1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ 9 ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು 2022

Updated on February 22, 2026 , 121110 views

ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು? ಅವರನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದು ಹೇಗೆ? ಯೋಚಿಸುವಾಗ ಹೂಡಿಕೆದಾರರ ಮನಸ್ಸಿನಲ್ಲಿ ಉಂಟಾಗುವ ಕೆಲವು ಸಾಮಾನ್ಯ ಪ್ರಶ್ನೆಗಳು ಇವುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ a ಮೂಲಕSIP ಅಥವಾ ವ್ಯವಸ್ಥಿತಹೂಡಿಕೆ ಯೋಜನೆ.

SIP ಹೂಡಿಕೆ ಅತ್ಯಂತ ಶಿಸ್ತುಬದ್ಧವಾಗಿದೆಹೂಡಿಕೆ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಆಯ್ಕೆಗಳುಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. ಇದಲ್ಲದೆ, SIP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆಯ ಕನಿಷ್ಠ ಮೊತ್ತವು INR 500 ಕ್ಕಿಂತ ಕಡಿಮೆಯಿರುತ್ತದೆ. ಇದು ಹೂಡಿಕೆಯನ್ನು ಮಾಡುತ್ತದೆಉನ್ನತ SIP ಹೆಚ್ಚು ಅನುಕೂಲಕರ ಯೋಜನೆಗಳು.

SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಏಕೆ?

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ SIP ಹೂಡಿಕೆಯು ಉಳಿತಾಯದ ಅಭ್ಯಾಸವನ್ನು ಬೆಳೆಸಲು ಅತ್ಯಂತ ಅನುಕೂಲಕರ ಮಾರ್ಗವಾಗಿದೆ. ತುಂಬಾ ಸಾಮಾನ್ಯವಾಗಿ ಯುವ ಪೀಳಿಗೆಯ ಗಳಿಸುವ ಜನರು ಹೆಚ್ಚು ಉಳಿಸುವುದಿಲ್ಲ. ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆಯನ್ನು ಹೊಂದಲು, ಪ್ರಾರಂಭದ ಮೊತ್ತವು ರೂ. 500 ಕ್ಕಿಂತ ಕಡಿಮೆ ಇರುವ ಕಾರಣದಿಂದ ಬೃಹತ್ ಮೊತ್ತದ ಹೂಡಿಕೆಯ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ ಮತ್ತು ಕೆಲವು ನಿಧಿಗಳು ಮಾಸಿಕ INR 100 ಕ್ಕೆ SIP ಅನ್ನು ಸಹ ನೀಡುತ್ತವೆ. ಚಿಕ್ಕ ವಯಸ್ಸಿನಿಂದಲೂ, ಒಬ್ಬರು ತಮ್ಮ ಉಳಿತಾಯವನ್ನು ಹೂಡಿಕೆಯ ರೂಪವಾಗಿ ಮಾಡುವ ಅಭ್ಯಾಸವನ್ನು ಪಡೆಯಬಹುದು. SIP, ಆ ಮೂಲಕ ಪ್ರತಿ ತಿಂಗಳು ಉಳಿಸಲು ನಿಗದಿತ ಮೊತ್ತವನ್ನು ನಿಗದಿಪಡಿಸುತ್ತದೆ. ಆದ್ದರಿಂದ ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆಗಳು ಸ್ಮಾರ್ಟ್ ಹೂಡಿಕೆಯ ಪ್ರಮುಖ ಸಾಧನಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ.

ನಿಮ್ಮ ತಯಾರಿಗಾಗಿ SIP ಸಹಾಯ ಮಾಡುತ್ತದೆಹಣಕಾಸಿನ ಗುರಿಗಳು ತೊಂದರೆ-ಮುಕ್ತ ರೀತಿಯಲ್ಲಿ. SIP ಹೊಂದುವುದು ಅತ್ಯಂತ ಅನುಕೂಲಕರವಾಗಿದೆ ಏಕೆಂದರೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಕಾಗದದ ಕೆಲಸವನ್ನು ಒಂದೇ ಬಾರಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ, ನಂತರ ಮಾಸಿಕ ಮೊತ್ತವನ್ನು ಡೆಬಿಟ್ ಮಾಡಲಾಗುತ್ತದೆಬ್ಯಾಂಕ್ ಮಧ್ಯಸ್ಥಿಕೆ ಇಲ್ಲದೆ ನೇರವಾಗಿ ಖಾತೆ. ಪರಿಣಾಮವಾಗಿ, SIP ಗಳಿಗೆ ಇತರ ಹೂಡಿಕೆಗಳು ಮತ್ತು ಉಳಿತಾಯ ಆಯ್ಕೆಗಳಿಗೆ ಅಗತ್ಯವಿರುವ ಪ್ರಯತ್ನಗಳ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ.

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FY 22 - 23 ರಲ್ಲಿ 1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹570.709 ↑ 0.05	₹22,857	1,000	1.3	3	7.1	7.4	7.4	6.81%	5M 19D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.7974 ↑ 0.01	₹17,808	1,000	1.3	2.9	6.8	7.1	7.1	7.31%	5M 5D	6M 11D
Kotak Savings Fund Growth	₹44.5074 ↑ 0.01	₹16,788	1,000	1.3	2.8	6.6	6.9	6.8	7.12%	5M 16D	6M 11D
Nippon India Ultra Short Duration Fund Growth	₹4,182.56 ↑ 0.42	₹10,488	100	1.4	2.9	6.6	6.9	6.8	7.06%	5M 28D	8M 3D
IDBI Liquid Fund Growth	₹2,454.04 ↑ 0.35	₹503	500	1.7	3.4	6.6	4.5		6.66%	1M 7D	1M 10D
Invesco India Ultra Short Term Fund Growth	₹2,797.86 ↑ 0.55	₹1,315	1,000	1.3	2.8	6.5	6.9	6.8	7%	4M 7D	4M 15D
UTI Ultra Short Term Fund Growth	₹4,395.54 ↑ 0.60	₹3,751	500	1.3	2.7	6.4	6.8	6.6	7.21%	4M 29D	5M 30D
IDBI Ultra Short Term Fund Growth	₹2,424.68 ↑ 0.44	₹146	500	1.6	3.4	6.4	4.8		6.83%	2M 10D	2M 23D
BOI AXA Liquid Fund Growth	₹3,123.49 ↑ 0.42	₹1,843	1,000	1.5	3	6.4	7	6.6	6.42%	1M 2D	1M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Feb 26

Research Highlights & Commentary of 9 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Kotak Savings Fund	Nippon India Ultra Short Duration Fund	IDBI Liquid Fund	Invesco India Ultra Short Term Fund	UTI Ultra Short Term Fund	IDBI Ultra Short Term Fund	BOI AXA Liquid Fund
Point 1	Highest AUM (₹22,857 Cr).	Top quartile AUM (₹17,808 Cr).	Upper mid AUM (₹16,788 Cr).	Upper mid AUM (₹10,488 Cr).	Bottom quartile AUM (₹503 Cr).	Bottom quartile AUM (₹1,315 Cr).	Lower mid AUM (₹3,751 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹1,843 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Established history (21+ yrs).	Oldest track record among peers (24 yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 1★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 7.11% (top quartile).	1Y return: 6.83% (top quartile).	1Y return: 6.60% (upper mid).	1Y return: 6.57% (upper mid).	1Y return: 6.55% (lower mid).	1Y return: 6.50% (lower mid).	1Y return: 6.40% (bottom quartile).	1Y return: 6.39% (bottom quartile).	1Y return: 6.39% (bottom quartile).
Point 6	1M return: 0.61% (top quartile).	1M return: 0.59% (upper mid).	1M return: 0.58% (upper mid).	1M return: 0.60% (top quartile).	1M return: 0.53% (bottom quartile).	1M return: 0.57% (lower mid).	1M return: 0.58% (lower mid).	1M return: 0.52% (bottom quartile).	1M return: 0.56% (bottom quartile).
Point 7	Sharpe: 2.17 (top quartile).	Sharpe: 2.06 (upper mid).	Sharpe: 1.52 (lower mid).	Sharpe: 1.65 (upper mid).	Sharpe: 0.20 (bottom quartile).	Sharpe: 1.37 (lower mid).	Sharpe: 1.15 (bottom quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 3.73 (top quartile).
Point 8	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: -5.96 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 1.44 (top quartile).
Point 9	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 7.31% (top quartile).	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 7.06% (upper mid).	Yield to maturity (debt): 6.66% (bottom quartile).	Yield to maturity (debt): 7.00% (lower mid).	Yield to maturity (debt): 7.21% (top quartile).	Yield to maturity (debt): 6.83% (lower mid).	Yield to maturity (debt): 6.42% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.43 yrs (lower mid).	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.35 yrs (upper mid).	Modified duration: 0.41 yrs (lower mid).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.09 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹22,857 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.11% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 2.17 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Top quartile AUM (₹17,808 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.83% (top quartile).
1M return: 0.59% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.31% (top quartile).
Modified duration: 0.43 yrs (lower mid).

Kotak Savings Fund

Upper mid AUM (₹16,788 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.60% (upper mid).
1M return: 0.58% (upper mid).
Sharpe: 1.52 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).

Nippon India Ultra Short Duration Fund

Upper mid AUM (₹10,488 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.57% (upper mid).
1M return: 0.60% (top quartile).
Sharpe: 1.65 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 0.49 yrs (bottom quartile).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,315 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.50% (lower mid).
1M return: 0.57% (lower mid).
Sharpe: 1.37 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 0.35 yrs (upper mid).

UTI Ultra Short Term Fund

Lower mid AUM (₹3,751 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.40% (bottom quartile).
1M return: 0.58% (lower mid).
Sharpe: 1.15 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 0.41 yrs (lower mid).

IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (lower mid).
Modified duration: 0.19 yrs (upper mid).

BOI AXA Liquid Fund

Lower mid AUM (₹1,843 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 3.73 (top quartile).
Information ratio: 1.44 (top quartile).
Yield to maturity (debt): 6.42% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

1. 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹22,857 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.11% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 2.17 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.7%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (24 Feb 26)	₹570.709 ↑ 0.05 (0.01 %)
Net Assets (Cr)	₹22,857 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	2.17
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,414
31 Jan 23	₹10,928
31 Jan 24	₹11,721
31 Jan 25	₹12,635
31 Jan 26	₹13,528

Aditya Birla Sun Life 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 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 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	3%
1 Year	7.1%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.63 Yr.
Kaustubh Gupta	15 Jul 11	14.56 Yr.
Monika Gandhi	22 Mar 21	4.87 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	47.38%
Debt	52.33%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	54.83%
Cash Equivalent	30.8%
Government	14.08%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹610 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹543 Cr	54,000
Nirma Limited Debentures \| -	2%	₹485 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
7.25% Gujarat Sgs 2026 Sovereign Bonds \| -	2%	₹375 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹350 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹321 Cr	32,000 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹302 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹296 Cr	30,000

2. 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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Top quartile AUM (₹17,808 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.83% (top quartile).
1M return: 0.59% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.31% (top quartile).
Modified duration: 0.43 yrs (lower mid).
Average maturity: 0.53 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.5%).

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (24 Feb 26)	₹28.7974 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹17,808 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	7.31%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,412
31 Jan 23	₹10,907
31 Jan 24	₹11,672
31 Jan 25	₹12,538
31 Jan 26	₹13,391

ICICI Prudential Ultra Short Term 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 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 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.9%
1 Year	6.8%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.22 Yr.
Ritesh Lunawat	15 Jun 17	8.64 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	79.06%
Debt	20.67%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	57.59%
Cash Equivalent	51.73%

Credit Quality

Rating	Value
AA	17.57%
AAA	82.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹450 Cr	450
Vedanta Limited Debentures \| -	2%	₹351 Cr	35,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	2%	₹311 Cr	30,843,000
Muthoot Finance Limited Debentures \| -	2%	₹303 Cr	30,000
Axis Bank Ltd. Debentures \| -	2%	₹281 Cr	6,000
Piramal Finance Limited Debentures \| -	1%	₹247 Cr	24,500 ↓ -3,000
Bank of Baroda Debentures \| -	1%	₹235 Cr	5,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹234 Cr	5,000
Indusind Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

3. 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.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹16,788 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.60% (upper mid).
1M return: 0.58% (upper mid).
Sharpe: 1.52 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.53 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~61%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Housing Finance Limited (~3.8%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (24 Feb 26)	₹44.5074 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹16,788 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.52
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,339
31 Jan 23	₹10,818
31 Jan 24	₹11,564
31 Jan 25	₹12,397
31 Jan 26	₹13,212

Kotak 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 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 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	6.6%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.81 Yr.
Manu Sharma	1 Nov 22	3.25 Yr.

Data below for Kotak Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	60.85%
Debt	38.88%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	45.7%
Cash Equivalent	41.32%
Government	12.71%

Credit Quality

Rating	Value
AA	14.16%
AAA	85.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹642 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹578 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹571 Cr	57,050
Rec Limited Debentures \| -	2%	₹400 Cr	40,000 ↓ -7,500
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹308 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹246 Cr	25,000,000
Bank of Baroda Debentures \| -	1%	₹245 Cr	25,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹209 Cr	210

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.

Research Highlights for Nippon India Ultra Short Duration Fund

Upper mid AUM (₹10,488 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.57% (upper mid).
1M return: 0.60% (top quartile).
Sharpe: 1.65 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.06% (upper mid).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.67 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~48%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/03/2026 Maturing 182 DTB (~2.8%).

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 (24 Feb 26)	₹4,182.56 ↑ 0.42 (0.01 %)
Net Assets (Cr)	₹10,488 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	1.65
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	8 Months 3 Days
Modified Duration	5 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,797
31 Jan 23	₹11,304
31 Jan 24	₹12,070
31 Jan 25	₹12,941
31 Jan 26	₹13,788

Nippon India Ultra Short Duration 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 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 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	6.6%
3 Year	6.9%
5 Year	6.7%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.34 Yr.
Kinjal Desai	25 May 18	7.69 Yr.
Akshay Sharma	1 Dec 22	3.17 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	47.86%
Debt	51.84%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	57.79%
Cash Equivalent	38.01%
Government	3.19%
Securitized	0.72%

Credit Quality

Rating	Value
AA	28.52%
AAA	71.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/03/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹298 Cr	30,000,000 ↑ 30,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹285 Cr	28,500 ↓ -20,000
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹225 Cr	22,500
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹212 Cr	21,500,000 ↑ 21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹200 Cr	20,000
Rec Limited Debentures \| -	2%	₹200 Cr	20,000 ↑ 20,000
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000

5. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.11 yrs (top quartile).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund Growth
Launch Date	9 Jul 10
NAV (28 Jul 23)	₹2,454.04 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹503 on 30 Jun 23
Category	Debt - Liquid Fund
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.2
Information Ratio	-5.96
Alpha Ratio	-0.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,343
31 Jan 23	₹10,873

IDBI Liquid 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 IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.6%
3 Year	4.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 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 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.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,315 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.50% (lower mid).
1M return: 0.57% (lower mid).
Sharpe: 1.37 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 0.35 yrs (upper mid).
Average maturity: 0.38 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~57%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~7.6%).

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 (24 Feb 26)	₹2,797.86 ↑ 0.55 (0.02 %)
Net Assets (Cr)	₹1,315 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	4 Months 15 Days
Modified Duration	4 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,317
31 Jan 23	₹10,764
31 Jan 24	₹11,486
31 Jan 25	₹12,349
31 Jan 26	₹13,150

Invesco India Ultra Short Term 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 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 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	6.5%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	6.08 Yr.
Vikas Garg	27 Jul 21	4.52 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	57.14%
Debt	42.56%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	45.64%
Cash Equivalent	40.82%
Government	13.23%

Credit Quality

Rating	Value
AA	14.9%
AAA	85.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹100 Cr	10,000,000 ↑ 7,500,000
Small Industries Development Bank Of India Debentures \| -	5%	₹65 Cr	6,500,000 ↑ 5,000,000
19/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
27/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹40 Cr	4,000,000
Sundaram Home Finance Limited Debentures \| -	3%	₹35 Cr	3,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹35 Cr	3,500,000
Tbill Sovereign Bonds \| -	3%	₹35 Cr	3,502,500 ↑ 3,502,500
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

7. 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.

Research Highlights for UTI Ultra Short Term Fund

Lower mid AUM (₹3,751 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.40% (bottom quartile).
1M return: 0.58% (lower mid).
Sharpe: 1.15 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.21% (top quartile).
Modified duration: 0.41 yrs (lower mid).
Average maturity: 0.50 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding 18/06/2026 Maturing 182 DTB (~7.6%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (24 Feb 26)	₹4,395.54 ↑ 0.60 (0.01 %)
Net Assets (Cr)	₹3,751 on 15 Feb 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	5 Months 30 Days
Modified Duration	4 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,616
31 Jan 23	₹11,089
31 Jan 24	₹11,847
31 Jan 25	₹12,696
31 Jan 26	₹13,505

UTI Ultra Short Term 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 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 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.7%
1 Year	6.4%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.23 Yr.

Data below for UTI Ultra Short Term Fund as on 15 Feb 26

Asset Allocation

Asset Class	Value
Cash	58.29%
Debt	41.38%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	53.14%
Cash Equivalent	33.69%
Government	12.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	8%	₹294 Cr	3,000,000,000 ↑ 3,000,000,000
09/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹149 Cr	1,500,000,000
Shriram Finance Limited Debentures \| -	3%	₹100 Cr	10,000
DBS Bank India Ltd. Debentures \| -	3%	₹100 Cr	1,000,000,000
Piramal Finance Limited Debentures \| -	2%	₹86 Cr	8,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500 ↓ -2,500
Canara Bank Domestic Bonds \| -	2%	₹75 Cr	750,000,000
Indian Bank Domestic Bonds \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500

8. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (lower mid).
Modified duration: 0.19 yrs (upper mid).
Average maturity: 0.23 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,391
31 Jan 23	₹10,885

IDBI Ultra Short Term 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 IDBI 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 24 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

9. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for BOI AXA Liquid Fund

Lower mid AUM (₹1,843 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 3.73 (top quartile).
Information ratio: 1.44 (top quartile).
Yield to maturity (debt): 6.42% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).
Average maturity: 0.09 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~8.0%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (24 Feb 26)	₹3,123.49 ↑ 0.42 (0.01 %)
Net Assets (Cr)	₹1,843 on 31 Jan 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	3.73
Information Ratio	1.44
Alpha Ratio	0.07
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.42%
Effective Maturity	1 Month 2 Days
Modified Duration	1 Month 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,332
31 Jan 23	₹10,867
31 Jan 24	₹11,643
31 Jan 25	₹12,506
31 Jan 26	₹13,309

BOI AXA Liquid 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 BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3%
1 Year	6.4%
3 Year	7%
5 Year	5.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.4%
2022	7%
2021	4.9%
2020	3.3%
2019	4.1%
2018	6.4%
2017	7.4%
2016	6.7%
2015	7.6%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.46 Yr.

Data below for BOI AXA Liquid Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	99.7%
Other	0.3%

Debt Sector Allocation

Sector	Value
Cash Equivalent	58.46%
Corporate	38.54%
Government	2.7%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	8%	₹148 Cr	15,000,000 ↑ 15,000,000
Indian Bank Certificate of Deposit \| -	5%	₹99 Cr	10,000,000
Union Bank of India Domestic Bonds \| -	5%	₹99 Cr	10,000,000
HDFC Securities Limited Commercial Paper \| -	4%	₹79 Cr	8,000,000
19/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹75 Cr	7,500,000 ↑ 7,500,000
Bank Of Baroda Certificate of Deposit \| -	4%	₹74 Cr	7,500,000
Canara Bank Certificate of Deposit \| -	4%	₹74 Cr	7,500,000 ↑ 2,500,000
State Bank Of India Certificate of Deposit \| -	3%	₹64 Cr	6,500,000 ↑ 6,500,000
Blue Star Ltd - Commercial Paper \| -	3%	₹50 Cr	5,000,000
Icici Securities Primary Dealership Ltd Commercial Paper \| -	3%	₹50 Cr	5,000,000

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ SIP ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

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FAQ ಗಳು

1. SIP ಗಳಲ್ಲಿ ಅಧಿಕಾರಾವಧಿಯ ಪ್ರಾಮುಖ್ಯತೆ ಏನು?

ಉ: ನೀವು SIP ಗಳನ್ನು ಆಯ್ಕೆಮಾಡುವಾಗ, ನೀವು ಪರಿಗಣಿಸಬೇಕಾದ ಮೊದಲ ವಿಷಯವೆಂದರೆ ಅಧಿಕಾರಾವಧಿ. ಅವಧಿಯನ್ನು ಪರಿಶೀಲಿಸುವುದು ಮತ್ತು ನಂತರ ಹೂಡಿಕೆ ಮಾಡುವುದು ಒಳ್ಳೆಯದು ಏಕೆಂದರೆ ನೀವು ಅವಧಿಯನ್ನು ಪೂರ್ಣಗೊಳಿಸುವ ಮೊದಲು ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಮುಚ್ಚಬಾರದು. ನೀವು ಹಾಗೆ ಮಾಡಿದರೆ, ನೀವು ನಿರ್ಗಮನ ಲೋಡ್ ರೂಪದಲ್ಲಿ ದಂಡವನ್ನು ಪಾವತಿಸಬೇಕಾಗಬಹುದು.

2. ಒಂದು ವರ್ಷದ SIP ಗಳು ಉತ್ತಮವೇ?

ಉ: ಹೌದು, ಒಂದು ವರ್ಷದ SIP ಗಳು ಒಳ್ಳೆಯದು, ವಿಶೇಷವಾಗಿ ನೀವು ತ್ವರಿತ ಆದಾಯವನ್ನು ಹುಡುಕುತ್ತಿದ್ದರೆ. ಸಾಮಾನ್ಯವಾಗಿ, ಒಂದು ವರ್ಷದ SIP ಗಳ ಸಹಾಯದಿಂದ, ನಿಮ್ಮ ಫಂಡ್ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ಅವಲಂಬಿಸಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ 4.2% ರಿಂದ 6.2% ವರೆಗಿನ ROI ಗಳನ್ನು ನೀವು ನಿರೀಕ್ಷಿಸಬಹುದು.

3. ನಾನು ಒಂದು ವರ್ಷದ SIP ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಉ: ನೀವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಹೊಸಬರಾಗಿದ್ದರೆ ಮತ್ತು ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದರೆ ಒಂದು ವರ್ಷದ SIP ಗಳು ಉಪಯುಕ್ತವಾಗಿವೆ.

4. ಒಂದು ವರ್ಷದ SIP ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಯೇ?

ಉ: ಒಂದು ವರ್ಷದ SIP ಗಳು ಯುವ ಹೂಡಿಕೆದಾರರಲ್ಲಿ ಜನಪ್ರಿಯತೆಯನ್ನು ಗಳಿಸುತ್ತಿವೆ ಏಕೆಂದರೆ ಇವುಗಳು ಉತ್ತಮ ಮತ್ತು ತ್ವರಿತ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳಲು ಬಯಸಿದರೆಮಾರುಕಟ್ಟೆ, ನಂತರ ಒಂದು ವರ್ಷದ SIP ಗಳು ಒಳ್ಳೆಯದು.

5. ಎಲ್ಲಾ SIP ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಯೇ?

ಉ: ನಿಮ್ಮ ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು SIP ಗಳು ಉತ್ತಮ ಮಾರ್ಗಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ ಮತ್ತು ಉತ್ತಮ ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸಲು ಹೆಸರುವಾಸಿಯಾಗಿದೆ. ನೀವು ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಹಣವನ್ನು ಮತ್ತು ಮೊತ್ತವನ್ನು ಆಯ್ಕೆ ಮಾಡಲು ಇದು ನಿಮ್ಮನ್ನು ಅನುಮತಿಸುತ್ತದೆ. ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಸಣ್ಣ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ನಿಮಗೆ ಅವಕಾಶವಿದೆ.

6. ಎಲ್ಲಾ SIP ಗಳು ದೊಡ್ಡ ಕ್ಯಾಪ್ ಸ್ಟಾಕ್‌ಗಳನ್ನು ಒಳಗೊಂಡಿವೆಯೇ?

ಉ: ಪ್ರಕಾರSEBI ಕಡ್ಡಾಯವಾಗಿ, SIP ಹೂಡಿಕೆದಾರರು ಹೂಡಿಕೆದಾರರು ಮತ್ತು ಕಂಪನಿಗಳನ್ನು ರಕ್ಷಿಸಲು 70:20:10 ಪ್ರೋಟೋಕಾಲ್ ಅನ್ನು ಅನುಸರಿಸಬೇಕು. ಈ ನಿಯಮದ ಪ್ರಕಾರ, ಈಕ್ವಿಟಿ ಹೂಡಿಕೆಯ 70% ದೊಡ್ಡ ಕ್ಯಾಪ್ ಷೇರುಗಳಲ್ಲಿ, 20% ರಲ್ಲಿಮಿಡ್ ಕ್ಯಾಪ್ ಷೇರುಗಳು, ಮತ್ತು 10% ರಲ್ಲಿಸಣ್ಣ ಕ್ಯಾಪ್ ಷೇರುಗಳು. ಆದ್ದರಿಂದ SIP ಗಳು ಹೂಡಿಕೆಗಳನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸುತ್ತವೆ ಮತ್ತು ಎಲ್ಲವೂ ಕೇವಲ ದೊಡ್ಡ ಕ್ಯಾಪ್ ಸ್ಟಾಕ್‌ಗಳಲ್ಲಿ ಕೇಂದ್ರೀಕೃತವಾಗಿರುವುದಿಲ್ಲ.

7. SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಗರಿಷ್ಠ ಮತ್ತು ಕನಿಷ್ಠ ಮೊತ್ತವಿದೆಯೇ?

ಉ: ನೀವು SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಕನಿಷ್ಠ ಮೊತ್ತವು ರೂ.500 ಆಗಿದೆ. ಆದಾಗ್ಯೂ, SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯಿಲ್ಲ. ನಿಮ್ಮ ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ನೊಂದಿಗೆ ನೀವು ಇದನ್ನು ಯೋಜಿಸಬಹುದು.

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಖಾತರಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.