आवर्ती ठेव (RD) म्हणजे काय?

Updated on September 17, 2025 , 61924 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. 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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,388
31 Aug 22	₹10,824

IDBI 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 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. 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 (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.88% (top quartile).
1M return: 0.48% (upper mid).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.9%).

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 Sep 25)	₹556.548 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹21,521 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
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

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

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4%
1 Year	7.9%
3 Year	7.4%
5 Year	6.2%
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	11.21 Yr.
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Monika Gandhi	22 Mar 21	4.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.54%
Debt	56.21%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	63.99%
Cash Equivalent	23.22%
Government	12.53%

Credit Quality

Rating	Value
AA	30.21%
AAA	69.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹488 Cr	48,500
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹415 Cr	42,000,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹378 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹361 Cr	3,600
Mankind Pharma Limited Debentures \| -	2%	₹349 Cr	34,500
Bharti Telecom Limited Debentures \| -	1%	₹321 Cr	3,200
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹316 Cr	3,150
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

3. 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

Lower mid AUM (₹11,076 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 7.13% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.31 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.72% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.67 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.5%).

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 Sep 25)	₹4,082.37 ↑ 0.47 (0.01 %)
Net Assets (Cr)	₹11,076 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.31
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.

Date	Value
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

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

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3.6%
1 Year	7.1%
3 Year	6.9%
5 Year	6.7%
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	11.93 Yr.
Kinjal Desai	25 May 18	7.28 Yr.
Akshay Sharma	1 Dec 22	2.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.78%
Debt	55.97%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	65.48%
Cash Equivalent	19.47%
Government	14.8%

Credit Quality

Rating	Value
AA	19.5%
AAA	80.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹488 Cr	48,500 ↑ 3,500
Power Finance Corporation Limited Debentures \| -	3%	₹353 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹227 Cr	22,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹202 Cr	20,000
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹199 Cr	20,000,000
India (Republic of) - \| -	2%	₹198 Cr	20,000,000 ↑ 20,000,000
364 DTB 27112025 Sovereign Bonds \| -	2%	₹197 Cr	20,000,000 ↑ 20,000,000
Piramal Finance Limited Debentures \| -	2%	₹196 Cr	19,500

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 (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.39% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.39 yrs (upper mid).
Average maturity: 0.59 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 (~51%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.11% Govt Stock 2028 (~4.9%).

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 Sep 25)	₹28.092 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹16,980 on 15 Sep 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.88
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	6.66%
Effective Maturity	7 Months 2 Days
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
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

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

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.8%
1 Year	7.4%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

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	8.8 Yr.
Ritesh Lunawat	15 Jun 17	8.22 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	51%
Debt	48.73%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.96%
Cash Equivalent	25.24%
Government	17.52%

Credit Quality

Rating	Value
AA	16.19%
AAA	83.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	5%	₹834 Cr	82,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹602 Cr	6,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹581 Cr	57,500
182 Days Tbill Sovereign Bonds \| -	3%	₹498 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹377 Cr	3,750
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	2%	₹276 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	1%	₹252 Cr	25,000
Larsen And Toubro Limited Debentures \| -	1%	₹251 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	1%	₹226 Cr	2,250

5. 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% (bottom quartile).
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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,338
31 Aug 22	₹10,745

IDBI Liquid 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 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. 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.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹15,667 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.13% (upper mid).
1M return: 0.42% (bottom quartile).
Sharpe: 2.02 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.41% (bottom quartile).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding 8.2% Govt Stock 2025 (~5.2%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (19 Sep 25)	₹43.4465 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹15,667 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	2.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.41%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,360
31 Aug 22	₹10,730
31 Aug 23	₹11,433
31 Aug 24	₹12,232
31 Aug 25	₹13,113

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 28 Jul 23

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3.7%
1 Year	7.1%
3 Year	6.9%
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	17.39 Yr.
Manu Sharma	1 Nov 22	2.84 Yr.

Data below for Kotak Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	55.86%
Debt	43.85%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	60.67%
Cash Equivalent	21.41%
Government	17.63%

Credit Quality

Rating	Value
AA	8.74%
AAA	91.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
8.2% Govt Stock 2025 Sovereign Bonds \| -	5%	₹802 Cr	80,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹689 Cr	68,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹647 Cr	6,420
Rec Limited Debentures \| -	3%	₹478 Cr	47,500
Mankind Pharma Limited Debentures \| -	2%	₹303 Cr	30,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹242 Cr	25,000,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹240 Cr	25,000,000
Bharti Telecom Limited Debentures \| -	1%	₹226 Cr	2,250
08.49 Tn SDL 2026 Sovereign Bonds \| -	1%	₹203 Cr	20,080,000
Vedanta Limited Debentures \| -	1%	₹201 Cr	20,000

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.