ಪುನರಾವರ್ತಿತ ಠೇವಣಿ (RD) ಎಂದರೇನು?

Updated on February 16, 2026 , 62746 views

ನೀವು ಹೇಗೆ ವ್ಯವಸ್ಥಿತ ಎಂದು ತಿಳಿದಿದ್ದರೆಹೂಡಿಕೆ ಯೋಜನೆ (SIP) ನಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಕೆಲಸ ಮಾಡುತ್ತದೆ, ನಂತರ ನೀವು ಮರುಕಳಿಸುವ ಠೇವಣಿಗಳನ್ನು ಸುಲಭವಾಗಿ ಅರ್ಥಮಾಡಿಕೊಳ್ಳುವಿರಿ! ಮರುಕಳಿಸುವ ಠೇವಣಿಯಲ್ಲಿ (RD) ಪ್ರತಿ ತಿಂಗಳು ನಿಗದಿತ ಕಂತು ಮಾಡಲಾಗುತ್ತದೆ ಮತ್ತು ಬಡ್ಡಿಯನ್ನು ಪಾವತಿಸಲಾಗುತ್ತದೆಬ್ಯಾಂಕ್ ಈ ಮೊತ್ತದ ಮೇಲೆ. ಆರ್‌ಡಿ ಖಾತೆಯ ಬಗ್ಗೆ ಇನ್ನಷ್ಟು ತಿಳಿದುಕೊಳ್ಳೋಣ,RD ಬಡ್ಡಿ ದರಗಳು,RD ಕ್ಯಾಲ್ಕುಲೇಟರ್, RD ಬಡ್ಡಿ ಕ್ಯಾಲ್ಕುಲೇಟರ್, ಇತ್ಯಾದಿ.

ಮರುಕಳಿಸುವ ಠೇವಣಿ (RD)

ಮರುಕಳಿಸುವ ಠೇವಣಿಯು ಒಂದು ನಿರ್ದಿಷ್ಟ ಅವಧಿಯಲ್ಲಿ ನಿಯಮಿತವಾಗಿ ಉಳಿಸಲು ಮತ್ತು ಹೆಚ್ಚಿನ ಬಡ್ಡಿದರವನ್ನು ಗಳಿಸಲು ಬಯಸುವವರಿಗೆ ಹೂಡಿಕೆ ಮತ್ತು ಉಳಿತಾಯದ ಆಯ್ಕೆಯಾಗಿದೆ. ಪ್ರತಿ ತಿಂಗಳು, ಒಂದು ನಿಗದಿತ ಮೊತ್ತದ ಹಣವನ್ನು ಕಡಿತಗೊಳಿಸಲಾಗುತ್ತದೆಉಳಿತಾಯ ಖಾತೆ ಅಥವಾ ಚಾಲ್ತಿ ಖಾತೆ. ಮುಕ್ತಾಯದ ಅವಧಿಯ ಕೊನೆಯಲ್ಲಿ, ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹೂಡಿಕೆ ಮಾಡಿದ ಹಣವನ್ನು ಮರಳಿ ಪಾವತಿಸುತ್ತಾರೆಸಂಚಿತ ಬಡ್ಡಿ.

ಸಾರ್ವಜನಿಕ ವಲಯದ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ, ಕನಿಷ್ಠ INR 100 ಕ್ಕಿಂತ ಕಡಿಮೆ ಮೊತ್ತದಲ್ಲಿ RD ಖಾತೆಯನ್ನು ತೆರೆಯಬಹುದು. ಆದರೆ, ಖಾಸಗಿ ವಲಯದ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಠೇವಣಿ ಮಾಡಬೇಕಾದ ಕನಿಷ್ಠ ಮೊತ್ತವು INR 500 ರಿಂದ INR 1000 ಆಗಿದೆ, ಆದರೆ ಒಂದುಅಂಚೆ ಕಛೇರಿ ಒಬ್ಬರು ಕೇವಲ INR 10 ನಲ್ಲಿ ಖಾತೆಯನ್ನು ತೆರೆಯಬಹುದು. ಕೆಲವು ಬ್ಯಾಂಕ್‌ಗಳು INR 15 ಲಕ್ಷದ ಗರಿಷ್ಠ ಮಿತಿಯನ್ನು ಹೊಂದಿದ್ದರೆ, ಇತರರು ಅಂತಹ ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯನ್ನು ಹೊಂದಿಲ್ಲ. ಮರುಕಳಿಸುವ ಠೇವಣಿಯ ಅವಧಿಯು ಕನಿಷ್ಠ ಮೂರು ತಿಂಗಳುಗಳು ಮತ್ತು ಗರಿಷ್ಠ 10 ವರ್ಷಗಳು.

RD ಖಾತೆ: ವೈಶಿಷ್ಟ್ಯಗಳು

ಇದು ಜನರಲ್ಲಿ ಉಳಿತಾಯದ ಹವ್ಯಾಸವನ್ನು ಬೆಳೆಸುತ್ತದೆ
ಮರುಕಳಿಸುವ ಠೇವಣಿಯಲ್ಲಿನ ಬಡ್ಡಿಯ ದರವು ಹೆಚ್ಚು
RD ಯೋಜನೆಗಳು ಲೆಕ್ಕಿಸದೆ ಸ್ಥಿರ ಮತ್ತು ಸುರಕ್ಷಿತ ಹೂಡಿಕೆ ಆಯ್ಕೆಯನ್ನು ಒದಗಿಸುತ್ತವೆಮಾರುಕಟ್ಟೆ ಏರಿಳಿತಗಳು
ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಆರ್‌ಡಿ ಖಾತೆಯನ್ನು ಮುಕ್ತಾಯ ಅವಧಿಯ ಮೊದಲು ಮುಚ್ಚಬಹುದು. ಆದರೆ, ಅಕಾಲಿಕ ಹಿಂಪಡೆಯುವಿಕೆಯ ಸಮಯದಲ್ಲಿ, ಹೂಡಿಕೆದಾರರು ಬ್ಯಾಂಕ್ ಅನ್ನು ಅವಲಂಬಿಸಿ ಕೆಲವು ಮೊತ್ತವನ್ನು ದಂಡದ ರೂಪದಲ್ಲಿ ಪಾವತಿಸಬೇಕಾಗಬಹುದು.
ಹೂಡಿಕೆದಾರರು ಮರುಕಳಿಸುವ ಠೇವಣಿಯ ವಿರುದ್ಧ 60-90% ವರೆಗೆ ಸಾಲವನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದು
ತಪ್ಪಿದ ಆರು ಕಂತುಗಳಲ್ಲಿ ಬ್ಯಾಂಕ್ ಖಾತೆಯನ್ನು ಸ್ಥಗಿತಗೊಳಿಸಬಹುದು. ಆದರೆ, ಕಳೆದ ಒಂದು ತಿಂಗಳೊಳಗೆ ಬಾಕಿ ಮೊತ್ತ ಪಾವತಿಸಿದರೆಡೀಫಾಲ್ಟ್, ಅದನ್ನು ಪುನರುಜ್ಜೀವನಗೊಳಿಸಬಹುದು.
ಮರುಕಳಿಸುವ ಠೇವಣಿಗಳು ನಾಮನಿರ್ದೇಶನದೊಂದಿಗೆ ಬರುತ್ತವೆಸೌಲಭ್ಯ
ಮರುಕಳಿಸುವ ಠೇವಣಿಗಳಲ್ಲಿ ಯಾವುದೇ TDS (ಮೂಲದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಲಾಗಿದೆ) ಇಲ್ಲ. ಬಡ್ಡಿಯ ಭಾಗವು ತೆರಿಗೆಗೆ ಒಳಪಟ್ಟಿರುತ್ತದೆ ಮತ್ತು ಅದನ್ನು ಸೇರಿಸಲಾಗುತ್ತದೆಹೂಡಿಕೆದಾರಗಳುಆದಾಯ ಮತ್ತು ಸಂಬಂಧಿತ ಸ್ಲ್ಯಾಬ್ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.

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RD ಬಡ್ಡಿ ದರಗಳು

ಭಾರತದ ಬಹುತೇಕ ಎಲ್ಲಾ ಪ್ರಮುಖ ಬ್ಯಾಂಕ್‌ಗಳು ಮರುಕಳಿಸುವ ಠೇವಣಿ ಖಾತೆಯನ್ನು ನೀಡುತ್ತವೆ. ಪ್ರತಿ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿನ ಬಡ್ಡಿದರವು ಬದಲಾಗಬಹುದು, ಆದರೆ ಇದು ಸಾಮಾನ್ಯವಾಗಿ ನಡುವೆ ಇರುತ್ತದೆ7% ರಿಂದ 9.25% p.a, ಮತ್ತು ಅಂಚೆ ಕಛೇರಿಯಲ್ಲಿ ಅದು7.4% (ಪ್ರಚಲಿತ ಮಾರುಕಟ್ಟೆ ಸ್ಥಿತಿಯನ್ನು ಅವಲಂಬಿಸಿ). ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ಸಿಗುತ್ತದೆ0.5% ಹೆಚ್ಚುವರಿ. ಒಮ್ಮೆ ನಿರ್ಧರಿಸಿದ ಬಡ್ಡಿ ದರವು ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ ಬದಲಾಗುವುದಿಲ್ಲ. ಒಂದು ಸಮಯದಲ್ಲಿ ಒಂದಕ್ಕಿಂತ ಹೆಚ್ಚು ಕಂತುಗಳನ್ನು ಪಾವತಿಸಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರು ಹಾಗೆ ಮಾಡಬಹುದು.

RD ಕ್ಯಾಲ್ಕುಲೇಟರ್

ಮರುಕಳಿಸುವ ಠೇವಣಿ ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಆರ್‌ಡಿಯಲ್ಲಿ ಮೆಚುರಿಟಿ ಮೊತ್ತವನ್ನು ಲೆಕ್ಕಾಚಾರ ಮಾಡಲು ಉತ್ತಮ ಮಾರ್ಗವಾಗಿದೆ. ಮುಕ್ತಾಯದ ಮೇಲೆ ನಿಮ್ಮ RD ಮೊತ್ತವನ್ನು ಅಂದಾಜು ಮಾಡಲು ನೀವು ಈ ವಿಧಾನವನ್ನು ಅನುಸರಿಸಬಹುದು.

RD ಕ್ಯಾಲ್ಕುಲೇಟರ್	INR
ಮಾಸಿಕ ಠೇವಣಿ ಮೊತ್ತ	200
ತಿಂಗಳಲ್ಲಿ ಆರ್.ಡಿ	60
ಬಡ್ಡಿ ದರ	8%
ಆಸಕ್ತಿಸಂಯುಕ್ತ ಆವರ್ತನ	ಮಾಸಿಕ
RD ಮೆಚುರಿಟಿ ಮೊತ್ತ	INR 1,47,933

RD ಬಡ್ಡಿ ಕ್ಯಾಲ್ಕುಲೇಟರ್

ಆರ್‌ಡಿ ಬಡ್ಡಿ ಕ್ಯಾಲ್ಕುಲೇಟರ್‌ನ ಸಹಾಯದಿಂದ ಗ್ರಾಹಕರು ತಮ್ಮ ಸಾಮರ್ಥ್ಯವನ್ನು ನಿರ್ಧರಿಸಬಹುದುಗಳಿಕೆ. ನೀವು ಮಾಸಿಕ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಮೊತ್ತ ಮತ್ತು ಹೂಡಿಕೆಯ ಅವಧಿಯನ್ನು ನೀವು ನಿರ್ಧರಿಸಬೇಕು (ಉದಾಹರಣೆಗೆ ಕೆಳಗೆ ವಿವರಿಸಲಾಗಿದೆ).

RD ಬಡ್ಡಿ ಕ್ಯಾಲ್ಕುಲೇಟರ್
ಮೊತ್ತ	INR 1000
ಬಡ್ಡಿ ದರ	ವರ್ಷಕ್ಕೆ 8%
ಅವಧಿ	12 ತಿಂಗಳುಗಳು

ಸಾರಾಂಶ- ಪಾವತಿಸಿದ ಒಟ್ಟು ಮೊತ್ತ-INR 12,000 ಒಟ್ಟು ಮೆಚುರಿಟಿ ಮೊತ್ತ-INR 12,530 ಒಟ್ಟು ಬಡ್ಡಿ ಸ್ವೀಕಾರ-INR 530

ತೀರ್ಮಾನ

ಪುನರಾವರ್ತಿತ ಠೇವಣಿ ವ್ಯಕ್ತಿಗಳು ನಿಯಮಿತವಾಗಿ ಉಳಿಸುವ ಅಭ್ಯಾಸವನ್ನು ಪಡೆಯಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ. ನೀವು ಇಲ್ಲಿಯವರೆಗೆ ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡದಿದ್ದರೆ, ಮರುಕಳಿಸುವ ಠೇವಣಿಯೊಂದಿಗೆ ಪ್ರಾರಂಭಿಸಿ. ಅಲ್ಲದೆ, ತುರ್ತು ನಿಧಿ ಅಥವಾ ಆಕಸ್ಮಿಕ ನಿಧಿಯನ್ನು ರಚಿಸಲು ಇದು ಉತ್ತಮ ಮಾರ್ಗವಾಗಿದೆ. ನಿಮ್ಮ ಅಲ್ಪಾವಧಿ ಮತ್ತು ದೀರ್ಘಾವಧಿಗೆ ಪ್ರತಿ ತಿಂಗಳು ಸ್ವಲ್ಪ ಪ್ರಮಾಣದ ಹಣವನ್ನು ಉಳಿಸಲು ಇದು ಸೂಕ್ತ ಮಾರ್ಗವಾಗಿದೆಹಣಕಾಸಿನ ಗುರಿಗಳು.

ಇಂದು ಮರುಕಳಿಸುವ ಠೇವಣಿ ಖಾತೆಯನ್ನು ತೆರೆಯಿರಿ ಮತ್ತು ನಾಳೆಗಾಗಿ ಉಳಿಸಿ!

ಇದೇ ಪರ್ಯಾಯಗಳು

ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಒಬ್ಬರು ಆರ್‌ಡಿಗಳಿಗಿಂತ ಹೆಚ್ಚಿನದನ್ನು ಪ್ರಿನ್ಸಿಪಾಲ್‌ನಲ್ಲಿ ಒಂದೇ ರೀತಿಯ ಸುರಕ್ಷತೆಯೊಂದಿಗೆ ಗಳಿಸಬಹುದುಹೂಡಿಕೆ ಲಿಕ್ವಿಡ್ ಅಥವಾ ಅಲ್ಟ್ರಾ ಸಂಕ್ಷಿಪ್ತವಾಗಿಕರಾರುಪತ್ರ 30 ದಿನಗಳಿಂದ ವರ್ಷಕ್ಕೆ ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಯವರೆಗೆ ಸೆಕ್ಯುರಿಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ನಿಧಿಗಳು.

ಲಿಕ್ವಿಡ್ / ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಡೆಟ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

1. Essel Liquid Fund

To provide high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market & debt securities. However, there can be no assurance that the investment objective will be achieved. The scheme does not assure or guarantee any returns.

Research Highlights for Essel Liquid Fund

Bottom quartile AUM (₹69 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 5.87% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 0.05 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.12% (top quartile).
Modified duration: 0.06 yrs (top quartile).
Average maturity: 0.06 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~99%).
Largest holding Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent (~20.8%).
Top-3 holdings concentration ~42.9%.

Below is the key information for Essel Liquid Fund

Essel Liquid Fund Growth
Launch Date	19 Feb 10
NAV (18 Feb 26)	₹29.3846 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹69 on 31 Dec 25
Category	Debt - Liquid Fund
AMC	Essel Funds Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	0.05
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	22 Days
Modified Duration	22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,348
31 Jan 23	₹10,895
31 Jan 24	₹11,640
31 Jan 25	₹12,450
31 Jan 26	₹13,191

Essel 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 Essel 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 18 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.8%
1 Year	5.9%
3 Year	6.6%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.1%
2023	6.9%
2022	6.8%
2021	5.1%
2020	3.4%
2019	3.7%
2018	6.2%
2017	7.4%
2016	6.8%
2015	7.8%

Fund Manager information for Essel Liquid Fund

Name	Since	Tenure
Tanmay Sethi	1 Feb 24	2 Yr.

Data below for Essel Liquid Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	99.32%
Debt	0.68%

Debt Sector Allocation

Sector	Value
Cash Equivalent	79.51%
Corporate	13.14%
Government	7.34%

Credit Quality

Rating	Value
AA	8.35%
AAA	90.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent CBLO/Reverse Repo \| -	21%	₹14 Cr
7.27% Gs 2026 Sovereign Bonds \| -	15%	₹10 Cr	1,000,000 ↑ 1,000,000
Small Industries Development Bank Of India Debentures \| -	7%	₹5 Cr	500,000
HDFC Bank Limited Certificate of Deposit \| -	7%	₹5 Cr	500,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	7%	₹5 Cr	500,000
Time Technoplast Limited ( Formerly Time Packaging Limited) Commercial Paper \| -	7%	₹5 Cr	500,000
Bajaj Financial Securities Ltd Commercial Paper \| -	7%	₹5 Cr	500,000
LIC Housing Finance Ltd Commercial Paper \| -	7%	₹5 Cr	500,000
TATA Projects Limited Debentures \| -	7%	₹5 Cr	450,000
Axis Bank Limited Certificate of Deposit \| -	5%	₹3 Cr	350,000 ↑ 350,000

2. 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% (lower mid).
1M return: 0.52% (lower mid).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (upper 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 18 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

3. 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

Upper mid AUM (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.88% (upper mid).
1M return: 0.60% (upper mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 0.47 yrs (lower mid).
Average maturity: 0.61 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 (18 Feb 26)	₹28.7729 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹16,907 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.94
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	6.82%
Effective Maturity	7 Months 10 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	₹10,412
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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.9%
1 Year	6.9%
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 Dec 25

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

4. 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 (₹23,615 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.15% (top quartile).
1M return: 0.65% (top quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (lower mid).
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 (18 Feb 26)	₹570.293 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹23,615 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.14
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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
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 Dec 25

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

5. 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

Upper mid AUM (₹3,655 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.43% (upper mid).
1M return: 0.58% (upper mid).
Sharpe: 1.85 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (bottom quartile).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
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 (18 Feb 26)	₹4,391.78 ↑ 0.08 (0.00 %)
Net Assets (Cr)	₹3,655 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	6 Months 24 Days
Modified Duration	5 Months 21 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 18 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 31 Dec 25

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

6. Motilal Oswal Ultra Short Term Fund

(Erstwhile Motilal Oswal MOSt Ultra Short Term Bond 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. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Ultra Short Term Fund

Lower mid AUM (₹513 Cr).
Established history (12+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.25% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: -3.63 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.74% (bottom quartile).
Modified duration: 0.42 yrs (upper mid).
Average maturity: 0.45 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding 30/07/2026 Maturing 364 DTB (~14.6%).

Below is the key information for Motilal Oswal Ultra Short Term Fund

Motilal Oswal Ultra Short Term Fund Growth
Launch Date	6 Sep 13
NAV (18 Feb 26)	₹16.984 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹513 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-3.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.74%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,245
31 Jan 23	₹10,637
31 Jan 24	₹11,264
31 Jan 25	₹11,938
31 Jan 26	₹12,556

Motilal Oswal Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Motilal Oswal 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 18 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	1.1%
6 Month	2.4%
1 Year	5.2%
3 Year	5.7%
5 Year	4.7%
10 Year
15 Year
Since launch	4.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	6%
2022	5.8%
2021	3.6%
2020	2.4%
2019	4.3%
2018	6.2%
2017	-8.1%
2016	5.5%
2015	6.4%

Fund Manager information for Motilal Oswal Ultra Short Term Fund

Name	Since	Tenure
Rakesh Shetty	22 Nov 22	3.19 Yr.

Data below for Motilal Oswal Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	70.75%
Debt	29.25%

Debt Sector Allocation

Sector	Value
Corporate	38.9%
Government	34.18%
Cash Equivalent	26.91%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
30/07/2026 Maturing 364 DTB Sovereign Bonds \| -	15%	₹73 Cr	7,500,000
12/02/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹30 Cr	3,000,000
14/05/2026 Maturing 182 DTB Sovereign Bonds \| -	5%	₹25 Cr	2,500,000
Bank of Baroda Debentures \| -	5%	₹24 Cr	2,500,000
10/09/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹24 Cr	2,500,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Kotak Mahindra Prime Limited Commercial Paper \| -	5%	₹25 Cr	2,500,000
Small Industries Development Bank Of India Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Tata Capital Limited Commercial Paper \| -	5%	₹24 Cr	2,500,000
The Federal Bank Limited Md Certificate of Deposit \| -	5%	₹24 Cr	2,500,000

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.