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SWP کیلکولیٹر -- منظم واپسی پلان کیلکولیٹر

Updated on July 1, 2025 , 36779 views

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۔

SWP Calculator

VALUE AT END OF TENOR:₹4,597

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	₹549.725 ↑ 0.23	₹18,981	2.1	4.2	8.1	7.4	7.9	6.92%	4M 13D	5M 8D
ICICI Prudential Ultra Short Term Fund Growth	₹27.765 ↑ 0.01	₹16,269	2	4	7.7	7.1	7.5	6.88%	5M 12D	8M 8D
SBI Magnum Ultra Short Duration Fund Growth	₹5,987.26 ↑ 1.35	₹16,434	1.9	3.9	7.6	7.1	7.4	0.49%	5M 16D	6M 25D
Invesco India Ultra Short Term Fund Growth	₹2,702.77 ↑ 0.66	₹1,227	1.8	3.9	7.5	6.9	7.5	6.59%	5M 16D	5M 24D
Kotak Savings Fund Growth	₹42.9758 ↑ 0.01	₹15,401	1.9	3.9	7.5	6.9	7.2	6.63%	5M 23D	6M
Nippon India Ultra Short Duration Fund Growth	₹4,036.9 ↑ 1.40	₹8,772	1.8	3.8	7.4	6.9	7.2	6.98%	5M 16D	7M 25D
UTI Ultra Short Term Fund Growth	₹4,247.57 ↑ 1.22	₹4,351	1.8	3.8	7.4	6.8	7.2	6.73%	5M 11D	5M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Jul 25

1. Aditya Birla Sun Life Savings 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.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (03 Jul 25)	₹549.725 ↑ 0.23 (0.04 %)
Net Assets (Cr)	₹18,981 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.92%
Effective Maturity	5 Months 8 Days
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,484
30 Jun 22	₹10,887
30 Jun 23	₹11,600
30 Jun 24	₹12,464
30 Jun 25	₹13,474

Aditya Birla Sun Life Savings 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 Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 25

Duration	Returns
1 Month	0.7%
3 Month	2.1%
6 Month	4.2%
1 Year	8.1%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.96 Yr.
Kaustubh Gupta	15 Jul 11	13.89 Yr.
Monika Gandhi	22 Mar 21	4.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	41.07%
Debt	58.69%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	64.99%
Cash Equivalent	18.97%
Government	15.8%

Credit Quality

Rating	Value
AA	35.5%
AAA	64.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹613 Cr	60,000
Nirma Limited Debentures \| -	3%	₹489 Cr	48,500
Small Industries Development Bank of India Debentures \| -	2%	₹430 Cr	9,000
Gujarat (Government of) - \| -	2%	₹379 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹362 Cr	3,600
182 DTB 29082025 Sovereign Bonds \| -	2%	₹356 Cr	36,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹317 Cr	3,150
Mankind Pharma Limited Debentures \| -	2%	₹309 Cr	30,500
Avanse Financial Services Limited Debentures \| -	2%	₹301 Cr	30,000
Bharti Telecom Limited Debentures \| -	1%	₹271 Cr	2,700

2. ICICI Prudential Ultra Short Term Fund

(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.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (03 Jul 25)	₹27.765 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹16,269 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	2.27
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	6.88%
Effective Maturity	8 Months 8 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,502
30 Jun 22	₹10,888
30 Jun 23	₹11,583
30 Jun 24	₹12,411
30 Jun 25	₹13,362

ICICI Prudential Ultra 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 ICICI Prudential Ultra 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 3 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	4%
1 Year	7.7%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.55 Yr.
Ritesh Lunawat	15 Jun 17	7.97 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	44.32%
Debt	55.45%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	58.66%
Government	22.39%
Cash Equivalent	18.73%

Credit Quality

Rating	Value
AA	17.33%
AAA	82.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	6%	₹1,047 Cr	103,500,000 ↓ -5,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹602 Cr	6,000
182 Days Tbill Sovereign Bonds \| -	3%	₹492 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹384 Cr	38,000 ↑ 7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹377 Cr	3,750 ↑ 1,000
Bharti Telecom Limited Debentures \| -	2%	₹347 Cr	34,500
Larsen And Toubro Limited Debentures \| -	2%	₹251 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	1%	₹226 Cr	2,250
HDFC Bank Ltd. Debentures \| -	1%	₹214 Cr	4,500
Oberoi Realty Limited Debentures \| -	1%	₹202 Cr	20,000

3. SBI Magnum Ultra Short Duration Fund

(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.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (03 Jul 25)	₹5,987.26 ↑ 1.35 (0.02 %)
Net Assets (Cr)	₹16,434 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.44
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0.49%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,380
30 Jun 22	₹10,730
30 Jun 23	₹11,414
30 Jun 24	₹12,233
30 Jun 25	₹13,162

SBI Magnum Ultra Short Duration 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 SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.9%
1 Year	7.6%
3 Year	7.1%
5 Year	5.7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%
2015	8.3%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.05 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	68.73%
Debt	31.08%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	43.49%
Cash Equivalent	38.58%
Government	17.73%

Credit Quality

Rating	Value
AA	0.78%
AAA	99.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹685 Cr	68,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹517 Cr	5,150
HDFC Bank Ltd. Debentures \| -	3%	₹477 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹425 Cr	4,250
India (Republic of) - \| -	2%	₹323 Cr	32,500,000 ↑ 32,500,000
INDIA UNIVERSAL TRUST AL2 Unlisted bonds \| -	2%	₹283 Cr	400
Citicorp Finance (India) Limited Debentures \| -	1%	₹250 Cr	25,000
Rec Limited Debentures \| -	1%	₹244 Cr	2,450
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹232 Cr	23,000
Tata Capital Housing Finance Limited Debentures \| -	1%	₹221 Cr	2,200

4. Invesco India Ultra Short Term Fund

(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.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (03 Jul 25)	₹2,702.77 ↑ 0.66 (0.02 %)
Net Assets (Cr)	₹1,227 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.59%
Effective Maturity	5 Months 24 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,324
30 Jun 22	₹10,639
30 Jun 23	₹11,277
30 Jun 24	₹12,079
30 Jun 25	₹12,988

Invesco India Ultra 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 Invesco India Ultra 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 3 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.9%
1 Year	7.5%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.41 Yr.
Vikas Garg	27 Jul 21	3.85 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	57.99%
Debt	41.67%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	55.65%
Cash Equivalent	33.36%
Government	10.65%

Credit Quality

Rating	Value
AA	24.4%
AAA	75.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
08.24 Tn SDL 2025sep Sovereign Bonds \| -	4%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹49 Cr	5,000,000
Export Import Bank Of India Debentures \| -	3%	₹40 Cr	4,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹30 Cr	3,000,000
TATA Projects Limited Debentures \| -	2%	₹25 Cr	2,500,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000

5. Kotak Savings Fund

(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.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (03 Jul 25)	₹42.9758 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹15,401 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	1.66
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	6 Months
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,371
30 Jun 22	₹10,721
30 Jun 23	₹11,393
30 Jun 24	₹12,183
30 Jun 25	₹13,091

Kotak Savings 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 Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.9%
1 Year	7.5%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%
2015	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.14 Yr.
Manu Sharma	1 Nov 22	2.58 Yr.

Data below for Kotak Savings Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	55.91%
Debt	43.84%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	57.28%
Government	22.13%
Cash Equivalent	20.33%

Credit Quality

Rating	Value
AA	8.41%
AAA	91.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
8.2% Govt Stock 2025 Sovereign Bonds \| -	5%	₹805 Cr	80,000,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹650 Cr	6,450
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹564 Cr	56,000
Rec Limited Debentures \| -	3%	₹478 Cr	47,500
Mankind Pharma Limited Debentures \| -	2%	₹303 Cr	30,000
182 Days Tbill Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	1%	₹240 Cr	25,000,000
India (Republic of) - \| -	1%	₹238 Cr	25,000,000
Bharti Telecom Limited Debentures \| -	1%	₹226 Cr	2,250
08.49 Tn SDL 2026 Sovereign Bonds \| -	1%	₹204 Cr	20,080,000

6. Nippon India Ultra Short Duration Fund

(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.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (03 Jul 25)	₹4,036.9 ↑ 1.40 (0.03 %)
Net Assets (Cr)	₹8,772 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.78
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	7 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,563
30 Jun 22	₹11,228
30 Jun 23	₹11,923
30 Jun 24	₹12,747
30 Jun 25	₹13,692

Nippon India Ultra Short Duration 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.4%
3 Year	6.9%
5 Year	6.5%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.67 Yr.
Kinjal Desai	25 May 18	7.02 Yr.
Akshay Sharma	1 Dec 22	2.5 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	52.98%
Debt	46.77%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	56.37%
Cash Equivalent	30.8%
Government	12.58%

Credit Quality

Rating	Value
AA	15.05%
AAA	84.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹327 Cr	32,500
182 Days Tbill Sovereign Bonds \| -	3%	₹247 Cr	25,000,000
Vedanta Limited Debentures \| -	3%	₹241 Cr	24,000
LIQUID GOLD SERIES 10 Unlisted bonds \| -	3%	₹217 Cr	82
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹197 Cr	20,000,000
Interise TRust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹184 Cr	1,850
Power Finance Corporation Limited Debentures \| -	2%	₹177 Cr	17,500 ↑ 7,500
Credila Financial Services Limited Debentures \| -	2%	₹157 Cr	15,500

7. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (03 Jul 25)	₹4,247.57 ↑ 1.22 (0.03 %)
Net Assets (Cr)	₹4,351 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	1.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.73%
Effective Maturity	5 Months 16 Days
Modified Duration	5 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,396
30 Jun 22	₹11,020
30 Jun 23	₹11,694
30 Jun 24	₹12,502
30 Jun 25	₹13,424

UTI Ultra 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 UTI Ultra 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 3 Jul 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.4%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.36 Yr.

Data below for UTI Ultra Short Term Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	62.93%
Debt	36.88%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	60.71%
Cash Equivalent	33.44%
Government	5.66%

Credit Quality

Rating	Value
AA	15.03%
AAA	84.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹181 Cr	1,800
Titan Company Limited Debentures \| -	3%	₹151 Cr	15,000 ↑ 5,000
182 Days Tbill Sovereign Bonds \| -	3%	₹148 Cr	1,500,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹101 Cr	1,000
LIC Housing Finance Ltd Debentures \| -	2%	₹101 Cr	1,000 ↑ 250
182 Days Tbill Sovereign Bonds \| -	2%	₹99 Cr	1,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹81 Cr	8,000
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000 ↑ 750,000,000
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000
Muthoot Finance Limited Debentures \| -	1%	₹50 Cr	5,000

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۔