الٹرا شارٹ ٹرم فنڈز V/s فکسڈ ڈپازٹس

Updated on May 29, 2026 , 10814 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. 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 (₹11,083 Cr).
Established history (24+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.79% (upper mid).
1M return: 0.26% (top quartile).
Sharpe: 1.37 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.97% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.71 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 Tbill (~3.6%).

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 Jun 26)	₹4,243.56 ↑ 3.00 (0.07 %)
Net Assets (Cr)	₹11,083 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	1.37
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.97%
Effective Maturity	8 Months 14 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,737
31 May 23	₹11,385
31 May 24	₹12,171
31 May 25	₹13,069
31 May 26	₹13,823

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 1 Jun 26

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.7%
1 Year	5.8%
3 Year	6.7%
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	12.59 Yr.
Kinjal Desai	25 May 18	7.94 Yr.
Akshay Sharma	1 Dec 22	3.42 Yr.
Amber Singhania	11 Mar 26	0.14 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	48.37%
Debt	51.35%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.74%
Cash Equivalent	24.54%
Government	9.43%

Credit Quality

Rating	Value
AA	32.95%
AAA	67.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹392 Cr	40,000,000 ↑ 40,000,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹250 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400 ↑ 1,250
TATA Communications Limited Debentures \| -	2%	₹225 Cr	22,500
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹215 Cr	21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹201 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹195 Cr	1,950
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹188 Cr	4,000 ↑ 4,000

2. 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

Lower mid AUM (₹4,126 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 5.56% (bottom quartile).
1M return: 0.25% (upper mid).
Sharpe: 0.54 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.80% (top quartile).
Modified duration: 0.55 yrs (bottom quartile).
Average maturity: 0.64 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~7.2%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (01 Jun 26)	₹4,454.88 ↑ 3.21 (0.07 %)
Net Assets (Cr)	₹4,126 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.54
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.8%
Effective Maturity	7 Months 21 Days
Modified Duration	6 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,589
31 May 23	₹11,218
31 May 24	₹11,995
31 May 25	₹12,872
31 May 26	₹13,585

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.5%
1 Year	5.6%
3 Year	6.6%
5 Year	6.3%
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	0.47 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	65.56%
Debt	34.12%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	55.43%
Cash Equivalent	32.28%
Government	11.97%

Credit Quality

Rating	Value
AA	24.96%
AAA	75.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	7%	₹298 Cr	3,000,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	4%	₹171 Cr	1,750,000,000 ↑ 1,250,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹122 Cr	1,250,000,000 ↑ 750,000,000
Shriram Finance Limited Debentures \| -	2%	₹100 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	2%	₹100 Cr	10,000 ↑ 10,000
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹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

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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹15,929 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.89% (upper mid).
1M return: 0.23% (lower mid).
Sharpe: 1.75 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.73% (upper mid).
Modified duration: 0.46 yrs (upper mid).
Average maturity: 0.58 yrs (upper mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~3.2%).

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 Jun 26)	₹29.2028 ↑ 0.02 (0.08 %)
Net Assets (Cr)	₹15,929 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	1.75
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	7.73%
Effective Maturity	6 Months 29 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,361
31 May 23	₹11,003
31 May 24	₹11,791
31 May 25	₹12,687
31 May 26	₹13,432

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	2.6%
1 Year	5.9%
3 Year	6.9%
5 Year	6.1%
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	9.46 Yr.
Ritesh Lunawat	15 Jun 17	8.88 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	94.24%
Debt	5.4%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	60.86%
Cash Equivalent	58.77%

Credit Quality

Rating	Value
AA	22.35%
AAA	77.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹441 Cr	450
Vedanta Limited Debentures \| -	3%	₹352 Cr	35,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
Muthoot Finance Limited Debentures \| -	2%	₹296 Cr	29,500
Piramal Finance Limited Debentures \| -	2%	₹241 Cr	24,000 ↓ -500
AU Small Finance Bank Ltd. Debentures \| -	2%	₹237 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹200 Cr	20,000
Motilal Oswal Home Finance Limited Debentures \| -	1%	₹200 Cr	20,000
Nuvama Wealth Finance Limited Debentures \| -	1%	₹200 Cr	20,000
Small Industries Development Bank Of India Debentures \| -	1%	₹200 Cr	20,000

4. 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 (₹4,167 Cr).
Established history (19+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.44% (bottom quartile).
1M return: 0.15% (bottom quartile).
Sharpe: 0.35 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.71% (upper mid).
Modified duration: 0.46 yrs (upper mid).
Average maturity: 0.69 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~63%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~5.9%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (01 Jun 26)	₹3,576.49 ↑ 2.81 (0.08 %)
Net Assets (Cr)	₹4,167 on 15 Apr 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.35
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.71%
Effective Maturity	8 Months 8 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,284
31 May 23	₹10,875
31 May 24	₹11,617
31 May 25	₹12,468
31 May 26	₹13,142

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	2.5%
1 Year	5.4%
3 Year	6.5%
5 Year	5.6%
10 Year
15 Year
Since launch	6.6%

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	4.92 Yr.
Shalini Vasanta	1 Jan 25	1.33 Yr.

Data below for DSP Money Manager Fund as on 15 Apr 26

Asset Allocation

Asset Class	Value
Cash	63.35%
Debt	36.25%
Other	0.41%

Debt Sector Allocation

Sector	Value
Corporate	67.87%
Cash Equivalent	19.27%
Government	12.46%

Credit Quality

Rating	Value
AA	20.53%
AAA	79.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹232 Cr	22,000
Godrej Properties Limited Debentures \| -	3%	₹133 Cr	12,500
Aditya Birla Renewables Limited Debentures \| -	2%	₹79 Cr	7,500
Rec Limited Debentures \| -	2%	₹79 Cr	7,500
Aadhar Housing Finance Limited Debentures \| -	2%	₹78 Cr	7,200
Nuvama Wealth Finance Limited Debentures \| -	1%	₹53 Cr	5,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	1%	₹53 Cr	5,000
Rec Limited Debentures \| -	1%	₹53 Cr	5,000
Power Finance Corporation Limited Debentures \| -	1%	₹53 Cr	5,000
Power Finance Corporation Limited Debentures \| -	1%	₹52 Cr	500

5. 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

Bottom quartile AUM (₹1,073 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.71% (lower mid).
1M return: 0.24% (upper mid).
Sharpe: 0.98 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.66% (upper mid).
Modified duration: 0.48 yrs (lower mid).
Average maturity: 0.50 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~7.0%).

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 Jun 26)	₹2,838.7 ↑ 2.15 (0.08 %)
Net Assets (Cr)	₹1,073 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.98
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.66%
Effective Maturity	6 Months 1 Day
Modified Duration	5 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,290
31 May 23	₹10,891
31 May 24	₹11,664
31 May 25	₹12,534
31 May 26	₹13,248

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	2.6%
1 Year	5.7%
3 Year	6.8%
5 Year	5.8%
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	6.33 Yr.
Vikas Garg	27 Jul 21	4.76 Yr.

Data below for Invesco India Ultra Short Term Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	48.99%
Debt	50.63%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	46.57%
Cash Equivalent	30.32%
Government	22.74%

Credit Quality

Rating	Value
AA	15.72%
AAA	84.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹75 Cr	7,500,000 ↓ -2,500,000
Small Industries Development Bank Of India Debentures \| -	6%	₹65 Cr	6,500,000
Export Import Bank Of India Debentures \| -	5%	₹50 Cr	5,000,000
17/09/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹49 Cr	5,000,000 ↑ 5,000,000
Power Grid Corporation Of India Limited Debentures \| -	3%	₹35 Cr	3,500,000 ↑ 3,500,000
Power Finance Corporation Limited Debentures \| -	3%	₹35 Cr	3,500,000
India (Republic of) - \| -	3%	₹34 Cr	3,500,000 ↑ 3,500,000
Manappuram Finance Limited Debentures \| -	3%	₹28 Cr	2,800,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Sundaram Home Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000

6. 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 (₹16,824 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.56% (lower mid).
1M return: 0.12% (bottom quartile).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.53% (lower mid).
Modified duration: 0.48 yrs (lower mid).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~53%).
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 (01 Jun 26)	₹45.081 ↑ 0.04 (0.09 %)
Net Assets (Cr)	₹16,824 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.26
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	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,327
31 May 23	₹10,956
31 May 24	₹11,718
31 May 25	₹12,586
31 May 26	₹13,284

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 1 Jun 26

Duration	Returns
1 Month	0.1%
3 Month	1.1%
6 Month	2.5%
1 Year	5.6%
3 Year	6.6%
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	18.05 Yr.
Manu Sharma	1 Nov 22	3.5 Yr.

Data below for Kotak Savings Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	53.34%
Debt	46.35%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	59.87%
Government	20.43%
Cash Equivalent	19.39%

Credit Quality

Rating	Value
AA	14.32%
AAA	85.68%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹576 Cr	57,500
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹446 Cr	45,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
Indusind Bank Ltd. Debentures \| -	2%	₹285 Cr	30,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹245 Cr	25,000,000
6.22% Govt Stock 2028 Sovereign Bonds \| -	2%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹206 Cr	210
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹200 Cr	20,000

7. 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 (₹12,553 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 5.75% (upper mid).
1M return: 0.22% (lower mid).
Sharpe: 1.67 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.51% (lower mid).
Modified duration: 0.46 yrs (upper mid).
Average maturity: 0.84 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~60%).
High-quality debt (AAA/AA ~100%).
Largest holding TATA Communications Limited (~4.4%).

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 (01 Jun 26)	₹6,291.8 ↑ 3.03 (0.05 %)
Net Assets (Cr)	₹12,553 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	1.67
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.51%
Effective Maturity	10 Months 2 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,326
31 May 23	₹10,966
31 May 24	₹11,751
31 May 25	₹12,644
31 May 26	₹13,371

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.6%
1 Year	5.7%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7%

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	0.96 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	60.1%
Debt	39.51%
Other	0.39%

Debt Sector Allocation

Sector	Value
Corporate	66.75%
Cash Equivalent	18.78%
Government	14.08%

Credit Quality

Rating	Value
AA	18.97%
AAA	81.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
TATA Communications Limited Debentures \| -	4%	₹551 Cr	55,000
Small Industries Development Bank of India Debentures \| -	4%	₹516 Cr	11,000
Canara Bank Domestic Bonds \| -	4%	₹487 Cr	10,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹376 Cr	8,000 ↓ -2,000
Adani Power Limited Debentures \| -	2%	₹299 Cr	30,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹251 Cr	255
Muthoot Finance Limited Debentures \| -	2%	₹225 Cr	22,500
Oberoi Realty Limited Debentures \| -	2%	₹201 Cr	20,000
India (Republic of) - \| -	2%	₹198 Cr	20,000,000 ↑ 20,000,000
Eris Lifesciences Limited Debentures \| -	1%	₹151 Cr	15,000

8. 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 (₹19,985 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.94% (top quartile).
1M return: 0.18% (bottom quartile).
Sharpe: 1.75 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.45% (bottom quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.59 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~75%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.9%).

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 Jun 26)	₹578.32 ↑ 0.46 (0.08 %)
Net Assets (Cr)	₹19,985 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	1.75
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,375
31 May 23	₹11,037
31 May 24	₹11,857
31 May 25	₹12,812
31 May 26	₹13,570

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.5%
1 Year	5.9%
3 Year	7.1%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.87 Yr.
Kaustubh Gupta	15 Jul 11	14.81 Yr.
Monika Gandhi	22 Mar 21	5.11 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	24.58%
Debt	75.09%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	70.67%
Government	20.54%
Cash Equivalent	8.45%

Credit Quality

Rating	Value
AA	31.99%
AAA	68.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹980 Cr	100,000,000 ↑ 100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹743 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹609 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹536 Cr	11,000 ↑ 11,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹388 Cr	39,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500 ↑ 25,000
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000

9. 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 (₹428 Cr).
Established history (12+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 4.91% (bottom quartile).
1M return: 0.24% (upper mid).
Sharpe: -1.49 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.92% (bottom quartile).
Modified duration: 0.25 yrs (top quartile).
Average maturity: 0.27 yrs (top quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Conservative stance with elevated cash (~64%).
High-quality debt (AAA/AA ~100%).
Largest holding 30/07/2026 Maturing 364 DTB (~18.0%).

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 (01 Jun 26)	₹17.2247 ↑ 0.01 (0.06 %)
Net Assets (Cr)	₹428 on 30 Apr 26
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-1.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.92%
Effective Maturity	3 Months 7 Days
Modified Duration	3 Months

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,238
31 May 23	₹10,752
31 May 24	₹11,395
31 May 25	₹12,076
31 May 26	₹12,667

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 1 Jun 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.3%
1 Year	4.9%
3 Year	5.6%
5 Year	4.8%
10 Year
15 Year
Since launch	4.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	5.5%
2023	6%
2022	5.8%
2021	3.6%
2020	2.4%
2019	4.3%
2018	6.2%
2017	-8.1%
2016	5.5%
2015	6.4%

Fund Manager information for Motilal Oswal Ultra Short Term Fund

Name	Since	Tenure
Rakesh Shetty	22 Nov 22	3.44 Yr.

Data below for Motilal Oswal Ultra Short Term Fund as on 30 Apr 26

Asset Allocation

Asset Class	Value
Cash	64.03%
Debt	35.97%

Debt Sector Allocation

Sector	Value
Government	41.63%
Corporate	36.29%
Cash Equivalent	22.08%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
30/07/2026 Maturing 364 DTB Sovereign Bonds \| -	18%	₹74 Cr	7,500,000
10/09/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹24 Cr	2,500,000
India (Republic of) - \| -	6%	₹24 Cr	2,500,000 ↑ 2,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	6%	₹24 Cr	2,500,000 ↑ 2,500,000
SBI Funds Management Private Ltd Debentures \| -	0%	₹2 Cr	1,358 ↑ 1,358
Small Industries Development Bank Of India Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
Tata Capital Limited Commercial Paper \| -	6%	₹25 Cr	2,500,000
Export-Import Bank Of India Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
Indian Bank Certificate of Deposit \| -	6%	₹25 Cr	2,500,000
Union Bank Of India Certificate of Deposit \| -	6%	₹25 Cr	2,500,000

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% (top quartile).
1M return: 0.52% (top 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 May 21	₹10,000
31 May 22	₹10,382
31 May 23	₹11,017

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 1 Jun 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۔