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2022 میں سرمایہ کاری کے لیے 5 بہترین مختصر دورانیہ (مختصر مدت) قرض فنڈز

Updated on October 17, 2025 , 28369 views

عام طور پر لوگ اس پر یقین رکھتے ہیں۔مشترکہ فنڈ سرمایہ کاری طویل مدتی سرمایہ کاروں کے لیے ہے۔ ٹھیک ہے، یہ سچ نہیں ہے! فنڈز کا ایک زمرہ ہے جسے مختصر دورانیے کے فنڈز یا شارٹ ٹرم کہتے ہیں۔قرض فنڈ جو سرمایہ کاروں کو اپنی رقم کو قابل رسائی رکھنے کے ساتھ ساتھ مختصر مدت کے لیے سرمایہ کاری کرنے کی اجازت دیتا ہے۔ اگرچہ میں مختلف مختصر دورانیے کے فنڈز دستیاب ہیں۔مارکیٹ، سرمایہ کاروں کو بہترین مختصر دورانیہ (شارٹ ٹرم) ڈیبٹ فنڈز تلاش کرنے کا مشورہ دیا جاتا ہے۔

بہترین مختصر دورانیہ (شارٹ ٹرم) ڈیبٹ فنڈز وہ فنڈز ہیں جو سرمایہ کاروں کو قلیل مدت کے لیے، عام طور پر تین سال کے لیے، کم مارکیٹ رسک کے ساتھ اچھا منافع کمانے کی اجازت دیتے ہیں۔ یہ فنڈز انتہائی موزوں سرمایہ کار ہیں جن میں کم خطرے کی بھوک ہے جو فوری واپسی اور مستحکم بہاؤ کے خواہاں ہیں۔آمدنی بانڈ مارکیٹوں میں روزانہ کی تبدیلیوں سے متاثر ہوئے بغیر۔

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بہترین مختصر دورانیے کے فنڈز یا قلیل مدتی قرض کے فنڈز FY 22 - 23

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Short Term Debt Fund Growth ₹32.7155
↑ 0.02
₹17,9991.43.48.288.36.94%2Y 3M 7D3Y 5M 12D
ICICI Prudential Short Term Fund Growth ₹61.4794
↓ 0.00
₹22,3391.43.58.27.87.87.27%2Y 7M 10D4Y 10M 20D
Nippon India Short Term Fund Growth ₹53.9837
↑ 0.02
₹8,9351.43.58.47.887.04%2Y 6M 18D3Y 2M 19D
Axis Short Term Fund Growth ₹31.618
↑ 0.01
₹12,1291.53.68.67.886.89%2Y 5M 23D3Y 2M 12D
Aditya Birla Sun Life Short Term Opportunities Fund Growth ₹48.6029
↑ 0.02
₹10,7111.43.48.17.77.97.16%2Y 8M 1D3Y 6M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryHDFC Short Term Debt FundICICI Prudential Short Term FundNippon India Short Term FundAxis Short Term FundAditya Birla Sun Life Short Term Opportunities Fund
Point 1Upper mid AUM (₹17,999 Cr).Highest AUM (₹22,339 Cr).Bottom quartile AUM (₹8,935 Cr).Lower mid AUM (₹12,129 Cr).Bottom quartile AUM (₹10,711 Cr).
Point 2Established history (15+ yrs).Oldest track record among peers (24 yrs).Established history (22+ yrs).Established history (15+ yrs).Established history (22+ yrs).
Point 3Rating: 3★ (bottom quartile).Top rated.Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).
Point 4Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.
Point 51Y return: 8.18% (bottom quartile).1Y return: 8.22% (lower mid).1Y return: 8.41% (upper mid).1Y return: 8.55% (top quartile).1Y return: 8.12% (bottom quartile).
Point 61M return: 0.84% (lower mid).1M return: 0.77% (bottom quartile).1M return: 0.95% (top quartile).1M return: 0.80% (bottom quartile).1M return: 0.88% (upper mid).
Point 7Sharpe: 1.33 (lower mid).Sharpe: 1.43 (upper mid).Sharpe: 1.26 (bottom quartile).Sharpe: 1.56 (top quartile).Sharpe: 1.18 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.94% (bottom quartile).Yield to maturity (debt): 7.27% (top quartile).Yield to maturity (debt): 7.04% (lower mid).Yield to maturity (debt): 6.89% (bottom quartile).Yield to maturity (debt): 7.16% (upper mid).
Point 10Modified duration: 2.27 yrs (top quartile).Modified duration: 2.61 yrs (bottom quartile).Modified duration: 2.55 yrs (lower mid).Modified duration: 2.48 yrs (upper mid).Modified duration: 2.67 yrs (bottom quartile).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹17,999 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.18% (bottom quartile).
  • 1M return: 0.84% (lower mid).
  • Sharpe: 1.33 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.94% (bottom quartile).
  • Modified duration: 2.27 yrs (top quartile).

ICICI Prudential Short Term Fund

  • Highest AUM (₹22,339 Cr).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.22% (lower mid).
  • 1M return: 0.77% (bottom quartile).
  • Sharpe: 1.43 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 2.61 yrs (bottom quartile).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹8,935 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.41% (upper mid).
  • 1M return: 0.95% (top quartile).
  • Sharpe: 1.26 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.04% (lower mid).
  • Modified duration: 2.55 yrs (lower mid).

Axis Short Term Fund

  • Lower mid AUM (₹12,129 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.55% (top quartile).
  • 1M return: 0.80% (bottom quartile).
  • Sharpe: 1.56 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.89% (bottom quartile).
  • Modified duration: 2.48 yrs (upper mid).

Aditya Birla Sun Life Short Term Opportunities Fund

  • Bottom quartile AUM (₹10,711 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.12% (bottom quartile).
  • 1M return: 0.88% (upper mid).
  • Sharpe: 1.18 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.16% (upper mid).
  • Modified duration: 2.67 yrs (bottom quartile).
*فنڈز کی بنیاد پر فہرست بنائیںاثاثے>= 100 کروڑ اور ترتیب دیا گیا3 سالسی اے جی آر واپسی.

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

  • Upper mid AUM (₹17,999 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.18% (bottom quartile).
  • 1M return: 0.84% (lower mid).
  • Sharpe: 1.33 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.94% (bottom quartile).
  • Modified duration: 2.27 yrs (top quartile).
  • Average maturity: 3.45 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.18% Govt Stock 2033 (~4.3%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund
Growth
Launch Date 25 Jun 10
NAV (17 Oct 25) ₹32.7155 ↑ 0.02   (0.05 %)
Net Assets (Cr) ₹17,999 on 31 Aug 25
Category Debt - Short term Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.69
Sharpe Ratio 1.33
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.94%
Effective Maturity 3 Years 5 Months 12 Days
Modified Duration 2 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,586
30 Sep 22₹10,854
30 Sep 23₹11,624
30 Sep 24₹12,591
30 Sep 25₹13,595

HDFC Short Term Debt 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 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 17 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.4%
6 Month 3.4%
1 Year 8.2%
3 Year 8%
5 Year 6.2%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anil Bamboli25 Jun 1015.2 Yr.
Dhruv Muchhal22 Jun 232.2 Yr.

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

Asset Allocation
Asset ClassValue
Cash8.32%
Debt91.42%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate62.52%
Government30.19%
Cash Equivalent4.38%
Securitized2.64%
Credit Quality
RatingValue
AA11.5%
AAA88.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
4%₹778 Cr75,000,000
↓ -7,500,000
Aditya Birla Renewables Limited
Debentures | -
2%₹441 Cr43,500
7.11% Govt Stock 2028
Sovereign Bonds | -
2%₹419 Cr41,500,000
Jubilant Beverages Limited
Debentures | -
2%₹401 Cr38,500
7.26% Govt Stock 2032
Sovereign Bonds | -
2%₹359 Cr34,500,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹331 Cr32,500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹256 Cr25,000
Bajaj Housing Finance Limited
Debentures | -
1%₹255 Cr25,000
Pipeline Infrastructure Limited
Debentures | -
1%₹251 Cr24,500
Shivshakti Securitisation Trust^
Unlisted bonds | -
1%₹250 Cr250
↑ 250

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 (₹22,339 Cr).
  • Oldest track record among peers (24 yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 8.22% (lower mid).
  • 1M return: 0.77% (bottom quartile).
  • Sharpe: 1.43 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.27% (top quartile).
  • Modified duration: 2.61 yrs (bottom quartile).
  • Average maturity: 4.89 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 (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~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 (17 Oct 25) ₹61.4794 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹22,339 on 15 Sep 25
Category Debt - Short term Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.04
Sharpe Ratio 1.43
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 7.27%
Effective Maturity 4 Years 10 Months 20 Days
Modified Duration 2 Years 7 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,591
30 Sep 22₹10,971
30 Sep 23₹11,768
30 Sep 24₹12,697
30 Sep 25₹13,718

ICICI Prudential 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 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 17 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.4%
6 Month 3.5%
1 Year 8.2%
3 Year 7.8%
5 Year 6.4%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia19 Nov 0915.79 Yr.
Nikhil Kabra29 Dec 204.68 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.65%
Debt96.08%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate58.16%
Government32.77%
Securitized5.15%
Cash Equivalent3.65%
Credit Quality
RatingValue
AA19.28%
AAA80.72%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹966 Cr95,187,610
LIC Housing Finance Ltd
Debentures | -
3%₹759 Cr75,000
6.99% Govt Stock 2034
Sovereign Bonds | -
3%₹710 Cr69,574,740
Shivshakti Securitisation Trust **
Unlisted bonds | -
3%₹625 Cr625
↑ 625
7.81% Govt Stock 2033
Sovereign Bonds | -
3%₹573 Cr55,312,240
↓ -36,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹563 Cr55,500
Siddhivinayak Securitisation Trust **
Unlisted bonds | -
2%₹525 Cr525
↑ 525
Vedanta Limited
Debentures | -
2%₹510 Cr51,000
7.1% Govt Stock 2034
Sovereign Bonds | -
2%₹428 Cr41,358,430
7.11% Govt Stock 2028
Sovereign Bonds | -
2%₹364 Cr36,000,000
↑ 36,000,000

3. 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 (₹8,935 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.41% (upper mid).
  • 1M return: 0.95% (top quartile).
  • Sharpe: 1.26 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.04% (lower mid).
  • Modified duration: 2.55 yrs (lower mid).
  • Average maturity: 3.22 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.32% Govt Stock 2030 (~5.7%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund
Growth
Launch Date 18 Dec 02
NAV (17 Oct 25) ₹53.9837 ↑ 0.02   (0.04 %)
Net Assets (Cr) ₹8,935 on 31 Aug 25
Category Debt - Short term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.94
Sharpe Ratio 1.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.04%
Effective Maturity 3 Years 2 Months 19 Days
Modified Duration 2 Years 6 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,619
30 Sep 22₹10,860
30 Sep 23₹11,583
30 Sep 24₹12,518
30 Sep 25₹13,537

Nippon India 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 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 17 Oct 25

DurationReturns
1 Month 0.9%
3 Month 1.4%
6 Month 3.5%
1 Year 8.4%
3 Year 7.8%
5 Year 6.2%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma1 Feb 205.59 Yr.
Kinjal Desai25 May 187.28 Yr.
Sushil Budhia31 Mar 214.42 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.32%
Debt94.42%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate50.14%
Government42.42%
Securitized4.8%
Cash Equivalent2.38%
Credit Quality
RatingValue
AA10.93%
AAA89.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.32% Govt Stock 2030
Sovereign Bonds | -
6%₹500 Cr48,000,000
7.02% Govt Stock 2031
Sovereign Bonds | -
4%₹391 Cr38,000,000
↓ -2,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
3%₹300 Cr29,000,000
↓ -1,000,000
07.17 KA Sdl 2030
Sovereign Bonds | -
3%₹253 Cr25,000,000
↑ 25,000,000
07.93 Up SDL 2030
Sovereign Bonds | -
3%₹234 Cr22,500,000
↑ 12,500,000
Shivshakti Securitisation Trust**
Unlisted bonds | -
3%₹225 Cr225
↑ 225
7.17 Madhya Pradesh SDL 2031
Sovereign Bonds | -
2%₹206 Cr20,500,000
Aditya Birla Housing Finance Limited
Debentures | -
2%₹203 Cr20,000
Siddhivinayak Securitisation Trust**
Unlisted bonds | -
2%₹200 Cr200
↑ 200
National Bank For Agriculture And Rural Development
Debentures | -
2%₹173 Cr17,000
↓ -5,000

4. 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 (₹12,129 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.55% (top quartile).
  • 1M return: 0.80% (bottom quartile).
  • Sharpe: 1.56 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.89% (bottom quartile).
  • Modified duration: 2.48 yrs (upper mid).
  • Average maturity: 3.20 yrs (top quartile).
  • Exit load: NIL.
  • Top bond sector: Corporate.
  • Debt-heavy allocation (~92%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~3.5%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund
Growth
Launch Date 22 Jan 10
NAV (17 Oct 25) ₹31.618 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹12,129 on 31 Aug 25
Category Debt - Short term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.88
Sharpe Ratio 1.56
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.89%
Effective Maturity 3 Years 2 Months 12 Days
Modified Duration 2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,514
30 Sep 22₹10,803
30 Sep 23₹11,515
30 Sep 24₹12,437
30 Sep 25₹13,473

Axis 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 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 17 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.5%
6 Month 3.6%
1 Year 8.6%
3 Year 7.8%
5 Year 6.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Devang Shah5 Nov 1212.83 Yr.
Aditya Pagaria3 Jul 232.17 Yr.

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

Asset Allocation
Asset ClassValue
Cash8.21%
Debt91.54%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate62.94%
Government27.48%
Cash Equivalent6.84%
Securitized2.48%
Credit Quality
RatingValue
AA12.8%
AAA87.2%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹427 Cr42,126,700
↓ -32,000,000
7.54% Bihar State Development Loans (03/09/2033)
Sovereign Bonds | -
3%₹354 Cr35,000,000
↑ 35,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹319 Cr31,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹254 Cr25,000
↑ 18,500
Power Finance Corporation Limited
Debentures | -
2%₹248 Cr25,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹233 Cr23,000
↑ 5,000
Indigrid Infrastructure Trust
Debentures | -
2%₹193 Cr19,000
Tata Capital Limited
Debentures | -
1%₹177 Cr1,750
Tata Capital Housing Finance Limited
Debentures | -
1%₹150 Cr15,000
Kotak Mahindra Prime Limited
Debentures | -
1%₹150 Cr15,000
↑ 15,000

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

  • Bottom quartile AUM (₹10,711 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 8.12% (bottom quartile).
  • 1M return: 0.88% (upper mid).
  • Sharpe: 1.18 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.16% (upper mid).
  • Modified duration: 2.67 yrs (bottom quartile).
  • Average maturity: 3.51 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 (~94%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Rec Limited (~4.3%).

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 (17 Oct 25) ₹48.6029 ↑ 0.02   (0.05 %)
Net Assets (Cr) ₹10,711 on 31 Aug 25
Category Debt - Short term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1
Sharpe Ratio 1.18
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 7.16%
Effective Maturity 3 Years 6 Months 4 Days
Modified Duration 2 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,575
30 Sep 22₹10,923
30 Sep 23₹11,649
30 Sep 24₹12,581
30 Sep 25₹13,563

Aditya Birla Sun Life Short Term Opportunities 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 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 17 Oct 25

DurationReturns
1 Month 0.9%
3 Month 1.4%
6 Month 3.4%
1 Year 8.1%
3 Year 7.7%
5 Year 6.2%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaustubh Gupta11 Sep 1410.98 Yr.
Mohit Sharma6 Aug 205.07 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.65%
Debt94.08%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate53.43%
Government38.2%
Cash Equivalent4.97%
Securitized3.14%
Credit Quality
RatingValue
AA15.15%
AAA84.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Rec Limited
Debentures | -
4%₹456 Cr45,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹432 Cr42,500
Indian Railway Finance Corporation Limited
Debentures | -
4%₹421 Cr42,500
Tata Capital Housing Finance Limited
Debentures | -
3%₹349 Cr35,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹315 Cr31,000
7.18% Govt Stock 2033
Sovereign Bonds | -
3%₹306 Cr29,500,000
Siddhivinayak Securitisation Trust 2025-1 (28/09/2030) **
Unlisted bonds | -
3%₹280 Cr280
↑ 280
7.1% Govt Stock 2034
Sovereign Bonds | -
3%₹278 Cr26,906,400
↑ 2,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
3%₹274 Cr27,000,000
↑ 10,000,000
Power Finance Corporation Limited
Debentures | -
3%₹272 Cr27,500

بہترین مختصر دورانیے کے قرض فنڈز میں کیوں سرمایہ کاری کریں؟

ان سرمایہ کاری کی قلیل مدتی نوعیت کے پیش نظر، مختصر دورانیہ (مختصر مدت) قرض فنڈز بہت زیادہ منافع نہیں دیتے ہیں جیسےایکویٹی فنڈز. تاہم، یقینی طور پر کئی وجوہات ہیں جو یقینی بناتے ہیںسرمایہ کاری بہترین مختصر دورانیے (مختصر مدت) میں قرض کے فنڈز قابل غور ہیں۔ ان میں سے کچھ شامل ہیں-

  • مختصر دورانیہ (مختصر مدت) قرض فنڈز ان سرمایہ کاروں کے لیے ایک انتہائی موزوں آپشن ہیں جو ایسی سرمایہ کاری کرنے کے خواہشمند ہیں جن میں مائع اور الٹرا سے قدرے زیادہ پختگی ہو۔مختصر مدت کے قرض فنڈز لیکن ایک ہی طرف بہت خطرناک نہیں ہیں.

  • ایک قلیل مدتی سرمایہ کاری ہونے کے ناطے، یہ فنڈ ان لوگوں کے لیے انتہائی موزوں ہے جو 1-3 سال کے لیے اپنی بیکار کیش کو اس سے بہتر منافع کمانے کے لیے پارک کرنا چاہتے ہیں۔مقررہ آمدنی سرمایہ کاری کے اختیارات جیسے FDs۔

  • تجزیہ کے مطابق، قلیل مدتی بانڈ فنڈز طویل مدتی کے مقابلے میں شامل خطرے کے مطابق منافع کی بہتر شرح پیش کرتے ہیں۔بانڈز. مختصر دورانیے کے فنڈز بڑھنے کے لیے کم حساس ہوتے ہیں۔مہنگائی دوسرے انٹرمیڈیٹ کے مقابلے اورطویل مدتی قرض فنڈز.

  • آخر میں، مختصر دورانیہ (مختصر مدت) قرض فنڈز انتہائی مائع ہوتے ہیں، مطلب یہ ہے کہ سرمایہ کاروں کو اپنے نقد تک آسان رسائی حاصل ہو سکتی ہے۔ تاہم، اس زمرے کے تحت کچھ اسکیمیں ایک ایگزٹ لوڈ چارج کرتی ہیں اگر سرمایہ کاری کو بہت کم مدت میں (زیادہ تر 1 ماہ سے 6 ماہ) میں چھڑا لیا جاتا ہے۔ لہذا، یہ ہمیشہ تجویز کیا جاتا ہے کہ بہترین مختصر دورانیے کے قرض فنڈز میں دانشمندی سے سرمایہ کاری کریں۔

    مختصر دورانیے کے ڈیبٹ فنڈز میں آن لائن سرمایہ کاری کیسے کی جائے؟

  1. Fincash.com پر لائف ٹائم کے لیے مفت انویسٹمنٹ اکاؤنٹ کھولیں۔

  2. اپنی رجسٹریشن اور KYC کا عمل مکمل کریں۔

  3. دستاویزات اپ لوڈ کریں (PAN، آدھار، وغیرہ)۔اور، آپ سرمایہ کاری کے لیے تیار ہیں!

    شروع کرنے کے

نتیجہ

سرمایہ کار اپنے انویسٹمنٹ پورٹ فولیو کو ان کے مطابق تبدیل کر سکتے ہیں۔رسک پروفائل. چونکہ بانڈ مارکیٹ گرتی ہوئی شرح سود کا فائدہ پیش کرتی ہے، کوئی بھی سرمایہ کاری کی مدت کو بڑھا کر بہتر منافع کما سکتا ہے۔ یہ وہ جگہ ہے جہاں مختصر دورانیہ (شارٹ ٹرم) ڈیبٹ فنڈز آتے ہیں۔ یہ فنڈز 2-3 سال کی مدت میں طویل مدتی منافع پیش کرنے کے لیے قرض کی منڈی میں سرمایہ کاری کرتے ہیں۔ لہذا، آج ہی بہترین مختصر دورانیے کے فنڈز میں سرمایہ کاری کریں!

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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