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SWP कॅल्क्युलेटर -- पद्धतशीर पैसे काढण्याची योजना कॅल्क्युलेटर

Updated on November 17, 2024 , 33934 views

SWP कॅल्क्युलेटर हे एक साधन आहे जे व्यक्तींना त्यांची SWP गुंतवणूक कार्यकाळात कशी असेल याची गणना करण्यात मदत करते. SWP किंवा सिस्टेमॅटिक विथड्रॉल प्लॅन हे युनिट्स किंवा गुंतवणुकीची पूर्तता करण्याचे तंत्र आहेम्युच्युअल फंड. SWP मध्ये, व्यक्ती त्यांचे पैसे म्युच्युअल फंड योजनेत गुंतवतात आणि नंतर दिलेल्या कालावधीत त्यांची गुंतवणूक काढून घेतात. SWP सामान्यतः अशा व्यक्तींसाठी योग्य आहे जे निश्चित शोधत आहेतउत्पन्न नियमित कार्यकाळात. लेख तुम्हाला सिस्टिमॅटिक विथड्रॉल प्लॅनची संकल्पना, SWP कॅल्क्युलेटर कसे कार्य करते आणि इतर संबंधित पॅरामीटर्सची संपूर्ण माहिती देतो.

म्युच्युअल फंडातील SWP चा अर्थ काय?

म्युच्युअल फंडातील पद्धतशीर पैसे काढण्याची योजना किंवा SWP म्हणजे म्युच्युअल फंड गुंतवणुकीच्या युनिट्सची पूर्तता करण्याची पद्धतशीर आणि नियोजित प्रक्रिया. SWP ची संकल्पना उलट पद्धतीने कार्य करतेSIP. SWP मध्ये, व्यक्ती म्युच्युअल फंड योजनांमध्ये एकरकमी रक्कम गुंतवतात ज्यात सामान्यतः कमी जोखीम-भूक असते, जसे कीलिक्विड फंड किंवा अल्ट्राअल्पकालीन निधी. त्यानंतर व्यक्ती नियमित अंतराने गुंतवलेली रक्कम काढू लागतात. व्यक्ती त्यांच्या आवश्यकतेनुसार मासिक, त्रैमासिक, वार्षिक आणि याप्रमाणे पैसे काढण्याची वारंवारता कस्टमाइझ करू शकतात. या प्रकरणात, म्युच्युअल फंडामध्ये गुंतवलेले पैसे देखील व्यक्तींना महसूल मिळवून देतात. व्यक्ती, विशेषत: सेवानिवृत्त, जे नियमित उत्पन्नाचा स्रोत शोधत आहेत ते पद्धतशीर पैसे काढण्याची योजना निवडू शकतात.म्युच्युअल फंडात गुंतवणूक.

SWP म्युच्युअल फंड कॅल्क्युलेटर

SWP कॅल्क्युलेटर व्यक्तींना दिलेल्या कालावधीत म्युच्युअल फंड गुंतवणुकीतील त्यांच्या पैसे काढण्याचा अंदाज लावण्यास मदत करते. SWP कॅल्क्युलेटरमध्ये प्रविष्ट करणे आवश्यक असलेल्या इनपुट डेटामध्ये हे समाविष्ट आहे:

SWP/पैसे काढण्याची रक्कम - हे ठराविक पैसे काढण्याच्या रकमेचा संदर्भ देते जी तुम्ही नियमित अंतराने काढण्याची योजना आखत आहात.
प्रारंभिक गुंतवणूक - सुरुवातीच्या गुंतवणुकीचा संदर्भ तुम्हाला म्युच्युअल फंड योजनेत गुंतवायची असलेली एकरकमी रक्कम असते.
पैसे काढण्याची वारंवारता - पैसे काढण्याची वारंवारता, तुम्ही तुमची गुंतवणूक काढू इच्छित असलेल्या कालावधीचा संदर्भ देते. हे एकतर मासिक, साप्ताहिक किंवा त्रैमासिक असू शकते. साधारणपणे गणना मासिकासाठी केली जाते.
परताव्याचा अपेक्षित दर - याचा अर्थ तुम्ही तुमच्या गुंतवणुकीवर अपेक्षित असलेला परतावा.

तर, SWP कॅल्क्युलेटरची संकल्पना उदाहरणासह तपशीलवार समजून घेऊ.

नमुना चित्रण

प्रारंभिक गुंतवणूक रक्कम - INR 1.20,000
SWP रक्कम - INR 10,000
पैसे काढण्याची मुदत - 12 महिने
अपेक्षित परतावा दर - 7%

SWP सारणीची गणना खालीलप्रमाणे दिली आहे.

महिना	महिन्याच्या सुरुवातीला शिल्लक (INR)	विमोचन रक्कम (INR)	मिळालेले व्याज (INR)	महिन्याच्या शेवटी शिल्लक (INR)
१	1,20,000	10,000	६४२	1,10,642
2	1,10,642	10,000	५८७	१,०१,२२९
3	१,०१,२२९	10,000	५३२	९१,७६१
4	९१,७६१	10,000	४७७	८२,२३८
५	८२,२३८	10,000	421	७२,६५९
6	७२,६५९	10,000	३६६	६३,०२५
७	६३,०२५	10,000	309	५३,३३४
8	५३,३३४	10,000	२५३	४३,५८७
९	४३,५८७	10,000	१९६	३३,७८३
10	३३,७८३	10,000	139	२३,९२१
11	२३,९२१	10,000	८१	14,003
१२	14,003	10,000	23	४,०२६

अशा प्रकारे, वरील तक्त्यावरून असे म्हणता येईल की SWP व्यवहाराद्वारे म्युच्युअल फंड योजनेचा नफा INR 4,026 आहे.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

पद्धतशीर पैसे काढण्याच्या योजनेचे फायदे

SWP चे काही प्रमुख फायदे खालीलप्रमाणे आहेत.

नियमित उत्पन्न प्रवाह

SWP चा एक प्राथमिक फायदा असा आहे की व्यक्ती नियमित उत्पन्नाचा स्रोत म्हणून पद्धतशीर पैसे काढण्याची योजना वापरू शकतात. कारण काढलेली रक्कम स्थिर राहते.

शिस्तबद्ध पैसे काढण्याची सवय

SWP व्यक्तींमध्ये शिस्तबद्ध पैसे काढण्याची सवय निर्माण करते कारण केवळ एक निश्चित रक्कम काढली जाते आणि उर्वरित पैसे म्युच्युअल फंडांमध्ये गुंतवले जातात. हे प्रतिबंधित करतेभांडवल गुंतवणुकीत घट. तसेच, म्युच्युअल फंडातील गुंतवणूक परतावा व्युत्पन्न करते.

पेन्शनचा पर्याय

सेवानिवृत्त व्यक्तींच्या बाबतीत SWP पेन्शनचा पर्याय म्हणून काम करते. निवृत्त व्यक्ती SWP द्वारे नियमित उत्पन्नाची खात्री देऊ शकतात.

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2022 साठी सर्वोत्तम SWP म्युच्युअल फंड

SWP सामान्यतः म्युच्युअल फंड योजनांमध्ये केले जाते ज्यात लिक्विड फंडासारख्या कमी पातळीचा धोका असतो. म्हणून, लिक्विड/अल्ट्राशॉर्ट श्रेणीतील काही सर्वोत्तम म्युच्युअल फंड योजना ज्यांची निव्वळ मालमत्ता पेक्षा जास्त आहे1000 कोटी खालील प्रमाणे खाली सूचीबद्ध आहेत.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹522.841 ↑ 0.11	₹15,098	2	3.8	7.8	6.4	7.2	7.78%	5M 19D	7M 24D
ICICI Prudential Ultra Short Term Fund Growth	₹26.4787 ↑ 0.00	₹14,206	1.8	3.6	7.5	6.2	6.9	7.53%	5M 1D	5M 16D
SBI Magnum Ultra Short Duration Fund Growth	₹5,715.35 ↑ 1.17	₹11,751	1.8	3.7	7.5	6.1	7	7.42%	5M 5D	10M 13D
BOI AXA Liquid Fund Growth	₹2,882.41 ↑ 0.54	₹1,848	1.8	3.6	7.5	6.3	7	6.86%	1M 28D	1M 24D
Invesco India Ultra Short Term Fund Growth	₹2,579.75 ↑ 0.51	₹1,265	1.8	3.6	7.4	5.9	6.6	7.47%	5M 13D	5M 28D
LIC MF Liquid Fund Growth	₹4,528.18 ↑ 0.86	₹10,697	1.8	3.6	7.4	6.2	7	6.99%	1M 4D	1M 4D
Axis Liquid Fund Growth	₹2,786.31 ↑ 0.53	₹34,316	1.8	3.6	7.4	6.3	7.1	7.19%	1M 29D	1M 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Nov 24

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (19 Nov 24)	₹522.841 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹15,098 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.85
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.78%
Effective Maturity	7 Months 24 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,725
31 Oct 21	₹11,155
31 Oct 22	₹11,636
31 Oct 23	₹12,469
31 Oct 24	₹13,431

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 19 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	3.8%
1 Year	7.8%
3 Year	6.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.38 Yr.
Kaustubh Gupta	15 Jul 11	13.31 Yr.
Monika Gandhi	22 Mar 21	3.62 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	36.98%
Debt	62.73%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	66.63%
Cash Equivalent	21.1%
Government	11.99%

Credit Quality

Rating	Value
AA	30.91%
AAA	69.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	6%	₹820 Cr	82,000
Shriram Finance Company Limited Debentures \| -	4%	₹601 Cr	60,000 ↑ 10,000
Nirma Limited Debentures \| -	4%	₹501 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹401 Cr	40,000 ↓ -10,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	3%	₹360 Cr	36,000
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
Govt Stock 04102028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000 ↑ 2,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000
Nirma Limited 8.3% Debentures \| -	2%	₹250 Cr	25,000

2. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (19 Nov 24)	₹26.4787 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹14,206 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.73
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	7.53%
Effective Maturity	5 Months 16 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,702
31 Oct 21	₹11,141
31 Oct 22	₹11,593
31 Oct 23	₹12,398
31 Oct 24	₹13,320

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 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.5%
3 Year	6.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	7.97 Yr.
Ritesh Lunawat	15 Jun 17	7.39 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	53.59%
Debt	46.16%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	60.64%
Cash Equivalent	25.32%
Government	13.04%
Securitized	0.74%

Credit Quality

Rating	Value
AA	12.82%
AAA	87.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹392 Cr	40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹390 Cr	40,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹372 Cr	3,750
LIC Housing Finance Limited Debentures \| -	2%	₹335 Cr	3,350 ↑ 2,350
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹298 Cr	3,000
India (Republic of) - \| -	2%	₹297 Cr	30,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹293 Cr	6,000
Indusind Bank Ltd. Debentures \| -	2%	₹245 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹235 Cr	2,350

3. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% .

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

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (19 Nov 24)	₹5,715.35 ↑ 1.17 (0.02 %)
Net Assets (Cr)	₹11,751 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.47
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	10 Months 13 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,625
31 Oct 21	₹10,983
31 Oct 22	₹11,412
31 Oct 23	₹12,210
31 Oct 24	₹13,117

SBI Magnum Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.5%
3 Year	6.1%
5 Year	5.6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%
2015	8.3%
2014	9%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Arun R.	1 Jun 21	3.42 Yr.
Ardhendu Bhattacharya	1 Dec 23	0.92 Yr.
Pradeep Kesavan	1 Dec 23	0.92 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	46.73%
Debt	53.02%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	46.73%
Corporate	28.98%
Government	24.04%

Credit Quality

Rating	Value
AA	0.72%
AAA	99.28%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	10%	₹1,132 Cr	112,500,000 ↑ 112,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹621 Cr	6,250 ↑ 1,500
LIC Housing Finance Ltd Debentures \| -	4%	₹495 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹419 Cr	4,250
Power Finance Corporation Limited Debentures \| -	3%	₹384 Cr	3,850
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
Larsen & Toubro Ltd. Debentures \| -	3%	₹300 Cr	30,000
Rec Limited Debentures \| -	2%	₹240 Cr	2,450
Tata Capital Housing Finance Limited Debentures \| -	2%	₹220 Cr	2,200
08.18 HR UDAY 2025 Domestic Bonds \| -	2%	₹212 Cr	21,000,000

4. BOI AXA Liquid Fund

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

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

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (20 Nov 24)	₹2,882.41 ↑ 0.54 (0.02 %)
Net Assets (Cr)	₹1,848 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	5.42
Information Ratio	-1.39
Alpha Ratio	-0.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.86%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,445
31 Oct 21	₹10,774
31 Oct 22	₹11,247
31 Oct 23	₹12,032
31 Oct 24	₹12,930

BOI AXA Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.5%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	94.44%
Government	5.37%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivables / (Payables) Net Current Assets \| -	7%	-₹123 Cr
India (Republic of) - \| -	5%	₹99 Cr	10,000,000
ICICI Bank Ltd. Debentures \| -	5%	₹98 Cr	10,000,000 ↑ 10,000,000
Repo CBLO/Reverse Repo \| -	5%	₹95 Cr
Canara Bank (06/12/2024) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
91 DTB 03012025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Small Industries Dev Bank Of India (10/01/2025) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
182 DTB 01112024 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Reliance Retail Ventures Limited (12/11/2024) Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
Bajaj Financial Securities Limited (19/11/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000

5. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% .

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

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (19 Nov 24)	₹2,579.75 ↑ 0.51 (0.02 %)
Net Assets (Cr)	₹1,265 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.88
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	5 Months 28 Days
Modified Duration	5 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,543
31 Oct 21	₹10,859
31 Oct 22	₹11,248
31 Oct 23	₹11,997
31 Oct 24	₹12,883

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 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	5.9%
5 Year	5.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.3%
2014	10.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	4.83 Yr.
Vikas Garg	27 Jul 21	3.27 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	58.17%
Debt	41.65%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	56.9%
Cash Equivalent	35.06%
Government	7.86%

Credit Quality

Rating	Value
AA	20.69%
AAA	79.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 03012025 Sovereign Bonds \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
Larsen & Toubro Ltd. 7.58% Debentures \| -	3%	₹35 Cr	3,500,000 ↑ 3,500,000
Export Import Bank Of India Debentures \| -	3%	₹30 Cr	3,000,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
TATA Steel Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹25 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000

6. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (19 Nov 24)	₹4,528.18 ↑ 0.86 (0.02 %)
Net Assets (Cr)	₹10,697 on 15 Nov 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	4.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	1 Month 4 Days
Modified Duration	1 Month 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,466
31 Oct 21	₹10,796
31 Oct 22	₹11,252
31 Oct 23	₹12,023
31 Oct 24	₹12,915

LIC MF Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for LIC MF Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.7%
2021	3.3%
2020	4.3%
2019	6.5%
2018	7.3%
2017	6.6%
2016	7.6%
2015	8.4%
2014	9%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	9.08 Yr.

Data below for LIC MF Liquid Fund as on 15 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.42%
Corporate	30.18%
Government	4.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 28112024 Sovereign Bonds \| -	4%	₹398 Cr	40,000,000
State Bank Of India Certificate of Deposit \| -	4%	₹397 Cr	8,000
India (Republic of) - \| -	4%	₹394 Cr	40,000,000 ↑ 40,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹348 Cr	7,000
Treps CBLO/Reverse Repo \| -	3%	₹319 Cr
91 DTB 07112024 Sovereign Bonds \| -	3%	₹300 Cr	30,000,000
91 Day T-Bill 15.11.24 Sovereign Bonds \| -	3%	₹299 Cr	30,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹298 Cr	6,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹297 Cr	5,960 ↑ 5,960
Motilal Oswal Financial Services Limited Commercial Paper \| -	3%	₹284 Cr	5,700

7. Axis Liquid Fund

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

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

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (19 Nov 24)	₹2,786.31 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹34,316 on 15 Nov 24
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	3.72
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.19%
Effective Maturity	1 Month 29 Days
Modified Duration	1 Month 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,466
31 Oct 21	₹10,799
31 Oct 22	₹11,269
31 Oct 23	₹12,054
31 Oct 24	₹12,947

Axis Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Axis Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12 Yr.
Aditya Pagaria	13 Aug 16	8.22 Yr.
Sachin Jain	3 Jul 23	1.33 Yr.

Data below for Axis Liquid Fund as on 15 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.78%
Debt	0%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.49%
Corporate	30.85%
Government	1.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 01112024 Sovereign Bonds \| -	5%	₹1,715 Cr	172,000,000 ↑ 35,000,000
91 DTB 21112024 Sovereign Bonds \| -	3%	₹1,168 Cr	117,500,000 ↑ 500,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹989 Cr	20,000
State Bank Of India Certificate of Deposit \| -	3%	₹986 Cr	20,000 ↑ 20,000
Export-Import Bank Of India Commercial Paper \| -	3%	₹966 Cr	19,500
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹895 Cr	18,000 ↑ 1,000
91 DTB 07112024 Sovereign Bonds \| -	2%	₹862 Cr	86,500,000
Reliance Jio Infocomm Limited Commercial Paper \| -	2%	₹744 Cr	15,000
IDFC First Bank Limited Certificate of Deposit \| -	2%	₹744 Cr	15,000
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	2%	₹733 Cr

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.