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۔
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۔
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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۔
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 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
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!
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۔
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. Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Research Highlights for Nippon India Ultra Short Duration Fund Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on 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 Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. Research Highlights for ICICI Prudential Ultra Short Term Fund Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on 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 Below is the key information for Aditya Birla Sun Life Savings 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. Research Highlights for UTI Ultra Short Term Fund Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on 1. 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 Returns for IDBI Ultra Short Term Fund
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
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (02 Sep 25) ₹4,072.07 ↑ 0.16 (0.00 %) 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 Returns for Nippon India Ultra Short Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.7% 1 Year 7.2% 3 Year 6.9% 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 11.93 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
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 Returns for IDBI Liquid Fund
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
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (02 Sep 25) ₹28.0172 ↑ 0.00 (0.00 %) 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 Returns for ICICI Prudential Ultra Short Term Fund
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 3.9% 1 Year 7.4% 3 Year 7.1% 5 Year 5.9% 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 8.8 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
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (02 Sep 25) ₹554.986 ↑ 0.08 (0.01 %) 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 Returns for Aditya Birla Sun Life Savings Fund
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 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 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 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
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (02 Sep 25) ₹4,283.67 ↑ 0.20 (0.00 %) 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 Returns for UTI Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.6% 1 Year 7.1% 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 0.61 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
Research Highlights for IDBI Ultra Short Term Fund