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

Updated on August 8, 2025 , 28160 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
ICICI Prudential Short Term Fund Growth ₹60.7622
↓ 0.00
₹21,49124.88.67.97.87.18%1Y 11M 23D3Y 5M 12D
HDFC Short Term Debt Fund Growth ₹32.3419
↑ 0.00
₹17,40224.78.87.88.36.88%2Y 6M 11D3Y 9M 11D
Axis Short Term Fund Growth ₹31.2508
↑ 0.01
₹11,4672597.686.8%2Y 2M 19D2Y 8M 12D
Nippon India Short Term Fund Growth ₹53.3816
↑ 0.02
₹8,33024.997.687.03%2Y 8M 8D3Y 4M 28D
UTI Short Term Income Fund Growth ₹32.0234
↑ 0.00
₹3,2811.94.58.57.67.96.76%2Y 7M 6D3Y 3M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Short Term FundHDFC Short Term Debt FundAxis Short Term FundNippon India Short Term FundUTI Short Term Income Fund
Point 1Highest AUM (₹21,491 Cr).Upper mid AUM (₹17,402 Cr).Lower mid AUM (₹11,467 Cr).Bottom quartile AUM (₹8,330 Cr).Bottom quartile AUM (₹3,281 Cr).
Point 2Oldest track record among peers (23 yrs).Established history (15+ yrs).Established history (15+ yrs).Established history (22+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 4★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 8.59% (bottom quartile).1Y return: 8.78% (lower mid).1Y return: 9.04% (top quartile).1Y return: 9.01% (upper mid).1Y return: 8.53% (bottom quartile).
Point 61M return: 0.40% (upper mid).1M return: 0.35% (bottom quartile).1M return: 0.38% (lower mid).1M return: 0.41% (top quartile).1M return: 0.32% (bottom quartile).
Point 7Sharpe: 2.27 (upper mid).Sharpe: 2.20 (lower mid).Sharpe: 2.32 (top quartile).Sharpe: 2.14 (bottom quartile).Sharpe: 1.89 (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): 7.18% (top quartile).Yield to maturity (debt): 6.88% (lower mid).Yield to maturity (debt): 6.80% (bottom quartile).Yield to maturity (debt): 7.03% (upper mid).Yield to maturity (debt): 6.76% (bottom quartile).
Point 10Modified duration: 1.98 yrs (top quartile).Modified duration: 2.53 yrs (lower mid).Modified duration: 2.22 yrs (upper mid).Modified duration: 2.69 yrs (bottom quartile).Modified duration: 2.60 yrs (bottom quartile).

ICICI Prudential Short Term Fund

  • Highest AUM (₹21,491 Cr).
  • Oldest track record among peers (23 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.59% (bottom quartile).
  • 1M return: 0.40% (upper mid).
  • Sharpe: 2.27 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.18% (top quartile).
  • Modified duration: 1.98 yrs (top quartile).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹17,402 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.78% (lower mid).
  • 1M return: 0.35% (bottom quartile).
  • Sharpe: 2.20 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.88% (lower mid).
  • Modified duration: 2.53 yrs (lower mid).

Axis Short Term Fund

  • Lower mid AUM (₹11,467 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 9.04% (top quartile).
  • 1M return: 0.38% (lower mid).
  • Sharpe: 2.32 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.80% (bottom quartile).
  • Modified duration: 2.22 yrs (upper mid).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹8,330 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 9.01% (upper mid).
  • 1M return: 0.41% (top quartile).
  • Sharpe: 2.14 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.03% (upper mid).
  • Modified duration: 2.69 yrs (bottom quartile).

UTI Short Term Income Fund

  • Bottom quartile AUM (₹3,281 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.53% (bottom quartile).
  • 1M return: 0.32% (bottom quartile).
  • Sharpe: 1.89 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 2.60 yrs (bottom quartile).
*यावर आधारित निधीची यादी करामालमत्ता >= 100 कोटी & क्रमवारी लावली3 वर्षCAGR परत.

1. 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 (₹21,491 Cr).
  • Oldest track record among peers (23 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.59% (bottom quartile).
  • 1M return: 0.40% (upper mid).
  • Sharpe: 2.27 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.18% (top quartile).
  • Modified duration: 1.98 yrs (top quartile).
  • Average maturity: 3.45 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 (08 Aug 25) ₹60.7622 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹21,491 on 30 Jun 25
Category Debt - Short term Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.11
Sharpe Ratio 2.27
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 7.18%
Effective Maturity 3 Years 5 Months 12 Days
Modified Duration 1 Year 11 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,511
31 Jul 22₹10,878
31 Jul 23₹11,684
31 Jul 24₹12,575
31 Jul 25₹13,679

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 8 Aug 25

DurationReturns
1 Month 0.4%
3 Month 2%
6 Month 4.8%
1 Year 8.6%
3 Year 7.9%
5 Year 6.5%
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 0915.71 Yr.
Nikhil Kabra29 Dec 204.59 Yr.

Data below for ICICI Prudential Short Term Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash5.88%
Debt93.85%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate68.55%
Government26.61%
Cash Equivalent4.56%
Credit Quality
RatingValue
AA20.19%
AAA79.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.81% Govt Stock 2033
Sovereign Bonds | -
5%₹1,157 Cr111,312,240
LIC Housing Finance Ltd
Debentures | -
3%₹763 Cr75,000
↑ 15,000
6.99% Govt Stock 2034
Sovereign Bonds | -
3%₹712 Cr69,574,740
National Bank For Agriculture And Rural Development
Debentures | -
3%₹556 Cr55,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹515 Cr50,500
Vedanta Limited
Debentures | -
2%₹511 Cr51,000
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹406 Cr38,858,430
↓ -5,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹374 Cr37,000
Small Industries Development Bank Of India
Debentures | -
2%₹369 Cr36,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹354 Cr35,000

2. 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 (₹17,402 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.78% (lower mid).
  • 1M return: 0.35% (bottom quartile).
  • Sharpe: 2.20 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.88% (lower mid).
  • Modified duration: 2.53 yrs (lower mid).
  • Average maturity: 3.78 yrs (bottom quartile).
  • 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 (08 Aug 25) ₹32.3419 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹17,402 on 30 Jun 25
Category Debt - Short term Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.71
Sharpe Ratio 2.2
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.88%
Effective Maturity 3 Years 9 Months 11 Days
Modified Duration 2 Years 6 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,530
31 Jul 22₹10,824
31 Jul 23₹11,560
31 Jul 24₹12,457
31 Jul 25₹13,573

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 8 Aug 25

DurationReturns
1 Month 0.3%
3 Month 2%
6 Month 4.7%
1 Year 8.8%
3 Year 7.8%
5 Year 6.3%
10 Year
15 Year
Since launch 8.1%
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 1015.11 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.

Data below for HDFC Short Term Debt Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash10.51%
Debt89.22%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate62.75%
Government29.88%
Cash Equivalent7.1%
Credit Quality
RatingValue
AA12.32%
AAA87.68%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
5%₹866 Cr82,500,000
Aditya Birla Renewables Limited
Debentures | -
2%₹445 Cr43,500
7.11% Govt Stock 2028
Sovereign Bonds | -
2%₹420 Cr41,500,000
Jubilant Beverages Limited
Debentures | -
2%₹395 Cr38,500
7.26% Govt Stock 2032
Sovereign Bonds | -
2%₹364 Cr34,500,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹334 Cr32,500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹257 Cr25,000
Bajaj Housing Finance Limited
Debentures | -
1%₹256 Cr25,000
Pipeline Infrastructure Limited
Debentures | -
1%₹254 Cr24,500
Power Finance Corporation Limited
Debentures | -
1%₹249 Cr25,000

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 (₹11,467 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 9.04% (top quartile).
  • 1M return: 0.38% (lower mid).
  • Sharpe: 2.32 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.80% (bottom quartile).
  • Modified duration: 2.22 yrs (upper mid).
  • Average maturity: 2.70 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 (08 Aug 25) ₹31.2508 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹11,467 on 30 Jun 25
Category Debt - Short term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.92
Sharpe Ratio 2.32
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.8%
Effective Maturity 2 Years 8 Months 12 Days
Modified Duration 2 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,461
31 Jul 22₹10,774
31 Jul 23₹11,465
31 Jul 24₹12,305
31 Jul 25₹13,437

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 8 Aug 25

DurationReturns
1 Month 0.4%
3 Month 2%
6 Month 5%
1 Year 9%
3 Year 7.6%
5 Year 6.1%
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 1212.74 Yr.
Aditya Pagaria3 Jul 232.08 Yr.

Data below for Axis Short Term Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash12.22%
Debt87.51%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate71.34%
Government20.81%
Cash Equivalent7.59%
Credit Quality
RatingValue
AA13.82%
AAA86.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹521 Cr51,000
↑ 10,000
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹387 Cr37,626,700
↑ 25,000,000
Power Finance Corporation Limited
Debentures | -
3%₹299 Cr30,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹265 Cr26,000
Rec Limited
Debentures | -
2%₹264 Cr25,854
Indigrid Infrastructure Trust
Debentures | -
2%₹193 Cr19,000
India (Republic of) 6.28%
Sovereign Bonds | -
2%₹187 Cr18,737,200
↑ 18,737,200
Rec Limited
Debentures | -
2%₹179 Cr17,500
Tata Capital Limited
Debentures | -
2%₹178 Cr1,750
↑ 750
Small Industries Development Bank Of India
Debentures | -
2%₹177 Cr17,500
↑ 12,500

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 (₹8,330 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 9.01% (upper mid).
  • 1M return: 0.41% (top quartile).
  • Sharpe: 2.14 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.03% (upper mid).
  • Modified duration: 2.69 yrs (bottom quartile).
  • Average maturity: 3.41 yrs (lower 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 (08 Aug 25) ₹53.3816 ↑ 0.02   (0.04 %)
Net Assets (Cr) ₹8,330 on 30 Jun 25
Category Debt - Short term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 2.14
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.03%
Effective Maturity 3 Years 4 Months 28 Days
Modified Duration 2 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,563
31 Jul 22₹10,846
31 Jul 23₹11,534
31 Jul 24₹12,384
31 Jul 25₹13,518

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 8 Aug 25

DurationReturns
1 Month 0.4%
3 Month 2%
6 Month 4.9%
1 Year 9%
3 Year 7.6%
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 205.5 Yr.
Kinjal Desai25 May 187.19 Yr.
Sushil Budhia31 Mar 214.34 Yr.

Data below for Nippon India Short Term Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash4.98%
Debt94.74%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate60.76%
Government35.35%
Cash Equivalent3.61%
Credit Quality
RatingValue
AA11.73%
AAA88.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -
6%₹506 Cr48,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
5%₹486 Cr46,500,000
7.02% Govt Stock 2031
Sovereign Bonds | -
3%₹260 Cr25,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹225 Cr22,000
7.17% State Government Securities
Sovereign Bonds | -
2%₹211 Cr20,500,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹204 Cr20,000
Bajaj Housing Finance Limited
Debentures | -
2%₹175 Cr17,500
Small Industries Development Bank Of India
Debentures | -
2%₹170 Cr16,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹170 Cr16,500
Can Fin Homes Limited
Debentures | -
2%₹168 Cr16,500

5. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Short Term Income Fund

  • Bottom quartile AUM (₹3,281 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.53% (bottom quartile).
  • 1M return: 0.32% (bottom quartile).
  • Sharpe: 1.89 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.76% (bottom quartile).
  • Modified duration: 2.60 yrs (bottom quartile).
  • Average maturity: 3.28 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund
Growth
Launch Date 19 Sep 07
NAV (08 Aug 25) ₹32.0234 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹3,281 on 30 Jun 25
Category Debt - Short term Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio 1.89
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.76%
Effective Maturity 3 Years 3 Months 11 Days
Modified Duration 2 Years 7 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,463
31 Jul 22₹11,250
31 Jul 23₹12,012
31 Jul 24₹12,897
31 Jul 25₹14,013

UTI Short Term Income Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month 0.3%
3 Month 1.9%
6 Month 4.5%
1 Year 8.5%
3 Year 7.6%
5 Year 7%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 6.9%
2022 3.8%
2021 8.4%
2020 10.5%
2019 -3.9%
2018 6%
2017 6.1%
2016 10.1%
2015 8.3%
Fund Manager information for UTI Short Term Income Fund
NameSinceTenure
Anurag Mittal8 Apr 250.31 Yr.
Sudhir Agarwal25 Oct 1212.77 Yr.

Data below for UTI Short Term Income Fund as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash10.01%
Debt89.77%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate65.05%
Government28.97%
Cash Equivalent5.77%
Credit Quality
RatingValue
AA9.59%
AAA90.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹314 Cr3,050,000,000
National Housing Bank
Debentures | -
5%₹179 Cr17,500
Small Industries Development Bank Of India
Debentures | -
5%₹179 Cr17,500
LIC Housing Finance Ltd
Debentures | -
5%₹179 Cr1,750
Power Finance Corporation Limited
Debentures | -
5%₹178 Cr17,500
National Bank For Agriculture And Rural Development
Debentures | -
4%₹143 Cr14,000
↑ 5,000
Axis Bank Ltd.
Debentures | -
4%₹142 Cr1,500,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹127 Cr12,500
Export Import Bank Of India
Debentures | -
4%₹127 Cr12,500
Mankind Pharma Limited
Debentures | -
3%₹102 Cr10,000

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.

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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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