ریکرنگ ڈپازٹ (RD) کیا ہے؟

Updated on August 19, 2026 , 63900 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۔

Ready to Invest?
Talk to our investment specialist

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. 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 (₹18,189 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.24% (upper mid).
1M return: 0.51% (upper mid).
Sharpe: 0.81 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~67%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

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 (21 Aug 26)	₹588.769 ↓ -0.06 (-0.01 %)
Net Assets (Cr)	₹18,189 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,383
31 Jul 23	₹11,089
31 Jul 24	₹11,914
31 Jul 25	₹12,876
31 Jul 26	₹13,681

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 21 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	2%
6 Month	3.2%
1 Year	6.2%
3 Year	7.2%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	33.37%
Debt	66.63%

Debt Sector Allocation

Sector	Value
Corporate	71.59%
Government	18.6%
Cash Equivalent	9.81%

Credit Quality

Rating	Value
AA	32.96%
AAA	67.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹842 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹729 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹608 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Indusind Bank Ltd. Debentures \| -	2%	₹345 Cr	7,100
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

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

Bottom quartile AUM (₹11,659 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.09% (lower mid).
1M return: 0.49% (bottom quartile).
Sharpe: 0.72 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.31% (upper mid).
Modified duration: 0.47 yrs (lower mid).
Average maturity: 0.63 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.9%).

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 (21 Aug 26)	₹4,313.67 ↓ -0.17 (0.00 %)
Net Assets (Cr)	₹11,659 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	0.72
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.31%
Effective Maturity	7 Months 18 Days
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,380
31 Jul 23	₹11,041
31 Jul 24	₹11,814
31 Jul 25	₹12,676
31 Jul 26	₹13,448

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 21 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.2%
1 Year	6.1%
3 Year	6.8%
5 Year	6.1%
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	12.84 Yr.
Kinjal Desai	25 May 18	8.19 Yr.
Akshay Sharma	1 Dec 22	3.67 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

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

Asset Allocation

Asset Class	Value
Cash	50.19%
Debt	49.51%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	65.17%
Cash Equivalent	26.46%
Government	8.07%

Credit Quality

Rating	Value
AA	33.27%
AAA	66.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹397 Cr	40,000,000
Nirma Limited Debentures \| -	3%	₹347 Cr	34,600 ↑ 5,000
India (Republic of) - \| -	3%	₹274 Cr	27,500,000
Tbill Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400
Small Industries Development Bank of India Debentures \| -	2%	₹201 Cr	4,300
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000
HDFC Bank Ltd. Debentures \| -	2%	₹197 Cr	4,000
Axis Bank Ltd. Debentures \| -	2%	₹191 Cr	4,000 ↑ 4,000

3. 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 (₹15,708 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.91% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 0.40 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.23% (upper mid).
Modified duration: 0.43 yrs (upper mid).
Average maturity: 0.56 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~54%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.9%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (21 Aug 26)	₹45.8352 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹15,708 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	0.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.23%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,342
31 Jul 23	₹11,012
31 Jul 24	₹11,782
31 Jul 25	₹12,648
31 Jul 26	₹13,398

Kotak 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 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 21 Aug 26

Duration	Returns
1 Month	0.4%
3 Month	1.8%
6 Month	3%
1 Year	5.9%
3 Year	6.7%
5 Year	6%
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	18.31 Yr.
Manu Sharma	1 Nov 22	3.75 Yr.

Data below for Kotak Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	54.3%
Debt	45.39%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	60.1%
Government	20.04%
Cash Equivalent	19.54%

Credit Quality

Rating	Value
AA	18.3%
AAA	81.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹576 Cr	57,500
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹448 Cr	45,000,000
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹327 Cr	32,500,000
Mankind Pharma Limited Debentures \| -	2%	₹300 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹300 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹300 Cr	30,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹249 Cr	25,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹204 Cr	210
Vedanta Limited Debentures \| -	1%	₹201 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹200 Cr	20,000

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

Lower mid AUM (₹15,455 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.17% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 0.81 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.17% (lower mid).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.55 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 (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.1%).

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 (21 Aug 26)	₹29.7015 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹15,455 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	0.81
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	7.17%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,372
31 Jul 23	₹11,053
31 Jul 24	₹11,851
31 Jul 25	₹12,748
31 Jul 26	₹13,537

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 21 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.2%
1 Year	6.2%
3 Year	7%
5 Year	6.3%
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	9.71 Yr.
Ritesh Lunawat	15 Jun 17	9.13 Yr.

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

Asset Allocation

Asset Class	Value
Cash	78.34%
Debt	21.35%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	63.08%
Cash Equivalent	44.48%

Credit Quality

Rating	Value
AA	20.64%
AAA	79.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹494 Cr	50,000,000 ↑ 50,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹351 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹343 Cr	34,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹326 Cr	32,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
India (Republic of) - \| -	2%	₹296 Cr	30,000,000 ↑ 30,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹269 Cr	275 ↓ -25
Muthoot Finance Limited Debentures \| -	2%	₹251 Cr	25,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹242 Cr	5,000
Piramal Finance Limited Debentures \| -	1%	₹231 Cr	23,000

5. 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

Bottom quartile AUM (₹3,444 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.87% (bottom quartile).
1M return: 0.50% (upper mid).
Sharpe: 0.35 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.13% (bottom quartile).
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 (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~5.7%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (21 Aug 26)	₹4,528.37 ↓ -0.14 (0.00 %)
Net Assets (Cr)	₹3,444 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.35
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,608
31 Jul 23	₹11,279
31 Jul 24	₹12,065
31 Jul 25	₹12,941
31 Jul 26	₹13,697

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 21 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.1%
1 Year	5.9%
3 Year	6.7%
5 Year	6.5%
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
Anurag Mittal	21 Jul 26	0.03 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	57.89%
Debt	41.73%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	58.23%
Government	20.9%
Cash Equivalent	20.49%

Credit Quality

Rating	Value
AA	24.75%
AAA	75.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹196 Cr	2,000,000,000 ↑ 2,000,000,000
Axis Bank Ltd. Debentures \| -	4%	₹144 Cr	1,500,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	3%	₹100 Cr	1,000
Piramal Finance Limited Debentures \| -	3%	₹85 Cr	8,500
Nuvama Wealth Finance Limited Debentures \| -	2%	₹76 Cr	7,500
Godrej Properties Limited Debentures \| -	2%	₹75 Cr	7,500 ↑ 7,500
Bharti Telecom Limited Debentures \| -	2%	₹75 Cr	7,500
Piramal Finance Limited Debentures \| -	2%	₹75 Cr	7,500
TATA Communications Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500

6. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Liquid Fund

Upper mid AUM (₹16,809 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (top quartile).
1M return: 0.53% (top quartile).
Sharpe: 2.31 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.12% (bottom quartile).
Modified duration: 0.17 yrs (top quartile).
Average maturity: 0.17 yrs (top quartile).
Exit load: NIL.
Top sector: Consumer Defensive.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~6.9%).

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (21 Aug 26)	₹5,059.58 ↑ 0.68 (0.01 %)
Net Assets (Cr)	₹16,809 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	2.31
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	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,361
31 Jul 23	₹11,037
31 Jul 24	₹11,847
31 Jul 25	₹12,673
31 Jul 26	₹13,472

LIC MF Liquid 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 LIC MF 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 21 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.4%
2023	7.4%
2022	7%
2021	4.7%
2020	3.3%
2019	4.3%
2018	6.5%
2017	7.3%
2016	6.6%
2015	7.6%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	10.83 Yr.
Aakash Dhulia	1 Sep 25	0.91 Yr.

Data below for LIC MF Liquid Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	97.38%
Debt	2.43%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.11%
Government	13.97%
Corporate	4.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	7%	₹1,221 Cr
India (Republic of) - \| -	4%	₹672 Cr	67,500,000
India (Republic of) - \| -	3%	₹598 Cr	60,000,000
Axis Bank Ltd. Debentures \| -	3%	₹572 Cr	11,500 ↑ 6,500
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹496 Cr	10,000
NTPC Ltd. Commercial Paper \| -	3%	₹494 Cr	10,000
Motilal Oswal Financial Services Ltd Commercial Paper \| -	3%	₹494 Cr	10,000
Bank of Baroda Debentures \| -	2%	₹373 Cr	7,500 ↑ 2,500
Titan Co Ltd. Commercial Paper \| -	2%	₹371 Cr	7,500
India (Republic of) - \| -	2%	₹357 Cr	35,706,700

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۔