8 Best Short Term Mutual Funds to Invest in SIP 2025

Updated on December 24, 2025 , 43972 views

Short term Mutual Funds are a type of debt funds that allow investors to invest for a short term, i.e. up to 1-3 years. These funds invest in debt securities and are ideal for investors looking for an alternative of fixed deposits to earn better returns.

These funds typically invest in debt instruments such as a certificate of deposit, government paper and corporate paper. short term debt funds allow greater flexibility. Investors can exit the fund as and when they require. Also, unlike other Types of Mutual Funds, there are no withdrawal charges in this fund. best short term Mutual Funds allow investors to earn good returns with less market risk. So, investors who want to invest for a short or mid term can invest in this scheme and gain valuable returns and growth.

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Fund Selection Methodology used to find 8 funds

Sub-category: Short%20term%20Bond
Investment Option: SIP
AUM Range: 100 to 1000000 Cr
Sorted On : 3-year return (high to low)
Tags: fcpro
No Of Funds: 8

Top 8 Best Performing Short Term Debt Funds for SIP Investments FY 25 - 26

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	₹32.9987 ↑ 0.01	₹18,412	300	1.5	2.8	7.9	7.8	8.3	6.93%	2Y 3M 14D	3Y 4M 24D
ICICI Prudential Short Term Fund Growth	₹62.0971 ↑ 0.02	₹23,473	1,000	1.6	2.9	8.1	7.7	7.8	7.06%	2Y 3M 22D	4Y 3M 11D
Axis Short Term Fund Growth	₹31.8723 ↑ 0.01	₹12,692	1,000	1.4	2.8	8.1	7.6	8	6.85%	2Y 5M 5D	3Y 22D
Nippon India Short Term Fund Growth	₹54.3718 ↑ 0.03	₹9,809	100	1.4	2.6	7.9	7.6	8	7.02%	2Y 7M 24D	3Y 3M 4D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹49.0269 ↑ 0.02	₹10,812	1,000	1.6	2.8	7.8	7.5	7.9	7.02%	2Y 9M 11D	3Y 6M 7D
SBI Short Term Debt Fund Growth	₹33.0791 ↑ 0.01	₹17,715	500	1.4	2.7	7.9	7.4	7.7	6.95%	2Y 9M	3Y 5M 1D
Bandhan Bond Fund Short Term Plan Growth	₹58.6414 ↑ 0.01	₹10,530	1,000	1.2	2.2	7.5	7.4	7.8	6.37%	1Y 4M 20D	1Y 7M 20D
UTI Short Term Income Fund Growth	₹32.5919 ↑ 0.01	₹3,374	500	1.3	2.4	7.4	7.4	7.9	6.84%	2Y 9M 18D	3Y 6M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Dec 25

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	Aditya Birla Sun Life Short Term Opportunities Fund	SBI Short Term Debt Fund	Bandhan Bond Fund Short Term Plan	UTI Short Term Income Fund
Point 1	Top quartile AUM (₹18,412 Cr).	Highest AUM (₹23,473 Cr).	Upper mid AUM (₹12,692 Cr).	Bottom quartile AUM (₹9,809 Cr).	Lower mid AUM (₹10,812 Cr).	Upper mid AUM (₹17,715 Cr).	Lower mid AUM (₹10,530 Cr).	Bottom quartile AUM (₹3,374 Cr).
Point 2	Established history (15+ yrs).	Established history (24+ yrs).	Established history (15+ yrs).	Established history (23+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).	Oldest track record among peers (25 yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	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: 7.89% (upper mid).	1Y return: 8.06% (top quartile).	1Y return: 8.12% (top quartile).	1Y return: 7.91% (upper mid).	1Y return: 7.84% (lower mid).	1Y return: 7.88% (lower mid).	1Y return: 7.51% (bottom quartile).	1Y return: 7.42% (bottom quartile).
Point 6	1M return: 0.15% (top quartile).	1M return: 0.25% (top quartile).	1M return: 0.12% (upper mid).	1M return: 0.04% (bottom quartile).	1M return: 0.10% (lower mid).	1M return: 0.06% (bottom quartile).	1M return: 0.12% (upper mid).	1M return: 0.07% (lower mid).
Point 7	Sharpe: 1.56 (upper mid).	Sharpe: 1.72 (top quartile).	Sharpe: 1.78 (top quartile).	Sharpe: 1.53 (upper mid).	Sharpe: 1.49 (lower mid).	Sharpe: 1.51 (lower mid).	Sharpe: 1.02 (bottom quartile).	Sharpe: 1.25 (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): 6.93% (lower mid).	Yield to maturity (debt): 7.06% (top quartile).	Yield to maturity (debt): 6.85% (lower mid).	Yield to maturity (debt): 7.02% (top quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 6.95% (upper mid).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 6.84% (bottom quartile).
Point 10	Modified duration: 2.29 yrs (top quartile).	Modified duration: 2.31 yrs (upper mid).	Modified duration: 2.43 yrs (upper mid).	Modified duration: 2.65 yrs (lower mid).	Modified duration: 2.78 yrs (bottom quartile).	Modified duration: 2.75 yrs (lower mid).	Modified duration: 1.39 yrs (top quartile).	Modified duration: 2.80 yrs (bottom quartile).

HDFC Short Term Debt Fund

Top quartile AUM (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.89% (upper mid).
1M return: 0.15% (top quartile).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 2.29 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹23,473 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.06% (top quartile).
1M return: 0.25% (top quartile).
Sharpe: 1.72 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.06% (top quartile).
Modified duration: 2.31 yrs (upper mid).

Axis Short Term Fund

Upper mid AUM (₹12,692 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.12% (top quartile).
1M return: 0.12% (upper mid).
Sharpe: 1.78 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 2.43 yrs (upper mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,809 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.91% (upper mid).
1M return: 0.04% (bottom quartile).
Sharpe: 1.53 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 2.65 yrs (lower mid).

Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,812 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.84% (lower mid).
1M return: 0.10% (lower mid).
Sharpe: 1.49 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.78 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹17,715 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.88% (lower mid).
1M return: 0.06% (bottom quartile).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.95% (upper mid).
Modified duration: 2.75 yrs (lower mid).

Bandhan Bond Fund Short Term Plan

Lower mid AUM (₹10,530 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.51% (bottom quartile).
1M return: 0.12% (upper mid).
Sharpe: 1.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 1.39 yrs (top quartile).

UTI Short Term Income Fund

Bottom quartile AUM (₹3,374 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.42% (bottom quartile).
1M return: 0.07% (lower mid).
Sharpe: 1.25 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.84% (bottom quartile).
Modified duration: 2.80 yrs (bottom quartile).

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Experience: 9+ years in Mutual Fund distribution

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*Above is list of best Short Term Debt funds having AUM/Net Assets above 100 Crore. Sorted on Last 3 Year Return.

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 (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.89% (upper mid).
1M return: 0.15% (top quartile).
Sharpe: 1.56 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.93% (lower mid).
Modified duration: 2.29 yrs (top quartile).
Average maturity: 3.40 yrs (upper 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 (26 Dec 25)	₹32.9987 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹18,412 on 30 Nov 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	1.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	3 Years 4 Months 24 Days
Modified Duration	2 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,423
30 Nov 22	₹10,755
30 Nov 23	₹11,491
30 Nov 24	₹12,468
30 Nov 25	₹13,494

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 26 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.5%
6 Month	2.8%
1 Year	7.9%
3 Year	7.8%
5 Year	6.1%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.1%
2022	3.5%
2021	3.9%
2020	11%
2019	9.7%
2018	7%
2017	6.5%
2016	9.3%
2015	8.7%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.45 Yr.
Dhruv Muchhal	22 Jun 23	2.45 Yr.

Data below for HDFC Short Term Debt Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	7.93%
Debt	91.81%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	66.63%
Government	26.75%
Cash Equivalent	6.36%

Credit Quality

Rating	Value
AA	12.77%
AAA	87.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹516 Cr	50,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹440 Cr	43,500
Jubilant Beverages Limited Debentures \| -	2%	₹409 Cr	38,500
Jtpm Metal TRaders Limited Debentures \| -	2%	₹370 Cr	36,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹359 Cr	350
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹357 Cr	34,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹356 Cr	35,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	1%	₹257 Cr	25,500,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹255 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹254 Cr	25,000

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 (₹23,473 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.06% (top quartile).
1M return: 0.25% (top quartile).
Sharpe: 1.72 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.06% (top quartile).
Modified duration: 2.31 yrs (upper mid).
Average maturity: 4.28 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 (26 Dec 25)	₹62.0971 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹23,473 on 15 Dec 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	1.72
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	7.06%
Effective Maturity	4 Years 3 Months 11 Days
Modified Duration	2 Years 3 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,427
30 Nov 22	₹10,877
30 Nov 23	₹11,646
30 Nov 24	₹12,583
30 Nov 25	₹13,615

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 26 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.6%
6 Month	2.9%
1 Year	8.1%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	16.04 Yr.
Nikhil Kabra	29 Dec 20	4.93 Yr.

Data below for ICICI Prudential Short Term Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	15.14%
Debt	84.6%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	60.24%
Government	28.37%
Cash Equivalent	11.13%

Credit Quality

Rating	Value
AA	15.14%
AAA	65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	3%	₹757 Cr	75,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹616 Cr	600
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹613 Cr	60,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹539 Cr	525
Vedanta Limited Debentures \| -	2%	₹511 Cr	51,000
6.82% Govt Stock 2033 Sovereign Bonds \| -	2%	₹499 Cr	48,171,540 ↓ -5,822,850
6.54% Govt Stock 2034 Sovereign Bonds \| -	2%	₹496 Cr	48,681,480 ↓ -20,893,260
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹425 Cr	41,358,430
6.22% Govt Stock 2028 Sovereign Bonds \| -	1%	₹331 Cr	32,821,800 ↓ -288,800
6.79% Govt Stock 2034 Sovereign Bonds \| -	1%	₹298 Cr	29,560,830 ↓ -29,466,650

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 (₹12,692 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.12% (top quartile).
1M return: 0.12% (upper mid).
Sharpe: 1.78 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.85% (lower mid).
Modified duration: 2.43 yrs (upper mid).
Average maturity: 3.06 yrs (top quartile).
Exit load: NIL.

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (26 Dec 25)	₹31.8723 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹12,692 on 30 Nov 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.88
Sharpe Ratio	1.78
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	3 Years 22 Days
Modified Duration	2 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,369
30 Nov 22	₹10,727
30 Nov 23	₹11,410
30 Nov 24	₹12,352
30 Nov 25	₹13,402

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 26 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.4%
6 Month	2.8%
1 Year	8.1%
3 Year	7.6%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.08 Yr.
Aditya Pagaria	3 Jul 23	2.42 Yr.

Data below for Axis Short Term Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	9.9%
Debt	89.85%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	65.83%
Government	24.83%
Cash Equivalent	9.09%

Credit Quality

Rating	Value
AA	15.33%
AAA	84.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.28% Govt Stock 2032 Sovereign Bonds \| -	3%	₹425 Cr	42,885,300 ↑ 37,648,100
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹382 Cr	37,500 ↑ 25,000
Power Finance Corporation Limited Debentures \| -	2%	₹250 Cr	25,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹244 Cr	23,500,000 ↓ -10,000,000
7.54% Govt Stock 2036 Sovereign Bonds \| -	2%	₹223 Cr	21,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹216 Cr	213
6.33% Govt Stock 2035 Sovereign Bonds \| -	2%	₹209 Cr	21,223,500 ↑ 21,000,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹192 Cr	19,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹183 Cr	18,000 ↑ 5,000
Jubilant Beverages Limited Debentures \| -	1%	₹168 Cr	15,750

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 (₹9,809 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 7.91% (upper mid).
1M return: 0.04% (bottom quartile).
Sharpe: 1.53 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (top quartile).
Modified duration: 2.65 yrs (lower mid).
Average maturity: 3.26 yrs (upper mid).
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 (26 Dec 25)	₹54.3718 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹9,809 on 15 Dec 25
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.53
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	3 Years 3 Months 4 Days
Modified Duration	2 Years 7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,459
30 Nov 22	₹10,770
30 Nov 23	₹11,463
30 Nov 24	₹12,400
30 Nov 25	₹13,445

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 26 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.4%
6 Month	2.6%
1 Year	7.9%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.2%
2021	4.4%
2020	9.5%
2019	9.4%
2018	5.5%
2017	5.7%
2016	9.8%
2015	8.1%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.84 Yr.
Kinjal Desai	25 May 18	7.53 Yr.
Sushil Budhia	31 Mar 21	4.67 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Short Term Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.33%
Debt	92.43%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	53.38%
Government	41.47%
Cash Equivalent	4.91%

Credit Quality

Rating	Value
AA	13.35%
AAA	86.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	5%	₹488 Cr	47,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	4%	₹379 Cr	37,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	3%	₹300 Cr	29,000,000
07.17 KA Sdl 2030 Sovereign Bonds \| -	3%	₹254 Cr	25,000,000
07.93 Up SDL 2030 Sovereign Bonds \| -	2%	₹234 Cr	22,500,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	2%	₹227 Cr	225
7.17 Madhya Pradesh SDL 2031 Sovereign Bonds \| -	2%	₹206 Cr	20,500,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹202 Cr	200
Small Industries Development Bank Of India Debentures \| -	2%	₹169 Cr	16,500

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 (₹10,812 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.84% (lower mid).
1M return: 0.10% (lower mid).
Sharpe: 1.49 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.78 yrs (bottom quartile).
Average maturity: 3.52 yrs (lower mid).
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 (26 Dec 25)	₹49.0269 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹10,812 on 15 Dec 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1
Sharpe Ratio	1.49
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	7.02%
Effective Maturity	3 Years 6 Months 7 Days
Modified Duration	2 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,411
30 Nov 22	₹10,820
30 Nov 23	₹11,521
30 Nov 24	₹12,461
30 Nov 25	₹13,486

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 26 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.6%
6 Month	2.8%
1 Year	7.8%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	4.2%
2021	3.8%
2020	11.1%
2019	8.5%
2018	6.5%
2017	5.6%
2016	11.3%
2015	8.4%

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

Name	Since	Tenure
Kaustubh Gupta	11 Sep 14	11.23 Yr.
Mohit Sharma	6 Aug 20	5.32 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	4.41%
Debt	95.32%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	60.52%
Government	34.8%
Cash Equivalent	4.41%

Credit Quality

Rating	Value
AA	13.1%
AAA	86.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Telecom Limited Debentures \| -	5%	₹509 Cr	51,000 ↓ -6,000
Rec Limited Debentures \| -	4%	₹455 Cr	45,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹419 Cr	42,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹405 Cr	40,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹350 Cr	35,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹296 Cr	28,773
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹292 Cr	28,406,400 ↓ -5,000,000
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	3%	₹283 Cr	280
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹273 Cr	26,500,000 ↓ -3,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹271 Cr	27,500

6. 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 (₹17,715 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.88% (lower mid).
1M return: 0.06% (bottom quartile).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.95% (upper mid).
Modified duration: 2.75 yrs (lower mid).
Average maturity: 3.42 yrs (lower 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 (26 Dec 25)	₹33.0791 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹17,715 on 15 Dec 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	3 Years 5 Months 1 Day
Modified Duration	2 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,317
30 Nov 22	₹10,637
30 Nov 23	₹11,321
30 Nov 24	₹12,221
30 Nov 25	₹13,226

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 26 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.4%
6 Month	2.7%
1 Year	7.9%
3 Year	7.4%
5 Year	5.7%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	6.7%
2022	3.5%
2021	2.8%
2020	9.9%
2019	9.5%
2018	6%
2017	5.7%
2016	9.9%
2015	8.2%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Mansi Sajeja	1 Dec 23	2 Yr.

Data below for SBI Short Term Debt Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.72%
Debt	92.03%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	66.69%
Government	28.06%
Cash Equivalent	4.99%

Credit Quality

Rating	Value
AA	13.01%
AAA	86.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.01% Govt Stock 2030 Sovereign Bonds \| -	6%	₹1,037 Cr	105,000,000 ↑ 35,000,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	4%	₹694 Cr	70,000,000 ↓ -30,000,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹607 Cr	600
7.17% Govt Stock 2030 Sovereign Bonds \| -	3%	₹517 Cr	50,000,000
08.32 RJ Sdl 2029 Sovereign Bonds \| -	3%	₹471 Cr	45,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹405 Cr	40,000 ↑ 5,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹394 Cr	39,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹379 Cr	375
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹355 Cr	35,000
07.75 Tn SDL 2032 Sovereign Bonds \| -	2%	₹336 Cr	32,500,000

7. 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 (₹10,530 Cr).
Oldest track record among peers (25 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.51% (bottom quartile).
1M return: 0.12% (upper mid).
Sharpe: 1.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 1.39 yrs (top quartile).
Average maturity: 1.64 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 (26 Dec 25)	₹58.6414 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹10,530 on 30 Nov 25
Category	Debt - Short term Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	1.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	1 Year 7 Months 20 Days
Modified Duration	1 Year 4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,348
30 Nov 22	₹10,606
30 Nov 23	₹11,279
30 Nov 24	₹12,217
30 Nov 25	₹13,170

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 26 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.2%
6 Month	2.2%
1 Year	7.5%
3 Year	7.4%
5 Year	5.7%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	6.9%
2022	2.8%
2021	3.4%
2020	9.7%
2019	9.7%
2018	6.5%
2017	5.9%
2016	8.8%
2015	8.1%

Fund Manager information for Bandhan Bond Fund Short Term Plan

Name	Since	Tenure
Suyash Choudhary	11 Mar 11	14.74 Yr.
Brijesh Shah	10 Jun 24	1.48 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	38.64%
Debt	61.07%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	59.58%
Government	25.14%
Cash Equivalent	14.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	9%	₹957 Cr	93,000,000 ↓ -106,000,000
HDFC Bank Ltd. Debentures \| -	5%	₹565 Cr	57,500,000 ↑ 42,500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹481 Cr	47,500,000
Tata Capital Limited Debentures \| -	4%	₹443 Cr	44,100,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹407 Cr	40,000,000 ↓ -5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹321 Cr	31,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹305 Cr	30,000,000
Bajaj Finance Limited Debentures \| -	3%	₹302 Cr	30,000,000
LIC Housing Finance Ltd Debentures \| -	3%	₹275 Cr	27,000,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹253 Cr	25,000,000

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 (₹3,374 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 7.42% (bottom quartile).
1M return: 0.07% (lower mid).
Sharpe: 1.25 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.84% (bottom quartile).
Modified duration: 2.80 yrs (bottom quartile).
Average maturity: 3.55 yrs (bottom quartile).
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 (26 Dec 25)	₹32.5919 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹3,374 on 30 Nov 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	1.25
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.84%
Effective Maturity	3 Years 6 Months 18 Days
Modified Duration	2 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,858
30 Nov 22	₹11,235
30 Nov 23	₹11,977
30 Nov 24	₹12,953
30 Nov 25	₹13,955

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 26 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.3%
6 Month	2.4%
1 Year	7.4%
3 Year	7.4%
5 Year	6.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%
2015	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.06 Yr.

Data below for UTI Short Term Income Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	9.98%
Debt	89.75%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	67.44%
Government	25.96%
Cash Equivalent	6.33%

Credit Quality

Rating	Value
AA	11%
AAA	89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank Debentures \| -	5%	₹177 Cr	17,500
LIC Housing Finance Ltd Debentures \| -	5%	₹177 Cr	1,750
Power Finance Corporation Limited Debentures \| -	5%	₹177 Cr	17,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹146 Cr	1,450,000,000 ↓ -1,600,000,000
Export Import Bank Of India Debentures \| -	4%	₹126 Cr	12,500
Small Industries Development Bank Of India Debentures \| -	3%	₹99 Cr	10,000 ↑ 5,000
TATA Communications Limited Debentures \| -	3%	₹99 Cr	10,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	3%	₹99 Cr	1,000,000,000 ↑ 1,000,000,000
Kotak Mahindra Prime Limited Debentures \| -	2%	₹76 Cr	750
Export Import Bank Of India Debentures \| -	2%	₹76 Cr	7,500

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.