+91-22-489139092022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು 5 ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿ (ಅಲ್ಪಾವಧಿ) ಸಾಲ ನಿಧಿಗಳು
ಸಾಮಾನ್ಯವಾಗಿ, ಜನರು ಅದನ್ನು ನಂಬುತ್ತಾರೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆದಾರರಿಗೆ. ಸರಿ, ಅದು ನಿಜವಲ್ಲ! ಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳ ವರ್ಗವಿದೆಸಾಲ ನಿಧಿ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹಣವನ್ನು ಸುಲಭವಾಗಿ ಇರಿಸಿಕೊಳ್ಳುವ ಜೊತೆಗೆ ಅಲ್ಪಾವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಅವಕಾಶ ಮಾಡಿಕೊಡುತ್ತಾರೆ. ವಿವಿಧ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಲಭ್ಯವಿದ್ದರೂ ಸಹಮಾರುಕಟ್ಟೆ, ಹೂಡಿಕೆದಾರರು ಉತ್ತಮವಾದ ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳನ್ನು ನೋಡಲು ಸೂಚಿಸಲಾಗಿದೆ.
ಉತ್ತಮವಾದ ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಅಲ್ಪಾವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಅನುಮತಿಸುವ ನಿಧಿಗಳಾಗಿವೆ, ಸಾಮಾನ್ಯವಾಗಿ ಮೂರು ವರ್ಷಗಳವರೆಗೆ ಕಡಿಮೆ ಮಾರುಕಟ್ಟೆ ಅಪಾಯದೊಂದಿಗೆ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು. ಈ ನಿಧಿಗಳು ಕಡಿಮೆ-ಅಪಾಯದ ಹಸಿವನ್ನು ಹೊಂದಿರುವ ಹೆಚ್ಚು ಸೂಕ್ತವಾದ ಹೂಡಿಕೆದಾರರಾಗಿದ್ದು, ಅವರು ತ್ವರಿತ ಆದಾಯ ಮತ್ತು ಸ್ಥಿರ ಹರಿವನ್ನು ಬಯಸುತ್ತಾರೆಆದಾಯ ಬಾಂಡ್ ಮಾರುಕಟ್ಟೆಗಳಲ್ಲಿನ ದೈನಂದಿನ ಬದಲಾವಣೆಗಳಿಂದ ಪ್ರಭಾವಿತವಾಗದೆ.
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ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು FY 22 - 23
(Erstwhile HDFC Short Term Opportunities Fund) To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months. Below is the key information for HDFC Short Term Debt Fund Returns up to 1 year are on To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Short Term Fund Below is the key information for ICICI Prudential Short Term Fund Returns up to 1 year are on To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Axis Short Term Fund Below is the key information for Axis Short Term Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income
securitites of a short term maturity. Research Highlights for Nippon India Short Term Fund Below is the key information for Nippon India Short Term Fund Returns up to 1 year are on To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency,
and money market instruments. Research Highlights for SBI Short Term Debt Fund Below is the key information for SBI Short Term Debt Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Short Term Debt Fund Growth ₹32.4219
↑ 0.00 ₹18,143 1.2 4.5 8.1 7.6 8.3 6.8% 2Y 4M 10D 3Y 6M 25D ICICI Prudential Short Term Fund Growth ₹60.9507
↑ 0.01 ₹22,070 1.3 4.5 8.1 7.6 7.8 7.11% 2Y 2M 5D 4Y 25D Axis Short Term Fund Growth ₹31.3435
↑ 0.01 ₹11,760 1.3 4.8 8.5 7.5 8 6.76% 2Y 2M 5D 2Y 10M 20D Nippon India Short Term Fund Growth ₹53.4641
↑ 0.02 ₹8,739 1.1 4.6 8.3 7.4 8 6.93% 2Y 7M 24D 3Y 4M 2D SBI Short Term Debt Fund Growth ₹32.5488
↑ 0.01 ₹16,453 1.2 4.6 8.2 7.4 7.7 6.87% 2Y 8M 23D 3Y 4M 20D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary HDFC Short Term Debt Fund ICICI Prudential Short Term Fund Axis Short Term Fund Nippon India Short Term Fund SBI Short Term Debt Fund Point 1 Upper mid AUM (₹18,143 Cr). Highest AUM (₹22,070 Cr). Bottom quartile AUM (₹11,760 Cr). Bottom quartile AUM (₹8,739 Cr). Lower mid AUM (₹16,453 Cr). Point 2 Established history (15+ yrs). Oldest track record among peers (23 yrs). Established history (15+ yrs). Established history (22+ yrs). Established history (18+ yrs). Point 3 Rating: 3★ (lower mid). Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 8.15% (bottom quartile). 1Y return: 8.13% (bottom quartile). 1Y return: 8.52% (top quartile). 1Y return: 8.30% (upper mid). 1Y return: 8.18% (lower mid). Point 6 1M return: 0.32% (lower mid). 1M return: 0.30% (bottom quartile). 1M return: 0.34% (upper mid). 1M return: 0.25% (bottom quartile). 1M return: 0.34% (top quartile). Point 7 Sharpe: 2.01 (lower mid). Sharpe: 2.15 (upper mid). Sharpe: 2.19 (top quartile). Sharpe: 1.99 (bottom quartile). Sharpe: 1.89 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.80% (bottom quartile). Yield to maturity (debt): 7.11% (top quartile). Yield to maturity (debt): 6.76% (bottom quartile). Yield to maturity (debt): 6.93% (upper mid). Yield to maturity (debt): 6.87% (lower mid). Point 10 Modified duration: 2.36 yrs (lower mid). Modified duration: 2.18 yrs (top quartile). Modified duration: 2.18 yrs (upper mid). Modified duration: 2.65 yrs (bottom quartile). Modified duration: 2.73 yrs (bottom quartile). HDFC Short Term Debt Fund
ICICI Prudential Short Term Fund
Axis Short Term Fund
Nippon India Short Term Fund
SBI Short Term Debt Fund
ಆಸ್ತಿ >= 100 ಕೋಟಿ & ವಿಂಗಡಿಸಲಾಗಿದೆ3 ವರ್ಷಸಿಎಜಿಆರ್ ಹಿಂತಿರುಗಿ.1. HDFC Short Term Debt Fund
HDFC Short Term Debt Fund
Growth Launch Date 25 Jun 10 NAV (15 Sep 25) ₹32.4219 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹18,143 on 31 Jul 25 Category Debt - Short term Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.69 Sharpe Ratio 2.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.8% Effective Maturity 3 Years 6 Months 25 Days Modified Duration 2 Years 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,600 31 Aug 22 ₹10,900 31 Aug 23 ₹11,630 31 Aug 24 ₹12,550 31 Aug 25 ₹13,583 Returns for HDFC Short Term Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Sep 25 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 4.5% 1 Year 8.1% 3 Year 7.6% 5 Year 6.3% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.3% 2023 7.1% 2022 3.5% 2021 3.9% 2020 11% 2019 9.7% 2018 7% 2017 6.5% 2016 9.3% 2015 8.7% Fund Manager information for HDFC Short Term Debt Fund
Name Since Tenure Anil Bamboli 25 Jun 10 15.2 Yr. Dhruv Muchhal 22 Jun 23 2.2 Yr. Data below for HDFC Short Term Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 11.3% Debt 88.44% Other 0.26% Debt Sector Allocation
Sector Value Corporate 64.34% Government 29.44% Cash Equivalent 5.96% Credit Quality
Rating Value AA 11.55% AAA 88.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -5% ₹857 Cr 82,500,000 Aditya Birla Renewables Limited
Debentures | -2% ₹441 Cr 43,500 7.11% Govt Stock 2028
Sovereign Bonds | -2% ₹420 Cr 41,500,000 Jubilant Beverages Limited
Debentures | -2% ₹398 Cr 38,500 7.26% Govt Stock 2032
Sovereign Bonds | -2% ₹361 Cr 34,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹333 Cr 32,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹257 Cr 25,000 Bajaj Housing Finance Limited
Debentures | -1% ₹255 Cr 25,000 Pipeline Infrastructure Limited
Debentures | -1% ₹254 Cr 24,500 TATA Communications Limited
Debentures | -1% ₹250 Cr 25,000
↑ 25,000 2. ICICI Prudential Short Term Fund
ICICI Prudential Short Term Fund
Growth Launch Date 25 Oct 01 NAV (15 Sep 25) ₹60.9507 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹22,070 on 31 Jul 25 Category Debt - Short term Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.04 Sharpe Ratio 2.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 7.11% Effective Maturity 4 Years 25 Days Modified Duration 2 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,597 31 Aug 22 ₹10,986 31 Aug 23 ₹11,777 31 Aug 24 ₹12,675 31 Aug 25 ₹13,707 Returns for ICICI Prudential Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Sep 25 Duration Returns 1 Month 0.3% 3 Month 1.3% 6 Month 4.5% 1 Year 8.1% 3 Year 7.6% 5 Year 6.5% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.4% 2022 4.7% 2021 3.9% 2020 10.6% 2019 9.7% 2018 5.8% 2017 5.9% 2016 11.1% 2015 8% Fund Manager information for ICICI Prudential Short Term Fund
Name Since Tenure Manish Banthia 19 Nov 09 15.79 Yr. Nikhil Kabra 29 Dec 20 4.68 Yr. Data below for ICICI Prudential Short Term Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 5.19% Debt 94.54% Other 0.27% Debt Sector Allocation
Sector Value Corporate 64.78% Government 30.62% Cash Equivalent 4.32% Credit Quality
Rating Value AA 19.36% AAA 80.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.81% Govt Stock 2033
Sovereign Bonds | -5% ₹1,157 Cr 111,312,240 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹839 Cr 82,160,010
↑ 45,314,000 LIC Housing Finance Ltd
Debentures | -3% ₹762 Cr 75,000 6.99% Govt Stock 2034
Sovereign Bonds | -3% ₹710 Cr 69,574,740 National Bank For Agriculture And Rural Development
Debentures | -2% ₹514 Cr 50,500 Vedanta Limited
Debentures | -2% ₹512 Cr 51,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹454 Cr 45,000
↓ -10,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹403 Cr 38,858,430 Small Industries Development Bank Of India
Debentures | -2% ₹374 Cr 37,000 Small Industries Development Bank Of India
Debentures | -2% ₹368 Cr 36,500 3. Axis Short Term Fund
Axis Short Term Fund
Growth Launch Date 22 Jan 10 NAV (15 Sep 25) ₹31.3435 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹11,760 on 31 Jul 25 Category Debt - Short term Bond AMC Axis Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.88 Sharpe Ratio 2.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.76% Effective Maturity 2 Years 10 Months 20 Days Modified Duration 2 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,530 31 Aug 22 ₹10,846 31 Aug 23 ₹11,526 31 Aug 24 ₹12,394 31 Aug 25 ₹13,452 Returns for Axis Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Sep 25 Duration Returns 1 Month 0.3% 3 Month 1.3% 6 Month 4.8% 1 Year 8.5% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 6.8% 2022 3.7% 2021 3.5% 2020 10.1% 2019 9.8% 2018 6.3% 2017 5.9% 2016 9.6% 2015 8.1% Fund Manager information for Axis Short Term Fund
Name Since Tenure Devang Shah 5 Nov 12 12.83 Yr. Aditya Pagaria 3 Jul 23 2.17 Yr. Data below for Axis Short Term Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 18.3% Debt 81.44% Other 0.26% Debt Sector Allocation
Sector Value Corporate 69.12% Government 20.8% Cash Equivalent 9.82% Credit Quality
Rating Value AA 12.65% AAA 87.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.28% Goi 2032 (14-Jul-2032)
Sovereign Bonds | -3% ₹325 Cr 32,737,200
↑ 32,500,000 Power Finance Corporation Limited
Debentures | -2% ₹299 Cr 30,000 Rec Limited
Debentures | -2% ₹233 Cr 22,954
↓ -400 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹216 Cr 21,126,700
↑ 8,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹214 Cr 21,000
↓ -5,000 6.79% Govt Stock 2031
Sovereign Bonds | -2% ₹194 Cr 19,000,000
↑ 9,000,000 Indigrid Infrastructure Trust
Debentures | -2% ₹193 Cr 19,000 Tata Capital Limited
Debentures | -1% ₹177 Cr 1,750 Small Industries Development Bank Of India
Debentures | -1% ₹156 Cr 15,500
↓ -2,000 Small Industries Development Bank Of India
Debentures | -1% ₹153 Cr 15,000 4. Nippon India Short Term Fund
Nippon India Short Term Fund
Growth Launch Date 18 Dec 02 NAV (15 Sep 25) ₹53.4641 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹8,739 on 31 Jul 25 Category Debt - Short term Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.94 Sharpe Ratio 1.99 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.93% Effective Maturity 3 Years 4 Months 2 Days Modified Duration 2 Years 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,639 31 Aug 22 ₹10,923 31 Aug 23 ₹11,599 31 Aug 24 ₹12,474 31 Aug 25 ₹13,515 Returns for Nippon India Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Sep 25 Duration Returns 1 Month 0.3% 3 Month 1.1% 6 Month 4.6% 1 Year 8.3% 3 Year 7.4% 5 Year 6.2% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 6.8% 2022 3.2% 2021 4.4% 2020 9.5% 2019 9.4% 2018 5.5% 2017 5.7% 2016 9.8% 2015 8.1% Fund Manager information for Nippon India Short Term Fund
Name Since Tenure Vivek Sharma 1 Feb 20 5.59 Yr. Kinjal Desai 25 May 18 7.28 Yr. Sushil Budhia 31 Mar 21 4.42 Yr. Data below for Nippon India Short Term Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 6.92% Debt 92.82% Other 0.26% Debt Sector Allocation
Sector Value Corporate 57.61% Government 37.93% Cash Equivalent 4.2% Credit Quality
Rating Value AA 11.69% AAA 88.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -6% ₹503 Cr 48,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -5% ₹483 Cr 46,500,000 7.02% Govt Stock 2031
Sovereign Bonds | -5% ₹413 Cr 40,000,000
↑ 10,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹224 Cr 22,000 7.17 Madhya Pradesh SDL 2031
Sovereign Bonds | -2% ₹209 Cr 20,500,000 Aditya Birla Housing Finance Limited
Debentures | -2% ₹203 Cr 20,000 Axis Bank Ltd.
Debentures | -2% ₹188 Cr 4,000
↑ 4,000 Bajaj Housing Finance Limited
Debentures | -2% ₹175 Cr 17,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹170 Cr 16,500 Small Industries Development Bank Of India
Debentures | -2% ₹170 Cr 16,500 5. SBI Short Term Debt Fund
SBI Short Term Debt Fund
Growth Launch Date 27 Jul 07 NAV (15 Sep 25) ₹32.5488 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹16,453 on 31 Jul 25 Category Debt - Short term Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.84 Sharpe Ratio 1.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 3 Years 4 Months 20 Days Modified Duration 2 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,505 31 Aug 22 ₹10,769 31 Aug 23 ₹11,459 31 Aug 24 ₹12,297 31 Aug 25 ₹13,306 Returns for SBI Short Term Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Sep 25 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 4.6% 1 Year 8.2% 3 Year 7.4% 5 Year 5.9% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 6.7% 2022 3.5% 2021 2.8% 2020 9.9% 2019 9.5% 2018 6% 2017 5.7% 2016 9.9% 2015 8.2% Fund Manager information for SBI Short Term Debt Fund
Name Since Tenure Mansi Sajeja 1 Dec 23 1.75 Yr. Data below for SBI Short Term Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 7.07% Debt 92.66% Other 0.27% Debt Sector Allocation
Sector Value Corporate 70.66% Government 26.19% Cash Equivalent 2.88% Credit Quality
Rating Value AA 13.86% AAA 86.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹919 Cr 90,000,000
↑ 25,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -4% ₹685 Cr 66,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹508 Cr 50,000 Rec Limited
Debentures | -3% ₹508 Cr 50,000 08.32 RJ Sdl 2029
Sovereign Bonds | -3% ₹474 Cr 45,000,000 TATA Communications Limited
Debentures | -2% ₹404 Cr 40,000 Small Industries Development Bank Of India
Debentures | -2% ₹356 Cr 35,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹331 Cr 32,500
↑ 12,500 Small Industries Development Bank Of India
Debentures | -2% ₹330 Cr 32,500 Hindustan Petroleum Corporation Limited
Debentures | -2% ₹325 Cr 32,500
ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?
ಈ ಹೂಡಿಕೆಗಳ ಅಲ್ಪಾವಧಿಯ ಸ್ವರೂಪವನ್ನು ಗಮನಿಸಿದರೆ, ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡುವುದಿಲ್ಲಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು. ಆದಾಗ್ಯೂ, ಖಚಿತವಾಗಿ ಹಲವಾರು ಕಾರಣಗಳಿವೆಹೂಡಿಕೆ ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯಲ್ಲಿ (ಅಲ್ಪಾವಧಿ) ಸಾಲ ನಿಧಿಗಳು ಪರಿಗಣಿಸಲು ಸಂಪೂರ್ಣವಾಗಿ ಯೋಗ್ಯವಾಗಿದೆ. ಅವುಗಳಲ್ಲಿ ಕೆಲವು ಸೇರಿವೆ-
ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ತವಾದ ಆಯ್ಕೆಯಾಗಿದ್ದು, ದ್ರವ ಮತ್ತು ಅಲ್ಟ್ರಾಗಿಂತ ಸ್ವಲ್ಪ ಹೆಚ್ಚಿನ ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿರುವ ಹೂಡಿಕೆಗಳನ್ನು ಮಾಡಲು ಸಿದ್ಧರಿರುತ್ತಾರೆಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಆದರೆ ಅದೇ ಕಡೆ ಬಹಳ ಅಪಾಯಕಾರಿ ಅಲ್ಲ.
ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆಯಾಗಿರುವುದರಿಂದ, 1-3 ವರ್ಷಗಳ ಕಾಲ ತಮ್ಮ ಐಡಲ್ ಕ್ಯಾಶ್ ಅನ್ನು ಇಡಲು ಬಯಸುವವರಿಗೆ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ಈ ನಿಧಿಯು ಹೆಚ್ಚು ಸೂಕ್ತವಾಗಿದೆ.ಸ್ಥಿರ ಆದಾಯ FD ಗಳಂತಹ ಹೂಡಿಕೆ ಆಯ್ಕೆಗಳು.
ವಿಶ್ಲೇಷಣೆಯ ಪ್ರಕಾರ, ಅಲ್ಪಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು ದೀರ್ಘಾವಧಿಗೆ ಹೋಲಿಸಿದರೆ ಒಳಗೊಂಡಿರುವ ಅಪಾಯಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಉತ್ತಮ ದರವನ್ನು ನೀಡುತ್ತವೆಬಾಂಡ್ಗಳು. ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು ಏರಿಕೆಗೆ ಕಡಿಮೆ ಸಂವೇದನಾಶೀಲವಾಗಿರುತ್ತವೆಹಣದುಬ್ಬರ ಇತರ ಮಧ್ಯಂತರಕ್ಕಿಂತ ಮತ್ತುದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು.
ಕೊನೆಯದಾಗಿ, ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಹೆಚ್ಚು ದ್ರವವಾಗಿರುತ್ತವೆ, ಅಂದರೆ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹಣವನ್ನು ಸುಲಭವಾಗಿ ಪ್ರವೇಶಿಸಬಹುದು. ಆದಾಗ್ಯೂ, ಈ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ಕೆಲವು ಯೋಜನೆಗಳು ಹೂಡಿಕೆಯನ್ನು ಬಹಳ ಕಡಿಮೆ ಅವಧಿಯಲ್ಲಿ (ಹೆಚ್ಚಾಗಿ 1 ತಿಂಗಳಿಂದ 6 ತಿಂಗಳವರೆಗೆ) ರಿಡೀಮ್ ಮಾಡಿದರೆ ನಿರ್ಗಮನ ಲೋಡ್ ಅನ್ನು ವಿಧಿಸುತ್ತವೆ. ಆದ್ದರಿಂದ, ಯಾವಾಗಲೂ ಉತ್ತಮ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಬುದ್ಧಿವಂತಿಕೆಯಿಂದ ಹೂಡಿಕೆ ಮಾಡಲು ಸೂಚಿಸಲಾಗುತ್ತದೆ.
ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
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ತೀರ್ಮಾನ
ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊಗಳನ್ನು ಅವರ ಪ್ರಕಾರ ತಿರುಚಬಹುದುಅಪಾಯದ ಪ್ರೊಫೈಲ್. ಬಾಂಡ್ ಮಾರುಕಟ್ಟೆಯು ಬೀಳುವ ಬಡ್ಡಿದರಗಳ ಪ್ರಯೋಜನವನ್ನು ನೀಡುವುದರಿಂದ, ಹೂಡಿಕೆಯ ಅವಧಿಯನ್ನು ಹೆಚ್ಚಿಸುವ ಮೂಲಕ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಬಹುದು. ಇಲ್ಲಿ ಅಲ್ಪಾವಧಿಯ (ಅಲ್ಪಾವಧಿಯ) ಸಾಲ ನಿಧಿಗಳು ಬರುತ್ತವೆ. ಈ ನಿಧಿಗಳು 2-3 ವರ್ಷಗಳ ಅವಧಿಯಲ್ಲಿ ದೀರ್ಘಾವಧಿಯ ಆದಾಯವನ್ನು ನೀಡಲು ಸಾಲ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಆದ್ದರಿಂದ, ಇಂದು ಅತ್ಯುತ್ತಮ ಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ!
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.
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