Table of Contents
- રિકરિંગ ડિપોઝિટ (RD)
- આરડી એકાઉન્ટ: સુવિધાઓ
- RD વ્યાજ દરો
- આરડી કેલ્ક્યુલેટર
- RD વ્યાજ કેલ્ક્યુલેટર
- નિષ્કર્ષ
- સમાન વિકલ્પો
Top 6 Debt - Ultrashort Bond Funds
રિકરિંગ ડિપોઝિટ (RD) શું છે?
જો તમે જાણો છો કે કેવી રીતે સિસ્ટમેટિકરોકાણ યોજના (SIP) નામ્યુચ્યુઅલ ફંડ કામ કરે છે, તો તમે રિકરિંગ ડિપોઝિટને સરળતાથી સમજી શકશો! રિકરિંગ ડિપોઝિટ (RD) માં દર મહિને એક નિશ્ચિત હપ્તો બનાવવામાં આવે છે અને વ્યાજ ચૂકવવામાં આવે છેબેંક આ રકમ પર. ચાલો RD એકાઉન્ટ વિશે વધુ સમજીએ,RD વ્યાજ દરો,આરડી કેલ્ક્યુલેટર, RD વ્યાજ કેલ્ક્યુલેટર, વગેરે.
રિકરિંગ ડિપોઝિટ (RD)
રિકરિંગ ડિપોઝિટ એ લોકો માટે રોકાણ કમ બચત વિકલ્પ છે જેઓ ચોક્કસ સમયગાળામાં નિયમિતપણે બચત કરવા અને ઊંચા વ્યાજ દર કમાવવા માંગે છે. દર મહિને, એમાંથી એક નિશ્ચિત રકમ કાપવામાં આવે છેબચત ખાતું અથવા ચાલુ ખાતું. પાકતી મુદતના અંતે, રોકાણકારોને તેમના રોકાણ કરેલા ભંડોળની ચૂકવણી કરવામાં આવે છેઉપાર્જિત વ્યાજ.
જાહેર ક્ષેત્રની બેંકમાં, આરડી ખાતું ઓછામાં ઓછી INR 100 જેટલી ઓછી રકમ સાથે ખોલી શકાય છે. જ્યારે, ખાનગી ક્ષેત્રની બેંકોમાં જમા કરવાની લઘુત્તમ રકમ INR 500 થી INR 1000 છે, જ્યારેટપાલખાતાની કચેરી વ્યક્તિ ફક્ત INR 10 માં ખાતું ખોલાવી શકે છે. કેટલીક બેંકોમાં INR 15 લાખની ઉપલી મર્યાદા હોય છે, જ્યારે અન્ય પાસે આવી કોઈ ઉપલી મર્યાદા હોતી નથી. રિકરિંગ ડિપોઝિટ માટેનો કાર્યકાળ ઓછામાં ઓછો ત્રણ મહિના અને મહત્તમ 10 વર્ષનો છે.
આરડી એકાઉન્ટ: સુવિધાઓ
- તે લોકોમાં બચતની આદત કેળવે છે
- રિકરિંગ ડિપોઝિટમાં વ્યાજનો દર ઊંચો છે
- આરડી સ્કીમ્સ સ્થિર અને સલામત રોકાણ વિકલ્પ પૂરો પાડે છેબજાર વધઘટ
- રોકાણકારો પાકતી મુદત પહેલા તેમનું RD એકાઉન્ટ બંધ કરી શકે છે. પરંતુ, સમય પહેલા ઉપાડ દરમિયાન, રોકાણકારોએ બેંકના આધારે કેટલીક રકમ દંડના રૂપમાં ચૂકવવી પડી શકે છે.
- રોકાણકારો રિકરિંગ ડિપોઝિટ સામે બેલેન્સના 60-90% સુધીની લોન પસંદ કરી શકે છે.
- બેંક છ ચૂકી ગયેલ હપ્તાઓ પર ખાતું બંધ કરી શકે છે. પરંતુ, જો બાકી રકમ છેલ્લા મહિનાથી એક મહિનામાં ચૂકવવામાં આવેડિફૉલ્ટ, તેને પુનર્જીવિત કરી શકાય છે.
- રિકરિંગ ડિપોઝિટ નોમિનેશન સાથે આવે છેસુવિધા
- રિકરિંગ ડિપોઝિટમાં કોઈ TDS (સ્રોત પર કર કપાત) નથી. વ્યાજનો ભાગ કરપાત્ર છે અને તેમાં ઉમેરવામાં આવશેરોકાણકારનીઆવક અને સંબંધિત સ્લેબ મુજબ કર લાદવામાં આવે છે.
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RD વ્યાજ દરો
ભારતની લગભગ તમામ મોટી બેંકો રિકરિંગ ડિપોઝીટ એકાઉન્ટ ઓફર કરે છે. દરેક બેંકમાં વ્યાજ દર અલગ અલગ હોઈ શકે છે, પરંતુ તે સામાન્ય રીતે વચ્ચેની રેન્જ ધરાવે છે7% થી 9.25% p.a, અને પોસ્ટ ઓફિસમાં તે છે7.4% (બજારની પ્રવર્તમાન સ્થિતિને આધારે). વરિષ્ઠ નાગરિકોને મળે છે0.5% વધારાનું વ્યાજ દર, એકવાર નક્કી કર્યા પછી કાર્યકાળ દરમિયાન બદલાતો નથી. જે રોકાણકારો એક સમયે એક કરતાં વધુ હપ્તા ચૂકવવા માગે છે, તેઓ આમ કરી શકે છે.
આરડી કેલ્ક્યુલેટર
રિકરિંગ ડિપોઝિટ કેલ્ક્યુલેટર એ RD પર પાકતી મુદતની રકમની ગણતરી કરવાની સારી રીત છે. પરિપક્વતા પર તમારી RD રકમનો અંદાજ કાઢવા માટે તમે આ પદ્ધતિને અનુસરી શકો છો.
| આરડી કેલ્ક્યુલેટર | INR |
|---|---|
| માસિક ડિપોઝિટની રકમ | 200 |
| મહિનામાં આર.ડી | 60 |
| વ્યાજ દર | 8% |
| વ્યાજસંયોજન આવર્તન | માસિક |
| RD પરિપક્વતા રકમ | INR 1,47,933 |
RD વ્યાજ કેલ્ક્યુલેટર
RD ઈન્ટરેસ્ટ કેલ્ક્યુલેટરની મદદથી ગ્રાહકો તેમની ક્ષમતા નક્કી કરી શકે છેકમાણી. તમારે માસિક અને રોકાણનો સમયગાળો નક્કી કરવાની જરૂર છે (ઉદાહરણ નીચે દર્શાવેલ છે).
| RD વ્યાજ કેલ્ક્યુલેટર | |
|---|---|
| રકમ | INR 1000 |
| વ્યાજ દર | વાર્ષિક 8% |
| સમયગાળો | 12 મહિના |
સારાંશ- ચૂકવેલ કુલ રકમ-INR 12,000 કુલ પરિપક્વતા રકમ-INR 12,530 કુલ વ્યાજ મળવાપાત્ર-INR 530
નિષ્કર્ષ
રિકરિંગ ડિપોઝિટ વ્યક્તિઓને નિયમિતપણે બચત કરવાની ટેવ પાડવા માટે મદદ કરે છે. જો તમે અત્યાર સુધી કોઈ રોકાણ કર્યું નથી, તો રિકરિંગ ડિપોઝિટથી શરૂઆત કરો. ઉપરાંત, ઇમરજન્સી ફંડ અથવા આકસ્મિક ભંડોળ બનાવવા માટે તે એક સારો માર્ગ છે. તમારા ટૂંકા ગાળા અને લાંબા ગાળા માટે દર મહિને થોડી રકમ બચાવવા માટે આ એક આદર્શ રીત છેનાણાકીય લક્ષ્યો.
આજે જ રિકરિંગ ડિપોઝિટ ખાતું ખોલો અને આવતીકાલ માટે બચત કરો!
સમાન વિકલ્પો
મ્યુચ્યુઅલ ફંડમાં કોઈ વ્યક્તિ RD કરતાં વધુ કમાણી કરી શકે છે અને સમાન સલામતી દ્વારા પ્રિન્સિપલ પરરોકાણ લિક્વિડ અથવા અલ્ટ્રા શોર્ટમાંબોન્ડ ફંડ્સ કારણ કે તેઓ 30 દિવસથી વર્ષ કે તેથી વધુ સમય સુધી પાકતી સિક્યોરિટીઝમાં રોકાણ કરે છે.
લિક્વિડ / અલ્ટ્રા શોર્ટ ડેટ મ્યુચ્યુઅલ ફંડ્સ
(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 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 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 (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 "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 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 1. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (24 Dec 24) ₹3,879.04 ↑ 0.41 (0.01 %) Net Assets (Cr) ₹7,603 on 30 Nov 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.72% Effective Maturity 6 Months 9 Days Modified Duration 5 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,511 30 Nov 21 ₹11,330 30 Nov 22 ₹11,831 30 Nov 23 ₹12,621 30 Nov 24 ₹13,528 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 7.2% 3 Year 6.1% 5 Year 6.2% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 11.18 Yr. Kinjal Desai 25 May 18 6.53 Yr. Akshay Sharma 1 Dec 22 2 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 68.32% Debt 31.48% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 51.11% Corporate 45.09% Government 3.61% Credit Quality
Rating Value AA 14.28% AAA 85.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity 191 DTB 12/12/2024
Sovereign Bonds | -4% ₹349 Cr 35,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -4% ₹286 Cr 29,000,000 PNb Housing Finance Limited
Debentures | -3% ₹225 Cr 22,500 Can Fin Homes Limited
Debentures | -3% ₹199 Cr 2,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹199 Cr 2,000 Small Industries Development Bank Of India
Debentures | -3% ₹199 Cr 2,000
↑ 1,000 Indinfravit Trust
Debentures | -2% ₹189 Cr 19,500 Rec Limited
Debentures | -2% ₹182 Cr 1,850 HDFC Credila Financial Services Ltd
Debentures | -1% ₹100 Cr 10,000 Piramal Capital & Housing Finance Ltd
Debentures | -1% ₹100 Cr 10,000 2. Aditya Birla Sun Life Savings Fund
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% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (24 Dec 24) ₹526.333 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹15,890 on 15 Dec 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.32 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 17 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,719 30 Nov 21 ₹11,139 30 Nov 22 ₹11,639 30 Nov 23 ₹12,472 30 Nov 24 ₹13,436 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.8% 3 Year 6.6% 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 10.46 Yr. Kaustubh Gupta 15 Jul 11 13.39 Yr. Monika Gandhi 22 Mar 21 3.7 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 44.4% Debt 55.34% Other 0.25% Debt Sector Allocation
Sector Value Corporate 53.84% Cash Equivalent 39.09% Government 6.82% Credit Quality
Rating Value AA 35.54% AAA 64.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -5% ₹821 Cr 82,000 Aditya BSL Liquid Dir Gr
Investment Fund | -5% ₹751 Cr 18,413,893
↑ 18,413,893 Shriram Finance Company Limited
Debentures | -4% ₹602 Cr 60,000 Nirma Limited
Debentures | -3% ₹487 Cr 48,500
↓ -1,500 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹360 Cr 36,000 Rural Electrification Corporation Limited
Debentures | -2% ₹326 Cr 32,500 Bharti Telecom Limited
Debentures | -2% ₹325 Cr 3,250 7.3% Govt Stock 2028
Sovereign Bonds | -2% ₹317 Cr 31,500,000 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹301 Cr 30,000 3. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (24 Dec 24) ₹26.6371 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹13,935 on 15 Dec 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.92 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 7.6% Effective Maturity 5 Months 16 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,677 30 Nov 21 ₹11,105 30 Nov 22 ₹11,583 30 Nov 23 ₹12,385 30 Nov 24 ₹13,303 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.5% 3 Year 6.3% 5 Year 5.9% 10 Year 15 Year Since launch 7.4% 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 8.05 Yr. Ritesh Lunawat 15 Jun 17 7.47 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 59.36% Debt 40.4% Other 0.24% Debt Sector Allocation
Sector Value Corporate 49.72% Cash Equivalent 40.03% Government 9.31% Securitized 0.71% Credit Quality
Rating Value AA 16.21% AAA 83.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -3% ₹394 Cr 40,000,000 364 DTB 13032025
Sovereign Bonds | -3% ₹392 Cr 40,000,000 LIC Housing Finance Limited
Debentures | -3% ₹385 Cr 3,850 Small Industries Development Bank Of India
Debentures | -3% ₹373 Cr 3,750 Bharti Telecom Limited
Debentures | -2% ₹326 Cr 32,500 India (Republic of)
- | -2% ₹298 Cr 30,000,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹298 Cr 3,000 Rural Electrification Corporation Limited
Debentures | -2% ₹235 Cr 2,350 LIC Housing Finance Limited
Debentures | -2% ₹225 Cr 2,250
↑ 2,250 Oberoi Realty Ltd.
Debentures | -1% ₹200 Cr 20,000 4. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (24 Dec 24) ₹4,083.93 ↑ 0.37 (0.01 %) Net Assets (Cr) ₹3,039 on 30 Nov 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 0.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.59% Effective Maturity 5 Months 9 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,540 30 Nov 21 ₹11,193 30 Nov 22 ₹11,633 30 Nov 23 ₹12,417 30 Nov 24 ₹13,308 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 7.2% 3 Year 6% 5 Year 5.9% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% 2014 8.8% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Ritesh Nambiar 1 Jul 15 9.43 Yr. Data below for UTI Ultra Short Term Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 67.71% Debt 32.09% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 54.4% Corporate 43.77% Government 1.63% Credit Quality
Rating Value AA 21.4% AAA 78.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹149 Cr 1,500 Bajaj Housing Finance Limited
Debentures | -3% ₹100 Cr 1,000 HDFC Bank Limited
Debentures | -2% ₹75 Cr 7,500 Shriram Transport Finance Company Limited
Debentures | -2% ₹50 Cr 5,000 ICICI Home Finance Company Limited
Debentures | -2% ₹50 Cr 5,000 Kotak Mahindra Prime Limited
Debentures | -2% ₹50 Cr 500
↑ 500 Hdb Financial Services Limited
Debentures | -2% ₹50 Cr 500 India Grid TRust
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹50 Cr 500 5. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (24 Dec 24) ₹3,277.67 ↑ 0.25 (0.01 %) Net Assets (Cr) ₹3,062 on 30 Nov 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -0.67 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.47% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,485 30 Nov 21 ₹10,784 30 Nov 22 ₹11,195 30 Nov 23 ₹11,944 30 Nov 24 ₹12,770 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.3% 1 Year 6.9% 3 Year 5.9% 5 Year 5% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.7% 2022 4.1% 2021 2.9% 2020 4.7% 2019 7.3% 2018 5% 2017 6% 2016 7.5% 2015 7.9% 2014 8.8% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Laukik Bagwe 1 Aug 24 0.33 Yr. Karan Mundhra 31 May 21 3.51 Yr. Data below for DSP BlackRock Money Manager Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 64.53% Debt 35.25% Other 0.22% Debt Sector Allocation
Sector Value Corporate 49.14% Cash Equivalent 46.72% Government 3.92% Credit Quality
Rating Value AA 7.54% AAA 92.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -5% ₹153 Cr 1,500 364 DTB 05122024
Sovereign Bonds | -4% ₹125 Cr 12,500,000 182 DTB 23012025
Sovereign Bonds | -3% ₹99 Cr 10,000,000 Power Finance Corporation Limited
Debentures | -3% ₹93 Cr 900 182 DTB 30012025
Sovereign Bonds | -2% ₹59 Cr 6,000,000 Power Finance Corporation Ltd.
Debentures | -2% ₹56 Cr 550 Bharti Telecom Limited
Debentures | -2% ₹54 Cr 500 The Tata Power Company Limited
Debentures | -2% ₹53 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹52 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹52 Cr 500 6. BOI AXA Ultra Short Duration Fund
CAGR/Annualized return of 7% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2023 was 6.2% , 2022 was 4.4% and 2021 was 3.2% . BOI AXA Ultra Short Duration Fund
Growth Launch Date 16 Jul 08 NAV (24 Dec 24) ₹3,048.72 ↑ 0.27 (0.01 %) Net Assets (Cr) ₹185 on 30 Nov 24 Category Debt - Ultrashort Bond AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 1.29 Sharpe Ratio -2.23 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,511 30 Nov 21 ₹10,835 30 Nov 22 ₹11,279 30 Nov 23 ₹11,991 30 Nov 24 ₹12,781 Returns for BOI AXA Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.2% 1 Year 6.7% 3 Year 5.7% 5 Year 5.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.2% 2022 4.4% 2021 3.2% 2020 4.9% 2019 7.5% 2018 7.6% 2017 8% 2016 9.1% 2015 8.7% 2014 9.3% Fund Manager information for BOI AXA Ultra Short Duration Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.29 Yr. Data below for BOI AXA Ultra Short Duration Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 72.94% Debt 26.82% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 72.94% Corporate 21.37% Government 5.45% Credit Quality
Rating Value AA 6.25% AAA 93.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -6% ₹10 Cr 1,000,000 National Bank For Agriculture And Rural Development
Debentures | -6% ₹10 Cr 1,000,000
↑ 1,000,000 Power Finance Corporation Ltd.
Debentures | -6% ₹10 Cr 1,000,000 Godrej Industries Limited
Debentures | -6% ₹10 Cr 1,000,000 India (Republic of)
- | -5% ₹9 Cr 950,000 Rural Electrification Corporation Limited
Debentures | -5% ₹9 Cr 900,000
↑ 900,000 364 DTB 28112024
Sovereign Bonds | -3% ₹5 Cr 500,000 HDFC Bank Limited
Debentures | -2% ₹4 Cr 400,000 364 Day T-Bill 30.01.25
Sovereign Bonds | -1% ₹1 Cr 100,000 Corporate Debt Market Development Fund
Investment Fund | -0% ₹0 Cr 400
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