ریکرنگ ڈپازٹ (RD) کیا ہے؟

Updated on February 17, 2026 , 62754 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. DSP Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP Money Manager Fund

Bottom quartile AUM (₹3,547 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.42% (bottom quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 0.90 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.36% (top quartile).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.62 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~51%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.0%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (18 Feb 26)	₹3,523.95 ↓ -0.07 (0.00 %)
Net Assets (Cr)	₹3,547 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.9
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.36%
Effective Maturity	7 Months 13 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,306
31 Jan 23	₹10,747
31 Jan 24	₹11,473
31 Jan 25	₹12,266
31 Jan 26	₹13,049

DSP Money Manager 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 DSP Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	1.2%
6 Month	2.6%
1 Year	6.4%
3 Year	6.7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	6.9%
2022	6.7%
2021	4.1%
2020	2.9%
2019	4.7%
2018	7.3%
2017	5%
2016	6%
2015	7.5%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.67 Yr.
Shalini Vasanta	1 Jan 25	1.08 Yr.

Data below for DSP Money Manager Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	50.56%
Debt	48.98%
Other	0.46%

Debt Sector Allocation

Sector	Value
Corporate	67.98%
Cash Equivalent	20.14%
Government	11.42%

Credit Quality

Rating	Value
AA	19.85%
AAA	80.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹176 Cr	17,000
5.63% Gs 2026 Sovereign Bonds \| -	5%	₹163 Cr	16,000,000 ↓ -1,500,000
Godrej Properties Limited Debentures \| -	4%	₹131 Cr	12,500
Piramal Finance Limited Debentures \| -	3%	₹103 Cr	10,000
Aadhar Housing Finance Limited Debentures \| -	3%	₹103 Cr	9,700
Aditya Birla Renewables Limited Debentures \| -	2%	₹78 Cr	7,500
Rec Limited Debentures \| -	2%	₹77 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹77 Cr	7,500
National Housing Bank Debentures \| -	1%	₹52 Cr	5,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	1%	₹52 Cr	5,000

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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Highest AUM (₹17,808 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.88% (top quartile).
1M return: 0.60% (upper mid).
Sharpe: 2.06 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.31% (upper mid).
Modified duration: 0.43 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 (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.5%).

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 (18 Feb 26)	₹28.7729 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹17,808 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.06
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	7.31%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,412
31 Jan 23	₹10,907
31 Jan 24	₹11,672
31 Jan 25	₹12,538
31 Jan 26	₹13,391

ICICI Prudential 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 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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.9%
1 Year	6.9%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.22 Yr.
Ritesh Lunawat	15 Jun 17	8.64 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	79.06%
Debt	20.67%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	57.59%
Cash Equivalent	51.73%

Credit Quality

Rating	Value
AA	17.57%
AAA	82.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹450 Cr	450
Vedanta Limited Debentures \| -	2%	₹351 Cr	35,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	2%	₹311 Cr	30,843,000
Muthoot Finance Limited Debentures \| -	2%	₹303 Cr	30,000
Axis Bank Ltd. Debentures \| -	2%	₹281 Cr	6,000
Piramal Finance Limited Debentures \| -	1%	₹247 Cr	24,500 ↓ -3,000
Bank of Baroda Debentures \| -	1%	₹235 Cr	5,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹234 Cr	5,000
Indusind Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000
LIC Housing Finance Ltd Debentures \| -	1%	₹225 Cr	2,250

3. 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 (₹3,751 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.43% (lower mid).
1M return: 0.58% (bottom quartile).
Sharpe: 1.15 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 0.41 yrs (upper mid).
Average maturity: 0.50 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding 18/06/2026 Maturing 182 DTB (~7.6%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (18 Feb 26)	₹4,391.78 ↑ 0.08 (0.00 %)
Net Assets (Cr)	₹3,751 on 15 Feb 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	1.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.21%
Effective Maturity	5 Months 30 Days
Modified Duration	4 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,616
31 Jan 23	₹11,089
31 Jan 24	₹11,847
31 Jan 25	₹12,696
31 Jan 26	₹13,505

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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.7%
1 Year	6.4%
3 Year	6.8%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Abhishek Sonthalia	10 Nov 25	0.23 Yr.

Data below for UTI Ultra Short Term Fund as on 15 Feb 26

Asset Allocation

Asset Class	Value
Cash	58.29%
Debt	41.38%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	53.14%
Cash Equivalent	33.69%
Government	12.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	8%	₹294 Cr	3,000,000,000 ↑ 3,000,000,000
09/04/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹149 Cr	1,500,000,000
Shriram Finance Limited Debentures \| -	3%	₹100 Cr	10,000
DBS Bank India Ltd. Debentures \| -	3%	₹100 Cr	1,000,000,000
Piramal Finance Limited Debentures \| -	2%	₹86 Cr	8,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500 ↓ -2,500
Canara Bank Domestic Bonds \| -	2%	₹75 Cr	750,000,000
Indian Bank Domestic Bonds \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500

4. 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.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹16,788 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.66% (upper mid).
1M return: 0.59% (upper mid).
Sharpe: 1.52 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 0.46 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 (~61%).
High-quality debt (AAA/AA ~100%).
Largest holding Bajaj Housing Finance Limited (~3.8%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (18 Feb 26)	₹44.4766 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹16,788 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.52
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,339
31 Jan 23	₹10,818
31 Jan 24	₹11,564
31 Jan 25	₹12,397
31 Jan 26	₹13,212

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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	6.7%
3 Year	6.9%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.81 Yr.
Manu Sharma	1 Nov 22	3.25 Yr.

Data below for Kotak Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	60.85%
Debt	38.88%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	45.7%
Cash Equivalent	41.32%
Government	12.71%

Credit Quality

Rating	Value
AA	14.16%
AAA	85.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹642 Cr	6,420
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹578 Cr	57,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹571 Cr	57,050
Rec Limited Debentures \| -	2%	₹400 Cr	40,000 ↓ -7,500
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹308 Cr	31,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹246 Cr	25,000,000
Bank of Baroda Debentures \| -	1%	₹245 Cr	25,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹209 Cr	210

5. 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 (₹10,488 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.62% (upper mid).
1M return: 0.62% (top quartile).
Sharpe: 1.65 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.06% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.67 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~48%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/03/2026 Maturing 182 DTB (~2.8%).

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 (18 Feb 26)	₹4,179.65 ↑ 0.02 (0.00 %)
Net Assets (Cr)	₹10,488 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	1.65
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	8 Months 3 Days
Modified Duration	5 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,797
31 Jan 23	₹11,304
31 Jan 24	₹12,070
31 Jan 25	₹12,941
31 Jan 26	₹13,788

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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.8%
1 Year	6.6%
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	6.8%
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.34 Yr.
Kinjal Desai	25 May 18	7.69 Yr.
Akshay Sharma	1 Dec 22	3.17 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	47.86%
Debt	51.84%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	57.79%
Cash Equivalent	38.01%
Government	3.19%
Securitized	0.72%

Credit Quality

Rating	Value
AA	28.52%
AAA	71.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/03/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹298 Cr	30,000,000 ↑ 30,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹285 Cr	28,500 ↓ -20,000
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹225 Cr	22,500
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹212 Cr	21,500,000 ↑ 21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹200 Cr	20,000
Rec Limited Debentures \| -	2%	₹200 Cr	20,000 ↑ 20,000
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000

6. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Canara Robeco Ultra Short Term Fund

Bottom quartile AUM (₹471 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.24% (bottom quartile).
1M return: 0.59% (lower mid).
Sharpe: 0.37 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.03% (bottom quartile).
Modified duration: 0.41 yrs (top quartile).
Average maturity: 1.25 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~35%).
High-quality debt (AAA/AA ~100%).
Largest holding Goi Floating Rate Bond 2033 (~11.0%).

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund Growth
Launch Date	14 Jul 08
NAV (18 Feb 26)	₹3,929.53 ↓ -0.02 (0.00 %)
Net Assets (Cr)	₹471 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.94
Sharpe Ratio	0.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.03%
Effective Maturity	1 Year 3 Months
Modified Duration	4 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,275
31 Jan 23	₹10,703
31 Jan 24	₹11,391
31 Jan 25	₹12,162
31 Jan 26	₹12,908

Canara Robeco 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 Canara Robeco 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 18 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.2%
6 Month	2.6%
1 Year	6.2%
3 Year	6.5%
5 Year	5.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	6.8%
2022	6.4%
2021	3.9%
2020	2.6%
2019	4.5%
2018	6.6%
2017	6.1%
2016	5.7%
2015	7.3%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	3.84 Yr.
Kunal Jain	16 Sep 24	1.38 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	34.96%
Debt	64.67%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	66.13%
Government	25.37%
Cash Equivalent	8.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Goi Floating Rate Bond 2033 Sovereign Bonds \| -	11%	₹52 Cr	5,000,000 ↑ 2,500,000
Union Bank of India Domestic Bonds \| -	9%	₹44 Cr	900
Kotak Mahindra Prime Limited Debentures \| -	5%	₹25 Cr	2,500
Rec Limited Debentures \| -	5%	₹25 Cr	2,500
Power Finance Corporation Limited Debentures \| -	5%	₹25 Cr	250
Small Industries Development Bank Of India Debentures \| -	5%	₹25 Cr	2,500
LIC Housing Finance Ltd Debentures \| -	5%	₹25 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹24 Cr	2,400
Power Finance Corporation Limited Debentures \| -	4%	₹20 Cr	2,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹20 Cr	2,000

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۔