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 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.
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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.
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 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
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!
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.
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. Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on 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 Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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 Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on 1. 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 Returns for IDBI Ultra Short Term Fund
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. 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.
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 Returns for Nippon India Ultra Short Duration Fund
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 1.5% 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
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 11.84 Yr. Kinjal Desai 25 May 18 7.19 Yr. Akshay Sharma 1 Dec 22 2.67 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 46.67% Debt 53.05% Other 0.28% Debt Sector Allocation
Sector Value Corporate 60.71% Cash Equivalent 27.11% Government 11.9% Credit Quality
Rating Value AA 15.55% AAA 84.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of India Ltd.
Debentures | -5% ₹495 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹453 Cr 45,000 Power Finance Corporation Limited
Debentures | -4% ₹353 Cr 35,000
↑ 17,500 182 Days Tbill
Sovereign Bonds | -3% ₹248 Cr 25,000,000 Vedanta Limited
Debentures | -2% ₹242 Cr 24,000 LIQUID GOLD SERIES 10
Unlisted bonds | -2% ₹206 Cr 82 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% ₹198 Cr 20,000,000 Piramal Finance Limited
Debentures | -2% ₹195 Cr 19,500
↑ 9,500 3. 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 Returns for IDBI Liquid Fund
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 4. 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.
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 Returns for ICICI Prudential Ultra Short Term Fund
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 3.8% 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
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 8.71 Yr. Ritesh Lunawat 15 Jun 17 8.13 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 48.61% Debt 51.13% Other 0.26% Debt Sector Allocation
Sector Value Corporate 57.81% Cash Equivalent 25.49% Government 16.45% Credit Quality
Rating Value AA 18.42% AAA 81.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -5% ₹835 Cr 82,500,000 LIC Housing Finance Ltd
Debentures | -3% ₹603 Cr 6,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹581 Cr 57,500
↑ 10,000 182 Days Tbill
Sovereign Bonds | -3% ₹496 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% ₹275 Cr 27,500 Small Industries Development Bank Of India
Debentures | -1% ₹253 Cr 25,000 Larsen And Toubro Limited
Debentures | -1% ₹251 Cr 25,000 LIC Housing Finance Ltd
Debentures | -1% ₹226 Cr 2,250 5. 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.
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 Returns for Aditya Birla Sun Life Savings Fund
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 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
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 11.12 Yr. Kaustubh Gupta 15 Jul 11 14.06 Yr. Monika Gandhi 22 Mar 21 4.36 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 36.33% Debt 63.4% Other 0.27% Debt Sector Allocation
Sector Value Corporate 64.44% Cash Equivalent 20.11% Government 15.18% Credit Quality
Rating Value AA 36.06% AAA 64.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹614 Cr 60,000 Nirma Limited
Debentures | -2% ₹489 Cr 48,500 Gujarat (Government of)
- | -2% ₹378 Cr 37,500,000 Axis Bank Ltd.
Debentures | -2% ₹366 Cr 7,500
↑ 500 Bharti Telecom Limited
Debentures | -2% ₹362 Cr 3,600 Mankind Pharma Limited
Debentures | -2% ₹349 Cr 34,500 Bharti Telecom Limited
Debentures | -2% ₹322 Cr 3,200
↑ 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹317 Cr 3,150 Avanse Financial Services Limited
Debentures | -1% ₹302 Cr 30,000 ICICI Home Finance Company Limited
Debentures | -1% ₹270 Cr 27,000 6. 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.
Date Value 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 Returns for UTI Ultra Short Term Fund
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 1.5% 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
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 0.52 Yr. Data below for UTI Ultra Short Term Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 59.33% Debt 40.49% Other 0.18% Debt Sector Allocation
Sector Value Corporate 62.55% Cash Equivalent 29.89% Government 7.38% Credit Quality
Rating Value AA 12.82% AAA 87.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹181 Cr 1,800 Titan Company Limited
Debentures | -3% ₹151 Cr 15,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 LIC Housing Finance Ltd
Debentures | -2% ₹101 Cr 1,000 182 Days Tbill
Sovereign Bonds | -2% ₹99 Cr 1,000,000,000
↓ -500,000,000 India (Republic of)
- | -2% ₹99 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000 Indian Bank
Domestic Bonds | -2% ₹72 Cr 750,000,000 Indian Bank
Domestic Bonds | -2% ₹72 Cr 750,000,000 LIC Housing Finance Ltd
Debentures | -1% ₹51 Cr 500
↑ 500
Research Highlights for IDBI Ultra Short Term Fund