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فنکاش »باہمی چندہ »الٹرا شارٹ ٹرم فنڈز بمقابلہ فکسڈ ڈپازٹس

الٹرا شارٹ ٹرم فنڈز V/s فکسڈ ڈپازٹس

Updated on June 29, 2025 , 10087 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۔

Ultra-Short-Term-Funds-VS-Fixed-Deposits

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. 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.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

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 (01 Jul 25) ₹4,033.27 ↑ 1.69   (0.04 %)
Net Assets (Cr) ₹8,772 on 31 May 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 1.78
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.98%
Effective Maturity 7 Months 25 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,563
30 Jun 22₹11,228
30 Jun 23₹11,923
30 Jun 24₹12,747
30 Jun 25₹13,692

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.8%
1 Year 7.4%
3 Year 6.8%
5 Year 6.5%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.7%
2022 4.6%
2021 7.8%
2020 4.9%
2019 0.9%
2018 7.3%
2017 5.8%
2016 6.8%
2015 7.6%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 1311.67 Yr.
Kinjal Desai25 May 187.02 Yr.
Akshay Sharma1 Dec 222.5 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash52.98%
Debt46.77%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate56.37%
Cash Equivalent30.8%
Government12.58%
Credit Quality
RatingValue
AA15.05%
AAA84.95%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹327 Cr32,500
182 Days Tbill
Sovereign Bonds | -
3%₹247 Cr25,000,000
Vedanta Limited
Debentures | -
3%₹241 Cr24,000
LIQUID GOLD SERIES 10
Unlisted bonds | -
3%₹217 Cr82
Small Industries Development Bank Of India
Debentures | -
2%₹201 Cr2,000
182 Days Tbill
Sovereign Bonds | -
2%₹197 Cr20,000,000
Interise TRust
Debentures | -
2%₹187 Cr19,500
Rec Limited
Debentures | -
2%₹184 Cr1,850
Power Finance Corporation Limited
Debentures | -
2%₹177 Cr17,500
↑ 7,500
Credila Financial Services Limited
Debentures | -
2%₹157 Cr15,500

2. 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.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 (01 Jul 25) ₹549.219 ↑ 0.26   (0.05 %)
Net Assets (Cr) ₹18,981 on 31 May 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.11
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.92%
Effective Maturity 5 Months 8 Days
Modified Duration 4 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,484
30 Jun 22₹10,887
30 Jun 23₹11,600
30 Jun 24₹12,464
30 Jun 25₹13,474

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 1 Jul 25

DurationReturns
1 Month 0.7%
3 Month 2.2%
6 Month 4.1%
1 Year 8.1%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.96 Yr.
Kaustubh Gupta15 Jul 1113.89 Yr.
Monika Gandhi22 Mar 214.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash41.07%
Debt58.69%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate64.99%
Cash Equivalent18.97%
Government15.8%
Credit Quality
RatingValue
AA35.5%
AAA64.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -
3%₹613 Cr60,000
Nirma Limited
Debentures | -
3%₹489 Cr48,500
Small Industries Development Bank of India
Debentures | -
2%₹430 Cr9,000
Gujarat (Government of)
- | -
2%₹379 Cr37,500,000
Bharti Telecom Limited
Debentures | -
2%₹362 Cr3,600
182 DTB 29082025
Sovereign Bonds | -
2%₹356 Cr36,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹317 Cr3,150
Mankind Pharma Limited
Debentures | -
2%₹309 Cr30,500
Avanse Financial Services Limited
Debentures | -
2%₹301 Cr30,000
Bharti Telecom Limited
Debentures | -
1%₹271 Cr2,700

3. 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.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

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 (01 Jul 25) ₹27.7422 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹16,269 on 31 May 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 2.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity 6.88%
Effective Maturity 8 Months 8 Days
Modified Duration 5 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,502
30 Jun 22₹10,888
30 Jun 23₹11,583
30 Jun 24₹12,411
30 Jun 25₹13,362

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
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 1 Jul 25

DurationReturns
1 Month 0.7%
3 Month 2.1%
6 Month 4%
1 Year 7.6%
3 Year 7.1%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 6.9%
2022 4.5%
2021 4%
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 168.55 Yr.
Ritesh Lunawat15 Jun 177.97 Yr.

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

Asset Allocation
Asset ClassValue
Cash44.32%
Debt55.45%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate58.66%
Government22.39%
Cash Equivalent18.73%
Credit Quality
RatingValue
AA17.33%
AAA82.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.11% Govt Stock 2028
Sovereign Bonds | -
6%₹1,047 Cr103,500,000
↓ -5,500,000
LIC Housing Finance Ltd
Debentures | -
4%₹602 Cr6,000
182 Days Tbill
Sovereign Bonds | -
3%₹492 Cr50,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹384 Cr38,000
↑ 7,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹377 Cr3,750
↑ 1,000
Bharti Telecom Limited
Debentures | -
2%₹347 Cr34,500
Larsen And Toubro Limited
Debentures | -
2%₹251 Cr25,000
LIC Housing Finance Ltd
Debentures | -
1%₹226 Cr2,250
HDFC Bank Ltd.
Debentures | -
1%₹214 Cr4,500
Oberoi Realty Limited
Debentures | -
1%₹202 Cr20,000

4. 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.

IDBI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 Sep 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 78 in Ultrashort Bond category. .

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.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,430
30 Jun 22₹10,841
30 Jun 23₹11,520

IDBI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 1 Jul 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Ultra Short Term Fund
NameSinceTenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. DSP BlackRock 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."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (01 Jul 25) ₹3,410.92 ↑ 1.64   (0.05 %)
Net Assets (Cr) ₹4,011 on 31 May 25
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio 1.36
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.79%
Effective Maturity 6 Months
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,311
30 Jun 22₹10,617
30 Jun 23₹11,244
30 Jun 24₹12,015
30 Jun 25₹12,897

DSP BlackRock Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 BlackRock 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.9%
1 Year 7.4%
3 Year 6.7%
5 Year 5.2%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.9%
2023 6.7%
2022 4.1%
2021 2.9%
2020 4.7%
2019 7.3%
2018 5%
2017 6%
2016 7.5%
2015 7.9%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Karan Mundhra31 May 214.01 Yr.
Shalini Vasanta1 Jan 250.41 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash67.67%
Debt32%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate54.52%
Cash Equivalent32.14%
Government13.02%
Credit Quality
RatingValue
AA5.57%
AAA94.43%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 06112025
Sovereign Bonds | -
2%₹98 Cr10,000,000
Bharti Telecom Limited
Debentures | -
2%₹79 Cr7,500
7.59% Govt Stock 2026
Sovereign Bonds | -
2%₹78 Cr7,500,000
↑ 7,500,000
LIC Housing Finance Ltd
Debentures | -
2%₹78 Cr750
↑ 750
182 DTB 31072025
Sovereign Bonds | -
2%₹65 Cr6,500,000
Tata Capital Housing Finance Limited
Debentures | -
1%₹53 Cr500
Mahindra Rural Housing Finance Limited
Debentures | -
1%₹52 Cr5,000
National Bank For Agriculture And Rural Development
Debentures | -
1%₹52 Cr500
Bajaj Housing Finance Limited
Debentures | -
1%₹51 Cr5,000
Tata Capital Housing Finance Limited
Debentures | -
1%₹50 Cr5,000

6. 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.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (01 Jul 25) ₹4,244.3 ↑ 2.07   (0.05 %)
Net Assets (Cr) ₹4,351 on 31 May 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 1.63
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.73%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,396
30 Jun 22₹11,020
30 Jun 23₹11,694
30 Jun 24₹12,502
30 Jun 25₹13,424

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.4%
3 Year 6.8%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.7%
2022 4.2%
2021 6.1%
2020 5.3%
2019 3.3%
2018 7%
2017 6.6%
2016 8.9%
2015 8.5%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jan 250.36 Yr.

Data below for UTI Ultra Short Term Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash62.93%
Debt36.88%
Other0.19%
Debt Sector Allocation
SectorValue
Corporate60.71%
Cash Equivalent33.44%
Government5.66%
Credit Quality
RatingValue
AA15.03%
AAA84.97%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Small Industries Development Bank Of India
Debentures | -
4%₹181 Cr1,800
Titan Company Limited
Debentures | -
3%₹151 Cr15,000
↑ 5,000
182 Days Tbill
Sovereign Bonds | -
3%₹148 Cr1,500,000,000
Bajaj Housing Finance Limited
Debentures | -
2%₹101 Cr1,000
LIC Housing Finance Ltd
Debentures | -
2%₹101 Cr1,000
↑ 250
182 Days Tbill
Sovereign Bonds | -
2%₹99 Cr1,000,000,000
Shriram Finance Limited
Debentures | -
2%₹81 Cr8,000
Indian Bank
Domestic Bonds | -
2%₹72 Cr750,000,000
↑ 750,000,000
Indian Bank
Domestic Bonds | -
2%₹72 Cr750,000,000
Muthoot Finance Limited
Debentures | -
1%₹50 Cr5,000

7. 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.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 44 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (01 Jul 25) ₹42.9358 ↑ 0.02   (0.05 %)
Net Assets (Cr) ₹15,401 on 31 May 25
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.8
Sharpe Ratio 1.66
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.63%
Effective Maturity 6 Months
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,371
30 Jun 22₹10,721
30 Jun 23₹11,393
30 Jun 24₹12,183
30 Jun 25₹13,091

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 2%
6 Month 3.8%
1 Year 7.4%
3 Year 6.9%
5 Year 5.5%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.8%
2022 4.5%
2021 3.2%
2020 5.8%
2019 7.8%
2018 7.4%
2017 6.7%
2016 8.2%
2015 8.6%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0817.14 Yr.
Manu Sharma1 Nov 222.58 Yr.

Data below for Kotak Savings Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash55.91%
Debt43.84%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate57.28%
Government22.13%
Cash Equivalent20.33%
Credit Quality
RatingValue
AA8.41%
AAA91.59%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.2% Govt Stock 2025
Sovereign Bonds | -
5%₹805 Cr80,000,000
Bajaj Housing Finance Limited
Debentures | -
4%₹650 Cr6,450
National Bank For Agriculture And Rural Development
Debentures | -
4%₹564 Cr56,000
Rec Limited
Debentures | -
3%₹478 Cr47,500
Mankind Pharma Limited
Debentures | -
2%₹303 Cr30,000
182 Days Tbill
Sovereign Bonds | -
2%₹247 Cr25,000,000
364 DTB 19mar2026
Sovereign Bonds | -
1%₹240 Cr25,000,000
India (Republic of)
- | -
1%₹238 Cr25,000,000
Bharti Telecom Limited
Debentures | -
1%₹226 Cr2,250
08.49 Tn SDL 2026
Sovereign Bonds | -
1%₹204 Cr20,080,000

8. 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.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 40 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

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 (01 Jul 25) ₹2,700.77 ↑ 1.29   (0.05 %)
Net Assets (Cr) ₹1,227 on 31 May 25
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 2.08
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.59%
Effective Maturity 5 Months 24 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,324
30 Jun 22₹10,639
30 Jun 23₹11,277
30 Jun 24₹12,079
30 Jun 25₹12,988

Invesco India Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 2%
6 Month 3.9%
1 Year 7.5%
3 Year 6.9%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 6.6%
2022 4.1%
2021 3%
2020 5.1%
2019 7.6%
2018 7.3%
2017 7.1%
2016 9.1%
2015 8.3%
Fund Manager information for Invesco India Ultra Short Term Fund
NameSinceTenure
Krishna Cheemalapati4 Jan 205.41 Yr.
Vikas Garg27 Jul 213.85 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash57.99%
Debt41.67%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate55.65%
Cash Equivalent33.36%
Government10.65%
Credit Quality
RatingValue
AA24.4%
AAA75.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
08.24 Tn SDL 2025sep
Sovereign Bonds | -
4%₹50 Cr5,000,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹50 Cr5,000,000
India (Republic of)
- | -
4%₹49 Cr5,000,000
Export Import Bank Of India
Debentures | -
3%₹40 Cr4,000,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
3%₹30 Cr3,000,000
TATA Projects Limited
Debentures | -
2%₹25 Cr2,500,000
Torrent Power Limited
Debentures | -
2%₹25 Cr2,500,000
Godrej Industries Limited
Debentures | -
2%₹25 Cr2,500,000
Bharti Telecom Limited
Debentures | -
2%₹25 Cr2,500,000
Tata Realty And Infrastructure Limited
Debentures | -
2%₹25 Cr2,500,000

9. Principal Ultra Short Term Fund

(Erstwhile Principal Retail Money Manager Fund)

To generate steady return by investing in debt and money market securities. The portfolio will be predominantly invested in overnight repo, CBLO, floating rate instruments and other fixed income instruments.

Principal Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 28 Dec 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 5.8% since its launch.  Ranked 43 in Ultrashort Bond category.  Return for 2024 was 6.4% , 2023 was 6.1% and 2022 was 3.7% .

Below is the key information for Principal Ultra Short Term Fund

Principal Ultra Short Term Fund
Growth
Launch Date 28 Dec 07
NAV (01 Jul 25) ₹2,689.27 ↑ 1.44   (0.05 %)
Net Assets (Cr) ₹2,551 on 31 May 25
Category Debt - Ultrashort Bond
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.41
Sharpe Ratio -0.61
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,000
Exit Load NIL
Yield to Maturity 6.56%
Effective Maturity 6 Months 22 Days
Modified Duration 6 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,281
30 Jun 22₹10,555
30 Jun 23₹11,137
30 Jun 24₹11,826
30 Jun 25₹12,611

Principal Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
Invest Now

Returns for Principal 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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 6.6%
3 Year 6.1%
5 Year 4.8%
10 Year
15 Year
Since launch 5.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.4%
2023 6.1%
2022 3.7%
2021 2.7%
2020 4.1%
2019 6.5%
2018 1.2%
2017 6.3%
2016 7.9%
2015 8.8%
Fund Manager information for Principal Ultra Short Term Fund
NameSinceTenure
Dwijendra Srivastava16 May 223.05 Yr.
Sandeep Agarwal1 Jan 223.42 Yr.

Data below for Principal Ultra Short Term Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash83.17%
Debt16.63%
Other0.2%
Debt Sector Allocation
SectorValue
Corporate55.4%
Cash Equivalent32.84%
Government11.56%
Credit Quality
RatingValue
AA6.24%
AAA93.76%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
3%₹99 Cr10,000,000
Rural Electrification Corporation Limited
Debentures | -
3%₹81 Cr8,000
Bharti Telecom Limited
Debentures | -
2%₹70 Cr7,000
ICICI Home Finance Company Limited
Debentures | -
2%₹50 Cr5,000
182 DTB 27062025
Sovereign Bonds | -
2%₹50 Cr5,000,000
Shriram Finance Limited
Debentures | -
1%₹30 Cr3,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
1%₹29 Cr600
IDFC First Bank Ltd.
Debentures | -
1%₹28 Cr600
National Bank For Agriculture And Rural Development
Debentures | -
1%₹25 Cr2,500
Hdb Financial Services Limited
Debentures | -
1%₹25 Cr250

10. 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.

Canara Robeco Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 14 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 72 in Ultrashort Bond category.  Return for 2024 was 6.8% , 2023 was 6.4% and 2022 was 3.9% .

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 (01 Jul 25) ₹3,804.47 ↑ 1.77   (0.05 %)
Net Assets (Cr) ₹568 on 31 May 25
Category Debt - Ultrashort Bond
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.95
Sharpe Ratio 0.73
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.45%
Effective Maturity 6 Months 17 Days
Modified Duration 5 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 20₹10,000
30 Jun 21₹10,281
30 Jun 22₹10,563
30 Jun 23₹11,175
30 Jun 24₹11,899
30 Jun 25₹12,750

Canara Robeco Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235
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 1 Jul 25

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.1%
3 Year 6.5%
5 Year 5%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.8%
2023 6.4%
2022 3.9%
2021 2.6%
2020 4.5%
2019 6.6%
2018 6.1%
2017 5.7%
2016 7.3%
2015 8.4%
Fund Manager information for Canara Robeco Ultra Short Term Fund
NameSinceTenure
Avnish Jain1 Apr 223.17 Yr.
Kunal Jain16 Sep 240.71 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 May 25

Asset Allocation
Asset ClassValue
Cash86.39%
Debt13.31%
Other0.3%
Debt Sector Allocation
SectorValue
Cash Equivalent56.62%
Corporate42.17%
Government0.91%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bajaj Housing Finance Limited
Debentures | -
4%₹25 Cr250
Bajaj Housing Finance Limited
Debentures | -
4%₹25 Cr250
LIC Housing Finance Ltd
Debentures | -
4%₹20 Cr200
↑ 200
7.81% Govt Stock 2033
Sovereign Bonds | -
1%₹5 Cr500,000
CORPORATE DEBT MARKET DEVELOPMENT FUND CLASS A2
Investment Fund | -
0%₹2 Cr1,529
Treps
CBLO/Reverse Repo | -
14%₹81 Cr
Aditya Birla Finance Limited
Commercial Paper | -
9%₹49 Cr1,000
ICICI Bank Ltd.
Certificate of Deposit | -
9%₹49 Cr1,000
↑ 500
Export-Import Bank Of India
Commercial Paper | -
9%₹49 Cr1,000
Small Industries Development Bank Of India
Certificate of Deposit | -
9%₹49 Cr1,000

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۔

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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۔
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