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SWP कॅल्क्युलेटर -- पद्धतशीर पैसे काढण्याची योजना कॅल्क्युलेटर

Updated on May 17, 2025 , 36360 views

SWP कॅल्क्युलेटर हे एक साधन आहे जे व्यक्तींना त्यांची SWP गुंतवणूक कार्यकाळात कशी असेल याची गणना करण्यात मदत करते. SWP किंवा सिस्टेमॅटिक विथड्रॉल प्लॅन हे युनिट्स किंवा गुंतवणुकीची पूर्तता करण्याचे तंत्र आहेम्युच्युअल फंड. SWP मध्ये, व्यक्ती त्यांचे पैसे म्युच्युअल फंड योजनेत गुंतवतात आणि नंतर दिलेल्या कालावधीत त्यांची गुंतवणूक काढून घेतात. SWP सामान्यतः अशा व्यक्तींसाठी योग्य आहे जे निश्चित शोधत आहेतउत्पन्न नियमित कार्यकाळात. लेख तुम्हाला सिस्टिमॅटिक विथड्रॉल प्लॅनची संकल्पना, SWP कॅल्क्युलेटर कसे कार्य करते आणि इतर संबंधित पॅरामीटर्सची संपूर्ण माहिती देतो.

म्युच्युअल फंडातील SWP चा अर्थ काय?

म्युच्युअल फंडातील पद्धतशीर पैसे काढण्याची योजना किंवा SWP म्हणजे म्युच्युअल फंड गुंतवणुकीच्या युनिट्सची पूर्तता करण्याची पद्धतशीर आणि नियोजित प्रक्रिया. SWP ची संकल्पना उलट पद्धतीने कार्य करतेSIP. SWP मध्ये, व्यक्ती म्युच्युअल फंड योजनांमध्ये एकरकमी रक्कम गुंतवतात ज्यात सामान्यतः कमी जोखीम-भूक असते, जसे कीलिक्विड फंड किंवा अल्ट्राअल्पकालीन निधी. त्यानंतर व्यक्ती नियमित अंतराने गुंतवलेली रक्कम काढू लागतात. व्यक्ती त्यांच्या आवश्यकतेनुसार मासिक, त्रैमासिक, वार्षिक आणि याप्रमाणे पैसे काढण्याची वारंवारता कस्टमाइझ करू शकतात. या प्रकरणात, म्युच्युअल फंडामध्ये गुंतवलेले पैसे देखील व्यक्तींना महसूल मिळवून देतात. व्यक्ती, विशेषत: सेवानिवृत्त, जे नियमित उत्पन्नाचा स्रोत शोधत आहेत ते पद्धतशीर पैसे काढण्याची योजना निवडू शकतात.म्युच्युअल फंडात गुंतवणूक.

SWP म्युच्युअल फंड कॅल्क्युलेटर

SWP कॅल्क्युलेटर व्यक्तींना दिलेल्या कालावधीत म्युच्युअल फंड गुंतवणुकीतील त्यांच्या पैसे काढण्याचा अंदाज लावण्यास मदत करते. SWP कॅल्क्युलेटरमध्ये प्रविष्ट करणे आवश्यक असलेल्या इनपुट डेटामध्ये हे समाविष्ट आहे:

SWP/पैसे काढण्याची रक्कम - हे ठराविक पैसे काढण्याच्या रकमेचा संदर्भ देते जी तुम्ही नियमित अंतराने काढण्याची योजना आखत आहात.
प्रारंभिक गुंतवणूक - सुरुवातीच्या गुंतवणुकीचा संदर्भ तुम्हाला म्युच्युअल फंड योजनेत गुंतवायची असलेली एकरकमी रक्कम असते.
पैसे काढण्याची वारंवारता - पैसे काढण्याची वारंवारता, तुम्ही तुमची गुंतवणूक काढू इच्छित असलेल्या कालावधीचा संदर्भ देते. हे एकतर मासिक, साप्ताहिक किंवा त्रैमासिक असू शकते. साधारणपणे गणना मासिकासाठी केली जाते.
परताव्याचा अपेक्षित दर - याचा अर्थ तुम्ही तुमच्या गुंतवणुकीवर अपेक्षित असलेला परतावा.

तर, SWP कॅल्क्युलेटरची संकल्पना उदाहरणासह तपशीलवार समजून घेऊ.

नमुना चित्रण

प्रारंभिक गुंतवणूक रक्कम - INR 1.20,000
SWP रक्कम - INR 10,000
पैसे काढण्याची मुदत - 12 महिने
अपेक्षित परतावा दर - 7%

SWP सारणीची गणना खालीलप्रमाणे दिली आहे.

महिना	महिन्याच्या सुरुवातीला शिल्लक (INR)	विमोचन रक्कम (INR)	मिळालेले व्याज (INR)	महिन्याच्या शेवटी शिल्लक (INR)
१	1,20,000	10,000	६४२	1,10,642
2	1,10,642	10,000	५८७	१,०१,२२९
3	१,०१,२२९	10,000	५३२	९१,७६१
4	९१,७६१	10,000	४७७	८२,२३८
५	८२,२३८	10,000	421	७२,६५९
6	७२,६५९	10,000	३६६	६३,०२५
७	६३,०२५	10,000	309	५३,३३४
8	५३,३३४	10,000	२५३	४३,५८७
९	४३,५८७	10,000	१९६	३३,७८३
10	३३,७८३	10,000	139	२३,९२१
11	२३,९२१	10,000	८१	14,003
१२	14,003	10,000	23	४,०२६

अशा प्रकारे, वरील तक्त्यावरून असे म्हणता येईल की SWP व्यवहाराद्वारे म्युच्युअल फंड योजनेचा नफा INR 4,026 आहे.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

पद्धतशीर पैसे काढण्याच्या योजनेचे फायदे

SWP चे काही प्रमुख फायदे खालीलप्रमाणे आहेत.

नियमित उत्पन्न प्रवाह

SWP चा एक प्राथमिक फायदा असा आहे की व्यक्ती नियमित उत्पन्नाचा स्रोत म्हणून पद्धतशीर पैसे काढण्याची योजना वापरू शकतात. कारण काढलेली रक्कम स्थिर राहते.

शिस्तबद्ध पैसे काढण्याची सवय

SWP व्यक्तींमध्ये शिस्तबद्ध पैसे काढण्याची सवय निर्माण करते कारण केवळ एक निश्चित रक्कम काढली जाते आणि उर्वरित पैसे म्युच्युअल फंडांमध्ये गुंतवले जातात. हे प्रतिबंधित करतेभांडवल गुंतवणुकीत घट. तसेच, म्युच्युअल फंडातील गुंतवणूक परतावा व्युत्पन्न करते.

पेन्शनचा पर्याय

सेवानिवृत्त व्यक्तींच्या बाबतीत SWP पेन्शनचा पर्याय म्हणून काम करते. निवृत्त व्यक्ती SWP द्वारे नियमित उत्पन्नाची खात्री देऊ शकतात.

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2022 साठी सर्वोत्तम SWP म्युच्युअल फंड

SWP सामान्यतः म्युच्युअल फंड योजनांमध्ये केले जाते ज्यात लिक्विड फंडासारख्या कमी पातळीचा धोका असतो. म्हणून, लिक्विड/अल्ट्राशॉर्ट श्रेणीतील काही सर्वोत्तम म्युच्युअल फंड योजना ज्यांची निव्वळ मालमत्ता पेक्षा जास्त आहे1000 कोटी खालील प्रमाणे खाली सूचीबद्ध आहेत.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹544.453 ↑ 0.14	₹17,263	2.3	4.1	8.1	7.3	7.9	7.27%	5M 16D	6M 14D
ICICI Prudential Ultra Short Term Fund Growth	₹27.5059 ↑ 0.01	₹15,092	2.1	3.8	7.6	7	7.5	7.05%	5M 1D	8M 8D
SBI Magnum Ultra Short Duration Fund Growth	₹5,933.14 ↑ 1.61	₹15,125	2.1	3.8	7.6	7	7.4	6.77%	5M 8D	6M 22D
Invesco India Ultra Short Term Fund Growth	₹2,678.43 ↑ 0.85	₹1,130	2	3.8	7.5	6.8	7.5	6.88%	5M 6D	5M 18D
Kotak Savings Fund Growth	₹42.5874 ↑ 0.01	₹14,924	2.1	3.7	7.5	6.8	7.2	6.85%	5M 16D	5M 23D
Nippon India Ultra Short Duration Fund Growth	₹4,001.13 ↑ 0.43	₹8,767	2.1	3.7	7.4	6.8	7.2	7.11%	5M 7D	7M 16D
UTI Ultra Short Term Fund Growth	₹4,209.84 ↑ 1.17	₹4,131	2	3.6	7.4	6.7	7.2	6.95%	5M 22D	5M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 May 25

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 (20 May 25)	₹544.453 ↑ 0.14 (0.03 %)
Net Assets (Cr)	₹17,263 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.71
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	6 Months 14 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,651
30 Apr 22	₹11,083
30 Apr 23	₹11,715
30 Apr 24	₹12,595
30 Apr 25	₹13,598

Aditya Birla Sun Life Savings Fund SIP Returns

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

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	4.1%
1 Year	8.1%
3 Year	7.3%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.87 Yr.
Kaustubh Gupta	15 Jul 11	13.8 Yr.
Monika Gandhi	22 Mar 21	4.11 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	39.41%
Debt	60.27%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	66.69%
Cash Equivalent	20.4%
Government	12.6%

Credit Quality

Rating	Value
AA	39.1%
AAA	60.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Company Limited Debentures \| -	4%	₹606 Cr	60,000
Nirma Limited Debentures \| -	3%	₹488 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹474 Cr	47,500,000
Small Industries Development Bank of India Debentures \| -	3%	₹424 Cr	9,000
Aditya BSL Liquid Dir Gr Investment Fund \| -	2%	₹351 Cr	8,342,533 ↑ 564,007
182 DTB 29082025 Sovereign Bonds \| -	2%	₹342 Cr	35,000,000 ↑ 35,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹308 Cr	30,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹304 Cr	30,000 ↑ 30,000
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹301 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹271 Cr	27,000

2. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

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 (20 May 25)	₹27.5059 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹15,092 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.83
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	7.05%
Effective Maturity	8 Months 8 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,634
30 Apr 22	₹11,041
30 Apr 23	₹11,666
30 Apr 24	₹12,510
30 Apr 25	₹13,448

ICICI Prudential Ultra Short Term Fund SIP Returns

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

Returns for 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 20 May 25

Duration	Returns
1 Month	0.7%
3 Month	2.1%
6 Month	3.8%
1 Year	7.6%
3 Year	7%
5 Year	6.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.46 Yr.
Ritesh Lunawat	15 Jun 17	7.88 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.44%
Debt	52.28%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	56.44%
Cash Equivalent	23.12%
Government	20.17%

Credit Quality

Rating	Value
AA	21.29%
AAA	78.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹585 Cr	58,000,000
182 Days Tbill Sovereign Bonds \| -	4%	₹488 Cr	50,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹437 Cr	4,350
Bharti Telecom Limited Debentures \| -	2%	₹327 Cr	32,500 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹307 Cr	30,500
Small Industries Development Bank Of India Debentures \| -	2%	₹300 Cr	3,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹300 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹251 Cr	2,500
LIC Housing Finance Limited Debentures \| -	2%	₹226 Cr	2,250
Oberoi Realty Ltd. Debentures \| -	1%	₹201 Cr	20,000

3. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (20 May 25)	₹5,933.14 ↑ 1.61 (0.03 %)
Net Assets (Cr)	₹15,125 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.77%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,492
30 Apr 22	₹10,860
30 Apr 23	₹11,460
30 Apr 24	₹12,284
30 Apr 25	₹13,213

SBI Magnum Ultra Short Duration Fund SIP Returns

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

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	3.8%
1 Year	7.6%
3 Year	7%
5 Year	5.7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%
2015	8.3%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Rajeev Radhakrishnan	27 Dec 24	0.34 Yr.
Ardhendu Bhattacharya	1 Dec 23	1.41 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	62.76%
Debt	37.01%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.04%
Corporate	36.98%
Government	19.76%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹583 Cr	58,500,000 ↑ 57,500,000
HDFC Bank Ltd. Debentures \| -	3%	₹472 Cr	10,000 ↓ -2,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹424 Cr	4,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹416 Cr	4,150 ↑ 2,150
Hdb Financial Services Limited Debentures \| -	2%	₹345 Cr	34,500
INDIA UNIVERSAL TRUST AL2 Unlisted bonds \| -	2%	₹302 Cr	400
Citicorp Finance (India) Limited Debentures \| -	2%	₹251 Cr	25,000
Rec Limited Debentures \| -	2%	₹243 Cr	2,450
05.95 Tn SDL 2025 Sovereign Bonds \| -	2%	₹230 Cr	23,000,000
Tata Capital Housing Finance Limited Debentures \| -	1%	₹221 Cr	2,200

4. 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.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

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 (20 May 25)	₹2,678.43 ↑ 0.85 (0.03 %)
Net Assets (Cr)	₹1,130 on 15 Apr 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.88%
Effective Maturity	5 Months 18 Days
Modified Duration	5 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,424
30 Apr 22	₹10,751
30 Apr 23	₹11,310
30 Apr 24	₹12,118
30 Apr 25	₹13,017

Invesco India Ultra Short Term Fund SIP Returns

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

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.8%
1 Year	7.5%
3 Year	6.8%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.32 Yr.
Vikas Garg	27 Jul 21	3.76 Yr.

Data below for Invesco India Ultra Short Term Fund as on 15 Apr 25

Asset Allocation

Asset Class	Value
Cash	37.55%
Debt	62.08%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	60.8%
Cash Equivalent	25.46%
Government	13.37%

Credit Quality

Rating	Value
AA	39.25%
AAA	60.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	8%	₹85 Cr	8,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹50 Cr	5,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹40 Cr	4,000,000
Export Import Bank Of India Debentures \| -	4%	₹40 Cr	4,000,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000

5. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (20 May 25)	₹42.5874 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹14,924 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	1.3
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,487
30 Apr 22	₹10,847
30 Apr 23	₹11,445
30 Apr 24	₹12,246
30 Apr 25	₹13,146

Kotak Savings Fund SIP Returns

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

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	3.7%
1 Year	7.5%
3 Year	6.8%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.05 Yr.
Manu Sharma	1 Nov 22	2.5 Yr.

Data below for Kotak Savings Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	65.31%
Debt	34.4%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.68%
Cash Equivalent	25.06%
Government	16.97%

Credit Quality

Rating	Value
AA	9.65%
AAA	90.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹498 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹478 Cr	47,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹462 Cr	46,000
Mankind Pharma Ltd Debentures \| -	2%	₹303 Cr	30,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹237 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹231 Cr	2,300
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
Bajaj Housing Finance Limited Debentures \| -	2%	₹216 Cr	2,150
08.49 Tn SDL 2026 Sovereign Bonds \| -	2%	₹204 Cr	20,080,000
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000

6. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

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

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

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

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (20 May 25)	₹4,001.13 ↑ 0.43 (0.01 %)
Net Assets (Cr)	₹8,767 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.11%
Effective Maturity	7 Months 16 Days
Modified Duration	5 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,542
30 Apr 22	₹11,343
30 Apr 23	₹11,966
30 Apr 24	₹12,798
30 Apr 25	₹13,738

Nippon India Ultra Short Duration Fund SIP Returns

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

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25

Duration	Returns
1 Month	0.6%
3 Month	2.1%
6 Month	3.7%
1 Year	7.4%
3 Year	6.8%
5 Year	6.5%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.59 Yr.
Kinjal Desai	25 May 18	6.94 Yr.
Akshay Sharma	1 Dec 22	2.41 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	56.52%
Debt	43.24%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	55.55%
Cash Equivalent	29.49%
Government	14.72%

Credit Quality

Rating	Value
AA	15.61%
AAA	84.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹311 Cr	3,100
182 Days Tbill Sovereign Bonds \| -	3%	₹245 Cr	25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹243 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	2%	₹200 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹196 Cr	20,000,000
Indinfravit Trust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹184 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹166 Cr	16,500
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹126 Cr	12,500

7. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (20 May 25)	₹4,209.84 ↑ 1.17 (0.03 %)
Net Assets (Cr)	₹4,131 on 30 Apr 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	1.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	5 Months 28 Days
Modified Duration	5 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,469
30 Apr 22	₹11,111
30 Apr 23	₹11,702
30 Apr 24	₹12,517
30 Apr 25	₹13,432

UTI Ultra Short Term Fund SIP Returns

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

Returns for UTI 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 20 May 25

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.6%
1 Year	7.4%
3 Year	6.7%
5 Year	6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.27 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	64.1%
Debt	35.7%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	54.04%
Cash Equivalent	33.87%
Government	11.89%

Credit Quality

Rating	Value
AA	18.56%
AAA	81.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹180 Cr	1,800 ↑ 500
182 Days Tbill Sovereign Bonds \| -	4%	₹147 Cr	1,500,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	2%	₹98 Cr	1,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹81 Cr	8,000 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	750,000,000
Small Industries Development Bank Of India Debentures \| -	1%	₹50 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹50 Cr	500 ↑ 250

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.