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ریکرنگ ڈپازٹ (RD) کیا ہے؟

Updated on December 3, 2025 , 62405 views

اگر آپ جانتے ہیں کہ کس طرح ایک منظمسرمایہ کاری کا منصوبہ (گھونٹ) کاباہمی چندہ کام کرتا ہے، پھر آپ آسانی سے ریکرنگ ڈپازٹس کو سمجھ جائیں گے! ریکرینگ ڈپازٹ (RD) میں ہر ماہ ایک مقررہ قسط کی جاتی ہے اور سود کی ادائیگیبینک اس رقم پر. آئیے RD اکاؤنٹ کے بارے میں مزید سمجھیں،RD شرح سود,آر ڈی کیلکولیٹر، RD سود کیلکولیٹر، وغیرہ۔

اعادی جمع (RD)

ریکرنگ ڈپازٹ ان لوگوں کے لیے سرمایہ کاری کے ساتھ بچت کا اختیار ہے جو ایک مخصوص مدت میں باقاعدگی سے بچت کرنا چاہتے ہیں اور زیادہ شرح سود حاصل کرنا چاہتے ہیں۔ ہر ماہ، رقم کی ایک مقررہ رقم یا تو ایک سے کاٹ لی جاتی ہے۔بچت اکاونٹ یا کرنٹ اکاؤنٹ۔ میچورٹی کی مدت کے اختتام پر، سرمایہ کاروں کو ان کی سرمایہ کاری کی گئی رقم واپس کی جاتی ہے۔جمع شدہ سود.

Recurring-Deposit

پبلک سیکٹر کے بینک میں، ایک RD اکاؤنٹ کم از کم INR 100 سے کم رقم کے ساتھ کھولا جا سکتا ہے۔ جب کہ، نجی شعبے کے بینکوں میں جمع کی جانے والی کم از کم رقم 500 سے INR 1000 ہے، جبکہ ایک میںڈاک خانہ کوئی بھی صرف INR 10 میں کھاتہ کھول سکتا ہے۔ کچھ بینکوں کی بالائی حد INR 15 لاکھ ہے، جبکہ دوسروں کے پاس ایسی کوئی اوپری حد نہیں ہے۔ ریکرنگ ڈپازٹ کی مدت کم از کم تین ماہ اور زیادہ سے زیادہ 10 سال ہے۔

RD اکاؤنٹ: خصوصیات

  • یہ لوگوں میں بچت کی عادت ڈالتا ہے۔
  • ریکرنگ ڈپازٹ میں شرح سود زیادہ ہے۔
  • RD اسکیمیں قطع نظر ایک مستحکم اور محفوظ سرمایہ کاری کا آپشن فراہم کرتی ہیں۔مارکیٹ اتار چڑھاو
  • سرمایہ کار میچورٹی مدت سے پہلے اپنا RD اکاؤنٹ بند کر سکتے ہیں۔ لیکن، قبل از وقت نکالنے کے دوران، سرمایہ کاروں کو بینک کے لحاظ سے جرمانے کی صورت میں کچھ رقم ادا کرنی پڑ سکتی ہے۔
  • سرمایہ کار ریکرنگ ڈپازٹ کے مقابلے میں بیلنس کے 60-90% تک کے قرضوں کا انتخاب کر سکتے ہیں۔
  • بینک چھ چھوٹی قسطوں پر اکاؤنٹ بند کر سکتا ہے۔ لیکن، اگر بقایا رقم آخری سے ایک ماہ کے اندر ادا کردی جائے۔طے شدہ، اسے زندہ کیا جا سکتا ہے۔
  • ریکرینگ ڈپازٹس نامزدگی کے ساتھ آتے ہیں۔سہولت
  • ریکرنگ ڈپازٹس میں کوئی TDS (ذریعہ پر ٹیکس کٹوتی) نہیں ہے۔ سود کا حصہ قابل ٹیکس ہے اور اسے ایک میں شامل کیا جائے گا۔سرمایہ کارکیآمدنی اور متعلقہ سلیب کے مطابق ٹیکس لگایا جاتا ہے۔

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RD سود کی شرح

ہندوستان کے تقریباً تمام بڑے بینک بار بار جمع کرنے والے اکاؤنٹ کی پیشکش کرتے ہیں۔ ہر بینک میں سود کی شرح مختلف ہو سکتی ہے، لیکن یہ عام طور پر درمیان ہوتی ہے۔7% سے 9.25% p.a، اور پوسٹ آفس میں یہ ہے۔7.4% (مارکیٹ کی موجودہ حالت پر منحصر ہے)۔ بزرگ شہریوں کو ملتا ہے۔0.5% اضافی سود کی شرح، ایک بار طے ہونے کے بعد مدت کے دوران تبدیل نہیں ہوتی ہے۔ وہ سرمایہ کار جو ایک وقت میں ایک سے زیادہ قسطیں ادا کرنا چاہتے ہیں، ایسا کر سکتے ہیں۔

آر ڈی کیلکولیٹر

ریکرنگ ڈپازٹ کیلکولیٹر RD پر میچورٹی رقم کا حساب لگانے کا ایک اچھا طریقہ ہے۔ آپ میچورٹی پر اپنی RD رقم کا اندازہ لگانے کے لیے اس طریقہ پر عمل کر سکتے ہیں۔

آر ڈی کیلکولیٹر INR
ماہانہ جمع کی رقم 200
مہینے میں RD 60
سود کی شرح 8%
دلچسپیمرکب تعدد ماہانہ
RD میچورٹی کی رقم INR 1,47,933

RD دلچسپی کیلکولیٹر

RD انٹرسٹ کیلکولیٹر کی مدد سے صارفین اپنی صلاحیت کا تعین کر سکتے ہیں۔کمائی. آپ کو اس رقم کا فیصلہ کرنے کی ضرورت ہے جو آپ ماہانہ سرمایہ کاری کرنا چاہتے ہیں اور سرمایہ کاری کی مدت (مثال کے طور پر نیچے دی گئی ہے)۔

RD دلچسپی کیلکولیٹر
رقم 1000 روپے
شرح سود 8% سالانہ
مدت 12 ماہ

خلاصہ- ادا کی گئی کل رقم-12 روپے،000 کل پختگی کی رقم-INR 12,530 کل قابل وصول سود-INR 530

نتیجہ

بار بار جمع کرنے سے افراد کو باقاعدگی سے بچت کرنے کی عادت ڈالنے میں مدد ملتی ہے۔ اگر آپ نے اب تک کوئی سرمایہ کاری نہیں کی ہے، تو بار بار جمع کرنے کے ساتھ شروع کریں۔ اس کے علاوہ، یہ ہنگامی فنڈ یا ہنگامی فنڈ بنانے کا ایک اچھا ذریعہ ہے۔ یہ آپ کی مختصر مدت اور طویل مدتی کے لیے ہر ماہ تھوڑی سی رقم بچانے کا ایک مثالی طریقہ ہے۔مالی اہداف.

آج ہی ریکرنگ ڈپازٹ اکاؤنٹ کھولیں اور کل کے لیے بچت کریں!

ملتے جلتے متبادل

میوچل فنڈز میں کوئی بھی پرنسپل پر اسی طرح کی حفاظت کے ساتھ RD سے زیادہ کما سکتا ہے۔سرمایہ کاری مائع یا الٹرا مختصر میںبانڈ فنڈز جیسا کہ وہ 30 دن سے سال یا اس سے زیادہ دنوں تک میچور ہونے والی سیکیورٹیز میں سرمایہ کاری کرتے ہیں۔

مائع / الٹرا شارٹ ڈیبٹ میوچل فنڈز

1. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

  • Bottom quartile AUM (₹146 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (bottom quartile).
  • 1M return: 0.52% (upper mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.83% (top quartile).
  • Modified duration: 0.19 yrs (upper mid).
  • Average maturity: 0.23 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund
Growth
Launch Date 3 Sep 10
NAV (28 Jul 23) ₹2,424.68 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹146 on 30 Jun 23
Category Debt - Ultrashort Bond
AMC IDBI Asset Management Limited
Rating
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio -0.57
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.83%
Effective Maturity 2 Months 23 Days
Modified Duration 2 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,403
30 Nov 22₹10,847

IDBI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI 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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.4%
1 Year 6.4%
3 Year 4.8%
5 Year 5.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Ultra Short Term Fund
NameSinceTenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

2. 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹22,389 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.59% (top quartile).
  • 1M return: 0.55% (top quartile).
  • Sharpe: 3.40 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.81% (upper mid).
  • Modified duration: 0.47 yrs (bottom quartile).
  • Average maturity: 0.56 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~49%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~2.6%).

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 (05 Dec 25) ₹564.337 ↑ 0.16   (0.03 %)
Net Assets (Cr) ₹22,389 on 31 Oct 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.4
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 22 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,392
30 Nov 22₹10,859
30 Nov 23₹11,636
30 Nov 24₹12,535
30 Nov 25₹13,491

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for 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 28 Jul 23

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.3%
1 Year 7.6%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sunaina Cunha20 Jun 1411.38 Yr.
Kaustubh Gupta15 Jul 1114.31 Yr.
Monika Gandhi22 Mar 214.62 Yr.

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

Asset Allocation
Asset ClassValue
Cash49.2%
Debt50.56%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate47.85%
Cash Equivalent39.2%
Government12.71%
Credit Quality
RatingValue
AA28.73%
AAA71.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹614 Cr60,000
Nirma Limited
Debentures | -
2%₹487 Cr48,500
07.22 GJ Sdl 2028
Sovereign Bonds | -
2%₹376 Cr37,500,000
Muthoot Finance Limited
Debentures | -
2%₹352 Cr35,000
↑ 10,000
Mankind Pharma Limited
Debentures | -
1%₹348 Cr34,500
Bank of Baroda
Debentures | -
1%₹344 Cr7,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹341 Cr3,400
Avanse Financial Services Limited
Debentures | -
1%₹301 Cr30,000
Power Finance Corporation Limited
Debentures | -
1%₹298 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
1%₹272 Cr27,000

3. 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.

Research Highlights for Nippon India Ultra Short Duration Fund

  • Upper mid AUM (₹12,641 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.90% (upper mid).
  • 1M return: 0.51% (bottom quartile).
  • Sharpe: 2.13 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.81% (upper mid).
  • Modified duration: 0.46 yrs (bottom quartile).
  • Average maturity: 0.64 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~44%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~3.6%).

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 (05 Dec 25) ₹4,134.83 ↑ 1.29   (0.03 %)
Net Assets (Cr) ₹12,641 on 31 Oct 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.12
Sharpe Ratio 2.13
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.81%
Effective Maturity 7 Months 19 Days
Modified Duration 5 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,780
30 Nov 22₹11,256
30 Nov 23₹12,008
30 Nov 24₹12,870
30 Nov 25₹13,762

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India 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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3%
1 Year 6.9%
3 Year 6.9%
5 Year 6.6%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 1312.09 Yr.
Kinjal Desai25 May 187.44 Yr.
Akshay Sharma1 Dec 222.92 Yr.
Lokesh Maru5 Sep 250.16 Yr.
Divya Sharma5 Sep 250.16 Yr.

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

Asset Allocation
Asset ClassValue
Cash44.47%
Debt55.33%
Other0.2%
Debt Sector Allocation
SectorValue
Corporate54.03%
Cash Equivalent30.17%
Government15.6%
Credit Quality
RatingValue
AA23.81%
AAA76.19%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹487 Cr48,500
182 Days Tbill
Sovereign Bonds | -
2%₹294 Cr30,000,000
Power Finance Corporation Limited
Debentures | -
2%₹251 Cr25,000
↓ -10,000
JSW Energy Limited
Debentures | -
2%₹251 Cr25,000
Small Industries Development Bank Of India
Debentures | -
2%₹251 Cr2,500
Vedanta Limited
Debentures | -
2%₹241 Cr24,000
TATA Communications Limited
Debentures | -
2%₹227 Cr22,500
Aadhar Housing Finance Limited
Debentures | -
2%₹202 Cr20,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹201 Cr20,000
Embassy Office Parks Reit
Debentures | -
2%₹201 Cr2,000

4. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (upper mid).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (lower mid).
  • Modified duration: 0.10 yrs (top quartile).
  • Average maturity: 0.11 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (28 Jul 23) ₹2,454.04 ↑ 0.35   (0.01 %)
Net Assets (Cr) ₹503 on 30 Jun 23
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio 0.2
Information Ratio -5.96
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,335
30 Nov 22₹10,812

IDBI Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.4%
1 Year 6.6%
3 Year 4.5%
5 Year 5.3%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Liquid Fund
NameSinceTenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. 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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹17,841 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderate.
  • 1Y return: 7.21% (upper mid).
  • 1M return: 0.52% (lower mid).
  • Sharpe: 2.79 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.64% (bottom quartile).
  • Modified duration: 0.40 yrs (upper mid).
  • Average maturity: 0.53 yrs (upper mid).
  • Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
  • Top sector: Energy.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~60%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.22% Govt Stock 2028 (~3.5%).

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 (05 Dec 25) ₹28.471 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹17,841 on 31 Oct 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.8
Sharpe Ratio 2.79
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 6.64%
Effective Maturity 6 Months 11 Days
Modified Duration 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,401
30 Nov 22₹10,849
30 Nov 23₹11,599
30 Nov 24₹12,460
30 Nov 25₹13,360

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.1%
1 Year 7.2%
3 Year 7.2%
5 Year 6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 168.97 Yr.
Ritesh Lunawat15 Jun 178.39 Yr.

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

Asset Allocation
Asset ClassValue
Cash59.71%
Debt40.29%
Debt Sector Allocation
SectorValue
Corporate43.89%
Cash Equivalent39.51%
Government14.12%
Securitized2.49%
Credit Quality
RatingValue
AA19.37%
AAA80.63%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.22% Govt Stock 2028
Sovereign Bonds | -
4%₹653 Cr64,636,600
National Bank For Agriculture And Rural Development
Debentures | -
3%₹613 Cr61,000
↑ 3,500
LIC Housing Finance Ltd
Debentures | -
3%₹600 Cr6,000
364 DTB 15012026
Sovereign Bonds | -
3%₹496 Cr50,000,000
↑ 50,000,000
RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -
2%₹460 Cr450
National Bank For Agriculture And Rural Development
Debentures | -
2%₹376 Cr3,750
Small Industries Development Bank Of India
Debentures | -
2%₹352 Cr35,000
Vedanta Limited
Debentures | -
2%₹301 Cr30,000
Piramal Finance Limited
Debentures | -
1%₹277 Cr27,500
India (Republic of)
- | -
1%₹250 Cr25,000,000

6. 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.

Research Highlights for UTI Ultra Short Term Fund

  • Lower mid AUM (₹4,097 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.74% (lower mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 1.70 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.63% (bottom quartile).
  • Modified duration: 0.46 yrs (lower mid).
  • Average maturity: 0.54 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~53%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank For Agriculture And Rural Development (~4.8%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (05 Dec 25) ₹4,347.09 ↑ 1.31   (0.03 %)
Net Assets (Cr) ₹4,097 on 31 Oct 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.93
Sharpe Ratio 1.7
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.63%
Effective Maturity 6 Months 13 Days
Modified Duration 5 Months 15 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,620
30 Nov 22₹11,037
30 Nov 23₹11,780
30 Nov 24₹12,625
30 Nov 25₹13,481

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for 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 28 Jul 23

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 2.9%
1 Year 6.7%
3 Year 6.9%
5 Year 6.2%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Abhishek Sonthalia10 Nov 250 Yr.

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

Asset Allocation
Asset ClassValue
Cash53.1%
Debt46.6%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate53.87%
Cash Equivalent30.06%
Government15.76%
Credit Quality
RatingValue
AA17.52%
AAA82.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
5%₹201 Cr20,000
↑ 5,000
182 DAYS T-BILL - 09/04/2026
Sovereign Bonds | -
5%₹196 Cr2,000,000,000
Shriram Finance Limited
Debentures | -
2%₹101 Cr10,000
TATA Communications Limited
Debentures | -
2%₹101 Cr10,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹101 Cr10,000
LIC Housing Finance Ltd
Debentures | -
2%₹100 Cr1,000
↑ 1,000
Bajaj Housing Finance Limited
Debentures | -
2%₹75 Cr750
Piramal Finance Limited
Debentures | -
2%₹75 Cr7,500
Jamnagar Utilities & Power Private Limited
Debentures | -
2%₹75 Cr750
Indian Bank
Domestic Bonds | -
2%₹74 Cr750,000,000

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۔
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