9 മികച്ച പ്രകടനം കാഴ്ചവെക്കുന്ന ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ 2022

Updated on September 29, 2025 , 14381 views

ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ കടത്തിന്റെ 16 സ്കീമുകളിൽ ഒന്നാണ്മ്യൂച്വൽ ഫണ്ട് വിഭാഗം. ഈ ഫണ്ട് കടത്തിലും നിക്ഷേപിക്കുന്നുപണ വിപണി ആറ് മുതൽ 12 മാസം വരെ കാലാവധിയുള്ള സെക്യൂരിറ്റികൾ.

കുറഞ്ഞ കാലയളവിലുള്ള ഫണ്ടുകളെ ഹ്രസ്വകാല നിക്ഷേപമായി കണക്കാക്കുന്നു, നിക്ഷേപത്തിൽ കൂടുതൽ റിസ്ക് ആഗ്രഹിക്കാത്ത നിക്ഷേപകർക്ക് അത് വളരെ അനുയോജ്യമാണ്. കുറഞ്ഞ കാലാവധിയുള്ള ഫണ്ടുകൾക്ക് ലിക്വിഡ്, അൾട്രാ എന്നിവയേക്കാൾ ഉയർന്ന മെച്യൂരിറ്റി ദൈർഘ്യമുണ്ട്ഹ്രസ്വകാല ഫണ്ടുകൾ.

അപകടസാധ്യതയില്ലാത്ത നിക്ഷേപകർക്ക് ഈ സ്കീമിൽ ഹ്രസ്വകാലത്തേക്ക് നിക്ഷേപിക്കുകയും അതിനേക്കാൾ മികച്ച വരുമാനം നേടുകയും ചെയ്യാംബാങ്ക് സേവിംഗ്സ് അക്കൗണ്ട്. ഈ ഫണ്ടുകൾ സാധാരണയായി സ്ഥിരവും സുസ്ഥിരവുമായ വരുമാനം വാഗ്ദാനം ചെയ്യുന്നു. ശരാശരി, ഈ ഫണ്ടുകൾ 6.5-8.5% p.a വരെയുള്ള വരുമാനം നൽകുന്നു. സ്കീമിന്റെ റിട്ടേണും പ്രകടനവും ഫണ്ടുകൾക്കനുസരിച്ച് വ്യത്യാസപ്പെടുന്നു, അങ്ങനെ ഒരു നല്ല ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിന്, 2022 - 2023 കാലയളവിൽ നിക്ഷേപിക്കുന്നതിന് മികച്ച പ്രകടനം കാഴ്ചവയ്ക്കുന്ന ചില കുറഞ്ഞ കാലയളവിലുള്ള ഫണ്ടുകളെ ഞങ്ങൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്.

എന്താണ് കാലയളവ് അടിസ്ഥാനമാക്കിയുള്ള തന്ത്രം?

ദൈർഘ്യം അടിസ്ഥാനമാക്കിയുള്ള തന്ത്രം പിന്തുടരുന്ന ഫണ്ടുകൾ ദീർഘകാലത്തേക്ക് നിക്ഷേപിക്കുന്നുബോണ്ടുകൾ പലിശനിരക്ക് കുറയുന്നതിന്റെ നേട്ടവും. അവർ സമ്പാദിക്കുന്നുമൂലധനം ബോണ്ടിന്റെ കൂപ്പണിനൊപ്പം വിലമതിപ്പ്. പക്ഷേ, ഈ ഫണ്ടുകൾ പലിശ നിരക്ക് അപകടസാധ്യതയ്ക്ക് വിധേയമാകുകയും പലിശ നിരക്ക് ഉയരുകയാണെങ്കിൽ ഈ ഫണ്ടുകൾ മൂലധന നഷ്ടം വഹിക്കുകയും ചെയ്യും.

ഈ തന്ത്രത്തിൽ, ഫണ്ട് മാനേജർ പലിശ നിരക്ക് ചലനങ്ങൾ പ്രവചിക്കുന്നു. ഡ്യൂറേഷൻ ഫണ്ട് മാനേജർ തന്റെ വീക്ഷണത്തിനനുസരിച്ച് ഫണ്ടിന്റെ കാലാവധിയും ശരാശരി മെച്യൂരിറ്റിയും കൂടുകയോ കുറയ്ക്കുകയോ ചെയ്യുന്നു. ഫണ്ട് മാനേജരുടെ തെറ്റായ പ്രവചനങ്ങൾ കാലയളവിനെ അടിസ്ഥാനമാക്കിയുള്ളതാക്കുംഡെറ്റ് ഫണ്ട് നഷ്ടം സഹിക്കുക.

ഒരു ഫണ്ട് മാനേജർമാർ കൂടുതൽ ശ്രദ്ധ കേന്ദ്രീകരിക്കുന്നത് റിട്ടേണുകൾ പരമാവധിയാക്കുന്നതിന് കാലയളവ് നിയന്ത്രിക്കുന്നതിലാണ്. സാധാരണയായി, പലിശനിരക്കുകൾ കുറയുമ്പോൾ, കാലാവധി ഫണ്ട് മാനേജർ താരതമ്യേന ഉയർന്ന കാലയളവ് തിരഞ്ഞെടുക്കുന്നു, അങ്ങനെ പരമാവധിയാക്കുകമൂലധന നേട്ടം ഉയരുന്ന ബോണ്ട് വിലകളിൽ നിന്ന്. തിരിച്ചും ഒരു സാഹചര്യത്തിൽ, അതായത്, പലിശനിരക്ക് ഉയരുമ്പോൾ, പോർട്ട്ഫോളിയോയിലെ മൂലധനനഷ്ടത്തിൽ നിന്ന് പരിരക്ഷിക്കുന്നതിന് ഫണ്ടിന്റെ ദൈർഘ്യം കുറയ്ക്കും.

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9 മികച്ച ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
ICICI Prudential Savings Fund Growth	₹553.592 ↑ 0.27	₹27,076	1.6	4	7.9	7.7	8	6.84%	9M 29D	1Y 8M 26D
UTI Treasury Advantage Fund Growth	₹3,610.42 ↑ 0.86	₹3,125	1.5	3.9	7.8	7.5	7.7	6.69%	11M 12D	1Y 1M 10D
Nippon India Low Duration Fund Growth	₹3,807.24 ↑ 1.17	₹10,048	1.5	3.8	7.6	7.2	7.4	6.81%	10M 20D	1Y 1M 23D
Invesco India Treasury Advantage Fund Growth	₹3,847.76 ↑ 1.26	₹1,940	1.4	3.7	7.5	7.2	7.6	6.47%	9M 18D	10M 19D
Canara Robeco Savings Fund Growth	₹42.8623 ↑ 0.01	₹1,610	1.4	3.8	7.5	7.2	7.4	6.35%	11M 1D	1Y 14D
HDFC Low Duration Fund Growth	₹58.6969 ↑ 0.02	₹24,304	1.4	3.7	7.5	7.2	7.4	6.92%	10M 21D	1Y 9M 29D
Bandhan Low Duration Fund Growth	₹39.2181 ↑ 0.02	₹6,608	1.4	3.7	7.5	7.2	7.3	6.46%	11M 8D	1Y 18D
Tata Treasury Advantage Fund Growth	₹3,995.42 ↑ 1.64	₹3,111	1.4	3.7	7.5	7.2	7.4	6.38%	10M 4D	1Y 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

Research Highlights & Commentary of 9 Funds showcased

Commentary	Sundaram Low Duration Fund	ICICI Prudential Savings Fund	UTI Treasury Advantage Fund	Nippon India Low Duration Fund	Invesco India Treasury Advantage Fund	Canara Robeco Savings Fund	HDFC Low Duration Fund	Bandhan Low Duration Fund	Tata Treasury Advantage Fund
Point 1	Bottom quartile AUM (₹550 Cr).	Highest AUM (₹27,076 Cr).	Lower mid AUM (₹3,125 Cr).	Upper mid AUM (₹10,048 Cr).	Bottom quartile AUM (₹1,940 Cr).	Bottom quartile AUM (₹1,610 Cr).	Top quartile AUM (₹24,304 Cr).	Upper mid AUM (₹6,608 Cr).	Lower mid AUM (₹3,111 Cr).
Point 2	Established history (18+ yrs).	Established history (23+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (25 yrs).	Established history (19+ yrs).	Established history (20+ yrs).
Point 3	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 11.79% (top quartile).	1Y return: 7.94% (top quartile).	1Y return: 7.78% (upper mid).	1Y return: 7.58% (upper mid).	1Y return: 7.55% (lower mid).	1Y return: 7.50% (lower mid).	1Y return: 7.49% (bottom quartile).	1Y return: 7.49% (bottom quartile).	1Y return: 7.47% (bottom quartile).
Point 6	1M return: 0.28% (bottom quartile).	1M return: 0.54% (lower mid).	1M return: 0.56% (top quartile).	1M return: 0.55% (upper mid).	1M return: 0.51% (bottom quartile).	1M return: 0.53% (lower mid).	1M return: 0.53% (bottom quartile).	1M return: 0.55% (top quartile).	1M return: 0.55% (upper mid).
Point 7	Sharpe: 0.99 (bottom quartile).	Sharpe: 2.68 (top quartile).	Sharpe: 2.55 (top quartile).	Sharpe: 2.32 (upper mid).	Sharpe: 2.37 (upper mid).	Sharpe: 1.92 (bottom quartile).	Sharpe: 1.80 (bottom quartile).	Sharpe: 2.01 (lower mid).	Sharpe: 2.03 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.19% (bottom quartile).	Yield to maturity (debt): 6.84% (top quartile).	Yield to maturity (debt): 6.69% (upper mid).	Yield to maturity (debt): 6.81% (upper mid).	Yield to maturity (debt): 6.47% (lower mid).	Yield to maturity (debt): 6.35% (bottom quartile).	Yield to maturity (debt): 6.92% (top quartile).	Yield to maturity (debt): 6.46% (lower mid).	Yield to maturity (debt): 6.38% (bottom quartile).
Point 10	Modified duration: 0.47 yrs (top quartile).	Modified duration: 0.83 yrs (upper mid).	Modified duration: 0.95 yrs (bottom quartile).	Modified duration: 0.89 yrs (lower mid).	Modified duration: 0.80 yrs (top quartile).	Modified duration: 0.92 yrs (bottom quartile).	Modified duration: 0.89 yrs (lower mid).	Modified duration: 0.94 yrs (bottom quartile).	Modified duration: 0.84 yrs (upper mid).

Sundaram Low Duration Fund

Bottom quartile AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (top quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

ICICI Prudential Savings Fund

Highest AUM (₹27,076 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.94% (top quartile).
1M return: 0.54% (lower mid).
Sharpe: 2.68 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.84% (top quartile).
Modified duration: 0.83 yrs (upper mid).

UTI Treasury Advantage Fund

Lower mid AUM (₹3,125 Cr).
Established history (18+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.78% (upper mid).
1M return: 0.56% (top quartile).
Sharpe: 2.55 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.69% (upper mid).
Modified duration: 0.95 yrs (bottom quartile).

Nippon India Low Duration Fund

Upper mid AUM (₹10,048 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.58% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 2.32 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.89 yrs (lower mid).

Invesco India Treasury Advantage Fund

Bottom quartile AUM (₹1,940 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.55% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 0.80 yrs (top quartile).

Canara Robeco Savings Fund

Bottom quartile AUM (₹1,610 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.50% (lower mid).
1M return: 0.53% (lower mid).
Sharpe: 1.92 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.92 yrs (bottom quartile).

HDFC Low Duration Fund

Top quartile AUM (₹24,304 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.49% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.92% (top quartile).
Modified duration: 0.89 yrs (lower mid).

Bandhan Low Duration Fund

Upper mid AUM (₹6,608 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.49% (bottom quartile).
1M return: 0.55% (top quartile).
Sharpe: 2.01 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.46% (lower mid).
Modified duration: 0.94 yrs (bottom quartile).

Tata Treasury Advantage Fund

Lower mid AUM (₹3,111 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.47% (bottom quartile).
1M return: 0.55% (upper mid).
Sharpe: 2.03 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.38% (bottom quartile).
Modified duration: 0.84 yrs (upper mid).

*ഈ ആർട്ടിക്കിളിൽ പരാമർശിച്ചിരിക്കുന്ന ഫണ്ടുകൾക്ക് എയുഎം/നെറ്റ് അസറ്റുകളേക്കാൾ കൂടുതലാണ്100 കോടി ഉള്ളതുംഫണ്ട് പ്രായം >= 3 വർഷം. അവസാനം അടുക്കി1 വർഷത്തെ റിട്ടേൺ.

1. Sundaram Low Duration Fund

(Erstwhile Sundaram Ultra Short Term Fund)

To provide a level of income consistent with liquidity through investments made primarily in money market and debt securities.

Research Highlights for Sundaram Low Duration Fund

Bottom quartile AUM (₹550 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 11.79% (top quartile).
1M return: 0.28% (bottom quartile).
Sharpe: 0.99 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 4.19% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.67 yrs (top quartile).
Exit load: NIL.

Below is the key information for Sundaram Low Duration Fund

Sundaram Low Duration Fund Growth
Launch Date	23 Apr 07
NAV (31 Dec 21)	₹28.8391 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹550 on 30 Nov 21
Category	Debt - Low Duration
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.86
Sharpe Ratio	0.99
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	4.19%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,188

Sundaram Low 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 Sundaram Low 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 31 Dec 21

Duration	Returns
1 Month	0.3%
3 Month	1%
6 Month	10.2%
1 Year	11.8%
3 Year	5%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Sundaram Low Duration Fund

Name	Since	Tenure

Data below for Sundaram Low Duration Fund as on 30 Nov 21

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 Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Savings Fund

Highest AUM (₹27,076 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.94% (top quartile).
1M return: 0.54% (lower mid).
Sharpe: 2.68 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.84% (top quartile).
Modified duration: 0.83 yrs (upper mid).
Average maturity: 1.74 yrs (bottom quartile).
Exit load: NIL.
Top sector: Basic Materials.
Top bond sector: Corporate.
Debt-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.2%).

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (01 Oct 25)	₹553.592 ↑ 0.27 (0.05 %)
Net Assets (Cr)	₹27,076 on 15 Sep 25
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.53
Sharpe Ratio	2.68
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.84%
Effective Maturity	1 Year 8 Months 26 Days
Modified Duration	9 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,549
30 Sep 22	₹10,916
30 Sep 23	₹11,730
30 Sep 24	₹12,632
30 Sep 25	₹13,633

ICICI Prudential 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 ICICI Prudential 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4%
1 Year	7.9%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7.6%
2022	4.5%
2021	3.8%
2020	8.6%
2019	8.8%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.8%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	0.97 Yr.
Darshil Dedhia	12 Jun 23	2.22 Yr.

Data below for ICICI Prudential Savings Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	21.71%
Debt	78.03%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	66.24%
Government	24.45%
Cash Equivalent	5.35%
Securitized	3.69%

Credit Quality

Rating	Value
AA	12.72%
AAA	87.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,125 Cr	111,750
7.81% Govt Stock 2033 Sovereign Bonds \| -	4%	₹1,111 Cr	107,269,310 ↓ -15,916,670
Radhakrishna Securitization Trust ** Unlisted bonds \| -	3%	₹875 Cr	875 ↑ 875
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹635 Cr	62,841,800 ↑ 14,068,200
6.63% Govt Stock 2031 Sovereign Bonds \| -	2%	₹615 Cr	60,500,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	2%	₹476 Cr	46,625,930
Small Industries Development Bank Of India Debentures \| -	2%	₹448 Cr	44,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹436 Cr	43,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹403 Cr	40,000
Small Industries Development Bank Of India Debentures \| -	1%	₹352 Cr	35,000

3. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

Research Highlights for UTI Treasury Advantage Fund

Lower mid AUM (₹3,125 Cr).
Established history (18+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.78% (upper mid).
1M return: 0.56% (top quartile).
Sharpe: 2.55 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.69% (upper mid).
Modified duration: 0.95 yrs (bottom quartile).
Average maturity: 1.11 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding Power Finance Corporation Limited (~4.8%).

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (01 Oct 25)	₹3,610.42 ↑ 0.86 (0.02 %)
Net Assets (Cr)	₹3,125 on 31 Aug 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.45
Sharpe Ratio	2.55
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.69%
Effective Maturity	1 Year 1 Month 10 Days
Modified Duration	11 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,922
30 Sep 22	₹11,355
30 Sep 23	₹12,151
30 Sep 24	₹13,073
30 Sep 25	₹14,091

UTI Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3.9%
1 Year	7.8%
3 Year	7.5%
5 Year	7.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.1%
2022	4.5%
2021	9%
2020	7.3%
2019	-4.2%
2018	7.3%
2017	7%
2016	8.9%
2015	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	21.73%
Debt	77.97%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	69.72%
Government	17.58%
Cash Equivalent	12.4%

Credit Quality

Rating	Value
AA	16.44%
AAA	83.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	5%	₹149 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
Treasury Bills Sovereign Bonds \| -	4%	₹123 Cr	1,250,000,000
Embassy Office Parks Reit Debentures \| -	4%	₹120 Cr	1,200
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Rec Limited Debentures \| -	3%	₹101 Cr	10,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Red 29-01-2026 Sovereign Bonds \| -	3%	₹93 Cr	950,000,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹73 Cr	750,000,000

4. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager 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.

Research Highlights for Nippon India Low Duration Fund

Upper mid AUM (₹10,048 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.58% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 2.32 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.89 yrs (lower mid).
Average maturity: 1.15 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding 91 Days Tbill Red 23-10-2025 (~2.5%).

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund Growth
Launch Date	20 Mar 07
NAV (01 Oct 25)	₹3,807.24 ↑ 1.17 (0.03 %)
Net Assets (Cr)	₹10,048 on 31 Aug 25
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	2.32
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	1 Year 1 Month 23 Days
Modified Duration	10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,485
30 Sep 22	₹10,844
30 Sep 23	₹11,567
30 Sep 24	₹12,399
30 Sep 25	₹13,339

Nippon India Low 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 Nippon India Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.8%
1 Year	7.6%
3 Year	7.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.7%
2022	4.2%
2021	4.1%
2020	7.3%
2019	7%
2018	7.4%
2017	6.6%
2016	8.5%
2015	8.4%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.59 Yr.
Kinjal Desai	25 May 18	7.28 Yr.

Data below for Nippon India Low Duration Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	26.95%
Debt	72.81%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	65.4%
Government	19.79%
Cash Equivalent	11.59%
Securitized	2.99%

Credit Quality

Rating	Value
AA	13.42%
AAA	86.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 Days Tbill Red 23-10-2025 Sovereign Bonds \| -	2%	₹249 Cr	25,000,000 ↑ 25,000,000
TATA Communications Limited Debentures \| -	2%	₹202 Cr	20,000
Telangana State Industrial Infrastructure Corporation Limited Debentures \| -	2%	₹201 Cr	20,000
Radhakrishna Securitisation Trust** Unlisted bonds \| -	2%	₹200 Cr	200 ↑ 200
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹197 Cr	19,500
Highways Infrastructure Trust Debentures \| -	2%	₹171 Cr	1,750
Interise TRust Debentures \| -	2%	₹171 Cr	18,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹170 Cr	17,000
Small Industries Development Bank Of India Debentures \| -	2%	₹152 Cr	15,000
Rec Limited Debentures \| -	2%	₹151 Cr	15,000

5. Invesco India Treasury Advantage Fund

(Erstwhile Invesco India Ultra Short Term Fund)

The investment objective is to provide liquidity and optimal returns to the investor by investing primarily in a mix of short term debt and money market instruments which results in a portfolio having marginally higher maturity and moderately higher credit risk as compared to a liquid fund at the same time maintaining a balance between safety and liquidity.

Research Highlights for Invesco India Treasury Advantage Fund

Bottom quartile AUM (₹1,940 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.55% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 0.80 yrs (top quartile).
Average maturity: 0.88 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~76%).
High-quality debt (AAA/AA ~100%).
Largest holding Small Industries Development Bank Of India (~4.2%).

Below is the key information for Invesco India Treasury Advantage Fund

Invesco India Treasury Advantage Fund Growth
Launch Date	18 Jan 07
NAV (01 Oct 25)	₹3,847.76 ↑ 1.26 (0.03 %)
Net Assets (Cr)	₹1,940 on 31 Aug 25
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.47%
Effective Maturity	10 Months 19 Days
Modified Duration	9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,402
30 Sep 22	₹10,737
30 Sep 23	₹11,462
30 Sep 24	₹12,310
30 Sep 25	₹13,239

Invesco India Treasury Advantage 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 Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.7%
1 Year	7.5%
3 Year	7.2%
5 Year	5.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	6.8%
2022	4%
2021	3.5%
2020	7.1%
2019	8.9%
2018	7.1%
2017	6.3%
2016	8.5%
2015	8.4%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	12.67 Yr.
Vikas Garg	16 Dec 20	4.71 Yr.

Data below for Invesco India Treasury Advantage Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	23.95%
Debt	75.79%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	68.41%
Government	22.41%
Cash Equivalent	8.91%

Credit Quality

Rating	Value
AA	14.12%
AAA	85.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹75 Cr	7,500,000
India (Republic of) - \| -	4%	₹74 Cr	7,500,000
Mankind Pharma Limited Debentures \| -	3%	₹51 Cr	5,000,000 ↑ 2,500,000
Kotak Mahindra Prime Limited Debentures \| -	3%	₹51 Cr	5,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹50 Cr	5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹50 Cr	5,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 2,500,000
India (Republic of) - \| -	3%	₹50 Cr	5,000,000

6. Canara Robeco Savings Fund

(Erstwhile Canara Robeco Savings Plus Fund)

To generate income/ Capital appreciation by investing in a portfolio comprising of short term debt instruments and money market instruments with weighted average portfolio duration between 3 months to less than 1 year. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Savings Fund

Bottom quartile AUM (₹1,610 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.50% (lower mid).
1M return: 0.53% (lower mid).
Sharpe: 1.92 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.92 yrs (bottom quartile).
Average maturity: 1.04 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.7%).

Below is the key information for Canara Robeco Savings Fund

Canara Robeco Savings Fund Growth
Launch Date	4 Mar 05
NAV (01 Oct 25)	₹42.8623 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹1,610 on 31 Aug 25
Category	Debt - Low Duration
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.35%
Effective Maturity	1 Year 14 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,360
30 Sep 22	₹10,697
30 Sep 23	₹11,435
30 Sep 24	₹12,262
30 Sep 25	₹13,187

Canara Robeco 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 Canara Robeco 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.8%
1 Year	7.5%
3 Year	7.2%
5 Year	5.7%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.1%
2021	3.1%
2020	6.4%
2019	8.1%
2018	6.9%
2017	6.8%
2016	8.4%
2015	8.3%

Fund Manager information for Canara Robeco Savings Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.42 Yr.
Kunal Jain	18 Jul 22	3.12 Yr.

Data below for Canara Robeco Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	43.74%
Debt	56.03%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	61.67%
Cash Equivalent	23.77%
Government	14.33%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹76 Cr	7,500
Rec Limited Debentures \| -	5%	₹76 Cr	7,500 ↑ 1,500
Bajaj Finance Limited Debentures \| -	5%	₹75 Cr	7,500
182 Days Tbill Red 11/12/2026 Sovereign Bonds \| -	5%	₹74 Cr	7,500,000
HDFC Bank Ltd. Debentures \| -	5%	₹73 Cr	1,500
6.92% State Government Of Tamil Nadu Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹50 Cr	500
Power Finance Corporation Limited Debentures \| -	3%	₹50 Cr	500
LIC Housing Finance Ltd Debentures \| -	3%	₹50 Cr	5,000
Kotak Mahindra Prime Limited Debentures \| -	3%	₹50 Cr	5,000 ↑ 5,000

7. HDFC Low Duration Fund

(Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)

To generate regular income through investment in debt securities and money market instruments.

Research Highlights for HDFC Low Duration Fund

Top quartile AUM (₹24,304 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.49% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.92% (top quartile).
Modified duration: 0.89 yrs (lower mid).
Average maturity: 1.83 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.63% Govt Stock 2031 (~4.5%).

Below is the key information for HDFC Low Duration Fund

HDFC Low Duration Fund Growth
Launch Date	18 Nov 99
NAV (01 Oct 25)	₹58.6969 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹24,304 on 31 Aug 25
Category	Debt - Low Duration
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.03
Sharpe Ratio	1.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.92%
Effective Maturity	1 Year 9 Months 29 Days
Modified Duration	10 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,494
30 Sep 22	₹10,848
30 Sep 23	₹11,603
30 Sep 24	₹12,433
30 Sep 25	₹13,364

HDFC Low 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 HDFC Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.7%
1 Year	7.5%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.1%
2021	3.7%
2020	8.1%
2019	8%
2018	6.5%
2017	6.4%
2016	8.6%
2015	7.7%

Fund Manager information for HDFC Low Duration Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.85 Yr.
Praveen Jain	6 Oct 22	2.91 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Low Duration Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	3.18%
Debt	96.56%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	72.11%
Government	22.39%
Cash Equivalent	3.18%
Securitized	2.06%

Credit Quality

Rating	Value
AA	11.41%
AAA	88.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.63% Govt Stock 2031 Sovereign Bonds \| -	4%	₹1,093 Cr	107,500,000 ↑ 2,500,000
7.81% Govt Stock 2033 Sovereign Bonds \| -	4%	₹1,087 Cr	105,000,000 ↑ 5,000,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹744 Cr	7,450
Small Industries Development Bank Of India Debentures \| -	3%	₹662 Cr	6,600
Mangalore Refinery And Petrochemicals Limited Debentures \| -	3%	₹644 Cr	6,450
Jubilant Beverages Limited Debentures \| -	3%	₹622 Cr	59,740
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹505 Cr	50,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹502 Cr	50,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹431 Cr	42,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹407 Cr	40,000

8. Bandhan Low Duration Fund

(Erstwhile IDFC Ultra Short Term Fund)

To offer an investment avenue for short term savings by looking to generate stable returns with a low risk strategy. The scheme will have a portfolio that is invested in good quality debt and money market instruments such that the fund will offer a blend of liquidity with stability of returns. There can be no assurance that the investment objective of the scheme will be realized

Research Highlights for Bandhan Low Duration Fund

Upper mid AUM (₹6,608 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.49% (bottom quartile).
1M return: 0.55% (top quartile).
Sharpe: 2.01 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.46% (lower mid).
Modified duration: 0.94 yrs (bottom quartile).
Average maturity: 1.05 yrs (lower mid).
Exit load: NIL.
Higher exposure to Basic Materials vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding Small Industries Development Bank Of India (~4.9%).

Below is the key information for Bandhan Low Duration Fund

Bandhan Low Duration Fund Growth
Launch Date	17 Jan 06
NAV (01 Oct 25)	₹39.2181 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹6,608 on 31 Aug 25
Category	Debt - Low Duration
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
Sharpe Ratio	2.01
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.46%
Effective Maturity	1 Year 18 Days
Modified Duration	11 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,397
30 Sep 22	₹10,731
30 Sep 23	₹11,468
30 Sep 24	₹12,301
30 Sep 25	₹13,222

Bandhan Low 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 Bandhan Low 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3.7%
1 Year	7.5%
3 Year	7.2%
5 Year	5.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	6.9%
2022	4%
2021	3.5%
2020	6.9%
2019	8.3%
2018	7.2%
2017	7%
2016	8.8%
2015	8.7%

Fund Manager information for Bandhan Low Duration Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	4.1 Yr.
Brijesh Shah	10 Jun 24	1.23 Yr.

Data below for Bandhan Low Duration Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	25.11%
Debt	74.59%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	64.53%
Government	24.9%
Cash Equivalent	10.28%

Credit Quality

Rating	Value
AA	3.89%
AAA	96.11%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	5%	₹326 Cr	32,500,000
Power Finance Corporation Limited Debentures \| -	5%	₹303 Cr	30,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹277 Cr	27,500,000
Small Industries Development Bank Of India Debentures \| -	4%	₹256 Cr	25,500,000 ↓ -1,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹231 Cr	23,000,000 ↓ -10,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹221 Cr	22,000,000 ↑ 2,500,000
Rec Limited Debentures \| -	3%	₹177 Cr	17,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹176 Cr	17,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹152 Cr	15,000,000
Bajaj Finance Limited Debentures \| -	2%	₹150 Cr	15,000,000 ↑ 7,500,000

9. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Tata Treasury Advantage Fund

Lower mid AUM (₹3,111 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.47% (bottom quartile).
1M return: 0.55% (upper mid).
Sharpe: 2.03 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.38% (bottom quartile).
Modified duration: 0.84 yrs (upper mid).
Average maturity: 1.01 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Hdb Financial Services Limited (~4.7%).

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (01 Oct 25)	₹3,995.42 ↑ 1.64 (0.04 %)
Net Assets (Cr)	₹3,111 on 31 Aug 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	2.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.38%
Effective Maturity	1 Year 4 Days
Modified Duration	10 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,428
30 Sep 22	₹10,787
30 Sep 23	₹11,509
30 Sep 24	₹12,347
30 Sep 25	₹13,270

Tata Treasury Advantage 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 Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.7%
1 Year	7.5%
3 Year	7.2%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.9%
2022	4.1%
2021	3.6%
2020	7.5%
2019	2.2%
2018	7.5%
2017	6.9%
2016	8.5%
2015	8.6%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	11.26 Yr.
Abhishek Sonthalia	6 Feb 20	5.57 Yr.

Data below for Tata Treasury Advantage Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	46.99%
Debt	52.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.79%
Government	19.91%
Cash Equivalent	14%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Hdb Financial Services Limited Debentures \| -	5%	₹146 Cr	14,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Bajaj Finance Limited Debentures \| -	3%	₹100 Cr	1,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	3%	₹97 Cr	9,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹76 Cr	7,500
ICICI Home Finance Company Limited Debentures \| -	2%	₹76 Cr	7,500
National Housing Bank Debentures \| -	2%	₹75 Cr	7,500
364 DTB 29012026 Sovereign Bonds \| -	2%	₹73 Cr	7,500,000
Sundaram Home Finance Limited Debentures \| -	2%	₹50 Cr	5,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000

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