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

Updated on September 25, 2025 , 28326 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	₹32.5106 ↑ 0.01	₹17,999	1.2	4.2	8	7.8	8.3	6.94%	2Y 3M 7D	3Y 5M 12D
ICICI Prudential Short Term Fund Growth	₹61.1354 ↑ 0.01	₹22,339	1.4	4.2	8.1	7.8	7.8	7.27%	2Y 7M 10D	4Y 10M 20D
Axis Short Term Fund Growth	₹31.4291 ↑ 0.00	₹12,129	1.3	4.4	8.3	7.7	8	6.89%	2Y 5M 23D	3Y 2M 12D
Nippon India Short Term Fund Growth	₹53.6262 ↑ 0.02	₹8,935	1.2	4.3	8.2	7.7	8	7.04%	2Y 6M 18D	3Y 2M 19D
Bandhan Bond Fund Short Term Plan Growth	₹57.923 ↑ 0.00	₹10,782	1	3.9	7.7	7.6	7.8	6.6%	2Y 10M 24D	3Y 7M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Sep 25

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	Bandhan Bond Fund Short Term Plan
Point 1	Upper mid AUM (₹17,999 Cr).	Highest AUM (₹22,339 Cr).	Lower mid AUM (₹12,129 Cr).	Bottom quartile AUM (₹8,935 Cr).	Bottom quartile AUM (₹10,782 Cr).
Point 2	Established history (15+ yrs).	Established history (23+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.97% (bottom quartile).	1Y return: 8.09% (lower mid).	1Y return: 8.34% (top quartile).	1Y return: 8.17% (upper mid).	1Y return: 7.68% (bottom quartile).
Point 6	1M return: 0.62% (bottom quartile).	1M return: 0.69% (upper mid).	1M return: 0.69% (lower mid).	1M return: 0.67% (bottom quartile).	1M return: 0.79% (top quartile).
Point 7	Sharpe: 1.33 (lower mid).	Sharpe: 1.43 (upper mid).	Sharpe: 1.56 (top quartile).	Sharpe: 1.26 (bottom quartile).	Sharpe: 0.86 (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): 6.94% (lower mid).	Yield to maturity (debt): 7.27% (top quartile).	Yield to maturity (debt): 6.89% (bottom quartile).	Yield to maturity (debt): 7.04% (upper mid).	Yield to maturity (debt): 6.60% (bottom quartile).
Point 10	Modified duration: 2.27 yrs (top quartile).	Modified duration: 2.61 yrs (bottom quartile).	Modified duration: 2.48 yrs (upper mid).	Modified duration: 2.55 yrs (lower mid).	Modified duration: 2.90 yrs (bottom quartile).

HDFC Short Term Debt Fund

Upper mid AUM (₹17,999 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.97% (bottom quartile).
1M return: 0.62% (bottom quartile).
Sharpe: 1.33 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 2.27 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹22,339 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.09% (lower mid).
1M return: 0.69% (upper mid).
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).

Axis Short Term Fund

Lower mid AUM (₹12,129 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.34% (top quartile).
1M return: 0.69% (lower mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.89% (bottom quartile).
Modified duration: 2.48 yrs (upper mid).

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: 8.17% (upper mid).
1M return: 0.67% (bottom quartile).
Sharpe: 1.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.04% (upper mid).
Modified duration: 2.55 yrs (lower mid).

Bandhan Bond Fund Short Term Plan

Bottom quartile AUM (₹10,782 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.68% (bottom quartile).
1M return: 0.79% (top quartile).
Sharpe: 0.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 2.90 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★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.97% (bottom quartile).
1M return: 0.62% (bottom quartile).
Sharpe: 1.33 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 2.27 yrs (top quartile).
Average maturity: 3.45 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~4.7%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (26 Sep 25)	₹32.5106 ↑ 0.01 (0.03 %)
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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,600
31 Aug 22	₹10,900
31 Aug 23	₹11,630
31 Aug 24	₹12,550
31 Aug 25	₹13,583

HDFC Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	0.6%
3 Month	1.2%
6 Month	4.2%
1 Year	8%
3 Year	7.8%
5 Year	6.3%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.2 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

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

Asset Allocation

Asset Class	Value
Cash	11.3%
Debt	88.44%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	64.34%
Government	29.44%
Cash Equivalent	5.96%

Credit Quality

Rating	Value
AA	11.55%
AAA	88.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹857 Cr	82,500,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹441 Cr	43,500
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹420 Cr	41,500,000
Jubilant Beverages Limited Debentures \| -	2%	₹398 Cr	38,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹361 Cr	34,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹333 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹257 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹255 Cr	25,000
Pipeline Infrastructure Limited Debentures \| -	1%	₹254 Cr	24,500
TATA Communications Limited Debentures \| -	1%	₹250 Cr	25,000 ↑ 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 (₹22,339 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.09% (lower mid).
1M return: 0.69% (upper mid).
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).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.81% Govt Stock 2033 (~5.2%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (26 Sep 25)	₹61.1354 ↑ 0.01 (0.02 %)
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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,597
31 Aug 22	₹10,986
31 Aug 23	₹11,777
31 Aug 24	₹12,675
31 Aug 25	₹13,707

ICICI Prudential Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	1.4%
6 Month	4.2%
1 Year	8.1%
3 Year	7.8%
5 Year	6.5%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	15.79 Yr.
Nikhil Kabra	29 Dec 20	4.68 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.19%
Debt	94.54%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.78%
Government	30.62%
Cash Equivalent	4.32%

Credit Quality

Rating	Value
AA	19.36%
AAA	80.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	5%	₹1,157 Cr	111,312,240
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹839 Cr	82,160,010 ↑ 45,314,000
LIC Housing Finance Ltd Debentures \| -	3%	₹762 Cr	75,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹710 Cr	69,574,740
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹514 Cr	50,500
Vedanta Limited Debentures \| -	2%	₹512 Cr	51,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹454 Cr	45,000 ↓ -10,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹403 Cr	38,858,430
Small Industries Development Bank Of India Debentures \| -	2%	₹374 Cr	37,000
Small Industries Development Bank Of India Debentures \| -	2%	₹368 Cr	36,500

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 (₹12,129 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.34% (top quartile).
1M return: 0.69% (lower mid).
Sharpe: 1.56 (top quartile).
Information ratio: 0.00 (lower mid).
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 (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.28% Goi 2032 (14-Jul-2032) (~2.7%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (26 Sep 25)	₹31.4291 ↑ 0.00 (0.01 %)
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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,530
31 Aug 22	₹10,846
31 Aug 23	₹11,526
31 Aug 24	₹12,394
31 Aug 25	₹13,452

Axis Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	1.3%
6 Month	4.4%
1 Year	8.3%
3 Year	7.7%
5 Year	6.2%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.83 Yr.
Aditya Pagaria	3 Jul 23	2.17 Yr.

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

Asset Allocation

Asset Class	Value
Cash	18.3%
Debt	81.44%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	69.12%
Government	20.8%
Cash Equivalent	9.82%

Credit Quality

Rating	Value
AA	12.65%
AAA	87.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.28% Goi 2032 (14-Jul-2032) Sovereign Bonds \| -	3%	₹325 Cr	32,737,200 ↑ 32,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹299 Cr	30,000
Rec Limited Debentures \| -	2%	₹233 Cr	22,954 ↓ -400
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹216 Cr	21,126,700 ↑ 8,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹214 Cr	21,000 ↓ -5,000
6.79% Govt Stock 2031 Sovereign Bonds \| -	2%	₹194 Cr	19,000,000 ↑ 9,000,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹193 Cr	19,000
Tata Capital Limited Debentures \| -	1%	₹177 Cr	1,750
Small Industries Development Bank Of India Debentures \| -	1%	₹156 Cr	15,500 ↓ -2,000
Small Industries Development Bank Of India Debentures \| -	1%	₹153 Cr	15,000

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 (₹8,935 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.17% (upper mid).
1M return: 0.67% (bottom quartile).
Sharpe: 1.26 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.04% (upper 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 (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.32% Govt Stock 2030 (~5.6%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (26 Sep 25)	₹53.6262 ↑ 0.02 (0.03 %)
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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,639
31 Aug 22	₹10,923
31 Aug 23	₹11,599
31 Aug 24	₹12,474
31 Aug 25	₹13,515

Nippon India Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	0.7%
3 Month	1.2%
6 Month	4.3%
1 Year	8.2%
3 Year	7.7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.59 Yr.
Kinjal Desai	25 May 18	7.28 Yr.
Sushil Budhia	31 Mar 21	4.42 Yr.

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

Asset Allocation

Asset Class	Value
Cash	6.92%
Debt	92.82%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	57.61%
Government	37.93%
Cash Equivalent	4.2%

Credit Quality

Rating	Value
AA	11.69%
AAA	88.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	6%	₹503 Cr	48,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	5%	₹483 Cr	46,500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	5%	₹413 Cr	40,000,000 ↑ 10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹224 Cr	22,000
7.17 Madhya Pradesh SDL 2031 Sovereign Bonds \| -	2%	₹209 Cr	20,500,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
Axis Bank Ltd. Debentures \| -	2%	₹188 Cr	4,000 ↑ 4,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹175 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹170 Cr	16,500
Small Industries Development Bank Of India Debentures \| -	2%	₹170 Cr	16,500

5. 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

Bottom quartile AUM (₹10,782 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.68% (bottom quartile).
1M return: 0.79% (top quartile).
Sharpe: 0.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 2.90 yrs (bottom quartile).
Average maturity: 3.65 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.02% Govt Stock 2031 (~30.9%).
Top-3 holdings concentration ~40.1%.

Below is the key information for Bandhan Bond Fund Short Term Plan

Bandhan Bond Fund Short Term Plan Growth
Launch Date	14 Dec 00
NAV (26 Sep 25)	₹57.923 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹10,782 on 31 Aug 25
Category	Debt - Short term Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.86
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.6%
Effective Maturity	3 Years 7 Months 24 Days
Modified Duration	2 Years 10 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,476
31 Aug 22	₹10,714
31 Aug 23	₹11,356
31 Aug 24	₹12,235
31 Aug 25	₹13,197

Bandhan Bond Fund Short Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Bandhan Bond Fund Short Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Sep 25

Duration	Returns
1 Month	0.8%
3 Month	1%
6 Month	3.9%
1 Year	7.7%
3 Year	7.6%
5 Year	5.8%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Bandhan Bond Fund Short Term Plan

Name	Since	Tenure
Suyash Choudhary	11 Mar 11	14.49 Yr.
Brijesh Shah	10 Jun 24	1.23 Yr.

Data below for Bandhan Bond Fund Short Term Plan as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	17.95%
Debt	81.78%
Other	0.28%

Debt Sector Allocation

Sector	Value
Government	58.44%
Corporate	33.2%
Cash Equivalent	8.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	31%	₹3,360 Cr	325,600,000 ↑ 66,800,000
06.83 Tn SDL 2031 15 Dec Sovereign Bonds \| -	5%	₹502 Cr	50,000,000
6.1% Govt Stock 2031 Sovereign Bonds \| -	5%	₹493 Cr	50,000,000 ↓ -10,000,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹482 Cr	47,500,000
Tata Capital Limited Debentures \| -	4%	₹445 Cr	44,100,000
Bajaj Finance Limited Debentures \| -	3%	₹276 Cr	27,500,000
LIC Housing Finance Ltd Debentures \| -	3%	₹275 Cr	27,000,000
Bajaj Finance Limited Debentures \| -	2%	₹266 Cr	26,500,000
Tata Capital Housing Finance Limited Debentures \| -	2%	₹254 Cr	25,000,000
06.88 GJ Sdl 2031 Sovereign Bonds \| -	2%	₹252 Cr	25,000,000

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

Bandhan Bond Fund Short Term Plan

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 31 Aug 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 Sep 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 31 Aug 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 31 Aug 25

Asset Allocation

Debt Sector Allocation

Credit Quality

Top Securities Holdings / Portfolio

5. Bandhan Bond Fund Short Term Plan

Growth of 10,000 investment over the years.

Bandhan Bond Fund Short Term Plan SIP Returns

Returns for Bandhan Bond Fund Short Term Plan

Historical performance (Yearly) on absolute basis

Fund Manager information for Bandhan Bond Fund Short Term Plan

Data below for Bandhan Bond Fund Short Term Plan as on 31 Aug 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