Table of Contents

आवर्ती ठेव (RD)
मुदत ठेव (FD)
आवर्ती ठेव VS मुदत ठेव
आवर्ती ठेव VS मुदत ठेव: अधिक कमाई कुठे करायची?
इतर पर्याय
- लिक्विड/अल्ट्रा शॉर्ट डेट म्युच्युअल फंड
Top 10 Funds

आवर्ती ठेव वि मुदत ठेव: कोणते चांगले आहे?

Updated on November 18, 2024 , 9734 views

आवर्ती ठेव मुदत ठेव वि? आपले पैसे कुठे वाचवायचे याचा विचार करत आहात? बरं, अनेक वेळा, गुंतवणूकदार आवर्ती ठेव (RD) किंवा मुदत ठेव (फिक्स्ड डिपॉझिट) मध्ये गुंतवणूक करावी की नाही याचा गोंधळ होतो.एफडी). जरी त्या सर्वात लोकप्रिय बचत योजना आहेत, विशेषत: जोखीम-प्रतिरोधक गुंतवणूकदारांमध्ये, हे समजून घेणे महत्त्वाचे आहे की आरडी आणि एफडी एकमेकांपासून कसे वेगळे आहेत आणि कोणते चांगले आहे.गुंतवणूक पर्याय.

आवर्ती ठेव (RD)

आरडी हे एआर्थिक साधन प्रामुख्याने बचतीला प्रोत्साहन देण्याच्या दिशेने निर्देशित केले आहे. या योजनेत, गुंतवणूकदारांना दर महिन्याला एक विशिष्ट रक्कम वाचवण्याची लवचिकता आहेबँकच्या किंवा वित्तीय संस्थेचे RD खाते पूर्वनिश्चित कालावधीसाठी आणि या रकमेवर व्याज मिळवा. मुदतपूर्तीच्या वेळी, मूळ रकमेसह व्याज दिले जाते.

मुदत ठेव (FD)

फिक्स्ड डिपॉझिट्स हे बँकांद्वारे निश्चित पूर्वनिर्धारित कालावधीसाठी प्रदान केलेल्या आर्थिक साधनांचा एक प्रकार आहे आणिनिश्चित व्याजदर. या योजनेत, FD खाते तयार करताना एकदा निश्चित रक्कम जमा केली जाते. कार्यकाळाच्या शेवटी, निवडलेल्या कालावधीसाठी व्याजाची रक्कम मूळ रकमेसह मोजली जाते आणि एकूण रक्कम एकत्रितपणे दिली जाते.

आवर्ती ठेव VS मुदत ठेव

पॅरामीटर्स	आवर्ती ठेव (RD)	मुदत ठेव (FD)
कार्यकाळ	आरडीचा कार्यकाळ साधारणपणे 6 महिने ते 10 वर्षांपर्यंत बदलतो	एफडी योजनेचा कालावधी 7 दिवस ते 10 वर्षांपर्यंत असतो
व्याज गणना	कंपाउंडिंग व्याज साधारणपणे प्रत्येक तिमाहीत आरडी योजनेसाठी येते	FD मध्ये, दरवर्षी जमा झालेल्या व्याजावर चक्रवाढ व्याज मोजले जाते
पात्रता	सर्व निवासी भारतीय आणि हिंदू अविभक्त कुटुंबे (HUF) आरडी खाते उघडण्यास पात्र आहेत. हे खाते अल्पवयीन मुलांसाठी त्यांचे पालक किंवा कायदेशीर पालक देखील उघडू शकतात	सर्व निवासी भारतीय आणि हिंदू अविभक्त कुटुंबे (HUFs) मुदत ठेव खाते उघडण्यास पात्र आहेत
कर लाभ	या योजनेत कोणताही कर लाभ दिला जात नाही	मुदत ठेवीसाठी, अंतर्गत कर सूटकलम 80C च्याआयकर कायदा 1961 लागू आहे. हे 5 वर्षांपेक्षा जास्त ठेवींसाठी लागू आहे (सध्याच्या कायद्यानुसार)
परताव्याचा दर	व्याज दर FD प्रमाणेच असतो परंतु सामान्यतः कालावधी आणि मासिक गुंतवणूक रकमेवर अवलंबून असतो	व्याज दर RD प्रमाणेच आहे परंतु त्यावर अवलंबून आहेभांडवल आणि कार्यकाळ निवडला
अतिरिक्त फायदे	बहुतेक बँका ठेव मूल्याच्या 90% पर्यंत कर्ज देतात	बहुतेक बँका ठेव मूल्याच्या 70%-90% पर्यंत कर्ज देतात.
पैसे काढणे	काही प्रकरणांमध्ये, दंडाशिवाय मुदतपूर्व पैसे काढण्याची परवानगी दिली जाते. काही बँका दंड आकारू शकतात	दंडासह मुदतपूर्व पैसे काढण्याची परवानगी आहे
उत्पन्न व्याज	RD वर मिळणारे व्याज करपात्र असते आणि बहुतेक बँका TDS कापतात	FD वर मिळणारे व्याज करपात्र असते आणि बहुतेक बँका TDS कापतात

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आवर्ती ठेव VS मुदत ठेव: अधिक कमाई कुठे करायची?

जोखीम-प्रतिरोधक गुंतवणूकदारांसाठी आरडी आणि एफडी दोन्ही योग्य असल्याने, अंतिम निवड एखाद्याच्या गरजांवर अवलंबून असते. एफडी खात्यामध्ये, जमा केलेल्या प्रारंभिक एकरकमीवर व्याज चक्रवाढ होते. संपूर्ण जमा रकमेवर एका वर्षासाठी व्याज मिळते. तथापि, RD मध्ये, फक्त 1ल्या ठेवीवर पहिल्या वर्षासाठी, म्हणजे 12 महिन्यांसाठी व्याज मिळते. दुसऱ्या ठेवीवर 11 महिन्यांसाठी, तिसऱ्या ठेवीवर 10 महिन्यांसाठी व्याज मिळते, इ. चक्रवाढ प्रभाव मुदत ठेवींना गुंतवणूकदारांना जास्त परतावा देण्यास सक्षम करतो.

जरी कालांतराने, एखादी व्यक्ती मुदत ठेवीसह अधिक पैसे कमवू शकते (खाली उदाहरण दिलेले आहे), परंतु त्यात आवर्ती ठेव खात्याची लवचिकता नाही जी दरमहा लहान रक्कम जमा करण्यास सक्षम आहे. त्यामुळे, ज्यांच्याकडे गुंतवणूक करण्यासाठी एकरकमी रक्कम नाही ते मासिक गुंतवणुकीला प्राधान्य देऊ शकतात.

चांगल्या प्रकारे समजून घेण्यासाठी, आम्ही दोन्ही योजनांमधील फरक स्पष्ट केला आहे. त्यामुळे वापरकर्ते स्पष्टपणे समजू शकतात आणि चांगले निवडू शकतात.

चित्रण:

समजा तुम्ही गुंतवणूक कराINR 1000 (एक वर्षासाठी मासिक) आवर्ती ठेवीमध्ये आणि तुम्ही एकरकमी गुंतवणूक केली आहेINR 12,000 वर्षाच्या सुरुवातीला मुदत ठेवीमध्ये. ही दोन्ही उत्पादने तुम्हाला तिमाहीत 9 टक्के चक्रवाढ व्याज देतात. तर, दकमाई या दोन योजनांमधून खालीलप्रमाणे-

विशेष	आवर्ती ठेव (RD)	मुदत ठेव (FD)
गुंतवणूक केलेली रक्कम	INR 5,000 (मासिक)	INR 60,000 (एकरकमी)
कार्यकाळ	12 महिने	12 महिने
वार्षिक व्याजदर	६%	६%
एकूण कमावलेली रक्कम	INR ६१,९८६	INR 63,701
निव्वळ नफा	INR 1,986	INR 3,701

आता जेव्हा तुम्हाला RD आणि FD मधील मुख्य फरक माहित असेल तेव्हा तुम्ही एक निवडू शकता आणि हुशारीने गुंतवणूक करू शकता. जरी FD RD च्या तुलनेने चांगली वाढ देते, बहुतेक वेळा, एका साधनासाठी तुमच्या सर्व गरजा पूर्ण करणे व्यवहार्य नसते. त्यामुळे, जेव्हा तुमच्याकडे गुंतवणुकीसाठी एकरकमी रक्कम नसते, तेव्हा तुम्ही तुमच्या उत्पन्नातून दरमहा एक छोटी रक्कम वाचवू शकता आणि आवर्ती ठेवीमध्ये गुंतवणूक करू शकता!

इतर पर्याय

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 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. 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 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% .

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 (19 Nov 24)	₹3,856.53 ↑ 0.72 (0.02 %)
Net Assets (Cr)	₹8,313 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	0.54
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	6 Months 17 Days
Modified Duration	5 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,511
31 Oct 21	₹11,363
31 Oct 22	₹11,837
31 Oct 23	₹12,634
31 Oct 24	₹13,540

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 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.2%
3 Year	6.1%
5 Year	6.2%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.4%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.09 Yr.
Kinjal Desai	25 May 18	6.44 Yr.
Akshay Sharma	1 Dec 22	1.92 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	59.39%
Debt	40.41%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	59.39%
Corporate	31.4%
Government	9.01%

Credit Quality

Rating	Value
AA	13.94%
AAA	86.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
191 DTB 12/12/2024 Sovereign Bonds \| -	4%	₹347 Cr	35,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	4%	₹285 Cr	29,000,000 ↑ 29,000,000
PNb Housing Finance Limited Debentures \| -	3%	₹225 Cr	22,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹199 Cr	2,000
Can Fin Homes Limited Debentures \| -	3%	₹199 Cr	2,000
Indinfravit Trust Debentures \| -	2%	₹189 Cr	19,500
Rec Limited Debentures \| -	2%	₹182 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	1%	₹100 Cr	10,000
Piramal Capital & Housing Finance Ltd Debentures \| -	1%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	1%	₹99 Cr	1,000

3. 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 2023 was 6.7% , 2022 was 4.2% and 2021 was 6.1% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (19 Nov 24)	₹4,060.7 ↑ 0.81 (0.02 %)
Net Assets (Cr)	₹3,046 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.63%
Effective Maturity	5 Months 7 Days
Modified Duration	4 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,551
31 Oct 21	₹11,214
31 Oct 22	₹11,627
31 Oct 23	₹12,410
31 Oct 24	₹13,303

UTI 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 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 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.2%
3 Year	5.9%
5 Year	5.9%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.8%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Ritesh Nambiar	1 Jul 15	9.35 Yr.

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

Asset Allocation

Asset Class	Value
Cash	63.31%
Debt	36.5%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	63.31%
Corporate	29.98%
Government	6.52%

Credit Quality

Rating	Value
AA	21.99%
AAA	78.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹149 Cr	1,500
Bajaj Housing Finance Limited Debentures \| -	3%	₹100 Cr	1,000
HDFC Bank Limited Debentures \| -	2%	₹75 Cr	7,500
Shriram Transport Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000
Bharti Telecom Limited Debentures \| -	2%	₹50 Cr	500
ICICI Home Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000
Hdb Financial Services Limited Debentures \| -	2%	₹50 Cr	500
India Grid TRust Debentures \| -	2%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	2%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	2%	₹50 Cr	500

4. 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

5. 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 2023 was 6.7% , 2022 was 4.1% and 2021 was 2.9% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (19 Nov 24)	₹3,259.9 ↑ 0.52 (0.02 %)
Net Assets (Cr)	₹3,258 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	-0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.48%
Effective Maturity	6 Months
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,505
31 Oct 21	₹10,803
31 Oct 22	₹11,186
31 Oct 23	₹11,935
31 Oct 24	₹12,763

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 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7%
3 Year	5.8%
5 Year	5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.8%

Fund Manager information for DSP BlackRock Money Manager Fund

Name	Since	Tenure
Laukik Bagwe	1 Aug 24	0.25 Yr.
Karan Mundhra	31 May 21	3.42 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	56.77%
Debt	43.02%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	56.77%
Corporate	37.55%
Government	5.47%

Credit Quality

Rating	Value
AA	8.78%
AAA	91.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	5%	₹152 Cr	1,500
364 DTB 05122024 Sovereign Bonds \| -	4%	₹124 Cr	12,500,000
182 DTB 23012025 Sovereign Bonds \| -	3%	₹99 Cr	10,000,000
Power Finance Corporation Limited Debentures \| -	3%	₹93 Cr	900
182 DTB 30012025 Sovereign Bonds \| -	2%	₹59 Cr	6,000,000
Power Finance Corporation Ltd. Debentures \| -	2%	₹56 Cr	550
Bharti Telecom Limited Debentures \| -	2%	₹54 Cr	500
The Tata Power Company Limited Debentures \| -	2%	₹53 Cr	500
LIC Housing Finance Limited Debentures \| -	2%	₹53 Cr	500
Can Fin Homes Limited Debentures \| -	2%	₹52 Cr	500

6. 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

7. 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 2023 was 6.8% , 2022 was 4.5% and 2021 was 3.2% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (19 Nov 24)	₹41.0408 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹12,502 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.58
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	7 Months 13 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	₹10,616
31 Oct 21	₹10,960
31 Oct 22	₹11,392
31 Oct 23	₹12,173
31 Oct 24	₹13,047

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 19 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.2%
3 Year	6%
5 Year	5.5%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	9.4%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	16.56 Yr.
Manu Sharma	1 Nov 22	2 Yr.

Data below for Kotak Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	55.92%
Debt	43.79%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	64.05%
Cash Equivalent	25.11%
Government	10.55%

Credit Quality

Rating	Value
AA	8.16%
AAA	91.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 12122024 Sovereign Bonds \| -	4%	₹495 Cr	50,000,000
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹392 Cr	40,000,000 ↑ 40,000,000
PTC - INDIA UNIVERSAL TRUST AL1-SERIES A1 Unlisted bonds \| -	3%	₹387 Cr	386
LIC Housing Finance Ltd Debentures \| -	2%	₹298 Cr	3,000
Nirma Limited 0.083% Debentures \| -	2%	₹250 Cr	25,000
IDFC First Bank Ltd. Debentures \| -	2%	₹243 Cr	25,000
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
182 DTB 23012025 Sovereign Bonds \| -	2%	₹197 Cr	20,000,000
Small Industries Development Bank of India Debentures \| -	2%	₹195 Cr	20,000
LIC Housing Finance Ltd Debentures \| -	1%	₹174 Cr	1,750

8. 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

9. Principal Ultra Short Term Fund

(Erstwhile Principal Retail Money Manager Fund)

To generate steady return by investing in debt and money market securities. The portfolio will be predominantly invested in overnight repo, CBLO, floating rate instruments and other fixed income instruments.

Principal Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 28 Dec 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 5.8% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2023 was 6.1% , 2022 was 3.7% and 2021 was 2.7% .

Below is the key information for Principal Ultra Short Term Fund

Principal Ultra Short Term Fund Growth
Launch Date	28 Dec 07
NAV (19 Nov 24)	₹2,582.39 ↑ 0.43 (0.02 %)
Net Assets (Cr)	₹1,845 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.41
Sharpe Ratio	-3.97
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.4%
Effective Maturity	5 Months 26 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,435
31 Oct 21	₹10,711
31 Oct 22	₹11,053
31 Oct 23	₹11,726
31 Oct 24	₹12,477

Principal Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Principal 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	0.5%
3 Month	1.6%
6 Month	3.2%
1 Year	6.4%
3 Year	5.3%
5 Year	4.5%
10 Year
15 Year
Since launch	5.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.1%
2022	3.7%
2021	2.7%
2020	4.1%
2019	6.5%
2018	1.2%
2017	6.3%
2016	7.9%
2015	8.8%
2014	9.4%

Fund Manager information for Principal Ultra Short Term Fund

Name	Since	Tenure
Dwijendra Srivastava	16 May 22	2.46 Yr.
Sandeep Agarwal	1 Jan 22	2.83 Yr.

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

Asset Allocation

Asset Class	Value
Cash	76.33%
Debt	23.43%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	63.27%
Cash Equivalent	30.23%
Government	6.25%

Credit Quality

Rating	Value
AA	9.74%
AAA	90.26%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Telecom Limited Debentures \| -	3%	₹50 Cr	5,000
182 DTB 18102024 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
182 DTB 13032025 Sovereign Bonds \| -	2%	₹49 Cr	5,000,000
IDFC First Bank Ltd. Debentures \| -	2%	₹32 Cr	660
LIC Housing Finance Ltd Debentures \| -	2%	₹30 Cr	300
ICICI Bank Ltd. Debentures \| -	1%	₹29 Cr	600
PNb Housing Finance Limited Debentures \| -	1%	₹25 Cr	2,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹25 Cr	2,500
Cholamandalam Investment And Fin. Co. Ltd Debentures \| -	1%	₹25 Cr	250,000
Hdb Financial Services Limited Debentures \| -	1%	₹25 Cr	250

10. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 15 in Liquid Fund category. Return for 2023 was 7.1% , 2022 was 4.8% and 2021 was 3.3% .

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

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (20 Nov 24)	₹403.443 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹48,377 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	3.76
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,468
31 Oct 21	₹10,797
31 Oct 22	₹11,262
31 Oct 23	₹12,048
31 Oct 24	₹12,937

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%
2015	8.4%
2014	9.2%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	13.31 Yr.
Kaustubh Gupta	15 Jul 11	13.31 Yr.
Sanjay Pawar	1 Jul 22	2.34 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life 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	73.88%
Corporate	25.92%

Credit Quality

Rating	Value
AA	0.51%
AAA	99.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	7%	₹3,525 Cr
91 DTB 05122024 Sovereign Bonds \| -	3%	₹1,573 Cr	158,665,400
Punjab National Bank Domestic Bonds \| -	3%	₹1,478 Cr	30,000 ↑ 30,000
191 DTB 24102024 Sovereign Bonds \| -	2%	₹1,248 Cr	125,000,000
State Bank Of India Certificate of Deposit \| -	2%	₹1,237 Cr	25,000
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹1,217 Cr
Punjab National Bank Certificate of Deposit \| -	2%	₹996 Cr	20,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹993 Cr	20,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹993 Cr	20,000
LIC Housing Finance Limited Commercial Paper \| -	2%	₹992 Cr	20,000

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.