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SWP કેલ્ક્યુલેટર -- વ્યવસ્થિત ઉપાડ પ્લાન કેલ્ક્યુલેટર

Updated on November 19, 2024 , 33986 views

SWP કેલ્ક્યુલેટર એ એક એવું સાધન છે જે વ્યક્તિઓને તેમનું SWP રોકાણ કાર્યકાળમાં કેવું રહેશે તેની ગણતરી કરવામાં મદદ કરે છે. SWP અથવા સિસ્ટમેટિક ઉપાડ પ્લાન એ એકમોને રિડીમ કરવાની અથવા તેમાં રોકાણ કરવાની એક ટેકનિક છેમ્યુચ્યુઅલ ફંડ. SWP માં, વ્યક્તિઓ તેમના નાણાંનું રોકાણ મ્યુચ્યુઅલ ફંડ સ્કીમમાં કરે છે અને પછી આપેલ કાર્યકાળમાં તેમના રોકાણો પાછા ખેંચે છે. SWP સામાન્ય રીતે એવા વ્યક્તિઓ માટે યોગ્ય છે જેઓ ફિક્સની શોધમાં હોય છેઆવક નિયમિત કાર્યકાળ પર. આ લેખ તમને વ્યવસ્થિત ઉપાડ યોજનાની વિભાવના, SWP કેલ્ક્યુલેટર કેવી રીતે કાર્ય કરે છે અને અન્ય સંબંધિત પરિમાણોની સંપૂર્ણ સમજ આપે છે.

મ્યુચ્યુઅલ ફંડમાં SWP નો અર્થ શું છે?

મ્યુચ્યુઅલ ફંડમાં વ્યવસ્થિત ઉપાડ યોજના અથવા SWP એ મ્યુચ્યુઅલ ફંડ રોકાણના એકમોને રિડીમ કરવાની પદ્ધતિસરની અને આયોજિત પ્રક્રિયાનો સંદર્ભ આપે છે. SWP ની વિભાવના વિપરીત રીતે કામ કરે છેSIP. SWP માં, વ્યક્તિઓ મ્યુચ્યુઅલ ફંડ યોજનાઓમાં એકસાથે રકમનું રોકાણ કરે છે જે સામાન્ય રીતે ઓછા જોખમ-ભૂખ ધરાવે છે, જેમ કેલિક્વિડ ફંડ્સ અથવા અતિટૂંકા ગાળાના ભંડોળ. ત્યારબાદ વ્યક્તિઓ નિયમિત અંતરાલ પર રોકાણ કરેલી રકમ ઉપાડવાનું શરૂ કરે છે. વ્યક્તિઓ તેમની જરૂરિયાતોના આધારે માસિક, ત્રિમાસિક, વાર્ષિક, વગેરે જેવી તેમની ઉપાડની આવૃત્તિને કસ્ટમાઇઝ કરી શકે છે. આ કિસ્સામાં, મ્યુચ્યુઅલ ફંડમાં રોકાણ કરાયેલા નાણાં પણ વ્યક્તિઓ માટે આવક મેળવે છે. વ્યક્તિઓ, ખાસ કરીને નિવૃત્ત લોકો, જેઓ આવકના નિયમિત સ્ત્રોતની શોધમાં હોય છે, તેઓ આના દ્વારા વ્યવસ્થિત ઉપાડ યોજના પસંદ કરવાનું પસંદ કરી શકે છે.મ્યુચ્યુઅલ ફંડમાં રોકાણ.

SWP મ્યુચ્યુઅલ ફંડ કેલ્ક્યુલેટર

SWP કેલ્ક્યુલેટર વ્યક્તિઓને આપેલ સમયગાળા દરમિયાન મ્યુચ્યુઅલ ફંડ રોકાણમાં તેમના ઉપાડનો અંદાજ કાઢવામાં મદદ કરે છે. SWP કેલ્ક્યુલેટરમાં દાખલ કરવા માટે જરૂરી ઇનપુટ ડેટામાં નીચેનાનો સમાવેશ થાય છે:

SWP/ઉપાડની રકમ - તે નિશ્ચિત ઉપાડની રકમનો સંદર્ભ આપે છે જે તમે નિયમિત અંતરાલે ઉપાડવાનું આયોજન કરી રહ્યાં છો.
પ્રારંભિક રોકાણ - પ્રારંભિક રોકાણ એ એકમ રકમનો સંદર્ભ આપે છે જે તમે મ્યુચ્યુઅલ ફંડ યોજનામાં રોકાણ કરવા માંગો છો.
ઉપાડની આવર્તન - ઉપાડની આવર્તન, તે સમયમર્યાદાનો સંદર્ભ આપે છે કે જેના પર તમે તમારું રોકાણ પાછું ખેંચવા માંગો છો. આ કાં તો માસિક, સાપ્તાહિક અથવા ત્રિમાસિક હોઈ શકે છે. સામાન્ય રીતે ગણતરીઓ માસિક માટે કરવામાં આવે છે.
વળતરનો અપેક્ષિત દર - તેનો અર્થ એ છે કે તમે તમારા રોકાણ પર જે વળતરની અપેક્ષા કરો છો.

તો, ચાલો એક ઉદાહરણ સાથે SWP કેલ્ક્યુલેટરની વિભાવનાને વિગતવાર સમજીએ.

નમૂનાનું ચિત્રણ

પ્રારંભિક રોકાણની રકમ - INR 1.20,000
SWP રકમ - INR 10,000
ઉપાડનો કાર્યકાળ - 12 મહિના
અપેક્ષિત વળતર દર - 7%

SWP કોષ્ટકની ગણતરી નીચે મુજબ આપવામાં આવી છે.

માસ	મહિનાની શરૂઆતમાં બેલેન્સ (INR)	વિમોચન રકમ (INR)	કમાયેલ વ્યાજ (INR)	મહિનાના અંતે બેલેન્સ (INR)
1	1,20,000	10,000	642	1,10,642 છે
2	1,10,642 છે	10,000	587	1,01,229 છે
3	1,01,229 છે	10,000	532	91,761 પર રાખવામાં આવી છે
4	91,761 પર રાખવામાં આવી છે	10,000	477	82,238 પર રાખવામાં આવી છે
5	82,238 પર રાખવામાં આવી છે	10,000	421	72,659 પર રાખવામાં આવી છે
6	72,659 પર રાખવામાં આવી છે	10,000	366	63,025 પર રાખવામાં આવી છે
7	63,025 પર રાખવામાં આવી છે	10,000	309	53,334 પર રાખવામાં આવી છે
8	53,334 પર રાખવામાં આવી છે	10,000	253	43,587 પર રાખવામાં આવી છે
9	43,587 પર રાખવામાં આવી છે	10,000	196	33,783 પર રાખવામાં આવી છે
10	33,783 પર રાખવામાં આવી છે	10,000	139	23,921 પર રાખવામાં આવી છે
11	23,921 પર રાખવામાં આવી છે	10,000	81	14,003 છે
12	14,003 છે	10,000	23	4,026 પર રાખવામાં આવી છે

આમ, ઉપરના કોષ્ટકમાંથી, એવું કહી શકાય કે SWP ટ્રાન્ઝેક્શન દ્વારા મ્યુચ્યુઅલ ફંડ સ્કીમનો નફો INR 4,026 છે.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

વ્યવસ્થિત ઉપાડ યોજનાના લાભો

SWP ના કેટલાક મુખ્ય ફાયદા નીચે મુજબ છે.

નિયમિત આવકનો પ્રવાહ

SWP ના પ્રાથમિક ફાયદાઓમાંનો એક એ છે કે વ્યક્તિઓ નિયમિત આવકના સ્ત્રોત તરીકે વ્યવસ્થિત ઉપાડ યોજનાનો ઉપયોગ કરી શકે છે. આ એટલા માટે છે કારણ કે ઉપાડેલી રકમ સ્થિર રહે છે.

શિસ્તબદ્ધ ઉપાડની આદત

SWP વ્યક્તિઓમાં એક શિસ્તબદ્ધ ઉપાડની આદત બનાવે છે કારણ કે માત્ર એક નિશ્ચિત રકમ ઉપાડવામાં આવે છે અને બાકીના નાણાં મ્યુચ્યુઅલ ફંડ્સમાં રોકાણ કરવામાં આવે છે. આ અટકાવે છેપાટનગર રોકાણ પર ધોવાણ. ઉપરાંત, મ્યુચ્યુઅલ ફંડમાં રોકાણ વળતર પેદા કરે છે.

પેન્શન માટે અવેજી

SWP નિવૃત્ત વ્યક્તિઓના કિસ્સામાં પેન્શનના વિકલ્પ તરીકે કામ કરે છે. નિવૃત્ત લોકો SWP દ્વારા નિયમિત આવક માટે પોતાને ખાતરી આપી શકે છે.

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2022 માટે શ્રેષ્ઠ SWP મ્યુચ્યુઅલ ફંડ

SWP સામાન્ય રીતે મ્યુચ્યુઅલ ફંડ સ્કીમ્સમાં કરવામાં આવે છે જેમાં લિક્વિડ ફંડ જેવા જોખમનું નીચું સ્તર હોય છે. તેથી, લિક્વિડ / અલ્ટ્રાશોર્ટ કેટેગરી હેઠળની કેટલીક શ્રેષ્ઠ મ્યુચ્યુઅલ ફંડ યોજનાઓ કરતાં વધુ ચોખ્ખી સંપત્તિ ધરાવે છે1000 કરોડ નીચે મુજબ યાદી થયેલ છે.

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	₹522.987 ↑ 0.15	₹15,098	1.9	3.8	7.7	6.4	7.2	7.78%	5M 19D	7M 24D
BOI AXA Liquid Fund Growth	₹2,882.9 ↑ 0.49	₹1,848	1.8	3.6	7.5	6.3	7	6.86%	1M 28D	1M 24D
ICICI Prudential Ultra Short Term Fund Growth	₹26.4868 ↑ 0.01	₹14,206	1.8	3.6	7.4	6.2	6.9	7.53%	5M 1D	5M 16D
SBI Magnum Ultra Short Duration Fund Growth	₹5,716.78 ↑ 1.43	₹11,751	1.8	3.6	7.4	6.2	7	7.42%	5M 5D	10M 13D
LIC MF Liquid Fund Growth	₹4,529.76 ↑ 0.76	₹10,697	1.8	3.6	7.4	6.2	7	6.99%	1M 4D	1M 4D
Invesco India Ultra Short Term Fund Growth	₹2,580.54 ↑ 0.79	₹1,265	1.8	3.5	7.4	5.9	6.6	7.47%	5M 13D	5M 28D
Axis Liquid Fund Growth	₹2,787.29 ↑ 0.47	₹34,316	1.8	3.6	7.4	6.3	7.1	7.19%	1M 29D	1M 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Nov 24

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.

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 CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (21 Nov 24)	₹522.987 ↑ 0.15 (0.03 %)
Net Assets (Cr)	₹15,098 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.85
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.78%
Effective Maturity	7 Months 24 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,725
31 Oct 21	₹11,155
31 Oct 22	₹11,636
31 Oct 23	₹12,469
31 Oct 24	₹13,431

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 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%
2014	9.7%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.38 Yr.
Kaustubh Gupta	15 Jul 11	13.31 Yr.
Monika Gandhi	22 Mar 21	3.62 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	36.98%
Debt	62.73%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	66.63%
Cash Equivalent	21.1%
Government	11.99%

Credit Quality

Rating	Value
AA	30.91%
AAA	69.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	6%	₹820 Cr	82,000
Shriram Finance Company Limited Debentures \| -	4%	₹601 Cr	60,000 ↑ 10,000
Nirma Limited Debentures \| -	4%	₹501 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹401 Cr	40,000 ↓ -10,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	3%	₹360 Cr	36,000
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
Govt Stock 04102028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000 ↑ 2,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000
Nirma Limited 8.3% Debentures \| -	2%	₹250 Cr	25,000

2. BOI AXA Liquid Fund

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 CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (21 Nov 24)	₹2,882.9 ↑ 0.49 (0.02 %)
Net Assets (Cr)	₹1,848 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	5.42
Information Ratio	-1.39
Alpha Ratio	-0.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.86%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,445
31 Oct 21	₹10,774
31 Oct 22	₹11,247
31 Oct 23	₹12,032
31 Oct 24	₹12,930

BOI AXA Liquid 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 Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.5%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.3%
2014	9%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	94.44%
Government	5.37%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivables / (Payables) Net Current Assets \| -	7%	-₹123 Cr
India (Republic of) - \| -	5%	₹99 Cr	10,000,000
ICICI Bank Ltd. Debentures \| -	5%	₹98 Cr	10,000,000 ↑ 10,000,000
Repo CBLO/Reverse Repo \| -	5%	₹95 Cr
Canara Bank (06/12/2024) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
91 DTB 03012025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Small Industries Dev Bank Of India (10/01/2025) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
182 DTB 01112024 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Reliance Retail Ventures Limited (12/11/2024) Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
Bajaj Financial Securities Limited (19/11/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000

3. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

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

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 CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% .

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 (21 Nov 24)	₹26.4868 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹14,206 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.73
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	5 Months 16 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,702
31 Oct 21	₹11,141
31 Oct 22	₹11,593
31 Oct 23	₹12,398
31 Oct 24	₹13,320

ICICI Prudential 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 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 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%
2014	14.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	7.97 Yr.
Ritesh Lunawat	15 Jun 17	7.39 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	53.59%
Debt	46.16%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	60.64%
Cash Equivalent	25.32%
Government	13.04%
Securitized	0.74%

Credit Quality

Rating	Value
AA	12.82%
AAA	87.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹392 Cr	40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹390 Cr	40,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹372 Cr	3,750
LIC Housing Finance Limited Debentures \| -	2%	₹335 Cr	3,350 ↑ 2,350
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹298 Cr	3,000
India (Republic of) - \| -	2%	₹297 Cr	30,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹293 Cr	6,000
Indusind Bank Ltd. Debentures \| -	2%	₹245 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹235 Cr	2,350

4. 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.

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 CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (21 Nov 24)	₹5,716.78 ↑ 1.43 (0.02 %)
Net Assets (Cr)	₹11,751 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.47
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	10 Months 13 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,625
31 Oct 21	₹10,983
31 Oct 22	₹11,412
31 Oct 23	₹12,210
31 Oct 24	₹13,117

SBI Magnum Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%
2015	8.3%
2014	9%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Arun R.	1 Jun 21	3.42 Yr.
Ardhendu Bhattacharya	1 Dec 23	0.92 Yr.
Pradeep Kesavan	1 Dec 23	0.92 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	46.73%
Debt	53.02%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	46.73%
Corporate	28.98%
Government	24.04%

Credit Quality

Rating	Value
AA	0.72%
AAA	99.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	10%	₹1,132 Cr	112,500,000 ↑ 112,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹621 Cr	6,250 ↑ 1,500
LIC Housing Finance Ltd Debentures \| -	4%	₹495 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹419 Cr	4,250
Power Finance Corporation Limited Debentures \| -	3%	₹384 Cr	3,850
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
Larsen & Toubro Ltd. Debentures \| -	3%	₹300 Cr	30,000
Rec Limited Debentures \| -	2%	₹240 Cr	2,450
Tata Capital Housing Finance Limited Debentures \| -	2%	₹220 Cr	2,200
08.18 HR UDAY 2025 Domestic Bonds \| -	2%	₹212 Cr	21,000,000

5. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (21 Nov 24)	₹4,529.76 ↑ 0.76 (0.02 %)
Net Assets (Cr)	₹10,697 on 15 Nov 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	4.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	1 Month 4 Days
Modified Duration	1 Month 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,466
31 Oct 21	₹10,796
31 Oct 22	₹11,252
31 Oct 23	₹12,023
31 Oct 24	₹12,915

LIC MF Liquid 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 LIC MF Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.7%
2021	3.3%
2020	4.3%
2019	6.5%
2018	7.3%
2017	6.6%
2016	7.6%
2015	8.4%
2014	9%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	9.08 Yr.

Data below for LIC MF Liquid Fund as on 15 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.42%
Corporate	30.18%
Government	4.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 28112024 Sovereign Bonds \| -	4%	₹398 Cr	40,000,000
State Bank Of India Certificate of Deposit \| -	4%	₹397 Cr	8,000
India (Republic of) - \| -	4%	₹394 Cr	40,000,000 ↑ 40,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹348 Cr	7,000
Treps CBLO/Reverse Repo \| -	3%	₹319 Cr
91 DTB 07112024 Sovereign Bonds \| -	3%	₹300 Cr	30,000,000
91 Day T-Bill 15.11.24 Sovereign Bonds \| -	3%	₹299 Cr	30,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹298 Cr	6,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹297 Cr	5,960 ↑ 5,960
Motilal Oswal Financial Services Limited Commercial Paper \| -	3%	₹284 Cr	5,700

6. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

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 CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (21 Nov 24)	₹2,580.54 ↑ 0.79 (0.03 %)
Net Assets (Cr)	₹1,265 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.88
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	5 Months 28 Days
Modified Duration	5 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,543
31 Oct 21	₹10,859
31 Oct 22	₹11,248
31 Oct 23	₹11,997
31 Oct 24	₹12,883

Invesco India Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.5%
1 Year	7.4%
3 Year	5.9%
5 Year	5.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.3%
2014	10.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	4.83 Yr.
Vikas Garg	27 Jul 21	3.27 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	58.17%
Debt	41.65%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	56.9%
Cash Equivalent	35.06%
Government	7.86%

Credit Quality

Rating	Value
AA	20.69%
AAA	79.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 03012025 Sovereign Bonds \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
Larsen & Toubro Ltd. 7.58% Debentures \| -	3%	₹35 Cr	3,500,000 ↑ 3,500,000
Export Import Bank Of India Debentures \| -	3%	₹30 Cr	3,000,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
TATA Steel Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹25 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000

7. Axis Liquid Fund

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 CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2023 was 7.1% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (21 Nov 24)	₹2,787.29 ↑ 0.47 (0.02 %)
Net Assets (Cr)	₹34,316 on 15 Nov 24
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	3.72
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.19%
Effective Maturity	1 Month 29 Days
Modified Duration	1 Month 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,466
31 Oct 21	₹10,799
31 Oct 22	₹11,269
31 Oct 23	₹12,054
31 Oct 24	₹12,947

Axis Liquid 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 Axis Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%
2015	8.4%
2014	9.1%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12 Yr.
Aditya Pagaria	13 Aug 16	8.22 Yr.
Sachin Jain	3 Jul 23	1.33 Yr.

Data below for Axis Liquid Fund as on 15 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.78%
Debt	0%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.49%
Corporate	30.85%
Government	1.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 01112024 Sovereign Bonds \| -	5%	₹1,715 Cr	172,000,000 ↑ 35,000,000
91 DTB 21112024 Sovereign Bonds \| -	3%	₹1,168 Cr	117,500,000 ↑ 500,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹989 Cr	20,000
State Bank Of India Certificate of Deposit \| -	3%	₹986 Cr	20,000 ↑ 20,000
Export-Import Bank Of India Commercial Paper \| -	3%	₹966 Cr	19,500
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹895 Cr	18,000 ↑ 1,000
91 DTB 07112024 Sovereign Bonds \| -	2%	₹862 Cr	86,500,000
Reliance Jio Infocomm Limited Commercial Paper \| -	2%	₹744 Cr	15,000
IDFC First Bank Limited Certificate of Deposit \| -	2%	₹744 Cr	15,000
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	2%	₹733 Cr

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.