Table of Contents

आवर्ती ठेव (RD)
आरडी खाते: वैशिष्ट्ये
RD व्याज दर
आरडी कॅल्क्युलेटर
आरडी व्याज कॅल्क्युलेटर
निष्कर्ष
तत्सम पर्याय
- लिक्विड/अल्ट्रा शॉर्ट डेट म्युच्युअल फंड
Top 6 Funds

आवर्ती ठेव (RD) म्हणजे काय?

Updated on May 17, 2025 , 60757 views

जर तुम्हाला माहित असेल की कसे एक पद्धतशीरगुंतवणूक योजना (SIP) चाम्युच्युअल फंड कार्य करते, तर तुम्हाला आवर्ती ठेवी सहज समजतील! आवर्ती ठेव (RD) मध्ये दरमहा एक निश्चित हप्ता केला जातो आणि व्याज दिले जातेबँक या रकमेवर. आरडी खात्याबद्दल अधिक समजून घेऊया,RD व्याज दर,आरडी कॅल्क्युलेटर, RD व्याज कॅल्क्युलेटर इ.

आवर्ती ठेव (RD)

आवर्ती ठेव हा एक गुंतवणुकीसह बचत पर्याय आहे ज्यांना ठराविक कालावधीत नियमितपणे बचत करायची आहे आणि उच्च व्याज दर मिळवायचा आहे. दर महिन्याला, एक निश्चित रक्कम एकतर मधून वजा केली जातेबचत खाते किंवा चालू खाते. मॅच्युरिटी कालावधीच्या शेवटी, गुंतवणूकदारांना त्यांच्या गुंतवलेल्या निधीची परतफेड केली जातेजमा व्याज.

सार्वजनिक क्षेत्रातील बँकेत, आरडी खाते किमान INR 100 पेक्षा कमी रकमेने उघडले जाऊ शकते. खाजगी क्षेत्रातील बँकांमध्ये जमा करणे आवश्यक असलेली किमान रक्कम INR 500 ते INR 1000 आहे, तरपोस्ट ऑफिस एखादी व्यक्ती फक्त INR 10 मध्ये खाते उघडू शकते. काही बँकांची कमाल मर्यादा INR 15 लाख आहे, तर इतरांकडे अशी कोणतीही कमाल मर्यादा नाही. आवर्ती ठेवीची मुदत किमान तीन महिने आणि कमाल 10 वर्षे आहे.

आरडी खाते: वैशिष्ट्ये

त्यातून लोकांमध्ये बचतीची सवय लागते
आवर्ती ठेवीमध्ये व्याजाचा दर जास्त असतो
RD योजना कोणत्याही गोष्टीची पर्वा न करता स्थिर आणि सुरक्षित गुंतवणूक पर्याय प्रदान करतातबाजार चढउतार
गुंतवणूकदार त्यांचे आरडी खाते मॅच्युरिटी कालावधीपूर्वी बंद करू शकतात. परंतु, मुदतपूर्व पैसे काढताना, बँकेवर अवलंबून गुंतवणूकदारांना दंडाच्या स्वरूपात काही रक्कम भरावी लागू शकते.
गुंतवणुकदार आवर्ती ठेवींच्या विरूद्ध 60-90% पर्यंत कर्जाची निवड करू शकतात
बँक सहा चुकलेल्या हप्त्यांवर खाते बंद करू शकते. परंतु, जर थकबाकीची रक्कम शेवटच्या महिन्यापासून एका महिन्याच्या आत भरली गेलीडीफॉल्ट, ते पुनरुज्जीवित केले जाऊ शकते.
आवर्ती ठेवी नामांकनासह येतातसुविधा
आवर्ती ठेवींमध्ये TDS (स्रोतावर कर वजा) नाही. व्याजाचा भाग करपात्र आहे आणि त्यात जोडला जाईलगुंतवणूकदारच्याउत्पन्न आणि संबंधित स्लॅबनुसार कर आकारला जातो.

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RD व्याज दर

भारतातील जवळपास सर्व प्रमुख बँका आवर्ती ठेव खाते ऑफर करतात. प्रत्येक बँकेतील व्याज दर भिन्न असू शकतो, परंतु तो सामान्यतः दरम्यान असतो7% ते 9.25% p.a, आणि पोस्ट ऑफिसमध्ये ते आहे७.४% (बाजारातील प्रचलित स्थितीवर अवलंबून). ज्येष्ठ नागरिकांना मिळते०.५% अतिरिक्त व्याजदर, एकदा ठरवले की कार्यकाळात बदलत नाही. ज्या गुंतवणूकदारांना एका वेळी एकापेक्षा जास्त हप्ते भरायचे आहेत, ते असे करू शकतात.

आरडी कॅल्क्युलेटर

रिकरिंग डिपॉझिट कॅल्क्युलेटर हा RD वर मॅच्युरिटी रक्कम मोजण्याचा एक चांगला मार्ग आहे. मॅच्युरिटीवर तुमच्या आरडी रकमेचा अंदाज घेण्यासाठी तुम्ही या पद्धतीचा अवलंब करू शकता.

आरडी कॅल्क्युलेटर	INR
मासिक ठेव रक्कम	200
महिन्यात आर.डी	60
व्याज दर	८%
व्याजकंपाउंडिंग वारंवारता	मासिक
RD परिपक्वता रक्कम	INR 1,47,933

आरडी व्याज कॅल्क्युलेटर

आरडी इंटरेस्ट कॅल्क्युलेटरच्या मदतीने ग्राहक त्यांची क्षमता ठरवू शकतातकमाई. तुम्हाला मासिक गुंतवणूक करायची असलेली रक्कम आणि गुंतवणुकीचा कालावधी (खाली उदाहरण दिलेले आहे) ठरवावे लागेल.

आरडी व्याज कॅल्क्युलेटर
रक्कम	INR 1000
व्याज दर	8% प्रतिवर्ष
कालावधी	12 महिने

सारांश- एकूण भरलेली रक्कम-INR 12,000 एकूण परिपक्वता रक्कम-INR 12,530 एकूण मिळण्यायोग्य व्याज-INR 530

निष्कर्ष

आवर्ती ठेव व्यक्तींना नियमित बचत करण्याची सवय लावण्यास मदत करते. तुम्ही आतापर्यंत कोणतीही गुंतवणूक केली नसेल, तर आवर्ती ठेवीपासून सुरुवात करा. तसेच, आपत्कालीन निधी किंवा आकस्मिक निधी तयार करण्यासाठी हा एक चांगला मार्ग आहे. तुमच्या अल्प मुदतीसाठी आणि दीर्घ मुदतीसाठी दरमहा थोडेसे पैसे वाचवण्याचा हा एक आदर्श मार्ग आहेआर्थिक उद्दिष्टे.

आज आवर्ती ठेव खाते उघडा आणि उद्यासाठी बचत करा!

तत्सम पर्याय

म्युच्युअल फंडामध्ये एखादी व्यक्ती RD च्या पेक्षा जास्त पैसे कमवू शकतेगुंतवणूक लिक्विड किंवा अल्ट्रा शॉर्टमध्येबंधन 30 दिवसांपासून ते वर्ष किंवा त्यापेक्षा जास्त दिवसांपर्यंत परिपक्व होणाऱ्या सिक्युरिटीजमध्ये गुंतवणूक करतात.

लिक्विड/अल्ट्रा शॉर्ट डेट म्युच्युअल फंड

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 (19 May 25)	₹544.313 ↑ 0.41 (0.08 %)
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 19 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. 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 (19 May 25)	₹4,000.69 ↑ 2.52 (0.06 %)
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 19 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

3. IDFC Cash Fund

To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized.

IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 26 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for IDFC Cash Fund

IDFC Cash Fund Growth
Launch Date	4 Jun 08
NAV (19 May 25)	₹3,131.78 ↑ 0.62 (0.02 %)
Net Assets (Cr)	₹13,496 on 30 Apr 25
Category	Debt - Liquid Fund
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.73
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	2 Months 7 Days
Modified Duration	2 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,329
30 Apr 22	₹10,680
30 Apr 23	₹11,311
30 Apr 24	₹12,127
30 Apr 25	₹13,002

IDFC Cash 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 IDFC Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	6.8%
5 Year	5.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4%
2019	6.3%
2018	7.3%
2017	6.6%
2016	7.6%
2015	8.4%

Fund Manager information for IDFC Cash Fund

Name	Since	Tenure
Harshal Joshi	15 Sep 15	9.63 Yr.
Brijesh Shah	1 Dec 21	3.41 Yr.

Data below for IDFC Cash Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	99.65%
Other	0.35%

Debt Sector Allocation

Sector	Value
Cash Equivalent	64.71%
Corporate	34.94%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	23%	-₹2,412 Cr
91 Days Tbill Red 05-06-2025 Sovereign Bonds \| -	19%	₹1,977 Cr	200,000,000 ↑ 200,000,000
Punjab National Bank Certificate of Deposit \| -	7%	₹742 Cr	75,000,000 ↓ -5,000,000
National Bk For Agriculture & Rural Dev. ** Commercial Paper \| -	7%	₹690 Cr	70,000,000 ↑ 70,000,000
Export-Import Bank of India Commercial Paper \| -	7%	₹690 Cr	70,000,000 ↑ 70,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	5%	₹517 Cr	52,500,000 ↑ 52,500,000
Triparty Repo Trp_030425_val CBLO/Reverse Repo \| -	5%	₹500 Cr
Bank Of Baroda Certificate of Deposit \| -	5%	₹494 Cr	50,000,000 ↑ 50,000,000
Punjab National Bank Certificate of Deposit \| -	4%	₹397 Cr	40,000,000
Bank Of Baroda Certificate of Deposit \| -	4%	₹397 Cr	40,000,000

4. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

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

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 (19 May 25)	₹27.4964 ↑ 0.02 (0.06 %)
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 19 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

5. 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 (19 May 25)	₹4,208.67 ↑ 2.28 (0.05 %)
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 19 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

6. 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 (19 May 25)	₹2,677.59 ↑ 1.44 (0.05 %)
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 19 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

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.