SIP 2022 میں سرمایہ کاری کے لیے 8 بہترین شارٹ ٹرم میوچل فنڈز

Updated on September 1, 2025 , 43629 views

قلیل مدتباہمی چندہ کی ایک قسم ہیںقرض فنڈ جو سرمایہ کاروں کو مختصر مدت کے لیے، یعنی 1-3 سال تک سرمایہ کاری کرنے کی اجازت دیتا ہے۔ یہ فنڈز ڈیٹ سیکیورٹیز میں سرمایہ کاری کرتے ہیں اور بہتر منافع حاصل کرنے کے لیے فکسڈ ڈپازٹ کے متبادل کی تلاش میں سرمایہ کاروں کے لیے مثالی ہیں۔ یہ فنڈز عام طور پر قرض کے آلات میں سرمایہ کاری کرتے ہیں جیسے کہ aجمع کروانے کی رسید، سرکاری کاغذ اور کارپوریٹ کاغذ۔مختصر مدت کے قرض فنڈز زیادہ لچک کی اجازت دیں. سرمایہ کار جب بھی ضرورت ہو فنڈ سے باہر نکل سکتے ہیں۔ اس کے علاوہ، دوسرے کے برعکسمیوچل فنڈز کی اقساماس فنڈ میں کوئی رقم نکالنے کے چارجز نہیں ہیں۔بہترین قلیل مدتی میوچل فنڈز سرمایہ کاروں کو کم کے ساتھ اچھا منافع کمانے کی اجازت دیں۔مارکیٹ خطرہ لہذا، سرمایہ کار جو مختصر یا درمیانی مدت کے لیے سرمایہ کاری کرنا چاہتے ہیں وہ اس اسکیم میں سرمایہ کاری کر سکتے ہیں اور قیمتی منافع اور ترقی حاصل کر سکتے ہیں۔

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SIP سرمایہ کاری مالی سال 22 - 23 کے لیے سرفہرست 8 بہترین کارکردگی کا مظاہرہ کرنے والے شارٹ ٹرم ڈیبٹ فنڈز

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Short Term Fund Growth	₹60.8109 ↑ 0.04	₹22,070	1,000	1.1	4.5	8.2	7.7	7.8	7.11%	2Y 2M 5D	4Y 25D
HDFC Short Term Debt Fund Growth	₹32.3498 ↑ 0.01	₹18,143	300	0.8	4.5	8.2	7.6	8.3	6.8%	2Y 4M 10D	3Y 6M 25D
Axis Short Term Fund Growth	₹31.2592 ↑ 0.01	₹11,760	1,000	1	4.7	8.5	7.4	8	6.76%	2Y 2M 5D	2Y 10M 20D
Nippon India Short Term Fund Growth	₹53.3064 ↑ 0.01	₹8,739	100	0.7	4.5	8.3	7.4	8	6.93%	2Y 7M 24D	3Y 4M 2D
UTI Short Term Income Fund Growth	₹32.0269 ↑ 0.01	₹3,296	500	0.8	4.3	8	7.3	7.9	6.75%	2Y 6M 29D	3Y 3M 4D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹48.0294 ↑ 0.02	₹10,524	1,000	0.7	4.4	8.1	7.3	7.9	6.93%	2Y 8M 26D	3Y 7M 6D
SBI Short Term Debt Fund Growth	₹32.4539 ↑ 0.01	₹16,453	500	0.8	4.5	8.2	7.3	7.7	6.87%	2Y 8M 23D	3Y 4M 20D
Baroda Pioneer Short Term Bond Fund Growth	₹29.5106 ↑ 0.01	₹290	500	0.6	4.4	8	7.3	7.7	0%
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	ICICI Prudential Short Term Fund	HDFC Short Term Debt Fund	Axis Short Term Fund	Nippon India Short Term Fund	UTI Short Term Income Fund	Aditya Birla Sun Life Short Term Opportunities Fund	SBI Short Term Debt Fund	Baroda Pioneer Short Term Bond Fund
Point 1	Highest AUM (₹22,070 Cr).	Top quartile AUM (₹18,143 Cr).	Upper mid AUM (₹11,760 Cr).	Lower mid AUM (₹8,739 Cr).	Bottom quartile AUM (₹3,296 Cr).	Lower mid AUM (₹10,524 Cr).	Upper mid AUM (₹16,453 Cr).	Bottom quartile AUM (₹290 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (17+ yrs).	Established history (22+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.
Point 5	1Y return: 8.16% (lower mid).	1Y return: 8.20% (upper mid).	1Y return: 8.53% (top quartile).	1Y return: 8.30% (top quartile).	1Y return: 8.01% (bottom quartile).	1Y return: 8.11% (lower mid).	1Y return: 8.19% (upper mid).	1Y return: 8.03% (bottom quartile).
Point 6	1M return: 0.08% (top quartile).	1M return: 0.03% (lower mid).	1M return: 0.08% (top quartile).	1M return: -0.07% (bottom quartile).	1M return: 0.04% (upper mid).	1M return: -0.05% (bottom quartile).	1M return: 0.03% (upper mid).	1M return: -0.04% (lower mid).
Point 7	Sharpe: 2.15 (top quartile).	Sharpe: 2.01 (upper mid).	Sharpe: 2.19 (top quartile).	Sharpe: 1.99 (upper mid).	Sharpe: 1.77 (bottom quartile).	Sharpe: 1.86 (lower mid).	Sharpe: 1.89 (lower mid).	Sharpe: 1.64 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.11% (top quartile).	Yield to maturity (debt): 6.80% (lower mid).	Yield to maturity (debt): 6.76% (lower mid).	Yield to maturity (debt): 6.93% (top quartile).	Yield to maturity (debt): 6.75% (bottom quartile).	Yield to maturity (debt): 6.93% (upper mid).	Yield to maturity (debt): 6.87% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).
Point 10	Modified duration: 2.18 yrs (top quartile).	Modified duration: 2.36 yrs (upper mid).	Modified duration: 2.18 yrs (upper mid).	Modified duration: 2.65 yrs (lower mid).	Modified duration: 2.58 yrs (lower mid).	Modified duration: 2.74 yrs (bottom quartile).	Modified duration: 2.73 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).

ICICI Prudential Short Term Fund

Highest AUM (₹22,070 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.16% (lower mid).
1M return: 0.08% (top quartile).
Sharpe: 2.15 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.11% (top quartile).
Modified duration: 2.18 yrs (top quartile).

HDFC Short Term Debt Fund

Top quartile AUM (₹18,143 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.20% (upper mid).
1M return: 0.03% (lower mid).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.80% (lower mid).
Modified duration: 2.36 yrs (upper mid).

Axis Short Term Fund

Upper mid AUM (₹11,760 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.53% (top quartile).
1M return: 0.08% (top quartile).
Sharpe: 2.19 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (lower mid).
Modified duration: 2.18 yrs (upper mid).

Nippon India Short Term Fund

Lower mid AUM (₹8,739 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.30% (top quartile).
1M return: -0.07% (bottom quartile).
Sharpe: 1.99 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (top quartile).
Modified duration: 2.65 yrs (lower mid).

UTI Short Term Income Fund

Bottom quartile AUM (₹3,296 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.01% (bottom quartile).
1M return: 0.04% (upper mid).
Sharpe: 1.77 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.75% (bottom quartile).
Modified duration: 2.58 yrs (lower mid).

Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,524 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.11% (lower mid).
1M return: -0.05% (bottom quartile).
Sharpe: 1.86 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (upper mid).
Modified duration: 2.74 yrs (bottom quartile).

SBI Short Term Debt Fund

Upper mid AUM (₹16,453 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.19% (upper mid).
1M return: 0.03% (upper mid).
Sharpe: 1.89 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 2.73 yrs (bottom quartile).

Baroda Pioneer Short Term Bond Fund

Bottom quartile AUM (₹290 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.03% (bottom quartile).
1M return: -0.04% (lower mid).
Sharpe: 1.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

*اوپر بہترین کی فہرست ہے۔قلیل مدتی قرض اوپر AUM/نیٹ اثاثے رکھنے والے فنڈز100 کروڑ. پر ترتیب دیا گیاآخری 3 سال کی واپسی۔.

1. ICICI Prudential Short Term Fund

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

Research Highlights for ICICI Prudential Short Term Fund

Highest AUM (₹22,070 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.16% (lower mid).
1M return: 0.08% (top quartile).
Sharpe: 2.15 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.11% (top quartile).
Modified duration: 2.18 yrs (top quartile).
Average maturity: 4.07 yrs (bottom quartile).
Exit load: 0-7 Days (0.25%),7 Days and above(NIL).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.81% Govt Stock 2033 (~5.2%).

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (03 Sep 25)	₹60.8109 ↑ 0.04 (0.06 %)
Net Assets (Cr)	₹22,070 on 31 Jul 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.04
Sharpe Ratio	2.15
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity	7.11%
Effective Maturity	4 Years 25 Days
Modified Duration	2 Years 2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,597
31 Aug 22	₹10,986
31 Aug 23	₹11,777
31 Aug 24	₹12,675
31 Aug 25	₹13,707

ICICI Prudential 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 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 3 Sep 25

Duration	Returns
1 Month	0.1%
3 Month	1.1%
6 Month	4.5%
1 Year	8.2%
3 Year	7.7%
5 Year	6.4%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.7%
2021	3.9%
2020	10.6%
2019	9.7%
2018	5.8%
2017	5.9%
2016	11.1%
2015	8%

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	15.79 Yr.
Nikhil Kabra	29 Dec 20	4.68 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.19%
Debt	94.54%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.78%
Government	30.62%
Cash Equivalent	4.32%

Credit Quality

Rating	Value
AA	19.36%
AAA	80.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.81% Govt Stock 2033 Sovereign Bonds \| -	5%	₹1,157 Cr	111,312,240
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹839 Cr	82,160,010 ↑ 45,314,000
LIC Housing Finance Ltd Debentures \| -	3%	₹762 Cr	75,000
6.99% Govt Stock 2034 Sovereign Bonds \| -	3%	₹710 Cr	69,574,740
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹514 Cr	50,500
Vedanta Limited Debentures \| -	2%	₹512 Cr	51,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹454 Cr	45,000 ↓ -10,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹403 Cr	38,858,430
Small Industries Development Bank Of India Debentures \| -	2%	₹374 Cr	37,000
Small Industries Development Bank Of India Debentures \| -	2%	₹368 Cr	36,500

2. HDFC Short Term Debt Fund

(Erstwhile HDFC Short Term Opportunities Fund)

To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months.

Research Highlights for HDFC Short Term Debt Fund

Top quartile AUM (₹18,143 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.20% (upper mid).
1M return: 0.03% (lower mid).
Sharpe: 2.01 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.80% (lower mid).
Modified duration: 2.36 yrs (upper mid).
Average maturity: 3.57 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~4.7%).

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (03 Sep 25)	₹32.3498 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹18,143 on 31 Jul 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.69
Sharpe Ratio	2.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	3 Years 6 Months 25 Days
Modified Duration	2 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,600
31 Aug 22	₹10,900
31 Aug 23	₹11,630
31 Aug 24	₹12,550
31 Aug 25	₹13,583

HDFC Short Term Debt 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 HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0%
3 Month	0.8%
6 Month	4.5%
1 Year	8.2%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.1%
2022	3.5%
2021	3.9%
2020	11%
2019	9.7%
2018	7%
2017	6.5%
2016	9.3%
2015	8.7%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	15.2 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	11.3%
Debt	88.44%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	64.34%
Government	29.44%
Cash Equivalent	5.96%

Credit Quality

Rating	Value
AA	11.55%
AAA	88.45%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	5%	₹857 Cr	82,500,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹441 Cr	43,500
7.11% Govt Stock 2028 Sovereign Bonds \| -	2%	₹420 Cr	41,500,000
Jubilant Beverages Limited Debentures \| -	2%	₹398 Cr	38,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	2%	₹361 Cr	34,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹333 Cr	32,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹257 Cr	25,000
Bajaj Housing Finance Limited Debentures \| -	1%	₹255 Cr	25,000
Pipeline Infrastructure Limited Debentures \| -	1%	₹254 Cr	24,500
TATA Communications Limited Debentures \| -	1%	₹250 Cr	25,000 ↑ 25,000

3. Axis Short Term Fund

To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Short Term Fund

Upper mid AUM (₹11,760 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 8.53% (top quartile).
1M return: 0.08% (top quartile).
Sharpe: 2.19 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (lower mid).
Modified duration: 2.18 yrs (upper mid).
Average maturity: 2.89 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.28% Goi 2032 (14-Jul-2032) (~2.7%).

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (03 Sep 25)	₹31.2592 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹11,760 on 31 Jul 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.88
Sharpe Ratio	2.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	2 Years 10 Months 20 Days
Modified Duration	2 Years 2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,530
31 Aug 22	₹10,846
31 Aug 23	₹11,526
31 Aug 24	₹12,394
31 Aug 25	₹13,452

Axis 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 Axis 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 3 Sep 25

Duration	Returns
1 Month	0.1%
3 Month	1%
6 Month	4.7%
1 Year	8.5%
3 Year	7.4%
5 Year	6%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.7%
2021	3.5%
2020	10.1%
2019	9.8%
2018	6.3%
2017	5.9%
2016	9.6%
2015	8.1%

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.83 Yr.
Aditya Pagaria	3 Jul 23	2.17 Yr.

Data below for Axis Short Term Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	18.3%
Debt	81.44%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	69.12%
Government	20.8%
Cash Equivalent	9.82%

Credit Quality

Rating	Value
AA	12.65%
AAA	87.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.28% Goi 2032 (14-Jul-2032) Sovereign Bonds \| -	3%	₹325 Cr	32,737,200 ↑ 32,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹299 Cr	30,000
Rec Limited Debentures \| -	2%	₹233 Cr	22,954 ↓ -400
6.79% Govt Stock 2034 Sovereign Bonds \| -	2%	₹216 Cr	21,126,700 ↑ 8,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹214 Cr	21,000 ↓ -5,000
6.79% Govt Stock 2031 Sovereign Bonds \| -	2%	₹194 Cr	19,000,000 ↑ 9,000,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹193 Cr	19,000
Tata Capital Limited Debentures \| -	1%	₹177 Cr	1,750
Small Industries Development Bank Of India Debentures \| -	1%	₹156 Cr	15,500 ↓ -2,000
Small Industries Development Bank Of India Debentures \| -	1%	₹153 Cr	15,000

4. Nippon India Short Term Fund

The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securitites of a short term maturity.

Research Highlights for Nippon India Short Term Fund

Lower mid AUM (₹8,739 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.30% (top quartile).
1M return: -0.07% (bottom quartile).
Sharpe: 1.99 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.93% (top quartile).
Modified duration: 2.65 yrs (lower mid).
Average maturity: 3.34 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.32% Govt Stock 2030 (~5.6%).

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (03 Sep 25)	₹53.3064 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹8,739 on 31 Jul 25
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.99
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.93%
Effective Maturity	3 Years 4 Months 2 Days
Modified Duration	2 Years 7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,639
31 Aug 22	₹10,923
31 Aug 23	₹11,599
31 Aug 24	₹12,474
31 Aug 25	₹13,515

Nippon India 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 Nippon India 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 3 Sep 25

Duration	Returns
1 Month	-0.1%
3 Month	0.7%
6 Month	4.5%
1 Year	8.3%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.2%
2021	4.4%
2020	9.5%
2019	9.4%
2018	5.5%
2017	5.7%
2016	9.8%
2015	8.1%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.59 Yr.
Kinjal Desai	25 May 18	7.28 Yr.
Sushil Budhia	31 Mar 21	4.42 Yr.

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

Asset Allocation

Asset Class	Value
Cash	6.92%
Debt	92.82%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	57.61%
Government	37.93%
Cash Equivalent	4.2%

Credit Quality

Rating	Value
AA	11.69%
AAA	88.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	6%	₹503 Cr	48,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	5%	₹483 Cr	46,500,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	5%	₹413 Cr	40,000,000 ↑ 10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹224 Cr	22,000
7.17 Madhya Pradesh SDL 2031 Sovereign Bonds \| -	2%	₹209 Cr	20,500,000
Aditya Birla Housing Finance Limited Debentures \| -	2%	₹203 Cr	20,000
Axis Bank Ltd. Debentures \| -	2%	₹188 Cr	4,000 ↑ 4,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹175 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹170 Cr	16,500
Small Industries Development Bank Of India Debentures \| -	2%	₹170 Cr	16,500

5. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Short Term Income Fund

Bottom quartile AUM (₹3,296 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.01% (bottom quartile).
1M return: 0.04% (upper mid).
Sharpe: 1.77 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.75% (bottom quartile).
Modified duration: 2.58 yrs (lower mid).
Average maturity: 3.26 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~9.5%).

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (03 Sep 25)	₹32.0269 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹3,296 on 31 Jul 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.85
Sharpe Ratio	1.77
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.75%
Effective Maturity	3 Years 3 Months 4 Days
Modified Duration	2 Years 6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,547
31 Aug 22	₹11,360
31 Aug 23	₹12,086
31 Aug 24	₹12,997
31 Aug 25	₹14,041

UTI Short Term Income 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 Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0%
3 Month	0.8%
6 Month	4.3%
1 Year	8%
3 Year	7.3%
5 Year	6.9%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%
2015	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Anurag Mittal	8 Apr 25	0.4 Yr.
Sudhir Agarwal	25 Oct 12	12.86 Yr.

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

Asset Allocation

Asset Class	Value
Cash	14.23%
Debt	85.5%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	64.48%
Government	29.76%
Cash Equivalent	5.49%

Credit Quality

Rating	Value
AA	10.24%
AAA	89.76%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	9%	₹311 Cr	3,050,000,000
National Housing Bank Debentures \| -	5%	₹178 Cr	17,500
LIC Housing Finance Ltd Debentures \| -	5%	₹178 Cr	1,750
Small Industries Development Bank Of India Debentures \| -	5%	₹178 Cr	17,500
Power Finance Corporation Limited Debentures \| -	5%	₹177 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹143 Cr	14,000
Export Import Bank Of India Debentures \| -	4%	₹127 Cr	12,500
Bajaj Finance Limited Debentures \| -	2%	₹76 Cr	7,500
Kotak Mahindra Prime Limited Debentures \| -	2%	₹76 Cr	750
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹76 Cr	7,500 ↓ -5,000

6. Aditya Birla Sun Life Short Term Opportunities Fund

An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating.

Research Highlights for Aditya Birla Sun Life Short Term Opportunities Fund

Lower mid AUM (₹10,524 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.11% (lower mid).
1M return: -0.05% (bottom quartile).
Sharpe: 1.86 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.93% (upper mid).
Modified duration: 2.74 yrs (bottom quartile).
Average maturity: 3.60 yrs (bottom quartile).
Exit load: 0-90 Days (0.5%),90 Days and above(NIL).
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Rec Limited (~4.4%).

Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund

Aditya Birla Sun Life Short Term Opportunities Fund Growth
Launch Date	9 May 03
NAV (03 Sep 25)	₹48.0294 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹10,524 on 31 Jul 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1
Sharpe Ratio	1.86
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity	6.93%
Effective Maturity	3 Years 7 Months 6 Days
Modified Duration	2 Years 8 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,689
31 Aug 22	₹11,055
31 Aug 23	₹11,763
31 Aug 24	₹12,639
31 Aug 25	₹13,663

Aditya Birla Sun Life Short Term Opportunities 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 Short Term Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0%
3 Month	0.7%
6 Month	4.4%
1 Year	8.1%
3 Year	7.3%
5 Year	6.4%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	4.2%
2021	3.8%
2020	11.1%
2019	8.5%
2018	6.5%
2017	5.6%
2016	11.3%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund

Name	Since	Tenure
Kaustubh Gupta	11 Sep 14	10.98 Yr.
Mohit Sharma	6 Aug 20	5.07 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	5.81%
Debt	93.91%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	56.69%
Government	37.92%
Cash Equivalent	5.12%

Credit Quality

Rating	Value
AA	15.13%
AAA	84.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	4%	₹457 Cr	45,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹433 Cr	42,500
Power Grid Corporation Of India Limited Debentures \| -	4%	₹424 Cr	42,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹422 Cr	42,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹417 Cr	41,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹349 Cr	35,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	3%	₹306 Cr	29,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹271 Cr	27,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹243 Cr	23,406,400
Small Industries Development Bank Of India Debentures \| -	2%	₹239 Cr	23,500

7. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

Research Highlights for SBI Short Term Debt Fund

Upper mid AUM (₹16,453 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.19% (upper mid).
1M return: 0.03% (upper mid).
Sharpe: 1.89 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (upper mid).
Modified duration: 2.73 yrs (bottom quartile).
Average maturity: 3.39 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~93%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~5.7%).

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (03 Sep 25)	₹32.4539 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹16,453 on 31 Jul 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.89
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	3 Years 4 Months 20 Days
Modified Duration	2 Years 8 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,505
31 Aug 22	₹10,769
31 Aug 23	₹11,459
31 Aug 24	₹12,297
31 Aug 25	₹13,306

SBI Short Term Debt 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 SBI Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0%
3 Month	0.8%
6 Month	4.5%
1 Year	8.2%
3 Year	7.3%
5 Year	5.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	6.7%
2022	3.5%
2021	2.8%
2020	9.9%
2019	9.5%
2018	6%
2017	5.7%
2016	9.9%
2015	8.2%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Mansi Sajeja	1 Dec 23	1.75 Yr.

Data below for SBI Short Term Debt Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	7.07%
Debt	92.66%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	70.66%
Government	26.19%
Cash Equivalent	2.88%

Credit Quality

Rating	Value
AA	13.86%
AAA	86.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	6%	₹919 Cr	90,000,000 ↑ 25,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	4%	₹685 Cr	66,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹508 Cr	50,000
Rec Limited Debentures \| -	3%	₹508 Cr	50,000
08.32 RJ Sdl 2029 Sovereign Bonds \| -	3%	₹474 Cr	45,000,000
TATA Communications Limited Debentures \| -	2%	₹404 Cr	40,000
Small Industries Development Bank Of India Debentures \| -	2%	₹356 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹331 Cr	32,500 ↑ 12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹330 Cr	32,500
Hindustan Petroleum Corporation Limited Debentures \| -	2%	₹325 Cr	32,500

8. Baroda Pioneer Short Term Bond Fund

The objective of the Scheme is to generate income from a portfolio constituted of short term debt and money market securities.

Research Highlights for Baroda Pioneer Short Term Bond Fund

Bottom quartile AUM (₹290 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 8.03% (bottom quartile).
1M return: -0.04% (lower mid).
Sharpe: 1.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: 0-15 Days (0.25%),15 Days and above(NIL).
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.18% Govt Stock 2033 (~6.1%).

Below is the key information for Baroda Pioneer Short Term Bond Fund

Baroda Pioneer Short Term Bond Fund Growth
Launch Date	30 Jun 10
NAV (03 Sep 25)	₹29.5106 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹290 on 31 Jul 25
Category	Debt - Short term Bond
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.05
Sharpe Ratio	1.64
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity	0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,501
31 Aug 22	₹10,729
31 Aug 23	₹11,433
31 Aug 24	₹12,266
31 Aug 25	₹13,256

Baroda Pioneer Short Term Bond 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 Baroda Pioneer Short Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Sep 25

Duration	Returns
1 Month	0%
3 Month	0.6%
6 Month	4.4%
1 Year	8%
3 Year	7.3%
5 Year	5.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7%
2022	3%
2021	3.7%
2020	7.5%
2019	8.8%
2018	7.1%
2017	7.6%
2016	9.5%
2015	8.6%

Fund Manager information for Baroda Pioneer Short Term Bond Fund

Name	Since	Tenure
Gurvinder Wasan	21 Oct 24	0.86 Yr.
Vikram Pamnani	10 Jul 24	1.15 Yr.

Data below for Baroda Pioneer Short Term Bond Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.58%
Debt	96.13%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	66.25%
Government	29.89%
Cash Equivalent	3.58%

Credit Quality

Rating	Value
AA	9.12%
AAA	90.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	6%	₹18 Cr	1,700,000 ↓ -300,000
National Housing Bank Debentures \| -	5%	₹15 Cr	1,500
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹15 Cr	1,500
Power Finance Corporation Limited Debentures \| -	5%	₹15 Cr	1,500
Small Industries Development Bank Of India Debentures \| -	5%	₹13 Cr	1,300
Hindustan Petroleum Corporation Limited Debentures \| -	4%	₹12 Cr	120
Larsen And Toubro Limited Debentures \| -	4%	₹10 Cr	1,000
Ultratech Cement Limited Debentures \| -	4%	₹10 Cr	1,000
LIC Housing Finance Ltd Debentures \| -	4%	₹10 Cr	1,000
7.08% Karnataka State Development Loans (12/08/2031) Sovereign Bonds \| -	4%	₹10 Cr	1,000,000

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۔