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आवर्ती ठेव (RD) म्हणजे काय?

Updated on August 29, 2025 , 61791 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.

Recurring-Deposit

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. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

  • Bottom quartile AUM (₹146 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (bottom quartile).
  • 1M return: 0.52% (upper mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.83% (top quartile).
  • Modified duration: 0.19 yrs (upper mid).
  • Average maturity: 0.23 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund
Growth
Launch Date 3 Sep 10
NAV (28 Jul 23) ₹2,424.68 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹146 on 30 Jun 23
Category Debt - Ultrashort Bond
AMC IDBI Asset Management Limited
Rating
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio -0.57
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.83%
Effective Maturity 2 Months 23 Days
Modified Duration 2 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,388
31 Aug 22₹10,824

IDBI Ultra 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 IDBI 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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.4%
1 Year 6.4%
3 Year 4.8%
5 Year 5.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Ultra Short Term Fund
NameSinceTenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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.

Research Highlights for Nippon India Ultra Short Duration Fund

  • Upper mid AUM (₹10,252 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.20% (upper mid).
  • 1M return: 0.44% (bottom quartile).
  • Sharpe: 2.22 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.72% (upper mid).
  • Modified duration: 0.45 yrs (lower mid).
  • Average maturity: 0.67 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~47%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Bank of India Ltd. (~5.0%).

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 (29 Aug 25) ₹4,069.93 ↑ 0.26   (0.01 %)
Net Assets (Cr) ₹10,252 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.12
Sharpe Ratio 2.22
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.72%
Effective Maturity 8 Months 1 Day
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,877
31 Aug 22₹11,305
31 Aug 23₹12,027
31 Aug 24₹12,869
31 Aug 25₹13,794

Nippon India Ultra Short Duration 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 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 28 Jul 23

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 3.6%
1 Year 7.2%
3 Year 6.9%
5 Year 6.7%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 1311.84 Yr.
Kinjal Desai25 May 187.19 Yr.
Akshay Sharma1 Dec 222.67 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash46.67%
Debt53.05%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate60.71%
Cash Equivalent27.11%
Government11.9%
Credit Quality
RatingValue
AA15.55%
AAA84.45%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bank of India Ltd.
Debentures | -
5%₹495 Cr10,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹453 Cr45,000
Power Finance Corporation Limited
Debentures | -
4%₹353 Cr35,000
↑ 17,500
182 Days Tbill
Sovereign Bonds | -
3%₹248 Cr25,000,000
Vedanta Limited
Debentures | -
2%₹242 Cr24,000
LIQUID GOLD SERIES 10
Unlisted bonds | -
2%₹206 Cr82
National Bank For Agriculture And Rural Development
Debentures | -
2%₹202 Cr20,000
Small Industries Development Bank Of India
Debentures | -
2%₹201 Cr2,000
182 Days Tbill
Sovereign Bonds | -
2%₹198 Cr20,000,000
Piramal Finance Limited
Debentures | -
2%₹195 Cr19,500
↑ 9,500

3. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (top quartile).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.10 yrs (top quartile).
  • Average maturity: 0.11 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (28 Jul 23) ₹2,454.04 ↑ 0.35   (0.01 %)
Net Assets (Cr) ₹503 on 30 Jun 23
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio 0.2
Information Ratio -5.96
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,338
31 Aug 22₹10,745

IDBI Liquid 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 IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.4%
1 Year 6.6%
3 Year 4.5%
5 Year 5.3%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Liquid Fund
NameSinceTenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹16,382 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.47% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.63% (lower mid).
  • Modified duration: 0.40 yrs (upper mid).
  • Average maturity: 0.60 yrs (bottom quartile).
  • Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
  • Top sector: Energy.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~49%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.11% Govt Stock 2028 (~4.8%).

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 (29 Aug 25) ₹28.0036 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹16,382 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.8
Sharpe Ratio 2.8
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 6.63%
Effective Maturity 7 Months 6 Days
Modified Duration 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,458
31 Aug 22₹10,855
31 Aug 23₹11,576
31 Aug 24₹12,413
31 Aug 25₹13,338

ICICI Prudential Ultra 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 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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.8%
1 Year 7.5%
3 Year 7.1%
5 Year 5.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 168.71 Yr.
Ritesh Lunawat15 Jun 178.13 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash48.61%
Debt51.13%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate57.81%
Cash Equivalent25.49%
Government16.45%
Credit Quality
RatingValue
AA18.42%
AAA81.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.11% Govt Stock 2028
Sovereign Bonds | -
5%₹835 Cr82,500,000
LIC Housing Finance Ltd
Debentures | -
3%₹603 Cr6,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹581 Cr57,500
↑ 10,000
182 Days Tbill
Sovereign Bonds | -
3%₹496 Cr50,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹377 Cr3,750
Vedanta Limited
Debentures | -
2%₹301 Cr30,000
Piramal Finance Limited
Debentures | -
2%₹275 Cr27,500
Small Industries Development Bank Of India
Debentures | -
1%₹253 Cr25,000
Larsen And Toubro Limited
Debentures | -
1%₹251 Cr25,000
LIC Housing Finance Ltd
Debentures | -
1%₹226 Cr2,250

5. 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹20,795 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.94% (top quartile).
  • 1M return: 0.45% (lower mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.60% (bottom quartile).
  • Modified duration: 0.49 yrs (bottom quartile).
  • Average maturity: 0.59 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~36%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~3.0%).

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 (29 Aug 25) ₹554.641 ↑ 0.03   (0.00 %)
Net Assets (Cr) ₹20,795 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.76
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.6%
Effective Maturity 7 Months 2 Days
Modified Duration 5 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,454
31 Aug 22₹10,863
31 Aug 23₹11,610
31 Aug 24₹12,473
31 Aug 25₹13,462

Aditya Birla Sun Life Savings 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 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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4%
1 Year 7.9%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 1411.12 Yr.
Kaustubh Gupta15 Jul 1114.06 Yr.
Monika Gandhi22 Mar 214.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash36.33%
Debt63.4%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate64.44%
Cash Equivalent20.11%
Government15.18%
Credit Quality
RatingValue
AA36.06%
AAA64.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹489 Cr48,500
Gujarat (Government of)
- | -
2%₹378 Cr37,500,000
Axis Bank Ltd.
Debentures | -
2%₹366 Cr7,500
↑ 500
Bharti Telecom Limited
Debentures | -
2%₹362 Cr3,600
Mankind Pharma Limited
Debentures | -
2%₹349 Cr34,500
Bharti Telecom Limited
Debentures | -
2%₹322 Cr3,200
↑ 500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹317 Cr3,150
Avanse Financial Services Limited
Debentures | -
1%₹302 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
1%₹270 Cr27,000

6. 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.

Research Highlights for UTI Ultra Short Term Fund

  • Lower mid AUM (₹4,337 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.15% (lower mid).
  • 1M return: 0.43% (bottom quartile).
  • Sharpe: 2.14 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.42% (bottom quartile).
  • Modified duration: 0.47 yrs (bottom quartile).
  • Average maturity: 0.53 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~59%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Small Industries Development Bank Of India (~3.9%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (29 Aug 25) ₹4,281.77 ↑ 0.31   (0.01 %)
Net Assets (Cr) ₹4,337 on 31 Jul 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 2.14
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.42%
Effective Maturity 6 Months 10 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 20₹10,000
31 Aug 21₹10,383
31 Aug 22₹11,029
31 Aug 23₹11,734
31 Aug 24₹12,552
31 Aug 25₹13,447

UTI Ultra 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 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 28 Jul 23

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 3.6%
1 Year 7.1%
3 Year 6.8%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anurag Mittal21 Jan 250.52 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash59.33%
Debt40.49%
Other0.18%
Debt Sector Allocation
SectorValue
Corporate62.55%
Cash Equivalent29.89%
Government7.38%
Credit Quality
RatingValue
AA12.82%
AAA87.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
4%₹181 Cr1,800
Titan Company Limited
Debentures | -
3%₹151 Cr15,000
Bajaj Housing Finance Limited
Debentures | -
2%₹101 Cr1,000
LIC Housing Finance Ltd
Debentures | -
2%₹101 Cr1,000
182 Days Tbill
Sovereign Bonds | -
2%₹99 Cr1,000,000,000
↓ -500,000,000
India (Republic of)
- | -
2%₹99 Cr1,000,000,000
Shriram Finance Limited
Debentures | -
2%₹81 Cr8,000
Indian Bank
Domestic Bonds | -
2%₹72 Cr750,000,000
Indian Bank
Domestic Bonds | -
2%₹72 Cr750,000,000
LIC Housing Finance Ltd
Debentures | -
1%₹51 Cr500
↑ 500

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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