9 2022 இல் முதலீடு செய்ய சிறந்த செயல்திறன் கொண்ட குறைந்த கால கடன் நிதிகள்

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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 May 17, 2025 , 14244 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	₹28.5176 ↑ 0.01	₹510	3.8	5.4	9.3	7.5	7.5	6.9%	10M 16D	1Y 1M 10D
ICICI Prudential Savings Fund Growth	₹540.646 ↑ 0.21	₹22,638	2.5	4.2	8.5	7.6	8	7.14%	10M 13D	1Y 9M 22D
UTI Treasury Advantage Fund Growth	₹3,527.42 ↑ 1.44	₹3,271	2.5	4.3	8.3	7.3	7.7	6.93%	10M 13D	11M 16D
HDFC Low Duration Fund Growth	₹57.431 ↑ 0.02	₹20,033	2.5	4.1	8	7.1	7.4	7.21%	10M 23D	1Y 10M 24D
Invesco India Treasury Advantage Fund Growth	₹3,762.03 ↑ 1.37	₹1,599	2.4	4.1	8	7	7.6	6.79%	10M 24D	11M 27D
Nippon India Low Duration Fund Growth	₹3,721.56 ↑ 0.82	₹7,513	2.4	4.1	8	6.9	7.4	7.17%	11M 6D	1Y 2M 20D
DSP BlackRock Low Duration Fund Growth	₹19.7207 ↑ 0.01	₹4,827	2.4	4.1	8	7	7.4	6.83%	10M 20D	1Y 3M
Tata Treasury Advantage Fund Growth	₹3,907.82 ↑ 1.14	₹2,921	2.4	4.1	8	7	7.4	6.81%	10M 5D	1Y 10D
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 Apr 20	₹10,000
30 Apr 21	₹10,524

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 (20 May 25)	₹28.5176 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹510 on 30 Apr 25
Category	Debt - Low Duration
AMC	L&T Investment Management Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	1.33
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	6.9%
Effective Maturity	1 Year 1 Month 10 Days
Modified Duration	10 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,878
30 Apr 22	₹11,245
30 Apr 23	₹11,827
30 Apr 24	₹12,693
30 Apr 25	₹13,860

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	2%
3 Month	3.8%
6 Month	5.4%
1 Year	9.3%
3 Year	7.5%
5 Year	6.6%
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	12.44 Yr.
Mohd Asif Rizwi	16 Jan 24	1.29 Yr.

Data below for L&T Low Duration Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	43.43%
Debt	56.31%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	53.49%
Government	29.19%
Cash Equivalent	17.06%

Credit Quality

Rating	Value
AA	10.86%
AAA	89.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹46 Cr	4,500 ↑ 500
Rec Limited Debentures \| -	5%	₹27 Cr	2,500
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹26 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	5%	₹25 Cr	250
National Housing Bank Debentures \| -	5%	₹25 Cr	2,500
Embassy Office Parks Reit Debentures \| -	4%	₹20 Cr	2,000 ↑ 1,000
LIC Housing Finance Limited Debentures \| -	3%	₹16 Cr	1,500 ↑ 1,500
7.06% Govt Stock 2028 Sovereign Bonds \| -	3%	₹16 Cr	1,500,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	3%	₹16 Cr	1,500,000
Shriram Finance Limited Debentures \| -	3%	₹15 Cr	1,500

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 (20 May 25)	₹540.646 ↑ 0.21 (0.04 %)
Net Assets (Cr)	₹22,638 on 30 Apr 25
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	2.47
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.14%
Effective Maturity	1 Year 9 Months 22 Days
Modified Duration	10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,773
30 Apr 22	₹11,200
30 Apr 23	₹11,876
30 Apr 24	₹12,812
30 Apr 25	₹13,860

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	0.8%
3 Month	2.5%
6 Month	4.2%
1 Year	8.5%
3 Year	7.6%
5 Year	6.6%
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	0.63 Yr.
Darshil Dedhia	12 Jun 23	1.89 Yr.

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

Asset Allocation

Asset Class	Value
Cash	25.78%
Debt	73.92%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	70.74%
Government	24.24%
Cash Equivalent	4.72%

Credit Quality

Rating	Value
AA	13.72%
AAA	86.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	6%	₹1,334 Cr	128,719,310
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹885 Cr	87,773,600
LIC Housing Finance Limited Debentures \| -	3%	₹653 Cr	6,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹609 Cr	60,500
7.53% Govt Stock 2034 Sovereign Bonds \| -	2%	₹474 Cr	46,625,930
Bharti Telecom Limited Debentures \| -	2%	₹352 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	2%	₹352 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	2%	₹342 Cr	34,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹327 Cr	333
Small Industries Development Bank Of India Debentures \| -	1%	₹317 Cr	31,500

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 (20 May 25)	₹3,527.42 ↑ 1.44 (0.04 %)
Net Assets (Cr)	₹3,271 on 30 Apr 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2.3
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	11 Months 16 Days
Modified Duration	10 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,626
30 Apr 22	₹11,580
30 Apr 23	₹12,239
30 Apr 24	₹13,120
30 Apr 25	₹14,193

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	0.8%
3 Month	2.5%
6 Month	4.3%
1 Year	8.3%
3 Year	7.3%
5 Year	7.2%
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	3.41 Yr.

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

Asset Allocation

Asset Class	Value
Cash	34.95%
Debt	64.77%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	56.43%
Government	22.97%
Cash Equivalent	20.33%

Credit Quality

Rating	Value
AA	13.95%
AAA	86.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	9%	₹295 Cr	3,000,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹149 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹101 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000 ↑ 5,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹55 Cr	550,000
Rec Limited Debentures \| -	2%	₹51 Cr	5,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹51 Cr	5,000

5. HDFC Low Duration Fund

(Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)

To generate regular income through investment in debt securities and money market instruments.

HDFC Low Duration Fund is a Debt - Low Duration fund was launched on 18 Nov 99. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.1% .

Below is the key information for HDFC Low Duration Fund

HDFC Low Duration Fund Growth
Launch Date	18 Nov 99
NAV (20 May 25)	₹57.431 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹20,033 on 30 Apr 25
Category	Debt - Low Duration
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.03
Sharpe Ratio	1.53
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	1 Year 10 Months 24 Days
Modified Duration	10 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,759
30 Apr 22	₹11,164
30 Apr 23	₹11,770
30 Apr 24	₹12,619
30 Apr 25	₹13,598

HDFC 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 HDFC 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	0.8%
3 Month	2.5%
6 Month	4.1%
1 Year	8%
3 Year	7.1%
5 Year	6.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.1%
2021	3.7%
2020	8.1%
2019	8%
2018	6.5%
2017	6.4%
2016	8.6%
2015	7.7%

Fund Manager information for HDFC Low Duration Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.52 Yr.
Praveen Jain	6 Oct 22	2.57 Yr.
Dhruv Muchhal	22 Jun 23	1.86 Yr.

Data below for HDFC Low Duration Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	54.97%
Debt	44.76%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	44.29%
Corporate	34.74%
Government	20.7%

Credit Quality

Rating	Value
AA	9.33%
AAA	90.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,275 Cr	125,000,000 ↑ 5,000,000
Power Finance Corporation Limited Debentures \| -	4%	₹574 Cr	5,700 ↑ 5,700
Bharti Telecom Limited Debentures \| -	4%	₹550 Cr	5,500 ↑ 5,500
Titan Company Limited Debentures \| -	3%	₹525 Cr	52,500 ↑ 52,500
7.3% Govt Stock 2028 Sovereign Bonds \| -	3%	₹450 Cr	45,000,000 ↑ 30,000,000
SANSAR TRUST JULY 2023 II Unlisted bonds \| -	2%	₹369 Cr	4,500
364 DTB 11072024 Sovereign Bonds \| -	2%	₹295 Cr	30,000,000 ↑ 30,000,000
Power Finance Corporation Limited Debentures \| -	2%	₹274 Cr	2,750 ↑ 2,750
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹251 Cr	25,000
Indus Tower Ltd Debentures \| -	2%	₹250 Cr	2,500 ↑ 2,500

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 (20 May 25)	₹3,762.03 ↑ 1.37 (0.04 %)
Net Assets (Cr)	₹1,599 on 15 Apr 25
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	2.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.79%
Effective Maturity	11 Months 27 Days
Modified Duration	10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,636
30 Apr 22	₹10,996
30 Apr 23	₹11,570
30 Apr 24	₹12,386
30 Apr 25	₹13,362

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	0.8%
3 Month	2.4%
6 Month	4.1%
1 Year	8%
3 Year	7%
5 Year	5.9%
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	12.34 Yr.
Vikas Garg	16 Dec 20	4.37 Yr.

Data below for Invesco India Treasury Advantage Fund as on 15 Apr 25

Asset Allocation

Asset Class	Value
Cash	42.93%
Debt	56.79%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	59.77%
Cash Equivalent	20.41%
Government	19.53%

Credit Quality

Rating	Value
AA	18.09%
AAA	81.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Red 23-05-2025 Sovereign Bonds \| -	6%	₹89 Cr	9,000,000
REC Ltd. 7.71% Debentures \| -	4%	₹71 Cr	7,000,000 ↑ 4,500,000
182 DTB 29082025 Sovereign Bonds \| -	3%	₹49 Cr	5,000,000
182 Days Tbill Sovereign Bonds \| -	3%	₹49 Cr	5,000,000
Godrej Properties Limited Debentures \| -	3%	₹41 Cr	4,100,000
Cholamandalam Investment And Fin. Co. Ltd Debentures \| -	2%	₹35 Cr	3,500,000
Nexus Select Trust Debentures \| -	2%	₹35 Cr	3,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000

7. 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 (20 May 25)	₹3,721.56 ↑ 0.82 (0.02 %)
Net Assets (Cr)	₹7,513 on 30 Apr 25
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.87
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.17%
Effective Maturity	1 Year 2 Months 20 Days
Modified Duration	11 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,710
30 Apr 22	₹11,127
30 Apr 23	₹11,711
30 Apr 24	₹12,519
30 Apr 25	₹13,498

Nippon India 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 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	0.8%
3 Month	2.4%
6 Month	4.1%
1 Year	8%
3 Year	6.9%
5 Year	6.1%
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	5.25 Yr.
Kinjal Desai	25 May 18	6.94 Yr.

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

Asset Allocation

Asset Class	Value
Cash	33.35%
Debt	66.33%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	69.82%
Government	19.62%
Cash Equivalent	10.24%

Credit Quality

Rating	Value
AA	13.97%
AAA	86.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
9.35% Telangana State Industrial Infrastructure Corporation Limited Debentures \| -	3%	₹202 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹196 Cr	19,500
Indinfravit Trust Debentures \| -	2%	₹173 Cr	18,000
Highways Infrastructure Trust Debentures \| -	2%	₹171 Cr	1,750
182 DTB 12062025 Sovereign Bonds \| -	2%	₹169 Cr	17,000,000
Rec Limited Debentures \| -	2%	₹156 Cr	15,500
Ncd Small Industries Development Bank Of India Debentures \| -	2%	₹152 Cr	15,000
NAOMI 05 2024 Unlisted bonds \| -	2%	₹150 Cr	10,000
Hinduja Leyland Finance Limited Debentures \| -	2%	₹143 Cr	14,000
Shriram Finance Limited Debentures \| -	2%	₹136 Cr	13,500

8. DSP BlackRock Low Duration Fund

(Erstwhile DSP BlackRock Ultra Short Term Fund)

The investment objective of the Scheme is to seek to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities. There is no assurance that the investment objective of the Scheme will be realized.

DSP BlackRock Low Duration Fund is a Debt - Low Duration fund was launched on 10 Mar 15. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.9% since its launch. Return for 2024 was 7.4% , 2023 was 6.9% and 2022 was 4.2% .

Below is the key information for DSP BlackRock Low Duration Fund

DSP BlackRock Low Duration Fund Growth
Launch Date	10 Mar 15
NAV (20 May 25)	₹19.7207 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹4,827 on 30 Apr 25
Category	Debt - Low Duration
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	2.02
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	1 Year 3 Months
Modified Duration	10 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,586
30 Apr 22	₹10,955
30 Apr 23	₹11,547
30 Apr 24	₹12,351
30 Apr 25	₹13,320

DSP BlackRock 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 DSP BlackRock 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	0.7%
3 Month	2.4%
6 Month	4.1%
1 Year	8%
3 Year	7%
5 Year	5.8%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.9%
2022	4.2%
2021	3.5%
2020	6.7%
2019	8.7%
2018	7.3%
2017	6.5%
2016	8.5%
2015

Fund Manager information for DSP BlackRock Low Duration Fund

Name	Since	Tenure
Karan Mundra	1 Mar 22	3.17 Yr.
Shalini Vasanta	1 Jun 23	1.92 Yr.

Data below for DSP BlackRock Low Duration Fund as on 30 Apr 25

Asset Allocation

Asset Class	Value
Cash	25.13%
Debt	74.54%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	66.21%
Government	24%
Cash Equivalent	9.46%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Limited Debentures \| -	5%	₹207 Cr	2,000
Small Industries Development Bank Of India Debentures \| -	3%	₹153 Cr	1,450 ↑ 200
Sikka Ports & Terminals Limited Debentures \| -	3%	₹143 Cr	1,350
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹131 Cr	1,260 ↑ 500
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹108 Cr	10,500,000 ↑ 2,500,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹92 Cr	129
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹84 Cr	89
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹79 Cr	7,500 ↑ 5,000
Small Industries Development Bank Of India Debentures \| -	2%	₹79 Cr	750 ↑ 250
Rural Electrification Corporation Limited Debentures \| -	2%	₹78 Cr	7,500

9. 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 (20 May 25)	₹3,907.82 ↑ 1.14 (0.03 %)
Net Assets (Cr)	₹2,921 on 30 Apr 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0
Sharpe Ratio	2.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	1 Year 10 Days
Modified Duration	10 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,650
30 Apr 22	₹11,039
30 Apr 23	₹11,621
30 Apr 24	₹12,429
30 Apr 25	₹13,407

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	0.7%
3 Month	2.4%
6 Month	4.1%
1 Year	8%
3 Year	7%
5 Year	6%
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	10.92 Yr.
Abhishek Sonthalia	6 Feb 20	5.23 Yr.

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

Asset Allocation

Asset Class	Value
Cash	48.67%
Debt	51.05%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	47.22%
Cash Equivalent	28.71%
Government	23.79%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹101 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹100 Cr	1,000 ↑ 1,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	4%	₹97 Cr	9,500,000
Hdb Financial Services Limited Debentures \| -	3%	₹75 Cr	7,500
Rural Electrification Corporation Limited Debentures \| -	3%	₹74 Cr	750
Rural Electrification Corporation Limited Debentures \| -	2%	₹51 Cr	5,000
Sundaram Home Finance Ltd. Debentures \| -	2%	₹50 Cr	5,000
LIC Housing Finance Limited Debentures \| -	2%	₹50 Cr	500
Power Finance Corporation Limited Debentures \| -	2%	₹50 Cr	500
182 DTB 29082025 Sovereign Bonds \| -	2%	₹49 Cr	5,000,000 ↑ 5,000,000

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