ریکرنگ ڈپازٹ (RD) کیا ہے؟

Updated on September 15, 2025 , 61911 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.

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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,388
31 Aug 22	₹10,824

IDBI 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 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. 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 (₹10,252 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 7.13% (upper mid).
1M return: 0.47% (bottom quartile).
Sharpe: 2.22 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.72% (upper mid).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.67 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 (~4.5%).

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 (17 Sep 25)	₹4,080.84 ↑ 0.91 (0.02 %)
Net Assets (Cr)	₹10,252 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	2.22
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.72%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,877
31 Aug 22	₹11,305
31 Aug 23	₹12,027
31 Aug 24	₹12,869
31 Aug 25	₹13,794

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.6%
1 Year	7.1%
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
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.93 Yr.
Kinjal Desai	25 May 18	7.28 Yr.
Akshay Sharma	1 Dec 22	2.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.78%
Debt	55.97%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	65.48%
Cash Equivalent	19.47%
Government	14.8%

Credit Quality

Rating	Value
AA	19.5%
AAA	80.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹488 Cr	48,500 ↑ 3,500
Power Finance Corporation Limited Debentures \| -	3%	₹353 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹227 Cr	22,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹202 Cr	20,000
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹199 Cr	20,000,000
India (Republic of) - \| -	2%	₹198 Cr	20,000,000 ↑ 20,000,000
364 DTB 27112025 Sovereign Bonds \| -	2%	₹197 Cr	20,000,000 ↑ 20,000,000
Piramal Finance Limited Debentures \| -	2%	₹196 Cr	19,500

3. 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% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper 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.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,338
31 Aug 22	₹10,745

IDBI Liquid 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 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. 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 (₹16,382 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.39% (upper mid).
1M return: 0.50% (lower mid).
Sharpe: 2.80 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.63% (lower mid).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.60 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~51%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.11% Govt Stock 2028 (~4.9%).

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 (17 Sep 25)	₹28.0809 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹16,382 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.8
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	6.63%
Effective Maturity	7 Months 6 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,458
31 Aug 22	₹10,855
31 Aug 23	₹11,576
31 Aug 24	₹12,413
31 Aug 25	₹13,338

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.8%
1 Year	7.4%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.8 Yr.
Ritesh Lunawat	15 Jun 17	8.22 Yr.

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

Asset Allocation

Asset Class	Value
Cash	51%
Debt	48.73%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.96%
Cash Equivalent	25.24%
Government	17.52%

Credit Quality

Rating	Value
AA	16.19%
AAA	83.81%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	5%	₹834 Cr	82,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹602 Cr	6,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹581 Cr	57,500
182 Days Tbill Sovereign Bonds \| -	3%	₹498 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹377 Cr	3,750
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	2%	₹276 Cr	27,500
Small Industries Development Bank Of India Debentures \| -	1%	₹252 Cr	25,000
Larsen And Toubro Limited Debentures \| -	1%	₹251 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	1%	₹226 Cr	2,250

5. 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 (₹20,795 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.89% (top quartile).
1M return: 0.53% (upper mid).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.60% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.59 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.9%).

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 (17 Sep 25)	₹556.343 ↑ 0.15 (0.03 %)
Net Assets (Cr)	₹20,795 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.76
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.6%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,454
31 Aug 22	₹10,863
31 Aug 23	₹11,610
31 Aug 24	₹12,473
31 Aug 25	₹13,462

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4.1%
1 Year	7.9%
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
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.21 Yr.
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Monika Gandhi	22 Mar 21	4.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	43.54%
Debt	56.21%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	63.99%
Cash Equivalent	23.22%
Government	12.53%

Credit Quality

Rating	Value
AA	30.21%
AAA	69.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹488 Cr	48,500
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹415 Cr	42,000,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹378 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹361 Cr	3,600
Mankind Pharma Limited Debentures \| -	2%	₹349 Cr	34,500
Bharti Telecom Limited Debentures \| -	1%	₹321 Cr	3,200
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹316 Cr	3,150
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

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 (₹4,337 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.02% (lower mid).
1M return: 0.49% (bottom quartile).
Sharpe: 2.14 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.42% (bottom quartile).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.53 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding Small Industries Development Bank Of India (~4.4%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (17 Sep 25)	₹4,293.05 ↑ 1.09 (0.03 %)
Net Assets (Cr)	₹4,337 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	2.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.42%
Effective Maturity	6 Months 10 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,383
31 Aug 22	₹11,029
31 Aug 23	₹11,734
31 Aug 24	₹12,552
31 Aug 25	₹13,447

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 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.6%
1 Year	7%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.61 Yr.

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

Asset Allocation

Asset Class	Value
Cash	56.47%
Debt	43.23%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	66.15%
Cash Equivalent	25.23%
Government	8.32%

Credit Quality

Rating	Value
AA	13.65%
AAA	86.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹180 Cr	1,800
Shriram Finance Limited Debentures \| -	2%	₹101 Cr	10,000 ↑ 5,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	10,000
LIC Housing Finance Ltd Debentures \| -	2%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	2%	₹100 Cr	1,000,000,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹99 Cr	1,000,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹76 Cr	750 ↓ -250
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000
LIC Housing Finance Ltd Debentures \| -	1%	₹51 Cr	500

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۔