Table of Contents

आवर्ती जमा (आरडी)
आरडी खाता: विशेषताएं
आरडी ब्याज दरें
आरडी कैलकुलेटर
आरडी ब्याज कैलकुलेटर
निष्कर्ष
समान विकल्प
- लिक्विड/अल्ट्रा शॉर्ट डेट म्यूचुअल फंड
Top 6 Debt - Ultrashort Bond Funds

आवर्ती जमा (आरडी) क्या है?

Updated on December 18, 2024 , 59536 views

यदि आप जानते हैं कि कैसे एक व्यवस्थितनिवेश योजना (सिप) काम्यूचुअल फंड्स काम करता है, तो आप आसानी से Recurring Deposits को समझ जाएंगे! आवर्ती जमा (आरडी) में हर महीने एक निश्चित किस्त की जाती है और ब्याज का भुगतान किया जाता हैबैंक इस राशि पर। आइए हम RD खाते के बारे में अधिक समझते हैं,आरडी ब्याज दरें,आरडी कैलकुलेटर, आरडी ब्याज कैलकुलेटर, आदि।

आवर्ती जमा (आरडी)

आवर्ती जमा उन लोगों के लिए एक निवेश सह बचत विकल्प है जो एक निश्चित अवधि में नियमित रूप से बचत करना चाहते हैं और उच्च ब्याज दर अर्जित करना चाहते हैं। हर महीने, एक निश्चित राशि की कटौती या तो a . से की जाती हैबचत खाता या एक चालू खाता। परिपक्वता अवधि के अंत में, निवेशकों को उनके निवेशित धन का भुगतान किया जाता हैउपार्जित ब्याज.

एक सार्वजनिक क्षेत्र के बैंक में, एक आरडी खाता न्यूनतम राशि के साथ खोला जा सकता है जो कम से कम 100 रुपये है। जबकि, निजी क्षेत्र के बैंकों में जमा की जाने वाली न्यूनतम राशि INR 500 से INR 1000 है, जबकि एक मेंडाक बंगला कोई सिर्फ 10 रुपये में खाता खोल सकता है। कुछ बैंकों की ऊपरी सीमा 15 लाख रुपये है, जबकि अन्य में ऐसी कोई ऊपरी सीमा नहीं है। आवर्ती जमा के लिए कार्यकाल न्यूनतम तीन महीने और अधिकतम 10 वर्ष है।

आरडी खाता: विशेषताएं

यह लोगों में बचत की आदत पैदा करता है
आवर्ती जमा में ब्याज दर अधिक होती है
आरडी योजनाएं, चाहे कुछ भी हों, एक स्थिर और सुरक्षित निवेश विकल्प प्रदान करती हैंमंडी उतार चढ़ाव
निवेशक परिपक्वता अवधि से पहले अपना आरडी खाता बंद कर सकते हैं। लेकिन, समय से पहले निकासी के दौरान, निवेशकों को बैंक के आधार पर कुछ राशि पेनल्टी के रूप में चुकानी पड़ सकती है।
आवर्ती जमा के बदले निवेशक शेष राशि के 60-90% तक के ऋण का विकल्प चुन सकते हैं
बैंक छह छूटी हुई किश्तों पर खाते को बंद कर सकता है। लेकिन, यदि बकाया राशि का भुगतान अंतिम तिथि से एक माह के भीतर कर दिया जाता हैचूक, इसे पुनर्जीवित किया जा सकता है।
आवर्ती जमा नामांकन के साथ आते हैंसुविधा
आवर्ती जमा में कोई टीडीएस (स्रोत पर कर कटौती) नहीं है। ब्याज का हिस्सा कर योग्य है और इसे a . में जोड़ा जाएगाइन्वेस्टर'एसआय और संबंधित स्लैब के अनुसार कर लगाया।

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आरडी ब्याज दरें

भारत में लगभग सभी प्रमुख बैंक एक आवर्ती जमा खाता प्रदान करते हैं। प्रत्येक बैंक में ब्याज दर भिन्न हो सकती है, लेकिन यह आमतौर पर के बीच होती है7% से 9.25% प्रति वर्ष, और डाकघर में यह है7.4% (मौजूदा बाजार की स्थिति के आधार पर)। वरिष्ठ नागरिकों को मिलता है0.5% अतिरिक्त। एक बार निर्धारित ब्याज दर कार्यकाल के दौरान नहीं बदलती है। जो निवेशक एक बार में एक से ज्यादा किस्त देना चाहते हैं, वे ऐसा कर सकते हैं।

आरडी कैलकुलेटर

आवर्ती जमा कैलकुलेटर आरडी पर परिपक्वता राशि की गणना करने का एक अच्छा तरीका है। मैच्योरिटी पर अपनी आरडी राशि का अनुमान लगाने के लिए आप इस तरीके का पालन कर सकते हैं।

आरडी कैलकुलेटर	INR
मासिक जमा राशि	200
महीने में आरडी	60
ब्याज की दर	8%
रुचिकंपाउंडिंग आवृत्ति	महीने के
आरडी मैच्योरिटी राशि	INR 1,47,933

आरडी ब्याज कैलकुलेटर

RD ब्याज कैलकुलेटर की मदद से ग्राहक अपनी क्षमता का निर्धारण कर सकते हैंआय. आपको वह राशि तय करनी होगी जो आप मासिक निवेश करना चाहते हैं और निवेश की अवधि (उदाहरण नीचे दिखाया गया है)।

आरडी ब्याज कैलकुलेटर
राशि	INR 1000
ब्याज दर	8% प्रति वर्ष
अवधि	12 महीने

सारांश- भुगतान की गई कुल राशि-INR 12,000 कुल परिपक्वता राशि-INR 12,530 प्राप्य कुल ब्याज-INR 530

निष्कर्ष

आवर्ती जमा व्यक्तियों को नियमित रूप से बचत करने की आदत डालने में मदद करता है। अगर आपने अब तक कोई निवेश नहीं किया है, तो रेकरिंग डिपॉजिट से शुरुआत करें। साथ ही, यह एक आपातकालीन निधि या आकस्मिक निधि बनाने का एक अच्छा अवसर है। यह आपकी छोटी अवधि और लंबी अवधि के लिए हर महीने एक छोटी राशि बचाने का एक आदर्श तरीका हैवित्तीय लक्ष्यों.

आज ही आवर्ती जमा खाता खोलें और कल के लिए बचत करें!

समान विकल्प

म्यूचुअल फंड में मूलधन पर समान सुरक्षा के साथ आरडी से अधिक कमा सकते हैंनिवेश लिक्विड या अल्ट्रा शॉर्ट मेंगहरा संबंध फंड के रूप में वे प्रतिभूतियों में निवेश करते हैं जो 30 दिनों से लेकर साल तक परिपक्व होते हैं।

लिक्विड/अल्ट्रा शॉर्ट डेट म्यूचुअल फंड

1. Nippon India Ultra Short Duration Fund

(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 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% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (20 Dec 24)	₹3,877.08 ↑ 0.36 (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

Nippon India Ultra Short Duration 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 Nippon India 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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
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

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 (20 Dec 24)	₹526.161 ↑ 0.14 (0.03 %)
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

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 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	2%
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

(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 7.4% 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 (20 Dec 24)	₹26.6237 ↑ 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

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.8%
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

(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 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% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (20 Dec 24)	₹4,081.94 ↑ 0.66 (0.02 %)
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

UTI 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 UTI 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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
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

"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 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% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (20 Dec 24)	₹3,276.22 ↑ 0.46 (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

DSP BlackRock Money Manager 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 DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 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

(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 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% .

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (20 Dec 24)	₹3,047.37 ↑ 0.53 (0.02 %)
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

BOI AXA 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 BOI AXA 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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.3%
1 Year	6.6%
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

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।