الٹرا شارٹ ٹرم فنڈز V/s فکسڈ ڈپازٹس

Updated on February 17, 2026 , 10554 views

کیا آپ پریشان ہیںکہاں سرمایہ کاری کرنا ہے مختصر مدت کے لئے پیسہ؟ کیا آپ الٹرا کے درمیان انتخاب کرتے وقت الجھن میں پڑ جاتے ہیں؟مختصر مدت کے فنڈز اور فکسڈ ڈپازٹ؟ پریشان نہ ہوں، آپ کے سوالات کا جواب یہاں دیا جائے گا۔ الٹرا شارٹ ٹرم فنڈز aمشترکہ فنڈ زمرہ جو فکسڈ میں سرمایہ کاری کرتا ہے۔آمدنی مختصر پختگی کی مدت والے آلات۔ فکسڈ ڈپازٹ یاایف ڈی دوسری طرف، ایک سرمایہ کاری کا راستہ ہے جس میں لوگ ایک مقررہ وقت کے لیے رقم کی ایک خاص رقم جمع کرتے ہیں اور اسے سود کے ساتھ میچورٹی پر واپس حاصل کرتے ہیں۔ تو آئیے ایک نظر ڈالتے ہیں کہ الٹرا شارٹ ٹرم فنڈز اور فکسڈ ڈپازٹ میں سے کس میں سرمایہ کاری کرنا بہتر ہے۔

الٹرا شارٹ ٹرم فنڈز کیا ہیں؟

الٹرا شارٹ ٹرم فنڈز کی ایک قسم ہے۔قرض فنڈ. یہ اسکیم اپنے کارپس میں سرمایہ کاری کرتی ہے۔مقررہ آمدنی وہ آلات جن کی پختگی کی مدت عام طور پر درمیان ہوتی ہے۔91 دن سے 1 سال. اس اسکیم کو اوپر ایک نشان سمجھا جاتا ہے۔مائع فنڈز اور جو لوگ معمولی حد تک زیادہ خطرہ مول لینے کے خواہشمند ہیں وہ زیادہ منافع کمانے کے لیے الٹرا شارٹ ٹرم فنڈز میں سرمایہ کاری کرنے کا انتخاب کر سکتے ہیں۔

فکسڈ ڈپازٹس کیا ہیں؟

فکسڈ ڈپازٹ یا FD سرمایہ کاری کا ایک روایتی ذریعہ ہے جہاں لوگوں کو کسی خاص مدت کے لیے جمع کردہ رقم کی ایک خاص رقم رکھنے کی ضرورت ہوتی ہے۔ سرمایہ کاری کی گئی یہ رقم سود حاصل کرتی ہے۔ اسے مختصر مدت کے ساتھ ساتھ طویل مدتی مدت کے لیے سرمایہ کاری کا ایک اچھا راستہ چنا جا سکتا ہے۔ FD پر سود کی شرح پہلے سے متعین ہوتی ہے اور اس کے ریٹرن سرمایہ کاروں کے ہاتھ میں قابل ٹیکس ہوتے ہیں۔

الٹرا شارٹ ٹرم فنڈز یا فکسڈ ڈپازٹ: کون سا بہتر ہے؟

چونکہ سرمایہ کاری کے دونوں راستوں کی اپنی اپنی خصوصیات اور خصوصیات ہیں، آئیے دیکھتے ہیں کہ مختلف پیرامیٹرز کی بنیاد پر کون سا سرمایہ کاری کا راستہ بہترین ہے۔

کم از کم سرمایہ کاری

فکسڈ ڈپازٹس کی صورت میں کم از کم سرمایہ کاری کی حد کے درمیان ہے۔1 روپے،000-₹10,000 منحصر کرتا ہےبینک. تاہم، الٹرا شارٹ ٹرم فنڈز کی صورت میں، کم از کم سرمایہ کاری ہے۔₹500 کے ذریعےگھونٹ سرمایہ کاری کا موڈ اورسرمایہ کاری کے یکمشت موڈ کے ذریعے ₹1,000.

شرح سود

شرح سود کے حوالے سے، FDs میں پہلے سے طے شدہ شرح سود ہوتی ہے جو وقت کے ساتھ ساتھ تبدیل نہیں ہوتی ہے۔ تاہم، الٹرا شارٹ ٹرم فنڈز کی صورت میں، اسکیم کی کارکردگی کے لحاظ سے منافع متغیر ہوتا ہے۔ فی الحال، مالی سال 2017-18 کے مطابق، ایف ڈی کی شرحیں۔رینج 6%-7% کے درمیان تقریباً اگر سرمایہ کاری ایک سال کے لیے رکھی جائے۔ تاہم، الٹرا شارٹ ٹرم فنڈز کے معاملے میں، اگر سرمایہ کاری ایک سال کے لیے رکھی جاتی ہے تو واپسی تقریباً 7% سے زیادہ ہوتی ہے۔

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دور

FDs کو مختصر اور طویل مدتی مدت دونوں کے لیے سرمایہ کاری کے طور پر استعمال کیا جا سکتا ہے۔ اس کی وجہ یہ ہے کہ اسے روایتی سرمایہ کاری کا راستہ سمجھا جاتا ہے۔ اس کے برعکس،الٹرا شارٹ ٹرم فنڈ عام طور پر، قلیل مدتی سرمایہ کاری کی مدت کے لیے استعمال کیا جاتا ہے۔ جن لوگوں کے پاس زیادہ فنڈز ہیں۔بچت اکاونٹ مزید کمانے کے لیے اس اسکیم میں سرمایہ کاری کرنے کا انتخاب کر سکتے ہیں۔ سرمایہ کاری کی مدت کے دوران، لوگ فکسڈ ڈپازٹ سے اپنے فنڈز نہیں نکال سکتے۔ یہاں تک کہ اگر انہیں نکالنے کی ضرورت ہے، تو انہیں بینک کو کچھ مقررہ چارجز ادا کرنے کی ضرورت ہے۔ دوسری طرف، لوگسرمایہ کاری الٹرا شارٹ ٹرم فنڈز میں ان کے پیسے فکسڈ ڈپازٹس کے مقابلے میں آسانی سے اپنی رقم نکال سکتے ہیں۔ بہت سی اسکیموں میں، سرمایہ کاروں کو اس دوران کوئی ایگزٹ لوڈ ادا کرنے کی ضرورت نہیں ہے۔رہائی.

خطرہ - بھوک

FDs کو خطرے سے پاک سرمایہ کاری کا راستہ سمجھا جاتا ہے جس میں؛ ذخائر کو محفوظ سمجھا جاتا ہے۔ اس کے برعکس، الٹرا شارٹ ٹرم فنڈز میں سرمایہ کاری کرنے کا انتخاب کرنے والے لوگ زیادہ منافع حاصل کرنے کے لیے معمولی حد تک زیادہ خطرہ مول لیتے ہیں۔

لیکویڈیٹی

دیلیکویڈیٹی الٹرا شارٹ ٹرم فنڈز کی صورت میں فکسڈ ڈپازٹس کے مقابلے میں زیادہ ہے۔ فکسڈ ڈپازٹ کے مقابلے میں ان اسکیموں سے رقم نکالنا نسبتاً آسان ہے۔

ٹیکس لگانا

الٹرا شارٹ ٹرم فنڈز اور فکسڈ ڈپازٹس دونوں کے لیے ٹیکس کے قوانین مختلف ہیں۔ فکسڈ ڈپازٹ پر حاصل ہونے والے سود کی صورت میں، رقم کو اس میں شامل کیا جاتا ہے۔سرمایہ کارکی آمدنی اور فرد کے باقاعدہ ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔ تاہم، الٹرا شارٹ ٹرم فنڈ کی صورت میں حاصل کردہ منافع قرض فنڈز کے مطابق قابل ٹیکس ہے۔ قاعدے کے مطابق، اگر الٹرا شارٹ ٹرم فنڈ میں سرمایہ کاری تین سال سے زیادہ ہو تو طویل مدتیسرمایہ منافع لاگو ہوتا ہے جب کہ اگر میعاد تین سال سے کم ہے، تو قلیل مدتی کیپٹل گینز لاگو ہوتے ہیں۔ طویل مدتی کی صورت میںسرمایہ حاصل، اس پر انڈیکسیشن فوائد کے ساتھ 20% ٹیکس لگایا جاتا ہے اور قلیل مدتی سرمائے کے منافع کے لیے، اسے آمدنی میں شامل کیا جاتا ہے اور فرد کے سلیب کی شرح کے مطابق ٹیکس لگایا جاتا ہے۔

ذیل میں دیا گیا جدول الٹرا شارٹ ٹرم فنڈز اور فکسڈ ڈپازٹس کے درمیان موازنہ کا خلاصہ کرتا ہے۔

پیرامیٹرز	الٹرا شارٹ ٹرم فنڈز	فکسڈ ڈپازٹس
واپسی	اسکیم کی کارکردگی کے مطابق مختلف ہوتی ہے۔	پہلے سے طے شدہ
کم از کم سرمایہ کاری	SIP میں ₹500 اور Lumpsum میں ₹1,000 سے شروع ہوتا ہے۔	رینج ₹1,000-₹10,000 کے درمیان
دور	عام طور پر مختصر مدت کے لئے استعمال کیا جاتا ہے	مختصر اور طویل مدتی دونوں
خطرہ	معمولی بلندی	کم
لیکویڈیٹی	اعلی	کم
ٹیکس لگانا	قلیل مدت: فرد کے سلیب ریٹ کے مطابق ٹیکس لگایا جاتا ہے۔طویل مدتی: 20% پر ٹیکس لگایا گیا اور ٹیکس کے فوائد تھے۔	فرد کے سلیب ریٹ کے مطابق ٹیکس لگایا جاتا ہے۔

10 بہترین کارکردگی کا مظاہرہ کرنے والے الٹرا شارٹ ٹرم 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

Lower mid AUM (₹3,547 Cr).
Established history (19+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.42% (lower mid).
1M return: 0.54% (bottom quartile).
Sharpe: 0.90 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.36% (top quartile).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.62 yrs (bottom quartile).
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% (top quartile).
Sharpe: 2.06 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.31% (top quartile).
Modified duration: 0.43 yrs (lower mid).
Average maturity: 0.53 yrs (lower 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

Upper 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% (lower mid).
Sharpe: 1.15 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.21% (upper mid).
Modified duration: 0.41 yrs (lower mid).
Average maturity: 0.50 yrs (upper mid).
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

Top quartile 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 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
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).
Established history (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 (upper mid).
Yield to maturity (debt): 7.06% (upper mid).
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% (upper mid).
Sharpe: 0.37 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.03% (lower mid).
Modified duration: 0.41 yrs (upper mid).
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

7. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Research Highlights for Invesco India Ultra Short Term Fund

Lower mid AUM (₹1,315 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.54% (upper mid).
1M return: 0.57% (lower mid).
Sharpe: 1.37 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.00% (lower mid).
Modified duration: 0.35 yrs (top quartile).
Average maturity: 0.38 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~57%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~7.6%).

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (18 Feb 26)	₹2,795.48 ↓ -0.18 (-0.01 %)
Net Assets (Cr)	₹1,315 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	4 Months 15 Days
Modified Duration	4 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,317
31 Jan 23	₹10,764
31 Jan 24	₹11,486
31 Jan 25	₹12,349
31 Jan 26	₹13,150

Invesco India 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 Invesco India 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	6.5%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	6.08 Yr.
Vikas Garg	27 Jul 21	4.52 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	57.14%
Debt	42.56%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	45.64%
Cash Equivalent	40.82%
Government	13.23%

Credit Quality

Rating	Value
AA	14.9%
AAA	85.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	8%	₹100 Cr	10,000,000 ↑ 7,500,000
Small Industries Development Bank Of India Debentures \| -	5%	₹65 Cr	6,500,000 ↑ 5,000,000
19/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
27/02/2026 Maturing 182 DTB Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
Summit Digitel Infrastructure Limited Debentures \| -	3%	₹40 Cr	4,000,000
Sundaram Home Finance Limited Debentures \| -	3%	₹35 Cr	3,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹35 Cr	3,500,000
Tbill Sovereign Bonds \| -	3%	₹35 Cr	3,502,500 ↑ 3,502,500
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

8. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹14,032 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.77% (top quartile).
1M return: 0.58% (upper mid).
Sharpe: 2.11 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.99% (bottom quartile).
Modified duration: 0.39 yrs (upper mid).
Average maturity: 0.52 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Gs 2026 (~6.3%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (18 Feb 26)	₹6,203.48 ↑ 0.43 (0.01 %)
Net Assets (Cr)	₹14,032 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	6 Months 7 Days
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,355
31 Jan 23	₹10,838
31 Jan 24	₹11,602
31 Jan 25	₹12,457
31 Jan 26	₹13,296

SBI Magnum Ultra Short Duration 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 Magnum 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	2.9%
1 Year	6.8%
3 Year	7.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7%
2023	7.4%
2022	7%
2021	4.5%
2020	3.4%
2019	5.9%
2018	8%
2017	7.9%
2016	6.6%
2015	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.72 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	73.4%
Debt	29.82%
Other	0.34%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.52%
Corporate	39.77%
Government	4.37%

Credit Quality

Rating	Value
AA	21.49%
AAA	78.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Gs 2026 Sovereign Bonds \| -	6%	₹880 Cr	88,000,000 ↑ 19,500,000
Small Industries Development Bank of India Debentures \| -	4%	₹562 Cr	12,000
Standard Chartered Bank - \| -	4%	-₹500 Cr
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹390 Cr	39,000 ↓ -15,500
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹327 Cr	7,000 ↑ 7,000
Canara Bank Domestic Bonds \| -	2%	₹299 Cr	6,000
Adani Power Limited Debentures \| -	2%	₹299 Cr	30,000 ↑ 30,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹280 Cr	6,000 ↑ 6,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹253 Cr	255
HSBC Bank PLC Debentures \| -	2%	-₹250 Cr

9. BOI AXA Ultra Short Duration Fund

(Erstwhile BOI AXA Treasury Advantage Fund)

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for BOI AXA Ultra Short Duration Fund

Bottom quartile AUM (₹168 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.20% (bottom quartile).
1M return: 0.54% (bottom quartile).
Sharpe: 0.49 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.91% (bottom quartile).
Modified duration: 0.38 yrs (upper mid).
Average maturity: 0.39 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~61%).
High-quality debt (AAA/AA ~100%).
Largest holding Canara Bank (~9.9%).

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (18 Feb 26)	₹3,271.07 ↑ 0.10 (0.00 %)
Net Assets (Cr)	₹168 on 31 Jan 26
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.97
Sharpe Ratio	0.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.91%
Effective Maturity	4 Months 20 Days
Modified Duration	4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,331
31 Jan 23	₹10,806
31 Jan 24	₹11,480
31 Jan 25	₹12,248
31 Jan 26	₹13,001

BOI AXA Ultra Short Duration 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 BOI AXA 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	0.5%
3 Month	1.2%
6 Month	2.6%
1 Year	6.2%
3 Year	6.4%
5 Year	5.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	6.7%
2022	6.2%
2021	4.4%
2020	3.2%
2019	4.9%
2018	7.5%
2017	7.6%
2016	8%
2015	9.1%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.46 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	60.65%
Debt	39.06%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	58.82%
Government	21.75%
Cash Equivalent	19.14%

Credit Quality

Rating	Value
AA	13.02%
AAA	86.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
28/05/2026 Maturing 182 DTB Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
Power Finance Corporation Limited Debentures \| -	8%	₹14 Cr	1,400,000 ↑ 1,400,000
Rec Limited Debentures \| -	7%	₹12 Cr	1,250,000
Manappuram Finance Limited Debentures \| -	7%	₹11 Cr	1,100,000
Bank of Baroda Debentures \| -	6%	₹11 Cr	1,100,000
360 One Prime Limited Debentures \| -	6%	₹10 Cr	1,000,000
07/01/2027 Maturing 364 DTB Sovereign Bonds \| -	1%	₹2 Cr	175,000 ↑ 175,000
08/10/2026 Maturing 364 DTB Sovereign Bonds \| -	0%	₹1 Cr	79,600 ↑ 79,600
Corporate Debt Market Development Fund # - \| -	0%	₹0 Cr	417 ↑ 417
Canara Bank Certificate of Deposit \| -	10%	₹17 Cr	1,700,000 ↑ 1,200,000

10. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (top quartile).
Average maturity: 0.23 yrs (top quartile).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,391
31 Jan 23	₹10,885

IDBI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI Ultra Short Term Fund

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

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

اس طرح، اوپر دیے گئے پیرامیٹرز سے، ہم یہ نتیجہ اخذ کر سکتے ہیں کہ فکسڈ ڈپازٹس کے مقابلے الٹرا شارٹ ٹرم فنڈز ایک بہتر آپشن ہیں۔

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۔