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2022 मध्ये गुंतवणूक करण्यासाठी टॉप 5 सर्वोत्तम कमी जोखीम म्युच्युअल फंड

Updated on September 1, 2025 , 76863 views

साधारणपणे, गुंतवणुकीसाठी नवशिक्या किंवा ज्येष्ठ नागरिक ज्यांना त्यांचा निधी सुरक्षित ठेवायचा आहे ते कमी जोखीम शोधतात.म्युच्युअल फंड. जेव्हा एगुंतवणूकदार त्याला कमी जोखीम असलेल्या म्युच्युअल फंडामध्ये गुंतवणूक करायची आहे कारण त्याला त्याचे पैसे सुरक्षित करायचे असतात किंवा कमी कालावधीत इष्टतम परतावा मिळवायचा असतो.

low-risk-mf

म्हणून, जर तुम्ही त्यापैकी एक असाल तर तुम्ही अधिक वाचू शकता

लो रिस्क इन्व्हेस्टमेंट फंड म्हणजे काय?

अनेक गुंतवणूकदार उत्सुक आहेतगुंतवणूक म्युच्युअल फंडांमध्ये ते जास्त परतावा देतात आणि मुदत ठेवींसारख्या इतर साधनांपेक्षा अधिक करक्षम असतात. परंतु, जोखीम-प्रतिरोधक गुंतवणूकदारांचा विचार केल्यास, हे असे गुंतवणूकदार आहेत जे सुरक्षित परतावा शोधत आहेत आणि गुंतवणूकीतील जोखीम सहन करू शकत नाहीत. तसेच, जोखीम-प्रतिरोधक गुंतवणूकदार गुंतवणूक करण्यास प्राधान्य देणार नाहीइक्विटी, कारण ते अत्यंत धोकादायक फंड आहेत.

कर्ज निधी जोखीम-प्रतिरोधक किंवा अगदी इच्छुक असलेल्या नवशिक्या गुंतवणूकदारासाठी उपयुक्त आहेतम्युच्युअल फंडात गुंतवणूक करा. जसे डेट फंड सरकारमध्ये गुंतवणूक करतातबंध,मनी मार्केट फंड, इत्यादी, ते तुलनेने अधिक सुरक्षित आहेत. डेट फंडाचे विविध प्रकार आहेत जसेलिक्विड फंड, अति-अल्पकालीन निधी, शॉर्ट टर्म फंड, डायनॅमिक बॉण्ड्स, गिल्ट्स फंड इ., जे जोखमींमध्ये भिन्न असतात.दीर्घकालीन कर्ज निधी हे धोकादायक फंड आहेत, त्यामुळे गुंतवणूकदारांना कमी-जोखीम भूक या फंडांमध्ये गुंतवणूक करणे टाळावे.

लिक्विड फंड आणि अल्ट्रा-शॉर्ट टर्म फंड हे सर्वात कमी जोखमीचे फंड आहेत ज्यांचा उद्देश अल्प कालावधीसाठी इष्टतम परतावा निर्माण करणे आहे. अशा प्रकारे एक नवशिक्या गुंतवणूकदार ज्याला त्यांच्या निष्क्रिय पैशावर कमी कालावधीत चांगले परतावा मिळवायचा आहे ते येथे गुंतवणूक करू शकतात.

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सर्वोत्तम कमी जोखीम म्युच्युअल फंड FY 22 - 23

लिक्विड फंड

लिक्विड फंड अशा सिक्युरिटीजमध्ये गुंतवणूक करतात ज्यांचा परिपक्वता कालावधी कमी असतो, साधारणतः त्यापेक्षा कमी असतो91 दिवस. हे निधी सहज प्रदान करताततरलता आणि इतर प्रकारच्या कर्ज साधनांपेक्षा कमीत कमी अस्थिर असतात. तसेच, पारंपारिकपेक्षा द्रव हा एक चांगला पर्याय आहेबँक बचत खाते. बँक खात्याच्या तुलनेत, लिक्विड फंड वार्षिक व्याजाच्या 7-8% देतात. ज्या गुंतवणूकदारांना जोखीममुक्त गुंतवणूक हवी आहे ते आदर्शपणे या फंडांमध्ये गुंतवणूक करण्यास प्राधान्य देऊ शकतात. येथे शीर्ष 5 आहेतसर्वोत्तम लिक्विड फंड.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Indiabulls Liquid Fund Growth ₹2,550.7
↑ 0.40
₹3931.53.376.97.45.77%1M 10D1M 11D
PGIM India Insta Cash Fund Growth ₹343.338
↑ 0.05
₹5131.53.36.977.35.81%1M 15D1M 17D
JM Liquid Fund Growth ₹71.9506
↑ 0.01
₹3,2251.43.36.86.97.25.77%1M 5D1M 7D
Axis Liquid Fund Growth ₹2,936.66
↑ 0.46
₹36,7571.53.3777.45.85%1M 12D1M 15D
Invesco India Liquid Fund Growth ₹3,624.97
↑ 0.54
₹14,2401.53.36.977.45.78%1M 9D1M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryIndiabulls Liquid Fund PGIM India Insta Cash FundJM Liquid FundAxis Liquid FundInvesco India Liquid Fund
Point 1Bottom quartile AUM (₹393 Cr).Bottom quartile AUM (₹513 Cr).Lower mid AUM (₹3,225 Cr).Highest AUM (₹36,757 Cr).Upper mid AUM (₹14,240 Cr).
Point 2Established history (13+ yrs).Established history (18+ yrs).Oldest track record among peers (27 yrs).Established history (15+ yrs).Established history (18+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.96% (upper mid).1Y return: 6.94% (lower mid).1Y return: 6.81% (bottom quartile).1Y return: 6.96% (top quartile).1Y return: 6.93% (bottom quartile).
Point 61M return: 0.47% (top quartile).1M return: 0.47% (lower mid).1M return: 0.46% (bottom quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).
Point 7Sharpe: 3.05 (bottom quartile).Sharpe: 3.30 (lower mid).Sharpe: 2.80 (bottom quartile).Sharpe: 3.64 (top quartile).Sharpe: 3.63 (upper mid).
Point 8Information ratio: -1.37 (bottom quartile).Information ratio: -0.82 (lower mid).Information ratio: -2.27 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).
Point 9Yield to maturity (debt): 5.77% (bottom quartile).Yield to maturity (debt): 5.81% (upper mid).Yield to maturity (debt): 5.77% (bottom quartile).Yield to maturity (debt): 5.85% (top quartile).Yield to maturity (debt): 5.78% (lower mid).
Point 10Modified duration: 0.11 yrs (lower mid).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.10 yrs (top quartile).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.96% (upper mid).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.11 yrs (lower mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹513 Cr).
  • Established history (18+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.94% (lower mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.30 (lower mid).
  • Information ratio: -0.82 (lower mid).
  • Yield to maturity (debt): 5.81% (upper mid).
  • Modified duration: 0.13 yrs (bottom quartile).

JM Liquid Fund

  • Lower mid AUM (₹3,225 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.81% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.80 (bottom quartile).
  • Information ratio: -2.27 (bottom quartile).
  • Yield to maturity (debt): 5.77% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).

Axis Liquid Fund

  • Highest AUM (₹36,757 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.96% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.64 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 5.85% (top quartile).
  • Modified duration: 0.12 yrs (bottom quartile).

Invesco India Liquid Fund

  • Upper mid AUM (₹14,240 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.93% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.63 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.78% (lower mid).
  • Modified duration: 0.11 yrs (upper mid).

अल्ट्रा शॉर्ट टर्म फंड

हे फंड ट्रेझरी बिले, कमर्शियल पेपर्स, डिपॉझिट्सचे प्रमाणपत्र आणि कॉर्पोरेट बाँड्स यांसारख्या डेट इन्स्ट्रुमेंट्सच्या संयोजनात गुंतवणूक करतात. या फंडांमध्ये कमी अवशिष्ट परिपक्वता असते6 महिने ते 1 वर्ष.अल्ट्रा शॉर्ट टर्म फंड खूप कमी सह चांगले परतावा देतातबाजार अस्थिरता लिक्विड फंडांपेक्षा चांगले परतावा शोधणाऱ्या नवख्या गुंतवणूकदारांनी या फंडांमध्ये गुंतवणूक करण्यास प्राधान्य दिले पाहिजे कारण ते लिक्विड फंडांपेक्षा चांगले परतावा देतात. येथे शीर्ष 5 सर्वोत्तम अल्ट्रा-शॉर्ट टर्म फंड आहेत.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹555.061
↑ 0.07
₹20,7951.74.17.97.47.96.6%5M 26D7M 2D
UTI Ultra Short Term Fund Growth ₹4,284.19
↑ 0.53
₹4,3371.53.67.16.87.26.42%5M 19D6M 10D
BOI AXA Ultra Short Duration Fund Growth ₹3,193.9
↑ 0.36
₹2131.43.56.86.56.76.07%5M 16D5M 23D
Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84
₹180.81.54.26.2 3.23%1D1D
ICICI Prudential Ultra Short Term Fund Growth ₹28.0213
↑ 0.00
₹16,3821.63.97.47.17.56.63%4M 24D7M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Savings FundUTI Ultra Short Term FundBOI AXA Ultra Short Duration FundIndiabulls Ultra Short Term FundICICI Prudential Ultra Short Term Fund
Point 1Highest AUM (₹20,795 Cr).Lower mid AUM (₹4,337 Cr).Bottom quartile AUM (₹213 Cr).Bottom quartile AUM (₹18 Cr).Upper mid AUM (₹16,382 Cr).
Point 2Oldest track record among peers (22 yrs).Established history (22+ yrs).Established history (17+ yrs).Established history (13+ yrs).Established history (14+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 7.92% (top quartile).1Y return: 7.11% (lower mid).1Y return: 6.82% (bottom quartile).1Y return: 4.17% (bottom quartile).1Y return: 7.44% (upper mid).
Point 61M return: 0.47% (top quartile).1M return: 0.44% (lower mid).1M return: 0.41% (bottom quartile).1M return: 0.24% (bottom quartile).1M return: 0.47% (upper mid).
Point 7Sharpe: 3.76 (top quartile).Sharpe: 2.14 (lower mid).Sharpe: 1.10 (bottom quartile).Sharpe: 0.98 (bottom quartile).Sharpe: 2.80 (upper mid).
Point 8Information 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 9Yield to maturity (debt): 6.60% (upper mid).Yield to maturity (debt): 6.42% (lower mid).Yield to maturity (debt): 6.07% (bottom quartile).Yield to maturity (debt): 3.23% (bottom quartile).Yield to maturity (debt): 6.63% (top quartile).
Point 10Modified duration: 0.49 yrs (bottom quartile).Modified duration: 0.47 yrs (bottom quartile).Modified duration: 0.46 yrs (lower mid).Modified duration: 0.00 yrs (top quartile).Modified duration: 0.40 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹20,795 Cr).
  • Oldest track record among peers (22 yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.92% (top quartile).
  • 1M return: 0.47% (top quartile).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.60% (upper mid).
  • Modified duration: 0.49 yrs (bottom quartile).

UTI Ultra Short Term Fund

  • Lower mid AUM (₹4,337 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.11% (lower mid).
  • 1M return: 0.44% (lower mid).
  • Sharpe: 2.14 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.42% (lower mid).
  • Modified duration: 0.47 yrs (bottom quartile).

BOI AXA Ultra Short Duration Fund

  • Bottom quartile AUM (₹213 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.82% (bottom quartile).
  • 1M return: 0.41% (bottom quartile).
  • Sharpe: 1.10 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.07% (bottom quartile).
  • Modified duration: 0.46 yrs (lower mid).

Indiabulls Ultra Short Term Fund

  • Bottom quartile AUM (₹18 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.17% (bottom quartile).
  • 1M return: 0.24% (bottom quartile).
  • Sharpe: 0.98 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 3.23% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹16,382 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.44% (upper mid).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.63% (top quartile).
  • Modified duration: 0.40 yrs (upper mid).

1. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (top quartile).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.10 yrs (top quartile).
  • Average maturity: 0.11 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (28 Jul 23) ₹2,454.04 ↑ 0.35   (0.01 %)
Net Assets (Cr) ₹503 on 30 Jun 23
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio 0.2
Information Ratio -5.96
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,338
31 Aug 22₹10,745

IDBI Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI Liquid Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.4%
1 Year 6.6%
3 Year 4.5%
5 Year 5.3%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Liquid Fund
NameSinceTenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

2. 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 (₹20,795 Cr).
  • Oldest track record among peers (22 yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.92% (top quartile).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.60% (bottom quartile).
  • Modified duration: 0.49 yrs (bottom quartile).
  • Average maturity: 0.59 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Conservative stance with elevated cash (~44%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~2.9%).

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 (03 Sep 25) ₹555.061 ↑ 0.07   (0.01 %)
Net Assets (Cr) ₹20,795 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.76
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.6%
Effective Maturity 7 Months 2 Days
Modified Duration 5 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,454
31 Aug 22₹10,863
31 Aug 23₹11,610
31 Aug 24₹12,473
31 Aug 25₹13,462

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.1%
1 Year 7.9%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 1411.21 Yr.
Kaustubh Gupta15 Jul 1114.14 Yr.
Monika Gandhi22 Mar 214.45 Yr.

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

Asset Allocation
Asset ClassValue
Cash43.54%
Debt56.21%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate63.99%
Cash Equivalent23.22%
Government12.53%
Credit Quality
RatingValue
AA30.21%
AAA69.91%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹488 Cr48,500
91 Days Tbill Red 30-10-2025
Sovereign Bonds | -
2%₹415 Cr42,000,000
07.22 GJ Sdl 2028
Sovereign Bonds | -
2%₹378 Cr37,500,000
Bharti Telecom Limited
Debentures | -
2%₹361 Cr3,600
Mankind Pharma Limited
Debentures | -
2%₹349 Cr34,500
Bharti Telecom Limited
Debentures | -
1%₹321 Cr3,200
National Bank For Agriculture And Rural Development
Debentures | -
1%₹316 Cr3,150
Avanse Financial Services Limited
Debentures | -
1%₹301 Cr30,000
Power Finance Corporation Limited
Debentures | -
1%₹298 Cr30,000

3. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

  • Bottom quartile AUM (₹146 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (bottom quartile).
  • 1M return: 0.52% (upper mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.83% (top quartile).
  • Modified duration: 0.19 yrs (upper mid).
  • Average maturity: 0.23 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund
Growth
Launch Date 3 Sep 10
NAV (28 Jul 23) ₹2,424.68 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹146 on 30 Jun 23
Category Debt - Ultrashort Bond
AMC IDBI Asset Management Limited
Rating
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio -0.57
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.83%
Effective Maturity 2 Months 23 Days
Modified Duration 2 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,388
31 Aug 22₹10,824

IDBI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI Ultra Short Term Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.4%
1 Year 6.4%
3 Year 4.8%
5 Year 5.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Ultra Short Term Fund
NameSinceTenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

4. 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 (₹16,382 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.44% (upper mid).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.63% (lower mid).
  • Modified duration: 0.40 yrs (lower mid).
  • Average maturity: 0.60 yrs (bottom quartile).
  • Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
  • Top sector: Energy.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~51%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.11% Govt Stock 2028 (~4.9%).

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 (03 Sep 25) ₹28.0213 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹16,382 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.8
Sharpe Ratio 2.8
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 6.63%
Effective Maturity 7 Months 6 Days
Modified Duration 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,458
31 Aug 22₹10,855
31 Aug 23₹11,576
31 Aug 24₹12,413
31 Aug 25₹13,338

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for ICICI Prudential Ultra Short Term Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.9%
1 Year 7.4%
3 Year 7.1%
5 Year 5.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 168.8 Yr.
Ritesh Lunawat15 Jun 178.22 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash51%
Debt48.73%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate56.96%
Cash Equivalent25.24%
Government17.52%
Credit Quality
RatingValue
AA16.19%
AAA83.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.11% Govt Stock 2028
Sovereign Bonds | -
5%₹834 Cr82,500,000
LIC Housing Finance Ltd
Debentures | -
4%₹602 Cr6,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹581 Cr57,500
182 Days Tbill
Sovereign Bonds | -
3%₹498 Cr50,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹377 Cr3,750
Vedanta Limited
Debentures | -
2%₹301 Cr30,000
Piramal Finance Limited
Debentures | -
2%₹276 Cr27,500
Small Industries Development Bank Of India
Debentures | -
1%₹252 Cr25,000
Larsen And Toubro Limited
Debentures | -
1%₹251 Cr25,000
LIC Housing Finance Ltd
Debentures | -
1%₹226 Cr2,250

5. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

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

Research Highlights for Invesco India Ultra Short Term Fund

  • Lower mid AUM (₹1,191 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 7.29% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 2.75 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.23% (bottom quartile).
  • Modified duration: 0.44 yrs (bottom quartile).
  • Average maturity: 0.47 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~52%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Small Industries Development Bank Of India (~4.2%).

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund
Growth
Launch Date 30 Dec 10
NAV (03 Sep 25) ₹2,726.9 ↑ 0.39   (0.01 %)
Net Assets (Cr) ₹1,191 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 2.75
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.23%
Effective Maturity 5 Months 19 Days
Modified Duration 5 Months 9 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,328
31 Aug 22₹10,663
31 Aug 23₹11,332
31 Aug 24₹12,145
31 Aug 25₹13,033

Invesco India Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Invesco India Ultra Short Term Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.7%
1 Year 7.3%
3 Year 6.9%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Krishna Cheemalapati4 Jan 205.66 Yr.
Vikas Garg27 Jul 214.1 Yr.

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

Asset Allocation
Asset ClassValue
Cash52.03%
Debt47.64%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate53.64%
Cash Equivalent37.75%
Government8.28%
Credit Quality
RatingValue
AA21.95%
AAA78.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
4%₹50 Cr5,000,000
↑ 5,000,000
91 Days Tbill Red 30-10-2025
Sovereign Bonds | -
4%₹49 Cr5,000,000
India (Republic of)
- | -
4%₹49 Cr5,000,000
Summit Digitel Infrastructure Limited
Debentures | -
3%₹40 Cr4,000,000
Sundaram Home Finance Limited
Debentures | -
3%₹35 Cr3,500,000
↑ 3,500,000
Power Finance Corporation Limited
Debentures | -
2%₹25 Cr2,500,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹25 Cr2,500,000
↑ 2,500,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹25 Cr2,500,000
ICICI Home Finance Company Limited
Debentures | -
2%₹25 Cr2,500,000
Rural Electrification Corporation Limited
Debentures | -
2%₹25 Cr2,500,000

सतत विचारले जाणारे प्रश्न

1. मी सर्वोत्तम फंड कसा निवडू शकतो?

ए. गुंतवणूकीची निवड विविध घटकांवर आधारित असते, जसे की फंड व्यवस्थापक, ऐतिहासिक परतावा, शुल्क आणि भार, गुंतवणूक शैली, गुंतवणुकीचे उद्दिष्ट, गुंतवणुकीचे क्षितिज आणि बरेच काही. अशा प्रकारे, सर्वोत्कृष्ट निधी निवडण्यासाठी, आपण प्रत्येक महत्त्वाच्या गोष्टींचे विश्लेषण केल्याची खात्री कराघटक पुढे जाण्यापूर्वी सावधपणे.

2. सर्वात कमी जोखीम असलेला योग्य गुंतवणूक प्रकार कोणता आहे?

ए. च्या अप्रत्याशित परिस्थितीमुळेअर्थव्यवस्था आणि गुंतवणुकीच्या विविध पर्यायांची उपलब्धता, सुरक्षित पर्यायाचे मूल्यांकन करणे खूप कठीण आहे. तथापि, तुम्ही विचार करू शकता अशा काही पर्यायांमध्ये बँक मुदत ठेवी, म्युनिसिपल बॉण्ड्स, ठेवींचे प्रमाणपत्र आणि बरेच काही समाविष्ट आहे.

3. म्युच्युअल फंड कॅल्क्युलेटरचा उपयोग काय आहे?

ए.म्युच्युअल फंड कॅल्क्युलेटर गुंतवणूकीच्या क्षितिजानुसार परताव्याचे मूल्यमापन करून परिपक्वतेवर गुंतवणूक मूल्य देते. तुमचे फायदे जाणून घेण्यासाठी तुम्ही कॅल्क्युलेटरचे वेगवेगळे व्हेरिएबल्स सेट करू शकता, जसे की कालावधी, अपेक्षित परतावा दर, वारंवारता, गुंतवणूक रक्कम आणि बरेच काही.

4. मी किती गुंतवणूक करू शकतो?

ए. रक्कम प्रामुख्याने तुमच्या गरजा, बजेट आणि गुंतवणुकीची उद्दिष्टे यावर अवलंबून असते. तथापि, लक्षात ठेवा की रक्कम कितीही असली तरीही तुम्ही फक्त अतिरिक्त पैसे गुंतवता.

5. गुंतवणुकीसाठी योग्य वेळ आहे का?

ए. गुंतवणुकीसाठी योग्य वेळ नाही. चांगल्या आणि उत्तम परताव्यासाठी, अशी शिफारस केली जाते की तुम्ही लगेचच गुंतवणूक सुरू करावी.

6. म्युच्युअल फंडात गुंतवणूक करण्यासाठी मला बँक खाते आवश्यक आहे का?

ए. होय, KYC/ सह बँक खाते असणे आवश्यक आहेcKYC,आधार कार्ड आणिपॅन कार्ड म्युच्युअल फंडात गुंतवणूक करणे.

7. निधी व्यवस्थापकाशी संपर्क साधणे आवश्यक आहे का?

ए. होय! म्युच्युअल फंडात गुंतवणूक करताना, चांगली कामगिरी निर्माण करण्यासाठी अनुभव महत्त्वाची भूमिका बजावतो. अनुभव जितका अधिक असेल तितका चांगला परतावा मिळण्याची शक्यता असेल. अशा प्रकारे, तुम्ही अनुभवी फंड मॅनेजरच्या संपर्कात असल्याची खात्री करा.

8. मी माझे गुंतवलेले पैसे काढू शकतो का?

ए. म्युच्युअल फंडातील बहुतांश योजना या ओपन-एंड योजना असतात. हे तुम्हाला गुंतवलेली संपूर्ण रक्कम कोणत्याही वेळी काढू देते. तथापि, अशा काही परिस्थिती असू शकतात जिथे तुम्हाला निर्बंध येऊ शकतात.

9. मी लवकर पैसे काढल्यास मला कोणताही दंड भरावा लागेल का?

ए. तुम्ही ओपन-एंड योजनांमध्ये गुंतवणूक केली असल्यास, तुम्हाला कदाचित दंड भरावा लागणार नाही. तथापि, काही योजना इतरांसारख्या तरल नसतील. त्यामुळे, गुंतवणूक करण्यापूर्वी तुम्हाला हा घटक पुन्हा तपासावा लागेल.

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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