ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು V/s ಸ್ಥಿರ ಠೇವಣಿಗಳು

Updated on February 16, 2026 , 10552 views

ನೀವು ಗೊಂದಲಕ್ಕೊಳಗಾಗಿದ್ದೀರಾಎಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಅಲ್ಪಾವಧಿಗೆ ಹಣ? ಅಲ್ಟ್ರಾ ನಡುವೆ ಆಯ್ಕೆಮಾಡುವಾಗ ನೀವು ಗೊಂದಲಕ್ಕೊಳಗಾಗುತ್ತೀರಾ?ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿ? ಚಿಂತಿಸಬೇಡಿ, ನಿಮ್ಮ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿ ಉತ್ತರಿಸಲಾಗುವುದು. ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು aಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಸ್ಥಿರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ವರ್ಗಆದಾಯ ಕಡಿಮೆ ಪಕ್ವತೆಯ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಉಪಕರಣಗಳು. ಸ್ಥಿರ ಠೇವಣಿ ಅಥವಾFD ಮತ್ತೊಂದೆಡೆ, ಹೂಡಿಕೆಯ ಮಾರ್ಗವಾಗಿದೆ, ಇದರಲ್ಲಿ ಜನರು ನಿರ್ದಿಷ್ಟ ಮೊತ್ತದ ಹಣವನ್ನು ನಿರ್ದಿಷ್ಟ ಸಮಯದ ಚೌಕಟ್ಟಿಗೆ ಠೇವಣಿ ಮಾಡುತ್ತಾರೆ ಮತ್ತು ಅದನ್ನು ಬಡ್ಡಿಯೊಂದಿಗೆ ಮುಕ್ತಾಯದ ನಂತರ ಹಿಂತಿರುಗಿಸುತ್ತಾರೆ. ಆದ್ದರಿಂದ, ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳು ಮತ್ತು ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್‌ಗಳಲ್ಲಿ ಯಾವುದನ್ನು ಹೂಡಿಕೆ ಮಾಡುವುದು ಉತ್ತಮ ಎಂದು ನೋಡೋಣ.

ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಯಾವುವು?

ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಒಂದು ವಿಧವಾಗಿದೆಸಾಲ ನಿಧಿ. ಈ ಯೋಜನೆಯು ಅದರ ಕಾರ್ಪಸ್ ಅನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಸ್ಥಿರ ಆದಾಯ ವಾದ್ಯಗಳ ಪರಿಪಕ್ವತೆಯ ಅವಧಿಯು ಸಾಮಾನ್ಯವಾಗಿ ನಡುವೆ ಇರುತ್ತದೆ91 ದಿನಗಳಿಂದ 1 ವರ್ಷ. ಈ ಯೋಜನೆಯನ್ನು ಮೇಲಿನ ಹಂತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆದ್ರವ ನಿಧಿಗಳು ಮತ್ತು ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನ ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳಲು ಸಿದ್ಧರಿರುವ ಜನರು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಯ್ಕೆ ಮಾಡಬಹುದು.

ಸ್ಥಿರ ಠೇವಣಿಗಳೇನು?

ನಿಶ್ಚಿತ ಠೇವಣಿ ಅಥವಾ ಎಫ್‌ಡಿ ಹೂಡಿಕೆಯ ಸಾಂಪ್ರದಾಯಿಕ ಮೂಲವಾಗಿದ್ದು, ಜನರು ನಿರ್ದಿಷ್ಟ ಅವಧಿಗೆ ನಿರ್ದಿಷ್ಟ ಮೊತ್ತದ ಹಣವನ್ನು ಠೇವಣಿ ಇಡಬೇಕಾಗುತ್ತದೆ. ಹೂಡಿಕೆ ಮಾಡಿದ ಈ ಹಣವು ಬಡ್ಡಿಯನ್ನು ಗಳಿಸುತ್ತದೆ. ಇದು ಅಲ್ಪಾವಧಿಯ ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಅವಧಿಗೆ ಉತ್ತಮ ಹೂಡಿಕೆ ಮಾರ್ಗವನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದು. FD ಮೇಲಿನ ಬಡ್ಡಿ ದರವು ಪೂರ್ವನಿರ್ಧರಿತವಾಗಿದೆ ಮತ್ತು ಅದರ ಆದಾಯವು ಹೂಡಿಕೆದಾರರ ಕೈಯಲ್ಲಿ ತೆರಿಗೆಗೆ ಒಳಪಟ್ಟಿರುತ್ತದೆ.

ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಅಥವಾ ಸ್ಥಿರ ಠೇವಣಿ: ಯಾವುದು ಉತ್ತಮ?

ಎರಡೂ ಹೂಡಿಕೆ ಮಾರ್ಗಗಳು ತಮ್ಮದೇ ಆದ ಗುಣಲಕ್ಷಣಗಳನ್ನು ಮತ್ತು ವೈಶಿಷ್ಟ್ಯಗಳನ್ನು ಹೊಂದಿರುವುದರಿಂದ, ವಿವಿಧ ನಿಯತಾಂಕಗಳ ಆಧಾರದ ಮೇಲೆ ಯಾವ ಹೂಡಿಕೆ ಮಾರ್ಗವು ಉತ್ತಮವಾಗಿದೆ ಎಂಬುದನ್ನು ಪರಿಶೀಲಿಸೋಣ.

ಕನಿಷ್ಠ ಹೂಡಿಕೆ

ಸ್ಥಿರ ಠೇವಣಿಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಕನಿಷ್ಠ ಹೂಡಿಕೆಯು ಇದರ ನಡುವೆ ಇರುತ್ತದೆ₹1,000-₹10,000 ಅವಲಂಬಿಸಿಬ್ಯಾಂಕ್. ಆದಾಗ್ಯೂ, ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳ ಸಂದರ್ಭದಲ್ಲಿ, ಕನಿಷ್ಠ ಹೂಡಿಕೆಮೂಲಕ ₹500SIP ಹೂಡಿಕೆಯ ವಿಧಾನ ಮತ್ತುಹೂಡಿಕೆಯ ಒಟ್ಟು ವಿಧಾನದ ಮೂಲಕ ₹1,000.

ಬಡ್ಡಿ ದರ

ಬಡ್ಡಿ ದರಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ, ಎಫ್‌ಡಿಗಳು ಪೂರ್ವನಿರ್ಧರಿತ ಬಡ್ಡಿ ದರವನ್ನು ಹೊಂದಿದ್ದು ಅದು ನಿಗದಿತ ಸಮಯದೊಂದಿಗೆ ಬದಲಾಗುವುದಿಲ್ಲ. ಆದಾಗ್ಯೂ, ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳ ಸಂದರ್ಭದಲ್ಲಿ, ಯೋಜನೆಯ ಕಾರ್ಯಕ್ಷಮತೆಯನ್ನು ಅವಲಂಬಿಸಿ ಆದಾಯಗಳು ಬದಲಾಗುತ್ತವೆ. ಪ್ರಸ್ತುತ, FY 2017-18 ರ ಪ್ರಕಾರ, FD ದರಗಳುಶ್ರೇಣಿ ಹೂಡಿಕೆಯನ್ನು ಒಂದು ವರ್ಷದವರೆಗೆ ಇಟ್ಟುಕೊಂಡರೆ ಸರಿಸುಮಾರು 6%-7% ನಡುವೆ. ಆದಾಗ್ಯೂ, ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳ ಸಂದರ್ಭದಲ್ಲಿ, ಹೂಡಿಕೆಯನ್ನು ಒಂದು ವರ್ಷದವರೆಗೆ ಹಿಡಿದಿಟ್ಟುಕೊಂಡರೆ ಆದಾಯವು ಸರಿಸುಮಾರು 7% ಕ್ಕಿಂತ ಹೆಚ್ಚು ಇರುತ್ತದೆ.

Ready to Invest?
Talk to our investment specialist

ಅಧಿಕಾರಾವಧಿ

ಎಫ್‌ಡಿಗಳನ್ನು ಅಲ್ಪಾವಧಿಯ ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಅವಧಿಗೆ ಹೂಡಿಕೆಯಾಗಿ ಬಳಸಬಹುದು. ಏಕೆಂದರೆ ಇದನ್ನು ಸಾಂಪ್ರದಾಯಿಕ ಹೂಡಿಕೆ ಮಾರ್ಗವೆಂದು ಪರಿಗಣಿಸಲಾಗಿದೆ. ಇದಕ್ಕೆ ವಿರುದ್ಧವಾಗಿ,ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ ನಿಧಿ ಸಾಮಾನ್ಯವಾಗಿ, ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆಯ ಅವಧಿಗೆ ಬಳಸಲಾಗುತ್ತದೆ. ಹೆಚ್ಚಿನ ಹಣವನ್ನು ಹೊಂದಿರುವ ಜನರುಉಳಿತಾಯ ಖಾತೆ ಹೆಚ್ಚು ಗಳಿಸಲು ಈ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಯ್ಕೆ ಮಾಡಬಹುದು. ಹೂಡಿಕೆಯ ಅವಧಿಯಲ್ಲಿ, ಜನರು ತಮ್ಮ ಹಣವನ್ನು ಸ್ಥಿರ ಠೇವಣಿಯಿಂದ ಹಿಂಪಡೆಯಲು ಸಾಧ್ಯವಿಲ್ಲ. ಅವರು ಹಿಂತೆಗೆದುಕೊಳ್ಳಬೇಕಾದರೂ ಸಹ, ಅವರು ಬ್ಯಾಂಕಿಗೆ ಕೆಲವು ನಿಶ್ಚಿತ ಶುಲ್ಕಗಳನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಮತ್ತೊಂದೆಡೆ, ಜನರುಹೂಡಿಕೆ ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ಅವರ ಹಣವು ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಸುಲಭವಾಗಿ ತಮ್ಮ ಹಣವನ್ನು ಹಿಂಪಡೆಯಬಹುದು. ಅನೇಕ ಯೋಜನೆಗಳಲ್ಲಿ, ಹೂಡಿಕೆದಾರರು ಸಮಯದಲ್ಲಿ ಯಾವುದೇ ನಿರ್ಗಮನ ಲೋಡ್ ಅನ್ನು ಪಾವತಿಸಬೇಕಾಗಿಲ್ಲವಿಮೋಚನೆ.

ಅಪಾಯ - ಹಸಿವು

FD ಗಳನ್ನು ಅಪಾಯ-ಮುಕ್ತ ಹೂಡಿಕೆ ಮಾರ್ಗವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ; ಠೇವಣಿಗಳನ್ನು ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಇದಕ್ಕೆ ವಿರುದ್ಧವಾಗಿ, ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಯ್ಕೆಮಾಡುವ ಜನರು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ.

ದ್ರವ್ಯತೆ

ದಿದ್ರವ್ಯತೆ ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಹೆಚ್ಚು. ಸ್ಥಿರ ಠೇವಣಿಗೆ ಹೋಲಿಸಿದರೆ ಈ ಯೋಜನೆಗಳಿಂದ ಹಣವನ್ನು ಹಿಂಪಡೆಯುವುದು ತುಲನಾತ್ಮಕವಾಗಿ ಸುಲಭವಾಗಿದೆ.

ತೆರಿಗೆ

ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳೆರಡಕ್ಕೂ ತೆರಿಗೆ ನಿಯಮಗಳು ವಿಭಿನ್ನವಾಗಿವೆ. ನಿಶ್ಚಿತ ಠೇವಣಿಯ ಮೇಲೆ ಗಳಿಸಿದ ಬಡ್ಡಿಯ ಸಂದರ್ಭದಲ್ಲಿ, ಹಣವನ್ನು ಸೇರಿಸಲಾಗುತ್ತದೆಹೂಡಿಕೆದಾರಆದಾಯ ಮತ್ತು ವ್ಯಕ್ತಿಯ ನಿಯಮಿತ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ. ಆದಾಗ್ಯೂ, ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಯ ಸಂದರ್ಭದಲ್ಲಿ ಗಳಿಸಿದ ಆದಾಯವು ಸಾಲ ನಿಧಿಗಳ ಪ್ರಕಾರ ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ. ನಿಯಮದ ಪ್ರಕಾರ, ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ ನಿಧಿಯಲ್ಲಿ ಹೂಡಿಕೆಯನ್ನು ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು ಕಾಲ ಇರಿಸಿದರೆ, ದೀರ್ಘಾವಧಿಬಂಡವಾಳ ಲಾಭಗಳು ಅನ್ವಯಿಸುತ್ತವೆ ಆದರೆ ಅಧಿಕಾರಾವಧಿಯು ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಕಡಿಮೆಯಿದ್ದರೆ, ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು ಅನ್ವಯಿಸುತ್ತವೆ. ದೀರ್ಘಾವಧಿಯ ಸಂದರ್ಭದಲ್ಲಿಬಂಡವಾಳ ಲಾಭ, ಇದು ಇಂಡೆಕ್ಸೇಶನ್ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ 20% ನಲ್ಲಿ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳಿಗಾಗಿ, ಆದಾಯಕ್ಕೆ ಸೇರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ವ್ಯಕ್ತಿಯ ಸ್ಲ್ಯಾಬ್ ದರದ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.

ಕೆಳಗೆ ನೀಡಲಾದ ಕೋಷ್ಟಕವು ಅಲ್ಟ್ರಾ ಶಾರ್ಟ್ ಟರ್ಮ್ ಫಂಡ್‌ಗಳು ಮತ್ತು ಸ್ಥಿರ ಠೇವಣಿಗಳ ನಡುವಿನ ಹೋಲಿಕೆಯನ್ನು ಸಾರಾಂಶಗೊಳಿಸುತ್ತದೆ.

ನಿಯತಾಂಕಗಳು	ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು	ಸ್ಥಿರ ಠೇವಣಿ
ಹಿಂತಿರುಗಿಸುತ್ತದೆ	ಯೋಜನೆಯ ಕಾರ್ಯಕ್ಷಮತೆಗೆ ಅನುಗುಣವಾಗಿ ಬದಲಾಗುತ್ತದೆ	ಪೂರ್ವನಿರ್ಧರಿತ
ಕನಿಷ್ಠ ಹೂಡಿಕೆ	SIP ನಲ್ಲಿ ₹500 ಮತ್ತು ಲುಂಪ್‌ಸಮ್‌ನಲ್ಲಿ ₹1,000 ದಿಂದ ಪ್ರಾರಂಭವಾಗುತ್ತದೆ	₹ 1,000- ₹ 10,000 ರ ನಡುವೆ ಇರುತ್ತದೆ
ಅಧಿಕಾರಾವಧಿ	ಸಾಮಾನ್ಯವಾಗಿ ಅಲ್ಪಾವಧಿಗೆ ಬಳಸಲಾಗುತ್ತದೆ	ಅಲ್ಪಾವಧಿ ಮತ್ತು ದೀರ್ಘಾವಧಿ ಎರಡೂ ಅವಧಿ
ಅಪಾಯ	ಸ್ವಲ್ಪ ಹೆಚ್ಚು	ಕಡಿಮೆ
ದ್ರವ್ಯತೆ	ಹೆಚ್ಚು	ಕಡಿಮೆ
ತೆರಿಗೆ	ಅಲ್ಪಾವಧಿ: ವ್ಯಕ್ತಿಯ ಸ್ಲ್ಯಾಬ್ ದರಗಳ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆದೀರ್ಘಕಾಲದ: 20% ತೆರಿಗೆ ಮತ್ತು ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳನ್ನು ಹೊಂದಿತ್ತು	ವ್ಯಕ್ತಿಯ ಸ್ಲ್ಯಾಬ್ ದರಗಳ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ

10 ಅತ್ಯುತ್ತಮ ಪ್ರದರ್ಶನ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು

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% (bottom 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
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 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. 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 (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.88% (top quartile).
1M return: 0.60% (top quartile).
Sharpe: 2.94 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.82% (top quartile).
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 28 Jul 23

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

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 (₹23,615 Cr).
Established history (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 (upper mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.53 yrs (upper 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 28 Jul 23

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

4. 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 (₹3,655 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.43% (lower mid).
1M return: 0.58% (lower mid).
Sharpe: 1.85 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.57 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 (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 28 Jul 23

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

5. 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

Bottom quartile 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 (upper mid).
Yield to maturity (debt): 6.74% (upper mid).
Modified duration: 0.42 yrs (top quartile).
Average maturity: 0.45 yrs (top quartile).
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 28 Jul 23

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

6. 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 (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.66% (upper mid).
1M return: 0.59% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
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 (18 Feb 26)	₹44.4766 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹14,243 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 26 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 28 Jul 23

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	6.7%
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 Dec 25

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

7. 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

Lower mid AUM (₹1,234 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.54% (upper mid).
1M return: 0.57% (lower mid).
Sharpe: 2.41 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (lower mid).
Modified duration: 0.46 yrs (lower mid).
Average maturity: 0.48 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 (18 Feb 26)	₹2,795.48 ↓ -0.18 (-0.01 %)
Net Assets (Cr)	₹1,234 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.57%
Effective Maturity	5 Months 24 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	₹10,317
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 28 Jul 23

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.7%
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 Dec 25

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

8. 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 (₹14,639 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.77% (upper mid).
1M return: 0.58% (upper mid).
Sharpe: 2.90 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Gs 2026 (~6.3%).

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 (18 Feb 26)	₹6,203.48 ↑ 0.43 (0.01 %)
Net Assets (Cr)	₹14,639 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	5 Months 23 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	₹10,355
31 Jan 23	₹10,838
31 Jan 24	₹11,602
31 Jan 25	₹12,457
31 Jan 26	₹13,296

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	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	6.8%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.72 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	73.4%
Debt	29.82%
Other	0.34%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.52%
Corporate	39.77%
Government	4.37%

Credit Quality

Rating	Value
AA	21.49%
AAA	78.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Gs 2026 Sovereign Bonds \| -	6%	₹880 Cr	88,000,000 ↑ 19,500,000
Small Industries Development Bank of India Debentures \| -	4%	₹562 Cr	12,000
Standard Chartered Bank - \| -	4%	-₹500 Cr
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹390 Cr	39,000 ↓ -15,500
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹327 Cr	7,000 ↑ 7,000
Canara Bank Domestic Bonds \| -	2%	₹299 Cr	6,000
Adani Power Limited Debentures \| -	2%	₹299 Cr	30,000 ↑ 30,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹280 Cr	6,000 ↑ 6,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹253 Cr	255
HSBC Bank PLC Debentures \| -	2%	-₹250 Cr

9. 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

Upper mid AUM (₹3,972 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.42% (lower mid).
1M return: 0.54% (bottom quartile).
Sharpe: 1.58 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (upper mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~51%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.0%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (18 Feb 26)	₹3,523.95 ↓ -0.07 (0.00 %)
Net Assets (Cr)	₹3,972 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	1.58
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
31 Jan 21	₹10,000
31 Jan 22	₹10,306
31 Jan 23	₹10,747
31 Jan 24	₹11,473
31 Jan 25	₹12,266
31 Jan 26	₹13,049

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	0.5%
3 Month	1.2%
6 Month	2.6%
1 Year	6.4%
3 Year	6.7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.67 Yr.
Shalini Vasanta	1 Jan 25	1.08 Yr.

Data below for DSP Money Manager Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	50.56%
Debt	48.98%
Other	0.46%

Debt Sector Allocation

Sector	Value
Corporate	67.98%
Cash Equivalent	20.14%
Government	11.42%

Credit Quality

Rating	Value
AA	19.85%
AAA	80.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹176 Cr	17,000
5.63% Gs 2026 Sovereign Bonds \| -	5%	₹163 Cr	16,000,000 ↓ -1,500,000
Godrej Properties Limited Debentures \| -	4%	₹131 Cr	12,500
Piramal Finance Limited Debentures \| -	3%	₹103 Cr	10,000
Aadhar Housing Finance Limited Debentures \| -	3%	₹103 Cr	9,700
Aditya Birla Renewables Limited Debentures \| -	2%	₹78 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹77 Cr	7,500
National Housing Bank Debentures \| -	1%	₹52 Cr	5,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	1%	₹52 Cr	5,000

10. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Ultra Short Term Fund

Bottom quartile AUM (₹457 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.24% (bottom quartile).
1M return: 0.59% (upper mid).
Sharpe: 1.12 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.54 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~35%).
High-quality debt (AAA/AA ~100%).
Largest holding Goi Floating Rate Bond 2033 (~11.0%).

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund Growth
Launch Date	14 Jul 08
NAV (18 Feb 26)	₹3,929.53 ↓ -0.02 (0.00 %)
Net Assets (Cr)	₹457 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.94
Sharpe Ratio	1.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	6 Months 13 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	₹10,275
31 Jan 23	₹10,703
31 Jan 24	₹11,391
31 Jan 25	₹12,162
31 Jan 26	₹12,908

Canara Robeco 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 Canara Robeco 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	0.6%
3 Month	1.2%
6 Month	2.6%
1 Year	6.2%
3 Year	6.5%
5 Year	5.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	6.8%
2022	6.4%
2021	3.9%
2020	2.6%
2019	4.5%
2018	6.6%
2017	6.1%
2016	5.7%
2015	7.3%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.84 Yr.
Kunal Jain	16 Sep 24	1.38 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	34.96%
Debt	64.67%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	66.13%
Government	25.37%
Cash Equivalent	8.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	11%	₹52 Cr	5,000,000 ↑ 2,500,000
Union Bank of India Domestic Bonds \| -	9%	₹44 Cr	900
Kotak Mahindra Prime Limited Debentures \| -	5%	₹25 Cr	2,500
Rec Limited Debentures \| -	5%	₹25 Cr	2,500
Power Finance Corporation Limited Debentures \| -	5%	₹25 Cr	250
Small Industries Development Bank Of India Debentures \| -	5%	₹25 Cr	2,500
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹24 Cr	2,400
Power Finance Corporation Limited Debentures \| -	4%	₹20 Cr	2,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹20 Cr	2,000

ಹೀಗಾಗಿ, ಮೇಲಿನ-ಕೊಟ್ಟಿರುವ ನಿಯತಾಂಕಗಳಿಂದ, ಸ್ಥಿರ ಠೇವಣಿಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಿದೆ ಎಂದು ನಾವು ತೀರ್ಮಾನಿಸಬಹುದು.

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.