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

Updated on November 4, 2026 , 29859 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 (%)2025 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Short Term Fund Growth ₹33.2337
↓ -0.01
₹7,4250.72.84.87.28.17.77%2Y 4D2Y 6M 14D
Bandhan Bond Fund Short Term Plan Growth ₹61.424
↑ 0.00
₹8,6800.735.27.17.57.17%1Y 18D1Y 2M 19D
HDFC Short Term Debt Fund Growth ₹34.2917
↓ -0.01
₹14,2190.42.64.57.17.87.9%2Y 3M2Y 10M 28D
ICICI Prudential Short Term Fund Growth ₹64.6898
↓ -0.01
₹18,8900.52.74.9788.06%2Y 8M 19D4Y 7M 20D
Nippon India Short Term Fund Growth ₹56.4993
↓ -0.01
₹6,3640.42.64.377.90.08%2Y 1M 20D2Y 6M 14D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryAxis Short Term FundBandhan Bond Fund Short Term PlanHDFC Short Term Debt FundICICI Prudential Short Term FundNippon India Short Term Fund
Point 1Bottom quartile AUM (₹7,425 Cr).Lower mid AUM (₹8,680 Cr).Upper mid AUM (₹14,219 Cr).Highest AUM (₹18,890 Cr).Bottom quartile AUM (₹6,364 Cr).
Point 2Established history (16+ yrs).Oldest track record among peers (25 yrs).Established history (16+ yrs).Established history (25+ yrs).Established history (23+ yrs).
Point 3Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Rating: 3★ (bottom quartile).Top rated.Rating: 4★ (upper mid).
Point 4Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Moderately Low.
Point 51Y return: 4.80% (lower mid).1Y return: 5.17% (top quartile).1Y return: 4.46% (bottom quartile).1Y return: 4.91% (upper mid).1Y return: 4.32% (bottom quartile).
Point 61M return: 0.48% (top quartile).1M return: 0.28% (bottom quartile).1M return: 0.34% (bottom quartile).1M return: 0.40% (upper mid).1M return: 0.36% (lower mid).
Point 7Sharpe: -0.21 (lower mid).Sharpe: 0.07 (top quartile).Sharpe: -0.27 (bottom quartile).Sharpe: -0.11 (upper mid).Sharpe: -0.32 (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): 7.77% (lower mid).Yield to maturity (debt): 7.17% (bottom quartile).Yield to maturity (debt): 7.90% (upper mid).Yield to maturity (debt): 8.06% (top quartile).Yield to maturity (debt): 0.08% (bottom quartile).
Point 10Modified duration: 2.01 yrs (upper mid).Modified duration: 1.05 yrs (top quartile).Modified duration: 2.25 yrs (bottom quartile).Modified duration: 2.72 yrs (bottom quartile).Modified duration: 2.14 yrs (lower mid).

Axis Short Term Fund

  • Bottom quartile AUM (₹7,425 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.80% (lower mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: -0.21 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.77% (lower mid).
  • Modified duration: 2.01 yrs (upper mid).

Bandhan Bond Fund Short Term Plan

  • Lower mid AUM (₹8,680 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.17% (top quartile).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 0.07 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.17% (bottom quartile).
  • Modified duration: 1.05 yrs (top quartile).

HDFC Short Term Debt Fund

  • Upper mid AUM (₹14,219 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.46% (bottom quartile).
  • 1M return: 0.34% (bottom quartile).
  • Sharpe: -0.27 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.90% (upper mid).
  • Modified duration: 2.25 yrs (bottom quartile).

ICICI Prudential Short Term Fund

  • Highest AUM (₹18,890 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 4.91% (upper mid).
  • 1M return: 0.40% (upper mid).
  • Sharpe: -0.11 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.06% (top quartile).
  • Modified duration: 2.72 yrs (bottom quartile).

Nippon India Short Term Fund

  • Bottom quartile AUM (₹6,364 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.32% (bottom quartile).
  • 1M return: 0.36% (lower mid).
  • Sharpe: -0.32 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 0.08% (bottom quartile).
  • Modified duration: 2.14 yrs (lower mid).
*فنڈز کی بنیاد پر فہرست بنائیںاثاثے>= 100 کروڑ اور ترتیب دیا گیا3 سالسی اے جی آر واپسی.

1. 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

  • Bottom quartile AUM (₹7,425 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.80% (lower mid).
  • 1M return: 0.48% (top quartile).
  • Sharpe: -0.21 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.77% (lower mid).
  • Modified duration: 2.01 yrs (upper mid).
  • Average maturity: 2.54 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 (06 Nov 26) ₹33.2337 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹7,425 on 30 Sep 26
Category Debt - Short term Bond
AMC Axis Asset Management Company Limited
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.91
Sharpe Ratio -0.21
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.77%
Effective Maturity 2 Years 6 Months 14 Days
Modified Duration 2 Years 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 21₹10,000
31 Oct 22₹10,306
31 Oct 23₹10,976
31 Oct 24₹11,882
31 Oct 25₹12,901
31 Oct 26₹13,451

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 6 Nov 26

DurationReturns
1 Month 0.5%
3 Month 0.7%
6 Month 2.8%
1 Year 4.8%
3 Year 7.2%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2025 8.1%
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%
Fund Manager information for Axis Short Term Fund
NameSinceTenure
Devang Shah5 Nov 1213.91 Yr.
Aditya Pagaria3 Jul 233.25 Yr.

Data below for Axis Short Term Fund as on 30 Sep 26

Asset Allocation
Asset ClassValue
Cash17.91%
Debt81.6%
Other0.49%
Debt Sector Allocation
SectorValue
Corporate66.89%
Government17.08%
Cash Equivalent15.54%
Credit Quality
RatingValue
AA15.94%
AAA84.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Nuclear Power Corporation Of India Limited
Debentures | -
4%₹299 Cr30,000
Bajaj Housing Finance Limited
Debentures | -
3%₹229 Cr23,870
↑ 11,370
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
3%₹202 Cr213
Small Industries Development Bank Of India
Debentures | -
3%₹196 Cr20,000
Power Finance Corporation Limited
Debentures | -
3%₹195 Cr20,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹178 Cr17,900
Indigrid Infrastructure Trust
Debentures | -
2%₹140 Cr14,000
Jubilant Beverages Limited
Debentures | -
2%₹121 Cr10,750
Rec Limited
Debentures | -
2%₹121 Cr12,500
↑ 12,500
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹120 Cr12,500

2. 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 (₹8,680 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 5.17% (top quartile).
  • 1M return: 0.28% (bottom quartile).
  • Sharpe: 0.07 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.17% (bottom quartile).
  • Modified duration: 1.05 yrs (top quartile).
  • Average maturity: 1.22 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 (06 Nov 26) ₹61.424 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹8,680 on 30 Sep 26
Category Debt - Short term Bond
AMC IDFC Asset Management Company Limited
Rating ☆☆
Risk Moderately Low
Expense Ratio 0.82
Sharpe Ratio 0.07
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.17%
Effective Maturity 1 Year 2 Months 19 Days
Modified Duration 1 Year 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 21₹10,000
31 Oct 22₹10,201
31 Oct 23₹10,876
31 Oct 24₹11,795
31 Oct 25₹12,727
31 Oct 26₹13,365

Bandhan Bond Fund Short Term Plan 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 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 6 Nov 26

DurationReturns
1 Month 0.3%
3 Month 0.7%
6 Month 3%
1 Year 5.2%
3 Year 7.1%
5 Year 6%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.5%
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%
Fund Manager information for Bandhan Bond Fund Short Term Plan
NameSinceTenure
Suyash Choudhary11 Mar 1115.57 Yr.
Brijesh Shah10 Jun 242.31 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 30 Sep 26

Asset Allocation
Asset ClassValue
Cash44.33%
Debt55.31%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate69.73%
Cash Equivalent16.5%
Government13.4%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank of India
Debentures | -
5%₹403 Cr43,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹371 Cr37,500,000
↓ -2,500,000
Bajaj Finance Limited
Debentures | -
3%₹269 Cr27,500,000
Tata Capital Housing Finance Limited
Debentures | -
3%₹249 Cr25,000,000
Tata Capital Limited
Debentures | -
2%₹198 Cr20,000,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹198 Cr20,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹197 Cr20,000,000
Rec Limited
Debentures | -
2%₹187 Cr18,500,000
LIC Housing Finance Ltd
Debentures | -
2%₹169 Cr17,000,000
Small Industries Development Bank of India
Debentures | -
2%₹164 Cr17,500,000

3. 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 (₹14,219 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 4.46% (bottom quartile).
  • 1M return: 0.34% (bottom quartile).
  • Sharpe: -0.27 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 7.90% (upper mid).
  • Modified duration: 2.25 yrs (bottom quartile).
  • Average maturity: 2.91 yrs (bottom quartile).
  • 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 (06 Nov 26) ₹34.2917 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹14,219 on 30 Sep 26
Category Debt - Short term Bond
AMC HDFC Asset Management Company Limited
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.71
Sharpe Ratio -0.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 7.9%
Effective Maturity 2 Years 10 Months 28 Days
Modified Duration 2 Years 3 Months

Growth of 10,000 investment over the years.

DateValue
31 Oct 21₹10,000
31 Oct 22₹10,287
31 Oct 23₹11,005
31 Oct 24₹11,954
31 Oct 25₹12,935
31 Oct 26₹13,442

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 6 Nov 26

DurationReturns
1 Month 0.3%
3 Month 0.4%
6 Month 2.6%
1 Year 4.5%
3 Year 7.1%
5 Year 6.2%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.8%
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%
Fund Manager information for HDFC Short Term Debt Fund
NameSinceTenure
Anil Bamboli25 Jun 1016.28 Yr.
Dhruv Muchhal22 Jun 233.28 Yr.

Data below for HDFC Short Term Debt Fund as on 30 Sep 26

Asset Allocation
Asset ClassValue
Cash6.42%
Debt93.2%
Other0.37%
Debt Sector Allocation
SectorValue
Corporate74.17%
Government19.02%
Cash Equivalent5.38%
Securitized1.06%
Credit Quality
RatingValue
AA15.68%
AAA84.32%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Jubilant Beverages Limited
Debentures | -
3%₹432 Cr38,500
Jtpm Metal TRaders Limited
Debentures | -
3%₹388 Cr36,000
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹349 Cr35,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
2%₹333 Cr350
National Bank For Agriculture And Rural Development
Debentures | -
2%₹314 Cr31,670
Aditya Birla Renewables Limited
Debentures | -
2%₹310 Cr31,000
Pipeline Infrastructure Limited
Debentures | -
2%₹245 Cr24,500
TATA Communications Limited
Debentures | -
2%₹244 Cr25,000
Ultratech Cement Limited
Debentures | -
2%₹237 Cr24,000
Bajaj Housing Finance Limited
Debentures | -
2%₹222 Cr22,500

4. 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 (₹18,890 Cr).
  • Established history (25+ yrs).
  • Top rated.
  • Risk profile: Moderate.
  • 1Y return: 4.91% (upper mid).
  • 1M return: 0.40% (upper mid).
  • Sharpe: -0.11 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 8.06% (top quartile).
  • Modified duration: 2.72 yrs (bottom quartile).
  • Average maturity: 4.64 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 (06 Nov 26) ₹64.6898 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹18,890 on 30 Sep 26
Category Debt - Short term Bond
AMC ICICI Prudential Asset Management Company Limited
Rating ☆☆☆☆
Risk Moderate
Expense Ratio 1.05
Sharpe Ratio -0.11
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 8.06%
Effective Maturity 4 Years 7 Months 20 Days
Modified Duration 2 Years 8 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 21₹10,000
31 Oct 22₹10,397
31 Oct 23₹11,138
31 Oct 24₹12,037
31 Oct 25₹13,023
31 Oct 26₹13,577

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 6 Nov 26

DurationReturns
1 Month 0.4%
3 Month 0.5%
6 Month 2.7%
1 Year 4.9%
3 Year 7%
5 Year 6.5%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2025 8%
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%
Fund Manager information for ICICI Prudential Short Term Fund
NameSinceTenure
Manish Banthia19 Nov 0916.88 Yr.
Nikhil Kabra29 Dec 205.76 Yr.

Data below for ICICI Prudential Short Term Fund as on 30 Sep 26

Asset Allocation
Asset ClassValue
Debt103.33%
Other0.34%
Debt Sector Allocation
SectorValue
Corporate67.96%
Government34.84%
Securitized0.54%
Credit Quality
RatingValue
AA21.54%
AAA78.46%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
5%₹939 Cr94,500
LIC Housing Finance Ltd
Debentures | -
4%₹747 Cr75,000
Vedanta Limited
Debentures | -
3%₹589 Cr58,500
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹571 Cr600
National Bank For Agriculture And Rural Development
Debentures | -
3%₹531 Cr53,500
SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -
2%₹452 Cr475
Small Industries Development Bank Of India
Debentures | -
2%₹437 Cr44,700
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹299 Cr30,000
Summit Digitel Infrastructure Limited
Debentures | -
2%₹281 Cr28,300
Small Industries Development Bank Of India
Debentures | -
1%₹268 Cr27,000

5. 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 (₹6,364 Cr).
  • Established history (23+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 4.32% (bottom quartile).
  • 1M return: 0.36% (lower mid).
  • Sharpe: -0.32 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 0.08% (bottom quartile).
  • Modified duration: 2.14 yrs (lower mid).
  • Average maturity: 2.54 yrs (lower 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 (06 Nov 26) ₹56.4993 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹6,364 on 30 Sep 26
Category Debt - Short term Bond
AMC Nippon Life Asset Management Ltd.
Rating ☆☆☆☆
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio -0.32
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 0.08%
Effective Maturity 2 Years 6 Months 14 Days
Modified Duration 2 Years 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 21₹10,000
31 Oct 22₹10,259
31 Oct 23₹10,937
31 Oct 24₹11,841
31 Oct 25₹12,841
31 Oct 26₹13,330

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 6 Nov 26

DurationReturns
1 Month 0.4%
3 Month 0.4%
6 Month 2.6%
1 Year 4.3%
3 Year 7%
5 Year 6.1%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2025 7.9%
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%
Fund Manager information for Nippon India Short Term Fund
NameSinceTenure
Vivek Sharma1 Feb 206.67 Yr.
Kinjal Desai25 May 188.36 Yr.
Sushil Budhia31 Mar 215.51 Yr.
Amber Singhania11 Mar 260.56 Yr.

Data below for Nippon India Short Term Fund as on 30 Sep 26

Asset Allocation
Asset ClassValue
Cash7.8%
Debt91.77%
Other0.44%
Debt Sector Allocation
SectorValue
Corporate69.02%
Government25.44%
Cash Equivalent5.1%
Credit Quality
RatingValue
AA16.29%
AAA83.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Finance Corporation Limited
Debentures | -
4%₹235 Cr24,000
SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -
3%₹213 Cr225
8.97% Govt Stock 2030
Sovereign Bonds | -
2%₹159 Cr15,000,000
Knowledge Realty TRust
Debentures | -
2%₹158 Cr16,000
GMR Hyderabad International Airport Ltd
Debentures | -
2%₹151 Cr15,000
Small Industries Development Bank Of India
Debentures | -
2%₹150 Cr15,000
Export Import Bank Of India
Debentures | -
2%₹149 Cr15,000
Rural Electrification Corporation Limited
Debentures | -
2%₹131 Cr1,300
8.37% Madhyapradesh Sdl 2028
Sovereign Bonds | -
2%₹128 Cr12,500,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹115 Cr1,200

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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