Table of Contents
- রেকারিং ডিপোজিট (RD)
- ফিক্সড ডিপোজিট (FD)
- রিকারিং ডিপোজিট VS ফিক্সড ডিপোজিট
- রিকারিং ডিপোজিট VS ফিক্সড ডিপোজিট: কোথায় বেশি উপার্জন করবেন?
- অন্যান্য বিকল্প
Top 10 Debt - Ultrashort Bond Funds
- Aditya Birla Sun Life Savings Fund
- Nippon India Ultra Short Duration Fund
- ICICI Prudential Ultra Short Term Fund
- DSP BlackRock Money Manager Fund
- Invesco India Ultra Short Term Fund
- UTI Ultra Short Term Fund
- Canara Robeco Ultra Short Term Fund
- SBI Magnum Ultra Short Duration Fund
- BOI AXA Ultra Short Duration Fund
- Kotak Savings Fund
রিকারিং ডিপোজিট বনাম ফিক্সড ডিপোজিট: কোনটি ভালো?
পুনরাবৃত্ত আমানত বনাম ফিক্সড ডিপোজিট? ভাবছেন আপনার টাকা কোথায় সঞ্চয় করবেন? ঠিক আছে, অনেক সময়, বিনিয়োগকারীরা রেকারিং ডিপোজিট (RD) না ফিক্সড ডিপোজিটে (ফিক্সড ডিপোজিট) বিনিয়োগ করতে বিভ্রান্ত হয়ে পড়েন।FD) যদিও এগুলি সবচেয়ে জনপ্রিয় সেভিং স্কিম, বিশেষ করে ঝুঁকি-প্রতিরোধী বিনিয়োগকারীদের মধ্যে, এটা বোঝা গুরুত্বপূর্ণ যে কীভাবে RD এবং FD একে অপরের থেকে আলাদা এবং কোনটি একটি ভালবিনিয়োগ বিকল্প
রেকারিং ডিপোজিট (RD)
RD হল aআর্থিক উপকরণ প্রধানত সঞ্চয় উত্সাহিত করার দিকে নির্দেশিত. এই স্কিমে, বিনিয়োগকারীদের প্রতি মাসে একটি নির্দিষ্ট পরিমাণ অর্থ সংরক্ষণ করার নমনীয়তা রয়েছেব্যাংকএকটি পূর্বনির্ধারিত মেয়াদের জন্য এর বা আর্থিক প্রতিষ্ঠানের RD অ্যাকাউন্ট এবং এই পরিমাণে সুদ উপার্জন করুন। মেয়াদপূর্তিতে, মূল পরিমাণের সাথে সুদ প্রদান করা হয়।
ফিক্সড ডিপোজিট (FD)
ফিক্সড ডিপোজিট হল একটি নির্দিষ্ট পূর্বনির্ধারিত মেয়াদের জন্য ব্যাঙ্ক দ্বারা প্রদত্ত এক ধরনের আর্থিক উপকরণসুদের নির্দিষ্ট হার. এই স্কিমে, একটি FD অ্যাকাউন্ট তৈরি করার সময় একবার একটি নির্দিষ্ট পরিমাণ জমা করা হয়। মেয়াদ শেষে, নির্বাচিত মেয়াদের জন্য সুদের পরিমাণ মূল পরিমাণের সাথে গণনা করা হয় এবং মোট যোগফল ক্রমবর্ধমানভাবে পরিশোধ করা হয়।
রিকারিং ডিপোজিট VS ফিক্সড ডিপোজিট
| পরামিতি | রেকারিং ডিপোজিট (RD) | ফিক্সড ডিপোজিট (FD) |
|---|---|---|
| মেয়াদ | RD এর মেয়াদ সাধারণত 6 মাস থেকে 10 বছর পর্যন্ত পরিবর্তিত হয় | FD স্কিমের মেয়াদ 7 দিন থেকে 10 বছরের মধ্যে |
| সুদের হিসাব | যৌগিক একটি RD স্কিমের জন্য সাধারণত প্রতি ত্রৈমাসিকে সুদ পাওয়া যায় | FD-তে, চক্রবৃদ্ধি সুদ প্রতি বছর অর্জিত সুদের উপর গণনা করা হয় |
| যোগ্যতা | সমস্ত বাসিন্দা ভারতীয় এবং হিন্দু অবিভক্ত পরিবার (HUFs) RD অ্যাকাউন্ট খোলার যোগ্য৷ এই অ্যাকাউন্টটি অপ্রাপ্তবয়স্কদের জন্য তাদের পিতামাতা বা আইনী অভিভাবকরাও খুলতে পারেন | সমস্ত বাসিন্দা ভারতীয় এবং হিন্দু অবিভক্ত পরিবার (HUFs) একটি স্থায়ী আমানত অ্যাকাউন্ট খোলার যোগ্য |
| ট্যাক্স বেনিফিট | এই স্কিমে কোনো কর সুবিধা দেওয়া হয় না | ফিক্সড ডিপোজিটের জন্য, এর অধীনে একটি কর ছাড়ধারা 80C এরআয়কর আইন 1961 প্রযোজ্য। এটি 5 বছরের বেশি আমানতের জন্য প্রযোজ্য (বর্তমান আইন অনুযায়ী) |
| প্রত্যাবর্তন - এর অবস্থা | সুদের হার FD এর মতই কিন্তু সাধারণত, মেয়াদ এবং মাসিক বিনিয়োগের পরিমাণের উপর নির্ভর করে | সুদের হার RD এর মতই কিন্তু নির্ভর করেমূলধন এবং মেয়াদের জন্য বেছে নেওয়া হয়েছে |
| অতিরিক্ত সুবিধা | বেশিরভাগ ব্যাঙ্ক আমানত মূল্যের 90% পর্যন্ত ঋণ দেয় | বেশিরভাগ ব্যাঙ্কই আমানত মূল্যের 70%-90% পর্যন্ত ঋণ দেয়। |
| প্রত্যাহার | কিছু ক্ষেত্রে, জরিমানা ছাড়াই অকাল প্রত্যাহারের অনুমতি দেওয়া হয়। যদিও কিছু ব্যাঙ্ক জরিমানা নিতে পারে | একটি জরিমানা সঙ্গে অকাল প্রত্যাহার অনুমোদিত হয় |
| আয় স্বার্থ | RD-এর উপর অর্জিত সুদ করযোগ্য এবং বেশিরভাগ ব্যাঙ্ক TDS কেটে নেয় | এফডি-তে অর্জিত সুদ করযোগ্য এবং বেশিরভাগ ব্যাঙ্ক টিডিএস কেটে নেয় |
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রিকারিং ডিপোজিট VS ফিক্সড ডিপোজিট: কোথায় বেশি উপার্জন করবেন?
যেহেতু RD এবং FD উভয়ই ঝুঁকি-বিরুদ্ধ বিনিয়োগকারীদের জন্য উপযুক্ত, তাই চূড়ান্ত পছন্দ একজনের প্রয়োজনের উপর নির্ভর করে। একটি এফডি অ্যাকাউন্টে, জমা করা প্রাথমিক একক অঙ্কের উপর সুদ চক্রবৃদ্ধি করা হয়। পুরো জমা করা পরিমাণ এক বছরের জন্য সুদ পায়। যাইহোক, একটি RD-এ, শুধুমাত্র 1ম আমানত প্রথম বছরের জন্য, অর্থাৎ 12 মাসের জন্য সুদ অর্জন করে। দ্বিতীয় আমানত 11 মাসের জন্য, তৃতীয়টি 10 মাসের জন্য, এবং আরও অনেক কিছুর জন্য সুদ অর্জন করে। চক্রবৃদ্ধি প্রভাব বিনিয়োগকারীদের জন্য উচ্চতর রিটার্ন জেনারেট করতে স্থায়ী আমানতকে সক্ষম করে।
যদিও সময়ের সাথে সাথে, কেউ একটি স্থায়ী আমানত দিয়ে আরও বেশি অর্থ উপার্জন করতে পারে (নিচে উদাহরণ দেওয়া হয়েছে), তবে এটিতে মাসিক অল্প পরিমাণ জমা করতে সক্ষম হওয়ার ক্ষেত্রে একটি পুনরাবৃত্ত আমানত অ্যাকাউন্টের নমনীয়তা নেই। সুতরাং, যাদের বিনিয়োগের জন্য একক টাকা নেই তারা মাসিক বিনিয়োগ পছন্দ করতে পারেন।
আরও ভালোভাবে বোঝার জন্য, আমরা উভয় স্কিমের পার্থক্য চিত্রিত করেছি। ব্যবহারকারীরা তাই স্পষ্টভাবে বুঝতে এবং ভাল চয়ন করতে পারেন.
চিত্রণ:
ধরুন আপনি বিনিয়োগ করেন1000 টাকা (এক বছরের জন্য মাসিক) একটি পুনরাবৃত্ত আমানতে এবং আপনি একমুঠো বিনিয়োগ করেছেন৷INR 12,000 বছরের শুরুতে একটি ফিক্সড ডিপোজিটে। এই দুটি পণ্যই আপনাকে ত্রৈমাসিকে 9 শতাংশ চক্রবৃদ্ধি সুদের অফার করে। তাহলেআয় এই দুটি স্কিম থেকে নীচে দেওয়া হল-
| বিশেষ | রেকারিং ডিপোজিট (RD) | ফিক্সড ডিপোজিট (FD) |
|---|---|---|
| বিনিয়োগকৃত পরিমাণ | INR 5,000 (মাসিক) | INR 60,000 (একটি টাকা) |
| মেয়াদ | 1 ২ মাস | 1 ২ মাস |
| বার্ষিক সুদের হার | ৬% | ৬% |
| মোট অর্জিত পরিমাণ | INR 61,986 | INR 63,701 |
| মোট লাভ | INR 1,986 | INR 3,701 |
এখন আপনি যখন RD এবং FD-এর মধ্যে প্রধান পার্থক্য জানেন, আপনি একটি বেছে নিতে পারেন এবং বিজ্ঞতার সাথে বিনিয়োগ করতে পারেন। যদিও FD RD-এর তুলনায় তুলনামূলকভাবে একটি ভাল বৃদ্ধি দেয়, বেশিরভাগ সময়, একটি একক যন্ত্রের জন্য আপনার সমস্ত প্রয়োজন মেটানো সম্ভব নয়। সুতরাং, যখন আপনার বিনিয়োগের জন্য একমুঠো টাকা না থাকে, আপনি প্রতি মাসে আপনার আয় থেকে একটি ছোট পরিমাণ সঞ্চয় করতে পারেন এবং একটি পুনরাবৃত্ত আমানতে বিনিয়োগ করতে পারেন!
অন্যান্য বিকল্প
লিকুইড/আল্ট্রা শর্ট ডেট মিউচুয়াল ফান্ড
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on "The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized." DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on (Erstwhile Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (Erstwhile Canara Robeco Treasury Advantage Fund) To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 14 Jul 08. It is a fund with Low risk and has given a Below is the key information for Canara Robeco Ultra Short Term Fund Returns up to 1 year are on (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. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on (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. BOI AXA Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 16 Jul 08. It is a fund with Moderately Low risk and has given a Below is the key information for BOI AXA Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile Kotak Treasury Advantage Fund) The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved. Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Savings Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (07 Mar 25) ₹533.621 ↑ 0.11 (0.02 %) Net Assets (Cr) ₹16,798 on 31 Jan 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.7 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.84% Effective Maturity 7 Months 20 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,626 28 Feb 22 ₹11,076 28 Feb 23 ₹11,643 29 Feb 24 ₹12,502 28 Feb 25 ₹13,466 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.7% 1 Year 7.7% 3 Year 6.8% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.9% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 10.7 Yr. Kaustubh Gupta 15 Jul 11 13.64 Yr. Monika Gandhi 22 Mar 21 3.95 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 49.07% Debt 50.65% Other 0.28% Debt Sector Allocation
Sector Value Corporate 64.46% Cash Equivalent 31.98% Government 3.28% Credit Quality
Rating Value AA 32.68% AAA 67.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -5% ₹820 Cr 82,000 Shriram Finance Company Limited
Debentures | -4% ₹603 Cr 60,000 Nirma Limited
Debentures | -3% ₹486 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹469 Cr 47,500,000 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 Mankind Pharma Ltd
Debentures | -2% ₹305 Cr 30,500 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹301 Cr 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹299 Cr 30,000 ICICI Home Finance Company Limited
Debentures | -2% ₹270 Cr 27,000 Sk Finance Ltd
Debentures | -2% ₹248 Cr 25,000 2. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (07 Mar 25) ₹3,930.61 ↑ 0.46 (0.01 %) Net Assets (Cr) ₹7,666 on 31 Jan 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.81% Effective Maturity 6 Months 12 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,405 28 Feb 22 ₹11,229 28 Feb 23 ₹11,779 29 Feb 24 ₹12,593 28 Feb 25 ₹13,493 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 7.1% 3 Year 6.3% 5 Year 6.2% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 7.6% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 11.42 Yr. Kinjal Desai 25 May 18 6.77 Yr. Akshay Sharma 1 Dec 22 2.25 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 61.67% Debt 38.06% Other 0.26% Debt Sector Allocation
Sector Value Corporate 45.76% Cash Equivalent 43.86% Government 10.11% Credit Quality
Rating Value AA 17.06% AAA 82.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹309 Cr 3,100 182 DTB 12062025
Sovereign Bonds | -3% ₹240 Cr 24,500,000 PNb Housing Finance Limited
Debentures | -3% ₹225 Cr 22,500 Small Industries Development Bank Of India
Debentures | -3% ₹199 Cr 2,000 Indinfravit Trust
Debentures | -2% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹182 Cr 1,850 HDFC Credila Financial Services Ltd
Debentures | -2% ₹166 Cr 16,500
↓ -1,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹125 Cr 12,500
↑ 5,000 Rural Electrification Corporation Limited
Debentures | -2% ₹125 Cr 12,500
↑ 12,500 Small Industries Development Bank Of India
Debentures | -2% ₹124 Cr 12,500 3. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (07 Mar 25) ₹26.9936 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹13,813 on 31 Jan 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.99 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 7.75% Effective Maturity 6 Months Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,583 28 Feb 22 ₹11,012 28 Feb 23 ₹11,555 29 Feb 24 ₹12,385 28 Feb 25 ₹13,292 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 7.2% 3 Year 6.5% 5 Year 5.8% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.1% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 8.3 Yr. Ritesh Lunawat 15 Jun 17 7.72 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 57.2% Debt 42.52% Other 0.28% Debt Sector Allocation
Sector Value Corporate 54.47% Cash Equivalent 34.55% Government 10.71% Credit Quality
Rating Value AA 19.83% AAA 80.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Limited
Debentures | -3% ₹435 Cr 4,350 364 DTB 13032025
Sovereign Bonds | -3% ₹398 Cr 40,000,000 Bharti Telecom Limited
Debentures | -2% ₹326 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹304 Cr 30,500 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹299 Cr 3,000 Small Industries Development Bank Of India
Debentures | -2% ₹299 Cr 3,000 LIC Housing Finance Limited
Debentures | -2% ₹275 Cr 2,750
↑ 500 Power Finance Corporation Limited
Debentures | -2% ₹225 Cr 2,250 Small Industries Development Bank Of India
Debentures | -2% ₹220 Cr 2,200
↓ -1,550 Oberoi Realty Ltd.
Debentures | -1% ₹200 Cr 20,000 4. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (07 Mar 25) ₹3,327.22 ↑ 4.98 (0.15 %) Net Assets (Cr) ₹3,050 on 31 Jan 25 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -0.68 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.64% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,422 28 Feb 22 ₹10,741 28 Feb 23 ₹11,222 29 Feb 24 ₹11,995 28 Feb 25 ₹12,828 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.5% 1 Year 7% 3 Year 6.2% 5 Year 5.1% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 7.9% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Karan Mundhra 31 May 21 3.75 Yr. Shalini Vasanta 1 Jan 25 0.16 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 58.88% Debt 40.85% Other 0.27% Debt Sector Allocation
Sector Value Corporate 52.96% Cash Equivalent 35.79% Government 10.98% Credit Quality
Rating Value AA 4.61% AAA 95.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -5% ₹156 Cr 1,500 91 DTB 10042025
Sovereign Bonds | -3% ₹99 Cr 10,000,000 Small Industries Development Bank Of India
Debentures | -3% ₹79 Cr 750
↓ -250 Small Industries Development Bank Of India
Debentures | -3% ₹78 Cr 750 182 DTB 01052025
Sovereign Bonds | -2% ₹74 Cr 7,500,000 182 DTB 31072025
Sovereign Bonds | -2% ₹63 Cr 6,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹61 Cr 500
↑ 500 Power Finance Corporation Ltd.
Debentures | -2% ₹57 Cr 550 The Tata Power Company Limited
Debentures | -2% ₹54 Cr 500 National Housing Bank
Debentures | -2% ₹54 Cr 5,000 5. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (07 Mar 25) ₹2,631.53 ↑ 0.42 (0.02 %) Net Assets (Cr) ₹1,391 on 31 Jan 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.59% Effective Maturity 6 Months 2 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,461 28 Feb 22 ₹10,795 28 Feb 23 ₹11,280 29 Feb 24 ₹12,087 28 Feb 25 ₹12,953 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.1% 3 Year 6.3% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.3% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 5.16 Yr. Vikas Garg 27 Jul 21 3.6 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 57.23% Debt 42.51% Other 0.26% Debt Sector Allocation
Sector Value Corporate 43.63% Cash Equivalent 43.11% Government 13.01% Credit Quality
Rating Value AA 17.05% AAA 82.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -6% ₹85 Cr 8,500,000 Small Industries Development Bank Of India
Debentures | -3% ₹50 Cr 5,000,000
↑ 5,000,000 182 DTB 31072025
Sovereign Bonds | -3% ₹49 Cr 5,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹40 Cr 4,000,000 Export Import Bank Of India
Debentures | -3% ₹40 Cr 4,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹35 Cr 3,500,000
↑ 3,500,000 Ongc Petro Additions Limited
Debentures | -2% ₹30 Cr 3,000,000 364 DTB
Sovereign Bonds | -2% ₹30 Cr 3,000,000 Export Import Bank Of India
Debentures | -2% ₹30 Cr 3,000,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 6. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (07 Mar 25) ₹4,137.94 ↑ 0.71 (0.02 %) Net Assets (Cr) ₹3,448 on 31 Jan 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 0.81 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.58% Effective Maturity 4 Months 22 Days Modified Duration 4 Months 14 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,514 28 Feb 22 ₹11,160 28 Feb 23 ₹11,678 29 Feb 24 ₹12,492 28 Feb 25 ₹13,379 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 7% 3 Year 6.3% 5 Year 6% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.5% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Anurag Mittal 21 Jan 25 0.11 Yr. Data below for UTI Ultra Short Term Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 73.01% Debt 26.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 55.78% Corporate 41.82% Government 2.16% Credit Quality
Rating Value AA 18.92% AAA 81.08% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Housing Finance Limited
Debentures | -3% ₹100 Cr 1,000 Small Industries Development Bank Of India
Debentures | -2% ₹75 Cr 750 LIC Housing Finance Ltd
Debentures | -2% ₹75 Cr 750 Shriram Transport Finance Company Limited
Debentures | -1% ₹50 Cr 5,000 ICICI Home Finance Company Limited
Debentures | -1% ₹50 Cr 5,000 India Grid TRust
Debentures | -1% ₹50 Cr 500 HDFC Bank Limited
Debentures | -1% ₹50 Cr 5,000 Kotak Mahindra Prime Limited
Debentures | -1% ₹50 Cr 500 Avanse Financial Services Limited
Debentures | -1% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -1% ₹50 Cr 500 7. Canara Robeco Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 72 in Ultrashort Bond category. Return for 2024 was 6.8% , 2023 was 6.4% and 2022 was 3.9% . Canara Robeco Ultra Short Term Fund
Growth Launch Date 14 Jul 08 NAV (07 Mar 25) ₹3,708.77 ↑ 0.60 (0.02 %) Net Assets (Cr) ₹537 on 31 Jan 25 Category Debt - Ultrashort Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆ Risk Low Expense Ratio 0.95 Sharpe Ratio -1.43 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.57% Effective Maturity 8 Months 7 Days Modified Duration 5 Months Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,401 28 Feb 22 ₹10,688 28 Feb 23 ₹11,154 29 Feb 24 ₹11,888 28 Feb 25 ₹12,687 Returns for Canara Robeco Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.2% 1 Year 6.7% 3 Year 5.9% 5 Year 4.9% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.8% 2022 6.4% 2021 3.9% 2020 2.6% 2019 4.5% 2018 6.6% 2017 6.1% 2016 5.7% 2015 7.3% 2014 8.4% Fund Manager information for Canara Robeco Ultra Short Term Fund
Name Since Tenure Avnish Jain 1 Apr 22 2.92 Yr. Kunal Jain 16 Sep 24 0.45 Yr. Data below for Canara Robeco Ultra Short Term Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 50.88% Debt 48.79% Other 0.33% Debt Sector Allocation
Sector Value Corporate 52.74% Cash Equivalent 34.23% Government 12.7% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -10% ₹50 Cr 500 LIC Housing Finance Ltd
Debentures | -9% ₹45 Cr 450 Power Finance Corporation Limited
Debentures | -6% ₹30 Cr 300 Kotak Mahindra Prime Limited
Debentures | -5% ₹25 Cr 2,500 Bajaj Housing Finance Limited
Debentures | -5% ₹25 Cr 250 Kotak Mahindra Prime Limited
Debentures | -5% ₹25 Cr 2,500 Hdb Financial Services Limited
Debentures | -5% ₹25 Cr 250 7.93% Govt Stock 2033
Sovereign Bonds | -3% ₹15 Cr 1,500,000 Bajaj Finance Limited
Debentures | -2% ₹10 Cr 100 CORPORATE DEBT MARKET DEVELOPMENT FUND CLASS A2
Investment Fund | -0% ₹2 Cr 1,529 8. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (07 Mar 25) ₹5,827.04 ↑ 1.04 (0.02 %) Net Assets (Cr) ₹12,091 on 31 Jan 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 2.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.56% Effective Maturity 7 Months 20 Days Modified Duration 4 Months 20 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,531 28 Feb 22 ₹10,906 28 Feb 23 ₹11,432 29 Feb 24 ₹12,255 28 Feb 25 ₹13,152 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 7.3% 3 Year 6.5% 5 Year 5.6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.3% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Rajeev Radhakrishnan 27 Dec 24 0.18 Yr. Ardhendu Bhattacharya 1 Dec 23 1.25 Yr. Pradeep Kesavan 1 Dec 23 1.25 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 51.33% Debt 48.39% Other 0.27% Debt Sector Allocation
Sector Value Corporate 40.95% Cash Equivalent 38.3% Government 20.48% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2028
Sovereign Bonds | -5% ₹593 Cr 59,000,000 182 DTB 31072025
Sovereign Bonds | -4% ₹486 Cr 50,000,000
↑ 50,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹421 Cr 4,250 Power Finance Corporation Limited
Debentures | -3% ₹384 Cr 3,850 INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -3% ₹361 Cr 400 Hdb Financial Services Limited
Debentures | -3% ₹345 Cr 34,500 Citicorp Finance (India) Ltd.
Debentures | -2% ₹250 Cr 25,000
↑ 25,000 Rec Limited
Debentures | -2% ₹241 Cr 2,450 Tata Capital Housing Finance Limited
Debentures | -2% ₹220 Cr 2,200 08.18 HR UDAY 2025
Domestic Bonds | -2% ₹211 Cr 21,000,000 9. BOI AXA Ultra Short Duration Fund
CAGR/Annualized return of 7% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2024 was 6.7% , 2023 was 6.2% and 2022 was 4.4% . BOI AXA Ultra Short Duration Fund
Growth Launch Date 16 Jul 08 NAV (07 Mar 25) ₹3,088.1 ↑ 0.34 (0.01 %) Net Assets (Cr) ₹170 on 31 Jan 25 Category Debt - Ultrashort Bond AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 1.29 Sharpe Ratio -2.04 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 12 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,446 28 Feb 22 ₹10,793 28 Feb 23 ₹11,306 29 Feb 24 ₹12,025 28 Feb 25 ₹12,826 Returns for BOI AXA Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.2% 1 Year 6.6% 3 Year 5.9% 5 Year 5.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 6.2% 2021 4.4% 2020 3.2% 2019 4.9% 2018 7.5% 2017 7.6% 2016 8% 2015 9.1% 2014 8.7% Fund Manager information for BOI AXA Ultra Short Duration Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.54 Yr. Data below for BOI AXA Ultra Short Duration Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 86.09% Debt 13.63% Other 0.28% Debt Sector Allocation
Sector Value Cash Equivalent 64.78% Corporate 21.66% Government 13.28% Credit Quality
Rating Value AA 6.25% AAA 93.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity Godrej Industries Limited
Debentures | -6% ₹10 Cr 1,010,000
↑ 10,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹10 Cr 1,000,000 Power Finance Corporation Ltd.
Debentures | -6% ₹10 Cr 1,000,000 India (Republic of)
- | -6% ₹9 Cr 950,000 364 DTB 15012026
Sovereign Bonds | -1% ₹2 Cr 200,000 Corporate Debt Market Development Fund
Investment Fund | -0% ₹0 Cr 417 364 DTB 24072025
Sovereign Bonds | -0% ₹0 Cr 30,000 Bank Of Baroda
Certificate of Deposit | -10% ₹16 Cr 1,600,000 Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -10% ₹16 Cr 1,600,000 Bharti Telecom Limited
Commercial Paper | -8% ₹13 Cr 1,400,000 10. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (07 Mar 25) ₹41.8058 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹13,151 on 31 Jan 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 1 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 Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,523 28 Feb 22 ₹10,883 28 Feb 23 ₹11,411 29 Feb 24 ₹12,212 28 Feb 25 ₹13,079 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Mar 25 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.3% 1 Year 7% 3 Year 6.3% 5 Year 5.5% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 8.6% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 16.89 Yr. Manu Sharma 1 Nov 22 2.33 Yr. Data below for Kotak Savings Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 66.43% Debt 33.27% Other 0.3% Debt Sector Allocation
Sector Value Corporate 51.29% Cash Equivalent 35.3% Government 13.11% Credit Quality
Rating Value AA 10.39% AAA 89.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 15052025
Sovereign Bonds | -4% ₹492 Cr 50,000,000 Rural Electrification Corporation Limited
Debentures | -4% ₹475 Cr 47,500
↑ 10,000 Mankind Pharma Ltd
Debentures | -2% ₹300 Cr 30,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹299 Cr 30,000
↑ 5,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹229 Cr 2,300 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 08.49 Tn SDL 2026
Sovereign Bonds | -2% ₹204 Cr 20,080,000
↑ 20,080,000 182 DTB 08052025
Sovereign Bonds | -1% ₹182 Cr 18,500,000 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -1% ₹177 Cr 220
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AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
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