Table of Contents
ریکرنگ ڈپازٹ (RD) کیا ہے؟
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.
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
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 Below is the key information for Aditya Birla Sun Life 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. 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 Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized. IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a Below is the key information for IDFC Cash 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. 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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for UTI Ultra Short Term 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. 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 Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
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% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (12 Jun 25) ₹547.228 ↑ 0.05 (0.01 %) Net Assets (Cr) ₹17,263 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 2.71 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.27% Effective Maturity 6 Months 14 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,553 31 May 22 ₹10,948 31 May 23 ₹11,646 31 May 24 ₹12,512 31 May 25 ₹13,520 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 25 Duration Returns 1 Month 0.9% 3 Month 2.5% 6 Month 4.2% 1 Year 8.1% 3 Year 7.3% 5 Year 6.2% 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 10.95 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 30 Apr 25
Asset Allocation
Asset Class Value Cash 39.18% Debt 60.56% Other 0.26% Debt Sector Allocation
Sector Value Corporate 65.93% Cash Equivalent 22.75% Government 11.05% Credit Quality
Rating Value AA 34.49% AAA 65.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of Baroda
Debentures | -5% ₹827 Cr 17,000
↑ 17,000 Shriram Finance Company Limited
Debentures | -4% ₹611 Cr 60,000 Nirma Limited
Debentures | -3% ₹488 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹475 Cr 47,500,000 Small Industries Development Bank of India
Debentures | -2% ₹425 Cr 9,000 182 DTB 29082025
Sovereign Bonds | -2% ₹343 Cr 35,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹316 Cr 3,150
↑ 500 Mankind Pharma Ltd
Debentures | -2% ₹308 Cr 30,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹305 Cr 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹301 Cr 30,000 2. Nippon India Ultra Short Duration Fund
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% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (12 Jun 25) ₹4,020.92 ↓ -0.17 (0.00 %) Net Assets (Cr) ₹8,767 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 1.43 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.11% Effective Maturity 7 Months 16 Days Modified Duration 5 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,473 31 May 22 ₹11,244 31 May 23 ₹11,924 31 May 24 ₹12,747 31 May 25 ₹13,687 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 3.8% 1 Year 7.5% 3 Year 6.8% 5 Year 6.6% 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 30 Apr 25
Asset Allocation
Asset Class Value Cash 53.8% Debt 45.95% Other 0.25% Debt Sector Allocation
Sector Value Corporate 57.31% Cash Equivalent 27.3% Government 15.15% Credit Quality
Rating Value AA 13.57% AAA 86.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹311 Cr 3,100 182 Days Tbill
Sovereign Bonds | -3% ₹246 Cr 25,000,000 182 DTB 12062025
Sovereign Bonds | -3% ₹244 Cr 24,500,000 Small Industries Development Bank Of India
Debentures | -2% ₹201 Cr 2,000 Piramal Finance Limited 9.3%
Debentures | -2% ₹200 Cr 20,000
↑ 20,000 182 Days Tbill
Sovereign Bonds | -2% ₹196 Cr 20,000,000 Indinfravit Trust
Debentures | -2% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹184 Cr 1,850 Vedanta Limited
Debentures | -2% ₹165 Cr 16,500 HDFC Credila Financial Services Ltd
Debentures | -2% ₹156 Cr 15,500
↓ -1,000 3. IDFC Cash Fund
CAGR/Annualized return of 7% since its launch. Ranked 26 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . IDFC Cash Fund
Growth Launch Date 4 Jun 08 NAV (12 Jun 25) ₹3,145.41 ↑ 0.31 (0.01 %) Net Assets (Cr) ₹13,496 on 30 Apr 25 Category Debt - Liquid Fund AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.73 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.05% Effective Maturity 2 Months 7 Days Modified Duration 2 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,317 31 May 22 ₹10,673 31 May 23 ₹11,334 31 May 24 ₹12,152 31 May 25 ₹13,023 Returns for IDFC Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 7.1% 3 Year 6.9% 5 Year 5.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4% 2019 6.3% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% Fund Manager information for IDFC Cash Fund
Name Since Tenure Harshal Joshi 15 Sep 15 9.72 Yr. Brijesh Shah 1 Dec 21 3.5 Yr. Data below for IDFC Cash Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 99.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 92.36% Corporate 7.4% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 Days Tbill Red 05-06-2025
Sovereign Bonds | -14% ₹2,113 Cr 212,000,000
↑ 2,000,000 Triparty Repo Trp_160525
CBLO/Reverse Repo | -6% ₹894 Cr Reliance Jio Infocomm Ltd.
Commercial Paper | -5% ₹747 Cr 75,000,000 National Bk For Agriculture & Rural Dev. **
Commercial Paper | -5% ₹697 Cr 70,000,000 Export-Import Bank of India
Commercial Paper | -5% ₹697 Cr 70,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹521 Cr 52,500,000 Reliance Industries Ltd.
Commercial Paper | -3% ₹496 Cr 50,000,000 Tata Steel Ltd.
Commercial Paper | -3% ₹493 Cr 50,000,000
↑ 50,000,000 Axis Bank Limited **
Net Current Assets | -3% ₹492 Cr 50,000,000
↑ 50,000,000 Small Industries Dev Bank Of India (05/06/2025) **
Commercial Paper | -3% ₹399 Cr 40,000,000 4. ICICI Prudential Ultra Short Term Fund
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% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (12 Jun 25) ₹27.6461 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹15,092 on 30 Apr 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.83 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 7.05% Effective Maturity 8 Months 8 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,557 31 May 22 ₹10,938 31 May 23 ₹11,616 31 May 24 ₹12,448 31 May 25 ₹13,394 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 25 Duration Returns 1 Month 0.9% 3 Month 2.3% 6 Month 4% 1 Year 7.7% 3 Year 7.1% 5 Year 6.1% 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 30 Apr 25
Asset Allocation
Asset Class Value Cash 45.16% Debt 54.6% Other 0.24% Debt Sector Allocation
Sector Value Corporate 58.73% Government 21.33% Cash Equivalent 19.69% Credit Quality
Rating Value AA 18.56% AAA 81.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -7% ₹1,102 Cr 109,000,000 LIC Housing Finance Limited
Debentures | -4% ₹602 Cr 6,000 182 Days Tbill
Sovereign Bonds | -3% ₹491 Cr 50,000,000 Bharti Telecom Limited
Debentures | -2% ₹347 Cr 34,500
↑ 2,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹308 Cr 30,500 Small Industries Development Bank Of India
Debentures | -2% ₹300 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹276 Cr 2,750
↑ 250 Larsen And Toubro Limited
Debentures | -2% ₹251 Cr 25,000 LIC Housing Finance Limited
Debentures | -1% ₹226 Cr 2,250 HDFC Bank Ltd.
Debentures | -1% ₹213 Cr 4,500 5. UTI Ultra Short Term Fund
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% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (12 Jun 25) ₹4,230.06 ↑ 0.48 (0.01 %) Net Assets (Cr) ₹4,131 on 30 Apr 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 1.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.95% Effective Maturity 5 Months 28 Days Modified Duration 5 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,425 31 May 22 ₹11,040 31 May 23 ₹11,696 31 May 24 ₹12,505 31 May 25 ₹13,419 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.1% 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 30 Apr 25
Asset Allocation
Asset Class Value Cash 72.58% Debt 27.23% Other 0.2% Debt Sector Allocation
Sector Value Corporate 51.01% Cash Equivalent 41.85% Government 6.94% Credit Quality
Rating Value AA 15.68% AAA 84.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹180 Cr 1,800 182 Days Tbill
Sovereign Bonds | -3% ₹147 Cr 1,500,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 182 Days Tbill
Sovereign Bonds | -2% ₹99 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000 Small Industries Development Bank Of India
Debentures | -2% ₹75 Cr 750 LIC Housing Finance Ltd
Debentures | -2% ₹75 Cr 750 Indian Bank
Domestic Bonds | -2% ₹71 Cr 750,000,000 Small Industries Development Bank Of India
Debentures | -1% ₹50 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹50 Cr 500 6. Invesco India Ultra Short Term Fund
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% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (12 Jun 25) ₹2,691.93 ↑ 0.43 (0.02 %) Net Assets (Cr) ₹1,130 on 15 Apr 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.69 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.88% Effective Maturity 5 Months 18 Days Modified Duration 5 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,354 31 May 22 ₹10,654 31 May 23 ₹11,277 31 May 24 ₹12,077 31 May 25 ₹12,978 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 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 15 Apr 25
Asset Allocation
Asset Class Value Cash 55.43% Debt 44.25% Other 0.32% Debt Sector Allocation
Sector Value Corporate 59.76% Cash Equivalent 28.11% Government 11.81% Credit Quality
Rating Value AA 29.71% AAA 70.29% 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 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 Ltd.
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 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000
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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