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கால அடிப்படையிலான உத்தி என்றால் என்ன?
9 சிறந்த குறைந்த கால நிதிகள் FY 22 - 23
ஆன்லைனில் குறைந்த கால நிதிகளில் முதலீடு செய்வது எப்படி?
Top 9 Debt - Low Duration Funds

9 சிறந்த செயல்திறன் குறைந்த கால நிதிகள் 2022

Updated on July 26, 2025 , 14320 views

குறைந்த கால நிதிகள் 16 கடன் திட்டங்களில் ஒன்றாகும்பரஸ்பர நிதி வகை. இந்த நிதி கடனில் முதலீடு செய்கிறது மற்றும்பண சந்தை ஆறு முதல் 12 மாதங்கள் வரை முதிர்வு கால அளவு கொண்ட பத்திரங்கள்.

குறைந்த கால நிதிகள் குறுகிய கால முதலீடுகளாகக் கருதப்படுகின்றன, அவை முதலீட்டில் அதிக ஆபத்தை விரும்பாத முதலீட்டாளர்களுக்கு மிகவும் பொருத்தமானவை. குறைந்த கால நிதிகள் திரவ மற்றும் அல்ட்ராவை விட அதிக முதிர்வு காலத்தைக் கொண்டுள்ளனகுறுகிய கால நிதி.

ரிஸ்க் இல்லாத முதலீட்டாளர்கள் குறுகிய காலத்திற்கு இந்தத் திட்டத்தில் முதலீடு செய்து அதைவிட சிறந்த வருமானத்தைப் பெறலாம்வங்கி சேமிப்பு கணக்கு. இந்த நிதிகள் பொதுவாக நிலையான மற்றும் நிலையான வருமானத்தை வழங்குகின்றன. சராசரியாக, இந்த நிதிகள் 6.5-8.5% p.a வரையிலான வருமானத்தை வழங்குகின்றன. திட்டத்தின் வருவாய் மற்றும் செயல்திறன் நிதிக்கு நிதி மாறுபடும், எனவே ஒரு நல்ல ஃபண்டில் முதலீடு செய்ய, 2022 - 2023 இல் முதலீடு செய்ய சிறந்த செயல்திறன் கொண்ட குறைந்த கால நிதிகளில் சிலவற்றை நாங்கள் பட்டியலிட்டுள்ளோம்.

கால அடிப்படையிலான உத்தி என்றால் என்ன?

கால அளவு அடிப்படையிலான மூலோபாயத்தைப் பின்பற்றும் நிதிகள் நீண்ட காலத்திற்கு முதலீடு செய்கின்றனபத்திரங்கள் மற்றும் வட்டி விகிதங்கள் குறைவதால் நன்மை. இருந்து சம்பாதிக்கிறார்கள்மூலதனம் பத்திரத்தின் கூப்பனுடன் பாராட்டு. ஆனால், இந்த நிதிகள் வட்டி விகித அபாயத்திற்கு ஆளாகின்றன மற்றும் வட்டி விகிதங்கள் அதிகரித்தால், இந்த நிதிகள் மூலதன இழப்பைத் தாங்கும்.

இந்த உத்தியில், நிதி மேலாளர் வட்டி விகித இயக்கங்களை கணிக்கிறார். கால நிதி மேலாளர் தனது பார்வையின்படி நிதியின் கால அளவு மற்றும் சராசரி முதிர்ச்சியை அடிக்கடி கூட்டுகிறார் அல்லது குறைக்கிறார். நிதி மேலாளரின் தவறான கணிப்புகள் காலத்தை அடிப்படையாகக் கொண்டவைகடன் நிதி இழப்பை சந்திக்கின்றனர்.

ஒரு நிதி மேலாளர்கள் அதிக வருமானத்தை அதிகரிக்க காலத்தை நிர்வகிப்பதில் அதிக கவனம் செலுத்துகிறார்கள். பொதுவாக, வட்டி விகிதங்கள் குறையும் போது, கால அளவு நிதி மேலாளர் ஒப்பீட்டளவில் அதிக கால அளவைத் தேர்வு செய்கிறார்.முதலீட்டு வரவுகள் உயரும் பத்திர விலைகளில் இருந்து. மற்றும் நேர்மாறான சூழ்நிலையில், அதாவது, வட்டி விகிதங்கள் உயரும் போது, போர்ட்ஃபோலியோ மீதான மூலதன இழப்புகளிலிருந்து பாதுகாக்க, நிதியின் கால அளவு குறைக்கப்படும்.

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9 சிறந்த குறைந்த கால நிதிகள் FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
L&T Low Duration Fund Growth	₹28.8757 ↑ 0.01	₹580	1.8	5.5	9.2	7.6	7.5	6.68%	10M 18D	1Y 2M 13D
ICICI Prudential Savings Fund Growth	₹548.049 ↑ 0.28	₹25,547	2	4.5	8.3	8	8	6.87%	11M 16D	1Y 8M 8D
UTI Treasury Advantage Fund Growth	₹3,574.51 ↑ 1.37	₹3,002	1.9	4.4	8.3	7.4	7.7	6.59%	10M 28D	1Y 7D
Nippon India Low Duration Fund Growth	₹3,770.93 ↑ 1.66	₹7,994	1.9	4.2	8	7.1	7.4	6.84%	10M 20D	1Y 2M 13D
Invesco India Treasury Advantage Fund Growth	₹3,811.48 ↑ 1.39	₹1,621	1.9	4.2	7.9	7.2	7.6	6.55%	10M 23D	11M 25D
Tata Treasury Advantage Fund Growth	₹3,959.47 ↑ 1.46	₹3,164	1.9	4.2	7.9	7.1	7.4	6.4%	10M 19D	1Y 18D
Canara Robeco Savings Fund Growth	₹42.462 ↑ 0.01	₹1,342	1.9	4.3	7.9	7.2	7.4	6.33%	8M 27D	9M 28D
IDFC Low Duration Fund Growth	₹38.8583 ↑ 0.01	₹6,931	1.9	4.2	7.9	7.1	7.3	6.41%	11M 10D	1Y 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

*இந்தக் கட்டுரையில் குறிப்பிடப்பட்டுள்ள நிதிகள் AUM/Net Assets ஐ விட அதிகமாக உள்ளது100 கோடி மற்றும் கொண்டநிதி வயது >= 3 ஆண்டுகள். கடைசியாக வரிசைப்படுத்தப்பட்டது1 ஆண்டு வருமானம்.

1. Sundaram Low Duration Fund

(Erstwhile Sundaram Ultra Short Term Fund)

To provide a level of income consistent with liquidity through investments made primarily in money market and debt securities.

Sundaram Low Duration Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 59 in Low Duration category. .

Below is the key information for Sundaram Low Duration Fund

Sundaram Low Duration Fund Growth
Launch Date	23 Apr 07
NAV (31 Dec 21)	₹28.8391 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹550 on 30 Nov 21
Category	Debt - Low Duration
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.86
Sharpe Ratio	0.99
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	4.19%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,362

Sundaram Low 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 Sundaram Low 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 31 Dec 21

Duration	Returns
1 Month	0.3%
3 Month	1%
6 Month	10.2%
1 Year	11.8%
3 Year	5%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Sundaram Low Duration Fund

Name	Since	Tenure

Data below for Sundaram Low Duration Fund as on 30 Nov 21

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. L&T Low Duration Fund

(Erstwhile L&T Short Term Income Fund)

To generate reasonable returns primarily through investments in fixed income securities and money market instruments. There is no assurance that the objective of the Scheme will be realised and the Scheme does not assure or guarantee any returns.

L&T Low Duration Fund is a Debt - Low Duration fund was launched on 4 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 13 in Low Duration category. Return for 2024 was 7.5% , 2023 was 7.1% and 2022 was 3.9% .

Below is the key information for L&T Low Duration Fund

L&T Low Duration Fund Growth
Launch Date	4 Dec 10
NAV (28 Jul 25)	₹28.8757 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹580 on 31 May 25
Category	Debt - Low Duration
AMC	L&T Investment Management Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	1.48
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	1,000
Exit Load	0-9 Months (1%),9 Months and above(NIL)
Yield to Maturity	6.68%
Effective Maturity	1 Year 2 Months 13 Days
Modified Duration	10 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,661
30 Jun 22	₹10,989
30 Jun 23	₹11,672
30 Jun 24	₹12,527
30 Jun 25	₹13,687

L&T Low 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 L&T Low 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	5.5%
1 Year	9.2%
3 Year	7.6%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.1%
2022	3.9%
2021	3.4%
2020	6.9%
2019	5.1%
2018	6.6%
2017	8.3%
2016	9.8%
2015	8.8%

Fund Manager information for L&T Low Duration Fund

Name	Since	Tenure
Shriram Ramanathan	24 Nov 12	12.61 Yr.
Mohd Asif Rizwi	16 Jan 24	1.46 Yr.

Data below for L&T Low Duration Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	34.8%
Debt	64.95%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	57.87%
Government	31.9%
Cash Equivalent	9.98%

Credit Quality

Rating	Value
AA	12.48%
AAA	87.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹47 Cr	4,500
Rural Electrification Corporation Limited Debentures \| -	6%	₹32 Cr	3,000 ↑ 3,000
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹26 Cr	2,500
Bharti Telecom Limited Debentures \| -	5%	₹26 Cr	250 ↑ 250
Bajaj Housing Finance Limited Debentures \| -	4%	₹26 Cr	250
National Housing Bank Debentures \| -	4%	₹26 Cr	2,500
HDFC Bank Ltd. Debentures \| -	4%	₹24 Cr	500 ↑ 500
Power Finance Corporation Ltd. Debentures \| -	4%	₹21 Cr	200 ↑ 50
7.06% Govt Stock 2028 Sovereign Bonds \| -	4%	₹21 Cr	2,000,000 ↑ 500,000
Embassy Office Parks Reit Debentures \| -	3%	₹20 Cr	2,000

3. ICICI Prudential Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Savings Fund is a Debt - Low Duration fund was launched on 27 Sep 02. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 11 in Low Duration category. Return for 2024 was 8% , 2023 was 7.6% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (28 Jul 25)	₹548.049 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹25,547 on 30 Jun 25
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	3.25
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	1 Year 8 Months 8 Days
Modified Duration	11 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,569
30 Jun 22	₹10,854
30 Jun 23	₹11,696
30 Jun 24	₹12,598
30 Jun 25	₹13,657

ICICI Prudential 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 ICICI Prudential 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	4.5%
1 Year	8.3%
3 Year	8%
5 Year	6.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7.6%
2022	4.5%
2021	3.8%
2020	8.6%
2019	8.8%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.8%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	0.8 Yr.
Darshil Dedhia	12 Jun 23	2.05 Yr.

Data below for ICICI Prudential Savings Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	23.77%
Debt	75.96%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	69.6%
Government	21.97%
Cash Equivalent	8.16%

Credit Quality

Rating	Value
AA	14.72%
AAA	85.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	5%	₹1,284 Cr	123,435,980
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,028 Cr	101,750 ↑ 15,000
7.11% Govt Stock 2028 Sovereign Bonds \| -	4%	₹924 Cr	91,273,600
6.99% Govt Stock 2034 Sovereign Bonds \| -	2%	₹477 Cr	46,625,930
Small Industries Development Bank Of India Debentures \| -	2%	₹449 Cr	44,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹404 Cr	40,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹387 Cr	38,000
Small Industries Development Bank Of India Debentures \| -	1%	₹354 Cr	35,000
Bharti Telecom Limited Debentures \| -	1%	₹352 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	1%	₹344 Cr	34,000

4. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2024 was 7.7% , 2023 was 7.1% and 2022 was 4.5% .

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (28 Jul 25)	₹3,574.51 ↑ 1.37 (0.04 %)
Net Assets (Cr)	₹3,002 on 30 Jun 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	3.03
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.59%
Effective Maturity	1 Year 7 Days
Modified Duration	10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,458
30 Jun 22	₹11,370
30 Jun 23	₹12,115
30 Jun 24	₹12,980
30 Jun 25	₹14,066

UTI Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.4%
1 Year	8.3%
3 Year	7.4%
5 Year	7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.1%
2022	4.5%
2021	9%
2020	7.3%
2019	-4.2%
2018	7.3%
2017	7%
2016	8.9%
2015	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.58 Yr.

Data below for UTI Treasury Advantage Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	33.9%
Debt	65.81%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	64.58%
Cash Equivalent	24.66%
Government	10.47%

Credit Quality

Rating	Value
AA	17.82%
AAA	82.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	5%	₹149 Cr	1,500
182 Days Tbill Sovereign Bonds \| -	5%	₹149 Cr	1,500,000,000 ↓ -1,500,000,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
Rec Limited Debentures \| -	3%	₹102 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹100 Cr	1,000 ↑ 500
Shriram Finance Limited Debentures \| -	3%	₹91 Cr	9,000
Nirma Limited Debentures \| -	2%	₹76 Cr	7,500
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹73 Cr	750,000,000 ↑ 750,000,000

5. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager 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.

Nippon India Low Duration Fund is a Debt - Low Duration fund was launched on 20 Mar 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 31 in Low Duration category. Return for 2024 was 7.4% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund Growth
Launch Date	20 Mar 07
NAV (28 Jul 25)	₹3,770.93 ↑ 1.66 (0.04 %)
Net Assets (Cr)	₹7,994 on 30 Jun 25
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	2.7
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.84%
Effective Maturity	1 Year 2 Months 13 Days
Modified Duration	10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,530
30 Jun 22	₹10,887
30 Jun 23	₹11,566
30 Jun 24	₹12,359
30 Jun 25	₹13,351

Nippon India Low 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 Nippon India Low 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.2%
1 Year	8%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.7%
2022	4.2%
2021	4.1%
2020	7.3%
2019	7%
2018	7.4%
2017	6.6%
2016	8.5%
2015	8.4%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.41 Yr.
Kinjal Desai	25 May 18	7.1 Yr.

Data below for Nippon India Low Duration Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	31.27%
Debt	68.44%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	67.67%
Government	21.41%
Cash Equivalent	10.63%

Credit Quality

Rating	Value
AA	14.32%
AAA	85.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹387 Cr	39,000,000 ↓ -1,000,000
Telangana State Industrial Infrastructure Corporation Limited Debentures \| -	2%	₹202 Cr	20,000
Highways Infrastructure Trust Debentures \| -	2%	₹171 Cr	1,750
Interise TRust Debentures \| -	2%	₹171 Cr	18,000
Aditya Birla Housing Finance Ltd. 7.11% Debentures \| -	2%	₹170 Cr	17,000 ↑ 17,000
Small Industries Development Bank Of India Debentures \| -	2%	₹153 Cr	15,000
Rec Limited Debentures \| -	2%	₹152 Cr	15,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹147 Cr	14,500
NAOMI 05 2024 Unlisted bonds \| -	2%	₹145 Cr	10,000
VAJRA 016 TRUST Unlisted bonds \| -	2%	₹144 Cr	100

6. Invesco India Treasury Advantage Fund

(Erstwhile Invesco India Ultra Short Term Fund)

The investment objective is to provide liquidity and optimal returns to the investor by investing primarily in a mix of short term debt and money market instruments which results in a portfolio having marginally higher maturity and moderately higher credit risk as compared to a liquid fund at the same time maintaining a balance between safety and liquidity.

Invesco India Treasury Advantage Fund is a Debt - Low Duration fund was launched on 18 Jan 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 49 in Low Duration category. Return for 2024 was 7.6% , 2023 was 6.8% and 2022 was 4% .

Below is the key information for Invesco India Treasury Advantage Fund

Invesco India Treasury Advantage Fund Growth
Launch Date	18 Jan 07
NAV (28 Jul 25)	₹3,811.48 ↑ 1.39 (0.04 %)
Net Assets (Cr)	₹1,621 on 30 Jun 25
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	2.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.55%
Effective Maturity	11 Months 25 Days
Modified Duration	10 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,439
30 Jun 22	₹10,758
30 Jun 23	₹11,425
30 Jun 24	₹12,236
30 Jun 25	₹13,218

Invesco India Treasury Advantage 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 Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.2%
1 Year	7.9%
3 Year	7.2%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
2023	6.8%
2022	4%
2021	3.5%
2020	7.1%
2019	8.9%
2018	7.1%
2017	6.3%
2016	8.5%
2015	8.4%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	12.5 Yr.
Vikas Garg	16 Dec 20	4.54 Yr.

Data below for Invesco India Treasury Advantage Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	34.37%
Debt	65.39%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	64.41%
Government	20.09%
Cash Equivalent	15.25%

Credit Quality

Rating	Value
AA	14.68%
AAA	85.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹74 Cr	7,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹71 Cr	7,000,000 ↑ 5,000,000
Tata Capital Limited Debentures \| -	3%	₹51 Cr	5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 2,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
182 DTB 29082025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
182 Days Tbill Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
India (Republic of) - \| -	3%	₹49 Cr	5,000,000
Axis Bank Ltd. Debentures \| -	2%	₹47 Cr	5,000,000
Godrej Properties Limited Debentures \| -	2%	₹42 Cr	4,100,000

7. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Tata Treasury Advantage Fund is a Debt - Low Duration fund was launched on 6 Sep 05. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 26 in Low Duration category. Return for 2024 was 7.4% , 2023 was 6.9% and 2022 was 4.1% .

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (28 Jul 25)	₹3,959.47 ↑ 1.46 (0.04 %)
Net Assets (Cr)	₹3,164 on 30 Jun 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0
Sharpe Ratio	2.59
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.4%
Effective Maturity	1 Year 18 Days
Modified Duration	10 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,471
30 Jun 22	₹10,812
30 Jun 23	₹11,492
30 Jun 24	₹12,298
30 Jun 25	₹13,279

Tata Treasury Advantage 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 Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.2%
1 Year	7.9%
3 Year	7.1%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.9%
2022	4.1%
2021	3.6%
2020	7.5%
2019	2.2%
2018	7.5%
2017	6.9%
2016	8.5%
2015	8.6%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	11.09 Yr.
Abhishek Sonthalia	6 Feb 20	5.4 Yr.

Data below for Tata Treasury Advantage Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	40.26%
Debt	59.47%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	60.63%
Government	23.17%
Cash Equivalent	15.93%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Hdb Financial Services Limited Debentures \| -	6%	₹201 Cr	20,000 ↑ 7,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
Bajaj Finance Limited Debentures \| -	3%	₹101 Cr	1,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	3%	₹98 Cr	9,500,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹76 Cr	7,500 ↑ 5,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹76 Cr	7,500 ↑ 2,500
National Housing Bank Debentures \| -	2%	₹76 Cr	7,500
364 DTB 29012026 Sovereign Bonds \| -	2%	₹73 Cr	7,500,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹71 Cr	7,000
Axis Bank Ltd. Debentures \| -	2%	₹71 Cr	1,500 ↑ 1,500

8. Canara Robeco Savings Fund

(Erstwhile Canara Robeco Savings Plus Fund)

To generate income/ Capital appreciation by investing in a portfolio comprising of short term debt instruments and money market instruments with weighted average portfolio duration between 3 months to less than 1 year. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Savings Fund is a Debt - Low Duration fund was launched on 4 Mar 05. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 38 in Low Duration category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.1% .

Below is the key information for Canara Robeco Savings Fund

Canara Robeco Savings Fund Growth
Launch Date	4 Mar 05
NAV (28 Jul 25)	₹42.462 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹1,342 on 30 Jun 25
Category	Debt - Low Duration
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
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	6.33%
Effective Maturity	9 Months 28 Days
Modified Duration	8 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,371
30 Jun 22	₹10,686
30 Jun 23	₹11,359
30 Jun 24	₹12,159
30 Jun 25	₹13,130

Canara Robeco 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 Canara Robeco 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.3%
1 Year	7.9%
3 Year	7.2%
5 Year	5.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.1%
2021	3.1%
2020	6.4%
2019	8.1%
2018	6.9%
2017	6.8%
2016	8.4%
2015	8.3%

Fund Manager information for Canara Robeco Savings Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.25 Yr.
Kunal Jain	18 Jul 22	2.95 Yr.

Data below for Canara Robeco Savings Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	44%
Debt	55.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	66.49%
Cash Equivalent	22.81%
Government	10.46%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 18072025 Sovereign Bonds \| -	7%	₹100 Cr	10,000,000 ↑ 10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹76 Cr	7,500
HDFC Bank Ltd. Debentures \| -	5%	₹72 Cr	1,500 ↑ 1,000
Hdb Financial Services Limited Debentures \| -	4%	₹61 Cr	600
Rec Limited Debentures \| -	3%	₹50 Cr	5,000 ↑ 5,000
Power Finance Corporation Limited Debentures \| -	3%	₹50 Cr	500
Bajaj Finance Limited Debentures \| -	3%	₹50 Cr	5,000 ↑ 5,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹50 Cr	500
LIC Housing Finance Ltd Debentures \| -	3%	₹50 Cr	5,000 ↑ 5,000
Rec Limited Debentures \| -	2%	₹35 Cr	3,500

9. IDFC Low Duration Fund

(Erstwhile IDFC Ultra Short Term Fund)

To offer an investment avenue for short term savings by looking to generate stable returns with a low risk strategy. The scheme will have a portfolio that is invested in good quality debt and money market instruments such that the fund will offer a blend of liquidity with stability of returns. There can be no assurance that the investment objective of the scheme will be realized

IDFC Low Duration Fund is a Debt - Low Duration fund was launched on 17 Jan 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 18 in Low Duration category. Return for 2024 was 7.3% , 2023 was 6.9% and 2022 was 4% .

Below is the key information for IDFC Low Duration Fund

IDFC Low Duration Fund Growth
Launch Date	17 Jan 06
NAV (28 Jul 25)	₹38.8583 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹6,931 on 30 Jun 25
Category	Debt - Low Duration
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	2.44
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.41%
Effective Maturity	1 Year 18 Days
Modified Duration	11 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,413
30 Jun 22	₹10,727
30 Jun 23	₹11,417
30 Jun 24	₹12,217
30 Jun 25	₹13,186

IDFC Low 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 IDFC Low 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	4.2%
1 Year	7.9%
3 Year	7.1%
5 Year	5.7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	6.9%
2022	4%
2021	3.5%
2020	6.9%
2019	8.3%
2018	7.2%
2017	7%
2016	8.8%
2015	8.7%

Fund Manager information for IDFC Low Duration Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	3.93 Yr.
Brijesh Shah	10 Jun 24	1.05 Yr.

Data below for IDFC Low Duration Fund as on 30 Jun 25

Asset Allocation

Asset Class	Value
Cash	25.24%
Debt	74.45%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	55.92%
Government	26.2%
Cash Equivalent	17.58%

Credit Quality

Rating	Value
AA	3.64%
AAA	96.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹437 Cr	43,500,000 ↓ -2,500,000
Small Industries Development Bank Of India Debentures \| -	5%	₹327 Cr	32,500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹301 Cr	30,000,000 ↑ 2,500,000
Small Industries Development Bank Of India Debentures \| -	4%	₹267 Cr	26,500,000 ↑ 19,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹203 Cr	20,000,000 ↑ 20,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹182 Cr	18,000,000 ↓ -2,500,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹172 Cr	17,000,000 ↓ -1,900,000
HDFC Bank Limited Debentures \| -	2%	₹159 Cr	15,900,000 ↑ 15,900,000
LIC Housing Finance Ltd Debentures \| -	2%	₹153 Cr	15,000,000
HDFC Bank Limited Debentures \| -	2%	₹151 Cr	15,000,000

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