الٹرا شارٹ ٹرم فنڈز V/s فکسڈ ڈپازٹس

Updated on July 11, 2026 , 10904 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. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Highest AUM (₹19,611 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.26% (top quartile).
1M return: 0.69% (upper mid).
Sharpe: 0.52 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.98% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.2%).

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 (13 Jul 26)	₹584.944 ↑ 0.27 (0.05 %)
Net Assets (Cr)	₹19,611 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.98%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,384
30 Jun 23	₹11,065
30 Jun 24	₹11,889
30 Jun 25	₹12,852
30 Jun 26	₹13,668

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	3.2%
1 Year	6.3%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.04 Yr.
Kaustubh Gupta	15 Jul 11	14.97 Yr.
Monika Gandhi	22 Mar 21	5.28 Yr.

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

Asset Allocation

Asset Class	Value
Cash	30.43%
Debt	69.22%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	68.02%
Government	17.43%
Cash Equivalent	14.18%

Credit Quality

Rating	Value
AA	29.9%
AAA	70.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹987 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹748 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹607 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹540 Cr	11,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹348 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹329 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

2. 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 (₹16,186 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.91% (lower mid).
1M return: 0.66% (bottom quartile).
Sharpe: -0.12 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.90% (top quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~54%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.8%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (13 Jul 26)	₹45.5655 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹16,186 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.9%
Effective Maturity	6 Months 4 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,338
30 Jun 23	₹10,986
30 Jun 24	₹11,748
30 Jun 25	₹12,623
30 Jun 26	₹13,382

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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.1%
1 Year	5.9%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	18.22 Yr.
Manu Sharma	1 Nov 22	3.67 Yr.

Data below for Kotak Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	54.36%
Debt	45.33%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	62.41%
Government	18.78%
Cash Equivalent	18.5%

Credit Quality

Rating	Value
AA	16.51%
AAA	83.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹575 Cr	57,500
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹447 Cr	45,000,000
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹328 Cr	32,500,000
Mankind Pharma Limited Debentures \| -	2%	₹300 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹300 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹299 Cr	30,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Bank of Baroda Debentures \| -	1%	₹218 Cr	22,500 ↑ 22,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹206 Cr	210
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000

3. 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 (₹10,938 Cr).
Established history (24+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 6.12% (upper mid).
1M return: 0.67% (lower mid).
Sharpe: 0.34 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.83% (upper mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~54%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.7%).

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 (13 Jul 26)	₹4,288.05 ↑ 1.55 (0.04 %)
Net Assets (Cr)	₹10,938 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.83%
Effective Maturity	7 Months 3 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,630
30 Jun 23	₹11,288
30 Jun 24	₹12,068
30 Jun 25	₹12,962
30 Jun 26	₹13,764

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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.75 Yr.
Kinjal Desai	25 May 18	8.1 Yr.
Akshay Sharma	1 Dec 22	3.58 Yr.
Amber Singhania	11 Mar 26	0.3 Yr.

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

Asset Allocation

Asset Class	Value
Cash	53.89%
Debt	45.82%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.03%
Cash Equivalent	27%
Government	7.68%

Credit Quality

Rating	Value
AA	29.98%
AAA	70.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹396 Cr	40,000,000
Nirma Limited Debentures \| -	3%	₹297 Cr	29,600 ↑ 12,000
India (Republic of) - \| -	3%	₹273 Cr	27,500,000
Tbill Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
Axis Bank Ltd. Debentures \| -	2%	₹242 Cr	5,000 ↑ 5,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400
Small Industries Development Bank of India Debentures \| -	2%	₹200 Cr	4,300 ↑ 4,300
Embassy Office Parks Reit Debentures \| -	2%	₹199 Cr	2,000
HDFC Bank Ltd. Debentures \| -	2%	₹196 Cr	4,000 ↑ 4,000

4. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,002 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.20% (upper mid).
1M return: 0.68% (upper mid).
Sharpe: 0.53 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~6.6%).

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 (13 Jul 26)	₹29.5181 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹16,002 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	0.53
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	7.79%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,368
30 Jun 23	₹11,029
30 Jun 24	₹11,817
30 Jun 25	₹12,724
30 Jun 26	₹13,522

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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6.2%
3 Year	7%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.1%
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%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.63 Yr.
Ritesh Lunawat	15 Jun 17	9.05 Yr.

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

Asset Allocation

Asset Class	Value
Cash	78.41%
Debt	21.26%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	66.01%
Cash Equivalent	43.92%

Credit Quality

Rating	Value
AA	17.96%
AAA	82.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	7%	₹997 Cr	100,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹442 Cr	9,000
Small Industries Development Bank Of India Debentures \| -	2%	₹350 Cr	35,000 ↑ 35,000
Vedanta Limited Debentures \| -	2%	₹343 Cr	34,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹325 Cr	32,500 ↑ 12,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹299 Cr	300
Muthoot Finance Limited Debentures \| -	2%	₹276 Cr	27,500
AU Small Finance Bank Ltd. Debentures \| -	2%	₹241 Cr	5,000
Piramal Finance Limited Debentures \| -	2%	₹232 Cr	23,000

5. 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 (₹11,861 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.12% (upper mid).
1M return: 0.72% (top quartile).
Sharpe: 0.40 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.77% (upper mid).
Modified duration: 0.43 yrs (bottom quartile).
Average maturity: 0.71 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~101%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~8.8%).

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 (13 Jul 26)	₹6,361.05 ↑ 1.85 (0.03 %)
Net Assets (Cr)	₹11,861 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	0.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	8 Months 16 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,336
30 Jun 23	₹10,996
30 Jun 24	₹11,785
30 Jun 25	₹12,679
30 Jun 26	₹13,467

SBI Magnum 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 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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.2%
1 Year	6.1%
3 Year	7%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7%
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	1.13 Yr.

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

Asset Allocation

Asset Class	Value
Cash	100.97%
Other	0.42%

Debt Sector Allocation

Sector	Value
Corporate	57.6%
Cash Equivalent	51.21%

Credit Quality

Rating	Value
AA	17.96%
AAA	82.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	9%	₹1,020 Cr	102,500,000
TATA Communications Limited Debentures \| -	5%	₹550 Cr	55,000
Adani Power Limited Debentures \| -	3%	₹299 Cr	30,000
LIC Housing Finance Ltd Debentures \| -	2%	₹275 Cr	27,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹250 Cr	255
Muthoot Finance Limited Debentures \| -	2%	₹224 Cr	22,500
Muthoot Finance Limited Debentures \| -	2%	₹199 Cr	20,000
Oberoi Realty Limited Debentures \| -	1%	₹166 Cr	20,000
7.03% Chhattisgarh Sdl 2026 Sovereign Bonds \| -	1%	₹150 Cr	15,000,000
Eris Lifesciences Limited Debentures \| -	1%	₹150 Cr	15,000

6. 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 (₹1,197 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.02% (lower mid).
1M return: 0.73% (top quartile).
Sharpe: 0.21 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.53% (lower mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.43 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Ltd. (~5.9%).

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 (13 Jul 26)	₹2,868.75 ↑ 0.71 (0.02 %)
Net Assets (Cr)	₹1,197 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	5 Months 6 Days
Modified Duration	5 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,305
30 Jun 23	₹10,923
30 Jun 24	₹11,699
30 Jun 25	₹12,580
30 Jun 26	₹13,349

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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6%
3 Year	6.9%
5 Year	5.9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jul 26	0 Yr.
Vikas Garg	1 Jul 26	0 Yr.

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

Asset Allocation

Asset Class	Value
Cash	76.81%
Debt	22.86%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	57.89%
Cash Equivalent	23.13%
Government	18.64%

Credit Quality

Rating	Value
AA	10.35%
AAA	89.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd. Debentures \| -	6%	₹73 Cr	7,500,000 ↑ 7,500,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
17/09/2026 Maturing 364 DTB Sovereign Bonds \| -	4%	₹49 Cr	5,000,000
TVS Credit Services Limited Debentures \| -	3%	₹40 Cr	4,000,000
Federal Bank Ltd. Debentures \| -	3%	₹39 Cr	4,000,000
India (Republic of) - \| -	3%	₹35 Cr	3,500,000
Tbill Sovereign Bonds \| -	3%	₹35 Cr	3,500,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹25 Cr	2,500,000

7. 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% (top quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.83% (lower mid).
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
30 Jun 21	₹10,000
30 Jun 22	₹10,395
30 Jun 23	₹11,045

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 13 Jul 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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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

8. 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

Lower mid AUM (₹529 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 5.71% (bottom quartile).
1M return: 0.67% (lower mid).
Sharpe: -0.36 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.67% (bottom quartile).
Modified duration: 0.37 yrs (upper mid).
Average maturity: 0.46 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~85%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~14.6%).

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 (13 Jul 26)	₹4,029.23 ↑ 1.34 (0.03 %)
Net Assets (Cr)	₹529 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.94
Sharpe Ratio	-0.36
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.67%
Effective Maturity	5 Months 16 Days
Modified Duration	4 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,274
30 Jun 23	₹10,869
30 Jun 24	₹11,574
30 Jun 25	₹12,402
30 Jun 26	₹13,121

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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.1%
1 Year	5.7%
3 Year	6.4%
5 Year	5.6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
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%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Bhupesh Kalyani	1 Apr 26	0.25 Yr.
Avnish Jain	1 Apr 22	4.25 Yr.

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

Asset Allocation

Asset Class	Value
Cash	84.71%
Debt	14.95%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	55.62%
Cash Equivalent	35.01%
Government	9.03%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
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
Axis Bank Ltd. Debentures \| -	5%	₹24 Cr	500 ↑ 500
23/07/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹15 Cr	1,500,000
6.75% Govt Stock 2033 Sovereign Bonds \| -	1%	₹5 Cr	500,000
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹2 Cr	1,529
Treps CBLO/Reverse Repo \| -	15%	₹77 Cr
Axis Securities Limited Commercial Paper \| -	5%	₹25 Cr	500

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 (₹140 Cr).
Established history (18+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 5.80% (bottom quartile).
1M return: 0.68% (upper mid).
Sharpe: -0.18 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.64% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.41 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding Bank Of Baroda (~9.2%).

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 (13 Jul 26)	₹3,355.56 ↑ 0.88 (0.03 %)
Net Assets (Cr)	₹140 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.97
Sharpe Ratio	-0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.64%
Effective Maturity	4 Months 28 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,325
30 Jun 23	₹10,946
30 Jun 24	₹11,632
30 Jun 25	₹12,455
30 Jun 26	₹13,189

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 13 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.1%
1 Year	5.8%
3 Year	6.4%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	6.7%
2023	6.2%
2022	4.4%
2021	3.2%
2020	4.9%
2019	7.5%
2018	7.6%
2017	8%
2016	9.1%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.87 Yr.

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

Asset Allocation

Asset Class	Value
Cash	84.25%
Debt	15.41%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	50.18%
Cash Equivalent	34.07%
Government	15.41%

Credit Quality

Rating	Value
AA	8.96%
AAA	91.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Manappuram Finance Limited Debentures \| -	8%	₹11 Cr	1,100,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	7%	₹10 Cr	1,100,000 ↑ 1,100,000
25/12/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹5 Cr	500,000 ↑ 500,000
India (Republic of) - \| -	3%	₹5 Cr	500,000 ↑ 500,000
Tbill Sovereign Bonds \| -	1%	₹2 Cr	175,000
08/10/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹1 Cr	79,600
Corporate Debt Market Development Fund # - \| -	0%	₹0 Cr	417
Bank Of Baroda Certificate of Deposit \| -	9%	₹13 Cr	1,400,000 ↑ 1,400,000
Indian Bank Certificate of Deposit \| -	8%	₹12 Cr	1,200,000
Treps CBLO/Reverse Repo \| -	7%	₹10 Cr

10. Motilal Oswal Ultra Short Term Fund

(Erstwhile Motilal Oswal MOSt Ultra Short Term Bond Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Ultra Short Term Fund

Bottom quartile AUM (₹380 Cr).
Established history (12+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.18% (bottom quartile).
1M return: 0.57% (bottom quartile).
Sharpe: -1.85 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.29 yrs (top quartile).
Average maturity: 0.31 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~19.1%).

Below is the key information for Motilal Oswal Ultra Short Term Fund

Motilal Oswal Ultra Short Term Fund Growth
Launch Date	6 Sep 13
NAV (13 Jul 26)	₹17.3696 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹380 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-1.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.15%
Effective Maturity	3 Months 22 Days
Modified Duration	3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,258
30 Jun 23	₹10,787
30 Jun 24	₹11,432
30 Jun 25	₹12,115
30 Jun 26	₹12,746

Motilal Oswal Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Motilal Oswal 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 13 Jul 26

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	2.8%
1 Year	5.2%
3 Year	5.7%
5 Year	5%
10 Year
15 Year
Since launch	4.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.5%
2024	6%
2023	5.8%
2022	3.6%
2021	2.4%
2020	4.3%
2019	6.2%
2018	-8.1%
2017	5.5%
2016	6.4%

Fund Manager information for Motilal Oswal Ultra Short Term Fund

Name	Since	Tenure
Rakesh Shetty	22 Nov 22	3.61 Yr.

Data below for Motilal Oswal Ultra Short Term Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	81.22%
Debt	18.78%

Debt Sector Allocation

Sector	Value
Cash Equivalent	44%
Corporate	43.76%
Government	12.24%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	19%	₹75 Cr	7,500,000
10/09/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹25 Cr	2,500,000
India (Republic of) - \| -	6%	₹24 Cr	2,500,000
Punjab National Bank Debentures \| -	6%	₹24 Cr	2,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	6%	₹24 Cr	2,500,000
SBI Funds Management Private Ltd Debentures \| -	0%	₹2 Cr	1,358
Union Bank Of India Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
Sundaram Finance Limited Commercial Paper \| -	6%	₹25 Cr	2,500,000
Axis Bank Limited Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
HDFC Bank Limited Certificate of Deposit \| -	6%	₹25 Cr	2,500,000

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۔

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۔