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

Updated on January 7, 2026 , 28572 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

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
HDFC Short Term Debt Fund Growth	₹33.0103 ↑ 0.00	₹18,412	1.1	2.4	7.6	7.7	7.8	6.93%	2Y 3M 14D	3Y 4M 24D
ICICI Prudential Short Term Fund Growth	₹62.1083 ↑ 0.01	₹23,473	1.2	2.6	7.8	7.7	8	7.06%	2Y 3M 22D	4Y 3M 11D
Axis Short Term Fund Growth	₹31.8883 ↑ 0.00	₹12,692	1.1	2.4	7.9	7.5	8.1	6.85%	2Y 5M 5D	3Y 22D
Nippon India Short Term Fund Growth	₹54.3866 ↓ -0.01	₹9,809	1	2.3	7.6	7.5	7.9	7.02%	2Y 7M 24D	3Y 3M 4D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹49.0297 ↑ 0.01	₹10,812	1.1	2.5	7.5	7.4	7.7	7.02%	2Y 9M 11D	3Y 6M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Jan 26

Research Highlights & Commentary of 5 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
Point 1	Upper mid AUM (₹18,412 Cr).	Highest AUM (₹23,473 Cr).	Lower mid AUM (₹12,692 Cr).	Bottom quartile AUM (₹9,809 Cr).	Bottom quartile AUM (₹10,812 Cr).
Point 2	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (15+ yrs).	Established history (23+ yrs).	Established history (22+ yrs).
Point 3	Rating: 3★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 7.63% (lower mid).	1Y return: 7.77% (upper mid).	1Y return: 7.87% (top quartile).	1Y return: 7.62% (bottom quartile).	1Y return: 7.54% (bottom quartile).
Point 6	1M return: 0.13% (lower mid).	1M return: 0.19% (top quartile).	1M return: 0.19% (upper mid).	1M return: 0.07% (bottom quartile).	1M return: 0.07% (bottom quartile).
Point 7	Sharpe: 1.56 (lower mid).	Sharpe: 1.72 (upper mid).	Sharpe: 1.78 (top quartile).	Sharpe: 1.53 (bottom quartile).	Sharpe: 1.49 (bottom quartile).
Point 8	Information 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 9	Yield to maturity (debt): 6.93% (bottom quartile).	Yield to maturity (debt): 7.06% (top quartile).	Yield to maturity (debt): 6.85% (bottom quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 7.02% (lower mid).
Point 10	Modified duration: 2.29 yrs (top quartile).	Modified duration: 2.31 yrs (upper mid).	Modified duration: 2.43 yrs (lower mid).	Modified duration: 2.65 yrs (bottom quartile).	Modified duration: 2.78 yrs (bottom quartile).

HDFC Short Term Debt Fund

Upper mid AUM (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.63% (lower mid).
1M return: 0.13% (lower mid).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 2.29 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹23,473 Cr).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.77% (upper mid).
1M return: 0.19% (top quartile).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.06% (top quartile).
Modified duration: 2.31 yrs (upper mid).

Axis Short Term Fund

Lower mid AUM (₹12,692 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.87% (top quartile).
1M return: 0.19% (upper mid).
Sharpe: 1.78 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 2.43 yrs (lower mid).

Nippon India Short Term Fund

Bottom quartile AUM (₹9,809 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.62% (bottom quartile).
1M return: 0.07% (bottom quartile).
Sharpe: 1.53 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.65 yrs (bottom quartile).

Aditya Birla Sun Life Short Term Opportunities Fund

Bottom quartile AUM (₹10,812 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.54% (bottom quartile).
1M return: 0.07% (bottom quartile).
Sharpe: 1.49 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.78 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 (₹18,412 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.63% (lower mid).
1M return: 0.13% (lower mid).
Sharpe: 1.56 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.93% (bottom quartile).
Modified duration: 2.29 yrs (top quartile).
Average maturity: 3.40 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~2.8%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (09 Jan 26)	₹33.0103 ↑ 0.00 (0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,386
31 Dec 22	₹10,753
31 Dec 23	₹11,521
31 Dec 24	₹12,476
31 Dec 25	₹13,452

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 9 Jan 26

Duration	Returns
1 Month	0.1%
3 Month	1.1%
6 Month	2.4%
1 Year	7.6%
3 Year	7.7%
5 Year	6%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	8.3%
2022	7.1%
2021	3.5%
2020	3.9%
2019	11%
2018	9.7%
2017	7%
2016	6.5%
2015	9.3%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
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).
Oldest track record among peers (24 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.77% (upper mid).
1M return: 0.19% (top quartile).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (upper mid).
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).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~85%).
High-quality debt (AAA/AA ~80%).
Largest holding LIC Housing Finance Ltd (~3.2%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (09 Jan 26)	₹62.1083 ↑ 0.01 (0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,388
31 Dec 22	₹10,872
31 Dec 23	₹11,676
31 Dec 24	₹12,590
31 Dec 25	₹13,594

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 9 Jan 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.6%
1 Year	7.8%
3 Year	7.7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
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

Lower mid AUM (₹12,692 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.87% (top quartile).
1M return: 0.19% (upper mid).
Sharpe: 1.78 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.85% (bottom quartile).
Modified duration: 2.43 yrs (lower mid).
Average maturity: 3.06 yrs (top quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.28% Govt Stock 2032 (~3.3%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (09 Jan 26)	₹31.8883 ↑ 0.00 (0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,348
31 Dec 22	₹10,730
31 Dec 23	₹11,459
31 Dec 24	₹12,376
31 Dec 25	₹13,373

Axis Short Term 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 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 9 Jan 26

Duration	Returns
1 Month	0.2%
3 Month	1.1%
6 Month	2.4%
1 Year	7.9%
3 Year	7.5%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
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★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.62% (bottom quartile).
1M return: 0.07% (bottom quartile).
Sharpe: 1.53 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.65 yrs (bottom quartile).
Average maturity: 3.26 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~92%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.32% Govt Stock 2030 (~5.0%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (09 Jan 26)	₹54.3866 ↓ -0.01 (-0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,442
31 Dec 22	₹10,776
31 Dec 23	₹11,511
31 Dec 24	₹12,430
31 Dec 25	₹13,409

Nippon India Short Term 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 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 9 Jan 26

Duration	Returns
1 Month	0.1%
3 Month	1%
6 Month	2.3%
1 Year	7.6%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	8%
2022	6.8%
2021	3.2%
2020	4.4%
2019	9.5%
2018	9.4%
2017	5.5%
2016	5.7%
2015	9.8%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
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

Bottom quartile AUM (₹10,812 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderate.
1Y return: 7.54% (bottom quartile).
1M return: 0.07% (bottom quartile).
Sharpe: 1.49 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.02% (lower mid).
Modified duration: 2.78 yrs (bottom quartile).
Average maturity: 3.52 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 (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding Bharti Telecom Limited (~4.7%).

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 (09 Jan 26)	₹49.0297 ↑ 0.01 (0.01 %)
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
31 Dec 20	₹10,000
31 Dec 21	₹10,384
31 Dec 22	₹10,819
31 Dec 23	₹11,562
31 Dec 24	₹12,479
31 Dec 25	₹13,445

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 9 Jan 26

Duration	Returns
1 Month	0.1%
3 Month	1.1%
6 Month	2.5%
1 Year	7.5%
3 Year	7.4%
5 Year	6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.9%
2022	6.9%
2021	4.2%
2020	3.8%
2019	11.1%
2018	8.5%
2017	6.5%
2016	5.6%
2015	11.3%

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

Name	Since	Tenure
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

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؟

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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۔

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

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

Research Highlights & Commentary of 5 Funds showcased

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

1. HDFC Short Term Debt Fund

Growth of 10,000 investment over the years.

HDFC Short Term Debt Fund SIP Returns

Returns for HDFC Short Term Debt Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for HDFC Short Term Debt Fund

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

Asset Allocation

Debt Sector Allocation

Credit Quality

Top Securities Holdings / Portfolio

2. ICICI Prudential Short Term Fund

Growth of 10,000 investment over the years.

ICICI Prudential Short Term Fund SIP Returns

Returns for ICICI Prudential Short Term Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for ICICI Prudential Short Term Fund

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

Asset Allocation

Debt Sector Allocation

Credit Quality

Top Securities Holdings / Portfolio

3. Axis Short Term Fund

Growth of 10,000 investment over the years.

Axis Short Term Fund SIP Returns

Returns for Axis Short Term Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for Axis Short Term Fund

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

Asset Allocation

Debt Sector Allocation

Credit Quality

Top Securities Holdings / Portfolio

4. Nippon India Short Term Fund

Growth of 10,000 investment over the years.

Nippon India Short Term Fund SIP Returns

Returns for Nippon India Short Term Fund

Historical performance (Yearly) on absolute basis

Fund Manager information for Nippon India Short Term Fund

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

Asset Allocation

Debt Sector Allocation

Credit Quality

Top Securities Holdings / Portfolio

5. Aditya Birla Sun Life Short Term Opportunities Fund

Growth of 10,000 investment over the years.

Aditya Birla Sun Life Short Term Opportunities Fund SIP Returns

Returns for Aditya Birla Sun Life Short Term Opportunities Fund

Historical performance (Yearly) on absolute basis

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

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

Asset Allocation

Debt Sector Allocation

Credit Quality

Top Securities Holdings / Portfolio

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

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

نتیجہ