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 Funds

आवर्ती जमा (आरडी) क्या है?

Updated on November 15, 2024 , 59265 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. 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 (17 Nov 24)	₹4,526.53 ↑ 0.82 (0.02 %)
Net Assets (Cr)	₹8,924 on 30 Sep 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	2.93
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.94%
Effective Maturity	1 Month 27 Days
Modified Duration	1 Month 27 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 17 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 30 Sep 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

2. 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 (14 Nov 24)	₹3,853.02 ↑ 0.66 (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

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 17 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
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	11.09 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

3. 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 (14 Nov 24)	₹522.314 ↑ 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

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 17 Nov 24

Duration	Returns
1 Month	0.6%
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

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 (14 Nov 24)	₹4,057.15 ↑ 0.81 (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

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 17 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.5%
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

5. 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 (14 Nov 24)	₹26.4549 ↑ 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

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 17 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.5%
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

6. 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 (14 Nov 24)	₹3,257.13 ↑ 0.58 (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

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 17 Nov 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	7%
3 Year	5.8%
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

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।