+91-22-489139092022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು 5 ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿ (ಅಲ್ಪಾವಧಿ) ಸಾಲ ನಿಧಿಗಳು
ಸಾಮಾನ್ಯವಾಗಿ, ಜನರು ಅದನ್ನು ನಂಬುತ್ತಾರೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆದಾರರಿಗೆ. ಸರಿ, ಅದು ನಿಜವಲ್ಲ! ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳ ವರ್ಗವಿದೆಸಾಲ ನಿಧಿ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹಣವನ್ನು ಸುಲಭವಾಗಿ ಇರಿಸಿಕೊಳ್ಳುವ ಜೊತೆಗೆ ಅಲ್ಪಾವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಅವಕಾಶ ಮಾಡಿಕೊಡುತ್ತಾರೆ. ವಿವಿಧ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಲಭ್ಯವಿದ್ದರೂ ಸಹಮಾರುಕಟ್ಟೆ, ಹೂಡಿಕೆದಾರರು ಉತ್ತಮವಾದ ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳನ್ನು ನೋಡಲು ಸೂಚಿಸಲಾಗಿದೆ.
ಉತ್ತಮವಾದ ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಅಲ್ಪಾವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಅನುಮತಿಸುವ ನಿಧಿಗಳಾಗಿವೆ, ಸಾಮಾನ್ಯವಾಗಿ ಮೂರು ವರ್ಷಗಳವರೆಗೆ ಕಡಿಮೆ ಮಾರುಕಟ್ಟೆ ಅಪಾಯದೊಂದಿಗೆ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು. ಈ ನಿಧಿಗಳು ಕಡಿಮೆ-ಅಪಾಯದ ಹಸಿವನ್ನು ಹೊಂದಿರುವ ಹೆಚ್ಚು ಸೂಕ್ತವಾದ ಹೂಡಿಕೆದಾರರಾಗಿದ್ದು, ಅವರು ತ್ವರಿತ ಆದಾಯ ಮತ್ತು ಸ್ಥಿರ ಹರಿವನ್ನು ಬಯಸುತ್ತಾರೆಆದಾಯ ಬಾಂಡ್ ಮಾರುಕಟ್ಟೆಗಳಲ್ಲಿನ ದೈನಂದಿನ ಬದಲಾವಣೆಗಳಿಂದ ಪ್ರಭಾವಿತವಾಗದೆ.
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ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು FY 22 - 23
(Erstwhile HDFC Short Term Opportunities Fund) To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months. Below is the key information for HDFC Short Term Debt Fund Returns up to 1 year are on To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Short Term Fund Below is the key information for ICICI Prudential Short Term Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income
securitites of a short term maturity. Research Highlights for Nippon India Short Term Fund Below is the key information for Nippon India Short Term Fund Returns up to 1 year are on To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Axis Short Term Fund Below is the key information for Axis Short Term Fund Returns up to 1 year are on An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating. Research Highlights for Aditya Birla Sun Life Short Term Opportunities Fund Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Short Term Debt Fund Growth ₹32.7155
↑ 0.02 ₹17,999 1.4 3.4 8.2 8 8.3 6.94% 2Y 3M 7D 3Y 5M 12D ICICI Prudential Short Term Fund Growth ₹61.4794
↓ 0.00 ₹22,339 1.4 3.5 8.2 7.8 7.8 7.27% 2Y 7M 10D 4Y 10M 20D Nippon India Short Term Fund Growth ₹53.9837
↑ 0.02 ₹8,935 1.4 3.5 8.4 7.8 8 7.04% 2Y 6M 18D 3Y 2M 19D Axis Short Term Fund Growth ₹31.618
↑ 0.01 ₹12,129 1.5 3.6 8.6 7.8 8 6.89% 2Y 5M 23D 3Y 2M 12D Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹48.6029
↑ 0.02 ₹10,711 1.4 3.4 8.1 7.7 7.9 7.16% 2Y 8M 1D 3Y 6M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25 Research Highlights & Commentary of 5 Funds showcased
Commentary HDFC Short Term Debt Fund ICICI Prudential Short Term Fund Nippon India Short Term Fund Axis Short Term Fund Aditya Birla Sun Life Short Term Opportunities Fund Point 1 Upper mid AUM (₹17,999 Cr). Highest AUM (₹22,339 Cr). Bottom quartile AUM (₹8,935 Cr). Lower mid AUM (₹12,129 Cr). Bottom quartile AUM (₹10,711 Cr). Point 2 Established history (15+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Established history (15+ yrs). Established history (22+ yrs). Point 3 Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (lower mid). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 8.18% (bottom quartile). 1Y return: 8.22% (lower mid). 1Y return: 8.41% (upper mid). 1Y return: 8.55% (top quartile). 1Y return: 8.12% (bottom quartile). Point 6 1M return: 0.84% (lower mid). 1M return: 0.77% (bottom quartile). 1M return: 0.95% (top quartile). 1M return: 0.80% (bottom quartile). 1M return: 0.88% (upper mid). Point 7 Sharpe: 1.33 (lower mid). Sharpe: 1.43 (upper mid). Sharpe: 1.26 (bottom quartile). Sharpe: 1.56 (top quartile). Sharpe: 1.18 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.94% (bottom quartile). Yield to maturity (debt): 7.27% (top quartile). Yield to maturity (debt): 7.04% (lower mid). Yield to maturity (debt): 6.89% (bottom quartile). Yield to maturity (debt): 7.16% (upper mid). Point 10 Modified duration: 2.27 yrs (top quartile). Modified duration: 2.61 yrs (bottom quartile). Modified duration: 2.55 yrs (lower mid). Modified duration: 2.48 yrs (upper mid). Modified duration: 2.67 yrs (bottom quartile). HDFC Short Term Debt Fund
ICICI Prudential Short Term Fund
Nippon India Short Term Fund
Axis Short Term Fund
Aditya Birla Sun Life Short Term Opportunities Fund
ಆಸ್ತಿ >= 100 ಕೋಟಿ & ವಿಂಗಡಿಸಲಾಗಿದೆ3 ವರ್ಷಸಿಎಜಿಆರ್ ಹಿಂತಿರುಗಿ.1. HDFC Short Term Debt Fund
HDFC Short Term Debt Fund
Growth Launch Date 25 Jun 10 NAV (17 Oct 25) ₹32.7155 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹17,999 on 31 Aug 25 Category Debt - Short term Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.69 Sharpe Ratio 1.33 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 3 Years 5 Months 12 Days Modified Duration 2 Years 3 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,586 30 Sep 22 ₹10,854 30 Sep 23 ₹11,624 30 Sep 24 ₹12,591 30 Sep 25 ₹13,595 Returns for HDFC Short Term Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.4% 6 Month 3.4% 1 Year 8.2% 3 Year 8% 5 Year 6.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 7.1% 2022 3.5% 2021 3.9% 2020 11% 2019 9.7% 2018 7% 2017 6.5% 2016 9.3% 2015 8.7% Fund Manager information for HDFC Short Term Debt Fund
Name Since Tenure Anil Bamboli 25 Jun 10 15.2 Yr. Dhruv Muchhal 22 Jun 23 2.2 Yr. Data below for HDFC Short Term Debt Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 8.32% Debt 91.42% Other 0.27% Debt Sector Allocation
Sector Value Corporate 62.52% Government 30.19% Cash Equivalent 4.38% Securitized 2.64% Credit Quality
Rating Value AA 11.5% AAA 88.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -4% ₹778 Cr 75,000,000
↓ -7,500,000 Aditya Birla Renewables Limited
Debentures | -2% ₹441 Cr 43,500 7.11% Govt Stock 2028
Sovereign Bonds | -2% ₹419 Cr 41,500,000 Jubilant Beverages Limited
Debentures | -2% ₹401 Cr 38,500 7.26% Govt Stock 2032
Sovereign Bonds | -2% ₹359 Cr 34,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹331 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹256 Cr 25,000 Bajaj Housing Finance Limited
Debentures | -1% ₹255 Cr 25,000 Pipeline Infrastructure Limited
Debentures | -1% ₹251 Cr 24,500 Shivshakti Securitisation Trust^
Unlisted bonds | -1% ₹250 Cr 250
↑ 250 2. ICICI Prudential Short Term Fund
ICICI Prudential Short Term Fund
Growth Launch Date 25 Oct 01 NAV (17 Oct 25) ₹61.4794 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹22,339 on 15 Sep 25 Category Debt - Short term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.04 Sharpe Ratio 1.43 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 7.27% Effective Maturity 4 Years 10 Months 20 Days Modified Duration 2 Years 7 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,591 30 Sep 22 ₹10,971 30 Sep 23 ₹11,768 30 Sep 24 ₹12,697 30 Sep 25 ₹13,718 Returns for ICICI Prudential Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.4% 6 Month 3.5% 1 Year 8.2% 3 Year 7.8% 5 Year 6.4% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.4% 2022 4.7% 2021 3.9% 2020 10.6% 2019 9.7% 2018 5.8% 2017 5.9% 2016 11.1% 2015 8% Fund Manager information for ICICI Prudential Short Term Fund
Name Since Tenure Manish Banthia 19 Nov 09 15.79 Yr. Nikhil Kabra 29 Dec 20 4.68 Yr. Data below for ICICI Prudential Short Term Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 3.65% Debt 96.08% Other 0.27% Debt Sector Allocation
Sector Value Corporate 58.16% Government 32.77% Securitized 5.15% Cash Equivalent 3.65% Credit Quality
Rating Value AA 19.28% AAA 80.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹966 Cr 95,187,610 LIC Housing Finance Ltd
Debentures | -3% ₹759 Cr 75,000 6.99% Govt Stock 2034
Sovereign Bonds | -3% ₹710 Cr 69,574,740 Shivshakti Securitisation Trust **
Unlisted bonds | -3% ₹625 Cr 625
↑ 625 7.81% Govt Stock 2033
Sovereign Bonds | -3% ₹573 Cr 55,312,240
↓ -36,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹563 Cr 55,500 Siddhivinayak Securitisation Trust **
Unlisted bonds | -2% ₹525 Cr 525
↑ 525 Vedanta Limited
Debentures | -2% ₹510 Cr 51,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹428 Cr 41,358,430 7.11% Govt Stock 2028
Sovereign Bonds | -2% ₹364 Cr 36,000,000
↑ 36,000,000 3. Nippon India Short Term Fund
Nippon India Short Term Fund
Growth Launch Date 18 Dec 02 NAV (17 Oct 25) ₹53.9837 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹8,935 on 31 Aug 25 Category Debt - Short term Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.94 Sharpe Ratio 1.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.04% Effective Maturity 3 Years 2 Months 19 Days Modified Duration 2 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,619 30 Sep 22 ₹10,860 30 Sep 23 ₹11,583 30 Sep 24 ₹12,518 30 Sep 25 ₹13,537 Returns for Nippon India Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25 Duration Returns 1 Month 0.9% 3 Month 1.4% 6 Month 3.5% 1 Year 8.4% 3 Year 7.8% 5 Year 6.2% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 6.8% 2022 3.2% 2021 4.4% 2020 9.5% 2019 9.4% 2018 5.5% 2017 5.7% 2016 9.8% 2015 8.1% Fund Manager information for Nippon India Short Term Fund
Name Since Tenure Vivek Sharma 1 Feb 20 5.59 Yr. Kinjal Desai 25 May 18 7.28 Yr. Sushil Budhia 31 Mar 21 4.42 Yr. Data below for Nippon India Short Term Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 5.32% Debt 94.42% Other 0.26% Debt Sector Allocation
Sector Value Corporate 50.14% Government 42.42% Securitized 4.8% Cash Equivalent 2.38% Credit Quality
Rating Value AA 10.93% AAA 89.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -6% ₹500 Cr 48,000,000 7.02% Govt Stock 2031
Sovereign Bonds | -4% ₹391 Cr 38,000,000
↓ -2,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -3% ₹300 Cr 29,000,000
↓ -1,000,000 07.17 KA Sdl 2030
Sovereign Bonds | -3% ₹253 Cr 25,000,000
↑ 25,000,000 07.93 Up SDL 2030
Sovereign Bonds | -3% ₹234 Cr 22,500,000
↑ 12,500,000 Shivshakti Securitisation Trust**
Unlisted bonds | -3% ₹225 Cr 225
↑ 225 7.17 Madhya Pradesh SDL 2031
Sovereign Bonds | -2% ₹206 Cr 20,500,000 Aditya Birla Housing Finance Limited
Debentures | -2% ₹203 Cr 20,000 Siddhivinayak Securitisation Trust**
Unlisted bonds | -2% ₹200 Cr 200
↑ 200 National Bank For Agriculture And Rural Development
Debentures | -2% ₹173 Cr 17,000
↓ -5,000 4. Axis Short Term Fund
Axis Short Term Fund
Growth Launch Date 22 Jan 10 NAV (17 Oct 25) ₹31.618 ↑ 0.01 (0.04 %) Net Assets (Cr) ₹12,129 on 31 Aug 25 Category Debt - Short term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.88 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 3 Years 2 Months 12 Days Modified Duration 2 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,514 30 Sep 22 ₹10,803 30 Sep 23 ₹11,515 30 Sep 24 ₹12,437 30 Sep 25 ₹13,473 Returns for Axis Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.5% 6 Month 3.6% 1 Year 8.6% 3 Year 7.8% 5 Year 6.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 6.8% 2022 3.7% 2021 3.5% 2020 10.1% 2019 9.8% 2018 6.3% 2017 5.9% 2016 9.6% 2015 8.1% Fund Manager information for Axis Short Term Fund
Name Since Tenure Devang Shah 5 Nov 12 12.83 Yr. Aditya Pagaria 3 Jul 23 2.17 Yr. Data below for Axis Short Term Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 8.21% Debt 91.54% Other 0.25% Debt Sector Allocation
Sector Value Corporate 62.94% Government 27.48% Cash Equivalent 6.84% Securitized 2.48% Credit Quality
Rating Value AA 12.8% AAA 87.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹427 Cr 42,126,700
↓ -32,000,000 7.54% Bihar State Development Loans (03/09/2033)
Sovereign Bonds | -3% ₹354 Cr 35,000,000
↑ 35,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹319 Cr 31,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹254 Cr 25,000
↑ 18,500 Power Finance Corporation Limited
Debentures | -2% ₹248 Cr 25,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹233 Cr 23,000
↑ 5,000 Indigrid Infrastructure Trust
Debentures | -2% ₹193 Cr 19,000 Tata Capital Limited
Debentures | -1% ₹177 Cr 1,750 Tata Capital Housing Finance Limited
Debentures | -1% ₹150 Cr 15,000 Kotak Mahindra Prime Limited
Debentures | -1% ₹150 Cr 15,000
↑ 15,000 5. Aditya Birla Sun Life Short Term Opportunities Fund
Aditya Birla Sun Life Short Term Opportunities Fund
Growth Launch Date 9 May 03 NAV (17 Oct 25) ₹48.6029 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹10,711 on 31 Aug 25 Category Debt - Short term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1 Sharpe Ratio 1.18 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.16% Effective Maturity 3 Years 6 Months 4 Days Modified Duration 2 Years 8 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,575 30 Sep 22 ₹10,923 30 Sep 23 ₹11,649 30 Sep 24 ₹12,581 30 Sep 25 ₹13,563 Returns for Aditya Birla Sun Life Short Term Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25 Duration Returns 1 Month 0.9% 3 Month 1.4% 6 Month 3.4% 1 Year 8.1% 3 Year 7.7% 5 Year 6.2% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 6.9% 2022 4.2% 2021 3.8% 2020 11.1% 2019 8.5% 2018 6.5% 2017 5.6% 2016 11.3% 2015 8.4% Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund
Name Since Tenure Kaustubh Gupta 11 Sep 14 10.98 Yr. Mohit Sharma 6 Aug 20 5.07 Yr. Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 5.65% Debt 94.08% Other 0.27% Debt Sector Allocation
Sector Value Corporate 53.43% Government 38.2% Cash Equivalent 4.97% Securitized 3.14% Credit Quality
Rating Value AA 15.15% AAA 84.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity Rec Limited
Debentures | -4% ₹456 Cr 45,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹432 Cr 42,500 Indian Railway Finance Corporation Limited
Debentures | -4% ₹421 Cr 42,500 Tata Capital Housing Finance Limited
Debentures | -3% ₹349 Cr 35,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹315 Cr 31,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹306 Cr 29,500,000 Siddhivinayak Securitisation Trust 2025-1 (28/09/2030) **
Unlisted bonds | -3% ₹280 Cr 280
↑ 280 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹278 Cr 26,906,400
↑ 2,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹274 Cr 27,000,000
↑ 10,000,000 Power Finance Corporation Limited
Debentures | -3% ₹272 Cr 27,500
ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?
ಈ ಹೂಡಿಕೆಗಳ ಅಲ್ಪಾವಧಿಯ ಸ್ವರೂಪವನ್ನು ಗಮನಿಸಿದರೆ, ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡುವುದಿಲ್ಲಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು. ಆದಾಗ್ಯೂ, ಖಚಿತವಾಗಿ ಹಲವಾರು ಕಾರಣಗಳಿವೆಹೂಡಿಕೆ ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯಲ್ಲಿ (ಅಲ್ಪಾವಧಿ) ಸಾಲ ನಿಧಿಗಳು ಪರಿಗಣಿಸಲು ಸಂಪೂರ್ಣವಾಗಿ ಯೋಗ್ಯವಾಗಿದೆ. ಅವುಗಳಲ್ಲಿ ಕೆಲವು ಸೇರಿವೆ-
ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ತವಾದ ಆಯ್ಕೆಯಾಗಿದ್ದು, ದ್ರವ ಮತ್ತು ಅಲ್ಟ್ರಾಗಿಂತ ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನ ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿರುವ ಹೂಡಿಕೆಗಳನ್ನು ಮಾಡಲು ಸಿದ್ಧರಿರುತ್ತಾರೆಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಆದರೆ ಅದೇ ಕಡೆ ಬಹಳ ಅಪಾಯಕಾರಿ ಅಲ್ಲ.
ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆಯಾಗಿರುವುದರಿಂದ, 1-3 ವರ್ಷಗಳ ಕಾಲ ತಮ್ಮ ಐಡಲ್ ಕ್ಯಾಶ್ ಅನ್ನು ಇಡಲು ಬಯಸುವವರಿಗೆ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಈ ನಿಧಿಯು ಹೆಚ್ಚು ಸೂಕ್ತವಾಗಿದೆ.ಸ್ಥಿರ ಆದಾಯ FD ಗಳಂತಹ ಹೂಡಿಕೆ ಆಯ್ಕೆಗಳು.
ವಿಶ್ಲೇಷಣೆಯ ಪ್ರಕಾರ, ಅಲ್ಪಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ದೀರ್ಘಾವಧಿಗೆ ಹೋಲಿಸಿದರೆ ಒಳಗೊಂಡಿರುವ ಅಪಾಯಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಉತ್ತಮ ದರವನ್ನು ನೀಡುತ್ತವೆಬಾಂಡ್ಗಳು. ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಏರಿಕೆಗೆ ಕಡಿಮೆ ಸಂವೇದನಾಶೀಲವಾಗಿರುತ್ತವೆಹಣದುಬ್ಬರ ಇತರ ಮಧ್ಯಂತರಕ್ಕಿಂತ ಮತ್ತುದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು.
ಕೊನೆಯದಾಗಿ, ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೆಚ್ಚು ದ್ರವವಾಗಿರುತ್ತವೆ, ಅಂದರೆ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹಣವನ್ನು ಸುಲಭವಾಗಿ ಪ್ರವೇಶಿಸಬಹುದು. ಆದಾಗ್ಯೂ, ಈ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ಕೆಲವು ಯೋಜನೆಗಳು ಹೂಡಿಕೆಯನ್ನು ಬಹಳ ಕಡಿಮೆ ಅವಧಿಯಲ್ಲಿ (ಹೆಚ್ಚಾಗಿ 1 ತಿಂಗಳಿಂದ 6 ತಿಂಗಳವರೆಗೆ) ರಿಡೀಮ್ ಮಾಡಿದರೆ ನಿರ್ಗಮನ ಲೋಡ್ ಅನ್ನು ವಿಧಿಸುತ್ತವೆ. ಆದ್ದರಿಂದ, ಯಾವಾಗಲೂ ಉತ್ತಮ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಬುದ್ಧಿವಂತಿಕೆಯಿಂದ ಹೂಡಿಕೆ ಮಾಡಲು ಸೂಚಿಸಲಾಗುತ್ತದೆ.
ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
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ತೀರ್ಮಾನ
ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊಗಳನ್ನು ಅವರ ಪ್ರಕಾರ ತಿರುಚಬಹುದುಅಪಾಯದ ಪ್ರೊಫೈಲ್. ಬಾಂಡ್ ಮಾರುಕಟ್ಟೆಯು ಬೀಳುವ ಬಡ್ಡಿದರಗಳ ಪ್ರಯೋಜನವನ್ನು ನೀಡುವುದರಿಂದ, ಹೂಡಿಕೆಯ ಅವಧಿಯನ್ನು ಹೆಚ್ಚಿಸುವ ಮೂಲಕ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಬಹುದು. ಇಲ್ಲಿ ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಬರುತ್ತವೆ. ಈ ನಿಧಿಗಳು 2-3 ವರ್ಷಗಳ ಅವಧಿಯಲ್ಲಿ ದೀರ್ಘಾವಧಿಯ ಆದಾಯವನ್ನು ನೀಡಲು ಸಾಲ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಆದ್ದರಿಂದ, ಇಂದು ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ!
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.
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