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 January 4, 2025 , 14094 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	₹522.713 ↑ 0.28	₹23,232	1.8	3.8	7.9	6.7	8	7.64%	9M 4D	1Y 7M 10D
UTI Treasury Advantage Fund Growth	₹3,411.79 ↑ 1.89	₹3,505	1.8	3.8	7.7	6.5	7.7	7.49%	9M 22D	11M 1D
Invesco India Treasury Advantage Fund Growth	₹3,643.45 ↑ 1.94	₹1,493	1.8	3.6	7.6	6.2	7.6	7.51%	10M 12D	11M 25D
L&T Low Duration Fund Growth	₹27.2683 ↑ 0.01	₹420	1.7	3.6	7.5	6.2	7.5	7.6%	10M 26D	1Y 5M 5D
DSP BlackRock Low Duration Fund Growth	₹19.0971 ↑ 0.01	₹5,505	1.7	3.6	7.4	6.2	7.4	7.49%	11M 1D	1Y 22D
Tata Treasury Advantage Fund Growth	₹3,784.85 ↑ 2.23	₹2,460	1.7	3.6	7.4	6.1	7.4	7.36%	9M 22D	11M 8D
Nippon India Low Duration Fund Growth	₹3,605.13 ↑ 2.35	₹9,369	1.8	3.7	7.4	6.1	7.4	7.7%	10M 29D	1Y 2M 9D
HDFC Low Duration Fund Growth	₹55.5796 ↑ 0.03	₹18,497	1.7	3.5	7.4	6.2	7.4	7.75%	10M 29D	2Y 7D
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 Dec 19	₹10,000
31 Dec 20	₹10,615

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 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 (06 Jan 25)	₹522.713 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹23,232 on 15 Dec 24
Category	Debt - Low Duration
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	3.32
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	1 Year 7 Months 10 Days
Modified Duration	9 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,859
31 Dec 21	₹11,268
31 Dec 22	₹11,775
31 Dec 23	₹12,673
31 Dec 24	₹13,683

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	1.8%
6 Month	3.8%
1 Year	7.9%
3 Year	6.7%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8%
2022	7.6%
2021	4.5%
2020	3.8%
2019	8.6%
2018	8.8%
2017	7.3%
2016	7.1%
2015	9.1%
2014	8.8%

Fund Manager information for ICICI Prudential Savings Fund

Name	Since	Tenure
Nikhil Kabra	13 Sep 24	0.3 Yr.
Darshil Dedhia	12 Jun 23	1.56 Yr.

Data below for ICICI Prudential Savings Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	40.77%
Debt	58.99%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	60.92%
Cash Equivalent	21.58%
Government	17.26%

Credit Quality

Rating	Value
AA	12.77%
AAA	87.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.93% Govt Stock 2033 Sovereign Bonds \| -	6%	₹1,322 Cr	128,719,310
LIC Housing Finance Limited Debentures \| -	3%	₹650 Cr	6,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹475 Cr	47,500 ↑ 20,000
7.53% Govt Stock 2034 Sovereign Bonds \| -	2%	₹470 Cr	46,625,930
Bank of India Ltd. Debentures \| -	2%	₹387 Cr	8,000
Bharti Telecom Limited Debentures \| -	2%	₹352 Cr	35,000
Small Industries Development Bank Of India Debentures \| -	2%	₹349 Cr	35,000 ↑ 5,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	1%	₹333 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 ↑ 15,000

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 (06 Jan 25)	₹3,411.79 ↑ 1.89 (0.06 %)
Net Assets (Cr)	₹3,505 on 30 Nov 24
Category	Debt - Low Duration
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.44
Sharpe Ratio	2.47
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	11 Months 1 Day
Modified Duration	9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,728
31 Dec 21	₹11,689
31 Dec 22	₹12,213
31 Dec 23	₹13,083
31 Dec 24	₹14,089

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	1.8%
6 Month	3.8%
1 Year	7.7%
3 Year	6.5%
5 Year	7.1%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.7%
2022	7.1%
2021	4.5%
2020	9%
2019	7.3%
2018	-4.2%
2017	7.3%
2016	7%
2015	8.9%
2014	8.8%

Fund Manager information for UTI Treasury Advantage Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.09 Yr.

Data below for UTI Treasury Advantage Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	53.31%
Debt	46.43%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	48.37%
Cash Equivalent	35.08%
Government	16.3%

Credit Quality

Rating	Value
AA	5.8%
AAA	94.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹151 Cr	15,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹125 Cr	1,250
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000
05.95 Tn SDL 2025 Sovereign Bonds \| -	3%	₹100 Cr	1,000,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹98 Cr	1,000 ↑ 1,000
Nirma Limited Debentures \| -	2%	₹75 Cr	7,500
LIC Housing Finance Limited Debentures \| -	2%	₹75 Cr	750 ↑ 250
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹68 Cr	75
Aditya Birla Renewables Limited Debentures \| -	1%	₹50 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	1%	₹50 Cr	5,000

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 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 (06 Jan 25)	₹3,643.45 ↑ 1.94 (0.05 %)
Net Assets (Cr)	₹1,493 on 30 Nov 24
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	7.51%
Effective Maturity	11 Months 25 Days
Modified Duration	10 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,709
31 Dec 21	₹11,081
31 Dec 22	₹11,524
31 Dec 23	₹12,312
31 Dec 24	₹13,246

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	1.8%
6 Month	3.6%
1 Year	7.6%
3 Year	6.2%
5 Year	5.8%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.6%
2022	6.8%
2021	4%
2020	3.5%
2019	7.1%
2018	8.9%
2017	7.1%
2016	6.3%
2015	8.5%
2014	8.4%

Fund Manager information for Invesco India Treasury Advantage Fund

Name	Since	Tenure
Krishna Cheemalapati	1 Jan 13	12.01 Yr.
Vikas Garg	16 Dec 20	4.04 Yr.

Data below for Invesco India Treasury Advantage Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	36.15%
Debt	63.57%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.78%
Cash Equivalent	21.99%
Government	12.95%

Credit Quality

Rating	Value
AA	18.5%
AAA	81.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	7%	₹113 Cr	11,500,000
182 Days Tbill Red 23-05-2025 Sovereign Bonds \| -	6%	₹97 Cr	10,000,000 ↑ 10,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹50 Cr	5,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹50 Cr	5,000,000
Axis Bank Ltd. Debentures \| -	3%	₹48 Cr	5,000,000 ↑ 5,000,000
364 DTB Sovereign Bonds \| -	3%	₹44 Cr	4,500,000
Nexus Select Trust Debentures \| -	2%	₹35 Cr	3,500,000
Godrej Industries Limited 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

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 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 (06 Jan 25)	₹27.2683 ↑ 0.01 (0.05 %)
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
31 Dec 19	₹10,000
31 Dec 20	₹10,687
31 Dec 21	₹11,055
31 Dec 22	₹11,491
31 Dec 23	₹12,309
31 Dec 24	₹13,228

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	1.7%
6 Month	3.6%
1 Year	7.5%
3 Year	6.2%
5 Year	5.7%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	7.1%
2021	3.9%
2020	3.4%
2019	6.9%
2018	5.1%
2017	6.6%
2016	8.3%
2015	9.8%
2014	8.8%

Fund Manager information for L&T Low Duration Fund

Name	Since	Tenure
Shriram Ramanathan	24 Nov 12	12.11 Yr.
Mohd Asif Rizwi	16 Jan 24	0.96 Yr.

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

Asset Allocation

Asset Class	Value
Cash	26.91%
Debt	72.77%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	37.41%
Government	35.36%
Cash Equivalent	26.91%

Credit Quality

Rating	Value
AA	10.86%
AAA	89.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Finance Limited Debentures \| -	6%	₹27 Cr	250 ↑ 250
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹26 Cr	2,500
National Housing Bank Debentures \| -	6%	₹26 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	6%	₹26 Cr	250
Power Grid Corporation Of India Limited Debentures \| -	6%	₹26 Cr	250
Power Finance Corporation Ltd. Debentures \| -	6%	₹25 Cr	250
Export Import Bank Of India Debentures \| -	6%	₹25 Cr	250 ↑ 250
Indian Railway Finance Corporation Limited Debentures \| -	6%	₹25 Cr	2,500
Cholamandalam Investment And Finance Company Limited Debentures \| -	6%	₹24 Cr	230 ↑ 50
Shriram Finance Limited Debentures \| -	4%	₹16 Cr	1,500

6. 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 (06 Jan 25)	₹19.0971 ↑ 0.01 (0.06 %)
Net Assets (Cr)	₹5,505 on 30 Nov 24
Category	Debt - Low Duration
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	Not Rated
Risk	Moderately Low
Expense Ratio	0.62
Sharpe Ratio	1.9
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	1 Year 22 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,668
31 Dec 21	₹11,038
31 Dec 22	₹11,502
31 Dec 23	₹12,296
31 Dec 24	₹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	1.7%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.7%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.9%
2021	4.2%
2020	3.5%
2019	6.7%
2018	8.7%
2017	7.3%
2016	6.5%
2015	8.5%
2014

Fund Manager information for DSP BlackRock Low Duration Fund

Name	Since	Tenure
Karan Mundra	1 Mar 22	2.84 Yr.
Shalini Vasanta	1 Jun 23	1.59 Yr.

Data below for DSP BlackRock Low Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	22.94%
Debt	76.85%
Other	0.21%

Debt Sector Allocation

Sector	Value
Corporate	58.1%
Government	25.18%
Cash Equivalent	16.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Limited Debentures \| -	4%	₹226 Cr	2,250 ↑ 1,000
Small Industries Development Bank Of India Debentures \| -	3%	₹179 Cr	1,750
7.06% Govt Stock 2028 Sovereign Bonds \| -	3%	₹154 Cr	15,000,000 ↑ 2,000,000
Power Finance Corporation Ltd. Debentures \| -	2%	₹128 Cr	1,250
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	2%	₹117 Cr	129
08.28 KA Sdl 2026 Sovereign Bonds \| -	2%	₹104 Cr	10,000,000
LIC Housing Finance Ltd Debentures \| -	2%	₹102 Cr	1,000
Kotak Mahindra Prime Limited Debentures \| -	2%	₹101 Cr	1,000
182 DTB 24042025 Sovereign Bonds \| -	2%	₹98 Cr	10,000,000
Axis Bank Ltd. Debentures \| -	2%	₹97 Cr	2,000

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 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 (06 Jan 25)	₹3,784.85 ↑ 2.23 (0.06 %)
Net Assets (Cr)	₹2,460 on 15 Dec 24
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0
Sharpe Ratio	2.36
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.36%
Effective Maturity	11 Months 8 Days
Modified Duration	9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,748
31 Dec 21	₹11,138
31 Dec 22	₹11,592
31 Dec 23	₹12,387
31 Dec 24	₹13,306

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	1.7%
6 Month	3.6%
1 Year	7.4%
3 Year	6.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.9%
2021	4.1%
2020	3.6%
2019	7.5%
2018	2.2%
2017	7.5%
2016	6.9%
2015	8.5%
2014	8.6%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	10.59 Yr.
Abhishek Sonthalia	6 Feb 20	4.9 Yr.

Data below for Tata Treasury Advantage Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	50.12%
Debt	49.59%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	47.24%
Cash Equivalent	33.77%
Government	18.7%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹101 Cr	10,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	4%	₹97 Cr	9,500,000 ↑ 9,500,000
182 DTB 27022025 Sovereign Bonds \| -	3%	₹64 Cr	6,500,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹62 Cr	620
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 Housing Bank Debentures \| -	2%	₹50 Cr	5,000
06.69 MP Sdl 2025 Sovereign Bonds \| -	2%	₹50 Cr	5,000,000
Sundaram Finance Limited Debentures \| -	2%	₹50 Cr	500

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 (06 Jan 25)	₹3,605.13 ↑ 2.35 (0.07 %)
Net Assets (Cr)	₹9,369 on 30 Nov 24
Category	Debt - Low Duration
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.94
Sharpe Ratio	1.73
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.7%
Effective Maturity	1 Year 2 Months 9 Days
Modified Duration	10 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,728
31 Dec 21	₹11,167
31 Dec 22	₹11,632
31 Dec 23	₹12,416
31 Dec 24	₹13,335

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	0.5%
3 Month	1.8%
6 Month	3.7%
1 Year	7.4%
3 Year	6.1%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.7%
2021	4.2%
2020	4.1%
2019	7.3%
2018	7%
2017	7.4%
2016	6.6%
2015	8.5%
2014	8.4%

Fund Manager information for Nippon India Low Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	4.92 Yr.
Kinjal Desai	25 May 18	6.61 Yr.

Data below for Nippon India Low Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	39.26%
Debt	60.57%
Other	0.17%

Debt Sector Allocation

Sector	Value
Corporate	61.85%
Cash Equivalent	22.54%
Government	15.44%

Credit Quality

Rating	Value
AA	13.71%
AAA	86.29%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹245 Cr	24,500
Shriram Finance Limited Debentures \| -	2%	₹226 Cr	22,500 ↑ 12,500
Indinfravit Trust Debentures \| -	2%	₹174 Cr	18,000
Highways Infrastructure Trust Debentures \| -	2%	₹172 Cr	1,750
NAOMI 05 2024 Unlisted bonds \| -	2%	₹163 Cr	10,000
Bharti Telecom Limited 8.65% Debentures \| -	2%	₹161 Cr	16,000 ↓ -1,500
Rural Electrification Corporation Limited Debentures \| -	2%	₹160 Cr	16,000
Small Industries Development Bank Of India Debentures \| -	2%	₹156 Cr	15,500
India Grid Trust Debentures \| -	2%	₹151 Cr	15,000
Hinduja Leyland Finance Limited Debentures \| -	2%	₹150 Cr	15,000

9. 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 2024 was 7.4% , 2023 was 7% and 2022 was 4.1% .

Below is the key information for HDFC Low Duration Fund

HDFC Low Duration Fund Growth
Launch Date	18 Nov 99
NAV (06 Jan 25)	₹55.5796 ↑ 0.03 (0.05 %)
Net Assets (Cr)	₹18,497 on 30 Nov 24
Category	Debt - Low Duration
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.03
Sharpe Ratio	1.45
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	2 Years 7 Days
Modified Duration	10 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Dec 19	₹10,000
31 Dec 20	₹10,815
31 Dec 21	₹11,213
31 Dec 22	₹11,672
31 Dec 23	₹12,493
31 Dec 24	₹13,417

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	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.2%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.1%
2020	3.7%
2019	8.1%
2018	8%
2017	6.5%
2016	6.4%
2015	8.6%
2014	7.7%

Fund Manager information for HDFC Low Duration Fund

Name	Since	Tenure
Anupam Joshi	27 Oct 15	9.19 Yr.
Praveen Jain	6 Oct 22	2.24 Yr.
Dhruv Muchhal	22 Jun 23	1.53 Yr.

Data below for HDFC Low Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	12.95%
Debt	86.78%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	70.99%
Government	23.09%
Cash Equivalent	5.24%

Credit Quality

Rating	Value
AA	9.12%
AAA	90.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.93% Govt Stock 2033 Sovereign Bonds \| -	7%	₹1,284 Cr	125,000,000
7.98% Govt Stock 2031 Sovereign Bonds \| -	3%	₹506 Cr	50,000,000
7.3% Govt Stock 2028 Sovereign Bonds \| -	3%	₹502 Cr	50,000,000
Titan Company Limited Debentures \| -	3%	₹500 Cr	50,000
Hdb Financial Services Limited Debentures \| -	2%	₹450 Cr	45,000
Aditya Birla Renewables Limited Debentures \| -	2%	₹402 Cr	40,000 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹374 Cr	3,750
Power Finance Corporation Ltd. Debentures \| -	2%	₹324 Cr	32,500 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	3,000 ↑ 750
INDIA UNIVERSAL TRUST AL2 Unlisted bonds \| -	2%	₹278 Cr	277 ↑ 277

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