Table of Contents

आवर्ती ठेव (RD)
आरडी खाते: वैशिष्ट्ये
RD व्याज दर
आरडी कॅल्क्युलेटर
आरडी व्याज कॅल्क्युलेटर
निष्कर्ष
तत्सम पर्याय
- लिक्विड/अल्ट्रा शॉर्ट डेट म्युच्युअल फंड
Top 6 Debt - Ultrashort Bond Funds

आवर्ती ठेव (RD) म्हणजे काय?

Updated on March 30, 2025 , 60380 views

जर तुम्हाला माहित असेल की कसे एक पद्धतशीरगुंतवणूक योजना (SIP) चाम्युच्युअल फंड कार्य करते, तर तुम्हाला आवर्ती ठेवी सहज समजतील! आवर्ती ठेव (RD) मध्ये दरमहा एक निश्चित हप्ता केला जातो आणि व्याज दिले जातेबँक या रकमेवर. आरडी खात्याबद्दल अधिक समजून घेऊया,RD व्याज दर,आरडी कॅल्क्युलेटर, RD व्याज कॅल्क्युलेटर इ.

आवर्ती ठेव (RD)

आवर्ती ठेव हा एक गुंतवणुकीसह बचत पर्याय आहे ज्यांना ठराविक कालावधीत नियमितपणे बचत करायची आहे आणि उच्च व्याज दर मिळवायचा आहे. दर महिन्याला, एक निश्चित रक्कम एकतर मधून वजा केली जातेबचत खाते किंवा चालू खाते. मॅच्युरिटी कालावधीच्या शेवटी, गुंतवणूकदारांना त्यांच्या गुंतवलेल्या निधीची परतफेड केली जातेजमा व्याज.

सार्वजनिक क्षेत्रातील बँकेत, आरडी खाते किमान INR 100 पेक्षा कमी रकमेने उघडले जाऊ शकते. खाजगी क्षेत्रातील बँकांमध्ये जमा करणे आवश्यक असलेली किमान रक्कम INR 500 ते INR 1000 आहे, तरपोस्ट ऑफिस एखादी व्यक्ती फक्त INR 10 मध्ये खाते उघडू शकते. काही बँकांची कमाल मर्यादा INR 15 लाख आहे, तर इतरांकडे अशी कोणतीही कमाल मर्यादा नाही. आवर्ती ठेवीची मुदत किमान तीन महिने आणि कमाल 10 वर्षे आहे.

आरडी खाते: वैशिष्ट्ये

त्यातून लोकांमध्ये बचतीची सवय लागते
आवर्ती ठेवीमध्ये व्याजाचा दर जास्त असतो
RD योजना कोणत्याही गोष्टीची पर्वा न करता स्थिर आणि सुरक्षित गुंतवणूक पर्याय प्रदान करतातबाजार चढउतार
गुंतवणूकदार त्यांचे आरडी खाते मॅच्युरिटी कालावधीपूर्वी बंद करू शकतात. परंतु, मुदतपूर्व पैसे काढताना, बँकेवर अवलंबून गुंतवणूकदारांना दंडाच्या स्वरूपात काही रक्कम भरावी लागू शकते.
गुंतवणुकदार आवर्ती ठेवींच्या विरूद्ध 60-90% पर्यंत कर्जाची निवड करू शकतात
बँक सहा चुकलेल्या हप्त्यांवर खाते बंद करू शकते. परंतु, जर थकबाकीची रक्कम शेवटच्या महिन्यापासून एका महिन्याच्या आत भरली गेलीडीफॉल्ट, ते पुनरुज्जीवित केले जाऊ शकते.
आवर्ती ठेवी नामांकनासह येतातसुविधा
आवर्ती ठेवींमध्ये TDS (स्रोतावर कर वजा) नाही. व्याजाचा भाग करपात्र आहे आणि त्यात जोडला जाईलगुंतवणूकदारच्याउत्पन्न आणि संबंधित स्लॅबनुसार कर आकारला जातो.

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RD व्याज दर

भारतातील जवळपास सर्व प्रमुख बँका आवर्ती ठेव खाते ऑफर करतात. प्रत्येक बँकेतील व्याज दर भिन्न असू शकतो, परंतु तो सामान्यतः दरम्यान असतो7% ते 9.25% p.a, आणि पोस्ट ऑफिसमध्ये ते आहे७.४% (बाजारातील प्रचलित स्थितीवर अवलंबून). ज्येष्ठ नागरिकांना मिळते०.५% अतिरिक्त व्याजदर, एकदा ठरवले की कार्यकाळात बदलत नाही. ज्या गुंतवणूकदारांना एका वेळी एकापेक्षा जास्त हप्ते भरायचे आहेत, ते असे करू शकतात.

आरडी कॅल्क्युलेटर

रिकरिंग डिपॉझिट कॅल्क्युलेटर हा RD वर मॅच्युरिटी रक्कम मोजण्याचा एक चांगला मार्ग आहे. मॅच्युरिटीवर तुमच्या आरडी रकमेचा अंदाज घेण्यासाठी तुम्ही या पद्धतीचा अवलंब करू शकता.

आरडी कॅल्क्युलेटर	INR
मासिक ठेव रक्कम	200
महिन्यात आर.डी	60
व्याज दर	८%
व्याजकंपाउंडिंग वारंवारता	मासिक
RD परिपक्वता रक्कम	INR 1,47,933

आरडी व्याज कॅल्क्युलेटर

आरडी इंटरेस्ट कॅल्क्युलेटरच्या मदतीने ग्राहक त्यांची क्षमता ठरवू शकतातकमाई. तुम्हाला मासिक गुंतवणूक करायची असलेली रक्कम आणि गुंतवणुकीचा कालावधी (खाली उदाहरण दिलेले आहे) ठरवावे लागेल.

आरडी व्याज कॅल्क्युलेटर
रक्कम	INR 1000
व्याज दर	8% प्रतिवर्ष
कालावधी	12 महिने

सारांश- एकूण भरलेली रक्कम-INR 12,000 एकूण परिपक्वता रक्कम-INR 12,530 एकूण मिळण्यायोग्य व्याज-INR 530

निष्कर्ष

आवर्ती ठेव व्यक्तींना नियमित बचत करण्याची सवय लावण्यास मदत करते. तुम्ही आतापर्यंत कोणतीही गुंतवणूक केली नसेल, तर आवर्ती ठेवीपासून सुरुवात करा. तसेच, आपत्कालीन निधी किंवा आकस्मिक निधी तयार करण्यासाठी हा एक चांगला मार्ग आहे. तुमच्या अल्प मुदतीसाठी आणि दीर्घ मुदतीसाठी दरमहा थोडेसे पैसे वाचवण्याचा हा एक आदर्श मार्ग आहेआर्थिक उद्दिष्टे.

आज आवर्ती ठेव खाते उघडा आणि उद्यासाठी बचत करा!

तत्सम पर्याय

म्युच्युअल फंडामध्ये एखादी व्यक्ती RD च्या पेक्षा जास्त पैसे कमवू शकतेगुंतवणूक लिक्विड किंवा अल्ट्रा शॉर्टमध्येबंधन 30 दिवसांपासून ते वर्ष किंवा त्यापेक्षा जास्त दिवसांपर्यंत परिपक्व होणाऱ्या सिक्युरिटीजमध्ये गुंतवणूक करतात.

लिक्विड/अल्ट्रा शॉर्ट डेट म्युच्युअल फंड

1. Aditya Birla Sun Life Savings Fund

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

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (31 Mar 25)	₹537.333 ↑ 0.32 (0.06 %)
Net Assets (Cr)	₹14,988 on 28 Feb 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.52
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.84%
Effective Maturity	7 Months 20 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,634
31 Mar 22	₹11,077
31 Mar 23	₹11,676
31 Mar 24	₹12,543
31 Mar 25	₹13,517

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 31 Mar 25

Duration	Returns
1 Month	0.8%
3 Month	1.9%
6 Month	3.9%
1 Year	7.8%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.7 Yr.
Kaustubh Gupta	15 Jul 11	13.64 Yr.
Monika Gandhi	22 Mar 21	3.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	40.5%
Debt	59.18%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	69.04%
Cash Equivalent	24.5%
Government	6.14%

Credit Quality

Rating	Value
AA	33.14%
AAA	66.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Company Limited Debentures \| -	4%	₹603 Cr	60,000
Nirma Limited Debentures \| -	3%	₹485 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹471 Cr	47,500,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹340 Cr	35,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹305 Cr	30,500
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹299 Cr	30,000
Axis Bank Ltd. Debentures \| -	2%	₹279 Cr	6,000 ↑ 6,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹270 Cr	27,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹250 Cr	25,000 ↓ -5,000

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

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

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (31 Mar 25)	₹27.1758 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹13,017 on 15 Mar 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.8
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	7.74%
Effective Maturity	7 Months 6 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,589
31 Mar 22	₹11,009
31 Mar 23	₹11,594
31 Mar 24	₹12,428
31 Mar 25	₹13,344

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 31 Mar 25

Duration	Returns
1 Month	0.8%
3 Month	1.9%
6 Month	3.6%
1 Year	7.4%
3 Year	6.6%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.3 Yr.
Ritesh Lunawat	15 Jun 17	7.72 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	45.31%
Debt	54.4%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	56.83%
Cash Equivalent	24.3%
Government	18.59%

Credit Quality

Rating	Value
AA	20.39%
AAA	79.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹583 Cr	58,000,000 ↑ 10,000,000
India (Republic of) - \| -	4%	₹484 Cr	50,000,000 ↑ 50,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹434 Cr	4,350
Bharti Telecom Limited Debentures \| -	3%	₹351 Cr	35,000 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹304 Cr	30,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹299 Cr	3,000
Small Industries Development Bank Of India Debentures \| -	2%	₹299 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹249 Cr	2,500
LIC Housing Finance Limited Debentures \| -	2%	₹225 Cr	2,250 ↓ -500
Oberoi Realty Ltd. Debentures \| -	2%	₹200 Cr	20,000

3. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (31 Mar 25)	₹3,956.46 ↑ 2.16 (0.05 %)
Net Assets (Cr)	₹7,545 on 28 Feb 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	0.98
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	7 Months 1 Day
Modified Duration	5 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,494
31 Mar 22	₹11,303
31 Mar 23	₹11,890
31 Mar 24	₹12,714
31 Mar 25	₹13,630

Nippon India Ultra Short Duration Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 25

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.6%
1 Year	7.2%
3 Year	6.4%
5 Year	6.4%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.42 Yr.
Kinjal Desai	25 May 18	6.77 Yr.
Akshay Sharma	1 Dec 22	2.25 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	51.91%
Debt	47.8%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	51.73%
Cash Equivalent	36.55%
Government	11.44%

Credit Quality

Rating	Value
AA	19.13%
AAA	80.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹309 Cr	3,100
India (Republic of) - \| -	3%	₹242 Cr	25,000,000 ↑ 25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹241 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹199 Cr	2,000
Indinfravit Trust Debentures \| -	3%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹182 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹166 Cr	16,500
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
Canara Bank Domestic Bonds \| -	2%	₹140 Cr	3,000 ↑ 3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500

4. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (31 Mar 25)	₹3,347.39 ↑ 1.65 (0.05 %)
Net Assets (Cr)	₹2,902 on 28 Feb 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	-0.17
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,414
31 Mar 22	₹10,733
31 Mar 23	₹11,251
31 Mar 24	₹12,023
31 Mar 25	₹12,882

DSP BlackRock Money Manager 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 Money Manager 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 Mar 25

Duration	Returns
1 Month	0.8%
3 Month	2%
6 Month	3.6%
1 Year	7.1%
3 Year	6.3%
5 Year	5.2%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%
2015	7.9%

Fund Manager information for DSP BlackRock Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	3.75 Yr.
Shalini Vasanta	1 Jan 25	0.16 Yr.

Data below for DSP BlackRock Money Manager Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	68.21%
Debt	31.37%
Other	0.43%

Debt Sector Allocation

Sector	Value
Corporate	52.3%
Cash Equivalent	37.82%
Government	9.44%

Credit Quality

Rating	Value
AA	5.7%
AAA	94.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	5%	₹156 Cr	1,500
91 DTB 10042025 Sovereign Bonds \| -	3%	₹100 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹79 Cr	750
Small Industries Development Bank Of India Debentures \| -	2%	₹78 Cr	750
182 Days Tbill (Md 01/05/2025) Sovereign Bonds \| -	2%	₹74 Cr	7,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹70 Cr	1,500 ↑ 1,500
182 DTB 31072025 Sovereign Bonds \| -	2%	₹63 Cr	6,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹61 Cr	500
National Housing Bank Debentures \| -	2%	₹54 Cr	5,000
Tata Capital Limited Debentures \| -	2%	₹53 Cr	500

5. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

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

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

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (31 Mar 25)	₹42.0972 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹12,726 on 28 Feb 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.63%
Effective Maturity	6 Months 7 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,510
31 Mar 22	₹10,871
31 Mar 23	₹11,437
31 Mar 24	₹12,236
31 Mar 25	₹13,117

Kotak Savings Fund SIP Returns

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

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 25

Duration	Returns
1 Month	0.8%
3 Month	1.8%
6 Month	3.6%
1 Year	7.2%
3 Year	6.5%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	16.89 Yr.
Manu Sharma	1 Nov 22	2.33 Yr.

Data below for Kotak Savings Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	59.38%
Debt	40.3%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	59.06%
Cash Equivalent	24.21%
Government	16.42%

Credit Quality

Rating	Value
AA	9.91%
AAA	90.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹495 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹474 Cr	47,500
Mankind Pharma Ltd Debentures \| -	2%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹229 Cr	2,300
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
08.49 Tn SDL 2026 Sovereign Bonds \| -	2%	₹204 Cr	20,080,000
Vedanta Limited Debentures \| -	2%	₹199 Cr	20,000
Axis Bank Ltd. Debentures \| -	1%	₹186 Cr	20,000 ↑ 20,000
Small Industries Development Bank of India Debentures \| -	1%	₹186 Cr	20,000 ↑ 20,000

6. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (31 Mar 25)	₹4,164.32 ↑ 2.16 (0.05 %)
Net Assets (Cr)	₹3,385 on 28 Feb 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	4 Months 22 Days
Modified Duration	4 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,498
31 Mar 22	₹11,148
31 Mar 23	₹11,703
31 Mar 24	₹12,516
31 Mar 25	₹13,414

UTI Ultra Short Term 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 UTI 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 31 Mar 25

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.5%
1 Year	7.2%
3 Year	6.4%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.19 Yr.

Data below for UTI Ultra Short Term Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	62.89%
Debt	36.86%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	51.62%
Cash Equivalent	38.62%
Government	9.52%

Credit Quality

Rating	Value
AA	20.97%
AAA	79.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	3%	₹97 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Shriram Transport Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000
India Grid TRust Debentures \| -	2%	₹50 Cr	500
Small Industries Development Bank Of India Debentures \| -	2%	₹50 Cr	500 ↑ 500
HDFC Bank Limited Debentures \| -	2%	₹50 Cr	5,000
Avanse Financial Services Limited Debentures \| -	2%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

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.