अल्ट्रा शॉर्ट टर्म फंड V/s मुदत ठेवी

Updated on February 15, 2026 , 10551 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% (bottom quartile).
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 Jan 21	₹10,000
31 Jan 22	₹10,391
31 Jan 23	₹10,885

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. 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 (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.90% (top quartile).
1M return: 0.60% (top quartile).
Sharpe: 2.94 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.82% (top quartile).
Modified duration: 0.47 yrs (lower mid).
Average maturity: 0.61 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 (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.5%).

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 (18 Feb 26)	₹28.7729 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹16,907 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.94
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	6.82%
Effective Maturity	7 Months 10 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,412
31 Jan 23	₹10,907
31 Jan 24	₹11,672
31 Jan 25	₹12,538
31 Jan 26	₹13,391

ICICI Prudential Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Ultra Short Term Fund

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

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	3%
1 Year	6.9%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.22 Yr.
Ritesh Lunawat	15 Jun 17	8.64 Yr.

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

Asset Allocation

Asset Class	Value
Cash	79.06%
Debt	20.67%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	57.59%
Cash Equivalent	51.73%

Credit Quality

Rating	Value
AA	17.57%
AAA	82.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹450 Cr	450
Vedanta Limited Debentures \| -	2%	₹351 Cr	35,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	2%	₹311 Cr	30,843,000
Muthoot Finance Limited Debentures \| -	2%	₹303 Cr	30,000
Axis Bank Ltd. Debentures \| -	2%	₹281 Cr	6,000
Piramal Finance Limited Debentures \| -	1%	₹247 Cr	24,500 ↓ -3,000
Bank of Baroda Debentures \| -	1%	₹235 Cr	5,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹234 Cr	5,000
Indusind Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

3. 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 (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.16% (top quartile).
1M return: 0.64% (top quartile).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.53 yrs (upper 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 Shriram Finance Limited (~2.7%).

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 (18 Feb 26)	₹570.293 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹23,615 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.14
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 11 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,414
31 Jan 23	₹10,928
31 Jan 24	₹11,721
31 Jan 25	₹12,635
31 Jan 26	₹13,528

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	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.63 Yr.
Kaustubh Gupta	15 Jul 11	14.56 Yr.
Monika Gandhi	22 Mar 21	4.87 Yr.

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

Asset Allocation

Asset Class	Value
Cash	47.38%
Debt	52.33%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	54.83%
Cash Equivalent	30.8%
Government	14.08%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹610 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹543 Cr	54,000
Nirma Limited Debentures \| -	2%	₹485 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
7.25% Gujarat Sgs 2026 Sovereign Bonds \| -	2%	₹375 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹350 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹321 Cr	32,000 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹302 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹296 Cr	30,000

4. 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 (₹3,655 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.43% (lower mid).
1M return: 0.58% (lower mid).
Sharpe: 1.85 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.78% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding 18/06/2026 Maturing 182 DTB (~7.6%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (18 Feb 26)	₹4,391.78 ↑ 0.08 (0.00 %)
Net Assets (Cr)	₹3,655 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	6 Months 24 Days
Modified Duration	5 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,616
31 Jan 23	₹11,089
31 Jan 24	₹11,847
31 Jan 25	₹12,696
31 Jan 26	₹13,505

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	0.6%
3 Month	1.3%
6 Month	2.7%
1 Year	6.4%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.23 Yr.

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

Asset Allocation

Asset Class	Value
Cash	58.29%
Debt	41.38%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	53.14%
Cash Equivalent	33.69%
Government	12.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	8%	₹294 Cr	3,000,000,000 ↑ 3,000,000,000
09/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹149 Cr	1,500,000,000
Shriram Finance Limited Debentures \| -	3%	₹100 Cr	10,000
DBS Bank India Ltd. Debentures \| -	3%	₹100 Cr	1,000,000,000
Piramal Finance Limited Debentures \| -	2%	₹86 Cr	8,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500 ↓ -2,500
Canara Bank Domestic Bonds \| -	2%	₹75 Cr	750,000,000
Indian Bank Domestic Bonds \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500

5. Motilal Oswal Ultra Short Term Fund

(Erstwhile Motilal Oswal MOSt Ultra Short Term Bond Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Ultra Short Term Fund

Bottom quartile AUM (₹513 Cr).
Established history (12+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.25% (bottom quartile).
1M return: 0.48% (bottom quartile).
Sharpe: -3.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.74% (upper mid).
Modified duration: 0.42 yrs (top quartile).
Average maturity: 0.45 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding 30/07/2026 Maturing 364 DTB (~14.6%).

Below is the key information for Motilal Oswal Ultra Short Term Fund

Motilal Oswal Ultra Short Term Fund Growth
Launch Date	6 Sep 13
NAV (18 Feb 26)	₹16.984 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹513 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-3.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.74%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,245
31 Jan 23	₹10,637
31 Jan 24	₹11,264
31 Jan 25	₹11,938
31 Jan 26	₹12,556

Motilal Oswal Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Motilal Oswal 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	1.1%
6 Month	2.4%
1 Year	5.3%
3 Year	5.7%
5 Year	4.7%
10 Year
15 Year
Since launch	4.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	6%
2022	5.8%
2021	3.6%
2020	2.4%
2019	4.3%
2018	6.2%
2017	-8.1%
2016	5.5%
2015	6.4%

Fund Manager information for Motilal Oswal Ultra Short Term Fund

Name	Since	Tenure
Rakesh Shetty	22 Nov 22	3.19 Yr.

Data below for Motilal Oswal Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	70.75%
Debt	29.25%

Debt Sector Allocation

Sector	Value
Corporate	38.9%
Government	34.18%
Cash Equivalent	26.91%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
30/07/2026 Maturing 364 DTB Sovereign Bonds \| -	15%	₹73 Cr	7,500,000
12/02/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹30 Cr	3,000,000
14/05/2026 Maturing 182 DTB Sovereign Bonds \| -	5%	₹25 Cr	2,500,000
Bank of Baroda Debentures \| -	5%	₹24 Cr	2,500,000
10/09/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹24 Cr	2,500,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Kotak Mahindra Prime Limited Commercial Paper \| -	5%	₹25 Cr	2,500,000
Small Industries Development Bank Of India Certificate of Deposit \| -	5%	₹25 Cr	2,500,000
Tata Capital Limited Commercial Paper \| -	5%	₹24 Cr	2,500,000
The Federal Bank Limited Md Certificate of Deposit \| -	5%	₹24 Cr	2,500,000

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 (₹14,243 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.66% (upper mid).
1M return: 0.59% (upper mid).
Sharpe: 2.06 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~61%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Housing Finance Limited (~3.8%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (18 Feb 26)	₹44.4766 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹14,243 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	2.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,339
31 Jan 23	₹10,818
31 Jan 24	₹11,564
31 Jan 25	₹12,397
31 Jan 26	₹13,212

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	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	6.7%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.81 Yr.
Manu Sharma	1 Nov 22	3.25 Yr.

Data below for Kotak Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	60.85%
Debt	38.88%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	45.7%
Cash Equivalent	41.32%
Government	12.71%

Credit Quality

Rating	Value
AA	14.16%
AAA	85.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹642 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹578 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹571 Cr	57,050
Rec Limited Debentures \| -	2%	₹400 Cr	40,000 ↓ -7,500
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹308 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹246 Cr	25,000,000
Bank of Baroda Debentures \| -	1%	₹245 Cr	25,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹209 Cr	210

7. 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

Lower mid AUM (₹1,234 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.56% (upper mid).
1M return: 0.58% (lower mid).
Sharpe: 2.41 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (lower mid).
Modified duration: 0.46 yrs (lower mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~57%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~7.6%).

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 (18 Feb 26)	₹2,795.48 ↓ -0.18 (-0.01 %)
Net Assets (Cr)	₹1,234 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.57%
Effective Maturity	5 Months 24 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,317
31 Jan 23	₹10,764
31 Jan 24	₹11,486
31 Jan 25	₹12,349
31 Jan 26	₹13,150

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	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	6.6%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	6.08 Yr.
Vikas Garg	27 Jul 21	4.52 Yr.

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

Asset Allocation

Asset Class	Value
Cash	57.14%
Debt	42.56%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	45.64%
Cash Equivalent	40.82%
Government	13.23%

Credit Quality

Rating	Value
AA	14.9%
AAA	85.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹100 Cr	10,000,000 ↑ 7,500,000
Small Industries Development Bank Of India Debentures \| -	5%	₹65 Cr	6,500,000 ↑ 5,000,000
19/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
27/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹50 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
Power Finance Corporation Limited Debentures \| -	3%	₹35 Cr	3,500,000
Tbill Sovereign Bonds \| -	3%	₹35 Cr	3,502,500 ↑ 3,502,500
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

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 (₹14,639 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.78% (upper mid).
1M return: 0.58% (upper mid).
Sharpe: 2.90 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Gs 2026 (~6.3%).

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 (18 Feb 26)	₹6,203.48 ↑ 0.43 (0.01 %)
Net Assets (Cr)	₹14,639 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,355
31 Jan 23	₹10,838
31 Jan 24	₹11,602
31 Jan 25	₹12,457
31 Jan 26	₹13,296

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	0.6%
3 Month	1.4%
6 Month	3%
1 Year	6.8%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7%
2023	7.4%
2022	7%
2021	4.5%
2020	3.4%
2019	5.9%
2018	8%
2017	7.9%
2016	6.6%
2015	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.72 Yr.

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

Asset Allocation

Asset Class	Value
Cash	73.4%
Debt	29.82%
Other	0.34%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.52%
Corporate	39.77%
Government	4.37%

Credit Quality

Rating	Value
AA	21.49%
AAA	78.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Gs 2026 Sovereign Bonds \| -	6%	₹880 Cr	88,000,000 ↑ 19,500,000
Small Industries Development Bank of India Debentures \| -	4%	₹562 Cr	12,000
Standard Chartered Bank - \| -	4%	-₹500 Cr
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹390 Cr	39,000 ↓ -15,500
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹327 Cr	7,000 ↑ 7,000
Canara Bank Domestic Bonds \| -	2%	₹299 Cr	6,000
Adani Power Limited Debentures \| -	2%	₹299 Cr	30,000 ↑ 30,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹280 Cr	6,000 ↑ 6,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹253 Cr	255
HSBC Bank PLC Debentures \| -	2%	-₹250 Cr

9. 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

Upper mid AUM (₹3,972 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.44% (lower mid).
1M return: 0.54% (bottom quartile).
Sharpe: 1.58 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.45 yrs (upper mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~51%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.0%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (18 Feb 26)	₹3,523.95 ↓ -0.07 (0.00 %)
Net Assets (Cr)	₹3,972 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	1.58
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,306
31 Jan 23	₹10,747
31 Jan 24	₹11,473
31 Jan 25	₹12,266
31 Jan 26	₹13,049

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	1.2%
6 Month	2.7%
1 Year	6.4%
3 Year	6.7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.67 Yr.
Shalini Vasanta	1 Jan 25	1.08 Yr.

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

Asset Allocation

Asset Class	Value
Cash	50.56%
Debt	48.98%
Other	0.46%

Debt Sector Allocation

Sector	Value
Corporate	67.98%
Cash Equivalent	20.14%
Government	11.42%

Credit Quality

Rating	Value
AA	19.85%
AAA	80.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹176 Cr	17,000
5.63% Gs 2026 Sovereign Bonds \| -	5%	₹163 Cr	16,000,000 ↓ -1,500,000
Godrej Properties Limited Debentures \| -	4%	₹131 Cr	12,500
Piramal Finance Limited Debentures \| -	3%	₹103 Cr	10,000
Aadhar Housing Finance Limited Debentures \| -	3%	₹103 Cr	9,700
Aditya Birla Renewables Limited Debentures \| -	2%	₹78 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹77 Cr	7,500
National Housing Bank Debentures \| -	1%	₹52 Cr	5,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	1%	₹52 Cr	5,000

10. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Ultra Short Term Fund

Bottom quartile AUM (₹457 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.59% (upper mid).
Sharpe: 1.12 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.54 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~35%).
High-quality debt (AAA/AA ~100%).
Largest holding Goi Floating Rate Bond 2033 (~11.0%).

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund Growth
Launch Date	14 Jul 08
NAV (18 Feb 26)	₹3,929.53 ↓ -0.02 (0.00 %)
Net Assets (Cr)	₹457 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.94
Sharpe Ratio	1.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	6 Months 13 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,275
31 Jan 23	₹10,703
31 Jan 24	₹11,391
31 Jan 25	₹12,162
31 Jan 26	₹12,908

Canara Robeco 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 Canara Robeco 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	0.6%
3 Month	1.2%
6 Month	2.6%
1 Year	6.2%
3 Year	6.5%
5 Year	5.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	6.8%
2022	6.4%
2021	3.9%
2020	2.6%
2019	4.5%
2018	6.6%
2017	6.1%
2016	5.7%
2015	7.3%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.84 Yr.
Kunal Jain	16 Sep 24	1.38 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	34.96%
Debt	64.67%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	66.13%
Government	25.37%
Cash Equivalent	8.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	11%	₹52 Cr	5,000,000 ↑ 2,500,000
Union Bank of India Domestic Bonds \| -	9%	₹44 Cr	900
Kotak Mahindra Prime Limited Debentures \| -	5%	₹25 Cr	2,500
Rec Limited Debentures \| -	5%	₹25 Cr	2,500
Power Finance Corporation Limited Debentures \| -	5%	₹25 Cr	250
Small Industries Development Bank Of India Debentures \| -	5%	₹25 Cr	2,500
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹24 Cr	2,400
Power Finance Corporation Limited Debentures \| -	4%	₹20 Cr	2,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹20 Cr	2,000

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.