SIP 2022లో పెట్టుబడి పెట్టడానికి 8 ఉత్తమ స్వల్పకాలిక మ్యూచువల్ ఫండ్‌లు

Updated on January 25, 2026 , 44051 views

తక్కువ సమయంమ్యూచువల్ ఫండ్స్ ఒక రకంరుణ నిధి ఇది పెట్టుబడిదారులను స్వల్పకాలానికి, అంటే 1-3 సంవత్సరాల వరకు పెట్టుబడి పెట్టడానికి అనుమతిస్తుంది. ఈ ఫండ్స్ డెట్ సెక్యూరిటీలలో పెట్టుబడి పెడతాయి మరియు మెరుగైన రాబడిని సంపాదించడానికి ఫిక్స్‌డ్ డిపాజిట్ల ప్రత్యామ్నాయం కోసం చూస్తున్న పెట్టుబడిదారులకు అనువైనవి. ఈ ఫండ్‌లు సాధారణంగా డెట్ ఇన్‌స్ట్రుమెంట్‌లలో పెట్టుబడి పెడతాయి aజమచేసిన ధ్రువీకరణ పత్రము, ప్రభుత్వ పేపర్ మరియు కార్పొరేట్ పేపర్.స్వల్పకాలిక రుణ నిధులు ఎక్కువ సౌలభ్యాన్ని అనుమతిస్తాయి. పెట్టుబడిదారులు తమకు అవసరమైనప్పుడు ఫండ్ నుండి నిష్క్రమించవచ్చు. అలాగే, ఇతరులకు భిన్నంగామ్యూచువల్ ఫండ్స్ రకాలు, ఈ ఫండ్‌లో ఉపసంహరణ ఛార్జీలు లేవు.ఉత్తమ స్వల్పకాలిక మ్యూచువల్ ఫండ్స్ తక్కువ ఖర్చుతో మంచి రాబడిని పొందేందుకు పెట్టుబడిదారులను అనుమతిస్తాయిసంత ప్రమాదం. కాబట్టి, స్వల్ప లేదా మధ్య కాలానికి పెట్టుబడి పెట్టాలనుకునే పెట్టుబడిదారులు ఈ పథకంలో పెట్టుబడి పెట్టవచ్చు మరియు విలువైన రాబడి మరియు వృద్ధిని పొందవచ్చు.

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SIP ఇన్వెస్ట్‌మెంట్స్ FY 22 - 23 కోసం టాప్ 8 బెస్ట్ పెర్ఫార్మింగ్ షార్ట్ టర్మ్ డెట్ ఫండ్స్

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Short Term Fund Growth	₹62.1416 ↑ 0.00	₹20,935	1,000	1	2.4	7.4	7.6	8	7.32%	2Y 6M 29D	4Y 7M 24D
HDFC Short Term Debt Fund Growth	₹33.0059 ↑ 0.01	₹18,079	300	0.8	2.2	7.2	7.6	7.8	7.11%	2Y 5M 12D	3Y 6M 25D
Axis Short Term Fund Growth	₹31.8772 ↑ 0.01	₹12,708	1,000	0.7	2.2	7.3	7.4	8.1	7.04%	2Y 3M 14D	2Y 10M 2D
Nippon India Short Term Fund Growth	₹54.3777 ↑ 0.02	₹9,723	100	0.6	2	7.2	7.4	7.9	0%
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹48.9886 ↑ 0.00	₹10,575	1,000	0.7	2.1	7	7.3	7.7	7.22%	2Y 9M 18D	3Y 6M 25D
Bandhan Bond Fund Short Term Plan Growth	₹58.7375 ↑ 0.04	₹10,382	1,000	0.8	1.8	6.8	7.3	7.5	6.57%	1Y 11M 5D	2Y 3M 7D
SBI Short Term Debt Fund Growth	₹33.0769 ↑ 0.01	₹17,516	500	0.7	2	7.1	7.2	7.8	7.12%	2Y 7M 10D	3Y 2M 19D
UTI Short Term Income Fund Growth	₹32.5974 ↑ 0.01	₹3,181	500	0.6	1.9	6.7	7.2	7.3	7.02%	2Y 6M 4D	3Y 3M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jan 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	ICICI Prudential Short Term Fund	HDFC Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	Aditya Birla Sun Life Short Term Opportunities Fund	Bandhan Bond Fund Short Term Plan	SBI Short Term Debt Fund	UTI Short Term Income Fund
Point 1	Highest AUM (₹20,935 Cr).	Top quartile AUM (₹18,079 Cr).	Upper mid AUM (₹12,708 Cr).	Bottom quartile AUM (₹9,723 Cr).	Lower mid AUM (₹10,575 Cr).	Lower mid AUM (₹10,382 Cr).	Upper mid AUM (₹17,516 Cr).	Bottom quartile AUM (₹3,181 Cr).
Point 2	Established history (24+ yrs).	Established history (15+ yrs).	Established history (16+ yrs).	Established history (23+ yrs).	Established history (22+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 7.41% (top quartile).	1Y return: 7.17% (upper mid).	1Y return: 7.34% (top quartile).	1Y return: 7.17% (upper mid).	1Y return: 6.97% (lower mid).	1Y return: 6.82% (bottom quartile).	1Y return: 7.07% (lower mid).	1Y return: 6.74% (bottom quartile).
Point 6	1M return: 0.07% (top quartile).	1M return: 0.02% (upper mid).	1M return: 0.02% (lower mid).	1M return: 0.01% (lower mid).	1M return: -0.08% (bottom quartile).	1M return: 0.16% (top quartile).	1M return: -0.01% (bottom quartile).	1M return: 0.02% (upper mid).
Point 7	Sharpe: 1.58 (top quartile).	Sharpe: 1.26 (upper mid).	Sharpe: 1.41 (top quartile).	Sharpe: 1.15 (lower mid).	Sharpe: 1.14 (lower mid).	Sharpe: 0.85 (bottom quartile).	Sharpe: 1.15 (upper mid).	Sharpe: 0.96 (bottom quartile).
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): 7.32% (top quartile).	Yield to maturity (debt): 7.11% (upper mid).	Yield to maturity (debt): 7.04% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 7.22% (top quartile).	Yield to maturity (debt): 6.57% (bottom quartile).	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 7.02% (lower mid).
Point 10	Modified duration: 2.58 yrs (lower mid).	Modified duration: 2.45 yrs (upper mid).	Modified duration: 2.29 yrs (upper mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.80 yrs (bottom quartile).	Modified duration: 1.93 yrs (top quartile).	Modified duration: 2.61 yrs (bottom quartile).	Modified duration: 2.51 yrs (lower mid).

ICICI Prudential Short Term Fund

Highest AUM (₹20,935 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.41% (top quartile).
1M return: 0.07% (top quartile).
Sharpe: 1.58 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.32% (top quartile).
Modified duration: 2.58 yrs (lower mid).

HDFC Short Term Debt Fund

Top quartile AUM (₹18,079 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.17% (upper mid).
1M return: 0.02% (upper mid).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.11% (upper mid).
Modified duration: 2.45 yrs (upper mid).

Axis Short Term Fund

Upper mid AUM (₹12,708 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.34% (top quartile).
1M return: 0.02% (lower mid).
Sharpe: 1.41 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (lower mid).
Modified duration: 2.29 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,723 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.17% (upper mid).
1M return: 0.01% (lower mid).
Sharpe: 1.15 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,575 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.97% (lower mid).
1M return: -0.08% (bottom quartile).
Sharpe: 1.14 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 2.80 yrs (bottom quartile).

Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹10,382 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.82% (bottom quartile).
1M return: 0.16% (top quartile).
Sharpe: 0.85 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (bottom quartile).
Modified duration: 1.93 yrs (top quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹17,516 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.07% (lower mid).
1M return: -0.01% (bottom quartile).
Sharpe: 1.15 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 2.61 yrs (bottom quartile).

UTI Short Term Income Fund

Bottom quartile AUM (₹3,181 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.74% (bottom quartile).
1M return: 0.02% (upper mid).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.51 yrs (lower mid).

*పైన ఉత్తమ జాబితా ఉందిస్వల్పకాలిక రుణం పైన AUM/నికర ఆస్తులను కలిగి ఉన్న నిధులు100 కోట్లు. క్రమబద్ధీకరించబడిందిగత 3 సంవత్సరాల రిటర్న్.

1. 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 (₹20,935 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.41% (top quartile).
1M return: 0.07% (top quartile).
Sharpe: 1.58 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.32% (top quartile).
Modified duration: 2.58 yrs (lower mid).
Average maturity: 4.65 yrs (bottom quartile).
Exit load: 0-7 Days (0.25%),7 Days and above(NIL).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (27 Jan 26)	₹62.1416 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹20,935 on 31 Dec 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	1.58
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	7.32%
Effective Maturity	4 Years 7 Months 24 Days
Modified Duration	2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	0.1%
3 Month	1%
6 Month	2.4%
1 Year	7.4%
3 Year	7.6%
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

Data below for ICICI Prudential Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. 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 (₹18,079 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.17% (upper mid).
1M return: 0.02% (upper mid).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.11% (upper mid).
Modified duration: 2.45 yrs (upper mid).
Average maturity: 3.57 yrs (lower mid).
Exit load: NIL.

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (27 Jan 26)	₹33.0059 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹18,079 on 31 Dec 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	1.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.11%
Effective Maturity	3 Years 6 Months 25 Days
Modified Duration	2 Years 5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.8%
6 Month	2.2%
1 Year	7.2%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	8%

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

Data below for HDFC Short Term Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Upper mid AUM (₹12,708 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.34% (top quartile).
1M return: 0.02% (lower mid).
Sharpe: 1.41 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.04% (lower mid).
Modified duration: 2.29 yrs (upper mid).
Average maturity: 2.84 yrs (upper mid).
Exit load: NIL.

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (27 Jan 26)	₹31.8772 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹12,708 on 31 Dec 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.88
Sharpe Ratio	1.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.04%
Effective Maturity	2 Years 10 Months 2 Days
Modified Duration	2 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.7%
6 Month	2.2%
1 Year	7.3%
3 Year	7.4%
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

Data below for Axis Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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

Bottom quartile AUM (₹9,723 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.17% (upper mid).
1M return: 0.01% (lower mid).
Sharpe: 1.15 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: NIL.

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (27 Jan 26)	₹54.3777 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹9,723 on 31 Dec 25
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

Date	Value

Nippon India 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 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 27 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.6%
6 Month	2%
1 Year	7.2%
3 Year	7.4%
5 Year	6.1%
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

Data below for Nippon India Short Term Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. 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

Lower mid AUM (₹10,575 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.97% (lower mid).
1M return: -0.08% (bottom quartile).
Sharpe: 1.14 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.22% (top quartile).
Modified duration: 2.80 yrs (bottom quartile).
Average maturity: 3.57 yrs (bottom quartile).
Exit load: 0-90 Days (0.5%),90 Days and above(NIL).

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 (27 Jan 26)	₹48.9886 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹10,575 on 31 Dec 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1
Sharpe Ratio	1.14
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	7.22%
Effective Maturity	3 Years 6 Months 25 Days
Modified Duration	2 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	-0.1%
3 Month	0.7%
6 Month	2.1%
1 Year	7%
3 Year	7.3%
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

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. 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

Lower mid AUM (₹10,382 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.82% (bottom quartile).
1M return: 0.16% (top quartile).
Sharpe: 0.85 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.57% (bottom quartile).
Modified duration: 1.93 yrs (top quartile).
Average maturity: 2.27 yrs (top quartile).
Exit load: NIL.

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 (27 Jan 26)	₹58.7375 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹10,382 on 31 Dec 25
Category	Debt - Short term Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.57%
Effective Maturity	2 Years 3 Months 7 Days
Modified Duration	1 Year 11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	0.2%
3 Month	0.8%
6 Month	1.8%
1 Year	6.8%
3 Year	7.3%
5 Year	5.7%
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

Data below for Bandhan Bond Fund Short Term Plan as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

7. 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 (₹17,516 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.07% (lower mid).
1M return: -0.01% (bottom quartile).
Sharpe: 1.15 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 2.61 yrs (bottom quartile).
Average maturity: 3.22 yrs (upper mid).
Exit load: NIL.

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (27 Jan 26)	₹33.0769 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹17,516 on 31 Dec 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	3 Years 2 Months 19 Days
Modified Duration	2 Years 7 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.7%
6 Month	2%
1 Year	7.1%
3 Year	7.2%
5 Year	5.7%
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

Data below for SBI Short Term Debt Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. 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 (₹3,181 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 6.74% (bottom quartile).
1M return: 0.02% (upper mid).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.51 yrs (lower mid).
Average maturity: 3.30 yrs (lower mid).
Exit load: NIL.

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (27 Jan 26)	₹32.5974 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹3,181 on 31 Dec 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	3 Years 3 Months 18 Days
Modified Duration	2 Years 6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value

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 27 Jan 26

Duration	Returns
1 Month	0%
3 Month	0.6%
6 Month	1.9%
1 Year	6.7%
3 Year	7.2%
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

Data below for UTI Short Term Income Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
ఇక్కడ అందించిన సమాచారం ఖచ్చితమైనదని నిర్ధారించడానికి అన్ని ప్రయత్నాలు చేయబడ్డాయి. అయినప్పటికీ, డేటా యొక్క ఖచ్చితత్వానికి సంబంధించి ఎటువంటి హామీలు ఇవ్వబడవు. దయచేసి ఏదైనా పెట్టుబడి పెట్టే ముందు పథకం సమాచార పత్రంతో ధృవీకరించండి.