ಮರುಕಳಿಸುವ ಠೇವಣಿ Vs ಸ್ಥಿರ ಠೇವಣಿ: ಯಾವುದು ಉತ್ತಮ?

Updated on December 20, 2025 , 10526 views

ಮರುಕಳಿಸುವ ಠೇವಣಿ Vs ಸ್ಥಿರ ಠೇವಣಿ? ನಿಮ್ಮ ಹಣವನ್ನು ಎಲ್ಲಿ ಉಳಿಸಬೇಕೆಂದು ಯೋಚಿಸುತ್ತಿದ್ದೀರಾ? ಸರಿ, ಅನೇಕ ಬಾರಿ, ಹೂಡಿಕೆದಾರರು ಮರುಕಳಿಸುವ ಠೇವಣಿ (RD) ಅಥವಾ ಸ್ಥಿರ ಠೇವಣಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆ ಎಂದು ಗೊಂದಲಕ್ಕೊಳಗಾಗುತ್ತಾರೆ (FD) ಅವು ಅತ್ಯಂತ ಜನಪ್ರಿಯ ಉಳಿತಾಯ ಯೋಜನೆಗಳಾಗಿದ್ದರೂ, ವಿಶೇಷವಾಗಿ ಅಪಾಯ-ವಿರೋಧಿ ಹೂಡಿಕೆದಾರರಲ್ಲಿ, ಆರ್‌ಡಿ ಮತ್ತು ಎಫ್‌ಡಿ ಪರಸ್ಪರ ಹೇಗೆ ಭಿನ್ನವಾಗಿವೆ ಮತ್ತು ಯಾವುದು ಉತ್ತಮ ಎಂಬುದನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳುವುದು ಮುಖ್ಯವಾಗಿದೆ.ಹೂಡಿಕೆ ಆಯ್ಕೆಯನ್ನು.

ಮರುಕಳಿಸುವ ಠೇವಣಿ (RD)

ಆರ್ಡಿ ಎಹಣಕಾಸು ಸಾಧನ ಮುಖ್ಯವಾಗಿ ಉಳಿತಾಯವನ್ನು ಉತ್ತೇಜಿಸುವ ಕಡೆಗೆ ನಿರ್ದೇಶಿಸಲಾಗಿದೆ. ಈ ಯೋಜನೆಯಲ್ಲಿ, ಹೂಡಿಕೆದಾರರು ಪ್ರತಿ ತಿಂಗಳು ಒಂದು ನಿರ್ದಿಷ್ಟ ಮೊತ್ತವನ್ನು ಉಳಿಸಲು ನಮ್ಯತೆಯನ್ನು ಹೊಂದಿರುತ್ತಾರೆಬ್ಯಾಂಕ್ಗಳು ಅಥವಾ ಹಣಕಾಸು ಸಂಸ್ಥೆಯ RD ಖಾತೆಯನ್ನು ಪೂರ್ವನಿರ್ಧರಿತ ಅವಧಿಗೆ ಮತ್ತು ಈ ಮೊತ್ತದ ಮೇಲೆ ಬಡ್ಡಿಯನ್ನು ಗಳಿಸಿ. ಮುಕ್ತಾಯದ ಸಮಯದಲ್ಲಿ, ಅಸಲು ಮೊತ್ತದೊಂದಿಗೆ ಬಡ್ಡಿಯನ್ನು ಪಾವತಿಸಲಾಗುತ್ತದೆ.

ಸ್ಥಿರ ಠೇವಣಿ (FD)

ನಿಶ್ಚಿತ ಠೇವಣಿಗಳು ನಿಶ್ಚಿತ ಪೂರ್ವನಿರ್ಧರಿತ ಅವಧಿಗೆ ಬ್ಯಾಂಕುಗಳು ಒದಗಿಸುವ ಒಂದು ರೀತಿಯ ಹಣಕಾಸು ಸಾಧನಗಳಾಗಿವೆ.ಸ್ಥಿರ ಬಡ್ಡಿದರ. ಈ ಯೋಜನೆಯಲ್ಲಿ, ಎಫ್‌ಡಿ ಖಾತೆಯನ್ನು ರಚಿಸುವ ಸಮಯದಲ್ಲಿ ಒಮ್ಮೆ ಸ್ಥಿರ ಮೊತ್ತವನ್ನು ಠೇವಣಿ ಮಾಡಲಾಗುತ್ತದೆ. ಅಧಿಕಾರಾವಧಿಯ ಕೊನೆಯಲ್ಲಿ, ಆಯ್ಕೆಮಾಡಿದ ಅವಧಿಯ ಬಡ್ಡಿ ಮೊತ್ತವನ್ನು ಅಸಲು ಮೊತ್ತದೊಂದಿಗೆ ಲೆಕ್ಕಹಾಕಲಾಗುತ್ತದೆ ಮತ್ತು ಒಟ್ಟು ಮೊತ್ತವನ್ನು ಸಂಚಿತವಾಗಿ ಪಾವತಿಸಲಾಗುತ್ತದೆ.

ಮರುಕಳಿಸುವ ಠೇವಣಿ VS ಸ್ಥಿರ ಠೇವಣಿ

ನಿಯತಾಂಕಗಳು	ಮರುಕಳಿಸುವ ಠೇವಣಿ (RD)	ಸ್ಥಿರ ಠೇವಣಿ (FD)
ಅಧಿಕಾರಾವಧಿ	RD ಯ ಅಧಿಕಾರಾವಧಿಯು ಸಾಮಾನ್ಯವಾಗಿ 6 ತಿಂಗಳಿಂದ 10 ವರ್ಷಗಳವರೆಗೆ ಬದಲಾಗುತ್ತದೆ	FD ಯೋಜನೆಯ ಅವಧಿಯು 7 ದಿನಗಳಿಂದ 10 ವರ್ಷಗಳವರೆಗೆ ಇರುತ್ತದೆ
ಬಡ್ಡಿ ಲೆಕ್ಕಾಚಾರಗಳು	ಸಂಯುಕ್ತ RD ಯೋಜನೆಗಾಗಿ ಸಾಮಾನ್ಯವಾಗಿ ಪ್ರತಿ ತ್ರೈಮಾಸಿಕದಲ್ಲಿ ಆಸಕ್ತಿಯು ಸಂಭವಿಸುತ್ತದೆ	ಎಫ್‌ಡಿಯಲ್ಲಿ, ಪ್ರತಿ ವರ್ಷ ಸಂಚಿತ ಬಡ್ಡಿಯ ಮೇಲೆ ಸಂಯುಕ್ತ ಬಡ್ಡಿಯನ್ನು ಲೆಕ್ಕಹಾಕಲಾಗುತ್ತದೆ
ಅರ್ಹತೆ	ಎಲ್ಲಾ ನಿವಾಸಿ ಭಾರತೀಯರು ಮತ್ತು ಹಿಂದೂ ಅವಿಭಜಿತ ಕುಟುಂಬಗಳು (HUFs) RD ಖಾತೆಯನ್ನು ತೆರೆಯಲು ಅರ್ಹರಾಗಿರುತ್ತಾರೆ. ಈ ಖಾತೆಯನ್ನು ಅಪ್ರಾಪ್ತ ವಯಸ್ಕರಿಗೆ ಅವರ ಪೋಷಕರು ಅಥವಾ ಕಾನೂನು ಪಾಲಕರು ಸಹ ತೆರೆಯಬಹುದು	ಎಲ್ಲಾ ನಿವಾಸಿ ಭಾರತೀಯರು ಮತ್ತು ಹಿಂದೂ ಅವಿಭಜಿತ ಕುಟುಂಬಗಳು (HUFs) ಸ್ಥಿರ ಠೇವಣಿ ಖಾತೆಯನ್ನು ತೆರೆಯಲು ಅರ್ಹರಾಗಿರುತ್ತಾರೆ
ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳು	ಈ ಯೋಜನೆಯಲ್ಲಿ ಯಾವುದೇ ತೆರಿಗೆ ಪ್ರಯೋಜನವನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ	ಸ್ಥಿರ ಠೇವಣಿಗೆ, ಅಡಿಯಲ್ಲಿ ತೆರಿಗೆ ವಿನಾಯಿತಿವಿಭಾಗ 80 ಸಿ ನಆದಾಯ ತೆರಿಗೆ ಕಾಯಿದೆ 1961 ಅನ್ವಯಿಸುತ್ತದೆ. ಇದು 5 ವರ್ಷಗಳ ಮೇಲಿನ ಠೇವಣಿಗಳಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ (ಪ್ರಸ್ತುತ ಕಾನೂನುಗಳ ಪ್ರಕಾರ)
ರಿಟರ್ನ್ ದರ	ಬಡ್ಡಿ ದರವು FD ಯಂತೆಯೇ ಇರುತ್ತದೆ ಆದರೆ ಸಾಮಾನ್ಯವಾಗಿ, ಅಧಿಕಾರಾವಧಿ ಮತ್ತು ಮಾಸಿಕ ಹೂಡಿಕೆಯ ಮೊತ್ತವನ್ನು ಅವಲಂಬಿಸಿರುತ್ತದೆ	ಬಡ್ಡಿ ದರವು RD ಯಂತೆಯೇ ಇರುತ್ತದೆ ಆದರೆ ಅವಲಂಬಿಸಿರುತ್ತದೆಬಂಡವಾಳ ಮತ್ತು ಅಧಿಕಾರಾವಧಿಯನ್ನು ಆಯ್ಕೆಮಾಡಲಾಗಿದೆ
ಹೆಚ್ಚುವರಿ ಪ್ರಯೋಜನಗಳು	ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕುಗಳು ಠೇವಣಿ ಮೌಲ್ಯದ 90% ವರೆಗೆ ಸಾಲವನ್ನು ನೀಡುತ್ತವೆ	ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕುಗಳು ಠೇವಣಿ ಮೌಲ್ಯದ 70% - 90% ವರೆಗೆ ಸಾಲವನ್ನು ನೀಡುತ್ತವೆ.
ಹಿಂಪಡೆಯುವಿಕೆಗಳು	ಕೆಲವು ಸಂದರ್ಭಗಳಲ್ಲಿ, ಪೆನಾಲ್ಟಿ ಇಲ್ಲದೆ ಅಕಾಲಿಕ ವಾಪಸಾತಿಯನ್ನು ಅನುಮತಿಸಲಾಗುತ್ತದೆ. ಕೆಲವು ಬ್ಯಾಂಕುಗಳು ದಂಡವನ್ನು ವಿಧಿಸಬಹುದು	ಅಕಾಲಿಕ ವಾಪಸಾತಿಯನ್ನು ಪೆನಾಲ್ಟಿಯೊಂದಿಗೆ ಅನುಮತಿಸಲಾಗಿದೆ
ಆದಾಯ ಆಸಕ್ತಿ	RD ಯಲ್ಲಿ ಗಳಿಸಿದ ಬಡ್ಡಿಯು ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ ಮತ್ತು ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕುಗಳು TDS ಅನ್ನು ಕಡಿತಗೊಳಿಸುತ್ತವೆ	ಎಫ್‌ಡಿಯಲ್ಲಿ ಗಳಿಸಿದ ಬಡ್ಡಿಗೆ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕ್‌ಗಳು ಟಿಡಿಎಸ್ ಕಡಿತಗೊಳಿಸುತ್ತವೆ

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ಮರುಕಳಿಸುವ ಠೇವಣಿ VS ಸ್ಥಿರ ಠೇವಣಿ: ಎಲ್ಲಿ ಹೆಚ್ಚು ಗಳಿಸಬೇಕು?

ಆರ್‌ಡಿ ಮತ್ತು ಎಫ್‌ಡಿ ಎರಡೂ ಅಪಾಯ-ವಿರೋಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಸೂಕ್ತವಾಗಿರುವುದರಿಂದ, ಅಂತಿಮ ಆಯ್ಕೆಯು ಒಬ್ಬರ ಅಗತ್ಯಗಳನ್ನು ಅವಲಂಬಿಸಿರುತ್ತದೆ. FD ಖಾತೆಯಲ್ಲಿ, ಠೇವಣಿ ಮಾಡಿದ ಆರಂಭಿಕ ಒಟ್ಟು ಮೊತ್ತದ ಮೇಲೆ ಬಡ್ಡಿಯನ್ನು ಸೇರಿಸಲಾಗುತ್ತದೆ. ಠೇವಣಿ ಮಾಡಿದ ಸಂಪೂರ್ಣ ಮೊತ್ತವು ಒಂದು ವರ್ಷದವರೆಗೆ ಬಡ್ಡಿಯನ್ನು ಪಡೆಯುತ್ತದೆ. ಆದಾಗ್ಯೂ, RD ನಲ್ಲಿ, 1 ನೇ ಠೇವಣಿ ಮಾತ್ರ ಮೊದಲ ವರ್ಷಕ್ಕೆ ಬಡ್ಡಿಯನ್ನು ಗಳಿಸುತ್ತದೆ, ಅಂದರೆ 12 ತಿಂಗಳುಗಳು. ಎರಡನೇ ಠೇವಣಿಯು 11 ತಿಂಗಳವರೆಗೆ ಬಡ್ಡಿಯನ್ನು ಗಳಿಸುತ್ತದೆ, ಮೂರನೆಯದು 10 ತಿಂಗಳುಗಳು, ಇತ್ಯಾದಿ. ಸಂಯೋಜಿತ ಪರಿಣಾಮವು ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸಲು ಸ್ಥಿರ ಠೇವಣಿಗಳನ್ನು ಸಕ್ರಿಯಗೊಳಿಸುತ್ತದೆ.

ಸಮಯಕ್ಕೆ ಸರಿಯಾಗಿ, ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್‌ನೊಂದಿಗೆ ಹೆಚ್ಚು ಹಣವನ್ನು ಗಳಿಸಬಹುದು (ಉದಾಹರಣೆಗೆ ಕೆಳಗೆ ವಿವರಿಸಲಾಗಿದೆ), ಆದರೆ ಇದು ಮಾಸಿಕ ಸಣ್ಣ ಮೊತ್ತವನ್ನು ಠೇವಣಿ ಮಾಡಲು ಸಾಧ್ಯವಾಗುವ ವಿಷಯದಲ್ಲಿ ಮರುಕಳಿಸುವ ಠೇವಣಿ ಖಾತೆಯ ನಮ್ಯತೆಯನ್ನು ಹೊಂದಿಲ್ಲ. ಆದ್ದರಿಂದ, ಹೂಡಿಕೆ ಮಾಡಲು ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಹೊಂದಿಲ್ಲದವರು ಮಾಸಿಕ ಹೂಡಿಕೆಗೆ ಆದ್ಯತೆ ನೀಡಬಹುದು.

ಉತ್ತಮ ತಿಳುವಳಿಕೆಗಾಗಿ, ನಾವು ಎರಡೂ ಯೋಜನೆಗಳಲ್ಲಿನ ವ್ಯತ್ಯಾಸವನ್ನು ವಿವರಿಸಿದ್ದೇವೆ. ಆದ್ದರಿಂದ ಬಳಕೆದಾರರು ಸ್ಪಷ್ಟವಾಗಿ ಅರ್ಥಮಾಡಿಕೊಳ್ಳಬಹುದು ಮತ್ತು ಉತ್ತಮವಾಗಿ ಆಯ್ಕೆ ಮಾಡಬಹುದು.

ವಿವರಣೆ:

ನೀವು ಹೂಡಿಕೆ ಮಾಡುತ್ತೀರಿ ಎಂದು ಭಾವಿಸೋಣINR 1000 (ಒಂದು ವರ್ಷಕ್ಕೆ ಮಾಸಿಕ) ಮರುಕಳಿಸುವ ಠೇವಣಿಯಲ್ಲಿ ಮತ್ತು ನೀವು ಒಟ್ಟು ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಿದ್ದೀರಿINR 12,000 ವರ್ಷದ ಆರಂಭದಲ್ಲಿ ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್‌ನಲ್ಲಿ. ಈ ಎರಡೂ ಉತ್ಪನ್ನಗಳು ನಿಮಗೆ ತ್ರೈಮಾಸಿಕ ಸಂಯೋಜಿತ 9 ಪ್ರತಿಶತ ಬಡ್ಡಿಯನ್ನು ನೀಡುತ್ತವೆ. ಆದ್ದರಿಂದ, ದಿಗಳಿಕೆ ಈ ಎರಡು ಯೋಜನೆಗಳಿಂದ ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ-

ವಿವರಗಳು	ಮರುಕಳಿಸುವ ಠೇವಣಿ (RD)	ಸ್ಥಿರ ಠೇವಣಿ (FD)
ಹೂಡಿಕೆ ಮಾಡಿದ ಮೊತ್ತ	INR 5,000 (ಮಾಸಿಕ)	INR 60,000 (ಒಟ್ಟು ಮೊತ್ತ)
ಅಧಿಕಾರಾವಧಿ	12 ತಿಂಗಳುಗಳು	12 ತಿಂಗಳುಗಳು
ವಾರ್ಷಿಕ ಬಡ್ಡಿ ದರಗಳು	6%	6%
ಗಳಿಸಿದ ಒಟ್ಟು ಮೊತ್ತ	INR 61,986	INR 63,701
ನಿವ್ವಳ ಲಾಭ	INR 1,986	INR 3,701

ಈಗ ನೀವು RD ಮತ್ತು FD ನಡುವಿನ ಪ್ರಮುಖ ವ್ಯತ್ಯಾಸವನ್ನು ತಿಳಿದಾಗ, ನೀವು ಒಂದನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದು ಮತ್ತು ಬುದ್ಧಿವಂತಿಕೆಯಿಂದ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. RD ಗೆ ಹೋಲಿಸಿದರೆ FD ಉತ್ತಮ ಬೆಳವಣಿಗೆಯನ್ನು ನೀಡುತ್ತದೆಯಾದರೂ, ಹೆಚ್ಚಿನ ಸಮಯ, ನಿಮ್ಮ ಎಲ್ಲಾ ಅಗತ್ಯಗಳನ್ನು ಪೂರೈಸಲು ಒಂದೇ ಸಾಧನವು ಕಾರ್ಯಸಾಧ್ಯವಲ್ಲ. ಆದ್ದರಿಂದ, ನೀವು ಹೂಡಿಕೆ ಮಾಡಲು ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಹೊಂದಿಲ್ಲದಿದ್ದರೆ, ನೀವು ಪ್ರತಿ ತಿಂಗಳು ನಿಮ್ಮ ಆದಾಯದಿಂದ ಸಣ್ಣ ಮೊತ್ತವನ್ನು ಉಳಿಸಬಹುದು ಮತ್ತು ಮರುಕಳಿಸುವ ಠೇವಣಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು!

ಇತರ ಪರ್ಯಾಯಗಳು

ಲಿಕ್ವಿಡ್ / ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಡೆಟ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

1. 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% (top quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (top quartile).
Average maturity: 0.23 yrs (top quartile).
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
30 Nov 20	₹10,000
30 Nov 21	₹10,403
30 Nov 22	₹10,847

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 28 Jul 23

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

2. 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 (₹13,326 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.83% (lower mid).
1M return: 0.41% (upper mid).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.71% (top quartile).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.61 yrs (bottom quartile).
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 National Bank For Agriculture And Rural Development (~3.6%).

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 (22 Dec 25)	₹4,141.83 ↑ 1.65 (0.04 %)
Net Assets (Cr)	₹13,326 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.71%
Effective Maturity	7 Months 9 Days
Modified Duration	5 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,780
30 Nov 22	₹11,256
30 Nov 23	₹12,008
30 Nov 24	₹12,870
30 Nov 25	₹13,762

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	6.8%
3 Year	6.9%
5 Year	6.6%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.18 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Akshay Sharma	1 Dec 22	3 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	47.41%
Debt	52.39%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	49.88%
Cash Equivalent	31.25%
Government	18.67%

Credit Quality

Rating	Value
AA	24.82%
AAA	75.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹486 Cr	48,500
India (Republic of) - \| -	2%	₹296 Cr	30,000,000
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	2%	₹250 Cr	2,500
Treasury Bills Sovereign Bonds \| -	2%	₹246 Cr	25,000,000 ↑ 15,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹226 Cr	22,500
India (Republic of) - \| -	2%	₹211 Cr	21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹201 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹201 Cr	2,000

3. 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 (₹24,129 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.41% (top quartile).
1M return: 0.40% (bottom quartile).
Sharpe: 3.69 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.5%).

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 (22 Dec 25)	₹565.17 ↑ 0.23 (0.04 %)
Net Assets (Cr)	₹24,129 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.69
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,392
30 Nov 22	₹10,859
30 Nov 23	₹11,636
30 Nov 24	₹12,535
30 Nov 25	₹13,491

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.2%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.46 Yr.
Kaustubh Gupta	15 Jul 11	14.39 Yr.
Monika Gandhi	22 Mar 21	4.7 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	48.92%
Debt	50.85%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	49.49%
Cash Equivalent	33.01%
Government	17.27%

Credit Quality

Rating	Value
AA	28.14%
AAA	71.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹613 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹547 Cr	54,000 ↑ 31,500
Nirma Limited Debentures \| -	2%	₹486 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	1%	₹352 Cr	35,000
Bharti Telecom Limited Debentures \| -	1%	₹350 Cr	35,000 ↑ 35,000
Mankind Pharma Limited Debentures \| -	1%	₹347 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹304 Cr	30,000 ↑ 15,000
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹297 Cr	30,000

4. 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★ (upper mid).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper mid).
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
30 Nov 20	₹10,000
30 Nov 21	₹10,335
30 Nov 22	₹10,812

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 28 Jul 23

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

5. 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 (₹19,738 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.13% (top quartile).
1M return: 0.41% (upper mid).
Sharpe: 3.17 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.55% (upper mid).
Modified duration: 0.37 yrs (upper mid).
Average maturity: 0.49 yrs (upper mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~60%).
High-quality debt (AAA/AA ~95%).
Largest holding National Bank For Agriculture And Rural Development (~3.4%).

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 (22 Dec 25)	₹28.5213 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹19,738 on 30 Nov 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	3.17
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	6.55%
Effective Maturity	5 Months 26 Days
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,401
30 Nov 22	₹10,849
30 Nov 23	₹11,599
30 Nov 24	₹12,460
30 Nov 25	₹13,360

ICICI Prudential 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 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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.1%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.05 Yr.
Ritesh Lunawat	15 Jun 17	8.47 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	60.04%
Debt	39.73%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	48.02%
Cash Equivalent	38.64%
Government	13.1%

Credit Quality

Rating	Value
AA	16.09%
AAA	79.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹662 Cr	66,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	3%	₹632 Cr	62,685,100 ↓ -107,200
364 DTB 15012026 Sovereign Bonds \| -	3%	₹498 Cr	50,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹461 Cr	450
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹375 Cr	3,750
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹277 Cr	27,500
Power Finance Corporation Limited Debentures \| -	1%	₹230 Cr	2,300
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

6. 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 (₹4,788 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.69% (bottom quartile).
1M return: 0.40% (bottom quartile).
Sharpe: 1.99 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.53% (lower mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~55%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.2%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (22 Dec 25)	₹4,355.08 ↑ 2.02 (0.05 %)
Net Assets (Cr)	₹4,788 on 30 Nov 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.99
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.53%
Effective Maturity	6 Months 2 Days
Modified Duration	5 Months 9 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,620
30 Nov 22	₹11,037
30 Nov 23	₹11,780
30 Nov 24	₹12,625
30 Nov 25	₹13,481

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.8%
1 Year	6.7%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.06 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	54.9%
Debt	44.83%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.81%
Cash Equivalent	28.97%
Government	13.95%

Credit Quality

Rating	Value
AA	17.25%
AAA	82.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹201 Cr	20,000
India (Republic of) - \| -	4%	₹196 Cr	2,000,000,000 ↑ 2,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹101 Cr	10,000
TATA Communications Limited Debentures \| -	2%	₹101 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹100 Cr	1,000
DBS Bank India Ltd. Debentures \| -	2%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹75 Cr	750
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹75 Cr	750

7. 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 (₹16,787 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.85% (upper mid).
1M return: 0.40% (lower mid).
Sharpe: 2.15 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
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 (22 Dec 25)	₹44.0831 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹16,787 on 30 Nov 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	2.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.51%
Effective Maturity	6 Months 4 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,319
30 Nov 22	₹10,751
30 Nov 23	₹11,483
30 Nov 24	₹12,311
30 Nov 25	₹13,165

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	6.8%
3 Year	7%
5 Year	5.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%
2015	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.64 Yr.
Manu Sharma	1 Nov 22	3.08 Yr.

Data below for Kotak Savings Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	56.31%
Debt	43.42%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	47.08%
Cash Equivalent	31.48%
Government	21.17%

Credit Quality

Rating	Value
AA	11.72%
AAA	88.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹644 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹581 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹571 Cr	57,000
Rec Limited Debentures \| -	3%	₹476 Cr	47,500
India (Republic of) - \| -	2%	₹318 Cr	32,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹306 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹302 Cr	30,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	1%	₹244 Cr	25,000,000
Bank of Baroda Debentures \| -	1%	₹243 Cr	25,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000

8. DSP Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP Money Manager Fund

Lower mid AUM (₹4,250 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.74% (lower mid).
1M return: 0.37% (bottom quartile).
Sharpe: 1.72 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Bank of Baroda (~4.7%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (22 Dec 25)	₹3,496.97 ↑ 1.44 (0.04 %)
Net Assets (Cr)	₹4,250 on 30 Nov 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	1.72
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,285
30 Nov 22	₹10,677
30 Nov 23	₹11,391
30 Nov 24	₹12,179
30 Nov 25	₹13,011

DSP Money Manager 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 DSP Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.7%
1 Year	6.7%
3 Year	6.8%
5 Year	5.4%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%
2015	7.9%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.51 Yr.
Shalini Vasanta	1 Jan 25	0.91 Yr.

Data below for DSP Money Manager Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	48.8%
Debt	50.82%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	63.38%
Cash Equivalent	25.64%
Government	10.59%

Credit Quality

Rating	Value
AA	17.88%
AAA	82.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	5%	₹198 Cr	4,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	4%	₹155 Cr	15,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹155 Cr	15,000
Godrej Properties Limited Debentures \| -	3%	₹130 Cr	12,500
Aadhar Housing Finance Limited Debentures \| -	2%	₹102 Cr	9,700
Piramal Finance Limited Debentures \| -	2%	₹102 Cr	10,000
Rec Limited Debentures \| -	2%	₹78 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	2%	₹77 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500
Small Industries Development Bank Of India Debentures \| -	2%	₹77 Cr	7,500

9. 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 (₹1,607 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.89% (upper mid).
1M return: 0.40% (lower mid).
Sharpe: 2.64 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.46 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~64%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.2%).

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 (22 Dec 25)	₹2,772.17 ↑ 1.26 (0.05 %)
Net Assets (Cr)	₹1,607 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	5 Months 15 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,301
30 Nov 22	₹10,695
30 Nov 23	₹11,403
30 Nov 24	₹12,249
30 Nov 25	₹13,102

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	6.9%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.91 Yr.
Vikas Garg	27 Jul 21	4.35 Yr.

Data below for Invesco India Ultra Short Term Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	64.34%
Debt	35.41%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	53.55%
Cash Equivalent	24.68%
Government	21.52%

Credit Quality

Rating	Value
AA	15.09%
AAA	84.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹99 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹50 Cr	5,000,000
India (Republic of) - \| -	3%	₹50 Cr	5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	2%	₹40 Cr	4,000,000
Sundaram Home Finance Limited Debentures \| -	2%	₹35 Cr	3,500,000
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
07.86 KA Sdl 2027 Sovereign Bonds \| -	2%	₹26 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

10. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹15,565 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.03% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 2.81 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~62%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~4.4%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (22 Dec 25)	₹6,148.46 ↑ 2.83 (0.05 %)
Net Assets (Cr)	₹15,565 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.35%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,336
30 Nov 22	₹10,766
30 Nov 23	₹11,516
30 Nov 24	₹12,372
30 Nov 25	₹13,248

SBI Magnum Ultra Short Duration Fund SIP Returns

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

Returns for SBI Magnum 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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7%
3 Year	7.1%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%
2015	8.3%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.55 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	61.59%
Debt	38.1%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	43.35%
Cash Equivalent	39.95%
Government	16.39%

Credit Quality

Rating	Value
AA	12%
AAA	88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹685 Cr	68,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹546 Cr	54,500
HDFC Bank Ltd. Debentures \| -	3%	₹492 Cr	10,000
Rec Limited Debentures \| -	3%	₹400 Cr	4,000
Ntpc Limited Debentures \| -	2%	₹349 Cr	34,800
Bank of Baroda Debentures \| -	2%	₹297 Cr	6,000
Canara Bank Domestic Bonds \| -	2%	₹296 Cr	6,000 ↑ 1,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹257 Cr	255
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000
IDFC First Bank Ltd. Debentures \| -	2%	₹247 Cr	5,000

Disclaimer:
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.