₹26.0337 ↑ 0.01	₹104	1.5	3.3	6.3	4.5		7.34%	6M 11D	7M 17D
Invesco India Treasury Advantage Fund Growth	₹3,964.03 ↑ 1.39	₹2,065	1.6	2.7	6.3	7.1	7.2	6.63%	9M 6D	9M 27D
Tata Treasury Advantage Fund Growth	₹4,118.41 ↑ 1.40	₹2,572	1.6	2.8	6.2	7	7.2	6.85%	10M 24D	1Y 1M 4D
Nippon India Low Duration Fund Growth	₹3,919.8 ↑ 1.16	₹10,969	1.5	2.6	6.2	7	7.2	6.93%	10M 1D	1Y 1M 7D
Bandhan Low Duration Fund Growth	₹40.3979 ↑ 0.01	₹5,926	1.6	2.7	6.2	7	7.2	6.72%	9M 17D	12M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 9 Funds showcased

Commentary	Sundaram Low Duration Fund	ICICI Prudential Savings Fund	UTI Treasury Advantage Fund	Canara Robeco Savings Fund	PGIM India Low Duration Fund	Invesco India Treasury Advantage Fund	Tata Treasury Advantage Fund	Nippon India Low Duration Fund	Bandhan Low Duration Fund
Point 1	Bottom quartile AUM (₹550 Cr).	Highest AUM (₹26,949 Cr).	Upper mid AUM (₹2,990 Cr).	Bottom quartile AUM (₹1,372 Cr).	Bottom quartile AUM (₹104 Cr).	Lower mid AUM (₹2,065 Cr).	Lower mid AUM (₹2,572 Cr).	Top quartile AUM (₹10,969 Cr).	Upper mid AUM (₹5,926 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (23 yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 11.79% (top quartile).	1Y return: 6.69% (top quartile).	1Y return: 6.51% (upper mid).	1Y return: 6.34% (upper mid).	1Y return: 6.30% (lower mid).	1Y return: 6.26% (lower mid).	1Y return: 6.21% (bottom quartile).	1Y return: 6.19% (bottom quartile).	1Y return: 6.16% (bottom quartile).
Point 6	1M return: 0.28% (bottom quartile).	1M return: 0.67% (lower mid).	1M return: 0.71% (upper mid).	1M return: 0.76% (top quartile).	1M return: 0.47% (bottom quartile).	1M return: 0.75% (upper mid).	1M return: 0.67% (lower mid).	1M return: 0.64% (bottom quartile).	1M return: 0.77% (top quartile).
Point 7	Sharpe: 0.99 (bottom quartile).	Sharpe: 2.48 (top quartile).	Sharpe: 2.06 (top quartile).	Sharpe: 1.55 (lower mid).	Sharpe: -1.66 (bottom quartile).	Sharpe: 1.62 (upper mid).	Sharpe: 1.48 (lower mid).	Sharpe: 1.59 (upper mid).	Sharpe: 1.34 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 7.21% (top quartile).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 6.94% (upper mid).	Yield to maturity (debt): 7.34% (top quartile).	Yield to maturity (debt): 6.63% (bottom quartile).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 6.93% (upper mid).	Yield to maturity (debt): 6.72% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (top quartile).	Modified duration: 0.92 yrs (bottom quartile).	Modified duration: 0.77 yrs (upper mid).	Modified duration: 0.89 yrs (bottom quartile).	Modified duration: 0.53 yrs (top quartile).	Modified duration: 0.77 yrs (upper mid).	Modified duration: 0.90 yrs (bottom quartile).	Modified duration: 0.84 yrs (lower mid).	Modified duration: 0.80 yrs (lower mid).

Sundaram Low Duration Fund

Bottom quartile AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (top quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

ICICI Prudential Savings Fund

Highest AUM (₹26,949 Cr).
Oldest track record among peers (23 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.69% (top quartile).
1M return: 0.67% (lower mid).
Sharpe: 2.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 0.92 yrs (bottom quartile).

UTI Treasury Advantage Fund

Upper mid AUM (₹2,990 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.51% (upper mid).
1M return: 0.71% (upper mid).
Sharpe: 2.06 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.77 yrs (upper mid).

Canara Robeco Savings Fund

Bottom quartile AUM (₹1,372 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.34% (upper mid).
1M return: 0.76% (top quartile).
Sharpe: 1.55 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.94% (upper mid).
Modified duration: 0.89 yrs (bottom quartile).

PGIM India Low Duration Fund

Bottom quartile AUM (₹104 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.30% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: -1.66 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.34% (top quartile).
Modified duration: 0.53 yrs (top quartile).

Invesco India Treasury Advantage Fund

Lower mid AUM (₹2,065 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.26% (lower mid).
1M return: 0.75% (upper mid).
Sharpe: 1.62 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.63% (bottom quartile).
Modified duration: 0.77 yrs (upper mid).

Tata Treasury Advantage Fund

Lower mid AUM (₹2,572 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.21% (bottom quartile).
1M return: 0.67% (lower mid).
Sharpe: 1.48 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.90 yrs (bottom quartile).

Nippon India Low Duration Fund

Top quartile AUM (₹10,969 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.19% (bottom quartile).
1M return: 0.64% (bottom quartile).
Sharpe: 1.59 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (upper mid).
Modified duration: 0.84 yrs (lower mid).

Bandhan Low Duration Fund

Upper mid AUM (₹5,926 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.16% (bottom quartile).
1M return: 0.77% (top quartile).
Sharpe: 1.34 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.72% (bottom quartile).
Modified duration: 0.80 yrs (lower mid).

*ಈ ಲೇಖನದಲ್ಲಿ ಉಲ್ಲೇಖಿಸಲಾದ ಫಂಡ್‌ಗಳು ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ AUM/Net ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿವೆ100 ಕೋಟಿ ಮತ್ತು ಹೊಂದಿರುವನಿಧಿಯ ವಯಸ್ಸು >= 3 ವರ್ಷಗಳು. ಕೊನೆಯದಾಗಿ ವಿಂಗಡಿಸಲಾಗಿದೆ1 ವರ್ಷದ ರಿಟರ್ನ್.

1. Sundaram Low Duration Fund

(Erstwhile Sundaram Ultra Short Term Fund)

To provide a level of income consistent with liquidity through investments made primarily in money market and debt securities.

Research Highlights for Sundaram Low Duration Fund

Bottom quartile AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (top quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.67 yrs (top quartile).
Exit load: NIL.

Below is the key information for Sundaram Low Duration Fund

Sundaram Low Duration Fund Growth
Launch Date	23 Apr 07
NAV (31 Dec 21)	₹28.8391 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹550 on 30 Nov 21
Category	Debt - Low Duration
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.86
Sharpe Ratio	0.99
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	4.19%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value

Sundaram Low Duration Fund SIP Returns

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

Returns for Sundaram Low 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 31 Dec 21

Duration	Returns
1 Month	0.3%
3 Month	1%
6 Month	10.2%
1 Year	11.8%
3 Year	5%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Sundaram Low Duration Fund

Name	Since	Tenure

Data below for Sundaram Low Duration Fund as on 30 Nov 21

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Savings Fund

Highest AUM (₹26,949 Cr).
Oldest track record among peers (23 yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.69% (top quartile).
1M return: 0.67% (lower mid).
Sharpe: 2.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 0.92 yrs (bottom quartile).
Average maturity: 1.34 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (16 Apr 26)	₹571.845 ↑ 0.21 (0.04 %)
Net Assets (Cr)	₹26,949 on 15 Mar 26
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	2.48
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	1 Year 4 Months 2 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value

ICICI Prudential Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential 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 31 Dec 21

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3%
1 Year	6.7%
3 Year	7.6%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure

Data below for ICICI Prudential Savings Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

Upper mid AUM (₹2,990 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.51% (upper mid).
1M return: 0.71% (upper mid).
Sharpe: 2.06 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.77 yrs (upper mid).
Average maturity: 0.94 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (16 Apr 26)	₹3,725.53 ↑ 1.25 (0.03 %)
Net Assets (Cr)	₹2,990 on 28 Feb 26
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	11 Months 8 Days
Modified Duration	9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	2.8%
1 Year	6.5%
3 Year	7.3%
5 Year	7.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure

Data below for UTI Treasury Advantage Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Canara Robeco Savings Fund

(Erstwhile Canara Robeco Savings Plus Fund)

To generate income/ Capital appreciation by investing in a portfolio comprising of short term debt instruments and money market instruments with weighted average portfolio duration between 3 months to less than 1 year. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Savings Fund

Bottom quartile AUM (₹1,372 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.34% (upper mid).
1M return: 0.76% (top quartile).
Sharpe: 1.55 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.94% (upper mid).
Modified duration: 0.89 yrs (bottom quartile).
Average maturity: 1.38 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Canara Robeco Savings Fund

Canara Robeco Savings Fund Growth
Launch Date	4 Mar 05
NAV (16 Apr 26)	₹44.1923 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹1,372 on 28 Feb 26
Category	Debt - Low Duration
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	1 Year 4 Months 18 Days
Modified Duration	10 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value

Canara Robeco Savings Fund SIP Returns

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

Returns for Canara Robeco 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 31 Dec 21

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	2.8%
1 Year	6.3%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	7%
2021	4.1%
2020	3.1%
2019	6.4%
2018	8.1%
2017	6.9%
2016	6.8%
2015	8.4%

Fund Manager information for Canara Robeco Savings Fund

Name	Since	Tenure

Data below for Canara Robeco Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. PGIM India Low Duration Fund

The objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. There is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for PGIM India Low Duration Fund

Bottom quartile AUM (₹104 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.30% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: -1.66 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.34% (top quartile).
Modified duration: 0.53 yrs (top quartile).
Average maturity: 0.63 yrs (top quartile).
Exit load: NIL.

Below is the key information for PGIM India Low Duration Fund

PGIM India Low Duration Fund Growth
Launch Date	22 Jun 07
NAV (29 Sep 23)	₹26.0337 ↑ 0.01 (0.06 %)
Net Assets (Cr)	₹104 on 31 Aug 23
Category	Debt - Low Duration
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆☆☆☆
Risk	Moderate
Expense Ratio	1.18
Sharpe Ratio	-1.66
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	7 Months 17 Days
Modified Duration	6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value

PGIM India Low Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹185,607.
Net Profit of ₹5,607 Invest Now

Returns for PGIM India Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	6.3%
3 Year	4.5%
5 Year	1.3%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for PGIM India Low Duration Fund

Name	Since	Tenure

Data below for PGIM India Low Duration Fund as on 31 Aug 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. Invesco India Treasury Advantage Fund

(Erstwhile Invesco India Ultra Short Term Fund)

The investment objective is to provide liquidity and optimal returns to the investor by investing primarily in a mix of short term debt and money market instruments which results in a portfolio having marginally higher maturity and moderately higher credit risk as compared to a liquid fund at the same time maintaining a balance between safety and liquidity.

Research Highlights for Invesco India Treasury Advantage Fund

Lower mid AUM (₹2,065 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.26% (lower mid).
1M return: 0.75% (upper mid).
Sharpe: 1.62 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.63% (bottom quartile).
Modified duration: 0.77 yrs (upper mid).
Average maturity: 0.82 yrs (upper mid).
Exit load: NIL.

Below is the key information for Invesco India Treasury Advantage Fund

Invesco India Treasury Advantage Fund Growth
Launch Date	18 Jan 07
NAV (16 Apr 26)	₹3,964.03 ↑ 1.39 (0.03 %)
Net Assets (Cr)	₹2,065 on 28 Feb 26
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	9 Months 27 Days
Modified Duration	9 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value

Invesco India Treasury Advantage Fund SIP Returns

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

Returns for Invesco India Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	2.7%
1 Year	6.3%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.6%
2022	6.8%
2021	4%
2020	3.5%
2019	7.1%
2018	8.9%
2017	7.1%
2016	6.3%
2015	8.5%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure

Data below for Invesco India Treasury Advantage Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Tata Treasury Advantage Fund

Lower mid AUM (₹2,572 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.21% (bottom quartile).
1M return: 0.67% (lower mid).
Sharpe: 1.48 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 0.90 yrs (bottom quartile).
Average maturity: 1.10 yrs (lower mid).
Exit load: NIL.

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (16 Apr 26)	₹4,118.41 ↑ 1.40 (0.03 %)
Net Assets (Cr)	₹2,572 on 15 Mar 26
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	1 Year 1 Month 4 Days
Modified Duration	10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value

Tata Treasury Advantage Fund SIP Returns

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

Returns for Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	2.8%
1 Year	6.2%
3 Year	7%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	6.9%
2021	4.1%
2020	3.6%
2019	7.5%
2018	2.2%
2017	7.5%
2016	6.9%
2015	8.5%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure

Data below for Tata Treasury Advantage Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.

Research Highlights for Nippon India Low Duration Fund

Top quartile AUM (₹10,969 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.19% (bottom quartile).
1M return: 0.64% (bottom quartile).
Sharpe: 1.59 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.93% (upper mid).
Modified duration: 0.84 yrs (lower mid).
Average maturity: 1.10 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund Growth
Launch Date	20 Mar 07
NAV (16 Apr 26)	₹3,919.8 ↑ 1.16 (0.03 %)
Net Assets (Cr)	₹10,969 on 28 Feb 26
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.59
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	1 Year 1 Month 7 Days
Modified Duration	10 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value

Nippon India Low Duration Fund SIP Returns

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

Returns for Nippon India Low 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	2.6%
1 Year	6.2%
3 Year	7%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.4%
2022	6.7%
2021	4.2%
2020	4.1%
2019	7.3%
2018	7%
2017	7.4%
2016	6.6%
2015	8.5%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure

Data below for Nippon India Low Duration Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

9. Bandhan Low Duration Fund

(Erstwhile IDFC Ultra Short Term Fund)

To offer an investment avenue for short term savings by looking to generate stable returns with a low risk strategy. The scheme will have a portfolio that is invested in good quality debt and money market instruments such that the fund will offer a blend of liquidity with stability of returns. There can be no assurance that the investment objective of the scheme will be realized

Research Highlights for Bandhan Low Duration Fund

Upper mid AUM (₹5,926 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.16% (bottom quartile).
1M return: 0.77% (top quartile).
Sharpe: 1.34 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.72% (bottom quartile).
Modified duration: 0.80 yrs (lower mid).
Average maturity: 1.00 yrs (lower mid).
Exit load: NIL.

Below is the key information for Bandhan Low Duration Fund

Bandhan Low Duration Fund Growth
Launch Date	17 Jan 06
NAV (16 Apr 26)	₹40.3979 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹5,926 on 28 Feb 26
Category	Debt - Low Duration
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
Sharpe Ratio	1.34
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.72%
Effective Maturity	12 Months
Modified Duration	9 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value

Bandhan Low Duration Fund SIP Returns

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

Returns for Bandhan Low 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 31 Dec 21

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	2.7%
1 Year	6.2%
3 Year	7%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	7.3%
2022	6.9%
2021	4%
2020	3.5%
2019	6.9%
2018	8.3%
2017	7.2%
2016	7%
2015	8.8%

Fund Manager information for Bandhan Low Duration Fund

Name	Since	Tenure

Data below for Bandhan Low Duration Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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