Table of Contents
SWP Calculator -- Systematic Withdrawal Plan Calculator
SWP Calculator is a tool that helps individuals to calculate how their SWP investment will be over the tenure. SWP or Systematic Withdrawal Plan is a technique of redeeming the units or investment in Mutual Funds. In SWP, individuals invest their money in a Mutual Fund scheme and then withdraw their investments over a given tenure. SWP is generally suitable for individuals who are looking for a fixed Income over a regular tenure. The article gives you a holistic understanding of the concept of Systematic Withdrawal Plan, how does the SWP calculator work, and other related parameters.
What does SWP in Mutual Fund Mean?
Systematic Withdrawal Plan or SWP in Mutual Funds refers to a systematic and planned process of redeeming the units of Mutual Fund investment. The concept of SWP works in the reverse manner of SIP. In SWP, individuals invest a lump sum amount in Mutual Fund schemes that generally carry a low risk-appetite, like Liquid Funds or ultra short-term funds. The individuals then start to withdraw the invested amount at regular intervals. Individuals can customize their frequency of withdrawal such as monthly, quarterly, annually, and so on, based on their requirements. In this case, the money invested in Mutual Funds also fetches revenue for the individuals. Individuals, especially retired ones, who are looking for a regular source of income can choose to opt for Systematic Withdrawal Plan by investing in Mutual Funds.
SWP Mutual Fund Calculator
SWP Calculator helps individuals to estimate their withdrawals in Mutual Fund investment over a given tenure. The input data that is required to be entered in the SWP calculator includes:
- SWP/Withdrawal Amount - It refers to the fixed withdrawal amount that you are planning to withdraw at regular intervals.
- Initial Investment - Initial investment refers to the lump sum amount that you wish to invest in the Mutual Fund scheme.
- Withdrawal Frequency - Withdrawal frequency, refers to the timeframe at which you would like to withdraw your investment. This can be either monthly, weekly, or quarterly. generally calculations are done for monthly.
- Expected Rate of Returns - It means the returns that you are expecting on your investment.
So, let us have a detailed understand the concept of SWP calculator with an illustration.
Sample Illustration
- Initial Investment Amount - INR 1,20,000
- SWP Amount - INR 10,000
- Withdrawal Tenure - 12 Months
- Expected Rate of Return - 7%
The calculation of the SWP table is given below as follows.
| Month | Balance at the Beginning of the Month (INR) | Redemption Amount (INR) | Interest Earned (INR) | Balance at the End of the Month (INR) |
|---|---|---|---|---|
| 1 | 1,20,000 | 10,000 | 642 | 1,10,642 |
| 2 | 1,10,642 | 10,000 | 587 | 1,01,229 |
| 3 | 1,01,229 | 10,000 | 532 | 91,761 |
| 4 | 91,761 | 10,000 | 477 | 82,238 |
| 5 | 82,238 | 10,000 | 421 | 72,659 |
| 6 | 72,659 | 10,000 | 366 | 63,025 |
| 7 | 63,025 | 10,000 | 309 | 53,334 |
| 8 | 53,334 | 10,000 | 253 | 43,587 |
| 9 | 43,587 | 10,000 | 196 | 33,783 |
| 10 | 33,783 | 10,000 | 139 | 23,921 |
| 11 | 23,921 | 10,000 | 81 | 14,003 |
| 12 | 14,003 | 10,000 | 23 | 4,026 |
Thus, from the above table, it can be said that the profit earned of Mutual Fund scheme by way of SWP transaction is INR 4,026.
VALUE AT END OF TENOR:₹4,597SWP Calculator
Benefits of Systematic Withdrawal Plan
Some of the major benefits of SWP are as follows.
Regular Income Flow
One of the primary advantages of SWP is that individuals can use Systematic Withdrawal Plan as a source of regular income. This is because the amount withdrawn remains constant.
Disciplined Withdrawal Habit
SWP creates a disciplined withdrawal habit among individuals as only a fixed amount is withdrawn and the remaining money is kept invested in Mutual Funds. This prevents Capital erosion on investment. Also, the investment in Mutual Funds generates returns.
Substitute for Pension
SWP acts as a substitute for pension in case of retired individuals. Retirees can assure themselves for regular income through SWP.
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Best SWP Mutual Funds for 2025
SWP is generally done in Mutual Fund schemes that carry a low level of risk like liquid funds. Therefore, some of the best Mutual Fund schemes under liquid / ultrashort category having net assets higher than 1000 crore are listed below as follows.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹541.107
↑ 0.25 ₹13,294 2.2 4.1 7.9 7 7.9 7.75% 6M 25D 7M 28D SBI Magnum Ultra Short Duration Fund Growth ₹5,901.32
↑ 1.35 ₹12,470 2.1 3.8 7.5 6.7 7.4 7.28% 5M 8D 8M 16D ICICI Prudential Ultra Short Term Fund Growth ₹27.3475
↑ 0.01 ₹12,674 2.1 3.8 7.5 6.8 7.5 7.53% 5M 8D 7M 28D BOI AXA Liquid Fund Growth ₹2,971.39
↑ 0.54 ₹1,524 1.9 3.7 7.4 6.9 7.4 6.94% 2M 1D 2M 1D Kotak Savings Fund Growth ₹42.3589
↑ 0.01 ₹11,873 2.1 3.8 7.4 6.6 7.2 7.32% 6M 4D 6M 14D Nippon India Ultra Short Duration Fund Growth ₹3,979.96
↑ 1.20 ₹6,498 2 3.7 7.3 6.6 7.2 7.73% 5M 4D 7M 1D Axis Liquid Fund Growth ₹2,873.19
↑ 0.49 ₹32,609 1.9 3.7 7.3 6.9 7.4 7.08% 2M 4D 2M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 25
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 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 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 Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid 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 (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 To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved. Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a Below is the key information for Axis Liquid 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 (22 Apr 25) ₹541.107 ↑ 0.25 (0.05 %) Net Assets (Cr) ₹13,294 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.09 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.75% Effective Maturity 7 Months 28 Days Modified Duration 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,634 31 Mar 22 ₹11,077 31 Mar 23 ₹11,676 31 Mar 24 ₹12,543 31 Mar 25 ₹13,517 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1.1% 3 Month 2.2% 6 Month 4.1% 1 Year 7.9% 3 Year 7% 5 Year 6.3% 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 Mar 25
Asset Allocation
Asset Class Value Cash 40.5% Debt 59.18% Other 0.32% Debt Sector Allocation
Sector Value Corporate 69.04% Cash Equivalent 24.5% Government 6.14% Credit Quality
Rating Value AA 33.14% AAA 66.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Company Limited
Debentures | -4% ₹603 Cr 60,000 Nirma Limited
Debentures | -3% ₹485 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹471 Cr 47,500,000 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 182 DTB 29082025
Sovereign Bonds | -2% ₹340 Cr 35,000,000 Mankind Pharma Ltd
Debentures | -2% ₹305 Cr 30,500 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹299 Cr 30,000 Axis Bank Ltd.
Debentures | -2% ₹279 Cr 6,000
↑ 6,000 ICICI Home Finance Company Limited
Debentures | -2% ₹270 Cr 27,000 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹250 Cr 25,000
↓ -5,000 2. 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 (22 Apr 25) ₹5,901.32 ↑ 1.35 (0.02 %) Net Assets (Cr) ₹12,470 on 31 Mar 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 1.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.28% Effective Maturity 8 Months 16 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,516 31 Mar 22 ₹10,893 31 Mar 23 ₹11,453 31 Mar 24 ₹12,277 31 Mar 25 ₹13,186 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 3.8% 1 Year 7.5% 3 Year 6.7% 5 Year 5.7% 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 0.26 Yr. Ardhendu Bhattacharya 1 Dec 23 1.33 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 61.18% Debt 38.53% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 46.36% Corporate 33.97% Government 19.38% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 31072025
Sovereign Bonds | -4% ₹454 Cr 46,500,000
↓ -3,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹421 Cr 4,250 7.3% Govt Stock 2028
Sovereign Bonds | -4% ₹417 Cr 41,500,000
↓ -16,500,000 Power Finance Corporation Limited
Debentures | -3% ₹384 Cr 3,850 Hdb Financial Services Limited
Debentures | -3% ₹345 Cr 34,500 INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -3% ₹340 Cr 400 Citicorp Finance (India) Limited
Debentures | -2% ₹250 Cr 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 3. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (22 Apr 25) ₹27.3475 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹12,674 on 31 Mar 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.69 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 7.53% Effective Maturity 7 Months 28 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,589 31 Mar 22 ₹11,009 31 Mar 23 ₹11,594 31 Mar 24 ₹12,428 31 Mar 25 ₹13,344 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 3.8% 1 Year 7.5% 3 Year 6.8% 5 Year 6% 10 Year 15 Year Since launch 7.5% 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 Mar 25
Asset Allocation
Asset Class Value Cash 45.31% Debt 54.4% Other 0.29% Debt Sector Allocation
Sector Value Corporate 56.83% Cash Equivalent 24.3% Government 18.59% Credit Quality
Rating Value AA 20.39% AAA 79.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2028
Sovereign Bonds | -4% ₹583 Cr 58,000,000
↑ 10,000,000 India (Republic of)
- | -4% ₹484 Cr 50,000,000
↑ 50,000,000 LIC Housing Finance Limited
Debentures | -3% ₹434 Cr 4,350 Bharti Telecom Limited
Debentures | -3% ₹351 Cr 35,000
↑ 2,500 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 National Bank For Agriculture And Rural Development
Debentures | -2% ₹249 Cr 2,500 LIC Housing Finance Limited
Debentures | -2% ₹225 Cr 2,250
↓ -500 Oberoi Realty Ltd.
Debentures | -2% ₹200 Cr 20,000 4. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (22 Apr 25) ₹2,971.39 ↑ 0.54 (0.02 %) Net Assets (Cr) ₹1,524 on 31 Mar 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 4.1 Information Ratio -0.18 Alpha Ratio -0.04 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 2 Months 1 Day Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,353 31 Mar 22 ₹10,704 31 Mar 23 ₹11,316 31 Mar 24 ₹12,140 31 Mar 25 ₹13,036 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.4% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.4% 2017 7.4% 2016 6.7% 2015 7.6% 2014 8.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.62 Yr. Data below for BOI AXA Liquid Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 71.33% Corporate 17.78% Government 10.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Punjab National Bank
Certificate of Deposit | -5% ₹98 Cr 10,000,000
↑ 10,000,000 India (Republic of)
- | -5% ₹93 Cr 9,382,500
↑ 9,382,500 Axis Bank Ltd.
Certificate of Deposit | -4% ₹80 Cr 8,100,000 Union Bank Of India
Certificate of Deposit | -4% ₹75 Cr 7,500,000
↓ -2,500,000 LIC Housing Finance Ltd
Commercial Paper | -4% ₹75 Cr 7,500,000 HDFC Securities Limited
Commercial Paper | -4% ₹74 Cr 7,500,000 India (Republic of)
- | -4% ₹74 Cr 7,500,000
↑ 7,500,000 Canara Bank
Domestic Bonds | -4% ₹74 Cr 7,500,000
↑ 7,500,000 Kotak Securities Ltd
Commercial Paper | -3% ₹50 Cr 5,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹50 Cr 5,000,000 5. 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 (22 Apr 25) ₹42.3589 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹11,873 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 6 Months 14 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,510 31 Mar 22 ₹10,871 31 Mar 23 ₹11,437 31 Mar 24 ₹12,236 31 Mar 25 ₹13,117 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 3.8% 1 Year 7.4% 3 Year 6.6% 5 Year 5.6% 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 Mar 25
Asset Allocation
Asset Class Value Cash 59.38% Debt 40.3% Other 0.31% Debt Sector Allocation
Sector Value Corporate 59.06% Cash Equivalent 24.21% Government 16.42% Credit Quality
Rating Value AA 9.91% AAA 90.09% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 15052025
Sovereign Bonds | -4% ₹495 Cr 50,000,000 Rural Electrification Corporation Limited
Debentures | -4% ₹474 Cr 47,500 Mankind Pharma Ltd
Debentures | -2% ₹300 Cr 30,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹299 Cr 30,000 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 Vedanta Limited
Debentures | -2% ₹199 Cr 20,000 Axis Bank Ltd.
Debentures | -1% ₹186 Cr 20,000
↑ 20,000 Small Industries Development Bank of India
Debentures | -1% ₹186 Cr 20,000
↑ 20,000 6. 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 (22 Apr 25) ₹3,979.96 ↑ 1.20 (0.03 %) Net Assets (Cr) ₹6,498 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 1.08 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.73% Effective Maturity 7 Months 1 Day Modified Duration 5 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,494 31 Mar 22 ₹11,303 31 Mar 23 ₹11,890 31 Mar 24 ₹12,714 31 Mar 25 ₹13,630 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 0.9% 3 Month 2% 6 Month 3.7% 1 Year 7.3% 3 Year 6.6% 5 Year 6.4% 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 Mar 25
Asset Allocation
Asset Class Value Cash 51.91% Debt 47.8% Other 0.28% Debt Sector Allocation
Sector Value Corporate 51.73% Cash Equivalent 36.55% Government 11.44% Credit Quality
Rating Value AA 19.13% AAA 80.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹309 Cr 3,100 India (Republic of)
- | -3% ₹242 Cr 25,000,000
↑ 25,000,000 182 DTB 12062025
Sovereign Bonds | -3% ₹241 Cr 24,500,000 Small Industries Development Bank Of India
Debentures | -3% ₹199 Cr 2,000 Indinfravit Trust
Debentures | -3% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹182 Cr 1,850 HDFC Credila Financial Services Ltd
Debentures | -2% ₹166 Cr 16,500 Vedanta Limited
Debentures | -2% ₹165 Cr 16,500 Canara Bank
Domestic Bonds | -2% ₹140 Cr 3,000
↑ 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹125 Cr 12,500 7. Axis Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7.1% and 2022 was 4.9% . Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (22 Apr 25) ₹2,873.19 ↑ 0.49 (0.02 %) Net Assets (Cr) ₹32,609 on 31 Mar 25 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 3.09 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 2 Months 4 Days Modified Duration 2 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,358 31 Mar 22 ₹10,710 31 Mar 23 ₹11,322 31 Mar 24 ₹12,142 31 Mar 25 ₹13,034 Returns for Axis Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.3% 3 Year 6.9% 5 Year 5.5% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7.1% 2021 4.9% 2020 3.3% 2019 4.3% 2018 6.6% 2017 7.5% 2016 6.7% 2015 7.6% 2014 8.4% Fund Manager information for Axis Liquid Fund
Name Since Tenure Devang Shah 5 Nov 12 12.41 Yr. Aditya Pagaria 13 Aug 16 8.64 Yr. Sachin Jain 3 Jul 23 1.75 Yr. Data below for Axis Liquid Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 99.82% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 73.61% Corporate 16.99% Government 9.21% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹2,218 Cr 225,000,000
↑ 225,000,000 91 Days Tbill
Sovereign Bonds | -4% ₹1,770 Cr 178,500,000 Canara Bank
Domestic Bonds | -3% ₹1,474 Cr 30,000
↑ 30,000 Export-Import Bank of India
Commercial Paper | -3% ₹1,449 Cr 29,500
↑ 29,500 India (Republic of)
- | -3% ₹1,280 Cr 130,000,000
↑ 130,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹1,213 Cr 24,700
↑ 24,700 91 DTB 28032025
Sovereign Bonds | -3% ₹1,198 Cr 120,000,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹1,011 Cr 20,500
↓ -500 HDFC Bank Ltd.
Debentures | -2% ₹983 Cr 20,000
↑ 20,000 Bank Of Baroda
Certificate of Deposit | -2% ₹983 Cr 20,000
↑ 20,000
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AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
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