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SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ -- ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಕ್ಯಾಲ್ಕುಲೇಟರ್

Updated on December 22, 2024 , 34539 views

SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಎನ್ನುವುದು ವ್ಯಕ್ತಿಗಳಿಗೆ ತಮ್ಮ SWP ಹೂಡಿಕೆಯು ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ ಹೇಗೆ ಇರುತ್ತದೆ ಎಂಬುದನ್ನು ಲೆಕ್ಕಾಚಾರ ಮಾಡಲು ಸಹಾಯ ಮಾಡುವ ಸಾಧನವಾಗಿದೆ. SWP ಅಥವಾ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಯುನಿಟ್‌ಗಳನ್ನು ರಿಡೀಮ್ ಮಾಡುವ ಅಥವಾ ಹೂಡಿಕೆ ಮಾಡುವ ತಂತ್ರವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ತಮ್ಮ ಹಣವನ್ನು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ ಮತ್ತು ನಂತರ ನಿರ್ದಿಷ್ಟ ಅವಧಿಯ ಮೇಲೆ ತಮ್ಮ ಹೂಡಿಕೆಗಳನ್ನು ಹಿಂತೆಗೆದುಕೊಳ್ಳುತ್ತಾರೆ. ಸ್ಥಿರವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ SWP ಸಾಮಾನ್ಯವಾಗಿ ಸೂಕ್ತವಾಗಿದೆಆದಾಯ ನಿಯಮಿತ ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ. ಲೇಖನವು ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವಿಕೆಯ ಯೋಜನೆ, SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಹೇಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ ಮತ್ತು ಇತರ ಸಂಬಂಧಿತ ನಿಯತಾಂಕಗಳ ಪರಿಕಲ್ಪನೆಯ ಸಮಗ್ರ ತಿಳುವಳಿಕೆಯನ್ನು ನೀಡುತ್ತದೆ.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನಲ್ಲಿ SWP ಎಂದರೆ ಏನು?

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಅಥವಾ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಯ ಘಟಕಗಳನ್ನು ಪುನಃ ಪಡೆದುಕೊಳ್ಳುವ ವ್ಯವಸ್ಥಿತ ಮತ್ತು ಯೋಜಿತ ಪ್ರಕ್ರಿಯೆಯನ್ನು ಸೂಚಿಸುತ್ತದೆ. SWP ಯ ಪರಿಕಲ್ಪನೆಯು ಹಿಮ್ಮುಖ ರೀತಿಯಲ್ಲಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆSIP. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ ಒಂದು ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ, ಅದು ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಅಪಾಯ-ಹಸಿವನ್ನು ಹೊಂದಿರುತ್ತದೆ.ದ್ರವ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಟ್ರಾಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು. ವ್ಯಕ್ತಿಗಳು ನಂತರ ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಮೊತ್ತವನ್ನು ಹಿಂಪಡೆಯಲು ಪ್ರಾರಂಭಿಸುತ್ತಾರೆ. ವ್ಯಕ್ತಿಗಳು ತಮ್ಮ ಅಗತ್ಯತೆಗಳ ಆಧಾರದ ಮೇಲೆ ಮಾಸಿಕ, ತ್ರೈಮಾಸಿಕ, ವಾರ್ಷಿಕ, ಮತ್ತು ಮುಂತಾದವುಗಳ ವಾಪಸಾತಿ ಆವರ್ತನವನ್ನು ಗ್ರಾಹಕೀಯಗೊಳಿಸಬಹುದು. ಈ ಸಂದರ್ಭದಲ್ಲಿ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಹಣವು ವ್ಯಕ್ತಿಗಳಿಗೆ ಆದಾಯವನ್ನು ಸಹ ಪಡೆಯುತ್ತದೆ. ನಿಯಮಿತ ಆದಾಯದ ಮೂಲವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳು, ವಿಶೇಷವಾಗಿ ನಿವೃತ್ತರು, ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ಆಯ್ಕೆ ಮಾಡಿಕೊಳ್ಳಬಹುದುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ.

SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್

ನಿರ್ದಿಷ್ಟ ಅವಧಿಯಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಯಲ್ಲಿ ತಮ್ಮ ಹಿಂಪಡೆಯುವಿಕೆಯನ್ನು ಅಂದಾಜು ಮಾಡಲು SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಹಾಯ ಮಾಡುತ್ತದೆ. SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್‌ನಲ್ಲಿ ನಮೂದಿಸಬೇಕಾದ ಇನ್‌ಪುಟ್ ಡೇಟಾ ಒಳಗೊಂಡಿದೆ:

SWP/ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಮೊತ್ತ - ಇದು ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ನೀವು ಹಿಂಪಡೆಯಲು ಯೋಜಿಸುತ್ತಿರುವ ಸ್ಥಿರ ಹಿಂಪಡೆಯುವ ಮೊತ್ತವನ್ನು ಸೂಚಿಸುತ್ತದೆ.
ಆರಂಭಿಕ ಹೂಡಿಕೆ - ಆರಂಭಿಕ ಹೂಡಿಕೆಯು ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಒಟ್ಟು ಮೊತ್ತವನ್ನು ಸೂಚಿಸುತ್ತದೆ.
ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಆವರ್ತನ - ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಆವರ್ತನ, ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಹಿಂಪಡೆಯಲು ನೀವು ಬಯಸುವ ಸಮಯದ ಚೌಕಟ್ಟನ್ನು ಸೂಚಿಸುತ್ತದೆ. ಇದು ಮಾಸಿಕ, ಸಾಪ್ತಾಹಿಕ ಅಥವಾ ತ್ರೈಮಾಸಿಕವಾಗಿರಬಹುದು. ಸಾಮಾನ್ಯವಾಗಿ ಮಾಸಿಕ ಲೆಕ್ಕಾಚಾರಗಳನ್ನು ಮಾಡಲಾಗುತ್ತದೆ.
ನಿರೀಕ್ಷಿತ ಆದಾಯದ ದರ - ಇದರರ್ಥ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ ನೀವು ನಿರೀಕ್ಷಿಸುತ್ತಿರುವ ಆದಾಯ.

ಆದ್ದರಿಂದ, ನಾವು SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ನ ಪರಿಕಲ್ಪನೆಯನ್ನು ವಿವರಣೆಯೊಂದಿಗೆ ವಿವರವಾಗಿ ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ.

ಮಾದರಿ ವಿವರಣೆ

ಆರಂಭಿಕ ಹೂಡಿಕೆಯ ಮೊತ್ತ - INR 1.20,000
SWP ಮೊತ್ತ - INR 10,000
ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅವಧಿ - 12 ತಿಂಗಳುಗಳು
ನಿರೀಕ್ಷಿತ ರಿಟರ್ನ್ ದರ - 7%

SWP ಕೋಷ್ಟಕದ ಲೆಕ್ಕಾಚಾರವನ್ನು ಈ ಕೆಳಗಿನಂತೆ ನೀಡಲಾಗಿದೆ.

ತಿಂಗಳು	ತಿಂಗಳ ಆರಂಭದಲ್ಲಿ ಬ್ಯಾಲೆನ್ಸ್ (INR)	ವಿಮೋಚನೆ ಮೊತ್ತ (INR)	ಗಳಿಸಿದ ಬಡ್ಡಿ (INR)	ತಿಂಗಳ ಕೊನೆಯಲ್ಲಿ ಬ್ಯಾಲೆನ್ಸ್ (INR)
1	1,20,000	10,000	642	1,10,642
2	1,10,642	10,000	587	1,01,229
3	1,01,229	10,000	532	91,761
4	91,761	10,000	477	82,238
5	82,238	10,000	421	72,659
6	72,659	10,000	366	63,025
7	63,025	10,000	309	53,334
8	53,334	10,000	253	43,587
9	43,587	10,000	196	33,783
10	33,783	10,000	139	23,921
11	23,921	10,000	81	14,003
12	14,003	10,000	23	4,026

ಹೀಗಾಗಿ, ಮೇಲಿನ ಕೋಷ್ಟಕದಿಂದ, SWP ವಹಿವಾಟಿನ ಮೂಲಕ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಯ ಲಾಭವು INR 4,026 ಆಗಿದೆ ಎಂದು ಹೇಳಬಹುದು.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯ ಪ್ರಯೋಜನಗಳು

SWP ಯ ಕೆಲವು ಪ್ರಮುಖ ಪ್ರಯೋಜನಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ.

ನಿಯಮಿತ ಆದಾಯದ ಹರಿವು

SWP ಯ ಪ್ರಾಥಮಿಕ ಪ್ರಯೋಜನವೆಂದರೆ ವ್ಯಕ್ತಿಗಳು ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ನಿಯಮಿತ ಆದಾಯದ ಮೂಲವಾಗಿ ಬಳಸಬಹುದು. ಏಕೆಂದರೆ ಹಿಂತೆಗೆದುಕೊಳ್ಳಲಾದ ಮೊತ್ತವು ಸ್ಥಿರವಾಗಿರುತ್ತದೆ.

ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸ

ನಿರ್ದಿಷ್ಟ ಮೊತ್ತವನ್ನು ಮಾತ್ರ ಹಿಂಪಡೆಯಲಾಗುತ್ತದೆ ಮತ್ತು ಉಳಿದ ಹಣವನ್ನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ SWP ವ್ಯಕ್ತಿಗಳಲ್ಲಿ ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸವನ್ನು ಸೃಷ್ಟಿಸುತ್ತದೆ. ಇದು ತಡೆಯುತ್ತದೆಬಂಡವಾಳ ಹೂಡಿಕೆಯ ಮೇಲೆ ಸವೆತ. ಅಲ್ಲದೆ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ಹೂಡಿಕೆಯು ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸುತ್ತದೆ.

ಪಿಂಚಣಿಗೆ ಬದಲಿ

SWP ನಿವೃತ್ತ ವ್ಯಕ್ತಿಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಪಿಂಚಣಿಗೆ ಬದಲಿಯಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ. ನಿವೃತ್ತರು SWP ಮೂಲಕ ನಿಯಮಿತ ಆದಾಯಕ್ಕಾಗಿ ತಮ್ಮನ್ನು ತಾವು ಭರವಸೆ ನೀಡಬಹುದು.

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2022 ರ ಅತ್ಯುತ್ತಮ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳಂತಹ ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುವ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ SWP ಅನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ಮಾಡಲಾಗುತ್ತದೆ. ಆದ್ದರಿಂದ, ಲಿಕ್ವಿಡ್ / ಅಲ್ಟ್ರಾಶಾರ್ಟ್ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ಕೆಲವು ಉತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳು ನಿವ್ವಳ ಸ್ವತ್ತುಗಳಿಗಿಂತ ಹೆಚ್ಚು1000 ಕೋಟಿ ಈ ಕೆಳಗಿನಂತೆ ಪಟ್ಟಿಮಾಡಲಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹526.333 ↑ 0.00	₹15,890	1.9	3.8	7.8	6.6	7.2	7.61%	5M 8D	7M 17D
ICICI Prudential Ultra Short Term Fund Growth	₹26.6371 ↑ 0.00	₹13,935	1.7	3.5	7.5	6.3	6.9	7.6%	4M 28D	5M 16D
Invesco India Ultra Short Term Fund Growth	₹2,594.8 ↑ 0.32	₹1,764	1.7	3.4	7.5	6	6.6	7.37%	5M 1D	5M 13D
BOI AXA Liquid Fund Growth	₹2,900.66 ↑ 0.58	₹1,657	1.7	3.5	7.4	6.4	7	7.05%	1M 24D	1M 24D
SBI Magnum Ultra Short Duration Fund Growth	₹5,747.81 ↑ 0.48	₹12,885	1.7	3.5	7.4	6.2	7	7.43%	5M 1D	10M 6D
Axis Liquid Fund Growth	₹2,803.71 ↑ 0.18	₹34,674	1.7	3.5	7.4	6.4	7.1	7.06%	1M 10D	1M 11D
LIC MF Liquid Fund Growth	₹4,555.86 ↑ 0.22	₹10,650	1.7	3.5	7.4	6.3	7	7.02%	1M 6D	1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 24

1. 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 (24 Dec 24)	₹526.333 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹15,890 on 15 Dec 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.32
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	7 Months 17 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,719
30 Nov 21	₹11,139
30 Nov 22	₹11,639
30 Nov 23	₹12,472
30 Nov 24	₹13,436

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 24 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.6%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%
2014	9.7%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.46 Yr.
Kaustubh Gupta	15 Jul 11	13.39 Yr.
Monika Gandhi	22 Mar 21	3.7 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	44.4%
Debt	55.34%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	53.84%
Cash Equivalent	39.09%
Government	6.82%

Credit Quality

Rating	Value
AA	35.54%
AAA	64.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	5%	₹821 Cr	82,000
Aditya BSL Liquid Dir Gr Investment Fund \| -	5%	₹751 Cr	18,413,893 ↑ 18,413,893
Shriram Finance Company Limited Debentures \| -	4%	₹602 Cr	60,000
Nirma Limited Debentures \| -	3%	₹487 Cr	48,500 ↓ -1,500
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹360 Cr	36,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹326 Cr	32,500
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
7.3% Govt Stock 2028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000

2. 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 (24 Dec 24)	₹26.6371 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹13,935 on 15 Dec 24
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	7.6%
Effective Maturity	5 Months 16 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,677
30 Nov 21	₹11,105
30 Nov 22	₹11,583
30 Nov 23	₹12,385
30 Nov 24	₹13,303

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 24 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.5%
3 Year	6.3%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%
2014	14.8%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.05 Yr.
Ritesh Lunawat	15 Jun 17	7.47 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	59.36%
Debt	40.4%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	49.72%
Cash Equivalent	40.03%
Government	9.31%
Securitized	0.71%

Credit Quality

Rating	Value
AA	16.21%
AAA	83.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹394 Cr	40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹392 Cr	40,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹385 Cr	3,850
Small Industries Development Bank Of India Debentures \| -	3%	₹373 Cr	3,750
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
India (Republic of) - \| -	2%	₹298 Cr	30,000,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹298 Cr	3,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹235 Cr	2,350
LIC Housing Finance Limited Debentures \| -	2%	₹225 Cr	2,250 ↑ 2,250
Oberoi Realty Ltd. Debentures \| -	1%	₹200 Cr	20,000

3. Invesco India Ultra Short Term Fund

(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 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% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (24 Dec 24)	₹2,594.8 ↑ 0.32 (0.01 %)
Net Assets (Cr)	₹1,764 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	5 Months 13 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	₹10,524
30 Nov 21	₹10,841
30 Nov 22	₹11,255
30 Nov 23	₹12,001
30 Nov 24	₹12,891

Invesco India 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 Invesco India 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 24 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	7.5%
3 Year	6%
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	4.91 Yr.
Vikas Garg	27 Jul 21	3.35 Yr.

Data below for Invesco India Ultra Short Term Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	56.12%
Debt	43.73%
Other	0.14%

Debt Sector Allocation

Sector	Value
Corporate	46.51%
Cash Equivalent	43.55%
Government	9.79%

Credit Quality

Rating	Value
AA	19.68%
AAA	80.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	5%	₹84 Cr	8,500,000 ↑ 7,500,000
Power Finance Corporation Ltd. Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 2,500,000
91 DTB 03012025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
TATA Steel Limited Debentures \| -	3%	₹45 Cr	4,500,000
Larsen & Toubro Ltd. 7.58% Debentures \| -	2%	₹35 Cr	3,500,000
Ongc Petro Additions Limited Debentures \| -	2%	₹30 Cr	3,000,000
Export Import Bank Of India Debentures \| -	2%	₹30 Cr	3,000,000
364 DTB Sovereign Bonds \| -	2%	₹30 Cr	3,000,000
Bharti Telecom Limited Debentures \| -	1%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	1%	₹25 Cr	2,500,000 ↑ 1,500,000

4. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (25 Dec 24)	₹2,900.66 ↑ 0.58 (0.02 %)
Net Assets (Cr)	₹1,657 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	7.01
Information Ratio	-1.21
Alpha Ratio	0.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,429
30 Nov 21	₹10,763
30 Nov 22	₹11,262
30 Nov 23	₹12,051
30 Nov 24	₹12,951

BOI AXA 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 BOI AXA 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 24 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.4%
5 Year	5.3%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.3%
2014	9%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.29 Yr.

Data below for BOI AXA Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	94.44%
Government	5.37%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	6%	₹99 Cr	10,000,000 ↑ 10,000,000
ICICI Bank Ltd. Debentures \| -	6%	₹99 Cr	10,000,000
91 DTB 03012025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000
Small Industries Dev Bank Of India (10/01/2025) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000
Hdfc Bank Limited (03/02/2025) ** # Net Current Assets \| -	4%	₹72 Cr	7,300,000 ↑ 7,300,000
08.07 GJ Sdl 2025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
State Bank Of India (12/12/2024) ** # Net Current Assets \| -	3%	₹50 Cr	5,000,000
Reliance Jio Infocomm Limited (16/12/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000
Kotak Securities Limited (20/12/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000
Axis Bank Limited (26/12/2024) ** # Certificate of Deposit \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000

5. SBI Magnum Ultra Short Duration Fund

(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 CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (24 Dec 24)	₹5,747.81 ↑ 0.48 (0.01 %)
Net Assets (Cr)	₹12,885 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	10 Months 6 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	₹10,605
30 Nov 21	₹10,962
30 Nov 22	₹11,417
30 Nov 23	₹12,213
30 Nov 24	₹13,120

SBI Magnum 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 SBI Magnum 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 24 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.2%
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	3.5 Yr.
Ardhendu Bhattacharya	1 Dec 23	1 Yr.
Pradeep Kesavan	1 Dec 23	1 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	53.98%
Debt	45.77%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	53.98%
Corporate	29.65%
Government	16.12%

Credit Quality

Rating	Value
AA	0.76%
AAA	99.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	9%	₹1,133 Cr	112,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹496 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹419 Cr	4,250
India Universal Trust Al1 Sovereign Bonds \| -	3%	₹400 Cr	400 ↑ 400
Power Finance Corporation Limited Debentures \| -	3%	₹384 Cr	3,850
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
Larsen & Toubro Ltd. Debentures \| -	2%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	3,000
Rec Limited Debentures \| -	2%	₹241 Cr	2,450
182 DTB 020125 Sovereign Bonds \| -	2%	₹224 Cr	22,500,000 ↑ 22,500,000

6. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2023 was 7.1% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (24 Dec 24)	₹2,803.71 ↑ 0.18 (0.01 %)
Net Assets (Cr)	₹34,674 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	4.19
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	1 Month 11 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,448
30 Nov 21	₹10,785
30 Nov 22	₹11,280
30 Nov 23	₹12,070
30 Nov 24	₹12,964

Axis 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 Axis 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 24 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.4%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%
2015	8.4%
2014	9.1%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.08 Yr.
Aditya Pagaria	13 Aug 16	8.31 Yr.
Sachin Jain	3 Jul 23	1.42 Yr.

Data below for Axis Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.77%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	98.33%
Government	1.45%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	6%	₹2,053 Cr
Punjab National Bank (04/02/2025) Net Current Assets \| -	3%	₹1,181 Cr	24,000 ↑ 24,000
91 DTB 21112024 Sovereign Bonds \| -	3%	₹1,099 Cr	110,000,000 ↓ -7,500,000
Hdfc Bank Limited (12/12/2024) Net Current Assets \| -	3%	₹995 Cr	20,000
State Bank Of India (27/12/2024) Net Current Assets \| -	3%	₹992 Cr	20,000
Export Import Bank Of India (03/12/2024) ** Net Current Assets \| -	3%	₹972 Cr	19,500
182 DTB 30012025 Sovereign Bonds \| -	3%	₹928 Cr	94,004,100
State Bank Of India (12/12/2024) Net Current Assets \| -	2%	₹697 Cr	14,000
182 DTB 26122024 Sovereign Bonds \| -	2%	₹596 Cr	60,000,000
Small Industries Dev Bank Of India (16/01/2025) Net Current Assets \| -	2%	₹593 Cr	12,000 ↑ 4,500

7. 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 (24 Dec 24)	₹4,555.86 ↑ 0.22 (0.00 %)
Net Assets (Cr)	₹10,650 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	5.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,447
30 Nov 21	₹10,782
30 Nov 22	₹11,262
30 Nov 23	₹12,039
30 Nov 24	₹12,931

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 24 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.3%
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	9.16 Yr.

Data below for LIC MF Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.86%
Corporate	32.02%
Government	1.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	6%	₹660 Cr
State Bank Of India Certificate of Deposit \| -	4%	₹399 Cr	8,000 ↑ 8,000
91 Days Tbill Red 27-02-2025 Sovereign Bonds \| -	4%	₹394 Cr	40,000,000 ↑ 40,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹350 Cr	7,000 ↑ 7,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹300 Cr	6,000 ↑ 6,000
364 DTB 02052024 Sovereign Bonds \| -	3%	₹297 Cr	30,000,000
Birla Group Holdings Pvt Ltd. Commercial Paper \| -	3%	₹295 Cr	6,000 ↑ 6,000
Motilal Oswal Financial Services Ltd. Commercial Paper \| -	3%	₹285 Cr	5,800 ↑ 5,800
Export-Import Bank Of India Commercial Paper \| -	2%	₹250 Cr	5,000 ↑ 5,000
Bank Of Baroda Certificate of Deposit \| -	2%	₹250 Cr	5,000 ↑ 5,000

Disclaimer:
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.