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Fincash » Mutual Funds » Ultra Short Term Funds Vs Liquid Funds

Ultra Short Term Funds Vs Liquid Funds

Updated on June 28, 2025 , 29527 views

Whenever we think of short-term investment in Mutual Funds, we often come across the terms such as ultra short term funds and Liquid Funds. Though both of them are categories of debt funds, however, they do possess the different characteristics. Ultra Short Term fund is a Debt fund category whose Portfolio consists of fixed Income securities with a maturity period ranging between 91 days to one year. On the other hand, the liquid fund is a debt fund category whose portfolio consists of Fixed Income securities with a maturity period of less than or equal to 91 days.

ultra-short-vs-liquid-funds

So, let us understand the differences between both ultra short term funds and liquid funds with respect to various parameters.

What is an Ultra Short Term Fund?

Ultra short term fund is a category of debt fund that invests its corpus in fixed income securities. The fund’s portfolio maturity tenure extends between 91 days and normally less than 1 year. These schemes were earlier referred as Liquid Plus Funds. Ultra Short Term Funds is suitable for investors who are willing to take a marginally higher level of risk to earn higher returns. These schemes are a notch above liquid funds with respect to risk and returns.

What is a Liquid Fund?

Liquid fund refers to the Mutual Fund scheme that invests its accumulated fund money in fixed income securities having a maturity period of less than 91 days. Liquid funds are part of debt funds and are considered to be one of the safe investment avenues. People having idle funds lying in their Bank account can choose to invest in the money in liquid funds and earn more returns. These schemes have higher liquidity as compared to ultra short term fund.

Difference Between Ultra Short Term Fund Vs Liquid Fund

The different parameters that differentiate ultra short term funds and liquid funds are as follows.

Maturity Tenure of Underlying Assets

The Maturity tenure of Underlying assets in case of liquid funds is less as compared to ultra short term funds. These securities in most cases have a maturity profile of less than or equal to 91 days. However, in case of ultra short term funds, the maturity tenure of its underlying securities are more than 91 days and less than 1 year.

Liquidity

The liquidity of liquid funds is high as compared to ultra short term funds. In case liquid funds, some of the Mutual Fund companies do provide an instant Redemption Facility. By opting for this facility, one can ensure that they get their proceeds credited to the bank account within 30 minutes. However, this facility is not available in case of ultra short term funds. In ultra short term funds people get their money back on the next working day if they place their order before the cut-off time.

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Returns

The returns in case of ultra short term funds are slightly higher as compared to liquid funds. This higher return is due to the marginally higher risk which is present in ultra short term funds as compared to liquid funds.

Risk

The risk in case of liquid funds is very low as compared to ultra short term funds. This is because the underlying securities in liquid funds are mostly held till maturity instead of trading due to very low maturity tenure. However, in case of ultra short term funds, the risk is marginally higher as compared to liquid funds.

Exit Load

Most of the liquid funds do not have any exit loads attached to it due to which people get the entire redemption proceeds at the time of withdrawals. However, ultra short term funds may or may not have exit loads. Exit load in case of ultra short term fund is generally applicable if the redemption is done within a short period of time.

Taxation

Since both ultra short-term funds and liquid funds are a part of the debt funds; the taxation rules are same for both of them. If both the funds are sold within three years from the date of purchase, then Short Term Capital Gain (STCG) is applicable which is charged as per the individual’s tax slab. On the contrary, if the units are redeemed after three years then Long Term Capital Gain (LTCG) is applicable which is charged at 20% along with indexation benefits.

Cut-off Time

The cut-off time for placing an order with respect to purchase or redemption in case of the liquid fund is 2 PM, while in case of ultra short term funds the cut-off time is 3 PM.

The table given below sums up the differences between liquid funds and ultra short term funds.

Parameters Liquid Funds Ultra Short Term Funds
Maturity Profile of Underlying Assets The maturity profile of the assets is less than or equal to 91 days The maturity profile of the assets is more than 91 days and less than one year
Liquidity High liquidity Low as compared to Liquid Funds
Returns Lower as compared to ultra short term funds Slightly higher than liquid funds
Risk Very low Marginally higher in comparison to liquid funds
Exit Load Mostly does not have exit load May or may not have exit loads
Taxation Short-term: Taxed as per individual’s slab rates Long-term: Taxed at 20% and had taxation benefits Same as Liquid Funds
Cut-off Time 2 PM 3 PM

Best Funds to Invest in FY 25 - 26

After understanding the differences between liquid funds and ultra short term funds, let us have a look at some of the Best Liquid Funds and Best Ultra Short term funds which may suit your requirements.

Best Liquid Funds

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹3,007.83
↑ 0.80
₹1,8490.51.73.57.27.45.91%1M 24D1M 28D
Axis Liquid Fund Growth ₹2,908.31
↑ 0.76
₹36,0890.51.73.57.27.46.3%1M 8D1M 11D
DSP BlackRock Liquidity Fund Growth ₹3,728.94
↑ 0.96
₹17,7520.51.73.57.27.46.51%1M 6D1M 10D
Canara Robeco Liquid Growth ₹3,143.92
↑ 0.84
₹6,3870.51.73.57.27.46.24%1M 15D1M 18D
Invesco India Liquid Fund Growth ₹3,590.11
↑ 0.93
₹14,7370.51.73.57.27.46.19%1M 22D1M 22D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jul 25

Best Ultra Short Term Funds

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹549.219
↑ 0.26
₹18,9812.24.18.17.47.96.92%4M 13D5M 8D
ICICI Prudential Ultra Short Term Fund Growth ₹27.7422
↑ 0.01
₹16,26923.97.77.17.56.88%5M 12D8M 8D
SBI Magnum Ultra Short Duration Fund Growth ₹5,982.99
↑ 2.85
₹16,43423.97.677.40.49%5M 16D6M 25D
Invesco India Ultra Short Term Fund Growth ₹2,700.77
↑ 1.29
₹1,2271.93.97.56.97.56.59%5M 16D5M 24D
Kotak Savings Fund Growth ₹42.9358
↑ 0.02
₹15,4011.93.87.56.97.26.63%5M 23D6M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jul 25

*Above is the detailed list of Liquid / Ultrashort funds having Net Assets more than 1000 Crore and have been managing funds for atleast 3 Years. Sorted based on 1 Year returns.

*Below is the detailed list of Liquid / Ultrashort funds having Net Assets more than 1000 Crore and have been managing funds for atleast 3 Years. Sorted based on last yield to maturity.

1. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (01 Jul 25) ₹4,033.27 ↑ 1.69   (0.04 %)
Net Assets (Cr) ₹8,772 on 31 May 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 1.78
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.98%
Effective Maturity 7 Months 25 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,563
30 Jun 22₹11,228
30 Jun 23₹11,923
30 Jun 24₹12,747
30 Jun 25₹13,692

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.8%
1 Year 7.4%
3 Year 6.8%
5 Year 6.5%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.7%
2022 4.6%
2021 7.8%
2020 4.9%
2019 0.9%
2018 7.3%
2017 5.8%
2016 6.8%
2015 7.6%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 1311.67 Yr.
Kinjal Desai25 May 187.02 Yr.
Akshay Sharma1 Dec 222.5 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash52.98%
Debt46.77%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate56.37%
Cash Equivalent30.8%
Government12.58%
Credit Quality
RatingValue
AA15.05%
AAA84.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹327 Cr32,500
182 Days Tbill
Sovereign Bonds | -
3%₹247 Cr25,000,000
Vedanta Limited
Debentures | -
3%₹241 Cr24,000
LIQUID GOLD SERIES 10
Unlisted bonds | -
3%₹217 Cr82
Small Industries Development Bank Of India
Debentures | -
2%₹201 Cr2,000
182 Days Tbill
Sovereign Bonds | -
2%₹197 Cr20,000,000
Interise TRust
Debentures | -
2%₹187 Cr19,500
Rec Limited
Debentures | -
2%₹184 Cr1,850
Power Finance Corporation Limited
Debentures | -
2%₹177 Cr17,500
↑ 7,500
Credila Financial Services Limited
Debentures | -
2%₹157 Cr15,500

2. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (01 Jul 25) ₹549.219 ↑ 0.26   (0.05 %)
Net Assets (Cr) ₹18,981 on 31 May 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.11
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.92%
Effective Maturity 5 Months 8 Days
Modified Duration 4 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,484
30 Jun 22₹10,887
30 Jun 23₹11,600
30 Jun 24₹12,464
30 Jun 25₹13,474

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 2.2%
6 Month 4.1%
1 Year 8.1%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.96 Yr.
Kaustubh Gupta15 Jul 1113.89 Yr.
Monika Gandhi22 Mar 214.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash41.07%
Debt58.69%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate64.99%
Cash Equivalent18.97%
Government15.8%
Credit Quality
RatingValue
AA35.5%
AAA64.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹613 Cr60,000
Nirma Limited
Debentures | -
3%₹489 Cr48,500
Small Industries Development Bank of India
Debentures | -
2%₹430 Cr9,000
Gujarat (Government of)
- | -
2%₹379 Cr37,500,000
Bharti Telecom Limited
Debentures | -
2%₹362 Cr3,600
182 DTB 29082025
Sovereign Bonds | -
2%₹356 Cr36,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹317 Cr3,150
Mankind Pharma Limited
Debentures | -
2%₹309 Cr30,500
Avanse Financial Services Limited
Debentures | -
2%₹301 Cr30,000
Bharti Telecom Limited
Debentures | -
1%₹271 Cr2,700

3. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (01 Jul 25) ₹27.7422 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹16,269 on 31 May 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 2.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity 6.88%
Effective Maturity 8 Months 8 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,502
30 Jun 22₹10,888
30 Jun 23₹11,583
30 Jun 24₹12,411
30 Jun 25₹13,362

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for ICICI Prudential Ultra 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 2%
6 Month 3.9%
1 Year 7.7%
3 Year 7.1%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 6.9%
2022 4.5%
2021 4%
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 168.55 Yr.
Ritesh Lunawat15 Jun 177.97 Yr.

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

Asset Allocation
Asset ClassValue
Cash44.32%
Debt55.45%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate58.66%
Government22.39%
Cash Equivalent18.73%
Credit Quality
RatingValue
AA17.33%
AAA82.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.11% Govt Stock 2028
Sovereign Bonds | -
6%₹1,047 Cr103,500,000
↓ -5,500,000
LIC Housing Finance Ltd
Debentures | -
4%₹602 Cr6,000
182 Days Tbill
Sovereign Bonds | -
3%₹492 Cr50,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹384 Cr38,000
↑ 7,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹377 Cr3,750
↑ 1,000
Bharti Telecom Limited
Debentures | -
2%₹347 Cr34,500
Larsen And Toubro Limited
Debentures | -
2%₹251 Cr25,000
LIC Housing Finance Ltd
Debentures | -
1%₹226 Cr2,250
HDFC Bank Ltd.
Debentures | -
1%₹214 Cr4,500
Oberoi Realty Limited
Debentures | -
1%₹202 Cr20,000

4. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (01 Jul 25) ₹3,410.92 ↑ 1.64   (0.05 %)
Net Assets (Cr) ₹4,011 on 31 May 25
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio 1.36
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.79%
Effective Maturity 6 Months
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,311
30 Jun 22₹10,617
30 Jun 23₹11,244
30 Jun 24₹12,015
30 Jun 25₹12,897

DSP BlackRock Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.8%
1 Year 7.3%
3 Year 6.7%
5 Year 5.2%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.9%
2023 6.7%
2022 4.1%
2021 2.9%
2020 4.7%
2019 7.3%
2018 5%
2017 6%
2016 7.5%
2015 7.9%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Karan Mundhra31 May 214.01 Yr.
Shalini Vasanta1 Jan 250.41 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash67.67%
Debt32%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate54.52%
Cash Equivalent32.14%
Government13.02%
Credit Quality
RatingValue
AA5.57%
AAA94.43%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 06112025
Sovereign Bonds | -
2%₹98 Cr10,000,000
Bharti Telecom Limited
Debentures | -
2%₹79 Cr7,500
7.59% Govt Stock 2026
Sovereign Bonds | -
2%₹78 Cr7,500,000
↑ 7,500,000
LIC Housing Finance Ltd
Debentures | -
2%₹78 Cr750
↑ 750
182 DTB 31072025
Sovereign Bonds | -
2%₹65 Cr6,500,000
Tata Capital Housing Finance Limited
Debentures | -
1%₹53 Cr500
Mahindra Rural Housing Finance Limited
Debentures | -
1%₹52 Cr5,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹52 Cr500
Bajaj Housing Finance Limited
Debentures | -
1%₹51 Cr5,000
Tata Capital Housing Finance Limited
Debentures | -
1%₹50 Cr5,000

5. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (01 Jul 25) ₹4,244.3 ↑ 2.07   (0.05 %)
Net Assets (Cr) ₹4,351 on 31 May 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 1.63
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.73%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,396
30 Jun 22₹11,020
30 Jun 23₹11,694
30 Jun 24₹12,502
30 Jun 25₹13,424

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.4%
3 Year 6.8%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.7%
2022 4.2%
2021 6.1%
2020 5.3%
2019 3.3%
2018 7%
2017 6.6%
2016 8.9%
2015 8.5%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jan 250.36 Yr.

Data below for UTI Ultra Short Term Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash62.93%
Debt36.88%
Other0.19%
Debt Sector Allocation
SectorValue
Corporate60.71%
Cash Equivalent33.44%
Government5.66%
Credit Quality
RatingValue
AA15.03%
AAA84.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
4%₹181 Cr1,800
Titan Company Limited
Debentures | -
3%₹151 Cr15,000
↑ 5,000
182 Days Tbill
Sovereign Bonds | -
3%₹148 Cr1,500,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹101 Cr1,000
LIC Housing Finance Ltd
Debentures | -
2%₹101 Cr1,000
↑ 250
182 Days Tbill
Sovereign Bonds | -
2%₹99 Cr1,000,000,000
Shriram Finance Limited
Debentures | -
2%₹81 Cr8,000
Indian Bank
Domestic Bonds | -
2%₹72 Cr750,000,000
↑ 750,000,000
Indian Bank
Domestic Bonds | -
2%₹72 Cr750,000,000
Muthoot Finance Limited
Debentures | -
1%₹50 Cr5,000

Conclusion

To conclude, it can be said that both ultra short term funds and liquid funds have their own set of characteristics. However, people while choosing any scheme should check and ensure whether the scheme is in-line with their determined objective. They should also check the modalities of the scheme completely. Moreover, they may even consult a financial advisor if required to ensure that their investment helps them to attain their desired objectives.

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.
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Harsh, posted on 3 Dec 18 1:27 AM

Great alternative for FD - Fixed Deposit Investment. Nice article explains each fund very well.

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