SIP 2022 இல் முதலீடு செய்வதற்கான 8 சிறந்த குறுகிய கால மியூச்சுவல் ஃபண்டுகள்

Updated on May 11, 2026 , 44392 views

குறுகிய காலம்பரஸ்பர நிதி ஒரு வகைகடன் நிதி இது முதலீட்டாளர்களை குறுகிய காலத்திற்கு, அதாவது 1-3 ஆண்டுகள் வரை முதலீடு செய்ய அனுமதிக்கிறது. இந்த நிதிகள் கடன் பத்திரங்களில் முதலீடு செய்கின்றன மற்றும் சிறந்த வருமானத்தைப் பெற நிலையான வைப்புகளுக்கு மாற்றாகத் தேடும் முதலீட்டாளர்களுக்கு ஏற்றதாக இருக்கும். இந்த நிதிகள் பொதுவாக கடன் கருவிகளில் முதலீடு செய்கின்றனவைப்புச் சான்றிதழ், அரசு தாள் மற்றும் கார்ப்பரேட் பேப்பர்.குறுகிய கால கடன் நிதிகள் அதிக நெகிழ்வுத்தன்மையை அனுமதிக்கும். முதலீட்டாளர்கள் தங்களுக்குத் தேவைப்படும்போது நிதியிலிருந்து வெளியேறலாம். மேலும், மற்றவர்களைப் போலல்லாமல்மியூச்சுவல் ஃபண்டுகளின் வகைகள், இந்த நிதியில் திரும்பப் பெறுவதற்கான கட்டணங்கள் எதுவும் இல்லை.சிறந்த குறுகிய கால மியூச்சுவல் ஃபண்டுகள் முதலீட்டாளர்கள் குறைந்த வருமானத்தில் நல்ல வருமானத்தை ஈட்ட அனுமதிக்கும்சந்தை ஆபத்து. எனவே, குறுகிய கால அல்லது இடைக்காலத்திற்கு முதலீடு செய்ய விரும்பும் முதலீட்டாளர்கள் இந்தத் திட்டத்தில் முதலீடு செய்து மதிப்புமிக்க வருமானத்தையும் வளர்ச்சியையும் பெறலாம்.

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FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 8 சிறந்த செயல்திறன் கொண்ட குறுகிய கால கடன் நிதிகள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Short Term Debt Fund Growth	₹33.4198 ↓ 0.00	₹14,728	300	0.7	1.7	5.1	7.2	7.8	7.85%	2Y 4M 17D	3Y 5M 12D
ICICI Prudential Short Term Fund Growth	₹62.9441 ↑ 0.00	₹20,688	1,000	0.8	1.8	5.4	7.2	8	7.89%	2Y 4M 24D	3Y 11M 8D
Axis Short Term Fund Growth	₹32.3073 ↓ 0.00	₹8,342	1,000	0.7	1.7	5.2	7	8.1	7.79%	2Y 2M 19D	3Y
Nippon India Short Term Fund Growth	₹55.032 ↓ -0.01	₹6,632	100	0.6	1.5	4.9	7	7.9	7.28%	2Y 5M 23D	3Y
Bandhan Bond Fund Short Term Plan Growth	₹59.6124 ↓ -0.02	₹8,612	1,000	1	2	5	6.9	7.5	7.47%	2Y 2M 26D	3Y 18D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹49.5577 ↓ -0.01	₹6,501	1,000	0.5	1.4	4.8	6.9	7.7	7.84%	2Y 9M 11D	3Y 7M 20D
UTI Short Term Income Fund Growth	₹32.989 ↑ 0.00	₹2,359	500	0.6	1.5	4.7	6.8	7.3	7.19%	2Y 5M 16D	3Y 5M 16D
SBI Short Term Debt Fund Growth	₹33.4332 ↓ -0.01	₹14,580	500	0.5	1.4	4.7	6.8	7.8	7.79%	2Y 3M 11D	2Y 9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 May 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	HDFC Short Term Debt Fund	ICICI Prudential Short Term Fund	Axis Short Term Fund	Nippon India Short Term Fund	Bandhan Bond Fund Short Term Plan	Aditya Birla Sun Life Short Term Opportunities Fund	UTI Short Term Income Fund	SBI Short Term Debt Fund
Point 1	Top quartile AUM (₹14,728 Cr).	Highest AUM (₹20,688 Cr).	Lower mid AUM (₹8,342 Cr).	Lower mid AUM (₹6,632 Cr).	Upper mid AUM (₹8,612 Cr).	Bottom quartile AUM (₹6,501 Cr).	Bottom quartile AUM (₹2,359 Cr).	Upper mid AUM (₹14,580 Cr).
Point 2	Established history (15+ yrs).	Established history (24+ yrs).	Established history (16+ yrs).	Established history (23+ yrs).	Oldest track record among peers (25 yrs).	Established history (23+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 5.09% (upper mid).	1Y return: 5.36% (top quartile).	1Y return: 5.21% (top quartile).	1Y return: 4.85% (lower mid).	1Y return: 4.96% (upper mid).	1Y return: 4.80% (lower mid).	1Y return: 4.69% (bottom quartile).	1Y return: 4.74% (bottom quartile).
Point 6	1M return: 0.24% (top quartile).	1M return: 0.20% (lower mid).	1M return: 0.22% (upper mid).	1M return: 0.21% (lower mid).	1M return: 0.19% (bottom quartile).	1M return: 0.19% (bottom quartile).	1M return: 0.26% (top quartile).	1M return: 0.21% (upper mid).
Point 7	Sharpe: 0.22 (upper mid).	Sharpe: 0.34 (top quartile).	Sharpe: 0.24 (top quartile).	Sharpe: 0.13 (upper mid).	Sharpe: 0.03 (bottom quartile).	Sharpe: 0.06 (lower mid).	Sharpe: -0.13 (bottom quartile).	Sharpe: 0.07 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.85% (top quartile).	Yield to maturity (debt): 7.89% (top quartile).	Yield to maturity (debt): 7.79% (upper mid).	Yield to maturity (debt): 7.28% (bottom quartile).	Yield to maturity (debt): 7.47% (lower mid).	Yield to maturity (debt): 7.84% (upper mid).	Yield to maturity (debt): 7.19% (bottom quartile).	Yield to maturity (debt): 7.79% (lower mid).
Point 10	Modified duration: 2.38 yrs (upper mid).	Modified duration: 2.40 yrs (lower mid).	Modified duration: 2.22 yrs (top quartile).	Modified duration: 2.48 yrs (bottom quartile).	Modified duration: 2.24 yrs (top quartile).	Modified duration: 2.78 yrs (bottom quartile).	Modified duration: 2.46 yrs (lower mid).	Modified duration: 2.28 yrs (upper mid).

HDFC Short Term Debt Fund

Top quartile AUM (₹14,728 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.09% (upper mid).
1M return: 0.24% (top quartile).
Sharpe: 0.22 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.85% (top quartile).
Modified duration: 2.38 yrs (upper mid).

ICICI Prudential Short Term Fund

Highest AUM (₹20,688 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.36% (top quartile).
1M return: 0.20% (lower mid).
Sharpe: 0.34 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.89% (top quartile).
Modified duration: 2.40 yrs (lower mid).

Axis Short Term Fund

Lower mid AUM (₹8,342 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.21% (top quartile).
1M return: 0.22% (upper mid).
Sharpe: 0.24 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 2.22 yrs (top quartile).

Nippon India Short Term Fund

Lower mid AUM (₹6,632 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 4.85% (lower mid).
1M return: 0.21% (lower mid).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.28% (bottom quartile).
Modified duration: 2.48 yrs (bottom quartile).

Bandhan Bond Fund Short Term Plan

Upper mid AUM (₹8,612 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.96% (upper mid).
1M return: 0.19% (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.47% (lower mid).
Modified duration: 2.24 yrs (top quartile).

Aditya Birla Sun Life Short Term Opportunities Fund

Bottom quartile AUM (₹6,501 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.80% (lower mid).
1M return: 0.19% (bottom quartile).
Sharpe: 0.06 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.84% (upper mid).
Modified duration: 2.78 yrs (bottom quartile).

UTI Short Term Income Fund

Bottom quartile AUM (₹2,359 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.69% (bottom quartile).
1M return: 0.26% (top quartile).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.19% (bottom quartile).
Modified duration: 2.46 yrs (lower mid).

SBI Short Term Debt Fund

Upper mid AUM (₹14,580 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.74% (bottom quartile).
1M return: 0.21% (upper mid).
Sharpe: 0.07 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.79% (lower mid).
Modified duration: 2.28 yrs (upper mid).

*மேலே சிறந்த பட்டியல்குறுகிய கால கடன் மேலே உள்ள AUM/நிகர சொத்துகளைக் கொண்ட நிதிகள்100 கோடி. வரிசைப்படுத்தப்பட்டதுகடந்த 3 வருட வருவாய்.

1. HDFC Short Term Debt Fund

(Erstwhile HDFC Short Term Opportunities Fund)

To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months.

Research Highlights for HDFC Short Term Debt Fund

Top quartile AUM (₹14,728 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.09% (upper mid).
1M return: 0.24% (top quartile).
Sharpe: 0.22 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.85% (top quartile).
Modified duration: 2.38 yrs (upper mid).
Average maturity: 3.45 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Aditya Birla Renewables Limited (~2.8%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (13 May 26)	₹33.4198 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹14,728 on 31 Mar 26
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	0.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.85%
Effective Maturity	3 Years 5 Months 12 Days
Modified Duration	2 Years 4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,363
30 Apr 23	₹10,934
30 Apr 24	₹11,713
30 Apr 25	₹12,815
30 Apr 26	₹13,477

HDFC Short Term Debt 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 Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.7%
6 Month	1.7%
1 Year	5.1%
3 Year	7.2%
5 Year	6.1%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	8.3%
2022	7.1%
2021	3.5%
2020	3.9%
2019	11%
2018	9.7%
2017	7%
2016	6.5%
2015	9.3%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.86 Yr.
Dhruv Muchhal	22 Jun 23	2.86 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	3.55%
Debt	96.12%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	71.41%
Government	24.71%
Cash Equivalent	3.55%

Credit Quality

Rating	Value
AA	15.12%
AAA	84.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya Birla Renewables Limited Debentures \| -	3%	₹437 Cr	43,500
Jubilant Beverages Limited Debentures \| -	3%	₹417 Cr	38,500
Jtpm Metal TRaders Limited Debentures \| -	2%	₹377 Cr	36,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹353 Cr	35,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹347 Cr	350
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹310 Cr	30,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹302 Cr	30,000 ↑ 30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹292 Cr	29,170 ↑ 12,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹252 Cr	25,000
Pipeline Infrastructure Limited Debentures \| -	2%	₹248 Cr	24,500

2. ICICI Prudential Short Term Fund

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

Research Highlights for ICICI Prudential Short Term Fund

Highest AUM (₹20,688 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 5.36% (top quartile).
1M return: 0.20% (lower mid).
Sharpe: 0.34 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.89% (top quartile).
Modified duration: 2.40 yrs (lower mid).
Average maturity: 3.94 yrs (bottom quartile).
Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~83%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~4.3%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (13 May 26)	₹62.9441 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹20,688 on 31 Mar 26
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity	7.89%
Effective Maturity	3 Years 11 Months 8 Days
Modified Duration	2 Years 4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,363
30 Apr 23	₹11,039
30 Apr 24	₹11,837
30 Apr 25	₹12,911
30 Apr 26	₹13,618

ICICI Prudential Short Term Fund SIP Returns

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

Returns for ICICI Prudential Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.8%
6 Month	1.8%
1 Year	5.4%
3 Year	7.2%
5 Year	6.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	7.8%
2022	7.4%
2021	4.7%
2020	3.9%
2019	10.6%
2018	9.7%
2017	5.8%
2016	5.9%
2015	11.1%

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	16.46 Yr.
Nikhil Kabra	29 Dec 20	5.34 Yr.

Data below for ICICI Prudential Short Term Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	16.27%
Debt	83.43%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	69.38%
Government	20.75%
Cash Equivalent	9.56%

Credit Quality

Rating	Value
AA	20.46%
AAA	79.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹895 Cr	89,500
LIC Housing Finance Ltd Debentures \| -	4%	₹748 Cr	75,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹590 Cr	600
Vedanta Limited Debentures \| -	3%	₹588 Cr	58,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹517 Cr	525
Small Industries Development Bank Of India Debentures \| -	2%	₹441 Cr	44,700
Summit Digitel Infrastructure Limited Debentures \| -	1%	₹284 Cr	28,300
Muthoot Finance Limited Debentures \| -	1%	₹281 Cr	28,000
Small Industries Development Bank Of India Debentures \| -	1%	₹260 Cr	26,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹260 Cr	26,000 ↑ 5,000

3. Axis Short Term Fund

To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Short Term Fund

Lower mid AUM (₹8,342 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.21% (top quartile).
1M return: 0.22% (upper mid).
Sharpe: 0.24 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 2.22 yrs (top quartile).
Average maturity: 3.00 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.48% Govt Stock 2035 (~4.2%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (13 May 26)	₹32.3073 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹8,342 on 31 Mar 26
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.88
Sharpe Ratio	0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.79%
Effective Maturity	3 Years
Modified Duration	2 Years 2 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,357
30 Apr 23	₹10,920
30 Apr 24	₹11,631
30 Apr 25	₹12,734
30 Apr 26	₹13,411

Axis Short Term Fund SIP Returns

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

Returns for Axis Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.7%
6 Month	1.7%
1 Year	5.2%
3 Year	7%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	8%
2022	6.8%
2021	3.7%
2020	3.5%
2019	10.1%
2018	9.8%
2017	6.3%
2016	5.9%
2015	9.6%

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.49 Yr.
Aditya Pagaria	3 Jul 23	2.83 Yr.

Data below for Axis Short Term Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	10.29%
Debt	89.32%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	71.92%
Government	23.39%
Cash Equivalent	4.29%

Credit Quality

Rating	Value
AA	21.18%
AAA	78.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.48% Govt Stock 2035 Sovereign Bonds \| -	4%	₹383 Cr	39,387,300 ↑ 39,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹351 Cr	35,000 ↑ 5,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹211 Cr	213
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹200 Cr	20,000 ↑ 20,000
Small Industries Development Bank Of India Debentures \| -	2%	₹199 Cr	20,000 ↑ 20,000
Power Finance Corporation Limited Debentures \| -	2%	₹197 Cr	20,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹191 Cr	19,000
Jubilant Beverages Limited Debentures \| -	2%	₹171 Cr	15,750
Small Industries Development Bank Of India Debentures \| -	2%	₹150 Cr	15,000
Power Finance Corporation Limited Debentures \| -	2%	₹148 Cr	15,000

4. Nippon India Short Term Fund

The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securitites of a short term maturity.

Research Highlights for Nippon India Short Term Fund

Lower mid AUM (₹6,632 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 4.85% (lower mid).
1M return: 0.21% (lower mid).
Sharpe: 0.13 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.28% (bottom quartile).
Modified duration: 2.48 yrs (bottom quartile).
Average maturity: 3.00 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding SHIVSHAKTI SECURITISATION TRUST (~3.1%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (13 May 26)	₹55.032 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹6,632 on 31 Mar 26
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.28%
Effective Maturity	3 Years
Modified Duration	2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,392
30 Apr 23	₹10,900
30 Apr 24	₹11,623
30 Apr 25	₹12,728
30 Apr 26	₹13,362

Nippon India Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Nippon India Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.6%
6 Month	1.5%
1 Year	4.9%
3 Year	7%
5 Year	5.9%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	8%
2022	6.8%
2021	3.2%
2020	4.4%
2019	9.5%
2018	9.4%
2017	5.5%
2016	5.7%
2015	9.8%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	6.25 Yr.
Kinjal Desai	25 May 18	7.94 Yr.
Sushil Budhia	31 Mar 21	5.09 Yr.
Amber Singhania	11 Mar 26	0.14 Yr.

Data below for Nippon India Short Term Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	6.48%
Debt	93.14%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	61.04%
Government	33.42%
Cash Equivalent	5.15%

Credit Quality

Rating	Value
AA	15.77%
AAA	84.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹222 Cr	225
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹198 Cr	200
Bharti Telecom Limited Debentures \| -	2%	₹175 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	2%	₹166 Cr	16,500
Knowledge Realty TRust Debentures \| -	2%	₹160 Cr	16,000
7.93% Uttarpradesh Sdl 2030 Sovereign Bonds \| -	2%	₹154 Cr	15,000,000
Export Import Bank Of India Debentures \| -	2%	₹151 Cr	15,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹134 Cr	1,300
7.17% Madhyapradesh Sgs 2031 Sovereign Bonds \| -	2%	₹124 Cr	12,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	2%	₹124 Cr	12,000,000 ↓ -6,000,000

5. Bandhan Bond Fund Short Term Plan

(Erstwhile IDFC Super Saver Income Fund - Short Term Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Bond Fund Short Term Plan

Upper mid AUM (₹8,612 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.96% (upper mid).
1M return: 0.19% (bottom quartile).
Sharpe: 0.03 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.47% (lower mid).
Modified duration: 2.24 yrs (top quartile).
Average maturity: 3.05 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~76%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~13.3%).

Below is the key information for Bandhan Bond Fund Short Term Plan

Bandhan Bond Fund Short Term Plan Growth
Launch Date	14 Dec 00
NAV (13 May 26)	₹59.6124 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹8,612 on 31 Mar 26
Category	Debt - Short term Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	3 Years 18 Days
Modified Duration	2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,290
30 Apr 23	₹10,813
30 Apr 24	₹11,507
30 Apr 25	₹12,600
30 Apr 26	₹13,226

Bandhan Bond Fund Short Term Plan 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 Bandhan Bond Fund Short Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	1%
6 Month	2%
1 Year	5%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.8%
2022	6.9%
2021	2.8%
2020	3.4%
2019	9.7%
2018	9.7%
2017	6.5%
2016	5.9%
2015	8.8%

Fund Manager information for Bandhan Bond Fund Short Term Plan

Name	Since	Tenure
Suyash Choudhary	11 Mar 11	15.15 Yr.
Brijesh Shah	10 Jun 24	1.89 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	23.23%
Debt	76.4%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	61.1%
Government	36.19%
Cash Equivalent	2.35%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	13%	₹1,145 Cr	120,000,000 ↑ 20,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹406 Cr	40,500,000
Bajaj Finance Limited Debentures \| -	4%	₹323 Cr	32,500,000
Small Industries Development Bank of India Debentures \| -	4%	₹316 Cr	32,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹302 Cr	30,000,000
LIC Housing Finance Ltd Debentures \| -	3%	₹271 Cr	27,000,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹251 Cr	25,000,000
LIC Housing Finance Ltd Debentures \| -	3%	₹246 Cr	24,500,000
6.88% Uttarpradesh Sdl 2031 Sovereign Bonds \| -	3%	₹246 Cr	25,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹231 Cr	23,500,000 ↑ 23,500,000

6. Aditya Birla Sun Life Short Term Opportunities Fund

An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating.

Research Highlights for Aditya Birla Sun Life Short Term Opportunities Fund

Bottom quartile AUM (₹6,501 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.80% (lower mid).
1M return: 0.19% (bottom quartile).
Sharpe: 0.06 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.84% (upper mid).
Modified duration: 2.78 yrs (bottom quartile).
Average maturity: 3.64 yrs (bottom quartile).
Exit load: 0-90 Days (0.5%),90 Days and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Telecom Limited (~6.3%).

Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund

Aditya Birla Sun Life Short Term Opportunities Fund Growth
Launch Date	9 May 03
NAV (13 May 26)	₹49.5577 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹6,501 on 31 Mar 26
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1
Sharpe Ratio	0.06
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity	7.84%
Effective Maturity	3 Years 7 Months 20 Days
Modified Duration	2 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,397
30 Apr 23	₹10,990
30 Apr 24	₹11,715
30 Apr 25	₹12,813
30 Apr 26	₹13,443

Aditya Birla Sun Life Short Term Opportunities Fund SIP Returns

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

Returns for Aditya Birla Sun Life Short Term Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.5%
6 Month	1.4%
1 Year	4.8%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.9%
2022	6.9%
2021	4.2%
2020	3.8%
2019	11.1%
2018	8.5%
2017	6.5%
2016	5.6%
2015	11.3%

Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund

Name	Since	Tenure
Kaustubh Gupta	11 Sep 14	11.64 Yr.
Mohit Sharma	6 Aug 20	5.74 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	6.97%
Debt	92.62%
Other	0.41%

Debt Sector Allocation

Sector	Value
Corporate	65.58%
Government	27.04%
Cash Equivalent	6.97%

Credit Quality

Rating	Value
AA	19.02%
AAA	80.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Telecom Limited Debentures \| -	6%	₹456 Cr	46,000
Tata Capital Housing Finance Limited Debentures \| -	5%	₹337 Cr	34,500 ↓ -500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹315 Cr	32,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	4%	₹275 Cr	280
Power Finance Corporation Limited Debentures \| -	4%	₹265 Cr	27,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹215 Cr	21,406,400
Jubilant Bevco Limited Debentures \| -	3%	₹207 Cr	19,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹196 Cr	18,773 ↓ -10,000
National Housing Bank Debentures \| -	3%	₹193 Cr	20,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹187 Cr	19,500

7. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Short Term Income Fund

Bottom quartile AUM (₹2,359 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 4.69% (bottom quartile).
1M return: 0.26% (top quartile).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.19% (bottom quartile).
Modified duration: 2.46 yrs (lower mid).
Average maturity: 3.46 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding Ncd Lic Housing Finance Ltd. (~6.5%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (13 May 26)	₹32.989 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹2,359 on 31 Mar 26
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	-0.13
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.19%
Effective Maturity	3 Years 5 Months 16 Days
Modified Duration	2 Years 5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,849
30 Apr 23	₹11,425
30 Apr 24	₹12,229
30 Apr 25	₹13,320
30 Apr 26	₹13,949

UTI Short Term Income Fund SIP Returns

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

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.3%
3 Month	0.6%
6 Month	1.5%
1 Year	4.7%
3 Year	6.8%
5 Year	6.9%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7.9%
2022	6.9%
2021	3.8%
2020	8.4%
2019	10.5%
2018	-3.9%
2017	6%
2016	6.1%
2015	10.1%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.47 Yr.

Data below for UTI Short Term Income Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	12.57%
Debt	87.09%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	62.83%
Government	31.36%
Cash Equivalent	5.46%

Credit Quality

Rating	Value
AA	15.07%
AAA	84.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Ncd Lic Housing Finance Ltd. Debentures \| -	6%	₹175 Cr	1,750 ↑ 1,750
Export Import Bank Of India Debentures \| -	5%	₹123 Cr	12,500
Piramal Finance Limited Debentures \| -	4%	₹100 Cr	10,000
Power Finance Corporation Limited Debentures \| -	4%	₹100 Cr	10,000 ↑ 10,000
Vedanta Limited Debentures \| -	4%	₹98 Cr	9,800 ↑ 5,000
Poonawalla Fincorp Limited Debentures \| -	3%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	3%	₹75 Cr	7,500
Export Import Bank Of India Debentures \| -	3%	₹74 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹73 Cr	7,500
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹72 Cr	750,000,000

8. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

Research Highlights for SBI Short Term Debt Fund

Upper mid AUM (₹14,580 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.74% (bottom quartile).
1M return: 0.21% (upper mid).
Sharpe: 0.07 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.79% (lower mid).
Modified duration: 2.28 yrs (upper mid).
Average maturity: 2.80 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding SHIVSHAKTI SECURITISATION TRUST (~4.2%).

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (13 May 26)	₹33.4332 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹14,580 on 31 Mar 26
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	0.07
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.79%
Effective Maturity	2 Years 9 Months 18 Days
Modified Duration	2 Years 3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,339
30 Apr 23	₹10,871
30 Apr 24	₹11,571
30 Apr 25	₹12,643
30 Apr 26	₹13,254

SBI Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for SBI Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26

Duration	Returns
1 Month	0.2%
3 Month	0.5%
6 Month	1.4%
1 Year	4.7%
3 Year	6.8%
5 Year	5.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.7%
2022	6.7%
2021	3.5%
2020	2.8%
2019	9.9%
2018	9.5%
2017	6%
2016	5.7%
2015	9.9%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Mansi Sajeja	1 Dec 23	2.42 Yr.

Data below for SBI Short Term Debt Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	7.85%
Debt	91.8%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	73.57%
Government	22.06%
Cash Equivalent	4.02%

Credit Quality

Rating	Value
AA	15.37%
AAA	84.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	4%	₹592 Cr	600
Karnataka (Government of) 7.31% - \| -	3%	₹496 Cr	50,000,000
8.32% Rajasthan Sdl 2029 Sovereign Bonds \| -	3%	₹465 Cr	45,000,000
Tamil Nadu (Government of) 7.03% - \| -	3%	₹444 Cr	44,724,600
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹402 Cr	40,000
Indigrid Infrastructure Trust Debentures \| -	3%	₹388 Cr	39,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹371 Cr	375
7.17% Govt Stock 2030 Sovereign Bonds \| -	2%	₹306 Cr	30,000,000
Mindspace Business Parks Reit Debentures \| -	2%	₹302 Cr	30,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹302 Cr	30,000

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவுகளின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.