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 December 20, 2024 , 9815 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. 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 (20 Dec 24)	₹3,877.08 ↑ 0.36 (0.01 %)
Net Assets (Cr)	₹7,603 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.72%
Effective Maturity	6 Months 9 Days
Modified Duration	5 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,511
30 Nov 21	₹11,330
30 Nov 22	₹11,831
30 Nov 23	₹12,621
30 Nov 24	₹13,528

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
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	11.18 Yr.
Kinjal Desai	25 May 18	6.53 Yr.
Akshay Sharma	1 Dec 22	2 Yr.

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

Asset Allocation

Asset Class	Value
Cash	68.32%
Debt	31.48%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	51.11%
Corporate	45.09%
Government	3.61%

Credit Quality

Rating	Value
AA	14.28%
AAA	85.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
191 DTB 12/12/2024 Sovereign Bonds \| -	4%	₹349 Cr	35,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	4%	₹286 Cr	29,000,000
PNb Housing Finance Limited Debentures \| -	3%	₹225 Cr	22,500
Can Fin Homes Limited Debentures \| -	3%	₹199 Cr	2,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹199 Cr	2,000
Small Industries Development Bank Of India Debentures \| -	3%	₹199 Cr	2,000 ↑ 1,000
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

2. 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 (20 Dec 24)	₹526.161 ↑ 0.14 (0.03 %)
Net Assets (Cr)	₹15,890 on 15 Dec 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.32
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.61%
Effective Maturity	7 Months 17 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,719
30 Nov 21	₹11,139
30 Nov 22	₹11,639
30 Nov 23	₹12,472
30 Nov 24	₹13,436

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 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.8%
1 Year	7.8%
3 Year	6.6%
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	10.46 Yr.
Kaustubh Gupta	15 Jul 11	13.39 Yr.
Monika Gandhi	22 Mar 21	3.7 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	44.4%
Debt	55.34%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	53.84%
Cash Equivalent	39.09%
Government	6.82%

Credit Quality

Rating	Value
AA	35.54%
AAA	64.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	5%	₹821 Cr	82,000
Aditya BSL Liquid Dir Gr Investment Fund \| -	5%	₹751 Cr	18,413,893 ↑ 18,413,893
Shriram Finance Company Limited Debentures \| -	4%	₹602 Cr	60,000
Nirma Limited Debentures \| -	3%	₹487 Cr	48,500 ↓ -1,500
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹360 Cr	36,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹326 Cr	32,500
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
7.3% Govt Stock 2028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000

3. 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 7.4% 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 (20 Dec 24)	₹26.6237 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹13,935 on 15 Dec 24
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.92
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	7.6%
Effective Maturity	5 Months 16 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,677
30 Nov 21	₹11,105
30 Nov 22	₹11,583
30 Nov 23	₹12,385
30 Nov 24	₹13,303

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.5%
1 Year	7.5%
3 Year	6.3%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

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	8.05 Yr.
Ritesh Lunawat	15 Jun 17	7.47 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	59.36%
Debt	40.4%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	49.72%
Cash Equivalent	40.03%
Government	9.31%
Securitized	0.71%

Credit Quality

Rating	Value
AA	16.21%
AAA	83.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹394 Cr	40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹392 Cr	40,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹385 Cr	3,850
Small Industries Development Bank Of India Debentures \| -	3%	₹373 Cr	3,750
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
India (Republic of) - \| -	2%	₹298 Cr	30,000,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹298 Cr	3,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹235 Cr	2,350
LIC Housing Finance Limited Debentures \| -	2%	₹225 Cr	2,250 ↑ 2,250
Oberoi Realty Ltd. Debentures \| -	1%	₹200 Cr	20,000

4. 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 (20 Dec 24)	₹4,081.94 ↑ 0.66 (0.02 %)
Net Assets (Cr)	₹3,039 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.59%
Effective Maturity	5 Months 9 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,540
30 Nov 21	₹11,193
30 Nov 22	₹11,633
30 Nov 23	₹12,417
30 Nov 24	₹13,308

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	6%
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	9.43 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	67.71%
Debt	32.09%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	54.4%
Corporate	43.77%
Government	1.63%

Credit Quality

Rating	Value
AA	21.4%
AAA	78.6%

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
ICICI Home Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000
Kotak Mahindra Prime Limited Debentures \| -	2%	₹50 Cr	500 ↑ 500
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

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 (20 Dec 24)	₹3,276.22 ↑ 0.46 (0.01 %)
Net Assets (Cr)	₹3,062 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	-0.67
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	5 Months 16 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,485
30 Nov 21	₹10,784
30 Nov 22	₹11,195
30 Nov 23	₹11,944
30 Nov 24	₹12,770

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.3%
1 Year	6.9%
3 Year	5.9%
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	0.33 Yr.
Karan Mundhra	31 May 21	3.51 Yr.

Data below for DSP BlackRock Money Manager Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	64.53%
Debt	35.25%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	49.14%
Cash Equivalent	46.72%
Government	3.92%

Credit Quality

Rating	Value
AA	7.54%
AAA	92.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	5%	₹153 Cr	1,500
364 DTB 05122024 Sovereign Bonds \| -	4%	₹125 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
Can Fin Homes Limited Debentures \| -	2%	₹52 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹52 Cr	500

6. BOI AXA Ultra Short Duration Fund

(Erstwhile BOI AXA Treasury Advantage Fund)

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved.

BOI AXA Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 16 Jul 08. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2023 was 6.2% , 2022 was 4.4% and 2021 was 3.2% .

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (20 Dec 24)	₹3,047.37 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹185 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	1.29
Sharpe Ratio	-2.23
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.46%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,511
30 Nov 21	₹10,835
30 Nov 22	₹11,279
30 Nov 23	₹11,991
30 Nov 24	₹12,781

BOI AXA 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 BOI AXA 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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.3%
1 Year	6.6%
3 Year	5.7%
5 Year	5.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.2%
2022	4.4%
2021	3.2%
2020	4.9%
2019	7.5%
2018	7.6%
2017	8%
2016	9.1%
2015	8.7%
2014	9.3%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.29 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	72.94%
Debt	26.82%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	72.94%
Corporate	21.37%
Government	5.45%

Credit Quality

Rating	Value
AA	6.25%
AAA	93.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	6%	₹10 Cr	1,000,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹10 Cr	1,000,000 ↑ 1,000,000
Power Finance Corporation Ltd. Debentures \| -	6%	₹10 Cr	1,000,000
Godrej Industries Limited Debentures \| -	6%	₹10 Cr	1,000,000
India (Republic of) - \| -	5%	₹9 Cr	950,000
Rural Electrification Corporation Limited Debentures \| -	5%	₹9 Cr	900,000 ↑ 900,000
364 DTB 28112024 Sovereign Bonds \| -	3%	₹5 Cr	500,000
HDFC Bank Limited Debentures \| -	2%	₹4 Cr	400,000
364 Day T-Bill 30.01.25 Sovereign Bonds \| -	1%	₹1 Cr	100,000
Corporate Debt Market Development Fund Investment Fund \| -	0%	₹0 Cr	400

7. Essel Liquid Fund

To provide high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market & debt securities. However, there can be no assurance that the investment objective will be achieved. The scheme does not assure or guarantee any returns.

Essel Liquid Fund is a Debt - Liquid Fund fund was launched on 19 Feb 10. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 12 in Liquid Fund category. Return for 2023 was 6.8% , 2022 was 5.1% and 2021 was 3.4% .

Below is the key information for Essel Liquid Fund

Essel Liquid Fund Growth
Launch Date	19 Feb 10
NAV (22 Dec 24)	₹27.4557 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹73 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	Essel Funds Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.18
Sharpe Ratio	-1.71
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,383
30 Nov 21	₹10,727
30 Nov 22	₹11,247
30 Nov 23	₹12,009
30 Nov 24	₹12,840

Essel 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 Essel 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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.9%
3 Year	6.2%
5 Year	5.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	5.1%
2021	3.4%
2020	3.7%
2019	6.2%
2018	7.4%
2017	6.8%
2016	7.8%
2015	8.4%
2014	9.2%

Fund Manager information for Essel Liquid Fund

Name	Since	Tenure
Tanmay Sethi	1 Feb 24	0.83 Yr.

Data below for Essel Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.51%
Other	0.49%

Debt Sector Allocation

Sector	Value
Cash Equivalent	99.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent CBLO/Reverse Repo \| -	16%	₹11 Cr
Rec Limited Debentures \| -	9%	₹6 Cr	600,000
Bajaj Housing Finance Limited Debentures \| -	8%	₹5 Cr	550,000
Power Finance Corporation Limited Debentures \| -	7%	₹5 Cr	500,000
National Housing Bank Debentures \| -	7%	₹5 Cr	500,000 ↑ 500,000
The Federal Bank Limited Certificate of Deposit \| -	7%	₹5 Cr	500,000 ↑ 500,000
182 DTB 09012025 Sovereign Bonds \| -	7%	₹5 Cr	500,000
364 DTB Sovereign Bonds \| -	7%	₹5 Cr	500,000 ↑ 500,000
Time Technoplast Limited Commercial Paper \| -	7%	₹5 Cr	500,000 ↑ 500,000
Small Industries Development Bank Of India Certificate of Deposit \| -	7%	₹4 Cr	450,000 ↑ 450,000

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 (20 Dec 24)	₹5,744.82 ↑ 0.72 (0.01 %)
Net Assets (Cr)	₹12,885 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.43%
Effective Maturity	10 Months 6 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,605
30 Nov 21	₹10,962
30 Nov 22	₹11,417
30 Nov 23	₹12,213
30 Nov 24	₹13,120

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.6%
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	3.5 Yr.
Ardhendu Bhattacharya	1 Dec 23	1 Yr.
Pradeep Kesavan	1 Dec 23	1 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	53.98%
Debt	45.77%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	53.98%
Corporate	29.65%
Government	16.12%

Credit Quality

Rating	Value
AA	0.76%
AAA	99.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	9%	₹1,133 Cr	112,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹496 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹419 Cr	4,250
India Universal Trust Al1 Sovereign Bonds \| -	3%	₹400 Cr	400 ↑ 400
Power Finance Corporation Limited Debentures \| -	3%	₹384 Cr	3,850
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
Larsen & Toubro Ltd. Debentures \| -	2%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	3,000
Rec Limited Debentures \| -	2%	₹241 Cr	2,450
182 DTB 020125 Sovereign Bonds \| -	2%	₹224 Cr	22,500,000 ↑ 22,500,000

9. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 14 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 72 in Ultrashort Bond category. Return for 2023 was 6.4% , 2022 was 3.9% and 2021 was 2.6% .

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund Growth
Launch Date	14 Jul 08
NAV (20 Dec 24)	₹3,660.01 ↑ 0.47 (0.01 %)
Net Assets (Cr)	₹602 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.95
Sharpe Ratio	-1.53
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	10 Months 23 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,469
30 Nov 21	₹10,742
30 Nov 22	₹11,133
30 Nov 23	₹11,840
30 Nov 24	₹12,639

Canara Robeco 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 Canara Robeco 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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.3%
1 Year	6.8%
3 Year	5.6%
5 Year	4.8%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.4%
2022	3.9%
2021	2.6%
2020	4.5%
2019	6.6%
2018	6.1%
2017	5.7%
2016	7.3%
2015	8.4%
2014	9.3%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	2.67 Yr.
Kunal Jain	16 Sep 24	0.21 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	47.5%
Debt	52.24%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	47.5%
Corporate	36.46%
Government	15.78%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	10%	₹59 Cr	600
Power Finance Corporation Limited Debentures \| -	7%	₹45 Cr	450
7.93% Govt Stock 2033 Sovereign Bonds \| -	4%	₹26 Cr	2,500,000 ↑ 2,500,000
Kotak Mahindra Prime Limited Debentures \| -	4%	₹25 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	4%	₹25 Cr	250
Kotak Mahindra Prime Limited Debentures \| -	4%	₹25 Cr	2,500
Bajaj Finance Limited Debentures \| -	4%	₹25 Cr	250
Export Import Bank Of India Debentures \| -	4%	₹25 Cr	250 ↓ -250
Indian Oil Corporation Limited Debentures \| -	4%	₹25 Cr	250
Hdb Financial Services Limited Debentures \| -	4%	₹25 Cr	250 ↑ 250

10. 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 (20 Dec 24)	₹2,593.41 ↑ 0.43 (0.02 %)
Net Assets (Cr)	₹1,764 on 30 Nov 24
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	5 Months 13 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,524
30 Nov 21	₹10,841
30 Nov 22	₹11,255
30 Nov 23	₹12,001
30 Nov 24	₹12,891

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 20 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	7.4%
3 Year	6%
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	4.91 Yr.
Vikas Garg	27 Jul 21	3.35 Yr.

Data below for Invesco India Ultra Short Term Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	56.12%
Debt	43.73%
Other	0.14%

Debt Sector Allocation

Sector	Value
Corporate	46.51%
Cash Equivalent	43.55%
Government	9.79%

Credit Quality

Rating	Value
AA	19.68%
AAA	80.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	5%	₹84 Cr	8,500,000 ↑ 7,500,000
Power Finance Corporation Ltd. Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 2,500,000
91 DTB 03012025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
TATA Steel Limited Debentures \| -	3%	₹45 Cr	4,500,000
Larsen & Toubro Ltd. 7.58% Debentures \| -	2%	₹35 Cr	3,500,000
Ongc Petro Additions Limited Debentures \| -	2%	₹30 Cr	3,000,000
Export Import Bank Of India Debentures \| -	2%	₹30 Cr	3,000,000
364 DTB Sovereign Bonds \| -	2%	₹30 Cr	3,000,000
Bharti Telecom Limited Debentures \| -	1%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	1%	₹25 Cr	2,500,000 ↑ 1,500,000

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