SIP 2022-നുള്ള 5 മികച്ച അൾട്രാ ഹ്രസ്വകാല ഡെറ്റ് ഫണ്ടുകൾ

Updated on September 28, 2025 , 3015 views

അൾട്രാ ഹ്രസ്വകാലഡെറ്റ് ഫണ്ട് ഒരു തരം ആകുന്നുമ്യൂച്വൽ ഫണ്ടുകൾ ഒരു ഹ്രസ്വകാലത്തേക്ക് വളരെ അനുയോജ്യമാണ്നിക്ഷേപ പദ്ധതി. ഈ ഫണ്ടുകൾ ശരാശരി 91 ദിവസത്തിൽ കൂടുതൽ കാലാവധിയുള്ള ഡെറ്റ് ഉപകരണങ്ങളിൽ നിക്ഷേപിക്കുന്നു. ഈ ഫണ്ടുകൾ മികച്ച വരുമാനം നൽകുകയും ലിക്വിഡ് ഡെറ്റ് ഫണ്ടുകളേക്കാൾ ഉയർന്ന മെച്യൂരിറ്റി ഉള്ളവയാണ്, എന്നാൽ അതിനേക്കാൾ കൂടുതൽ അസ്ഥിരമാണ്ലിക്വിഡ് ഫണ്ടുകൾ. കുറഞ്ഞ നിക്ഷേപമുള്ള നിക്ഷേപകർറിസ്ക് വിശപ്പ് അൾട്രായിൽ നിക്ഷേപിക്കാൻ പ്രവണത കാണിക്കുന്നുഹ്രസ്വകാല ഫണ്ടുകൾ, മറ്റുള്ളവയേക്കാൾ ഉയർന്ന വിളവ് ഉള്ളതിനാൽമണി മാർക്കറ്റ് ഫണ്ടുകൾ. അതിനാൽ, ഒരു വർഷമോ അതിൽ കുറവോ പണം പാർക്ക് ചെയ്യാൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് ഈ സ്കീമിൽ മികച്ച രീതിയിൽ നിക്ഷേപിക്കാം. മികച്ച വരുമാനം നേടുന്നതിന്, താഴെ ലിസ്‌റ്റ് ചെയ്‌തിരിക്കുന്നവയ്‌ക്കായി ഒരാൾക്ക് ഫണ്ടുകൾ തിരഞ്ഞെടുക്കാംമികച്ച അൾട്രാ ഹ്രസ്വകാല എസ്.ഐ.പി ഫണ്ടുകൾ.

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FY 22 - 23 SIP നിക്ഷേപത്തിനായുള്ള മികച്ച 5 മികച്ച പ്രകടനം നടത്തുന്ന അൾട്രാ 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
Aditya Birla Sun Life Savings Fund Growth	₹557.892 ↑ 0.23	₹21,521	1,000	1.6	3.8	7.8	7.5	7.9	6.76%	5M 8D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.1638 ↑ 0.01	₹16,980	1,000	1.5	3.6	7.4	7.2	7.5	6.66%	4M 20D	7M 2D
Invesco India Ultra Short Term Fund Growth	₹2,739.61 ↑ 0.92	₹1,330	1,000	1.5	3.4	7.2	7	7.5	6.35%	5M 16D	5M 28D
Nippon India Ultra Short Duration Fund Growth	₹4,092 ↑ 1.33	₹11,076	100	1.5	3.4	7.1	6.9	7.2	6.72%	5M 12D	8M 1D
Kotak Savings Fund Growth	₹43.5466 ↑ 0.02	₹15,667	1,000	1.4	3.4	7.1	7	7.2	6.41%	5M 8D	5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Invesco India Ultra Short Term Fund	Nippon India Ultra Short Duration Fund	Kotak Savings Fund
Point 1	Highest AUM (₹21,521 Cr).	Upper mid AUM (₹16,980 Cr).	Bottom quartile AUM (₹1,330 Cr).	Bottom quartile AUM (₹11,076 Cr).	Lower mid AUM (₹15,667 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Established history (14+ yrs).	Oldest track record among peers (23 yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.83% (top quartile).	1Y return: 7.37% (upper mid).	1Y return: 7.17% (lower mid).	1Y return: 7.09% (bottom quartile).	1Y return: 7.08% (bottom quartile).
Point 6	1M return: 0.54% (top quartile).	1M return: 0.54% (upper mid).	1M return: 0.49% (bottom quartile).	1M return: 0.51% (lower mid).	1M return: 0.49% (bottom quartile).
Point 7	Sharpe: 3.66 (top quartile).	Sharpe: 2.88 (upper mid).	Sharpe: 2.79 (lower mid).	Sharpe: 2.31 (bottom quartile).	Sharpe: 2.02 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper 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): 6.76% (top quartile).	Yield to maturity (debt): 6.66% (lower mid).	Yield to maturity (debt): 6.35% (bottom quartile).	Yield to maturity (debt): 6.72% (upper mid).	Yield to maturity (debt): 6.41% (bottom quartile).
Point 10	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.39 yrs (top quartile).	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.45 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.83% (top quartile).
1M return: 0.54% (top quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.76% (top quartile).
Modified duration: 0.44 yrs (upper mid).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.37% (upper mid).
1M return: 0.54% (upper mid).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.39 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,330 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.17% (lower mid).
1M return: 0.49% (bottom quartile).
Sharpe: 2.79 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹11,076 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 7.09% (bottom quartile).
1M return: 0.51% (lower mid).
Sharpe: 2.31 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.72% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).

Kotak Savings Fund

Lower mid AUM (₹15,667 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.08% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.41% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).

*മുകളിൽ മികച്ചവയുടെ ലിസ്റ്റ്അൾട്രാ-ഹ്രസ്വ ഫണ്ടുകൾക്ക് മുകളിൽ AUM/നെറ്റ് അസറ്റുകൾ ഉണ്ട്100 കോടി. ക്രമീകരിച്ചുകഴിഞ്ഞ 1 വർഷത്തെ റിട്ടേൺ.

1. 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 (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.83% (top quartile).
1M return: 0.54% (top quartile).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.76% (top quartile).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.

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 (01 Oct 25)	₹557.892 ↑ 0.23 (0.04 %)
Net Assets (Cr)	₹21,521 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,435
30 Sep 22	₹10,856
30 Sep 23	₹11,624
30 Sep 24	₹12,503
30 Sep 25	₹13,481

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 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.8%
1 Year	7.8%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.21 Yr.
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Monika Gandhi	22 Mar 21	4.45 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	43.9%
Debt	55.85%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	58.06%
Cash Equivalent	25.58%
Government	16.11%

Credit Quality

Rating	Value
AA	30.25%
AAA	69.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹377 Cr	37,500,000
Mankind Pharma Limited Debentures \| -	2%	₹348 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹341 Cr	3,400 ↑ 250
Bharti Telecom Limited Debentures \| -	1%	₹321 Cr	3,200
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹271 Cr	27,000
Bharti Telecom Limited Debentures \| -	1%	₹261 Cr	2,600

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

Upper mid AUM (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.37% (upper mid).
1M return: 0.54% (upper mid).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.39 yrs (top quartile).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).

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 (01 Oct 25)	₹28.1638 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹16,980 on 15 Sep 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.88
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	6.66%
Effective Maturity	7 Months 2 Days
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,444
30 Sep 22	₹10,848
30 Sep 23	₹11,587
30 Sep 24	₹12,439
30 Sep 25	₹13,356

ICICI Prudential Ultra Short Term Fund SIP Returns

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

Returns for ICICI Prudential Ultra Short Term Fund

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

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.6%
1 Year	7.4%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.8 Yr.
Ritesh Lunawat	15 Jun 17	8.22 Yr.

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

Asset Allocation

Asset Class	Value
Cash	51.54%
Debt	48.19%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	52.58%
Cash Equivalent	28.33%
Government	16.18%
Securitized	2.65%

Credit Quality

Rating	Value
AA	18.31%
AAA	81.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	4%	₹731 Cr	72,318,200 ↓ -10,181,800
LIC Housing Finance Ltd Debentures \| -	4%	₹602 Cr	6,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹579 Cr	57,500
Radhakrishna Securitization Trust ** Unlisted bonds \| -	3%	₹450 Cr	450 ↑ 450
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹376 Cr	3,750
Small Industries Development Bank Of India Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Vedanta Limited Debentures \| -	2%	₹300 Cr	30,000
Piramal Finance Limited Debentures \| -	2%	₹276 Cr	27,500
Larsen And Toubro Limited Debentures \| -	1%	₹250 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	1%	₹226 Cr	2,250

3. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,330 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.17% (lower mid).
1M return: 0.49% (bottom quartile).
Sharpe: 2.79 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.49 yrs (upper mid).
Exit load: NIL.

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 (01 Oct 25)	₹2,739.61 ↑ 0.92 (0.03 %)
Net Assets (Cr)	₹1,330 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.79
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	5 Months 28 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,320
30 Sep 22	₹10,666
30 Sep 23	₹11,360
30 Sep 24	₹12,191
30 Sep 25	₹13,066

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 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.4%
1 Year	7.2%
3 Year	7%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.66 Yr.
Vikas Garg	27 Jul 21	4.1 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.44%
Debt	52.25%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	52.83%
Cash Equivalent	35.15%
Government	11.72%

Credit Quality

Rating	Value
AA	19.13%
AAA	80.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	6%	₹73 Cr	7,500,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000,000
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹50 Cr	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 \| -	2%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹25 Cr	2,500,000

4. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹11,076 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 7.09% (bottom quartile).
1M return: 0.51% (lower mid).
Sharpe: 2.31 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.72% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.67 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (01 Oct 25)	₹4,092 ↑ 1.33 (0.03 %)
Net Assets (Cr)	₹11,076 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.31
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.72%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,852
30 Sep 22	₹11,286
30 Sep 23	₹12,030
30 Sep 24	₹12,884
30 Sep 25	₹13,797

Nippon India Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Ultra Short Duration Fund

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

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.4%
1 Year	7.1%
3 Year	6.9%
5 Year	6.6%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.93 Yr.
Kinjal Desai	25 May 18	7.28 Yr.
Akshay Sharma	1 Dec 22	2.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.92%
Debt	55.84%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	67.02%
Cash Equivalent	19.97%
Government	12.76%

Credit Quality

Rating	Value
AA	18.36%
AAA	81.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹487 Cr	48,500
Power Finance Corporation Limited Debentures \| -	3%	₹352 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	2%	₹276 Cr	2,750
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹227 Cr	22,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹201 Cr	20,000
182 Days Tbill Sovereign Bonds \| -	2%	₹200 Cr	20,000,000
India (Republic of) - \| -	2%	₹198 Cr	20,000,000
364 DTB 27112025 Sovereign Bonds \| -	2%	₹198 Cr	20,000,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹195 Cr	1,950 ↑ 700

5. 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

Lower mid AUM (₹15,667 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.08% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.41% (bottom quartile).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.48 yrs (top quartile).
Exit load: NIL.

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (01 Oct 25)	₹43.5466 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹15,667 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	2.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.41%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,347
30 Sep 22	₹10,731
30 Sep 23	₹11,454
30 Sep 24	₹12,268
30 Sep 25	₹13,137

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 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.4%
1 Year	7.1%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.39 Yr.
Manu Sharma	1 Nov 22	2.84 Yr.

Data below for Kotak Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	54.37%
Debt	45.35%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	54.98%
Cash Equivalent	26.27%
Government	17.11%
Securitized	1.35%

Credit Quality

Rating	Value
AA	9.45%
AAA	90.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
8.2% Govt Stock 2025 Sovereign Bonds \| -	5%	₹800 Cr	80,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹688 Cr	68,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹645 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹482 Cr	47,500
Rec Limited Debentures \| -	3%	₹477 Cr	47,500
Mankind Pharma Limited Debentures \| -	2%	₹302 Cr	30,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹243 Cr	25,000,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹241 Cr	25,000,000
Bharti Telecom Limited Debentures \| -	1%	₹226 Cr	2,250
Ptc Radhakrishna Securitisation Trust 28/09/2028(Radhakrishna Trust)** So Unlisted bonds \| -	1%	₹210 Cr	210 ↑ 210

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.