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 April 27, 2025 , 14223 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 (%)	2023 (%)	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	₹28.3717 ↑ 0.01	₹531	3.6	5.3	9.2	7.2	7.5	7.6%	10M 26D	1Y 5M 5D
ICICI Prudential Savings Fund Growth	₹537.5 ↑ 0.17	₹21,474	2.4	4.1	8.2	7.4	8	7.57%	10M 24D	1Y 11M 1D
UTI Treasury Advantage Fund Growth	₹3,508.38 ↑ 1.17	₹2,735	2.4	4.1	8.2	7	7.7	7.39%	11M 8D	1Y 18D
Invesco India Treasury Advantage Fund Growth	₹3,742.02 ↑ 0.97	₹1,431	2.3	4	7.9	6.7	7.6	7.32%	10M 28D	1Y 1D
Tata Treasury Advantage Fund Growth	₹3,888.55 ↑ 1.20	₹2,324	2.3	4	7.9	6.7	7.4	7.35%	11M 16D	1Y 2M 13D
DSP BlackRock Low Duration Fund Growth	₹19.6149 ↑ 0.01	₹4,196	2.3	4	7.8	6.7	7.4	7.27%	10M 24D	1Y 14D
IDFC Low Duration Fund Growth	₹38.1615 ↑ 0.01	₹5,531	2.3	4	7.8	6.7	7.3	7.55%	10M 25D	11M 4D
Nippon India Low Duration Fund Growth	₹3,702.57 ↑ 1.04	₹6,876	2.3	4	7.8	6.6	7.4	7.75%	11M 1D	1Y 2M 25D
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
31 Mar 20	₹10,000
31 Mar 21	₹10,508

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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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 (29 Apr 25)	₹28.3717 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹531 on 28 Feb 25
Category	Debt - Low Duration
AMC	L&T Investment Management Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	1.68
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	7.6%
Effective Maturity	1 Year 5 Months 5 Days
Modified Duration	10 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,569
31 Mar 22	₹10,949
31 Mar 23	₹11,461
31 Mar 24	₹12,307
31 Mar 25	₹13,241

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	2.2%
3 Month	3.6%
6 Month	5.3%
1 Year	9.2%
3 Year	7.2%
5 Year	6.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	7.1%
2021	3.9%
2020	3.4%
2019	6.9%
2018	5.1%
2017	6.6%
2016	8.3%
2015	9.8%
2014	8.8%

Fund Manager information for L&T Low Duration Fund

Name	Since	Tenure
Shriram Ramanathan	24 Nov 12	12.36 Yr.
Mohd Asif Rizwi	16 Jan 24	1.21 Yr.

Data below for L&T Low Duration Fund as on 28 Feb 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 (29 Apr 25)	₹537.5 ↑ 0.17 (0.03 %)
Net Assets (Cr)	₹21,474 on 31 Mar 25
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	2.64
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	1 Year 11 Months 1 Day
Modified Duration	10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,740
31 Mar 22	₹11,188
31 Mar 23	₹11,811
31 Mar 24	₹12,741
31 Mar 25	₹13,748

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	1%
3 Month	2.4%
6 Month	4.1%
1 Year	8.2%
3 Year	7.4%
5 Year	6.8%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%
2014	8.8%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	0.55 Yr.
Darshil Dedhia	12 Jun 23	1.8 Yr.

Data below for ICICI Prudential Savings Fund as on 31 Mar 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 (29 Apr 25)	₹3,508.38 ↑ 1.17 (0.03 %)
Net Assets (Cr)	₹2,735 on 31 Mar 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	1 Year 18 Days
Modified Duration	11 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,638
31 Mar 22	₹11,617
31 Mar 23	₹12,220
31 Mar 24	₹13,119
31 Mar 25	₹14,136

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	1%
3 Month	2.4%
6 Month	4.1%
1 Year	8.2%
3 Year	7%
5 Year	7.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%
2014	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.33 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	33.52%
Debt	66.17%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	56.98%
Government	23.81%
Cash Equivalent	18.9%

Credit Quality

Rating	Value
AA	13.95%
AAA	86.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	10%	₹294 Cr	3,000,000,000
Power Finance Corporation Limited Debentures \| -	5%	₹148 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹126 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹101 Cr	10,000
Nirma Limited Debentures \| -	3%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹55 Cr	550,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹53 Cr	75
Rec Limited Debentures \| -	2%	₹51 Cr	5,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹51 Cr	5,000

5. 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 (29 Apr 25)	₹3,742.02 ↑ 0.97 (0.03 %)
Net Assets (Cr)	₹1,431 on 31 Mar 25
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	1 Year 1 Day
Modified Duration	10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,629
31 Mar 22	₹11,013
31 Mar 23	₹11,531
31 Mar 24	₹12,368
31 Mar 25	₹13,293

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	0.9%
3 Month	2.3%
6 Month	4%
1 Year	7.9%
3 Year	6.7%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.6%
2022	6.8%
2021	4%
2020	3.5%
2019	7.1%
2018	8.9%
2017	7.1%
2016	6.3%
2015	8.5%
2014	8.4%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	12.25 Yr.
Vikas Garg	16 Dec 20	4.29 Yr.

Data below for Invesco India Treasury Advantage Fund as on 31 Mar 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

6. 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 (29 Apr 25)	₹3,888.55 ↑ 1.20 (0.03 %)
Net Assets (Cr)	₹2,324 on 31 Mar 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0
Sharpe Ratio	1.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.35%
Effective Maturity	1 Year 2 Months 13 Days
Modified Duration	11 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,651
31 Mar 22	₹11,064
31 Mar 23	₹11,598
31 Mar 24	₹12,419
31 Mar 25	₹13,350

Tata Treasury Advantage 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 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	1%
3 Month	2.3%
6 Month	4%
1 Year	7.9%
3 Year	6.7%
5 Year	6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.9%
2021	4.1%
2020	3.6%
2019	7.5%
2018	2.2%
2017	7.5%
2016	6.9%
2015	8.5%
2014	8.6%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	10.84 Yr.
Abhishek Sonthalia	6 Feb 20	5.15 Yr.

Data below for Tata Treasury Advantage Fund as on 31 Mar 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

7. 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 (29 Apr 25)	₹19.6149 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹4,196 on 31 Mar 25
Category	Debt - Low Duration
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.71
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	1 Year 14 Days
Modified Duration	10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,589
31 Mar 22	₹10,982
31 Mar 23	₹11,517
31 Mar 24	₹12,338
31 Mar 25	₹13,263

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	0.9%
3 Month	2.3%
6 Month	4%
1 Year	7.8%
3 Year	6.7%
5 Year	5.9%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.9%
2021	4.2%
2020	3.5%
2019	6.7%
2018	8.7%
2017	7.3%
2016	6.5%
2015	8.5%
2014

Fund Manager information for DSP BlackRock Low Duration Fund

Name	Since	Tenure
Karan Mundra	1 Mar 22	3.09 Yr.
Shalini Vasanta	1 Jun 23	1.83 Yr.

Data below for DSP BlackRock Low Duration Fund as on 31 Mar 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

8. 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 (29 Apr 25)	₹38.1615 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹5,531 on 31 Mar 25
Category	Debt - Low Duration
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1.81
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.55%
Effective Maturity	11 Months 4 Days
Modified Duration	10 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,587
31 Mar 22	₹10,977
31 Mar 23	₹11,506
31 Mar 24	₹12,322
31 Mar 25	₹13,238

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	1%
3 Month	2.3%
6 Month	4%
1 Year	7.8%
3 Year	6.7%
5 Year	5.9%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	6.9%
2021	4%
2020	3.5%
2019	6.9%
2018	8.3%
2017	7.2%
2016	7%
2015	8.8%
2014	8.7%

Fund Manager information for IDFC Low Duration Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	3.68 Yr.
Brijesh Shah	10 Jun 24	0.81 Yr.

Data below for IDFC Low Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	37.57%
Debt	62.13%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.65%
Government	21.85%
Cash Equivalent	12.21%

Credit Quality

Rating	Value
AA	3.25%
AAA	96.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹201 Cr	20,000,000 ↑ 20,000,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹190 Cr	18,900,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹190 Cr	19,000,000
Power Finance Corporation Ltd. Debentures \| -	3%	₹166 Cr	16,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹154 Cr	15,500,000 ↑ 2,500,000
Power Finance Corporation Ltd. Debentures \| -	3%	₹150 Cr	15,000,000 ↓ -2,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹150 Cr	15,000,000 ↑ 7,500,000
LIC Housing Finance Ltd Debentures \| -	3%	₹149 Cr	15,000,000 ↑ 15,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹125 Cr	12,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500,000

9. 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 (29 Apr 25)	₹3,702.57 ↑ 1.04 (0.03 %)
Net Assets (Cr)	₹6,876 on 31 Mar 25
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.62
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	1 Year 2 Months 25 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,625
31 Mar 22	₹11,072
31 Mar 23	₹11,594
31 Mar 24	₹12,410
31 Mar 25	₹13,334

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	1%
3 Month	2.3%
6 Month	4%
1 Year	7.8%
3 Year	6.6%
5 Year	6.2%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.7%
2021	4.2%
2020	4.1%
2019	7.3%
2018	7%
2017	7.4%
2016	6.6%
2015	8.5%
2014	8.4%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.17 Yr.
Kinjal Desai	25 May 18	6.86 Yr.

Data below for Nippon India Low Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	33.46%
Debt	66.22%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	68.45%
Government	19.52%
Cash Equivalent	11.71%

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%	₹203 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹196 Cr	19,500
Indinfravit Trust Debentures \| -	2%	₹172 Cr	18,000
Highways Infrastructure Trust Debentures \| -	2%	₹171 Cr	1,750
182 DTB 12062025 Sovereign Bonds \| -	2%	₹168 Cr	17,000,000
Rec Limited Debentures \| -	2%	₹156 Cr	15,500
NAOMI 05 2024 Unlisted bonds \| -	2%	₹153 Cr	10,000
Ncd Small Industries Development Bank Of India Debentures \| -	2%	₹152 Cr	15,000
India Grid Trust Debentures \| -	2%	₹151 Cr	15,000
Hinduja Leyland Finance Limited Debentures \| -	2%	₹142 Cr	14,000

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