+91-22-48913909SWP کیلکولیٹر -- منظم واپسی پلان کیلکولیٹر
SWP کیلکولیٹر ایک ایسا ٹول ہے جو افراد کو یہ حساب لگانے میں مدد کرتا ہے کہ ان کی SWP کی سرمایہ کاری مدت کے دوران کیسی ہوگی۔ SWP یا منظم واپسی کا منصوبہ یونٹس کو چھڑانے یا اس میں سرمایہ کاری کرنے کی ایک تکنیک ہے۔باہمی چندہ. SWP میں، افراد اپنی رقم میوچل فنڈ اسکیم میں لگاتے ہیں اور پھر ایک مقررہ مدت میں اپنی سرمایہ کاری واپس لے لیتے ہیں۔ SWP عام طور پر ان افراد کے لیے موزوں ہے جو فکسڈ کی تلاش میں ہیں۔آمدنی باقاعدہ مدت کے دوران۔ مضمون آپ کو نظامی واپسی کے منصوبے کے تصور، SWP کیلکولیٹر کیسے کام کرتا ہے، اور دیگر متعلقہ پیرامیٹرز کے بارے میں ایک جامع تفہیم فراہم کرتا ہے۔
میوچل فنڈ میں SWP کا کیا مطلب ہے؟
میوچل فنڈز میں نظامی واپسی کا منصوبہ یا SWP سے مراد میوچل فنڈ کی سرمایہ کاری کی اکائیوں کو چھڑانے کا ایک منظم اور منصوبہ بند عمل ہے۔ SWP کا تصور اس کے الٹ انداز میں کام کرتا ہے۔گھونٹ. SWP میں، افراد میوچل فنڈ اسکیموں میں یکمشت رقم کی سرمایہ کاری کرتے ہیں جو عام طور پر کم خطرے کی بھوک رکھتے ہیں، جیسےمائع فنڈز یا الٹرامختصر مدت کے فنڈز. اس کے بعد افراد وقفے وقفے سے سرمایہ کاری کی رقم نکالنا شروع کر دیتے ہیں۔ افراد اپنی ضروریات کی بنیاد پر اپنی واپسی کی تعدد کو حسب ضرورت بنا سکتے ہیں جیسے کہ ماہانہ، سہ ماہی، سالانہ، وغیرہ۔ اس صورت میں، میوچل فنڈز میں لگائی گئی رقم سے افراد کو بھی آمدنی ہوتی ہے۔ افراد، خاص طور پر ریٹائرڈ افراد، جو آمدنی کا باقاعدہ ذریعہ تلاش کر رہے ہیں، اس کے ذریعے نظامی واپسی کے منصوبے کا انتخاب کر سکتے ہیں۔میوچل فنڈز میں سرمایہ کاری.
SWP میوچل فنڈ کیلکولیٹر
SWP کیلکولیٹر افراد کو دی گئی مدت کے دوران میوچل فنڈ کی سرمایہ کاری میں ان کی واپسی کا اندازہ لگانے میں مدد کرتا ہے۔ SWP کیلکولیٹر میں داخل کرنے کے لیے درکار ان پٹ ڈیٹا میں شامل ہیں:
- SWP/نکالنے کی رقم - اس سے مراد نکلوانے کی مقررہ رقم ہے جسے آپ باقاعدہ وقفوں پر نکالنے کا ارادہ کر رہے ہیں۔
- ابتدائی سرمایہ کاری - ابتدائی سرمایہ کاری سے مراد وہ یکمشت رقم ہے جسے آپ میوچل فنڈ اسکیم میں لگانا چاہتے ہیں۔
- واپسی کی تعدد - واپسی کی فریکوئنسی، اس ٹائم فریم سے مراد ہے جس پر آپ اپنی سرمایہ کاری واپس لینا چاہیں گے۔ یہ یا تو ماہانہ، ہفتہ وار یا سہ ماہی ہو سکتا ہے۔ عام طور پر حساب ماہانہ کے لیے کیا جاتا ہے۔
- واپسی کی متوقع شرح - اس کا مطلب ہے وہ منافع جس کی آپ اپنی سرمایہ کاری پر توقع کر رہے ہیں۔
لہذا، آئیے ایک مثال کے ساتھ SWP کیلکولیٹر کے تصور کو تفصیل سے سمجھیں۔
نمونہ کی مثال
- ابتدائی سرمایہ کاری کی رقم - INR 1.20،000
- SWP رقم - INR 10,000
- واپسی کی مدت - 12 ماہ
- واپسی کی متوقع شرح - 7%
SWP جدول کا حساب کتاب ذیل میں دیا گیا ہے۔
| مہینہ | مہینے کے شروع میں بیلنس (INR) | رہائی رقم (INR) | حاصل کردہ سود (INR) | مہینے کے آخر میں بیلنس (INR) |
|---|---|---|---|---|
| 1 | 1,20,000 | 10,000 | 642 | 1,10,642 |
| 2 | 1,10,642 | 10,000 | 587 | 1,01,229 |
| 3 | 1,01,229 | 10,000 | 532 | 91,761 |
| 4 | 91,761 | 10,000 | 477 | 82,238 |
| 5 | 82,238 | 10,000 | 421 | 72,659 |
| 6 | 72,659 | 10,000 | 366 | 63,025 |
| 7 | 63,025 | 10,000 | 309 | 53,334 |
| 8 | 53,334 | 10,000 | 253 | 43,587 |
| 9 | 43,587 | 10,000 | 196 | 33,783 |
| 10 | 33,783 | 10,000 | 139 | 23,921 |
| 11 | 23,921 | 10,000 | 81 | 14,003 |
| 12 | 14,003 | 10,000 | 23 | 4,026 |
اس طرح، مندرجہ بالا جدول سے، یہ کہا جا سکتا ہے کہ SWP ٹرانزیکشن کے ذریعے میوچل فنڈ سکیم کا کمایا ہوا منافع INR 4,026 ہے۔
VALUE AT END OF TENOR:₹4,597SWP Calculator
منظم واپسی کے منصوبے کے فوائد
SWP کے کچھ بڑے فوائد درج ذیل ہیں۔
باقاعدہ آمدنی کا بہاؤ
SWP کے بنیادی فوائد میں سے ایک یہ ہے کہ افراد باقاعدہ آمدنی کے ایک ذریعہ کے طور پر نظامی واپسی کے منصوبے کو استعمال کر سکتے ہیں۔ اس کی وجہ یہ ہے کہ نکالی گئی رقم مستقل رہتی ہے۔
نظم و ضبط سے دستبرداری کی عادت
SWP افراد میں ایک نظم و ضبط کے ساتھ رقم نکالنے کی عادت پیدا کرتا ہے کیونکہ صرف ایک مقررہ رقم نکلوائی جاتی ہے اور باقی رقم Mutual Funds میں لگائی جاتی ہے۔ یہ روکتا ہے۔سرمایہ سرمایہ کاری پر کٹاؤ. نیز، میوچل فنڈز میں سرمایہ کاری منافع پیدا کرتی ہے۔
پنشن کا متبادل
SWP ریٹائرڈ افراد کی صورت میں پنشن کے متبادل کے طور پر کام کرتا ہے۔ ریٹائر ہونے والے SWP کے ذریعے باقاعدہ آمدنی کے لیے خود کو یقینی بنا سکتے ہیں۔
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2022 کے لیے بہترین SWP میوچل فنڈز
SWP عام طور پر میوچل فنڈ اسکیموں میں کیا جاتا ہے جس میں مائع فنڈز کی طرح کم سطح کا خطرہ ہوتا ہے۔ لہذا، مائع / الٹرا شارٹ زمرہ کے تحت کچھ بہترین میوچل فنڈ اسکیمیں جن کے خالص اثاثے اس سے زیادہ ہیں1000 کروڑ مندرجہ ذیل کے طور پر درج ذیل ہیں.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹570.293
↑ 0.06 ₹23,615 1.4 3 7.2 7.4 7.4 6.81% 5M 19D 6M 11D ICICI Prudential Ultra Short Term Fund Growth ₹28.7729
↑ 0.00 ₹16,907 1.3 3 6.9 7.1 7.1 6.82% 5M 19D 7M 10D SBI Magnum Ultra Short Duration Fund Growth ₹6,203.48
↑ 0.43 ₹14,639 1.4 3 6.8 7.1 7 6.49% 5M 5D 5M 23D Kotak Savings Fund Growth ₹44.4766
↑ 0.00 ₹14,243 1.3 2.8 6.7 6.9 6.8 6.66% 5M 26D 6M 25D Nippon India Ultra Short Duration Fund Growth ₹4,179.65
↑ 0.02 ₹11,060 1.4 2.9 6.6 6.9 6.8 7% 3Y 6M 18D 4Y 8M 8D Invesco India Ultra Short Term Fund Growth ₹2,795.48
↓ -0.18 ₹1,234 1.3 2.8 6.6 6.9 6.8 6.57% 5M 16D 5M 24D DSP Money Manager Fund Growth ₹3,523.95
↓ -0.07 ₹3,972 1.2 2.7 6.4 6.7 6.7 6.49% 5M 12D 7M 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Feb 26 Research Highlights & Commentary of 7 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund SBI Magnum Ultra Short Duration Fund Kotak Savings Fund Nippon India Ultra Short Duration Fund Invesco India Ultra Short Term Fund DSP Money Manager Fund Point 1 Highest AUM (₹23,615 Cr). Upper mid AUM (₹16,907 Cr). Upper mid AUM (₹14,639 Cr). Lower mid AUM (₹14,243 Cr). Lower mid AUM (₹11,060 Cr). Bottom quartile AUM (₹1,234 Cr). Bottom quartile AUM (₹3,972 Cr). Point 2 Established history (22+ yrs). Established history (14+ yrs). Oldest track record among peers (26 yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (15+ yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 1Y return: 7.16% (top quartile). 1Y return: 6.90% (upper mid). 1Y return: 6.78% (upper mid). 1Y return: 6.66% (lower mid). 1Y return: 6.64% (lower mid). 1Y return: 6.56% (bottom quartile). 1Y return: 6.44% (bottom quartile). Point 6 1M return: 0.64% (top quartile). 1M return: 0.60% (upper mid). 1M return: 0.58% (lower mid). 1M return: 0.59% (lower mid). 1M return: 0.62% (upper mid). 1M return: 0.58% (bottom quartile). 1M return: 0.54% (bottom quartile). Point 7 Sharpe: 3.14 (top quartile). Sharpe: 2.94 (upper mid). Sharpe: 2.90 (upper mid). Sharpe: 2.06 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.41 (lower mid). Sharpe: 1.58 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower 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): 6.81% (upper mid). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.49% (bottom quartile). Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 7.00% (top quartile). Yield to maturity (debt): 6.57% (lower mid). Yield to maturity (debt): 6.49% (bottom quartile). Point 10 Modified duration: 0.47 yrs (lower mid). Modified duration: 0.47 yrs (lower mid). Modified duration: 0.43 yrs (top quartile). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 3.55 yrs (bottom quartile). Modified duration: 0.46 yrs (upper mid). Modified duration: 0.45 yrs (upper mid). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
SBI Magnum Ultra Short Duration Fund
Kotak Savings Fund
Nippon India Ultra Short Duration Fund
Invesco India Ultra Short Term Fund
DSP Money Manager Fund
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. Research Highlights for ICICI Prudential Ultra Short Term Fund Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. Research Highlights for SBI Magnum Ultra Short Duration Fund Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile Kotak Treasury Advantage Fund) The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved. Research Highlights for Kotak Savings Fund Below is the key information for Kotak Savings Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Research Highlights for Nippon India Ultra Short Duration Fund Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Research Highlights for Invesco India Ultra Short Term Fund Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on "The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized." Research Highlights for DSP Money Manager Fund Below is the key information for DSP Money Manager Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (18 Feb 26) ₹570.293 ↑ 0.06 (0.01 %) Net Assets (Cr) ₹23,615 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 3.14 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,414 31 Jan 23 ₹10,928 31 Jan 24 ₹11,721 31 Jan 25 ₹12,635 31 Jan 26 ₹13,528 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 3% 1 Year 7.2% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.63 Yr. Kaustubh Gupta 15 Jul 11 14.56 Yr. Monika Gandhi 22 Mar 21 4.87 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 47.38% Debt 52.33% Other 0.29% Debt Sector Allocation
Sector Value Corporate 54.83% Cash Equivalent 30.8% Government 14.08% Credit Quality
Rating Value AA 25.17% AAA 74.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹610 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹543 Cr 54,000 Nirma Limited
Debentures | -2% ₹485 Cr 48,500 Bharti Telecom Limited
Debentures | -2% ₹397 Cr 40,000 7.25% Gujarat Sgs 2026
Sovereign Bonds | -2% ₹375 Cr 37,500,000 Muthoot Finance Limited
Debentures | -2% ₹350 Cr 35,000 Mankind Pharma Limited
Debentures | -1% ₹321 Cr 32,000
↓ -2,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹302 Cr 30,000 Avanse Financial Services Limited
Debentures | -1% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹296 Cr 30,000 2. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (18 Feb 26) ₹28.7729 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹16,907 on 31 Dec 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.94 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 6.82% Effective Maturity 7 Months 10 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,412 31 Jan 23 ₹10,907 31 Jan 24 ₹11,672 31 Jan 25 ₹12,538 31 Jan 26 ₹13,391 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 3% 1 Year 6.9% 3 Year 7.1% 5 Year 6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 7.5% 2022 6.9% 2021 4.5% 2020 4% 2019 6.5% 2018 8.4% 2017 7.5% 2016 6.9% 2015 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 9.22 Yr. Ritesh Lunawat 15 Jun 17 8.64 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 79.06% Debt 20.67% Other 0.27% Debt Sector Allocation
Sector Value Corporate 57.59% Cash Equivalent 51.73% Credit Quality
Rating Value AA 17.57% AAA 82.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹450 Cr 450 Vedanta Limited
Debentures | -2% ₹351 Cr 35,000 Goi Floating Rate Bond 2028
Sovereign Bonds | -2% ₹311 Cr 30,843,000 Muthoot Finance Limited
Debentures | -2% ₹303 Cr 30,000 Axis Bank Ltd.
Debentures | -2% ₹281 Cr 6,000 Piramal Finance Limited
Debentures | -1% ₹247 Cr 24,500
↓ -3,000 Bank of Baroda
Debentures | -1% ₹235 Cr 5,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹234 Cr 5,000 Indusind Bank Ltd.
Debentures | -1% ₹233 Cr 5,000
↑ 5,000 LIC Housing Finance Ltd
Debentures | -1% ₹225 Cr 2,250 3. SBI Magnum Ultra Short Duration Fund
SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (18 Feb 26) ₹6,203.48 ↑ 0.43 (0.01 %) Net Assets (Cr) ₹14,639 on 31 Dec 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 2.9 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.49% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,355 31 Jan 23 ₹10,838 31 Jan 24 ₹11,602 31 Jan 25 ₹12,457 31 Jan 26 ₹13,296 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 3% 1 Year 6.8% 3 Year 7.1% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7% 2023 7.4% 2022 7% 2021 4.5% 2020 3.4% 2019 5.9% 2018 8% 2017 7.9% 2016 6.6% 2015 7.7% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Sudhir Agrawal 15 May 25 0.72 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 73.4% Debt 29.82% Other 0.34% Debt Sector Allocation
Sector Value Cash Equivalent 55.52% Corporate 39.77% Government 4.37% Credit Quality
Rating Value AA 21.49% AAA 78.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.63% Gs 2026
Sovereign Bonds | -6% ₹880 Cr 88,000,000
↑ 19,500,000 Small Industries Development Bank of India
Debentures | -4% ₹562 Cr 12,000 Standard Chartered Bank
- | -4% -₹500 Cr National Bank For Agriculture And Rural Development
Debentures | -3% ₹390 Cr 39,000
↓ -15,500 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹327 Cr 7,000
↑ 7,000 Canara Bank
Domestic Bonds | -2% ₹299 Cr 6,000 Adani Power Limited
Debentures | -2% ₹299 Cr 30,000
↑ 30,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹280 Cr 6,000
↑ 6,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -2% ₹253 Cr 255 HSBC Bank PLC
Debentures | -2% -₹250 Cr 4. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (18 Feb 26) ₹44.4766 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹14,243 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 2.06 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,339 31 Jan 23 ₹10,818 31 Jan 24 ₹11,564 31 Jan 25 ₹12,397 31 Jan 26 ₹13,212 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.8% 1 Year 6.7% 3 Year 6.9% 5 Year 5.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.8% 2021 4.5% 2020 3.2% 2019 5.8% 2018 7.8% 2017 7.4% 2016 6.7% 2015 8.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 17.81 Yr. Manu Sharma 1 Nov 22 3.25 Yr. Data below for Kotak Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 60.85% Debt 38.88% Other 0.27% Debt Sector Allocation
Sector Value Corporate 45.7% Cash Equivalent 41.32% Government 12.71% Credit Quality
Rating Value AA 14.16% AAA 85.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Housing Finance Limited
Debentures | -4% ₹642 Cr 6,420 National Bank For Agriculture And Rural Development
Debentures | -3% ₹578 Cr 57,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹571 Cr 57,050 Rec Limited
Debentures | -2% ₹400 Cr 40,000
↓ -7,500 19/03/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹308 Cr 31,000,000 Mankind Pharma Limited
Debentures | -2% ₹301 Cr 30,000 21/05/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹246 Cr 25,000,000 Bank of Baroda
Debentures | -1% ₹245 Cr 25,000 Goi Floating Rate Bond 2028
Sovereign Bonds | -1% ₹227 Cr 22,500,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -1% ₹209 Cr 210 5. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (18 Feb 26) ₹4,179.65 ↑ 0.02 (0.00 %) Net Assets (Cr) ₹11,060 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 2.3 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7% Effective Maturity 4 Years 8 Months 8 Days Modified Duration 3 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,797 31 Jan 23 ₹11,304 31 Jan 24 ₹12,070 31 Jan 25 ₹12,941 31 Jan 26 ₹13,788 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.9% 1 Year 6.6% 3 Year 6.9% 5 Year 6.7% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.7% 2021 4.6% 2020 7.8% 2019 4.9% 2018 0.9% 2017 7.3% 2016 5.8% 2015 6.8% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 12.34 Yr. Kinjal Desai 25 May 18 7.69 Yr. Akshay Sharma 1 Dec 22 3.17 Yr. Lokesh Maru 5 Sep 25 0.41 Yr. Divya Sharma 5 Sep 25 0.41 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 47.86% Debt 51.84% Other 0.29% Debt Sector Allocation
Sector Value Corporate 57.79% Cash Equivalent 38.01% Government 3.19% Securitized 0.72% Credit Quality
Rating Value AA 28.52% AAA 71.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity 26/03/2026 Maturing 182 DTB
Sovereign Bonds | -3% ₹298 Cr 30,000,000
↑ 30,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹285 Cr 28,500
↓ -20,000 JSW Energy Limited
Debentures | -2% ₹250 Cr 25,000 16/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹247 Cr 25,000,000 Vedanta Limited
Debentures | -2% ₹241 Cr 24,000 TATA Communications Limited
Debentures | -2% ₹225 Cr 22,500 30/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹212 Cr 21,500,000
↑ 21,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000 Rec Limited
Debentures | -2% ₹200 Cr 20,000
↑ 20,000 Embassy Office Parks Reit
Debentures | -2% ₹200 Cr 2,000 6. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (18 Feb 26) ₹2,795.48 ↓ -0.18 (-0.01 %) Net Assets (Cr) ₹1,234 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 2.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.57% Effective Maturity 5 Months 24 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,317 31 Jan 23 ₹10,764 31 Jan 24 ₹11,486 31 Jan 25 ₹12,349 31 Jan 26 ₹13,150 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.8% 1 Year 6.6% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.5% 2022 6.6% 2021 4.1% 2020 3% 2019 5.1% 2018 7.6% 2017 7.3% 2016 7.1% 2015 9.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 6.08 Yr. Vikas Garg 27 Jul 21 4.52 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 57.14% Debt 42.56% Other 0.3% Debt Sector Allocation
Sector Value Corporate 45.64% Cash Equivalent 40.82% Government 13.23% Credit Quality
Rating Value AA 14.9% AAA 85.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -8% ₹100 Cr 10,000,000
↑ 7,500,000 Small Industries Development Bank Of India
Debentures | -5% ₹65 Cr 6,500,000
↑ 5,000,000 19/02/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↑ 5,000,000 27/02/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↑ 5,000,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹40 Cr 4,000,000 Sundaram Home Finance Limited
Debentures | -3% ₹35 Cr 3,500,000 Power Finance Corporation Limited
Debentures | -3% ₹35 Cr 3,500,000 Tbill
Sovereign Bonds | -3% ₹35 Cr 3,502,500
↑ 3,502,500 Manappuram Finance Limited
Debentures | -2% ₹28 Cr 2,800,000 Piramal Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 7. DSP Money Manager Fund
DSP Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (18 Feb 26) ₹3,523.95 ↓ -0.07 (0.00 %) Net Assets (Cr) ₹3,972 on 31 Dec 25 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio 1.58 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.49% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,306 31 Jan 23 ₹10,747 31 Jan 24 ₹11,473 31 Jan 25 ₹12,266 31 Jan 26 ₹13,049 Returns for DSP Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.5% 3 Month 1.2% 6 Month 2.7% 1 Year 6.4% 3 Year 6.7% 5 Year 5.5% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 6.9% 2022 6.7% 2021 4.1% 2020 2.9% 2019 4.7% 2018 7.3% 2017 5% 2016 6% 2015 7.5% Fund Manager information for DSP Money Manager Fund
Name Since Tenure Karan Mundhra 31 May 21 4.67 Yr. Shalini Vasanta 1 Jan 25 1.08 Yr. Data below for DSP Money Manager Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 50.56% Debt 48.98% Other 0.46% Debt Sector Allocation
Sector Value Corporate 67.98% Cash Equivalent 20.14% Government 11.42% Credit Quality
Rating Value AA 19.85% AAA 80.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹176 Cr 17,000 5.63% Gs 2026
Sovereign Bonds | -5% ₹163 Cr 16,000,000
↓ -1,500,000 Godrej Properties Limited
Debentures | -4% ₹131 Cr 12,500 Piramal Finance Limited
Debentures | -3% ₹103 Cr 10,000 Aadhar Housing Finance Limited
Debentures | -3% ₹103 Cr 9,700 Aditya Birla Renewables Limited
Debentures | -2% ₹78 Cr 7,500 Rec Limited
Debentures | -2% ₹77 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹77 Cr 7,500 National Housing Bank
Debentures | -1% ₹52 Cr 5,000 Cholamandalam Investment And Finance Company Limited
Debentures | -1% ₹52 Cr 5,000
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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Research Highlights for Aditya Birla Sun Life Savings Fund