Table of Contents
ਜੇ ਤੁਸੀਂ ਜਾਣਦੇ ਹੋ ਕਿ ਕਿਵੇਂ ਇੱਕ ਪ੍ਰਣਾਲੀਗਤਨਿਵੇਸ਼ ਯੋਜਨਾ (SIP) ਦਾਮਿਉਚੁਅਲ ਫੰਡ ਕੰਮ ਕਰਦਾ ਹੈ, ਫਿਰ ਤੁਸੀਂ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਨੂੰ ਆਸਾਨੀ ਨਾਲ ਸਮਝ ਸਕੋਗੇ! ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ (RD) ਵਿੱਚ ਹਰ ਮਹੀਨੇ ਇੱਕ ਨਿਸ਼ਚਿਤ ਕਿਸ਼ਤ ਕੀਤੀ ਜਾਂਦੀ ਹੈ ਅਤੇ ਵਿਆਜ ਦਾ ਭੁਗਤਾਨਬੈਂਕ ਇਸ ਰਕਮ 'ਤੇ. ਆਓ RD ਖਾਤੇ ਬਾਰੇ ਹੋਰ ਸਮਝੀਏ,RD ਵਿਆਜ ਦਰਾਂ,RD ਕੈਲਕੁਲੇਟਰ, RD ਵਿਆਜ ਕੈਲਕੁਲੇਟਰ, ਆਦਿ।
ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਉਹਨਾਂ ਲਈ ਇੱਕ ਨਿਵੇਸ਼-ਕਮ ਬਚਤ ਵਿਕਲਪ ਹੈ ਜੋ ਇੱਕ ਨਿਸ਼ਚਿਤ ਸਮੇਂ ਵਿੱਚ ਨਿਯਮਿਤ ਤੌਰ 'ਤੇ ਬੱਚਤ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ ਅਤੇ ਉੱਚ ਵਿਆਜ ਦਰ ਕਮਾਉਣਾ ਚਾਹੁੰਦੇ ਹਨ। ਹਰ ਮਹੀਨੇ, ਇੱਕ ਤੋਂ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ ਦੀ ਕਟੌਤੀ ਕੀਤੀ ਜਾਂਦੀ ਹੈਬਚਤ ਖਾਤਾ ਜਾਂ ਇੱਕ ਚਾਲੂ ਖਾਤਾ। ਪਰਿਪੱਕਤਾ ਦੀ ਮਿਆਦ ਦੇ ਅੰਤ 'ਤੇ, ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਉਨ੍ਹਾਂ ਦੇ ਨਿਵੇਸ਼ ਕੀਤੇ ਫੰਡਾਂ ਦਾ ਭੁਗਤਾਨ ਕੀਤਾ ਜਾਂਦਾ ਹੈਵਿਆਜ.
ਇੱਕ ਜਨਤਕ ਖੇਤਰ ਦੇ ਬੈਂਕ ਵਿੱਚ, ਇੱਕ ਆਰਡੀ ਖਾਤਾ ਘੱਟੋ ਘੱਟ INR 100 ਤੋਂ ਘੱਟ ਦੀ ਰਕਮ ਨਾਲ ਖੋਲ੍ਹਿਆ ਜਾ ਸਕਦਾ ਹੈ। ਜਦੋਂ ਕਿ, ਨਿੱਜੀ ਖੇਤਰ ਦੇ ਬੈਂਕਾਂ ਵਿੱਚ ਜਮ੍ਹਾਂ ਕੀਤੀ ਜਾਣ ਵਾਲੀ ਘੱਟੋ ਘੱਟ ਰਕਮ INR 500 ਤੋਂ INR 1000 ਹੈ, ਜਦੋਂ ਕਿ ਇੱਕ ਵਿੱਚਡਾਕਖਾਨਾ ਕੋਈ ਵੀ ਸਿਰਫ਼ INR 10 ਵਿੱਚ ਖਾਤਾ ਖੋਲ੍ਹ ਸਕਦਾ ਹੈ। ਕੁਝ ਬੈਂਕਾਂ ਵਿੱਚ INR 15 ਲੱਖ ਦੀ ਉਪਰਲੀ ਸੀਮਾ ਹੁੰਦੀ ਹੈ, ਜਦੋਂ ਕਿ ਦੂਜਿਆਂ ਕੋਲ ਅਜਿਹੀ ਕੋਈ ਉਪਰਲੀ ਸੀਮਾ ਨਹੀਂ ਹੁੰਦੀ ਹੈ। ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਲਈ ਕਾਰਜਕਾਲ ਘੱਟੋ-ਘੱਟ ਤਿੰਨ ਮਹੀਨੇ ਅਤੇ ਵੱਧ ਤੋਂ ਵੱਧ 10 ਸਾਲ ਹੈ।
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ਭਾਰਤ ਵਿੱਚ ਲਗਭਗ ਸਾਰੇ ਪ੍ਰਮੁੱਖ ਬੈਂਕ ਇੱਕ ਆਵਰਤੀ ਜਮ੍ਹਾਂ ਖਾਤੇ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ। ਹਰ ਬੈਂਕ 'ਤੇ ਵਿਆਜ ਦਰ ਵੱਖ-ਵੱਖ ਹੋ ਸਕਦੀ ਹੈ, ਪਰ ਇਹ ਆਮ ਤੌਰ 'ਤੇ ਵਿਚਕਾਰ ਹੁੰਦੀ ਹੈ7% ਤੋਂ 9.25% p.a
, ਅਤੇ ਡਾਕਘਰ 'ਤੇ ਇਹ ਹੈ7.4%
(ਬਾਜ਼ਾਰ ਦੀ ਮੌਜੂਦਾ ਸਥਿਤੀ 'ਤੇ ਨਿਰਭਰ ਕਰਦਾ ਹੈ)। ਸੀਨੀਅਰ ਨਾਗਰਿਕਾਂ ਨੂੰ ਮਿਲਦਾ ਹੈ0.5%
ਵਾਧੂ। ਵਿਆਜ ਦਰ, ਇੱਕ ਵਾਰ ਨਿਰਧਾਰਿਤ ਹੋਣ ਤੋਂ ਬਾਅਦ ਕਾਰਜਕਾਲ ਦੌਰਾਨ ਨਹੀਂ ਬਦਲਦੀ ਹੈ। ਨਿਵੇਸ਼ਕ ਜੋ ਇੱਕ ਸਮੇਂ ਵਿੱਚ ਇੱਕ ਤੋਂ ਵੱਧ ਕਿਸ਼ਤਾਂ ਦਾ ਭੁਗਤਾਨ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ, ਅਜਿਹਾ ਕਰ ਸਕਦੇ ਹਨ।
ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਕੈਲਕੁਲੇਟਰ RD 'ਤੇ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਰਕਮ ਦੀ ਗਣਨਾ ਕਰਨ ਦਾ ਇੱਕ ਵਧੀਆ ਤਰੀਕਾ ਹੈ। ਪਰਿਪੱਕਤਾ 'ਤੇ ਆਪਣੀ RD ਰਕਮ ਦਾ ਅੰਦਾਜ਼ਾ ਲਗਾਉਣ ਲਈ ਤੁਸੀਂ ਇਸ ਵਿਧੀ ਦੀ ਪਾਲਣਾ ਕਰ ਸਕਦੇ ਹੋ।
RD ਕੈਲਕੁਲੇਟਰ | INR |
---|---|
ਮਹੀਨਾਵਾਰ ਜਮ੍ਹਾਂ ਰਕਮ | 200 |
ਮਹੀਨੇ ਵਿੱਚ ਆਰ.ਡੀ | 60 |
ਵਿਆਜ ਦੀ ਦਰ | 8% |
ਦਿਲਚਸਪੀਮਿਸ਼ਰਤ ਬਾਰੰਬਾਰਤਾ | ਮਹੀਨਾਵਾਰ |
RD ਪਰਿਪੱਕਤਾ ਦੀ ਰਕਮ | INR 1,47,933 |
RD ਵਿਆਜ ਕੈਲਕੁਲੇਟਰ ਦੀ ਮਦਦ ਨਾਲ, ਗਾਹਕ ਆਪਣੀ ਸਮਰੱਥਾ ਦਾ ਪਤਾ ਲਗਾ ਸਕਦੇ ਹਨਕਮਾਈਆਂ. ਤੁਹਾਨੂੰ ਇਹ ਫੈਸਲਾ ਕਰਨ ਦੀ ਲੋੜ ਹੈ ਕਿ ਤੁਸੀਂ ਮਹੀਨਾਵਾਰ ਕਿੰਨਾ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ ਅਤੇ ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ (ਹੇਠਾਂ ਦਿੱਤੀ ਗਈ ਉਦਾਹਰਣ)।
RD ਵਿਆਜ ਕੈਲਕੁਲੇਟਰ | |
---|---|
ਦੀ ਰਕਮ | INR 1000 |
ਵਿਆਜ ਦਰ | 8% ਪ੍ਰਤੀ ਸਾਲ |
ਮਿਆਦ | 12 ਮਹੀਨੇ |
ਸੰਖੇਪ- ਭੁਗਤਾਨ ਕੀਤੀ ਗਈ ਕੁੱਲ ਰਕਮ-INR 12,000
ਕੁੱਲ ਪਰਿਪੱਕਤਾ ਰਕਮ-INR 12,530
ਕੁੱਲ ਵਿਆਜ ਪ੍ਰਾਪਤ-INR 530
ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਵਿਅਕਤੀਆਂ ਨੂੰ ਨਿਯਮਤ ਰੂਪ ਵਿੱਚ ਬੱਚਤ ਕਰਨ ਦੀ ਆਦਤ ਪਾਉਣ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ। ਜੇਕਰ ਤੁਸੀਂ ਹੁਣ ਤੱਕ ਕੋਈ ਨਿਵੇਸ਼ ਨਹੀਂ ਕੀਤਾ ਹੈ, ਤਾਂ ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਨਾਲ ਸ਼ੁਰੂ ਕਰੋ। ਨਾਲ ਹੀ, ਇਹ ਇੱਕ ਐਮਰਜੈਂਸੀ ਫੰਡ ਜਾਂ ਸੰਕਟਕਾਲੀਨ ਫੰਡ ਬਣਾਉਣ ਲਈ ਇੱਕ ਵਧੀਆ ਤਰੀਕਾ ਹੈ। ਇਹ ਤੁਹਾਡੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਅਤੇ ਲੰਬੇ ਸਮੇਂ ਲਈ ਹਰ ਮਹੀਨੇ ਥੋੜ੍ਹੀ ਜਿਹੀ ਰਕਮ ਬਚਾਉਣ ਦਾ ਇੱਕ ਆਦਰਸ਼ ਤਰੀਕਾ ਹੈਵਿੱਤੀ ਟੀਚੇ.
ਅੱਜ ਇੱਕ ਆਵਰਤੀ ਜਮ੍ਹਾਂ ਖਾਤਾ ਖੋਲ੍ਹੋ ਅਤੇ ਕੱਲ੍ਹ ਲਈ ਬਚਾਓ!
ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਕੋਈ ਵੀ ਪ੍ਰਿੰਸੀਪਲ ਦੁਆਰਾ ਸਮਾਨ ਸੁਰੱਖਿਆ ਦੇ ਨਾਲ RD ਤੋਂ ਵੱਧ ਕਮਾਈ ਕਰ ਸਕਦਾ ਹੈਨਿਵੇਸ਼ ਤਰਲ ਜਾਂ ਅਲਟਰਾ ਸ਼ਾਰਟ ਵਿੱਚਬਾਂਡ ਫੰਡ ਜਿਵੇਂ ਕਿ ਉਹ 30 ਦਿਨਾਂ ਤੋਂ ਸਾਲ ਜਾਂ ਇਸ ਤੋਂ ਵੱਧ ਸਮੇਂ ਤੱਕ ਪਰਿਪੱਕ ਹੋਣ ਵਾਲੀਆਂ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ।
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. IDBI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 Sep 10. It is a fund with Moderately Low risk and has given a Below is the key information for IDBI Ultra Short Term 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. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a 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. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings 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. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a 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. IDBI Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Jul 10. It is a fund with Low risk and has given a Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (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. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on 1. IDBI Ultra Short Term Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 78 in Ultrashort Bond
category. . 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 30 Jun 20 ₹10,000 30 Jun 21 ₹10,430 30 Jun 22 ₹10,841 30 Jun 23 ₹11,520 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. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized
return of 7.5% since its launch. Ranked 27 in Ultrashort Bond
category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (24 Jul 25) ₹27.8552 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹16,051 on 30 Jun 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 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 6.79% Effective Maturity 7 Months 24 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,502 30 Jun 22 ₹10,888 30 Jun 23 ₹11,583 30 Jun 24 ₹12,411 30 Jun 25 ₹13,362 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 0.6% 3 Month 1.8% 6 Month 4% 1 Year 7.6% 3 Year 7.1% 5 Year 6% 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 8.55 Yr. Ritesh Lunawat 15 Jun 17 7.97 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 44.32% Debt 55.45% Other 0.23% Debt Sector Allocation
Sector Value Corporate 58.66% Government 22.39% Cash Equivalent 18.73% Credit Quality
Rating Value AA 17.33% AAA 82.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -6% ₹1,047 Cr 103,500,000
↓ -5,500,000 LIC Housing Finance Ltd
Debentures | -4% ₹602 Cr 6,000 182 Days Tbill
Sovereign Bonds | -3% ₹492 Cr 50,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹384 Cr 38,000
↑ 7,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹377 Cr 3,750
↑ 1,000 Bharti Telecom Limited
Debentures | -2% ₹347 Cr 34,500 Larsen And Toubro Limited
Debentures | -2% ₹251 Cr 25,000 LIC Housing Finance Ltd
Debentures | -1% ₹226 Cr 2,250 HDFC Bank Ltd.
Debentures | -1% ₹214 Cr 4,500 Oberoi Realty Limited
Debentures | -1% ₹202 Cr 20,000 3. Aditya Birla Sun Life Savings Fund
CAGR/Annualized
return of 7.4% since its launch. Ranked 6 in Ultrashort Bond
category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (24 Jul 25) ₹551.747 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹20,228 on 15 Jul 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.55 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.72% Effective Maturity 6 Months 29 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,484 30 Jun 22 ₹10,887 30 Jun 23 ₹11,600 30 Jun 24 ₹12,464 30 Jun 25 ₹13,474 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 0.6% 3 Month 1.9% 6 Month 4.2% 1 Year 8.1% 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 10.96 Yr. Kaustubh Gupta 15 Jul 11 13.89 Yr. Monika Gandhi 22 Mar 21 4.2 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 15 Jul 25
Asset Allocation
Asset Class Value Cash 41.07% Debt 58.69% Other 0.24% Debt Sector Allocation
Sector Value Corporate 64.99% Cash Equivalent 18.97% Government 15.8% Credit Quality
Rating Value AA 35.5% AAA 64.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹613 Cr 60,000 Nirma Limited
Debentures | -3% ₹489 Cr 48,500 Small Industries Development Bank of India
Debentures | -2% ₹430 Cr 9,000 Gujarat (Government of)
- | -2% ₹379 Cr 37,500,000 Bharti Telecom Limited
Debentures | -2% ₹362 Cr 3,600 182 DTB 29082025
Sovereign Bonds | -2% ₹356 Cr 36,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹317 Cr 3,150 Mankind Pharma Limited
Debentures | -2% ₹309 Cr 30,500 Avanse Financial Services Limited
Debentures | -2% ₹301 Cr 30,000 Bharti Telecom Limited
Debentures | -1% ₹271 Cr 2,700 4. Nippon India Ultra Short Duration Fund
CAGR/Annualized
return of 6.1% since its launch. Ranked 62 in Ultrashort Bond
category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (24 Jul 25) ₹4,049.29 ↑ 0.64 (0.02 %) Net Assets (Cr) ₹9,543 on 30 Jun 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 2.26 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.71% Effective Maturity 7 Months 29 Days Modified Duration 5 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,563 30 Jun 22 ₹11,228 30 Jun 23 ₹11,923 30 Jun 24 ₹12,747 30 Jun 25 ₹13,692 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 0.5% 3 Month 1.7% 6 Month 3.8% 1 Year 7.3% 3 Year 6.9% 5 Year 6.8% 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 11.67 Yr. Kinjal Desai 25 May 18 7.02 Yr. Akshay Sharma 1 Dec 22 2.5 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 52.98% Debt 46.77% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.37% Cash Equivalent 30.8% Government 12.58% Credit Quality
Rating Value AA 15.05% AAA 84.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹327 Cr 32,500 182 Days Tbill
Sovereign Bonds | -3% ₹247 Cr 25,000,000 Vedanta Limited
Debentures | -3% ₹241 Cr 24,000 LIQUID GOLD SERIES 10
Unlisted bonds | -3% ₹217 Cr 82 Small Industries Development Bank Of India
Debentures | -2% ₹201 Cr 2,000 182 Days Tbill
Sovereign Bonds | -2% ₹197 Cr 20,000,000 Interise TRust
Debentures | -2% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹184 Cr 1,850 Power Finance Corporation Limited
Debentures | -2% ₹177 Cr 17,500
↑ 7,500 Credila Financial Services Limited
Debentures | -2% ₹157 Cr 15,500 5. IDBI Liquid Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 37 in Liquid Fund
category. . 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 30 Jun 20 ₹10,000 30 Jun 21 ₹10,343 30 Jun 22 ₹10,718 30 Jun 23 ₹11,404 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 6. Invesco India Ultra Short Term Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 40 in Ultrashort Bond
category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (24 Jul 25) ₹2,711.44 ↑ 0.40 (0.01 %) Net Assets (Cr) ₹1,006 on 30 Jun 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 2.72 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.59% Effective Maturity 5 Months 24 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,324 30 Jun 22 ₹10,639 30 Jun 23 ₹11,277 30 Jun 24 ₹12,079 30 Jun 25 ₹12,988 Returns for Invesco India 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 1.7% 6 Month 3.9% 1 Year 7.5% 3 Year 6.9% 5 Year 5.4% 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 5.41 Yr. Vikas Garg 27 Jul 21 3.85 Yr. Data below for Invesco India Ultra Short Term Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 57.99% Debt 41.67% Other 0.33% Debt Sector Allocation
Sector Value Corporate 55.65% Cash Equivalent 33.36% Government 10.65% Credit Quality
Rating Value AA 24.4% AAA 75.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity 08.24 Tn SDL 2025sep
Sovereign Bonds | -4% ₹50 Cr 5,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹50 Cr 5,000,000 India (Republic of)
- | -4% ₹49 Cr 5,000,000 Export Import Bank Of India
Debentures | -3% ₹40 Cr 4,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹30 Cr 3,000,000 TATA Projects Limited
Debentures | -2% ₹25 Cr 2,500,000 Torrent Power Limited
Debentures | -2% ₹25 Cr 2,500,000 Godrej Industries Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹25 Cr 2,500,000