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2022 मध्ये गुंतवणूक करण्यासाठी 5 सर्वोत्कृष्ट अल्प कालावधी (शॉर्ट टर्म) डेट फंड

Updated on October 29, 2025 , 28398 views

सर्वसाधारणपणे, लोकांचा असा विश्वास आहेम्युच्युअल फंड गुंतवणूक दीर्घकालीन गुंतवणूकदारांसाठी असते. बरं, ते खरं नाही! शॉर्ट टर्म फंड किंवा शॉर्ट टर्म नावाची फंडांची एक श्रेणी आहेकर्ज निधी जे गुंतवणूकदारांना त्यांचे पैसे सुलभ ठेवण्याबरोबरच अल्पकालीन गुंतवणूक करण्यास अनुमती देतात. मध्ये विविध अल्प कालावधीचे फंड उपलब्ध असले तरीबाजार, गुंतवणूकदारांना सर्वोत्कृष्ट अल्प कालावधी (शॉर्ट टर्म) डेट फंड शोधण्याची सूचना केली जाते.

सर्वोत्कृष्ट अल्प कालावधी (शॉर्ट टर्म) डेट फंड हे असे फंड आहेत जे गुंतवणूकदारांना कमी कालावधीसाठी, विशेषत: तीन वर्षांसाठी, कमी बाजार जोखमीसह चांगला परतावा मिळविण्यासाठी गुंतवणूक करू देतात. हे फंड अत्यंत योग्य गुंतवणूकदार आहेत ज्यांना कमी जोखमीची भूक आहे जे जलद परतावा आणि स्थिर प्रवाह शोधतातउत्पन्न बाँड मार्केटमधील दैनंदिन बदलांमुळे प्रभावित न होता.

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सर्वोत्कृष्ट अल्प कालावधीचे फंड किंवा शॉर्ट टर्म डेट फंड FY 22 - 23

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Short Term Debt Fund Growth ₹32.7781
↑ 0.01
₹17,9991.43.38.27.98.36.94%2Y 3M 7D3Y 5M 12D
ICICI Prudential Short Term Fund Growth ₹61.579
↑ 0.02
₹22,3391.43.38.27.87.87.27%2Y 7M 10D4Y 10M 20D
Axis Short Term Fund Growth ₹31.6667
↑ 0.01
₹12,1291.43.48.67.886.89%2Y 5M 23D3Y 2M 12D
Nippon India Short Term Fund Growth ₹54.0688
↑ 0.02
₹8,9351.43.38.47.887.04%2Y 6M 18D3Y 2M 19D
Bandhan Bond Fund Short Term Plan Growth ₹58.2912
↑ 0.03
₹10,78212.97.97.77.86.6%2Y 10M 24D3Y 7M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Short Term Debt FundICICI Prudential Short Term FundAxis Short Term FundNippon India Short Term FundBandhan Bond Fund Short Term Plan
Point 1Upper mid AUM (₹17,999 Cr).Highest AUM (₹22,339 Cr).Lower mid AUM (₹12,129 Cr).Bottom quartile AUM (₹8,935 Cr).Bottom quartile AUM (₹10,782 Cr).
Point 2Established history (15+ yrs).Oldest track record among peers (24 yrs).Established history (15+ yrs).Established history (22+ yrs).Established history (24+ yrs).
Point 3Rating: 3★ (lower mid).Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.
Point 51Y return: 8.21% (lower mid).1Y return: 8.19% (bottom quartile).1Y return: 8.58% (top quartile).1Y return: 8.45% (upper mid).1Y return: 7.91% (bottom quartile).
Point 61M return: 0.78% (upper mid).1M return: 0.72% (bottom quartile).1M return: 0.73% (lower mid).1M return: 0.79% (top quartile).1M return: 0.65% (bottom quartile).
Point 7Sharpe: 1.33 (lower mid).Sharpe: 1.43 (upper mid).Sharpe: 1.56 (top quartile).Sharpe: 1.26 (bottom quartile).Sharpe: 0.86 (bottom quartile).
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): 6.94% (lower mid).Yield to maturity (debt): 7.27% (top quartile).Yield to maturity (debt): 6.89% (bottom quartile).Yield to maturity (debt): 7.04% (upper mid).Yield to maturity (debt): 6.60% (bottom quartile).
Point 10Modified duration: 2.27 yrs (top quartile).Modified duration: 2.61 yrs (bottom quartile).Modified duration: 2.48 yrs (upper mid).Modified duration: 2.55 yrs (lower mid).Modified duration: 2.90 yrs (bottom quartile).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹17,999 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.21% (lower mid).
  • 1M return: 0.78% (upper mid).
  • Sharpe: 1.33 (lower 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).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.19% (bottom quartile).
  • 1M return: 0.72% (bottom quartile).
  • Sharpe: 1.43 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 2.61 yrs (bottom quartile).

Axis Short Term Fund

  • Lower mid AUM (₹12,129 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.58% (top quartile).
  • 1M return: 0.73% (lower mid).
  • Sharpe: 1.56 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.89% (bottom quartile).
  • Modified duration: 2.48 yrs (upper mid).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹8,935 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.45% (upper mid).
  • 1M return: 0.79% (top quartile).
  • Sharpe: 1.26 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.04% (upper mid).
  • Modified duration: 2.55 yrs (lower mid).

Bandhan Bond Fund Short Term Plan

  • Bottom quartile AUM (₹10,782 Cr).
  • Established history (24+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.91% (bottom quartile).
  • 1M return: 0.65% (bottom quartile).
  • Sharpe: 0.86 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.60% (bottom quartile).
  • Modified duration: 2.90 yrs (bottom quartile).
*यावर आधारित निधीची यादी करामालमत्ता >= 100 कोटी & क्रमवारी लावली3 वर्षCAGR परत.

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

  • Upper mid AUM (₹17,999 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.21% (lower mid).
  • 1M return: 0.78% (upper mid).
  • Sharpe: 1.33 (lower 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 (lower 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 (31 Oct 25) ₹32.7781 ↑ 0.01   (0.02 %)
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.

DateValue
31 Oct 20₹10,000
31 Oct 21₹10,457
31 Oct 22₹10,757
31 Oct 23₹11,508
31 Oct 24₹12,500

HDFC Short Term Debt 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 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 31 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.4%
6 Month 3.3%
1 Year 8.2%
3 Year 7.9%
5 Year 6.2%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anil Bamboli25 Jun 1015.28 Yr.
Dhruv Muchhal22 Jun 232.28 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.31%
Debt94.42%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate61.48%
Government30.8%
Cash Equivalent4.21%
Securitized3.25%
Credit Quality
RatingValue
AA13.13%
AAA86.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
4%₹781 Cr75,000,000
Aditya Birla Renewables Limited
Debentures | -
2%₹442 Cr43,500
Jubilant Beverages Limited
Debentures | -
2%₹405 Cr38,500
Jtpm Metal TRaders Limited
Debentures | -
2%₹365 Cr36,000
7.26% Govt Stock 2032
Sovereign Bonds | -
2%₹361 Cr34,500,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
2%₹354 Cr350
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹333 Cr32,500
7.11% Govt Stock 2028
Sovereign Bonds | -
2%₹318 Cr31,500,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹256 Cr25,000
Bajaj Housing Finance Limited
Debentures | -
1%₹255 Cr25,000

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).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.19% (bottom quartile).
  • 1M return: 0.72% (bottom quartile).
  • Sharpe: 1.43 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 2.61 yrs (bottom quartile).
  • 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 (31 Oct 25) ₹61.579 ↑ 0.02   (0.04 %)
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.

DateValue
31 Oct 20₹10,000
31 Oct 21₹10,470
31 Oct 22₹10,886
31 Oct 23₹11,662
31 Oct 24₹12,603

ICICI Prudential 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 ₹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 31 Oct 25

DurationReturns
1 Month 0.7%
3 Month 1.4%
6 Month 3.3%
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
YearReturns
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
NameSinceTenure
Manish Banthia19 Nov 0915.88 Yr.
Nikhil Kabra29 Dec 204.76 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.49%
Debt96.25%
Other0.27%
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
AA19.76%
AAA80.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
3%₹765 Cr75,000
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹714 Cr70,187,610
6.99% Govt Stock 2034
Sovereign Bonds | -
3%₹708 Cr69,574,740
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹632 Cr625
National Bank For Agriculture And Rural Development
Debentures | -
3%₹616 Cr60,500
6.82% Govt Stock 2033
Sovereign Bonds | -
2%₹561 Cr54,249,740
↓ -1,062,500
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
2%₹531 Cr525
Vedanta Limited
Debentures | -
2%₹511 Cr51,000
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹429 Cr41,358,430
7.11% Govt Stock 2028
Sovereign Bonds | -
2%₹362 Cr35,888,900
↓ -111,100

3. 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

  • Lower mid AUM (₹12,129 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.58% (top quartile).
  • 1M return: 0.73% (lower mid).
  • Sharpe: 1.56 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.89% (bottom quartile).
  • Modified duration: 2.48 yrs (upper mid).
  • 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 (31 Oct 25) ₹31.6667 ↑ 0.01   (0.03 %)
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.

DateValue
31 Oct 20₹10,000
31 Oct 21₹10,397
31 Oct 22₹10,715
31 Oct 23₹11,411
31 Oct 24₹12,353

Axis 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 ₹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 31 Oct 25

DurationReturns
1 Month 0.7%
3 Month 1.4%
6 Month 3.4%
1 Year 8.6%
3 Year 7.8%
5 Year 6%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Devang Shah5 Nov 1212.91 Yr.
Aditya Pagaria3 Jul 232.25 Yr.

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

Asset Allocation
Asset ClassValue
Cash7.71%
Debt92.04%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate63.65%
Government25.48%
Cash Equivalent8.12%
Securitized2.49%
Credit Quality
RatingValue
AA14.01%
AAA85.99%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
4%₹531 Cr51,000,000
↑ 45,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹306 Cr30,000
↑ 5,000
6.79% Govt Stock 2034
Sovereign Bonds | -
2%₹296 Cr29,126,700
↓ -9,500,000
Power Finance Corporation Limited
Debentures | -
2%₹250 Cr25,000
6.48% Government of India (06/10/2035)
Sovereign Bonds | -
2%₹249 Cr24,833,900
↑ 24,833,900
7.54% Bihar State Development Loans (03/09/2033)
Sovereign Bonds | -
2%₹214 Cr21,000,000
↓ -14,000,000
6.68% Govt Stock 2040
Sovereign Bonds | -
2%₹202 Cr20,418,400
↑ 20,000,000
Indigrid Infrastructure Trust
Debentures | -
2%₹193 Cr19,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹183 Cr18,000
Tata Capital Limited
Debentures | -
1%₹177 Cr1,750

4. 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★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.45% (upper mid).
  • 1M return: 0.79% (top quartile).
  • Sharpe: 1.26 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.04% (upper mid).
  • Modified duration: 2.55 yrs (lower 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 (31 Oct 25) ₹54.0688 ↑ 0.02   (0.05 %)
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.

DateValue
31 Oct 20₹10,000
31 Oct 21₹10,497
31 Oct 22₹10,769
31 Oct 23₹11,480
31 Oct 24₹12,429

Nippon India 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 ₹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 31 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.4%
6 Month 3.3%
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
YearReturns
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
NameSinceTenure
Vivek Sharma1 Feb 205.67 Yr.
Kinjal Desai25 May 187.36 Yr.
Sushil Budhia31 Mar 214.51 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.41%
Debt94.33%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate51.1%
Government41.17%
Securitized4.66%
Cash Equivalent2.82%
Credit Quality
RatingValue
AA13.9%
AAA86.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -
5%₹503 Cr48,000,000
7.02% Govt Stock 2031
Sovereign Bonds | -
4%₹393 Cr38,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
3%₹302 Cr29,000,000
07.17 KA Sdl 2030
Sovereign Bonds | -
3%₹254 Cr25,000,000
07.93 Up SDL 2030
Sovereign Bonds | -
3%₹235 Cr22,500,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
2%₹227 Cr225
7.17 Madhya Pradesh SDL 2031
Sovereign Bonds | -
2%₹208 Cr20,500,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹204 Cr20,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
2%₹202 Cr200
Small Industries Development Bank Of India
Debentures | -
2%₹170 Cr16,500

5. 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

  • Bottom quartile AUM (₹10,782 Cr).
  • Established history (24+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.91% (bottom quartile).
  • 1M return: 0.65% (bottom quartile).
  • Sharpe: 0.86 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • 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 (31 Oct 25) ₹58.2912 ↑ 0.03   (0.04 %)
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.

DateValue
31 Oct 20₹10,000
31 Oct 21₹10,375
31 Oct 22₹10,583
31 Oct 23₹11,284
31 Oct 24₹12,237

Bandhan Bond Fund Short Term Plan 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 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 31 Oct 25

DurationReturns
1 Month 0.6%
3 Month 1%
6 Month 2.9%
1 Year 7.9%
3 Year 7.7%
5 Year 5.7%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Suyash Choudhary11 Mar 1114.57 Yr.
Brijesh Shah10 Jun 241.31 Yr.

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

Asset Allocation
Asset ClassValue
Cash13.62%
Debt86.1%
Other0.28%
Debt Sector Allocation
SectorValue
Government59%
Corporate34.81%
Cash Equivalent5.91%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.02% Govt Stock 2031
Sovereign Bonds | -
40%₹4,272 Cr413,000,000
↓ -500,000
Bajaj Housing Finance Limited
Debentures | -
5%₹482 Cr47,500,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹458 Cr45,000,000
Tata Capital Limited
Debentures | -
4%₹444 Cr44,100,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹306 Cr30,000,000
6.1% Govt Stock 2031
Sovereign Bonds | -
3%₹302 Cr30,500,000
Bajaj Finance Limited
Debentures | -
3%₹302 Cr30,000,000
↑ 2,500,000
LIC Housing Finance Ltd
Debentures | -
3%₹276 Cr27,000,000
5.77% Govt Stock 2030
Sovereign Bonds | -
3%₹270 Cr27,500,000
↑ 27,500,000
Tata Capital Housing Finance Limited
Debentures | -
2%₹254 Cr25,000,000

सर्वोत्कृष्ट अल्प कालावधीच्या कर्ज निधीमध्ये गुंतवणूक का करावी?

या गुंतवणुकीचे अल्पकालीन स्वरूप पाहता, अल्प कालावधी (शॉर्ट टर्म) डेट फंड फार जास्त परतावा देत नाहीत.इक्विटी फंड. तथापि, याची खात्री देणारी अनेक कारणे नक्कीच आहेतगुंतवणूक सर्वोत्तम अल्प कालावधीत (शॉर्ट टर्म) डेट फंड विचारात घेण्यासारखे आहे. त्यापैकी काहींचा समावेश आहे-

  • अल्प कालावधी (शॉर्ट टर्म) डेट फंड हे गुंतवणूकदारांसाठी अत्यंत योग्य पर्याय आहेत जे लिक्विड आणि अल्ट्रापेक्षा किंचित जास्त मॅच्युरिटी असलेली गुंतवणूक करण्यास इच्छुक आहेत.अल्पकालीन कर्ज निधी पण त्याच हाताने फार धोकादायक नाहीत.

  • अल्पमुदतीची गुंतवणूक असल्याने, हा फंड त्यांच्यासाठी अतिशय योग्य आहे ज्यांना 1-3 वर्षांसाठी त्यांची निष्क्रिय रोकड ठेवायची आहे आणि त्यापेक्षा चांगले परतावा मिळवायचा आहे.निश्चित उत्पन्न एफडी सारखे गुंतवणूक पर्याय.

  • विश्लेषणानुसार, अल्पकालीन बाँड फंड दीर्घ मुदतीच्या तुलनेत गुंतलेल्या जोखमीच्या अनुषंगाने अधिक चांगला परतावा देतात.बंध. शॉर्ट ड्युरेशन फंड हे वाढत्या प्रमाणात कमी संवेदनशील असतातमहागाई इतर मध्यवर्ती पेक्षा आणिदीर्घकालीन कर्ज निधी.

  • शेवटी, अल्प कालावधी (शॉर्ट टर्म) डेट फंड अत्यंत तरल असतात, याचा अर्थ गुंतवणूकदारांना त्यांच्या रोख रकमेपर्यंत सहज प्रवेश मिळू शकतो. तथापि, गुंतवणुकीची पूर्तता फार कमी कालावधीत (बहुधा 1 महिना ते 6 महिने) केल्यास या श्रेणीतील काही योजना एक्झिट लोड आकारतात. म्हणून, सर्वोत्कृष्ट शॉर्ट डेट डेट फंड्समध्ये हुशारीने गुंतवणूक करण्याचा सल्ला दिला जातो.

    शॉर्ट डेट फंड्समध्ये ऑनलाइन गुंतवणूक कशी करावी?

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निष्कर्ष

गुंतवणूकदार त्यांच्या गुंतवणूक पोर्टफोलिओमध्ये त्यांच्यानुसार बदल करू शकतातजोखीम प्रोफाइल. रोखे बाजार व्याजदर घसरण्याचा फायदा देत असल्याने, गुंतवणुकीचा कालावधी वाढवून चांगला परतावा मिळू शकतो. येथेच शॉर्ट ड्युरेशन (शॉर्ट टर्म) डेट फंड येतात. हे फंड 2-3 वर्षांच्या कालावधीत दीर्घकालीन परतावा देण्यासाठी डेट मार्केटमध्ये गुंतवणूक करतात. तर, आजच सर्वोत्तम अल्प कालावधीच्या फंडांमध्ये गुंतवणूक करा!

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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