9 2022-ൽ നിക്ഷേപിക്കുന്നതിന് മികച്ച പ്രകടനം കാഴ്ചവെക്കുന്ന ലോ ഡ്യൂറേഷൻ ഡെറ്റ് ഫണ്ടുകൾ

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എന്താണ് കാലയളവ് അടിസ്ഥാനമാക്കിയുള്ള തന്ത്രം?
9 മികച്ച ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ FY 22 - 23
കുറഞ്ഞ ദൈർഘ്യമുള്ള ഫണ്ടുകളിൽ ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?
Top 9 Debt - Low Duration Funds

9 മികച്ച പ്രകടനം കാഴ്ചവെക്കുന്ന ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ 2022

Updated on November 26, 2024 , 14049 views

ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ കടത്തിന്റെ 16 സ്കീമുകളിൽ ഒന്നാണ്മ്യൂച്വൽ ഫണ്ട് വിഭാഗം. ഈ ഫണ്ട് കടത്തിലും നിക്ഷേപിക്കുന്നുപണ വിപണി ആറ് മുതൽ 12 മാസം വരെ കാലാവധിയുള്ള സെക്യൂരിറ്റികൾ.

കുറഞ്ഞ കാലയളവിലുള്ള ഫണ്ടുകളെ ഹ്രസ്വകാല നിക്ഷേപമായി കണക്കാക്കുന്നു, നിക്ഷേപത്തിൽ കൂടുതൽ റിസ്ക് ആഗ്രഹിക്കാത്ത നിക്ഷേപകർക്ക് അത് വളരെ അനുയോജ്യമാണ്. കുറഞ്ഞ കാലാവധിയുള്ള ഫണ്ടുകൾക്ക് ലിക്വിഡ്, അൾട്രാ എന്നിവയേക്കാൾ ഉയർന്ന മെച്യൂരിറ്റി ദൈർഘ്യമുണ്ട്ഹ്രസ്വകാല ഫണ്ടുകൾ.

അപകടസാധ്യതയില്ലാത്ത നിക്ഷേപകർക്ക് ഈ സ്കീമിൽ ഹ്രസ്വകാലത്തേക്ക് നിക്ഷേപിക്കുകയും അതിനേക്കാൾ മികച്ച വരുമാനം നേടുകയും ചെയ്യാംബാങ്ക് സേവിംഗ്സ് അക്കൗണ്ട്. ഈ ഫണ്ടുകൾ സാധാരണയായി സ്ഥിരവും സുസ്ഥിരവുമായ വരുമാനം വാഗ്ദാനം ചെയ്യുന്നു. ശരാശരി, ഈ ഫണ്ടുകൾ 6.5-8.5% p.a വരെയുള്ള വരുമാനം നൽകുന്നു. സ്കീമിന്റെ റിട്ടേണും പ്രകടനവും ഫണ്ടുകൾക്കനുസരിച്ച് വ്യത്യാസപ്പെടുന്നു, അങ്ങനെ ഒരു നല്ല ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിന്, 2022 - 2023 കാലയളവിൽ നിക്ഷേപിക്കുന്നതിന് മികച്ച പ്രകടനം കാഴ്ചവയ്ക്കുന്ന ചില കുറഞ്ഞ കാലയളവിലുള്ള ഫണ്ടുകളെ ഞങ്ങൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്.

എന്താണ് കാലയളവ് അടിസ്ഥാനമാക്കിയുള്ള തന്ത്രം?

ദൈർഘ്യം അടിസ്ഥാനമാക്കിയുള്ള തന്ത്രം പിന്തുടരുന്ന ഫണ്ടുകൾ ദീർഘകാലത്തേക്ക് നിക്ഷേപിക്കുന്നുബോണ്ടുകൾ പലിശനിരക്ക് കുറയുന്നതിന്റെ നേട്ടവും. അവർ സമ്പാദിക്കുന്നുമൂലധനം ബോണ്ടിന്റെ കൂപ്പണിനൊപ്പം വിലമതിപ്പ്. പക്ഷേ, ഈ ഫണ്ടുകൾ പലിശ നിരക്ക് അപകടസാധ്യതയ്ക്ക് വിധേയമാകുകയും പലിശ നിരക്ക് ഉയരുകയാണെങ്കിൽ ഈ ഫണ്ടുകൾ മൂലധന നഷ്ടം വഹിക്കുകയും ചെയ്യും.

ഈ തന്ത്രത്തിൽ, ഫണ്ട് മാനേജർ പലിശ നിരക്ക് ചലനങ്ങൾ പ്രവചിക്കുന്നു. ഡ്യൂറേഷൻ ഫണ്ട് മാനേജർ തന്റെ വീക്ഷണത്തിനനുസരിച്ച് ഫണ്ടിന്റെ കാലാവധിയും ശരാശരി മെച്യൂരിറ്റിയും കൂടുകയോ കുറയ്ക്കുകയോ ചെയ്യുന്നു. ഫണ്ട് മാനേജരുടെ തെറ്റായ പ്രവചനങ്ങൾ കാലയളവിനെ അടിസ്ഥാനമാക്കിയുള്ളതാക്കുംഡെറ്റ് ഫണ്ട് നഷ്ടം സഹിക്കുക.

ഒരു ഫണ്ട് മാനേജർമാർ കൂടുതൽ ശ്രദ്ധ കേന്ദ്രീകരിക്കുന്നത് റിട്ടേണുകൾ പരമാവധിയാക്കുന്നതിന് കാലയളവ് നിയന്ത്രിക്കുന്നതിലാണ്. സാധാരണയായി, പലിശനിരക്കുകൾ കുറയുമ്പോൾ, കാലാവധി ഫണ്ട് മാനേജർ താരതമ്യേന ഉയർന്ന കാലയളവ് തിരഞ്ഞെടുക്കുന്നു, അങ്ങനെ പരമാവധിയാക്കുകമൂലധന നേട്ടം ഉയരുന്ന ബോണ്ട് വിലകളിൽ നിന്ന്. തിരിച്ചും ഒരു സാഹചര്യത്തിൽ, അതായത്, പലിശനിരക്ക് ഉയരുമ്പോൾ, പോർട്ട്ഫോളിയോയിലെ മൂലധനനഷ്ടത്തിൽ നിന്ന് പരിരക്ഷിക്കുന്നതിന് ഫണ്ടിന്റെ ദൈർഘ്യം കുറയ്ക്കും.

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9 മികച്ച ലോ ഡ്യൂറേഷൻ ഫണ്ടുകൾ FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Sundaram Low Duration Fund Growth	₹28.8391 ↑ 0.01	₹550	1	10.2	11.8	5		4.19%	5M 18D	8M 1D
ICICI Prudential Savings Fund Growth	₹519.076 ↑ 0.02	₹21,132	1.9	3.9	8	6.5	7.6	7.68%	9M 29D	1Y 9M 7D
UTI Treasury Advantage Fund Growth	₹3,386.98 ↑ 0.60	₹3,394	1.9	3.9	7.7	6.3	7.1	7.56%	10M 17D	1Y 4D
Invesco India Treasury Advantage Fund Growth	₹3,616.61 ↑ 0.02	₹1,478	1.8	3.7	7.5	6	6.8	7.42%	10M 15D	1Y 2D
L&T Low Duration Fund Growth	₹27.0834 ↑ 0.00	₹437	1.8	3.7	7.5	6.1	7.1	7.6%	10M 26D	1Y 5M 5D
HDFC Low Duration Fund Growth	₹55.2115 ↑ 0.00	₹17,719	1.8	3.7	7.4	6	7	7.79%	11M 5D	2Y 11D
Tata Treasury Advantage Fund Growth	₹3,757.71 ↑ 0.63	₹2,588	1.8	3.6	7.4	6	6.9	7.42%	9M 22D	11M 5D
DSP BlackRock Low Duration Fund Growth	₹18.9611 ↑ 0.00	₹5,774	1.8	3.7	7.4	6.1	6.9	7.43%	11M 5D	1Y 1M 10D
Canara Robeco Savings Fund Growth	₹40.2967 ↑ 0.00	₹912	1.8	3.6	7.4	6	7	7.47%	11M 9D	1Y 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

*ഈ ആർട്ടിക്കിളിൽ പരാമർശിച്ചിരിക്കുന്ന ഫണ്ടുകൾക്ക് എയുഎം/നെറ്റ് അസറ്റുകളേക്കാൾ കൂടുതലാണ്100 കോടി ഉള്ളതുംഫണ്ട് പ്രായം >= 3 വർഷം. അവസാനം അടുക്കി1 വർഷത്തെ റിട്ടേൺ.

1. Sundaram Low Duration Fund

(Erstwhile Sundaram Ultra Short Term Fund)

To provide a level of income consistent with liquidity through investments made primarily in money market and debt securities.

Sundaram Low Duration Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 59 in Low Duration category. .

Below is the key information for Sundaram Low Duration Fund

Sundaram Low Duration Fund Growth
Launch Date	23 Apr 07
NAV (31 Dec 21)	₹28.8391 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹550 on 30 Nov 21
Category	Debt - Low Duration
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.86
Sharpe Ratio	0.99
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	4.19%
Effective Maturity	8 Months 1 Day
Modified Duration	5 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,643
31 Oct 21	₹11,903

Sundaram Low 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 Sundaram Low 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 31 Dec 21

Duration	Returns
1 Month	0.3%
3 Month	1%
6 Month	10.2%
1 Year	11.8%
3 Year	5%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

Fund Manager information for Sundaram Low Duration Fund

Name	Since	Tenure

Data below for Sundaram Low Duration Fund as on 30 Nov 21

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 Savings Fund

(Erstwhile ICICI Prudential Flexible Income Plan)

To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Savings Fund is a Debt - Low Duration fund was launched on 27 Sep 02. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 11 in Low Duration category. Return for 2023 was 7.6% , 2022 was 4.5% and 2021 was 3.8% .

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (28 Nov 24)	₹519.076 ↑ 0.02 (0.00 %)
Net Assets (Cr)	₹21,132 on 31 Oct 24
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	2.95
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.68%
Effective Maturity	1 Year 9 Months 7 Days
Modified Duration	9 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,825
31 Oct 21	₹11,357
31 Oct 22	₹11,780
31 Oct 23	₹12,663
31 Oct 24	₹13,673

ICICI Prudential 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 ICICI Prudential 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.9%
1 Year	8%
3 Year	6.5%
5 Year	6.4%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.6%
2022	4.5%
2021	3.8%
2020	8.6%
2019	8.8%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.8%
2014	9.5%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	0.13 Yr.
Darshil Dedhia	12 Jun 23	1.39 Yr.

Data below for ICICI Prudential Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	32.62%
Debt	67.13%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	70.68%
Government	18.01%
Cash Equivalent	11.06%

Credit Quality

Rating	Value
AA	12.35%
AAA	87.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Govt Stock 22092033 Sovereign Bonds \| -	6%	₹1,376 Cr	133,719,310
LIC Housing Finance Limited Debentures \| -	3%	₹651 Cr	6,500
Small Industries Development Bank of India Debentures \| -	3%	₹550 Cr	11,300
8% Govt Stock 2034 Sovereign Bonds \| -	2%	₹471 Cr	46,625,930
Canara Bank Domestic Bonds \| -	2%	₹373 Cr	7,700
Bharti Telecom Limited Debentures \| -	2%	₹351 Cr	35,000
PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3 Unlisted bonds \| -	2%	₹335 Cr	333
Bajaj Finance Limited Debentures \| -	2%	₹325 Cr	3,250
PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1 Unlisted bonds \| -	1%	₹310 Cr	308
Embassy Office Parks Reit Debentures \| -	1%	₹301 Cr	30,000

3. UTI Treasury Advantage Fund

The scheme will endeavour to generate an attractive return for its investors consistent with capital preservation and liquidity by investing in a portfolio of quality debt securities, money market instruments and structured obligations.

UTI Treasury Advantage Fund is a Debt - Low Duration fund was launched on 23 Apr 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 15 in Low Duration category. Return for 2023 was 7.1% , 2022 was 4.5% and 2021 was 9% .

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (28 Nov 24)	₹3,386.98 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹3,394 on 31 Oct 24
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2.57
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.56%
Effective Maturity	1 Year 4 Days
Modified Duration	10 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,754
31 Oct 21	₹11,735
31 Oct 22	₹12,194
31 Oct 23	₹13,053
31 Oct 24	₹14,064

UTI Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.9%
1 Year	7.7%
3 Year	6.3%
5 Year	7%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	4.5%
2021	9%
2020	7.3%
2019	-4.2%
2018	7.3%
2017	7%
2016	8.9%
2015	8.8%
2014	9.3%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	2.92 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	54.32%
Debt	45.43%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	54.32%
Corporate	29.38%
Government	16.05%

Credit Quality

Rating	Value
AA	7.16%
AAA	92.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	4%	₹125 Cr	1,250 ↑ 1,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000 ↑ 5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹75 Cr	7,500
08.05 GJ Sdl 2025 Sovereign Bonds \| -	2%	₹75 Cr	750,000,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹75 Cr	750 ↑ 250
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹71 Cr	75
Fullerton India Credit Company Ltd Debentures \| -	2%	₹65 Cr	6,500

4. Invesco India Treasury Advantage Fund

(Erstwhile Invesco India Ultra Short Term Fund)

The investment objective is to provide liquidity and optimal returns to the investor by investing primarily in a mix of short term debt and money market instruments which results in a portfolio having marginally higher maturity and moderately higher credit risk as compared to a liquid fund at the same time maintaining a balance between safety and liquidity.

Invesco India Treasury Advantage Fund is a Debt - Low Duration fund was launched on 18 Jan 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 49 in Low Duration category. Return for 2023 was 6.8% , 2022 was 4% and 2021 was 3.5% .

Below is the key information for Invesco India Treasury Advantage Fund

Invesco India Treasury Advantage Fund Growth
Launch Date	18 Jan 07
NAV (28 Nov 24)	₹3,616.61 ↑ 0.02 (0.00 %)
Net Assets (Cr)	₹1,478 on 31 Oct 24
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	1 Year 2 Days
Modified Duration	10 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,732
31 Oct 21	₹11,118
31 Oct 22	₹11,501
31 Oct 23	₹12,290
31 Oct 24	₹13,219

Invesco India Treasury Advantage 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 Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.5%
3 Year	6%
5 Year	5.7%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	4%
2021	3.5%
2020	7.1%
2019	8.9%
2018	7.1%
2017	6.3%
2016	8.5%
2015	8.4%
2014	9%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	11.84 Yr.
Vikas Garg	16 Dec 20	3.88 Yr.

Data below for Invesco India Treasury Advantage Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	42.46%
Debt	57.25%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.82%
Cash Equivalent	24.54%
Government	9.35%

Credit Quality

Rating	Value
AA	16.36%
AAA	83.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 14112024 Sovereign Bonds \| -	4%	₹55 Cr	5,500,000
182 DTB 28112024 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Axis Bank Ltd. Debentures \| -	3%	₹49 Cr	5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹45 Cr	4,500,000 ↑ 2,500,000
TATA Steel Limited Debentures \| -	3%	₹45 Cr	4,500,000
Nexus Select Trust Debentures \| -	2%	₹35 Cr	3,500,000
Bharti Telecom Limited Debentures \| -	2%	₹35 Cr	3,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000
REC Ltd. 7.71% Debentures \| -	2%	₹25 Cr	2,500,000
Mindspace Business Parks Reit Debentures \| -	2%	₹25 Cr	2,500,000

5. L&T Low Duration Fund

(Erstwhile L&T Short Term Income Fund)

To generate reasonable returns primarily through investments in fixed income securities and money market instruments. There is no assurance that the objective of the Scheme will be realised and the Scheme does not assure or guarantee any returns.

L&T Low Duration Fund is a Debt - Low Duration fund was launched on 4 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 13 in Low Duration category. Return for 2023 was 7.1% , 2022 was 3.9% and 2021 was 3.4% .

Below is the key information for L&T Low Duration Fund

L&T Low Duration Fund Growth
Launch Date	4 Dec 10
NAV (28 Nov 24)	₹27.0834 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹437 on 30 Sep 24
Category	Debt - Low Duration
AMC	L&T Investment Management Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	1.27
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	1,000
Exit Load	0-9 Months (1%),9 Months and above(NIL)
Yield to Maturity	7.6%
Effective Maturity	1 Year 5 Months 5 Days
Modified Duration	10 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,722
31 Oct 21	₹11,111
31 Oct 22	₹11,489
31 Oct 23	₹12,304
31 Oct 24	₹13,229

L&T Low 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 L&T Low 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 31 Dec 21

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.5%
3 Year	6.1%
5 Year	5.7%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	3.9%
2021	3.4%
2020	6.9%
2019	5.1%
2018	6.6%
2017	8.3%
2016	9.8%
2015	8.8%
2014	10.2%

Fund Manager information for L&T Low Duration Fund

Name	Since	Tenure
Shriram Ramanathan	24 Nov 12	11.94 Yr.
Mohd Asif Rizwi	16 Jan 24	0.79 Yr.

Data below for L&T Low Duration Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	31.24%
Debt	68.45%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	70.62%
Government	27.98%
Cash Equivalent	1.1%

Credit Quality

Rating	Value
AA	10.86%
AAA	89.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corporation Of India Limited Debentures \| -	6%	₹28 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	6%	₹27 Cr	2,500
Rural Electrification Corporation Limited Debentures \| -	6%	₹27 Cr	2,500
Ongc Petro Additions Limited Debentures \| -	6%	₹26 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹26 Cr	2,500 ↑ 2,500
National Housing Bank Debentures \| -	6%	₹26 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	6%	₹26 Cr	250
Power Finance Corporation Ltd. Debentures \| -	6%	₹25 Cr	250
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹19 Cr	180 ↑ 180
Shriram Finance Limited Debentures \| -	4%	₹16 Cr	1,500 ↑ 1,500

6. HDFC Low Duration Fund

(Erstwhile HDFC Cash Management Fund - Treasury Advantage Plan)

To generate regular income through investment in debt securities and money market instruments.

HDFC Low Duration Fund is a Debt - Low Duration fund was launched on 18 Nov 99. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.1% and 2021 was 3.7% .

Below is the key information for HDFC Low Duration Fund

HDFC Low Duration Fund Growth
Launch Date	18 Nov 99
NAV (28 Nov 24)	₹55.2115 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹17,719 on 31 Oct 24
Category	Debt - Low Duration
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.03
Sharpe Ratio	1.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.79%
Effective Maturity	2 Years 11 Days
Modified Duration	11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,787
31 Oct 21	₹11,263
31 Oct 22	₹11,660
31 Oct 23	₹12,477
31 Oct 24	₹13,406

HDFC Low 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 HDFC Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.7%
1 Year	7.4%
3 Year	6%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.1%
2021	3.7%
2020	8.1%
2019	8%
2018	6.5%
2017	6.4%
2016	8.6%
2015	7.7%
2014	8.4%

Fund Manager information for HDFC Low Duration Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.02 Yr.
Praveen Jain	6 Oct 22	2.07 Yr.
Dhruv Muchhal	22 Jun 23	1.36 Yr.

Data below for HDFC Low Duration Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	11.78%
Debt	87.96%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	70.83%
Government	23.35%
Cash Equivalent	5.13%

Credit Quality

Rating	Value
AA	14.27%
AAA	85.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Govt Stock 22092033 Sovereign Bonds \| -	7%	₹1,286 Cr	125,000,000
7.98% Govt Stock 2031 Sovereign Bonds \| -	3%	₹509 Cr	50,000,000
Govt Stock 04102028 Sovereign Bonds \| -	3%	₹503 Cr	50,000,000
Titan Company Limited Debentures \| -	3%	₹501 Cr	50,000
Hdb Financial Services Limited Debentures \| -	2%	₹450 Cr	45,000 ↑ 20,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹376 Cr	37,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹374 Cr	3,750
SANSAR TRUST JULY 2023 II Unlisted bonds \| -	2%	₹294 Cr	4,500
Small Industries Development Bank Of India Debentures \| -	2%	₹275 Cr	2,750
Power Finance Corporation Limited Debentures \| -	2%	₹274 Cr	2,750

7. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Tata Treasury Advantage Fund is a Debt - Low Duration fund was launched on 6 Sep 05. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 26 in Low Duration category. Return for 2023 was 6.9% , 2022 was 4.1% and 2021 was 3.6% .

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (28 Nov 24)	₹3,757.71 ↑ 0.63 (0.02 %)
Net Assets (Cr)	₹2,588 on 31 Oct 24
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0
Sharpe Ratio	2.27
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	11 Months 5 Days
Modified Duration	9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,762
31 Oct 21	₹11,168
31 Oct 22	₹11,578
31 Oct 23	₹12,362
31 Oct 24	₹13,284

Tata Treasury Advantage 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 Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	4.1%
2021	3.6%
2020	7.5%
2019	2.2%
2018	7.5%
2017	6.9%
2016	8.5%
2015	8.6%
2014	9.2%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	10.42 Yr.
Abhishek Sonthalia	6 Feb 20	4.74 Yr.

Data below for Tata Treasury Advantage Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	35.9%
Debt	63.83%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	42.82%
Cash Equivalent	35.9%
Government	21%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rural Electrification Corporation Limited Debentures \| -	5%	₹125 Cr	1,250 ↑ 1,250
Housing And Urban Development Corporation Ltd. Debentures \| -	4%	₹95 Cr	950
182 DTB 14112024 Sovereign Bonds \| -	3%	₹75 Cr	7,500,000
Power Finance Corporation Ltd. Debentures \| -	3%	₹74 Cr	750 ↑ 750
Rec Limited Debentures \| -	3%	₹74 Cr	750
Power Finance Corporation Limited Debentures \| -	2%	₹55 Cr	550
Smfg India Credit Company Limited Debentures \| -	2%	₹55 Cr	550
Smfg India Credit Company Limited Debentures \| -	2%	₹50 Cr	5,000
HDFC Bank Limited Debentures \| -	2%	₹50 Cr	1,000 ↑ 1,000
National Housing Bank Debentures \| -	2%	₹50 Cr	5,000

8. DSP BlackRock Low Duration Fund

(Erstwhile DSP BlackRock Ultra Short Term Fund)

The investment objective of the Scheme is to seek to generate returns commensurate with risk from a portfolio constituted of money market securities and/or debt securities. There is no assurance that the investment objective of the Scheme will be realized.

DSP BlackRock Low Duration Fund is a Debt - Low Duration fund was launched on 10 Mar 15. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Return for 2023 was 6.9% , 2022 was 4.2% and 2021 was 3.5% .

Below is the key information for DSP BlackRock Low Duration Fund

DSP BlackRock Low Duration Fund Growth
Launch Date	10 Mar 15
NAV (28 Nov 24)	₹18.9611 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹5,774 on 31 Oct 24
Category	Debt - Low Duration
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.78
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	1 Year 1 Month 10 Days
Modified Duration	11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,686
31 Oct 21	₹11,068
31 Oct 22	₹11,468
31 Oct 23	₹12,265
31 Oct 24	₹13,179

DSP BlackRock Low 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 DSP BlackRock Low 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.7%
1 Year	7.4%
3 Year	6.1%
5 Year	5.7%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	4.2%
2021	3.5%
2020	6.7%
2019	8.7%
2018	7.3%
2017	6.5%
2016	8.5%
2015
2014

Fund Manager information for DSP BlackRock Low Duration Fund

Name	Since	Tenure
Karan Mundra	1 Mar 22	2.67 Yr.
Shalini Vasanta	1 Jun 23	1.42 Yr.

Data below for DSP BlackRock Low Duration Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	25.42%
Debt	74.38%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	51.36%
Cash Equivalent	25.42%
Government	23.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	3%	₹178 Cr	1,750 ↑ 500
7.06% Govt Stock 2028 Sovereign Bonds \| -	3%	₹172 Cr	17,000,000 ↓ -1,000,000
LIC Housing Finance Limited Debentures \| -	2%	₹134 Cr	1,250
Power Finance Corporation Ltd. Debentures \| -	2%	₹127 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹126 Cr	1,260
Axis Bank Ltd. Debentures \| -	2%	₹124 Cr	2,500 ↑ 2,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹123 Cr	129
08.28 KA Sdl 2026 Sovereign Bonds \| -	2%	₹103 Cr	10,000,000
Kotak Mahindra Prime Limited Debentures \| -	2%	₹101 Cr	1,000
India (Republic of) - \| -	2%	₹97 Cr	10,000,000 ↑ 10,000,000

9. Canara Robeco Savings Fund

(Erstwhile Canara Robeco Savings Plus Fund)

To generate income/ Capital appreciation by investing in a portfolio comprising of short term debt instruments and money market instruments with weighted average portfolio duration between 3 months to less than 1 year. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Savings Fund is a Debt - Low Duration fund was launched on 4 Mar 05. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 38 in Low Duration category. Return for 2023 was 7% , 2022 was 4.1% and 2021 was 3.1% .

Below is the key information for Canara Robeco Savings Fund

Canara Robeco Savings Fund Growth
Launch Date	4 Mar 05
NAV (28 Nov 24)	₹40.2967 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹912 on 31 Oct 24
Category	Debt - Low Duration
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.59
Sharpe Ratio	1.9
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	1 Year 23 Days
Modified Duration	11 Months 9 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,658
31 Oct 21	₹11,006
31 Oct 22	₹11,389
31 Oct 23	₹12,184
31 Oct 24	₹13,091

Canara Robeco 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 Canara Robeco 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 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6%
5 Year	5.5%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.1%
2021	3.1%
2020	6.4%
2019	8.1%
2018	6.9%
2017	6.8%
2016	8.4%
2015	8.3%
2014	9%

Fund Manager information for Canara Robeco Savings Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	2.59 Yr.
Kunal Jain	18 Jul 22	2.29 Yr.

Data below for Canara Robeco Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	29.67%
Debt	70.03%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	46.92%
Cash Equivalent	29.67%
Government	23.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	6%	₹59 Cr	600
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹50 Cr	5,000
Hdb Financial Services Limited Debentures \| -	5%	₹50 Cr	500
Power Finance Corporation Limited Debentures \| -	5%	₹50 Cr	500
Gscg 15sep2026 Sovereign Bonds \| -	4%	₹40 Cr	4,545,000
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹35 Cr	3,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹35 Cr	350
Small Industries Development Bank Of India Debentures \| -	4%	₹35 Cr	350
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹31 Cr	310
National Housing Bank Debentures \| -	3%	₹25 Cr	2,500 ↑ 2,500

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