الٹرا شارٹ ٹرم فنڈز V/s فکسڈ ڈپازٹس

Updated on October 20, 2026 , 11106 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 (₹16,279 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.10% (top quartile).
1M return: 0.24% (upper mid).
Sharpe: 0.96 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.61% (top quartile).
Modified duration: 0.52 yrs (bottom quartile).
Average maturity: 0.62 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~40%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

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 (22 Oct 26)	₹593.919 ↓ -0.29 (-0.05 %)
Net Assets (Cr)	₹16,279 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	0.96
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	7 Months 13 Days
Modified Duration	6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,404
30 Sep 23	₹11,140
30 Sep 24	₹11,981
30 Sep 25	₹12,919
30 Sep 26	₹13,735

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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.4%
6 Month	3%
1 Year	6.1%
3 Year	7.2%
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	12.21 Yr.
Kaustubh Gupta	15 Jul 11	15.14 Yr.
Monika Gandhi	22 Mar 21	5.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	39.91%
Debt	60.09%

Debt Sector Allocation

Sector	Value
Corporate	71.12%
Government	19.75%
Cash Equivalent	9.12%

Credit Quality

Rating	Value
AA	33.08%
AAA	66.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹850 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹739 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹530 Cr	52,500
Vedanta Limited Debentures \| -	2%	₹450 Cr	44,500
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹324 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹298 Cr	30,000
Adani Airport Holdings Limited Debentures \| -	2%	₹296 Cr	30,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹292 Cr	6,000

2. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

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

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹15,236 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.99% (upper mid).
1M return: 0.21% (lower mid).
Sharpe: 0.96 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.37% (top quartile).
Modified duration: 0.88 yrs (bottom quartile).
Average maturity: 1.30 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.1%).

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 (22 Oct 26)	₹29.9442 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹15,236 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.78
Sharpe Ratio	0.96
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	7.37%
Effective Maturity	1 Year 3 Months 18 Days
Modified Duration	10 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,388
30 Sep 23	₹11,095
30 Sep 24	₹11,911
30 Sep 25	₹12,789
30 Sep 26	₹13,586

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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	2.9%
1 Year	6%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

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	9.8 Yr.
Ritesh Lunawat	15 Jun 17	9.22 Yr.

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

Asset Allocation

Asset Class	Value
Cash	81.46%
Debt	18.23%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	60.13%
Cash Equivalent	48.04%

Credit Quality

Rating	Value
AA	18.98%
AAA	81.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹499 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹374 Cr	37,500 ↑ 12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹350 Cr	35,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹326 Cr	32,500
Vedanta Limited Debentures \| -	2%	₹318 Cr	31,500
6.17% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
India (Republic of) - \| -	2%	₹299 Cr	30,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹271 Cr	275
AU Small Finance Bank Ltd. Debentures \| -	2%	₹246 Cr	5,000
Piramal Finance Limited Debentures \| -	1%	₹231 Cr	23,000

3. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

Research Highlights for UTI Ultra Short Term Fund

Lower mid AUM (₹3,017 Cr).
Established history (23+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 5.78% (lower mid).
1M return: 0.23% (upper mid).
Sharpe: 0.65 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.29% (upper mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.54 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding 26/11/2026 Maturing 364 DTB (~5.4%).

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (22 Oct 26)	₹4,565.72 ↓ -1.63 (-0.04 %)
Net Assets (Cr)	₹3,017 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	6 Months 15 Days
Modified Duration	5 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,360
30 Sep 23	₹11,043
30 Sep 24	₹11,830
30 Sep 25	₹12,653
30 Sep 26	₹13,409

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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.3%
6 Month	2.8%
1 Year	5.8%
3 Year	6.6%
5 Year	6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
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%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jul 26	0.12 Yr.

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

Asset Allocation

Asset Class	Value
Cash	68.18%
Debt	31.46%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	58.26%
Cash Equivalent	27.19%
Government	14.19%

Credit Quality

Rating	Value
AA	27.31%
AAA	72.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
26/11/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹198 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	4%	₹146 Cr	1,500,000,000
Godrej Properties Limited Debentures \| -	2%	₹90 Cr	9,000
Piramal Finance Limited Debentures \| -	2%	₹85 Cr	8,500
Nuvama Wealth Finance Limited Debentures \| -	2%	₹75 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹75 Cr	7,500
Poonawalla Fincorp Limited Debentures \| -	2%	₹75 Cr	7,500
Ujjivan Small Finance Bank Limited Debentures \| -	2%	₹74 Cr	750,000,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹65 Cr	6,500
360 One Prime Limited Debentures \| -	1%	₹50 Cr	5,000

4. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Research Highlights for Kotak Savings Fund

Top quartile AUM (₹15,261 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.79% (upper mid).
1M return: 0.21% (lower mid).
Sharpe: 0.59 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.24% (upper mid).
Modified duration: 0.38 yrs (upper mid).
Average maturity: 0.49 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (22 Oct 26)	₹46.2093 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹15,261 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	0.59
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	5 Months 26 Days
Modified Duration	4 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,371
30 Sep 23	₹11,070
30 Sep 24	₹11,857
30 Sep 25	₹12,696
30 Sep 26	₹13,459

Kotak 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 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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.8%
1 Year	5.8%
3 Year	6.7%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

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	7 Sep 26	0 Yr.
Manu Sharma	7 Sep 26	0 Yr.

Data below for Kotak Savings Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	56.28%
Debt	43.42%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.39%
Cash Equivalent	21.41%
Government	20.91%

Credit Quality

Rating	Value
AA	19.01%
AAA	80.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹576 Cr	57,500
India (Republic of) - \| -	3%	₹513 Cr	52,490,600
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹444 Cr	45,000,000
Mankind Pharma Limited Debentures \| -	2%	₹300 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹298 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
India (Republic of) - \| -	2%	₹247 Cr	25,000,000 ↑ 25,000,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹203 Cr	210
Vedanta Aluminium Metal Limited Debentures \| -	1%	₹201 Cr	20,000
TATA Projects Limited Debentures \| -	1%	₹200 Cr	20,000

5. 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

Upper mid AUM (₹4,425 Cr).
Established history (20+ yrs).
Rating: 2★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.68% (bottom quartile).
1M return: 0.19% (bottom quartile).
Sharpe: 0.44 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.56 yrs (bottom quartile).
Average maturity: 0.18 yrs (top quartile).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding Cholamandalam Investment And Finance Company Limited (~1.9%).

Below is the key information for DSP Money Manager Fund

DSP Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (22 Oct 26)	₹3,663.92 ↓ -1.62 (-0.04 %)
Net Assets (Cr)	₹4,425 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.44
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	2 Months 5 Days
Modified Duration	6 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,330
30 Sep 23	₹10,992
30 Sep 24	₹11,763
30 Sep 25	₹12,585
30 Sep 26	₹13,328

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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.7%
1 Year	5.7%
3 Year	6.5%
5 Year	5.9%
10 Year
15 Year
Since launch	6.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.7%
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%

Fund Manager information for DSP Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5.26 Yr.
Shalini Vasanta	1 Jan 25	1.67 Yr.

Data below for DSP Money Manager Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	57.79%
Debt	42.21%

Debt Sector Allocation

Sector	Value
Corporate	61.18%
Cash Equivalent	22.95%
Government	15.86%

Credit Quality

Rating	Value
AA	17.79%
AAA	82.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹87 Cr	8,000
LIC Housing Finance Ltd Debentures \| -	2%	₹87 Cr	850
Aditya Birla Renewables Limited Debentures \| -	2%	₹81 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹81 Cr	7,500
360 One Prime Limited Debentures \| -	2%	₹76 Cr	7,500
6.38% Maharashtra Sdl 2027 Sovereign Bonds \| -	2%	₹75 Cr	7,500,000
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	1,500 ↑ 500
Piramal Finance Limited Debentures \| -	1%	₹60 Cr	5,500
Nuvama Wealth And Investment Limited Debentures \| -	1%	₹53 Cr	5,000
Torrent Pharmaceuticals Ltd Debentures \| -	1%	₹52 Cr	5,000

6. 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 (₹11,237 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.06% (upper mid).
1M return: 0.29% (upper mid).
Sharpe: 0.94 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.03% (lower mid).
Modified duration: 0.29 yrs (upper mid).
Average maturity: 0.48 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~108%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.7%).

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 (22 Oct 26)	₹6,459.04 ↓ -1.43 (-0.02 %)
Net Assets (Cr)	₹11,237 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.55
Sharpe Ratio	0.94
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.03%
Effective Maturity	5 Months 23 Days
Modified Duration	3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,371
30 Sep 23	₹11,080
30 Sep 24	₹11,895
30 Sep 25	₹12,757
30 Sep 26	₹13,549

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 22 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	1.4%
6 Month	2.9%
1 Year	6.1%
3 Year	6.9%
5 Year	6.3%
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	1.3 Yr.

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

Asset Allocation

Asset Class	Value
Cash	108.18%
Other	0.41%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.65%
Corporate	45.43%

Credit Quality

Rating	Value
AA	21.96%
AAA	78.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹796 Cr	80,000,000
Muthoot Finance Limited Debentures \| -	3%	₹324 Cr	32,500
Adani Power Limited Debentures \| -	3%	₹300 Cr	30,000
Deutsche Bank AG - \| -	2%	-₹250 Cr
HSBC Bank PLC Debentures \| -	2%	-₹250 Cr
Avanse Financial Services Limited Debentures \| -	2%	₹249 Cr	25,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹247 Cr	255
Axis Bank Ltd. Debentures \| -	2%	₹246 Cr	5,000
Bharat Petroleum Corporation Limited Debentures \| -	2%	₹200 Cr	2,000 ↑ 2,000
Muthoot Finance Limited Debentures \| -	2%	₹199 Cr	20,000

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 (16+ 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 (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

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 22 Oct 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. 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 (₹196 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.73% (lower mid).
1M return: 0.18% (bottom quartile).
Sharpe: 0.58 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.43 yrs (lower mid).
Average maturity: 0.43 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~74%).
High-quality debt (AAA/AA ~100%).
Largest holding Export-Import Bank Of India (~8.0%).

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 (22 Oct 26)	₹3,401.24 ↓ -1.06 (-0.03 %)
Net Assets (Cr)	₹196 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.85
Sharpe Ratio	0.58
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	5 Months 5 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,366
30 Sep 23	₹11,019
30 Sep 24	₹11,736
30 Sep 25	₹12,525
30 Sep 26	₹13,268

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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.7%
1 Year	5.7%
3 Year	6.3%
5 Year	5.8%
10 Year
15 Year
Since launch	6.9%

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	5.04 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 30 Sep 26

Asset Allocation

Asset Class	Value
Cash	73.89%
Debt	25.84%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	49.24%
Cash Equivalent	38.59%
Government	11.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	7%	₹14 Cr	1,400,000
Rec Limited Debentures \| -	6%	₹12 Cr	1,200,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	6%	₹11 Cr	1,100,000
25/12/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹5 Cr	500,000
India (Republic of) - \| -	3%	₹5 Cr	500,000
Tbill Sovereign Bonds \| -	1%	₹2 Cr	250,000 ↑ 250,000
Tbill Sovereign Bonds \| -	1%	₹2 Cr	175,000
08/10/2026 Maturing 364 DTB Sovereign Bonds \| -	0%	₹1 Cr	79,600
Corporate Debt Market Development Fund # - \| -	0%	₹1 Cr	417
Export-Import Bank Of India Commercial Paper \| -	8%	₹15 Cr	1,500,000 ↑ 1,500,000

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

Lower mid AUM (₹534 Cr).
Established history (13+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 5.13% (bottom quartile).
1M return: 0.20% (bottom quartile).
Sharpe: -0.50 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.34 yrs (upper mid).
Average maturity: 0.36 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding Trp_160926 (~9.7%).

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 (22 Oct 26)	₹17.5891 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹534 on 30 Sep 26
Category	Debt - Ultrashort Bond
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆
Risk	Moderately Low
Expense Ratio	0.93
Sharpe Ratio	-0.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.39%
Effective Maturity	4 Months 10 Days
Modified Duration	4 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,291
30 Sep 23	₹10,868
30 Sep 24	₹11,531
30 Sep 25	₹12,178
30 Sep 26	₹12,821

Motilal Oswal 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 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 22 Oct 26

Duration	Returns
1 Month	0.2%
3 Month	1.2%
6 Month	2.5%
1 Year	5.1%
3 Year	5.6%
5 Year	5.1%
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	3.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	67.51%
Debt	32.49%

Debt Sector Allocation

Sector	Value
Corporate	41.53%
Government	32.18%
Cash Equivalent	26.29%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
04/02/2027 Maturing 364 DTB Sovereign Bonds \| -	9%	₹49 Cr	5,000,000
India (Republic of) - \| -	5%	₹25 Cr	2,500,000 ↑ 2,500,000
India (Republic of) - \| -	5%	₹24 Cr	2,500,000
India (Republic of) - \| -	5%	₹24 Cr	2,500,000
Punjab National Bank Debentures \| -	5%	₹24 Cr	2,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	5%	₹24 Cr	2,500,000
SBI Funds Management Private Ltd Debentures \| -	0%	₹2 Cr	1,358
Trp_160926 CBLO/Reverse Repo \| -	10%	₹52 Cr
Bajaj Finance Limited Commercial Paper \| -	5%	₹25 Cr	2,500,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) Certificate of Deposit \| -	5%	₹24 Cr	2,500,000

10. Essel Ultra Short Term Fund

To provide optimal returns & liquidity to the investors by investing primarily in a mix of money market & short term debt instruments which results in a portfolio having marginally higher maturity as compared to a liquid fund at the same time maintaining a balance between safety & liquidity. However, there can be no assurance that the investment objective of the scheme will be achieved. The scheme does not assure or guarantee any returns.

Research Highlights for Essel Ultra Short Term Fund

Bottom quartile AUM (₹13 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 2.06% (bottom quartile).
1M return: 0.29% (top quartile).
Sharpe: -5.11 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.00% (bottom quartile).
Modified duration: 0.27 yrs (top quartile).
Average maturity: 0.29 yrs (upper mid).
Exit load: NIL.

Below is the key information for Essel Ultra Short Term Fund

Essel Ultra Short Term Fund Growth
Launch Date	19 Feb 10
NAV (15 Jul 22)	₹2,251.94 ↑ 0.11 (0.01 %)
Net Assets (Cr)	₹13 on 31 May 22
Category	Debt - Ultrashort Bond
AMC	Essel Funds Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.95
Sharpe Ratio	-5.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5%
Effective Maturity	3 Months 14 Days
Modified Duration	3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value

Essel 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 Essel 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 22 Oct 26

Duration	Returns
1 Month	0.3%
3 Month	0.5%
6 Month	1%
1 Year	2.1%
3 Year	3.1%
5 Year	4.4%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Essel Ultra Short Term Fund

Name	Since	Tenure

Data below for Essel Ultra Short Term Fund as on 31 May 22

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۔