SIP 2022 ಗಾಗಿ 5 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು | Fincash.com

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SIP ಹೂಡಿಕೆ FY 22 - 23 ಗಾಗಿ ಟಾಪ್ 5 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು
Top 5 Debt - Ultrashort Bond Funds

SIP 2022 ಗಾಗಿ 5 ಅತ್ಯುತ್ತಮ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು

Updated on February 18, 2025 , 2712 views

ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಸಾಲ ನಿಧಿ ಒಂದು ವಿಧವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಅಲ್ಪಾವಧಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ತವಾಗಿದೆಹೂಡಿಕೆ ಯೋಜನೆ. ಈ ನಿಧಿಗಳು ಸರಾಸರಿ 91 ದಿನಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಸಾಲ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಈ ನಿಧಿಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ ಮತ್ತು ಲಿಕ್ವಿಡ್ ಡೆಟ್ ಫಂಡ್‌ಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಮೆಚುರಿಟಿಯನ್ನು ಹೊಂದಿವೆ, ಆದರೆ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚು ಬಾಷ್ಪಶೀಲವಾಗಿವೆದ್ರವ ನಿಧಿಗಳು. ಹೂಡಿಕೆದಾರರು ಕಡಿಮೆ-ಅಪಾಯದ ಹಸಿವು ಅಲ್ಟ್ರಾದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಒಲವು ತೋರುತ್ತಾರೆಅಲ್ಪಾವಧಿ ನಿಧಿಗಳು, ಅವರು ಇತರರಿಗಿಂತ ಹೆಚ್ಚಿನ ಇಳುವರಿಯನ್ನು ಹೊಂದಿರುವುದರಿಂದಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು. ಹೀಗಾಗಿ, ತಮ್ಮ ಹಣವನ್ನು ಒಂದು ವರ್ಷ ಅಥವಾ ಅದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಗೆ ಇಡಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರು ಈ ಯೋಜನೆಯಲ್ಲಿ ಆದರ್ಶಪ್ರಾಯವಾಗಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು, ಕೆಳಗೆ ಪಟ್ಟಿ ಮಾಡಲಾದ ಹಣವನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದುಅತ್ಯುತ್ತಮ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿ SIP ನಿಧಿಗಳು.

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SIP ಹೂಡಿಕೆ FY 22 - 23 ಗಾಗಿ ಟಾಪ್ 5 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಅಲ್ಟ್ರಾ ಅಲ್ಪಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹532.406 ↑ 0.18	₹16,798	1,000	1.8	3.8	7.8	6.7	7.9	7.84%	5M 19D	7M 20D
ICICI Prudential Ultra Short Term Fund Growth	₹26.9315 ↑ 0.01	₹13,813	1,000	1.7	3.5	7.4	6.5	7.5	7.75%	5M 12D	6M
Nippon India Ultra Short Duration Fund Growth	₹3,921.65 ↑ 1.66	₹7,666	100	1.7	3.5	7.2	6.3	7.2	7.81%	5M 12D	6M 12D
Invesco India Ultra Short Term Fund Growth	₹2,624.88 ↑ 1.01	₹1,391	1,000	1.7	3.5	7.2	6.2	7.5	7.59%	5M 19D	6M 2D
Kotak Savings Fund Growth	₹41.7147 ↑ 0.02	₹13,151	1,000	1.6	3.4	7.2	6.3	7.2	7.53%	5M 23D	6M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 25

*ಮೇಲೆ ಅತ್ಯುತ್ತಮ ಪಟ್ಟಿ ಇದೆಅಲ್ಟ್ರಾ-ಶಾರ್ಟ್ ನಿಧಿಗಳು ಮೇಲಿನ AUM/ನಿವ್ವಳ ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿವೆ100 ಕೋಟಿ. ವಿಂಗಡಿಸಲಾಗಿದೆಕಳೆದ 1 ವರ್ಷದ ರಿಟರ್ನ್.

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 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 Feb 25)	₹532.406 ↑ 0.18 (0.03 %)
Net Assets (Cr)	₹16,798 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.7
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.84%
Effective Maturity	7 Months 20 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value

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 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.8%
3 Year	6.7%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

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 Feb 25)	₹26.9315 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹13,813 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.99
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	7.75%
Effective Maturity	6 Months
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

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 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.5%
5 Year	5.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
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%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. 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 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

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 Feb 25)	₹3,921.65 ↑ 1.66 (0.04 %)
Net Assets (Cr)	₹7,666 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.07
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.81%
Effective Maturity	6 Months 12 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

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 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	6.3%
5 Year	6.2%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
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%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure

Data below for Nippon India Ultra Short Duration Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. 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 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

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 (20 Feb 25)	₹2,624.88 ↑ 1.01 (0.04 %)
Net Assets (Cr)	₹1,391 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.44
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.59%
Effective Maturity	6 Months 2 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value

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 20 Feb 25

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	6.2%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
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%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure

Data below for Invesco India Ultra Short Term Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (20 Feb 25)	₹41.7147 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹13,151 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	6 Months
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value

Kotak Savings 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 Kotak 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 Feb 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.4%
1 Year	7.2%
3 Year	6.3%
5 Year	5.5%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%
2015	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure

Data below for Kotak Savings Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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.