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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
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. Below is the key information for ICICI Prudential Short Term Fund Returns up to 1 year are on (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. Research Highlights for HDFC Short Term Debt Fund Below is the key information for HDFC Short Term Debt 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 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 (Erstwhile IDFC Super Saver Income Fund - Short Term Plan) The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized. Research Highlights for Bandhan Bond Fund Short Term Plan Below is the key information for Bandhan Bond Fund Short Term Plan 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 ICICI Prudential Short Term Fund Growth ₹62.9577
↑ 0.01 ₹21,510 1.5 2.4 5.9 7.5 8 7.41% 2Y 8M 23D 4Y 6M 11D HDFC Short Term Debt Fund Growth ₹33.4099
↑ 0.00 ₹17,271 1.4 2.1 5.6 7.4 7.8 7.25% 2Y 4M 2D 3Y 5M 8D Axis Short Term Fund Growth ₹32.3035
↑ 0.00 ₹11,860 1.4 2.2 5.9 7.3 8.1 7.22% 2Y 2M 1D 2Y 9M 7D Nippon India Short Term Fund Growth ₹55.0187
↓ 0.00 ₹8,367 1.3 1.9 5.5 7.2 7.9 7.28% 2Y 5M 23D 3Y Bandhan Bond Fund Short Term Plan Growth ₹59.6311
↑ 0.00 ₹10,283 1.6 2.4 5.6 7.2 7.5 6.83% 1Y 2M 1D 1Y 6M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential Short Term Fund HDFC Short Term Debt Fund Axis Short Term Fund Nippon India Short Term Fund Bandhan Bond Fund Short Term Plan Point 1 Highest AUM (₹21,510 Cr). Upper mid AUM (₹17,271 Cr). Lower mid AUM (₹11,860 Cr). Bottom quartile AUM (₹8,367 Cr). Bottom quartile AUM (₹10,283 Cr). Point 2 Established history (24+ yrs). Established history (15+ yrs). Established history (16+ yrs). Established history (23+ yrs). Oldest track record among peers (25 yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 5.95% (top quartile). 1Y return: 5.64% (lower mid). 1Y return: 5.85% (upper mid). 1Y return: 5.51% (bottom quartile). 1Y return: 5.56% (bottom quartile). Point 6 1M return: 0.61% (upper mid). 1M return: 0.46% (bottom quartile). 1M return: 0.57% (lower mid). 1M return: 0.36% (bottom quartile). 1M return: 0.82% (top quartile). Point 7 Sharpe: 1.37 (top quartile). Sharpe: 1.08 (lower mid). Sharpe: 1.22 (upper mid). Sharpe: 1.03 (bottom quartile). Sharpe: 0.72 (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): 7.41% (top quartile). Yield to maturity (debt): 7.25% (lower mid). Yield to maturity (debt): 7.22% (bottom quartile). Yield to maturity (debt): 7.28% (upper mid). Yield to maturity (debt): 6.83% (bottom quartile). Point 10 Modified duration: 2.73 yrs (bottom quartile). Modified duration: 2.34 yrs (lower mid). Modified duration: 2.17 yrs (upper mid). Modified duration: 2.48 yrs (bottom quartile). Modified duration: 1.17 yrs (top quartile). ICICI Prudential Short Term Fund
HDFC Short Term Debt Fund
Axis Short Term Fund
Nippon India Short Term Fund
Bandhan Bond Fund Short Term Plan
ಆಸ್ತಿ >= 100 ಕೋಟಿ & ವಿಂಗಡಿಸಲಾಗಿದೆ3 ವರ್ಷಸಿಎಜಿಆರ್ ಹಿಂತಿರುಗಿ.1. ICICI Prudential Short Term Fund
ICICI Prudential Short Term Fund
Growth Launch Date 25 Oct 01 NAV (17 Apr 26) ₹62.9577 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹21,510 on 15 Mar 26 Category Debt - Short term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.04 Sharpe Ratio 1.37 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 7.41% Effective Maturity 4 Years 6 Months 11 Days Modified Duration 2 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,420 31 Mar 23 ₹11,017 31 Mar 24 ₹11,869 31 Mar 25 ₹12,827 31 Mar 26 ₹13,624 Returns for ICICI Prudential Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 2.4% 1 Year 5.9% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 7.8% 2022 7.4% 2021 4.7% 2020 3.9% 2019 10.6% 2018 9.7% 2017 5.8% 2016 5.9% 2015 11.1% Fund Manager information for ICICI Prudential Short Term Fund
Name Since Tenure Manish Banthia 19 Nov 09 16.38 Yr. Nikhil Kabra 29 Dec 20 5.26 Yr. Data below for ICICI Prudential Short Term Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 16.27% Debt 83.43% Other 0.3% Debt Sector Allocation
Sector Value Corporate 69.38% Government 20.75% Cash Equivalent 9.56% Credit Quality
Rating Value AA 18.76% AAA 81.24% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹895 Cr 89,500 LIC Housing Finance Ltd
Debentures | -4% ₹748 Cr 75,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹590 Cr 600 Vedanta Limited
Debentures | -3% ₹588 Cr 58,500 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹517 Cr 525 Small Industries Development Bank Of India
Debentures | -2% ₹441 Cr 44,700 Summit Digitel Infrastructure Limited
Debentures | -1% ₹284 Cr 28,300 Muthoot Finance Limited
Debentures | -1% ₹281 Cr 28,000 Small Industries Development Bank Of India
Debentures | -1% ₹260 Cr 26,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹260 Cr 26,000
↑ 5,000 2. HDFC Short Term Debt Fund
HDFC Short Term Debt Fund
Growth Launch Date 25 Jun 10 NAV (17 Apr 26) ₹33.4099 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹17,271 on 28 Feb 26 Category Debt - Short term Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.69 Sharpe Ratio 1.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.25% Effective Maturity 3 Years 5 Months 8 Days Modified Duration 2 Years 4 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,458 31 Mar 23 ₹10,918 31 Mar 24 ₹11,758 31 Mar 25 ₹12,744 31 Mar 26 ₹13,519 Returns for HDFC Short Term Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.1% 1 Year 5.6% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 8.3% 2022 7.1% 2021 3.5% 2020 3.9% 2019 11% 2018 9.7% 2017 7% 2016 6.5% 2015 9.3% Fund Manager information for HDFC Short Term Debt Fund
Name Since Tenure Anil Bamboli 25 Jun 10 15.78 Yr. Dhruv Muchhal 22 Jun 23 2.78 Yr. Data below for HDFC Short Term Debt Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 4.61% Debt 95.07% Other 0.32% Debt Sector Allocation
Sector Value Corporate 72.09% Government 23.95% Cash Equivalent 3.65% Credit Quality
Rating Value AA 13.43% AAA 86.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Gs 2033
Sovereign Bonds | -3% ₹515 Cr 50,000,000 Aditya Birla Renewables Limited
Debentures | -3% ₹437 Cr 43,500 Jubilant Beverages Limited
Debentures | -3% ₹416 Cr 38,500 Jtpm Metal TRaders Limited
Debentures | -2% ₹374 Cr 36,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -2% ₹354 Cr 350 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹353 Cr 35,000 Bajaj Housing Finance Limited
Debentures | -2% ₹252 Cr 25,000 Pipeline Infrastructure Limited
Debentures | -2% ₹249 Cr 24,500 Power Finance Corporation Limited
Debentures | -2% ₹247 Cr 25,000 TATA Communications Limited
Debentures | -2% ₹246 Cr 25,000 3. Axis Short Term Fund
Axis Short Term Fund
Growth Launch Date 22 Jan 10 NAV (17 Apr 26) ₹32.3035 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹11,860 on 28 Feb 26 Category Debt - Short term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.88 Sharpe Ratio 1.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.22% Effective Maturity 2 Years 9 Months 7 Days Modified Duration 2 Years 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,434 31 Mar 23 ₹10,885 31 Mar 24 ₹11,674 31 Mar 25 ₹12,639 31 Mar 26 ₹13,415 Returns for Axis Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.2% 1 Year 5.9% 3 Year 7.3% 5 Year 6.2% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.1% 2023 8% 2022 6.8% 2021 3.7% 2020 3.5% 2019 10.1% 2018 9.8% 2017 6.3% 2016 5.9% 2015 9.6% Fund Manager information for Axis Short Term Fund
Name Since Tenure Devang Shah 5 Nov 12 13.41 Yr. Aditya Pagaria 3 Jul 23 2.75 Yr. Data below for Axis Short Term Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 9.68% Debt 89.9% Other 0.43% Debt Sector Allocation
Sector Value Corporate 74.24% Government 18.65% Cash Equivalent 6.69% Credit Quality
Rating Value AA 14.87% AAA 85.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹299 Cr 30,000
↓ -10,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹209 Cr 213 Power Finance Corporation Limited
Debentures | -2% ₹196 Cr 20,000
↓ -5,000 Indigrid Infrastructure Trust
Debentures | -2% ₹191 Cr 19,000 Jubilant Beverages Limited
Debentures | -2% ₹170 Cr 15,750 Small Industries Development Bank Of India
Debentures | -2% ₹150 Cr 15,000 National Bank For Agriculture & Rural Development
Debentures | -2% ₹148 Cr 15,000 Power Finance Corporation Limited
Debentures | -2% ₹148 Cr 15,000 Bharti Telecom Limited
Debentures | -2% ₹128 Cr 13,000 Embassy Office Parks Reit
Debentures | -2% ₹125 Cr 12,500 4. Nippon India Short Term Fund
Nippon India Short Term Fund
Growth Launch Date 18 Dec 02 NAV (17 Apr 26) ₹55.0187 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹8,367 on 28 Feb 26 Category Debt - Short term Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.94 Sharpe Ratio 1.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.28% Effective Maturity 3 Years Modified Duration 2 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,491 31 Mar 23 ₹10,876 31 Mar 24 ₹11,680 31 Mar 25 ₹12,644 31 Mar 26 ₹13,400 Returns for Nippon India Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 1.9% 1 Year 5.5% 3 Year 7.2% 5 Year 6.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 8% 2022 6.8% 2021 3.2% 2020 4.4% 2019 9.5% 2018 9.4% 2017 5.5% 2016 5.7% 2015 9.8% Fund Manager information for Nippon India Short Term Fund
Name Since Tenure Vivek Sharma 1 Feb 20 6.17 Yr. Kinjal Desai 25 May 18 7.86 Yr. Sushil Budhia 31 Mar 21 5.01 Yr. Amber Singhania 11 Mar 26 0.06 Yr. Data below for Nippon India Short Term Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 8.96% Debt 90.7% Other 0.34% Debt Sector Allocation
Sector Value Corporate 59.09% Government 33.67% Cash Equivalent 6.9% Credit Quality
Rating Value AA 14.73% AAA 85.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Gs 2030
Sovereign Bonds | -4% ₹295 Cr 28,500,000
↓ -16,000,000 7.17% Karnataka Sdl 2030
Sovereign Bonds | -3% ₹253 Cr 25,000,000 7.93% Uttarpradesh Sdl 2030
Sovereign Bonds | -3% ₹234 Cr 22,500,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹224 Cr 225 7.17% Madhyapradesh Sgs 2031
Sovereign Bonds | -3% ₹207 Cr 20,500,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹199 Cr 200 Small Industries Development Bank Of India
Debentures | -2% ₹167 Cr 16,500 KNOWLEDGE REALTY TRUST 7.54%
Debentures | -2% ₹160 Cr 16,000 Export Import Bank Of India
Debentures | -2% ₹151 Cr 15,000 Nuvoco Vistas Corporation Limited
Debentures | -2% ₹143 Cr 14,500 5. Bandhan Bond Fund Short Term Plan
Bandhan Bond Fund Short Term Plan
Growth Launch Date 14 Dec 00 NAV (17 Apr 26) ₹59.6311 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹10,283 on 28 Feb 26 Category Debt - Short term Bond AMC IDFC Asset Management Company Limited Rating ☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 0.72 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.83% Effective Maturity 1 Year 6 Months 18 Days Modified Duration 1 Year 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,405 31 Mar 23 ₹10,785 31 Mar 24 ₹11,553 31 Mar 25 ₹12,511 31 Mar 26 ₹13,232 Returns for Bandhan Bond Fund Short Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.6% 6 Month 2.4% 1 Year 5.6% 3 Year 7.2% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 7.8% 2022 6.9% 2021 2.8% 2020 3.4% 2019 9.7% 2018 9.7% 2017 6.5% 2016 5.9% 2015 8.8% Fund Manager information for Bandhan Bond Fund Short Term Plan
Name Since Tenure Suyash Choudhary 11 Mar 11 15.07 Yr. Brijesh Shah 10 Jun 24 1.81 Yr. Data below for Bandhan Bond Fund Short Term Plan as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 22.38% Debt 77.26% Other 0.36% Debt Sector Allocation
Sector Value Corporate 63.37% Government 33.91% Cash Equivalent 2.36% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -11% ₹934 Cr 100,000,000
↑ 100,000,000 Bajaj Housing Finance Limited
Debentures | -6% ₹476 Cr 47,500,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹404 Cr 40,500,000 Bajaj Finance Limited
Debentures | -4% ₹322 Cr 32,500,000 Small Industries Development Bank of India
Debentures | -4% ₹314 Cr 32,500,000
↑ 10,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹301 Cr 30,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹270 Cr 27,000,000 Bank of Baroda
Debentures | -3% ₹266 Cr 27,500,000
↓ -2,500,000 Tata Capital Housing Finance Limited
Debentures | -3% ₹250 Cr 25,000,000 LIC Housing Finance Ltd
Debentures | -3% ₹246 Cr 24,500,000
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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