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 March 14, 2025 , 14178 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 (%)	2024 (%)	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	₹529.115 ↑ 0.11	₹22,337	1.7	3.6	7.7	7.1	8	7.73%	10M 6D	1Y 8M 16D
UTI Treasury Advantage Fund Growth	₹3,452.67 ↑ 0.82	₹3,348	1.6	3.5	7.5	6.7	7.7	7.62%	10M 10D	11M 19D
DSP BlackRock Low Duration Fund Growth	₹19.3275 ↑ 0.00	₹5,167	1.6	3.4	7.3	6.4	7.4	7.6%	11M 5D	1Y 29D
Tata Treasury Advantage Fund Growth	₹3,830 ↑ 0.59	₹2,377	1.6	3.5	7.3	6.4	7.4	7.52%	10M 8D	1Y 1M 16D
Invesco India Treasury Advantage Fund Growth	₹3,686.49 ↑ 0.60	₹1,673	1.6	3.5	7.2	6.4	7.6	7.52%	10M 18D	11M 29D
IDFC Low Duration Fund Growth	₹37.5943 ↑ 0.01	₹5,462	1.6	3.5	7.2	6.4	7.3	7.6%	10M 9D	11M 14D
Nippon India Low Duration Fund Growth	₹3,647 ↑ 0.58	₹8,111	1.6	3.5	7.2	6.3	7.4	7.81%	10M 28D	1Y 2M 4D
L&T Low Duration Fund Growth	₹27.5764 ↑ 0.00	₹420	1.5	3.4	7.2	6.4	7.5	7.6%	10M 26D	1Y 5M 5D
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
29 Feb 20	₹10,000
28 Feb 21	₹10,506

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
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

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 2024 was 8% , 2023 was 7.6% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Savings Fund

ICICI Prudential Savings Fund Growth
Launch Date	27 Sep 02
NAV (13 Mar 25)	₹529.115 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹22,337 on 31 Jan 25
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	2.91
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	1 Year 8 Months 16 Days
Modified Duration	10 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,757
28 Feb 22	₹11,152
28 Feb 23	₹11,748
29 Feb 24	₹12,669
28 Feb 25	₹13,663

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	0.5%
3 Month	1.7%
6 Month	3.6%
1 Year	7.7%
3 Year	7.1%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
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%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	0.46 Yr.
Darshil Dedhia	12 Jun 23	1.72 Yr.

Data below for ICICI Prudential Savings Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	36.93%
Debt	62.79%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.55%
Government	21.54%
Cash Equivalent	13.64%

Credit Quality

Rating	Value
AA	13.53%
AAA	86.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.93% Govt Stock 2033 Sovereign Bonds \| -	6%	₹1,324 Cr	128,719,310
7.3% Govt Stock 2028 Sovereign Bonds \| -	3%	₹746 Cr	74,273,600 ↑ 41,500,000
LIC Housing Finance Limited Debentures \| -	3%	₹650 Cr	6,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹604 Cr	60,500
7.53% Govt Stock 2034 Sovereign Bonds \| -	2%	₹472 Cr	46,625,930
Bharti Telecom Limited Debentures \| -	2%	₹351 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	2%	₹349 Cr	35,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	1%	₹329 Cr	333
Embassy Office Parks Reit Debentures \| -	1%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹299 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 2024 was 7.7% , 2023 was 7.1% and 2022 was 4.5% .

Below is the key information for UTI Treasury Advantage Fund

UTI Treasury Advantage Fund Growth
Launch Date	23 Apr 07
NAV (13 Mar 25)	₹3,452.67 ↑ 0.82 (0.02 %)
Net Assets (Cr)	₹3,348 on 31 Jan 25
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2.24
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.62%
Effective Maturity	11 Months 19 Days
Modified Duration	10 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,634
28 Feb 22	₹11,619
28 Feb 23	₹12,185
29 Feb 24	₹13,088
28 Feb 25	₹14,076

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	0.5%
3 Month	1.6%
6 Month	3.5%
1 Year	7.5%
3 Year	6.7%
5 Year	7.2%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
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%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.25 Yr.

Data below for UTI Treasury Advantage Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	54.9%
Debt	44.82%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	50.7%
Cash Equivalent	40.45%
Government	8.58%

Credit Quality

Rating	Value
AA	8.54%
AAA	91.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Finance Corporation Limited Debentures \| -	4%	₹147 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹125 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000 ↓ -5,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹100 Cr	10,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹60 Cr	75
Rec Limited Debentures \| -	2%	₹50 Cr	5,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹50 Cr	5,000
Export Import Bank Of India Debentures \| -	2%	₹50 Cr	500
LIC Housing Finance Limited Debentures \| -	2%	₹50 Cr	500

4. 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 2024 was 7.4% , 2023 was 6.9% and 2022 was 4.2% .

Below is the key information for DSP BlackRock Low Duration Fund

DSP BlackRock Low Duration Fund Growth
Launch Date	10 Mar 15
NAV (13 Mar 25)	₹19.3275 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹5,167 on 31 Jan 25
Category	Debt - Low Duration
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.96
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.6%
Effective Maturity	1 Year 29 Days
Modified Duration	11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,578
28 Feb 22	₹10,981
28 Feb 23	₹11,476
29 Feb 24	₹12,301
28 Feb 25	₹13,206

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	1.6%
6 Month	3.4%
1 Year	7.3%
3 Year	6.4%
5 Year	5.8%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
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

Fund Manager information for DSP BlackRock Low Duration Fund

Name	Since	Tenure
Karan Mundra	1 Mar 22	3 Yr.
Shalini Vasanta	1 Jun 23	1.75 Yr.

Data below for DSP BlackRock Low Duration Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	26.26%
Debt	73.46%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	60.84%
Government	24.4%
Cash Equivalent	14.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Limited Debentures \| -	4%	₹203 Cr	2,000
7.06% Govt Stock 2028 Sovereign Bonds \| -	3%	₹150 Cr	14,500,000
Sikka Ports & Terminals Limited Debentures \| -	3%	₹141 Cr	1,350
Small Industries Development Bank Of India Debentures \| -	3%	₹130 Cr	1,250
Power Finance Corporation Ltd. Debentures \| -	3%	₹129 Cr	1,250
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹104 Cr	129
LIC Housing Finance Ltd Debentures \| -	2%	₹104 Cr	1,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹101 Cr	1,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹85 Cr	89
Bajaj Finance Limited Debentures \| -	2%	₹81 Cr	750

5. 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 2024 was 7.4% , 2023 was 6.9% and 2022 was 4.1% .

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (13 Mar 25)	₹3,830 ↑ 0.59 (0.02 %)
Net Assets (Cr)	₹2,377 on 31 Jan 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0
Sharpe Ratio	2.25
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.52%
Effective Maturity	1 Year 1 Month 16 Days
Modified Duration	10 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,652
28 Feb 22	₹11,080
28 Feb 23	₹11,570
29 Feb 24	₹12,398
28 Feb 25	₹13,309

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	1.6%
6 Month	3.5%
1 Year	7.3%
3 Year	6.4%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
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%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	10.75 Yr.
Abhishek Sonthalia	6 Feb 20	5.07 Yr.

Data below for Tata Treasury Advantage Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	51.76%
Debt	47.92%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	43.57%
Cash Equivalent	34.98%
Government	21.13%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	4%	₹100 Cr	10,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	4%	₹97 Cr	9,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹55 Cr	550
Smfg India Credit Company Limited Debentures \| -	2%	₹50 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹50 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹50 Cr	5,000
John Deere Financial India Private Limited Debentures \| -	2%	₹50 Cr	500
Power Finance Corporation Limited Debentures \| -	2%	₹50 Cr	500
06.55 AP Sdl 2028 Sovereign Bonds \| -	2%	₹42 Cr	4,200,000

6. 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 2024 was 7.6% , 2023 was 6.8% and 2022 was 4% .

Below is the key information for Invesco India Treasury Advantage Fund

Invesco India Treasury Advantage Fund Growth
Launch Date	18 Jan 07
NAV (13 Mar 25)	₹3,686.49 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹1,673 on 31 Jan 25
Category	Debt - Low Duration
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	2.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.52%
Effective Maturity	11 Months 29 Days
Modified Duration	10 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,618
28 Feb 22	₹11,019
28 Feb 23	₹11,498
29 Feb 24	₹12,336
28 Feb 25	₹13,239

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	0.5%
3 Month	1.6%
6 Month	3.5%
1 Year	7.2%
3 Year	6.4%
5 Year	5.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.6%
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%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	12.17 Yr.
Vikas Garg	16 Dec 20	4.21 Yr.

Data below for Invesco India Treasury Advantage Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	40.43%
Debt	59.27%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	59.34%
Cash Equivalent	27.44%
Government	12.91%

Credit Quality

Rating	Value
AA	15.44%
AAA	84.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	7%	₹105 Cr	10,500,000 ↓ -1,000,000
182 Days Tbill Red 23-05-2025 Sovereign Bonds \| -	7%	₹98 Cr	10,000,000
Godrej Properties Limited Debentures \| -	3%	₹41 Cr	4,100,000
Cholamandalam Investment And Fin. Co. Ltd Debentures \| -	2%	₹35 Cr	3,500,000 ↑ 1,500,000
Nexus Select Trust Debentures \| -	2%	₹35 Cr	3,500,000
Ongc Petro Additions Limited Debentures \| -	2%	₹33 Cr	3,280,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
07.15 KL Sdl 2027 Sovereign Bonds \| -	2%	₹25 Cr	2,500,000
REC Ltd. 7.71% Debentures \| -	2%	₹25 Cr	2,500,000
Sikka Ports & Terminals Limited Debentures \| -	2%	₹25 Cr	2,500,000

7. IDFC Low Duration Fund

(Erstwhile IDFC Ultra Short Term Fund)

To offer an investment avenue for short term savings by looking to generate stable returns with a low risk strategy. The scheme will have a portfolio that is invested in good quality debt and money market instruments such that the fund will offer a blend of liquidity with stability of returns. There can be no assurance that the investment objective of the scheme will be realized

IDFC Low Duration Fund is a Debt - Low Duration fund was launched on 17 Jan 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 18 in Low Duration category. Return for 2024 was 7.3% , 2023 was 6.9% and 2022 was 4% .

Below is the key information for IDFC Low Duration Fund

IDFC Low Duration Fund Growth
Launch Date	17 Jan 06
NAV (13 Mar 25)	₹37.5943 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹5,462 on 15 Feb 25
Category	Debt - Low Duration
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	2.07
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.6%
Effective Maturity	11 Months 14 Days
Modified Duration	10 Months 9 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,593
28 Feb 22	₹11,001
28 Feb 23	₹11,480
29 Feb 24	₹12,311
28 Feb 25	₹13,210

IDFC 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 IDFC 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	1.6%
6 Month	3.5%
1 Year	7.2%
3 Year	6.4%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	6.9%
2022	4%
2021	3.5%
2020	6.9%
2019	8.3%
2018	7.2%
2017	7%
2016	8.8%
2015	8.7%

Fund Manager information for IDFC Low Duration Fund

Name	Since	Tenure
Harshal Joshi	28 Jul 21	3.59 Yr.
Brijesh Shah	10 Jun 24	0.72 Yr.

Data below for IDFC Low Duration Fund as on 15 Feb 25

Asset Allocation

Asset Class	Value
Cash	41.85%
Debt	57.85%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.3%
Government	25.12%
Cash Equivalent	17.27%

Credit Quality

Rating	Value
AA	3.49%
AAA	96.51%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Limited Debentures \| -	7%	₹384 Cr	38,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹274 Cr	27,500,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹239 Cr	24,000,000 ↓ -2,500,000
Power Finance Corporation Limited Debentures \| -	4%	₹225 Cr	22,500,000 ↑ 2,500,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹219 Cr	21,900,000
08.32 Up SDL 2029 Sovereign Bonds \| -	2%	₹131 Cr	12,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹129 Cr	13,000,000
HDFC Bank Limited Debentures \| -	2%	₹125 Cr	12,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹124 Cr	12,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹122 Cr	10,000,000

8. Nippon India Low Duration Fund

(Erstwhile Reliance Money Manager Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.

Nippon India Low Duration Fund is a Debt - Low Duration fund was launched on 20 Mar 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 31 in Low Duration category. Return for 2024 was 7.4% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for Nippon India Low Duration Fund

Nippon India Low Duration Fund Growth
Launch Date	20 Mar 07
NAV (13 Mar 25)	₹3,647 ↑ 0.58 (0.02 %)
Net Assets (Cr)	₹8,111 on 31 Jan 25
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.7
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.81%
Effective Maturity	1 Year 2 Months 4 Days
Modified Duration	10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,611
28 Feb 22	₹11,085
28 Feb 23	₹11,570
29 Feb 24	₹12,386
28 Feb 25	₹13,292

Nippon India 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 Nippon India 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	0.4%
3 Month	1.6%
6 Month	3.5%
1 Year	7.2%
3 Year	6.3%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.7%
2022	4.2%
2021	4.1%
2020	7.3%
2019	7%
2018	7.4%
2017	6.6%
2016	8.5%
2015	8.4%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.08 Yr.
Kinjal Desai	25 May 18	6.77 Yr.

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

Asset Allocation

Asset Class	Value
Cash	28.18%
Debt	71.52%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	59.75%
Government	22.57%
Cash Equivalent	17.38%

Credit Quality

Rating	Value
AA	15.16%
AAA	84.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 12062025 Sovereign Bonds \| -	4%	₹289 Cr	29,500,000
9.35% Telangana State Industrial Infrastructure Corporation Limited Debentures \| -	3%	₹202 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹195 Cr	19,500
Indinfravit Trust Debentures \| -	2%	₹173 Cr	18,000
Highways Infrastructure Trust Debentures \| -	2%	₹171 Cr	1,750
Shriram Finance Limited Debentures \| -	2%	₹171 Cr	17,000 ↓ -5,000
Rec Limited Debentures \| -	2%	₹160 Cr	16,000
NAOMI 05 2024 Unlisted bonds \| -	2%	₹158 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	2%	₹156 Cr	15,500
India Grid Trust Debentures \| -	2%	₹151 Cr	15,000

9. 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 2024 was 7.5% , 2023 was 7.1% and 2022 was 3.9% .

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

L&T Low Duration Fund Growth
Launch Date	4 Dec 10
NAV (13 Mar 25)	₹27.5764 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹420 on 31 Oct 24
Category	Debt - Low Duration
AMC	L&T Investment Management Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.64
Sharpe Ratio	2.52
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
29 Feb 20	₹10,000
28 Feb 21	₹10,560
28 Feb 22	₹10,955
28 Feb 23	₹11,424
29 Feb 24	₹12,271
28 Feb 25	₹13,172

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	0.5%
3 Month	1.5%
6 Month	3.4%
1 Year	7.2%
3 Year	6.4%
5 Year	5.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
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%

Fund Manager information for L&T Low Duration Fund

Name	Since	Tenure
Shriram Ramanathan	24 Nov 12	12.27 Yr.
Mohd Asif Rizwi	16 Jan 24	1.12 Yr.

Data below for L&T Low Duration Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	33.41%
Debt	66.33%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	54.37%
Government	25%
Cash Equivalent	20.37%

Credit Quality

Rating	Value
AA	10.86%
AAA	89.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹27 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	5%	₹27 Cr	250
National Housing Bank Debentures \| -	5%	₹27 Cr	2,500
Rec Limited Debentures \| -	5%	₹26 Cr	2,500 ↑ 2,500
Small Industries Development Bank Of India Debentures \| -	5%	₹26 Cr	250 ↑ 250
Power Finance Corporation Ltd. Debentures \| -	5%	₹26 Cr	250
Export Import Bank Of India Debentures \| -	5%	₹26 Cr	250
Indian Railway Finance Corporation Limited Debentures \| -	5%	₹26 Cr	2,500
Power Finance Corporation Ltd. Debentures \| -	4%	₹20 Cr	200 ↑ 200
7.06% Govt Stock 2028 Sovereign Bonds \| -	3%	₹16 Cr	1,500,000 ↑ 1,000,000

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