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

Updated on May 10, 2026 , 29038 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 (%)2025 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Short Term Debt Fund Growth ₹33.4224
↓ -0.02
₹14,7280.81.75.47.27.87.85%2Y 4M 17D3Y 5M 12D
ICICI Prudential Short Term Fund Growth ₹62.9397
↓ -0.04
₹20,6880.91.95.67.287.89%2Y 4M 24D3Y 11M 8D
Axis Short Term Fund Growth ₹32.3114
↓ -0.02
₹8,3420.91.85.578.17.79%2Y 2M 19D3Y
Nippon India Short Term Fund Growth ₹55.0402
↓ -0.02
₹6,6320.71.55.277.97.28%2Y 5M 23D3Y
Bandhan Bond Fund Short Term Plan Growth ₹59.6299
↓ -0.02
₹8,6121.125.26.97.57.47%2Y 2M 26D3Y 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 26

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 (₹14,728 Cr).Highest AUM (₹20,688 Cr).Bottom quartile AUM (₹8,342 Cr).Bottom quartile AUM (₹6,632 Cr).Lower mid AUM (₹8,612 Cr).
Point 2Established history (15+ yrs).Established history (24+ yrs).Established history (16+ yrs).Established history (23+ yrs).Oldest track record among peers (25 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: 5.42% (lower mid).1Y return: 5.62% (top quartile).1Y return: 5.53% (upper mid).1Y return: 5.19% (bottom quartile).1Y return: 5.24% (bottom quartile).
Point 61M return: 0.24% (top quartile).1M return: 0.17% (bottom quartile).1M return: 0.23% (upper mid).1M return: 0.20% (bottom quartile).1M return: 0.23% (lower mid).
Point 7Sharpe: 0.22 (lower mid).Sharpe: 0.34 (top quartile).Sharpe: 0.24 (upper mid).Sharpe: 0.13 (bottom quartile).Sharpe: 0.03 (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): 7.85% (upper mid).Yield to maturity (debt): 7.89% (top quartile).Yield to maturity (debt): 7.79% (lower mid).Yield to maturity (debt): 7.28% (bottom quartile).Yield to maturity (debt): 7.47% (bottom quartile).
Point 10Modified duration: 2.38 yrs (lower mid).Modified duration: 2.40 yrs (bottom quartile).Modified duration: 2.22 yrs (top quartile).Modified duration: 2.48 yrs (bottom quartile).Modified duration: 2.24 yrs (upper mid).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹14,728 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.42% (lower mid).
  • 1M return: 0.24% (top quartile).
  • Sharpe: 0.22 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.85% (upper mid).
  • Modified duration: 2.38 yrs (lower mid).

ICICI Prudential Short Term Fund

  • Highest AUM (₹20,688 Cr).
  • Established history (24+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.62% (top quartile).
  • 1M return: 0.17% (bottom quartile).
  • Sharpe: 0.34 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.89% (top quartile).
  • Modified duration: 2.40 yrs (bottom quartile).

Axis Short Term Fund

  • Bottom quartile AUM (₹8,342 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.53% (upper mid).
  • 1M return: 0.23% (upper mid).
  • Sharpe: 0.24 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.79% (lower mid).
  • Modified duration: 2.22 yrs (top quartile).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹6,632 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.19% (bottom quartile).
  • 1M return: 0.20% (bottom quartile).
  • Sharpe: 0.13 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.28% (bottom quartile).
  • Modified duration: 2.48 yrs (bottom quartile).

Bandhan Bond Fund Short Term Plan

  • Lower mid AUM (₹8,612 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.24% (bottom quartile).
  • 1M return: 0.23% (lower mid).
  • Sharpe: 0.03 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.47% (bottom quartile).
  • Modified duration: 2.24 yrs (upper mid).
*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 (₹14,728 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.42% (lower mid).
  • 1M return: 0.24% (top quartile).
  • Sharpe: 0.22 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.85% (upper mid).
  • Modified duration: 2.38 yrs (lower mid).
  • Average maturity: 3.45 yrs (bottom quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Aditya Birla Renewables Limited (~2.8%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund
Growth
Launch Date 25 Jun 10
NAV (12 May 26) ₹33.4224 ↓ -0.02   (-0.05 %)
Net Assets (Cr) ₹14,728 on 31 Mar 26
Category Debt - Short term Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.69
Sharpe Ratio 0.22
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.85%
Effective Maturity 3 Years 5 Months 12 Days
Modified Duration 2 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 21₹10,000
30 Apr 22₹10,363
30 Apr 23₹10,934
30 Apr 24₹11,713
30 Apr 25₹12,815
30 Apr 26₹13,477

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 12 May 26

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 1.7%
1 Year 5.4%
3 Year 7.2%
5 Year 6.1%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.8%
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%
Fund Manager information for HDFC Short Term Debt Fund
NameSinceTenure
Anil Bamboli25 Jun 1015.86 Yr.
Dhruv Muchhal22 Jun 232.86 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Mar 26

Asset Allocation
Asset ClassValue
Cash3.55%
Debt96.12%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate71.41%
Government24.71%
Cash Equivalent3.55%
Credit Quality
RatingValue
AA15.12%
AAA84.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Aditya Birla Renewables Limited
Debentures | -
3%₹437 Cr43,500
Jubilant Beverages Limited
Debentures | -
3%₹417 Cr38,500
Jtpm Metal TRaders Limited
Debentures | -
2%₹377 Cr36,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹353 Cr35,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
2%₹347 Cr350
7.18% Govt Stock 2033
Sovereign Bonds | -
2%₹310 Cr30,500,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹302 Cr30,000
↑ 30,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹292 Cr29,170
↑ 12,500
Bajaj Housing Finance Limited
Debentures | -
2%₹252 Cr25,000
Pipeline Infrastructure Limited
Debentures | -
2%₹248 Cr24,500

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 (₹20,688 Cr).
  • Established history (24+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 5.62% (top quartile).
  • 1M return: 0.17% (bottom quartile).
  • Sharpe: 0.34 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.89% (top quartile).
  • Modified duration: 2.40 yrs (bottom quartile).
  • Average maturity: 3.94 yrs (bottom quartile).
  • Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~83%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~4.3%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund
Growth
Launch Date 25 Oct 01
NAV (12 May 26) ₹62.9397 ↓ -0.04   (-0.06 %)
Net Assets (Cr) ₹20,688 on 31 Mar 26
Category Debt - Short term Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.04
Sharpe Ratio 0.34
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 7.89%
Effective Maturity 3 Years 11 Months 8 Days
Modified Duration 2 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 21₹10,000
30 Apr 22₹10,363
30 Apr 23₹11,039
30 Apr 24₹11,837
30 Apr 25₹12,911
30 Apr 26₹13,618

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 12 May 26

DurationReturns
1 Month 0.2%
3 Month 0.9%
6 Month 1.9%
1 Year 5.6%
3 Year 7.2%
5 Year 6.3%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 8%
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%
Fund Manager information for ICICI Prudential Short Term Fund
NameSinceTenure
Manish Banthia19 Nov 0916.46 Yr.
Nikhil Kabra29 Dec 205.34 Yr.

Data below for ICICI Prudential Short Term Fund as on 31 Mar 26

Asset Allocation
Asset ClassValue
Cash16.27%
Debt83.43%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate69.38%
Government20.75%
Cash Equivalent9.56%
Credit Quality
RatingValue
AA20.46%
AAA79.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹895 Cr89,500
LIC Housing Finance Ltd
Debentures | -
4%₹748 Cr75,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹590 Cr600
Vedanta Limited
Debentures | -
3%₹588 Cr58,500
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
2%₹517 Cr525
Small Industries Development Bank Of India
Debentures | -
2%₹441 Cr44,700
Summit Digitel Infrastructure Limited
Debentures | -
1%₹284 Cr28,300
Muthoot Finance Limited
Debentures | -
1%₹281 Cr28,000
Small Industries Development Bank Of India
Debentures | -
1%₹260 Cr26,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹260 Cr26,000
↑ 5,000

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

  • Bottom quartile AUM (₹8,342 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.53% (upper mid).
  • 1M return: 0.23% (upper mid).
  • Sharpe: 0.24 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.79% (lower mid).
  • Modified duration: 2.22 yrs (top quartile).
  • Average maturity: 3.00 yrs (top quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~89%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.48% Govt Stock 2035 (~4.2%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund
Growth
Launch Date 22 Jan 10
NAV (12 May 26) ₹32.3114 ↓ -0.02   (-0.05 %)
Net Assets (Cr) ₹8,342 on 31 Mar 26
Category Debt - Short term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.88
Sharpe Ratio 0.24
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.79%
Effective Maturity 3 Years
Modified Duration 2 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 21₹10,000
30 Apr 22₹10,357
30 Apr 23₹10,920
30 Apr 24₹11,631
30 Apr 25₹12,734
30 Apr 26₹13,411

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 12 May 26

DurationReturns
1 Month 0.2%
3 Month 0.9%
6 Month 1.8%
1 Year 5.5%
3 Year 7%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2025 8.1%
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%
Fund Manager information for Axis Short Term Fund
NameSinceTenure
Devang Shah5 Nov 1213.49 Yr.
Aditya Pagaria3 Jul 232.83 Yr.

Data below for Axis Short Term Fund as on 31 Mar 26

Asset Allocation
Asset ClassValue
Cash10.29%
Debt89.32%
Other0.39%
Debt Sector Allocation
SectorValue
Corporate71.92%
Government23.39%
Cash Equivalent4.29%
Credit Quality
RatingValue
AA21.18%
AAA78.82%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.48% Govt Stock 2035
Sovereign Bonds | -
4%₹383 Cr39,387,300
↑ 39,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹351 Cr35,000
↑ 5,000
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
2%₹211 Cr213
National Bank For Agriculture And Rural Development
Debentures | -
2%₹200 Cr20,000
↑ 20,000
Small Industries Development Bank Of India
Debentures | -
2%₹199 Cr20,000
↑ 20,000
Power Finance Corporation Limited
Debentures | -
2%₹197 Cr20,000
Indigrid Infrastructure Trust
Debentures | -
2%₹191 Cr19,000
Jubilant Beverages Limited
Debentures | -
2%₹171 Cr15,750
Small Industries Development Bank Of India
Debentures | -
2%₹150 Cr15,000
Power Finance Corporation Limited
Debentures | -
2%₹148 Cr15,000

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 (₹6,632 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 5.19% (bottom quartile).
  • 1M return: 0.20% (bottom quartile).
  • Sharpe: 0.13 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.28% (bottom quartile).
  • Modified duration: 2.48 yrs (bottom quartile).
  • Average maturity: 3.00 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~93%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding SHIVSHAKTI SECURITISATION TRUST (~3.1%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund
Growth
Launch Date 18 Dec 02
NAV (12 May 26) ₹55.0402 ↓ -0.02   (-0.04 %)
Net Assets (Cr) ₹6,632 on 31 Mar 26
Category Debt - Short term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.94
Sharpe Ratio 0.13
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.28%
Effective Maturity 3 Years
Modified Duration 2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 21₹10,000
30 Apr 22₹10,392
30 Apr 23₹10,900
30 Apr 24₹11,623
30 Apr 25₹12,728
30 Apr 26₹13,362

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 ₹197,169.
Net Profit of ₹17,169
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 12 May 26

DurationReturns
1 Month 0.2%
3 Month 0.7%
6 Month 1.5%
1 Year 5.2%
3 Year 7%
5 Year 5.9%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.9%
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%
Fund Manager information for Nippon India Short Term Fund
NameSinceTenure
Vivek Sharma1 Feb 206.25 Yr.
Kinjal Desai25 May 187.94 Yr.
Sushil Budhia31 Mar 215.09 Yr.
Amber Singhania11 Mar 260.14 Yr.

Data below for Nippon India Short Term Fund as on 31 Mar 26

Asset Allocation
Asset ClassValue
Cash6.48%
Debt93.14%
Other0.38%
Debt Sector Allocation
SectorValue
Corporate61.04%
Government33.42%
Cash Equivalent5.15%
Credit Quality
RatingValue
AA15.77%
AAA84.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹222 Cr225
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
3%₹198 Cr200
Bharti Telecom Limited
Debentures | -
2%₹175 Cr17,500
Small Industries Development Bank Of India
Debentures | -
2%₹166 Cr16,500
Knowledge Realty TRust
Debentures | -
2%₹160 Cr16,000
7.93% Uttarpradesh Sdl 2030
Sovereign Bonds | -
2%₹154 Cr15,000,000
Export Import Bank Of India
Debentures | -
2%₹151 Cr15,000
Rural Electrification Corporation Limited
Debentures | -
2%₹134 Cr1,300
7.17% Madhyapradesh Sgs 2031
Sovereign Bonds | -
2%₹124 Cr12,500,000
7.32% Govt Stock 2030
Sovereign Bonds | -
2%₹124 Cr12,000,000
↓ -6,000,000

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

  • Lower mid AUM (₹8,612 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.24% (bottom quartile).
  • 1M return: 0.23% (lower mid).
  • Sharpe: 0.03 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.47% (bottom quartile).
  • Modified duration: 2.24 yrs (upper mid).
  • Average maturity: 3.05 yrs (lower mid).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~76%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.68% Govt Stock 2040 (~13.3%).

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 (12 May 26) ₹59.6299 ↓ -0.02   (-0.03 %)
Net Assets (Cr) ₹8,612 on 31 Mar 26
Category Debt - Short term Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.8
Sharpe Ratio 0.03
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.47%
Effective Maturity 3 Years 18 Days
Modified Duration 2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 21₹10,000
30 Apr 22₹10,290
30 Apr 23₹10,813
30 Apr 24₹11,507
30 Apr 25₹12,600
30 Apr 26₹13,226

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 12 May 26

DurationReturns
1 Month 0.2%
3 Month 1.1%
6 Month 2%
1 Year 5.2%
3 Year 6.9%
5 Year 5.8%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.5%
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%
Fund Manager information for Bandhan Bond Fund Short Term Plan
NameSinceTenure
Suyash Choudhary11 Mar 1115.15 Yr.
Brijesh Shah10 Jun 241.89 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 31 Mar 26

Asset Allocation
Asset ClassValue
Cash23.23%
Debt76.4%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate61.1%
Government36.19%
Cash Equivalent2.35%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.68% Govt Stock 2040
Sovereign Bonds | -
13%₹1,145 Cr120,000,000
↑ 20,000,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹406 Cr40,500,000
Bajaj Finance Limited
Debentures | -
4%₹323 Cr32,500,000
Small Industries Development Bank of India
Debentures | -
4%₹316 Cr32,500,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹302 Cr30,000,000
LIC Housing Finance Ltd
Debentures | -
3%₹271 Cr27,000,000
Tata Capital Housing Finance Limited
Debentures | -
3%₹251 Cr25,000,000
LIC Housing Finance Ltd
Debentures | -
3%₹246 Cr24,500,000
6.88% Uttarpradesh Sdl 2031
Sovereign Bonds | -
3%₹246 Cr25,000,000
Small Industries Development Bank Of India
Debentures | -
3%₹231 Cr23,500,000
↑ 23,500,000

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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