अल्ट्रा शॉर्ट टर्म फंड V/s मुदत ठेवी

Updated on November 23, 2025 , 10441 views

तुम्ही गोंधळलेले आहातकुठे गुंतवणूक करावी अल्पकालीन पैसे? अल्ट्रा दरम्यान निवडताना तुम्ही गोंधळात पडताअल्पकालीन निधी आणि मुदत ठेवी? काळजी करू नका, तुमच्या प्रश्नांची उत्तरे येथे दिली जातील. अल्ट्रा शॉर्ट टर्म फंड म्हणजे अम्युच्युअल फंड निश्चित गुंतवणूक करणारी श्रेणीउत्पन्न लहान परिपक्वता कालावधी असलेली साधने. मुदत ठेव किंवाएफडी दुसरीकडे, एक गुंतवणुकीचा मार्ग आहे ज्यामध्ये लोक ठराविक कालावधीसाठी पैसे जमा करतात आणि व्याजासह परिपक्वतेवर परत मिळवतात. तर, अल्ट्रा शॉर्ट टर्म फंड आणि मुदत ठेवींपैकी कोणती गुंतवणूक करणे चांगले आहे ते पाहू या.

अल्ट्रा शॉर्ट टर्म फंड म्हणजे काय?

अल्ट्रा शॉर्ट टर्म फंड हा एक प्रकार आहेकर्ज निधी. ही योजना तिच्या निधीची गुंतवणूक करतेनिश्चित उत्पन्न साधने ज्यांचा परिपक्वता कालावधी सामान्यतः दरम्यान असतो91 दिवस ते 1 वर्ष. ही योजना वरील खाच मानली जातेलिक्विड फंड आणि जे लोक किरकोळ जास्त जोखीम घेण्यास इच्छुक आहेत ते अधिक परतावा मिळविण्यासाठी अल्ट्रा शॉर्ट टर्म फंडांमध्ये गुंतवणूक करणे निवडू शकतात.

मुदत ठेवी म्हणजे काय?

मुदत ठेव किंवा FD हा गुंतवणुकीचा एक पारंपारिक स्रोत आहे जेथे लोकांना विशिष्ट कालावधीसाठी विशिष्ट रक्कम जमा करणे आवश्यक असते. गुंतवलेल्या या पैशावर व्याज मिळते. अल्प-मुदतीसाठी तसेच दीर्घकालीन कार्यकाळासाठी हा एक चांगला गुंतवणुकीचा मार्ग निवडला जाऊ शकतो. एफडीवरील व्याजदर पूर्वनिर्धारित असतो आणि त्याचे परतावे गुंतवणूकदारांच्या हातात करपात्र असतात.

अल्ट्रा शॉर्ट टर्म फंड किंवा फिक्स्ड डिपॉझिट: कोणते चांगले आहे?

दोन्ही गुंतवणुकीच्या मार्गांची स्वतःची वैशिष्ट्ये आणि वैशिष्ट्ये असल्याने, विविध पॅरामीटर्सच्या आधारे कोणता गुंतवणूक मार्ग सर्वोत्तम आहे ते पाहू या.

किमान गुंतवणूक

फिक्स्ड डिपॉझिटच्या बाबतीत किमान गुंतवणूक च्‍या दरम्यान असते₹१,000-₹१०,००० वर अवलंबून आहेबँक. तथापि, अल्ट्रा शॉर्ट टर्म फंडांच्या बाबतीत, किमान गुंतवणूक आहे₹५०० पर्यंतSIP गुंतवणुकीची पद्धत आणिगुंतवणुकीच्या एकरकमी पद्धतीने ₹1,000.

व्याज दर

व्याजदराच्या संदर्भात, FD मध्ये पूर्वनिर्धारित व्याजदर असतो जो वेळेनुसार बदलत नाही. तथापि, अल्ट्रा शॉर्ट टर्म फंडांच्या बाबतीत, योजनेच्या कामगिरीनुसार परतावा बदलू शकतो. सध्या, आर्थिक वर्ष 2017-18 नुसार, एफडीचे दरश्रेणी गुंतवणूक एका वर्षासाठी ठेवल्यास अंदाजे 6%-7% दरम्यान. तथापि, अल्ट्रा शॉर्ट टर्म फंडांच्या बाबतीत, गुंतवणूक एका वर्षासाठी ठेवल्यास परतावा अंदाजे 7% पेक्षा जास्त असतो.

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कार्यकाळ

एफडीचा वापर अल्प आणि दीर्घकालीन अशा दोन्ही कालावधीसाठी गुंतवणूक म्हणून केला जाऊ शकतो. कारण हे गुंतवणुकीचे पारंपरिक मार्ग मानले जाते. याउलट,अल्ट्रा शॉर्ट टर्म फंड साधारणपणे, अल्पकालीन गुंतवणूक कालावधीसाठी वापरला जातो. ज्या लोकांकडे जास्त निधी आहेबचत खाते अधिक कमावण्यासाठी या योजनेत गुंतवणूक करणे निवडू शकता. गुंतवणुकीच्या कालावधीत, लोक मुदत ठेवीतून त्यांचे पैसे काढू शकत नाहीत. जरी त्यांना पैसे काढण्याची गरज असली तरी, त्यांना बँकेला काही निश्चित शुल्क भरावे लागेल. दुसरीकडे, लोकगुंतवणूक मुदत ठेवींच्या तुलनेत अल्ट्रा शॉर्ट टर्म फंडातील त्यांचे पैसे सहज काढू शकतात. अनेक योजनांमध्ये, गुंतवणूकदारांना या कालावधीत कोणतेही एक्झिट लोड भरण्याची गरज नाहीविमोचन.

जोखीम-भूक

एफडी हे जोखीममुक्त गुंतवणुकीचे मार्ग मानले जातात ज्यामध्ये; ठेवी अधिक सुरक्षित मानल्या जातात. उलटपक्षी, अल्ट्रा शॉर्ट टर्म फंडांमध्ये गुंतवणूक करण्याचे निवडणारे लोक उच्च परतावा मिळविण्यासाठी किरकोळ उच्च पातळीची जोखीम घेण्यास सक्षम असतात.

तरलता

दतरलता अल्ट्रा शॉर्ट टर्म फंडाच्या बाबतीत मुदत ठेवींच्या तुलनेत जास्त आहे. मुदत ठेवीच्या तुलनेत या योजनांमधून पैसे काढणे तुलनेने सोपे आहे.

कर आकारणी

अल्ट्रा शॉर्ट टर्म फंड आणि मुदत ठेवी या दोन्हीसाठी कर आकारणीचे नियम वेगळे आहेत. मुदत ठेवीवर मिळणाऱ्या व्याजाच्या बाबतीत, पैसे जमा केले जातातगुंतवणूकदारचे उत्पन्न आणि व्यक्तीच्या नियमित कर स्लॅबनुसार कर आकारला जातो. तथापि, अल्ट्रा शॉर्ट टर्म फंडाच्या बाबतीत मिळालेला परतावा डेट फंडांनुसार करपात्र असतो. नियमानुसार, अल्ट्रा शॉर्ट टर्म फंडातील गुंतवणूक तीन वर्षांपेक्षा जास्त काळ ठेवल्यास, दीर्घकालीनभांडवल नफा लागू होतो, जर कार्यकाळ तीन वर्षांपेक्षा कमी असेल, तर अल्पकालीन भांडवली नफा लागू होतो. दीर्घकालीन बाबतीतभांडवली लाभ, त्यावर इंडेक्सेशन फायद्यांसह 20% कर आकारला जातो आणि अल्पकालीन भांडवली नफ्यासाठी, ते उत्पन्नात जोडले जाते आणि व्यक्तीच्या स्लॅब दरानुसार कर आकारला जातो.

खाली दिलेला तक्ता अल्ट्रा शॉर्ट टर्म फंड आणि मुदत ठेवी यांच्यातील तुलना सारांशित करतो.

पॅरामीटर्स	अल्ट्रा शॉर्ट टर्म फंड	मुदत ठेवी
परतावा	योजनेच्या कामगिरीनुसार बदलते	पूर्वनिर्धारित
किमान गुंतवणूक	SIP मध्ये ₹500 आणि Lumpsum मध्ये ₹1,000 ने सुरू होते	₹1,000-₹10,000 मधील श्रेणी
कार्यकाळ	सामान्यतः अल्प-मुदतीसाठी वापरले जाते	अल्पकालीन आणि दीर्घकालीन दोन्ही कार्यकाळ
धोका	किरकोळ उच्च	कमी
तरलता	उच्च	कमी
कर आकारणी	अल्पकालीन: व्यक्तीच्या स्लॅब दरांनुसार कर आकारला जातोदीर्घकालीन: 20% दराने कर आकारला आणि कर आकारणी फायदे आहेत	व्यक्तीच्या स्लॅब दरांनुसार कर आकारला जातो

10 सर्वोत्तम कामगिरी करणारे अल्ट्रा शॉर्ट टर्म 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 (top quartile).
Average maturity: 0.23 yrs (top quartile).
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 Oct 20	₹10,000
31 Oct 21	₹10,420
31 Oct 22	₹10,840

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 (₹22,389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.63% (top quartile).
1M return: 0.58% (top quartile).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.81% (top quartile).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.56 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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 (25 Nov 25)	₹563.319 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹22,389 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

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	0.6%
3 Month	1.6%
6 Month	3.4%
1 Year	7.6%
3 Year	7.5%
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	11.38 Yr.
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Monika Gandhi	22 Mar 21	4.62 Yr.

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

Asset Allocation

Asset Class	Value
Cash	49.2%
Debt	50.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	47.85%
Cash Equivalent	39.2%
Government	12.71%

Credit Quality

Rating	Value
AA	28.73%
AAA	71.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Mankind Pharma Limited Debentures \| -	1%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	1%	₹344 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹272 Cr	27,000

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

Upper mid AUM (₹12,641 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.93% (lower mid).
1M return: 0.52% (upper mid).
Sharpe: 2.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.64 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

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 (25 Nov 25)	₹4,127.72 ↑ 0.89 (0.02 %)
Net Assets (Cr)	₹12,641 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.13
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	7 Months 19 Days
Modified Duration	5 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,811
31 Oct 22	₹11,262
31 Oct 23	₹12,020
31 Oct 24	₹12,882
31 Oct 25	₹13,781

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	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	6.9%
3 Year	6.9%
5 Year	6.6%
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	12.09 Yr.
Kinjal Desai	25 May 18	7.44 Yr.
Akshay Sharma	1 Dec 22	2.92 Yr.
Lokesh Maru	5 Sep 25	0.16 Yr.
Divya Sharma	5 Sep 25	0.16 Yr.

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

Asset Allocation

Asset Class	Value
Cash	44.47%
Debt	55.33%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	54.03%
Cash Equivalent	30.17%
Government	15.6%

Credit Quality

Rating	Value
AA	23.81%
AAA	76.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹487 Cr	48,500
182 Days Tbill Sovereign Bonds \| -	2%	₹294 Cr	30,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹251 Cr	25,000 ↓ -10,000
JSW Energy Limited Debentures \| -	2%	₹251 Cr	25,000
Small Industries Development Bank Of India Debentures \| -	2%	₹251 Cr	2,500
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹227 Cr	22,500
Aadhar Housing Finance Limited Debentures \| -	2%	₹202 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹201 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹201 Cr	2,000

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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Top quartile AUM (₹17,841 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.23% (top quartile).
1M return: 0.55% (upper mid).
Sharpe: 2.79 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (upper mid).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.53 yrs (upper mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~60%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.22% Govt Stock 2028 (~3.5%).

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 (25 Nov 25)	₹28.4225 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹17,841 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.79
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	6.64%
Effective Maturity	6 Months 11 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,410
31 Oct 22	₹10,833
31 Oct 23	₹11,585
31 Oct 24	₹12,446
31 Oct 25	₹13,352

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	3.3%
1 Year	7.2%
3 Year	7.2%
5 Year	6%
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	8.97 Yr.
Ritesh Lunawat	15 Jun 17	8.39 Yr.

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

Asset Allocation

Asset Class	Value
Cash	59.71%
Debt	40.29%

Debt Sector Allocation

Sector	Value
Corporate	43.89%
Cash Equivalent	39.51%
Government	14.12%
Securitized	2.49%

Credit Quality

Rating	Value
AA	19.37%
AAA	80.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.22% Govt Stock 2028 Sovereign Bonds \| -	4%	₹653 Cr	64,636,600
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹613 Cr	61,000 ↑ 3,500
LIC Housing Finance Ltd Debentures \| -	3%	₹600 Cr	6,000
364 DTB 15012026 Sovereign Bonds \| -	3%	₹496 Cr	50,000,000 ↑ 50,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹460 Cr	450
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹376 Cr	3,750
Small Industries Development Bank Of India Debentures \| -	2%	₹352 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹277 Cr	27,500
India (Republic of) - \| -	1%	₹250 Cr	25,000,000

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.

Research Highlights for UTI Ultra Short Term Fund

Lower mid AUM (₹4,097 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.78% (bottom quartile).
1M return: 0.51% (lower mid).
Sharpe: 1.70 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.63% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.54 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~53%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.8%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (25 Nov 25)	₹4,340.61 ↑ 0.91 (0.02 %)
Net Assets (Cr)	₹4,097 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.7
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	6 Months 13 Days
Modified Duration	5 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,628
31 Oct 22	₹11,019
31 Oct 23	₹11,762
31 Oct 24	₹12,608
31 Oct 25	₹13,470

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3%
1 Year	6.8%
3 Year	6.9%
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
Abhishek Sonthalia	10 Nov 25	0 Yr.

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

Asset Allocation

Asset Class	Value
Cash	53.1%
Debt	46.6%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	53.87%
Cash Equivalent	30.06%
Government	15.76%

Credit Quality

Rating	Value
AA	17.52%
AAA	82.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹201 Cr	20,000 ↑ 5,000
182 DAYS T-BILL - 09/04/2026 Sovereign Bonds \| -	5%	₹196 Cr	2,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹101 Cr	10,000
TATA Communications Limited Debentures \| -	2%	₹101 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹100 Cr	1,000 ↑ 1,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹75 Cr	750
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹75 Cr	750
Indian Bank Domestic Bonds \| -	2%	₹74 Cr	750,000,000

6. DSP Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP Money Manager Fund

Lower mid AUM (₹3,960 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.84% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 1.47 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.54% (lower mid).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.64 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~53%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.59% Govt Stock 2026 (~3.8%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (25 Nov 25)	₹3,486.34 ↑ 0.72 (0.02 %)
Net Assets (Cr)	₹3,960 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	1.47
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.54%
Effective Maturity	7 Months 20 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,284
31 Oct 22	₹10,648
31 Oct 23	₹11,361
31 Oct 24	₹12,150
31 Oct 25	₹12,986

DSP Money Manager 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 DSP Money Manager 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	1.4%
6 Month	3%
1 Year	6.8%
3 Year	6.8%
5 Year	5.4%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%
2015	7.9%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.42 Yr.
Shalini Vasanta	1 Jan 25	0.83 Yr.

Data below for DSP Money Manager Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	53.3%
Debt	46.3%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	46.8%
Cash Equivalent	38.31%
Government	14.51%

Credit Quality

Rating	Value
AA	13.53%
AAA	86.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.59% Govt Stock 2026 Sovereign Bonds \| -	4%	₹154 Cr	15,000,000 ↑ 10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹154 Cr	15,000
Godrej Properties Limited Debentures \| -	3%	₹129 Cr	12,500 ↑ 10,000
Small Industries Development Bank Of India Debentures \| -	3%	₹102 Cr	10,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹101 Cr	9,700 ↑ 9,700
Piramal Finance Limited Debentures \| -	2%	₹101 Cr	10,000
National Housing Bank Debentures \| -	2%	₹78 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500
Aditya Birla Renewables Limited Debentures \| -	2%	₹77 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500

7. 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 (₹15,149 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.94% (upper mid).
1M return: 0.52% (lower mid).
Sharpe: 1.86 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.53 yrs (lower mid).
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 Bajaj Housing Finance Limited (~4.2%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (25 Nov 25)	₹43.9326 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹15,149 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,324
31 Oct 22	₹10,731
31 Oct 23	₹11,467
31 Oct 24	₹12,290
31 Oct 25	₹13,149

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	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	6.9%
3 Year	7%
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	17.56 Yr.
Manu Sharma	1 Nov 22	3 Yr.

Data below for Kotak Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	47.47%
Debt	52.23%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	50.84%
Cash Equivalent	25.86%
Government	22.08%
Securitized	0.93%

Credit Quality

Rating	Value
AA	10.87%
AAA	89.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹645 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹583 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹572 Cr	57,000 ↓ -20,000
Rec Limited Debentures \| -	3%	₹476 Cr	47,500
182 Days Treasury Bill 08/05/2026 Tb Sovereign Bonds \| -	2%	₹317 Cr	32,500,000 ↑ 32,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹304 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹302 Cr	30,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹243 Cr	25,000,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹213 Cr	210

8. 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.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹14,505 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.09% (upper mid).
1M return: 0.55% (top quartile).
Sharpe: 2.48 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.39 yrs (top quartile).
Average maturity: 0.49 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 5.63% Govt Stock 2026 (~4.6%).

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 (25 Nov 25)	₹6,126.54 ↑ 1.58 (0.03 %)
Net Assets (Cr)	₹14,505 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	5 Months 26 Days
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,337
31 Oct 22	₹10,741
31 Oct 23	₹11,492
31 Oct 24	₹12,345
31 Oct 25	₹13,225

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	7.1%
3 Year	7.2%
5 Year	5.8%
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
Sudhir Agrawal	15 May 25	0.47 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	59.03%
Debt	40.66%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	46.27%
Cash Equivalent	38.14%
Government	15.27%

Credit Quality

Rating	Value
AA	9.58%
AAA	90.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	5%	₹685 Cr	68,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹547 Cr	54,500 ↑ 25,000
HDFC Bank Ltd. Debentures \| -	3%	₹490 Cr	10,000
Rec Limited Debentures \| -	3%	₹400 Cr	4,000
Ntpc Limited Debentures \| -	2%	₹349 Cr	34,800
Bank of Baroda Debentures \| -	2%	₹295 Cr	6,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹258 Cr	255
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000
364 Day T-Bill 06.11.26 Sovereign Bonds \| -	2%	₹237 Cr	25,000,000 ↑ 25,000,000
Muthoot Finance Limited Debentures \| -	2%	₹226 Cr	22,500

9. 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.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,259 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.99% (upper mid).
1M return: 0.51% (bottom quartile).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.42 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.3%).

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 (25 Nov 25)	₹2,762.83 ↑ 0.57 (0.02 %)
Net Assets (Cr)	₹1,259 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	5 Months 2 Days
Modified Duration	4 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,299
31 Oct 22	₹10,668
31 Oct 23	₹11,378
31 Oct 24	₹12,219
31 Oct 25	₹13,080

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.1%
1 Year	7%
3 Year	7%
5 Year	5.5%
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	5.83 Yr.
Vikas Garg	27 Jul 21	4.27 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	58.17%
Debt	41.55%
Other	0.28%

Debt Sector Allocation

Sector	Value
Cash Equivalent	42.37%
Corporate	39.68%
Government	17.67%

Credit Quality

Rating	Value
AA	21.58%
AAA	78.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹75 Cr	7,500,000 ↑ 7,500,000
Small Industries Development Bank Of India Debentures \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹40 Cr	4,000,000
Sundaram Home Finance Limited Debentures \| -	3%	₹35 Cr	3,500,000
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000

10. BOI AXA Ultra Short Duration Fund

(Erstwhile BOI AXA Treasury Advantage Fund)

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for BOI AXA Ultra Short Duration Fund

Bottom quartile AUM (₹191 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.57% (bottom quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.27% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.42 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Limited (~9.9%).

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (25 Nov 25)	₹3,234.77 ↑ 0.62 (0.02 %)
Net Assets (Cr)	₹191 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.97
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.27%
Effective Maturity	5 Months 1 Day
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,306
31 Oct 22	₹10,704
31 Oct 23	₹11,388
31 Oct 24	₹12,137
31 Oct 25	₹12,941

BOI AXA 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 BOI AXA 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	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.6%
3 Year	6.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	6.2%
2022	4.4%
2021	3.2%
2020	4.9%
2019	7.5%
2018	7.6%
2017	8%
2016	9.1%
2015	8.7%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.21 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	58.23%
Debt	41.52%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	55.13%
Cash Equivalent	31.53%
Government	13.09%

Credit Quality

Rating	Value
AA	15.05%
AAA	84.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	10%	₹19 Cr	1,850,000
Power Finance Corporation Limited Debentures \| -	10%	₹18 Cr	1,800,000
LIC Housing Finance Ltd Debentures \| -	9%	₹18 Cr	1,800,000
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹15 Cr	1,500,000
91 Days Tbill (Md 23/01/2026) Sovereign Bonds \| -	8%	₹15 Cr	1,500,000
Manappuram Finance Limited Debentures \| -	7%	₹14 Cr	1,400,000
360 One Prime Limited Debentures \| -	7%	₹13 Cr	1,300,000
364 DTB 15012026 Sovereign Bonds \| -	1%	₹2 Cr	200,000
Corporate Debt Market Development Fund # Investment Fund \| -	0%	₹0 Cr	417
HDFC Bank Limited Certificate of Deposit \| -	10%	₹19 Cr	1,900,000

अशा प्रकारे, वर दिलेल्या पॅरामीटर्सवरून, आपण असा निष्कर्ष काढू शकतो की मुदत ठेवींच्या तुलनेत अल्ट्रा शॉर्ट टर्म फंड हा एक चांगला पर्याय आहे.

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.