ફિન્કેશ »મ્યુચ્યુઅલ ફંડ »અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ વિ ફિક્સ્ડ ડિપોઝિટ
Table of Contents
- અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ શું છે?
- ફિક્સ્ડ ડિપોઝિટ શું છે?
- અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ અથવા ફિક્સ્ડ ડિપોઝિટ: કયું સારું છે?
- 10 શ્રેષ્ઠ પ્રદર્શન કરનાર અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ
Top 10 Debt - Ultrashort Bond Funds
- Nippon India Ultra Short Duration Fund
- Aditya Birla Sun Life Savings Fund
- UTI Ultra Short Term Fund
- ICICI Prudential Ultra Short Term Fund
- DSP BlackRock Money Manager Fund
- Principal Ultra Short Term Fund
- Invesco India Ultra Short Term Fund
- Kotak Savings Fund
- SBI Magnum Ultra Short Duration Fund
- Canara Robeco Ultra Short Term Fund
અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ V/s ફિક્સ્ડ ડિપોઝિટ
શું તમે કન્ફ્યુઝ છોક્યાં રોકાણ કરવું ટૂંકા ગાળા માટે પૈસા? અલ્ટ્રા વચ્ચે પસંદગી કરતી વખતે શું તમે મૂંઝવણમાં છોટૂંકા ગાળાના ભંડોળ અને ફિક્સ્ડ ડિપોઝિટ? ચિંતા કરશો નહીં, તમારા પ્રશ્નોના જવાબ અહીં આપવામાં આવશે. અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ એ છેમ્યુચ્યુઅલ ફંડ કેટેગરી કે જે સ્થિર રોકાણ કરે છેઆવક ટૂંકા પરિપક્વતા સમયગાળા ધરાવતા સાધનો. ફિક્સ્ડ ડિપોઝિટ અથવાFD બીજી બાજુ, એક રોકાણનો માર્ગ છે જેમાં લોકો આપેલ સમયમર્યાદા માટે ચોક્કસ રકમ જમા કરે છે અને તેને વ્યાજ સાથે પાકતી મુદત પર પાછું મેળવે છે. તેથી, ચાલો જોઈએ કે અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ અને ફિક્સ્ડ ડિપોઝિટમાંથી કયું રોકાણ કરવું વધુ સારું છે.
અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ શું છે?
અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ એક પ્રકાર છેડેટ ફંડ. આ યોજના તેના ભંડોળનું રોકાણ કરે છેનિશ્ચિત આવક સાધનો કે જેની પરિપક્વતાની મુદત સામાન્ય રીતે વચ્ચે હોય છે91 દિવસથી 1 વર્ષ. આ સ્કીમને ઉપરના ધોરણે ગણવામાં આવે છેલિક્વિડ ફંડ્સ અને જે લોકો નજીવું વધારે જોખમ લેવા તૈયાર છે તેઓ વધુ વળતર મેળવવા અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સમાં રોકાણ કરવાનું પસંદ કરી શકે છે.
ફિક્સ્ડ ડિપોઝિટ શું છે?
ફિક્સ્ડ ડિપોઝિટ અથવા FD એ રોકાણનો પરંપરાગત સ્ત્રોત છે જ્યાં લોકોએ ચોક્કસ કાર્યકાળ માટે અમુક ચોક્કસ રકમ જમા રાખવાની જરૂર હોય છે. રોકાણ કરેલ આ નાણાં વ્યાજ કમાય છે. ટૂંકા ગાળાની તેમજ લાંબા ગાળાની મુદત માટે તેને રોકાણનો સારો માર્ગ પસંદ કરી શકાય છે. FD પરનો વ્યાજ દર પૂર્વનિર્ધારિત છે અને તેનું વળતર રોકાણકારોના હાથમાં કરપાત્ર છે.
અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ અથવા ફિક્સ્ડ ડિપોઝિટ: કયું સારું છે?
બંને રોકાણના માર્ગોની પોતપોતાની લાક્ષણિકતાઓ અને વિશેષતાઓ હોવાથી, ચાલો જોઈએ કે વિવિધ પરિમાણોના આધારે કયો રોકાણ માર્ગ શ્રેષ્ઠ છે.
ન્યૂનતમ રોકાણ
ફિક્સ્ડ ડિપોઝિટના કિસ્સામાં લઘુત્તમ રોકાણ ની વચ્ચેની રેન્જ ધરાવે છે₹1,000- ₹10,000 પર આધાર રાખીનેબેંક. જો કે, અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સના કિસ્સામાં, લઘુત્તમ રોકાણ છેદ્વારા ₹500SIP રોકાણની રીત અનેરોકાણના લમ્પસમ મોડ દ્વારા ₹1,000.
વ્યાજ દર
વ્યાજ દરના સંદર્ભમાં, એફડીમાં પૂર્વનિર્ધારિત વ્યાજ દર હોય છે જે નિયત સમય સાથે બદલાતો નથી. જો કે, અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સના કિસ્સામાં, વળતર યોજનાના પ્રદર્શનના આધારે બદલાય છે. હાલમાં, નાણાકીય વર્ષ 2017-18 મુજબ, FD દરોશ્રેણી જો રોકાણ એક વર્ષ માટે રાખવામાં આવે તો અંદાજે 6%-7% ની વચ્ચે. જો કે, અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સના કિસ્સામાં, જો રોકાણ એક વર્ષ માટે રાખવામાં આવે તો વળતર લગભગ 7% કરતાં વધુ હોય છે.
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કાર્યકાળ
FD નો ઉપયોગ ટૂંકા અને લાંબા ગાળાની બંને મુદત માટે રોકાણ તરીકે થઈ શકે છે. આ એટલા માટે છે કારણ કે તેને પરંપરાગત રોકાણનો માર્ગ માનવામાં આવે છે. તેનાથી વિપરીત,અલ્ટ્રા શોર્ટ ટર્મ ફંડ સામાન્ય રીતે, ટૂંકા ગાળાના રોકાણ કાર્યકાળ માટે વપરાય છે. જે લોકો પાસે વધારે ભંડોળ છેબચત ખાતું વધુ કમાણી કરવા માટે આ યોજનામાં રોકાણ કરવાનું પસંદ કરી શકો છો. રોકાણના સમયગાળા દરમિયાન, લોકો ફિક્સ ડિપોઝિટમાંથી તેમના ભંડોળને ઉપાડી શકતા નથી. જો તેઓને ઉપાડવાની જરૂર હોય તો પણ, તેઓએ બેંકને અમુક નિશ્ચિત ચાર્જ ચૂકવવાની જરૂર છે. બીજી બાજુ, લોકોરોકાણ અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સમાં તેમના નાણાં ફિક્સ્ડ ડિપોઝિટની સરખામણીમાં તેમના નાણાં સરળતાથી ઉપાડી શકે છે. ઘણી યોજનાઓમાં, રોકાણકારોએ દરમિયાન કોઈ એક્ઝિટ લોડ ચૂકવવાની જરૂર નથીવિમોચન.
જોખમ-ભૂખ
FD ને જોખમ-મુક્ત રોકાણનો માર્ગ માનવામાં આવે છે જેમાં; થાપણો વધુ સુરક્ષિત માનવામાં આવે છે. તેનાથી વિપરિત, અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સમાં રોકાણ કરવાનું પસંદ કરતા લોકો ઊંચા વળતર મેળવવા માટે નજીવા ઊંચા સ્તરનું જોખમ લઈ શકે છે.
તરલતા
આપ્રવાહિતા અલ્ટ્રા ટૂંકા ગાળાના ભંડોળના કિસ્સામાં ફિક્સ્ડ ડિપોઝિટની તુલનામાં વધારે છે. ફિક્સ ડિપોઝિટની તુલનામાં આ યોજનાઓમાંથી નાણાં ઉપાડવા તુલનાત્મક રીતે સરળ છે.
કરવેરા
અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ અને ફિક્સ્ડ ડિપોઝિટ બંને માટે ટેક્સના નિયમો અલગ-અલગ છે. ફિક્સ્ડ ડિપોઝિટ પર મળેલા વ્યાજના કિસ્સામાં, નાણાં તેમાં ઉમેરવામાં આવે છેરોકાણકારની આવક અને તેના પર વ્યક્તિના નિયમિત ટેક્સ સ્લેબ મુજબ કર લાદવામાં આવે છે. જો કે, અલ્ટ્રા શોર્ટ ટર્મ ફંડના કિસ્સામાં મળતું વળતર ડેટ ફંડ મુજબ કરપાત્ર છે. નિયમ મુજબ, અલ્ટ્રા શોર્ટ ટર્મ ફંડમાં રોકાણ ત્રણ વર્ષથી વધુ સમય માટે રાખવામાં આવે તો લાંબા ગાળાનાપાટનગર લાભો લાગુ પડે છે જ્યારે જો કાર્યકાળ ત્રણ વર્ષથી ઓછો હોય, તો ટૂંકા ગાળાના મૂડી લાભો લાગુ પડે છે. લાંબા ગાળાના કિસ્સામાંમૂડી લાભ, તેના પર ઇન્ડેક્સેશન લાભો સાથે 20% કર લાદવામાં આવે છે અને ટૂંકા ગાળાના મૂડી લાભ માટે, તે આવકમાં ઉમેરવામાં આવે છે અને વ્યક્તિના સ્લેબ દર મુજબ કર લાદવામાં આવે છે.
નીચે આપેલ કોષ્ટક અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ અને ફિક્સ્ડ ડિપોઝિટ વચ્ચેની સરખામણીનો સારાંશ આપે છે.
| પરિમાણો | અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ | ફિક્સ્ડ ડિપોઝિટ |
|---|---|---|
| પરત કરે છે | સ્કીમની કામગીરી પ્રમાણે બદલાય છે | પૂર્વનિર્ધારિત |
| ન્યૂનતમ રોકાણ | SIPમાં ₹500 અને લમ્પસમમાં ₹1,000 થી શરૂ થાય છે | ₹1,000-₹10,000 વચ્ચેની રેન્જ |
| કાર્યકાળ | સામાન્ય રીતે ટૂંકા ગાળા માટે વપરાય છે | ટૂંકા અને લાંબા ગાળાની બંને મુદત |
| જોખમ | નજીવા ઊંચા | નીચું |
| તરલતા | ઉચ્ચ | નીચું |
| કરવેરા | ટુંકી મુદત નું: વ્યક્તિના સ્લેબ દરો મુજબ કરલાંબા ગાળાના: 20% પર કર લાદવામાં આવ્યો હતો અને કરવેરા લાભો હતા | વ્યક્તિના સ્લેબ દરો મુજબ કર |
10 શ્રેષ્ઠ પ્રદર્શન કરનાર અલ્ટ્રા શોર્ટ ટર્મ 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 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 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 Principal Retail Money Manager Fund) To generate steady return by investing in debt and money market securities.
The portfolio will be predominantly invested in overnight repo, CBLO, floating rate instruments and other fixed income instruments. Principal Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 28 Dec 07. It is a fund with Moderately Low risk and has given a Below is the key information for Principal Ultra Short Term 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 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 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 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 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 (13 Nov 24) ₹3,852.36 ↑ 0.63 (0.02 %) Net Assets (Cr) ₹7,257 on 30 Sep 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 0.07 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.79% Effective Maturity 6 Months 21 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,511 31 Oct 21 ₹11,363 31 Oct 22 ₹11,837 31 Oct 23 ₹12,634 31 Oct 24 ₹13,540 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 6% 5 Year 6.3% 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 11.09 Yr. Kinjal Desai 25 May 18 6.44 Yr. Akshay Sharma 1 Dec 22 1.92 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 59.39% Debt 40.41% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 59.39% Corporate 31.4% Government 9.01% Credit Quality
Rating Value AA 13.94% AAA 86.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity 191 DTB 12/12/2024
Sovereign Bonds | -4% ₹347 Cr 35,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -4% ₹285 Cr 29,000,000
↑ 29,000,000 PNb Housing Finance Limited
Debentures | -3% ₹225 Cr 22,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹199 Cr 2,000 Can Fin Homes Limited
Debentures | -3% ₹199 Cr 2,000 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 Small Industries Development Bank Of India
Debentures | -1% ₹99 Cr 1,000 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 (13 Nov 24) ₹522.2 ↑ 0.11 (0.02 %) Net Assets (Cr) ₹12,417 on 30 Sep 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 2.09 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 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.7% 3 Month 2% 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 30 Sep 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 3. 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 (13 Nov 24) ₹4,056.34 ↑ 0.65 (0.02 %) Net Assets (Cr) ₹2,651 on 30 Sep 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 0.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 5 Months 7 Days Modified Duration 4 Months 27 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,551 31 Oct 21 ₹11,214 31 Oct 22 ₹11,627 31 Oct 23 ₹12,410 31 Oct 24 ₹13,303 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.2% 3 Year 5.9% 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 9.35 Yr. Data below for UTI Ultra Short Term Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 63.31% Debt 36.5% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 63.31% Corporate 29.98% Government 6.52% Credit Quality
Rating Value AA 21.99% AAA 78.01% 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 Bharti Telecom Limited
Debentures | -2% ₹50 Cr 500 ICICI Home Finance Company Limited
Debentures | -2% ₹50 Cr 5,000 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 4. ICICI Prudential Ultra Short Term Fund
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% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (13 Nov 24) ₹26.4493 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹13,590 on 15 Oct 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.18 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 12 Days Modified Duration 4 Months 28 Days 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 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 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 15 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 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 (13 Nov 24) ₹3,256.55 ↑ 0.63 (0.02 %) Net Assets (Cr) ₹2,780 on 30 Sep 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -0.37 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.58% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,505 31 Oct 21 ₹10,803 31 Oct 22 ₹11,186 31 Oct 23 ₹11,935 31 Oct 24 ₹12,763 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.9% 3 Year 5.7% 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 0.25 Yr. Karan Mundhra 31 May 21 3.42 Yr. Data below for DSP BlackRock Money Manager Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 56.77% Debt 43.02% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 56.77% Corporate 37.55% Government 5.47% Credit Quality
Rating Value AA 8.78% AAA 91.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -5% ₹152 Cr 1,500 364 DTB 05122024
Sovereign Bonds | -4% ₹124 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 LIC Housing Finance Limited
Debentures | -2% ₹53 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹52 Cr 500 6. Principal Ultra Short Term Fund
CAGR/Annualized return of 5.8% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2023 was 6.1% , 2022 was 3.7% and 2021 was 2.7% . Principal Ultra Short Term Fund
Growth Launch Date 28 Dec 07 NAV (13 Nov 24) ₹2,579.89 ↑ 0.42 (0.02 %) Net Assets (Cr) ₹1,909 on 30 Sep 24 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.41 Sharpe Ratio -4.2 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 6 Months 11 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,435 31 Oct 21 ₹10,711 31 Oct 22 ₹11,053 31 Oct 23 ₹11,726 31 Oct 24 ₹12,477 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.2% 1 Year 6.4% 3 Year 5.2% 5 Year 4.5% 10 Year 15 Year Since launch 5.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.1% 2022 3.7% 2021 2.7% 2020 4.1% 2019 6.5% 2018 1.2% 2017 6.3% 2016 7.9% 2015 8.8% 2014 9.4% Fund Manager information for Principal Ultra Short Term Fund
Name Since Tenure Dwijendra Srivastava 16 May 22 2.46 Yr. Sandeep Agarwal 1 Jan 22 2.83 Yr. Data below for Principal Ultra Short Term Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 76.33% Debt 23.43% Other 0.24% Debt Sector Allocation
Sector Value Corporate 63.27% Cash Equivalent 30.23% Government 6.25% Credit Quality
Rating Value AA 9.74% AAA 90.26% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Telecom Limited
Debentures | -3% ₹50 Cr 5,000 182 DTB 18102024
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↑ 5,000,000 182 DTB 13032025
Sovereign Bonds | -2% ₹49 Cr 5,000,000 IDFC First Bank Ltd.
Debentures | -2% ₹32 Cr 660 LIC Housing Finance Ltd
Debentures | -2% ₹30 Cr 300 ICICI Bank Ltd.
Debentures | -1% ₹29 Cr 600 PNb Housing Finance Limited
Debentures | -1% ₹25 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 2,500 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -1% ₹25 Cr 250,000 Hdb Financial Services Limited
Debentures | -1% ₹25 Cr 250 7. Invesco India Ultra Short Term Fund
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% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (13 Nov 24) ₹2,576.89 ↑ 0.41 (0.02 %) Net Assets (Cr) ₹1,008 on 30 Sep 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 0.58 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.54% Effective Maturity 5 Months 9 Days Modified Duration 5 Months 2 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 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 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 30 Sep 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 8. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (13 Nov 24) ₹40.9963 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹13,329 on 30 Sep 24 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.49% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,616 31 Oct 21 ₹10,960 31 Oct 22 ₹11,392 31 Oct 23 ₹12,173 31 Oct 24 ₹13,047 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 6% 5 Year 5.5% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.8% 2022 4.5% 2021 3.2% 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% 2015 8.6% 2014 9.4% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 16.56 Yr. Manu Sharma 1 Nov 22 2 Yr. Data below for Kotak Savings Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 55.92% Debt 43.79% Other 0.29% Debt Sector Allocation
Sector Value Corporate 64.05% Cash Equivalent 25.11% Government 10.55% Credit Quality
Rating Value AA 8.16% AAA 91.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 12122024
Sovereign Bonds | -4% ₹495 Cr 50,000,000 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -3% ₹392 Cr 40,000,000
↑ 40,000,000 PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1
Unlisted bonds | -3% ₹387 Cr 386 LIC Housing Finance Ltd
Debentures | -2% ₹298 Cr 3,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 IDFC First Bank Ltd.
Debentures | -2% ₹243 Cr 25,000 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 182 DTB 23012025
Sovereign Bonds | -2% ₹197 Cr 20,000,000 Small Industries Development Bank of India
Debentures | -2% ₹195 Cr 20,000 LIC Housing Finance Ltd
Debentures | -1% ₹174 Cr 1,750 9. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (13 Nov 24) ₹5,709.1 ↑ 1.22 (0.02 %) Net Assets (Cr) ₹12,642 on 30 Sep 24 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 1.68 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 8 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 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.4% 3 Year 6.1% 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 30 Sep 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 10. Canara Robeco Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 72 in Ultrashort Bond category. Return for 2023 was 6.4% , 2022 was 3.9% and 2021 was 2.6% . Canara Robeco Ultra Short Term Fund
Growth Launch Date 14 Jul 08 NAV (13 Nov 24) ₹3,638.75 ↑ 0.64 (0.02 %) Net Assets (Cr) ₹687 on 30 Sep 24 Category Debt - Ultrashort Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆ Risk Low Expense Ratio 0.95 Sharpe Ratio -2.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.38% Effective Maturity 5 Months 13 Days Modified Duration 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,492 31 Oct 21 ₹10,767 31 Oct 22 ₹11,129 31 Oct 23 ₹11,838 31 Oct 24 ₹12,640 Returns for Canara Robeco Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Nov 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.8% 3 Year 5.5% 5 Year 4.8% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.4% 2022 3.9% 2021 2.6% 2020 4.5% 2019 6.6% 2018 6.1% 2017 5.7% 2016 7.3% 2015 8.4% 2014 9.3% Fund Manager information for Canara Robeco Ultra Short Term Fund
Name Since Tenure Avnish Jain 1 Apr 22 2.59 Yr. Kunal Jain 16 Sep 24 0.13 Yr. Data below for Canara Robeco Ultra Short Term Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 55.59% Debt 44.15% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 55.59% Corporate 31.69% Government 12.46% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Finance Corporation Limited
Debentures | -7% ₹45 Cr 450
↓ -250 National Bank For Agriculture And Rural Development
Debentures | -7% ₹42 Cr 420 Kotak Mahindra Prime Limited
Debentures | -4% ₹25 Cr 2,500 Bajaj Finance Limited
Debentures | -4% ₹25 Cr 250 Bajaj Housing Finance Limited
Debentures | -4% ₹25 Cr 250
↑ 250 Sundaram Finance Limited
Debentures | -4% ₹25 Cr 250 364 DTB 05122024
Sovereign Bonds | -4% ₹25 Cr Indian Oil Corporation Limited
Debentures | -4% ₹25 Cr 250 Small Industries Development Bank Of India
Debentures | -4% ₹25 Cr 250
↑ 250 LIC Housing Finance Limited
Debentures | -4% ₹25 Cr 250
આમ, ઉપરોક્ત માપદંડો પરથી, અમે નિષ્કર્ષ પર આવી શકીએ છીએ કે ફિક્સ્ડ ડિપોઝિટની તુલનામાં અલ્ટ્રા શોર્ટ ટર્મ ફંડ્સ વધુ સારો વિકલ્પ છે.
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