SIP 2022-ൽ നിക്ഷേപിക്കുന്നതിനുള്ള 8 മികച്ച ഹ്രസ്വകാല മ്യൂച്വൽ ഫണ്ടുകൾ

Updated on October 15, 2025 , 43785 views

ഷോർട്ട് ടേംമ്യൂച്വൽ ഫണ്ടുകൾ ഒരു തരം ആകുന്നുഡെറ്റ് ഫണ്ട് അത് നിക്ഷേപകരെ ഹ്രസ്വകാലത്തേക്ക്, അതായത് 1-3 വർഷം വരെ നിക്ഷേപിക്കാൻ അനുവദിക്കുന്നു. ഈ ഫണ്ടുകൾ ഡെറ്റ് സെക്യൂരിറ്റികളിൽ നിക്ഷേപിക്കുകയും മികച്ച വരുമാനം നേടുന്നതിന് സ്ഥിരനിക്ഷേപങ്ങൾക്ക് പകരമായി തിരയുന്ന നിക്ഷേപകർക്ക് അനുയോജ്യമാണ്. ഈ ഫണ്ടുകൾ സാധാരണയായി ഡെറ്റ് ഉപകരണങ്ങളിൽ നിക്ഷേപിക്കുന്നു എനിക്ഷേപ സാക്ഷ്യപത്രം, സർക്കാർ പേപ്പറും കോർപ്പറേറ്റ് പേപ്പറും.ഹ്രസ്വകാല ഡെറ്റ് ഫണ്ടുകൾ കൂടുതൽ വഴക്കം അനുവദിക്കുക. നിക്ഷേപകർക്ക് ആവശ്യമുള്ളപ്പോൾ ഫണ്ടിൽ നിന്ന് പുറത്തുകടക്കാൻ കഴിയും. കൂടാതെ, മറ്റുള്ളവയിൽ നിന്ന് വ്യത്യസ്തമായിമ്യൂച്വൽ ഫണ്ടുകളുടെ തരങ്ങൾ, ഈ ഫണ്ടിൽ പിൻവലിക്കൽ നിരക്കുകളൊന്നുമില്ല.മികച്ച ഹ്രസ്വകാല മ്യൂച്വൽ ഫണ്ടുകൾ കുറഞ്ഞ തുക കൊണ്ട് നല്ല വരുമാനം നേടാൻ നിക്ഷേപകരെ അനുവദിക്കുകവിപണി അപകടം. അതിനാൽ, ഹ്രസ്വകാല അല്ലെങ്കിൽ ഇടക്കാലത്തേക്ക് നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് ഈ സ്കീമിൽ നിക്ഷേപിക്കുകയും വിലയേറിയ വരുമാനവും വളർച്ചയും നേടുകയും ചെയ്യാം.

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FY 22 - 23 SIP നിക്ഷേപങ്ങൾക്കായുള്ള മികച്ച 8 മികച്ച പ്രകടനം നടത്തുന്ന ഹ്രസ്വകാല ഡെറ്റ് ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Short Term Debt Fund Growth	₹32.7155 ↑ 0.02	₹17,999	300	1.4	3.4	8.2	8	8.3	6.94%	2Y 3M 7D	3Y 5M 12D
ICICI Prudential Short Term Fund Growth	₹61.4794 ↓ 0.00	₹22,339	1,000	1.4	3.5	8.2	7.8	7.8	7.27%	2Y 7M 10D	4Y 10M 20D
Nippon India Short Term Fund Growth	₹53.9837 ↑ 0.02	₹8,935	100	1.4	3.5	8.4	7.8	8	7.04%	2Y 6M 18D	3Y 2M 19D
Axis Short Term Fund Growth	₹31.618 ↑ 0.01	₹12,129	1,000	1.5	3.6	8.6	7.8	8	6.89%	2Y 5M 23D	3Y 2M 12D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹48.6029 ↑ 0.02	₹10,711	1,000	1.4	3.4	8.1	7.7	7.9	7.16%	2Y 8M 1D	3Y 6M 4D
Bandhan Bond Fund Short Term Plan Growth	₹58.2548 ↑ 0.01	₹10,782	1,000	1.1	3.1	8	7.7	7.8	6.6%	2Y 10M 24D	3Y 7M 24D
SBI Short Term Debt Fund Growth	₹32.8261 ↑ 0.01	₹16,387	500	1.4	3.4	8.2	7.7	7.7	7.02%	2Y 9M 14D	3Y 5M 26D
Baroda Pioneer Short Term Bond Fund Growth	₹29.8474 ↑ 0.01	₹287	500	1.3	3.3	8	7.6	7.7	6.95%	2Y 7M 10D	3Y 2M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	HDFC Short Term Debt Fund	ICICI Prudential Short Term Fund	Nippon India Short Term Fund	Axis Short Term Fund	Aditya Birla Sun Life Short Term Opportunities Fund	Bandhan Bond Fund Short Term Plan	SBI Short Term Debt Fund	Baroda Pioneer Short Term Bond Fund
Point 1	Top quartile AUM (₹17,999 Cr).	Highest AUM (₹22,339 Cr).	Bottom quartile AUM (₹8,935 Cr).	Upper mid AUM (₹12,129 Cr).	Lower mid AUM (₹10,711 Cr).	Lower mid AUM (₹10,782 Cr).	Upper mid AUM (₹16,387 Cr).	Bottom quartile AUM (₹287 Cr).
Point 2	Established history (15+ yrs).	Established history (23+ yrs).	Established history (22+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Oldest track record among peers (24 yrs).	Established history (18+ yrs).	Established history (15+ yrs).
Point 3	Rating: 3★ (upper mid).	Top rated.	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.18% (lower mid).	1Y return: 8.22% (upper mid).	1Y return: 8.41% (top quartile).	1Y return: 8.55% (top quartile).	1Y return: 8.12% (lower mid).	1Y return: 7.97% (bottom quartile).	1Y return: 8.21% (upper mid).	1Y return: 7.97% (bottom quartile).
Point 6	1M return: 0.84% (upper mid).	1M return: 0.77% (bottom quartile).	1M return: 0.95% (top quartile).	1M return: 0.80% (upper mid).	1M return: 0.88% (top quartile).	1M return: 0.69% (bottom quartile).	1M return: 0.78% (lower mid).	1M return: 0.78% (lower mid).
Point 7	Sharpe: 1.33 (upper mid).	Sharpe: 1.43 (top quartile).	Sharpe: 1.26 (upper mid).	Sharpe: 1.56 (top quartile).	Sharpe: 1.18 (lower mid).	Sharpe: 0.86 (bottom quartile).	Sharpe: 1.26 (lower mid).	Sharpe: 1.04 (bottom quartile).
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).
Point 9	Yield to maturity (debt): 6.94% (lower mid).	Yield to maturity (debt): 7.27% (top quartile).	Yield to maturity (debt): 7.04% (upper mid).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 7.16% (top quartile).	Yield to maturity (debt): 6.60% (bottom quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 6.95% (lower mid).
Point 10	Modified duration: 2.27 yrs (top quartile).	Modified duration: 2.61 yrs (upper mid).	Modified duration: 2.55 yrs (upper mid).	Modified duration: 2.48 yrs (top quartile).	Modified duration: 2.67 yrs (lower mid).	Modified duration: 2.90 yrs (bottom quartile).	Modified duration: 2.79 yrs (bottom quartile).	Modified duration: 2.61 yrs (lower mid).

HDFC Short Term Debt Fund

Top quartile AUM (₹17,999 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.18% (lower mid).
1M return: 0.84% (upper mid).
Sharpe: 1.33 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 2.27 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹22,339 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.22% (upper mid).
1M return: 0.77% (bottom quartile).
Sharpe: 1.43 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 2.61 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹8,935 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.41% (top quartile).
1M return: 0.95% (top quartile).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.55 yrs (upper mid).

Axis Short Term Fund

Upper mid AUM (₹12,129 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.55% (top quartile).
1M return: 0.80% (upper mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 2.48 yrs (top quartile).

Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,711 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.12% (lower mid).
1M return: 0.88% (top quartile).
Sharpe: 1.18 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.16% (top quartile).
Modified duration: 2.67 yrs (lower mid).

Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹10,782 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.97% (bottom quartile).
1M return: 0.69% (bottom quartile).
Sharpe: 0.86 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 2.90 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.21% (upper mid).
1M return: 0.78% (lower mid).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).

Baroda Pioneer Short Term Bond Fund

Bottom quartile AUM (₹287 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.97% (bottom quartile).
1M return: 0.78% (lower mid).
Sharpe: 1.04 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (lower mid).
Modified duration: 2.61 yrs (lower mid).

*മുകളിൽ മികച്ചവയുടെ ലിസ്റ്റ്ഹ്രസ്വകാല കടം മുകളിൽ AUM/നെറ്റ് അസറ്റുകൾ ഉള്ള ഫണ്ടുകൾ100 കോടി. ക്രമീകരിച്ചുകഴിഞ്ഞ 3 വർഷത്തെ റിട്ടേൺ.

1. HDFC Short Term Debt Fund

(Erstwhile HDFC Short Term Opportunities Fund)

To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months.

Research Highlights for HDFC Short Term Debt Fund

Top quartile AUM (₹17,999 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.18% (lower mid).
1M return: 0.84% (upper mid).
Sharpe: 1.33 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 2.27 yrs (top quartile).
Average maturity: 3.45 yrs (upper mid).
Exit load: NIL.

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (17 Oct 25)	₹32.7155 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹17,999 on 31 Aug 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	1.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	3 Years 5 Months 12 Days
Modified Duration	2 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,586
30 Sep 22	₹10,854
30 Sep 23	₹11,624
30 Sep 24	₹12,591
30 Sep 25	₹13,595

HDFC Short Term Debt 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 HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.4%
6 Month	3.4%
1 Year	8.2%
3 Year	8%
5 Year	6.2%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.1%
2022	3.5%
2021	3.9%
2020	11%
2019	9.7%
2018	7%
2017	6.5%
2016	9.3%
2015	8.7%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.2 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	8.32%
Debt	91.42%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	62.52%
Government	30.19%
Cash Equivalent	4.38%
Securitized	2.64%

Credit Quality

Rating	Value
AA	11.5%
AAA	88.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	4%	₹778 Cr	75,000,000 ↓ -7,500,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹441 Cr	43,500
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹419 Cr	41,500,000
Jubilant Beverages Limited Debentures \| -	2%	₹401 Cr	38,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹359 Cr	34,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹331 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹256 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹255 Cr	25,000
Pipeline Infrastructure Limited Debentures \| -	1%	₹251 Cr	24,500
Shivshakti Securitisation Trust^ Unlisted bonds \| -	1%	₹250 Cr	250 ↑ 250

2. ICICI Prudential Short Term Fund

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

Research Highlights for ICICI Prudential Short Term Fund

Highest AUM (₹22,339 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.22% (upper mid).
1M return: 0.77% (bottom quartile).
Sharpe: 1.43 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 2.61 yrs (upper mid).
Average maturity: 4.89 yrs (bottom quartile).
Exit load: 0-7 Days (0.25%),7 Days and above(NIL).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (17 Oct 25)	₹61.4794 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹22,339 on 15 Sep 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity	7.27%
Effective Maturity	4 Years 10 Months 20 Days
Modified Duration	2 Years 7 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,591
30 Sep 22	₹10,971
30 Sep 23	₹11,768
30 Sep 24	₹12,697
30 Sep 25	₹13,718

ICICI Prudential 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 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 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.4%
6 Month	3.5%
1 Year	8.2%
3 Year	7.8%
5 Year	6.4%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.7%
2021	3.9%
2020	10.6%
2019	9.7%
2018	5.8%
2017	5.9%
2016	11.1%
2015	8%

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	15.79 Yr.
Nikhil Kabra	29 Dec 20	4.68 Yr.

Data below for ICICI Prudential Short Term Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	3.65%
Debt	96.08%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	58.16%
Government	32.77%
Securitized	5.15%
Cash Equivalent	3.65%

Credit Quality

Rating	Value
AA	19.28%
AAA	80.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹966 Cr	95,187,610
LIC Housing Finance Ltd Debentures \| -	3%	₹759 Cr	75,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹710 Cr	69,574,740
Shivshakti Securitisation Trust ** Unlisted bonds \| -	3%	₹625 Cr	625 ↑ 625
7.81% Govt Stock 2033 Sovereign Bonds \| -	3%	₹573 Cr	55,312,240 ↓ -36,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹563 Cr	55,500
Siddhivinayak Securitisation Trust ** Unlisted bonds \| -	2%	₹525 Cr	525 ↑ 525
Vedanta Limited Debentures \| -	2%	₹510 Cr	51,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹428 Cr	41,358,430
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹364 Cr	36,000,000 ↑ 36,000,000

3. Nippon India Short Term Fund

The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securitites of a short term maturity.

Research Highlights for Nippon India Short Term Fund

Bottom quartile AUM (₹8,935 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.41% (top quartile).
1M return: 0.95% (top quartile).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.55 yrs (upper mid).
Average maturity: 3.22 yrs (upper mid).
Exit load: NIL.

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (17 Oct 25)	₹53.9837 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹8,935 on 31 Aug 25
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.04%
Effective Maturity	3 Years 2 Months 19 Days
Modified Duration	2 Years 6 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,619
30 Sep 22	₹10,860
30 Sep 23	₹11,583
30 Sep 24	₹12,518
30 Sep 25	₹13,537

Nippon India 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 Nippon India 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 17 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	1.4%
6 Month	3.5%
1 Year	8.4%
3 Year	7.8%
5 Year	6.2%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.2%
2021	4.4%
2020	9.5%
2019	9.4%
2018	5.5%
2017	5.7%
2016	9.8%
2015	8.1%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.59 Yr.
Kinjal Desai	25 May 18	7.28 Yr.
Sushil Budhia	31 Mar 21	4.42 Yr.

Data below for Nippon India Short Term Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.32%
Debt	94.42%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	50.14%
Government	42.42%
Securitized	4.8%
Cash Equivalent	2.38%

Credit Quality

Rating	Value
AA	10.93%
AAA	89.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	6%	₹500 Cr	48,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	4%	₹391 Cr	38,000,000 ↓ -2,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	3%	₹300 Cr	29,000,000 ↓ -1,000,000
07.17 KA Sdl 2030 Sovereign Bonds \| -	3%	₹253 Cr	25,000,000 ↑ 25,000,000
07.93 Up SDL 2030 Sovereign Bonds \| -	3%	₹234 Cr	22,500,000 ↑ 12,500,000
Shivshakti Securitisation Trust** Unlisted bonds \| -	3%	₹225 Cr	225 ↑ 225
7.17 Madhya Pradesh SDL 2031 Sovereign Bonds \| -	2%	₹206 Cr	20,500,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
Siddhivinayak Securitisation Trust** Unlisted bonds \| -	2%	₹200 Cr	200 ↑ 200
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹173 Cr	17,000 ↓ -5,000

4. Axis Short Term Fund

To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Short Term Fund

Upper mid AUM (₹12,129 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.55% (top quartile).
1M return: 0.80% (upper mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 2.48 yrs (top quartile).
Average maturity: 3.20 yrs (top quartile).
Exit load: NIL.

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (17 Oct 25)	₹31.618 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹12,129 on 31 Aug 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.88
Sharpe Ratio	1.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.89%
Effective Maturity	3 Years 2 Months 12 Days
Modified Duration	2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,514
30 Sep 22	₹10,803
30 Sep 23	₹11,515
30 Sep 24	₹12,437
30 Sep 25	₹13,473

Axis 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 Axis 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 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.5%
6 Month	3.6%
1 Year	8.6%
3 Year	7.8%
5 Year	6.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.7%
2021	3.5%
2020	10.1%
2019	9.8%
2018	6.3%
2017	5.9%
2016	9.6%
2015	8.1%

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.83 Yr.
Aditya Pagaria	3 Jul 23	2.17 Yr.

Data below for Axis Short Term Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	8.21%
Debt	91.54%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	62.94%
Government	27.48%
Cash Equivalent	6.84%
Securitized	2.48%

Credit Quality

Rating	Value
AA	12.8%
AAA	87.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹427 Cr	42,126,700 ↓ -32,000,000
7.54% Bihar State Development Loans (03/09/2033) Sovereign Bonds \| -	3%	₹354 Cr	35,000,000 ↑ 35,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹319 Cr	31,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹254 Cr	25,000 ↑ 18,500
Power Finance Corporation Limited Debentures \| -	2%	₹248 Cr	25,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹233 Cr	23,000 ↑ 5,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹193 Cr	19,000
Tata Capital Limited Debentures \| -	1%	₹177 Cr	1,750
Tata Capital Housing Finance Limited Debentures \| -	1%	₹150 Cr	15,000
Kotak Mahindra Prime Limited Debentures \| -	1%	₹150 Cr	15,000 ↑ 15,000

5. Aditya Birla Sun Life Short Term Opportunities Fund

An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating.

Research Highlights for Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,711 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.12% (lower mid).
1M return: 0.88% (top quartile).
Sharpe: 1.18 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.16% (top quartile).
Modified duration: 2.67 yrs (lower mid).
Average maturity: 3.51 yrs (lower mid).
Exit load: 0-90 Days (0.5%),90 Days and above(NIL).

Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund

Aditya Birla Sun Life Short Term Opportunities Fund Growth
Launch Date	9 May 03
NAV (17 Oct 25)	₹48.6029 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹10,711 on 31 Aug 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1
Sharpe Ratio	1.18
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity	7.16%
Effective Maturity	3 Years 6 Months 4 Days
Modified Duration	2 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,575
30 Sep 22	₹10,923
30 Sep 23	₹11,649
30 Sep 24	₹12,581
30 Sep 25	₹13,563

Aditya Birla Sun Life Short Term Opportunities 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 Short Term Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	1.4%
6 Month	3.4%
1 Year	8.1%
3 Year	7.7%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	4.2%
2021	3.8%
2020	11.1%
2019	8.5%
2018	6.5%
2017	5.6%
2016	11.3%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund

Name	Since	Tenure
Kaustubh Gupta	11 Sep 14	10.98 Yr.
Mohit Sharma	6 Aug 20	5.07 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.65%
Debt	94.08%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	53.43%
Government	38.2%
Cash Equivalent	4.97%
Securitized	3.14%

Credit Quality

Rating	Value
AA	15.15%
AAA	84.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	4%	₹456 Cr	45,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹432 Cr	42,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹421 Cr	42,500
Tata Capital Housing Finance Limited Debentures \| -	3%	₹349 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹315 Cr	31,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹306 Cr	29,500,000
Siddhivinayak Securitisation Trust 2025-1 (28/09/2030) ** Unlisted bonds \| -	3%	₹280 Cr	280 ↑ 280
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹278 Cr	26,906,400 ↑ 2,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	3%	₹274 Cr	27,000,000 ↑ 10,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹272 Cr	27,500

6. Bandhan Bond Fund Short Term Plan

(Erstwhile IDFC Super Saver Income Fund - Short Term Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹10,782 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.97% (bottom quartile).
1M return: 0.69% (bottom quartile).
Sharpe: 0.86 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 2.90 yrs (bottom quartile).
Average maturity: 3.65 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Bandhan Bond Fund Short Term Plan

Bandhan Bond Fund Short Term Plan Growth
Launch Date	14 Dec 00
NAV (17 Oct 25)	₹58.2548 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹10,782 on 31 Aug 25
Category	Debt - Short term Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.6%
Effective Maturity	3 Years 7 Months 24 Days
Modified Duration	2 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,456
30 Sep 22	₹10,647
30 Sep 23	₹11,353
30 Sep 24	₹12,299
30 Sep 25	₹13,238

Bandhan Bond Fund Short Term Plan 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 Bond Fund Short Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.1%
6 Month	3.1%
1 Year	8%
3 Year	7.7%
5 Year	5.7%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	6.9%
2022	2.8%
2021	3.4%
2020	9.7%
2019	9.7%
2018	6.5%
2017	5.9%
2016	8.8%
2015	8.1%

Fund Manager information for Bandhan Bond Fund Short Term Plan

Name	Since	Tenure
Suyash Choudhary	11 Mar 11	14.49 Yr.
Brijesh Shah	10 Jun 24	1.23 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	20.53%
Debt	79.19%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	59.69%
Corporate	29.47%
Cash Equivalent	10.57%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	42%	₹4,575 Cr	445,000,000 ↑ 49,500,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹481 Cr	47,500,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	4%	₹472 Cr	48,000,000 ↓ -1,500,000
Tata Capital Limited Debentures \| -	4%	₹444 Cr	44,100,000
Bajaj Finance Limited Debentures \| -	3%	₹276 Cr	27,500,000
LIC Housing Finance Ltd Debentures \| -	3%	₹274 Cr	27,000,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹253 Cr	25,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹249 Cr	24,500,000
06.88 Up SDL 2031 23 Jun Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
06.99 Up SDL 2031 Sovereign Bonds \| -	2%	₹215 Cr	21,500,000

7. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

Research Highlights for SBI Short Term Debt Fund

Upper mid AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.21% (upper mid).
1M return: 0.78% (lower mid).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).
Average maturity: 3.49 yrs (lower mid).
Exit load: NIL.

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (17 Oct 25)	₹32.8261 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹16,387 on 31 Aug 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	3 Years 5 Months 26 Days
Modified Duration	2 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,475
30 Sep 22	₹10,721
30 Sep 23	₹11,449
30 Sep 24	₹12,334
30 Sep 25	₹13,320

SBI Short Term Debt 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 Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.4%
6 Month	3.4%
1 Year	8.2%
3 Year	7.7%
5 Year	5.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	6.7%
2022	3.5%
2021	2.8%
2020	9.9%
2019	9.5%
2018	6%
2017	5.7%
2016	9.9%
2015	8.2%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Mansi Sajeja	1 Dec 23	1.75 Yr.

Data below for SBI Short Term Debt Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	8.32%
Debt	91.41%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	63.81%
Government	27.19%
Securitized	4.5%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AA	12.64%
AAA	87.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.33% Govt Stock 2035 Sovereign Bonds \| -	5%	₹840 Cr	85,000,000 ↓ -15,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	4%	₹682 Cr	66,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹660 Cr	65,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹507 Cr	50,000
Rec Limited Debentures \| -	3%	₹507 Cr	50,000
08.32 RJ Sdl 2029 Sovereign Bonds \| -	3%	₹471 Cr	45,000,000
TATA Communications Limited Debentures \| -	2%	₹403 Cr	40,000
Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Tru Unlisted bonds \| -	2%	₹375 Cr	375 ↑ 375
Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Unlisted bonds \| -	2%	₹375 Cr	375 ↑ 375
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹373 Cr	37,500

8. Baroda Pioneer Short Term Bond Fund

The objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.

Research Highlights for Baroda Pioneer Short Term Bond Fund

Bottom quartile AUM (₹287 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.97% (bottom quartile).
1M return: 0.78% (lower mid).
Sharpe: 1.04 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.95% (lower mid).
Modified duration: 2.61 yrs (lower mid).
Average maturity: 3.21 yrs (top quartile).
Exit load: 0-15 Days (0.25%),15 Days and above(NIL).

Below is the key information for Baroda Pioneer Short Term Bond Fund

Baroda Pioneer Short Term Bond Fund Growth
Launch Date	30 Jun 10
NAV (17 Oct 25)	₹29.8474 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹287 on 31 Aug 25
Category	Debt - Short term Bond
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.05
Sharpe Ratio	1.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	6.95%
Effective Maturity	3 Years 2 Months 16 Days
Modified Duration	2 Years 7 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,468
30 Sep 22	₹10,687
30 Sep 23	₹11,422
30 Sep 24	₹12,310
30 Sep 25	₹13,257

Baroda Pioneer Short Term Bond 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 Baroda Pioneer Short Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.3%
6 Month	3.3%
1 Year	8%
3 Year	7.6%
5 Year	5.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7%
2022	3%
2021	3.7%
2020	7.5%
2019	8.8%
2018	7.1%
2017	7.6%
2016	9.5%
2015	8.6%

Fund Manager information for Baroda Pioneer Short Term Bond Fund

Name	Since	Tenure
Gurvinder Wasan	21 Oct 24	0.86 Yr.
Vikram Pamnani	10 Jul 24	1.14 Yr.

Data below for Baroda Pioneer Short Term Bond Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.76%
Debt	93.95%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	62.28%
Government	31.67%
Cash Equivalent	5.76%

Credit Quality

Rating	Value
AA	9.2%
AAA	90.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹22 Cr	2,100,000
National Housing Bank Debentures \| -	5%	₹15 Cr	1,500
Small Industries Development Bank Of India Debentures \| -	5%	₹13 Cr	1,300
Hindustan Petroleum Corporation Limited Debentures \| -	4%	₹12 Cr	120
6.28% Govt Stock 2032 Sovereign Bonds \| -	4%	₹12 Cr	1,200,000 ↑ 400,000
Larsen And Toubro Limited Debentures \| -	4%	₹10 Cr	1,000
Shriram Finance Limited Debentures \| -	4%	₹10 Cr	1,000
LIC Housing Finance Ltd Debentures \| -	4%	₹10 Cr	1,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹10 Cr	1,000 ↓ -500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹10 Cr	1,000,000 ↑ 1,000,000

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.