Table of Contents
Top 10 Debt - Ultrashort Bond Funds
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.
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.
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.
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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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!
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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (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 Below is the key information for Kotak Savings Fund Returns up to 1 year are on (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 Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on "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 Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on (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 Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on (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 Below is the key information for Principal Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for Canara Robeco Ultra Short Term Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
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% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (26 Jun 24) ₹507.369 ↑ 0.06 (0.01 %) Net Assets (Cr) ₹13,580 on 31 May 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.47 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.88% Effective Maturity 7 Months 13 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,780 31 May 21 ₹11,375 31 May 22 ₹11,802 31 May 23 ₹12,554 31 May 24 ₹13,487 Returns for Aditya Birla Sun Life Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.9% 1 Year 7.4% 3 Year 5.9% 5 Year 6.2% 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 9.95 Yr. Kaustubh Gupta 15 Jul 11 12.89 Yr. Monika Gandhi 22 Mar 21 3.19 Yr. Dhaval Joshi 21 Nov 22 1.53 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 45.07% Debt 54.64% Other 0.29% Debt Sector Allocation
Sector Value Corporate 61.45% Cash Equivalent 24.26% Government 13.88% Securitized 0.11% Credit Quality
Rating Value AA 24.72% AAA 75.28% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -4% ₹598 Cr 6,000 Nirma Limited
Debentures | -4% ₹499 Cr 50,000 National Housing Bank 7.78%
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 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹300 Cr 30,000 Nirma Limited 8.3%
Debentures | -2% ₹250 Cr 25,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹249 Cr 2,500 91 DTB 25072024
Sovereign Bonds | -2% ₹248 Cr 25,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹245 Cr 2,500 2. Nippon India Ultra Short Duration Fund
CAGR/Annualized
return of 6% since its launch. Ranked 62 in Ultrashort Bond
category. Return for 2023 was 6.7% , 2022 was 4.6% and 2021 was 7.8% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (26 Jun 24) ₹3,751.39 ↑ 0.58 (0.02 %) Net Assets (Cr) ₹6,323 on 31 May 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.17 Sharpe Ratio -0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.85% Effective Maturity 6 Months 15 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,055 31 May 21 ₹10,531 31 May 22 ₹11,307 31 May 23 ₹11,989 31 May 24 ₹12,817 Returns for Nippon India Ultra Short Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 6.9% 3 Year 6.5% 5 Year 5.3% 10 Year 15 Year Since launch 6% 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 10.67 Yr. Kinjal Desai 25 May 18 6.02 Yr. Akshay Sharma 1 Dec 22 1.5 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 57.28% Debt 42.51% Other 0.22% Debt Sector Allocation
Sector Value Corporate 63.89% Cash Equivalent 24.76% Government 10.52% Securitized 0.61% Credit Quality
Rating Value AA 16.34% AAA 83.66% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -8% ₹492 Cr 50,000,000 Power Finance Corporation Limited
Debentures | -4% ₹266 Cr 2,650 Dlf Cyber City Developers Ltd
Debentures | -4% ₹258 Cr 2,590
↑ 1,200 Indinfravit Trust
Debentures | -3% ₹215 Cr 22,000 182 DTB 22082024
Sovereign Bonds | -3% ₹193 Cr 19,500,000 Rec Limited
Debentures | -3% ₹180 Cr 1,850
↑ 500 India (Republic of)
- | -2% ₹103 Cr 10,500,000 Shriram Finance Limited
Debentures | -2% ₹100 Cr 1,000 National Housing Bank
Debentures | -2% ₹100 Cr 10,000 PNb Housing Finance Limited
Debentures | -2% ₹100 Cr 10,000 3. Kotak Savings Fund
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% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (26 Jun 24) ₹39.92 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹12,841 on 31 May 24 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio -0.59 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.73% Effective Maturity 7 Months 24 Days Modified Duration 6 Months Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,727 31 May 21 ₹11,172 31 May 22 ₹11,537 31 May 23 ₹12,239 31 May 24 ₹13,091 Returns for Kotak Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7% 3 Year 5.5% 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 16.14 Yr. Manu Sharma 1 Nov 22 1.58 Yr. Palha Khanna 3 Jul 23 0.91 Yr. Data below for Kotak Savings Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 59.38% Debt 40.41% Other 0.21% Debt Sector Allocation
Sector Value Corporate 54.02% Cash Equivalent 26.36% Government 19.42% Credit Quality
Rating Value AA 9.4% AAA 90.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹1,000 Cr 101,500,010
↑ 41,500,000 182 DTB 12122024
Sovereign Bonds | -3% ₹483 Cr 50,000,000
↑ 50,000,000 Rural Electrification Corporation Limited
Debentures | -3% ₹459 Cr 4,600 India (Republic of)
- | -3% ₹394 Cr 40,000,000 India (Republic of)
- | -3% ₹383 Cr 40,000,000 Mahindra And Mahindra Financial Services Limited
Debentures | -2% ₹350 Cr 3,500 182 DTB 22082024
Sovereign Bonds | -2% ₹296 Cr 30,000,000 LIC Housing Finance Ltd
Debentures | -2% ₹296 Cr 3,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 182 DTB 29082024
Sovereign Bonds | -2% ₹247 Cr 25,000,000 4. UTI Ultra Short Term Fund
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% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (26 Jun 24) ₹3,948.8 ↑ 0.47 (0.01 %) Net Assets (Cr) ₹2,515 on 31 May 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.95 Sharpe Ratio -0.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.71% Effective Maturity 5 Months 21 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,252 31 May 21 ₹10,688 31 May 22 ₹11,318 31 May 23 ₹11,991 31 May 24 ₹12,820 Returns for UTI Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 6.9% 3 Year 6.3% 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 8.92 Yr. Data below for UTI Ultra Short Term Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 58.92% Debt 40.88% Other 0.2% Debt Sector Allocation
Sector Value Corporate 50.22% Cash Equivalent 41.76% Government 7.82% Credit Quality
Rating Value AA 26.12% AAA 73.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity Ntpc Limited
Debentures | -4% ₹100 Cr 1,000
↑ 1,000 91 DTB 15082024
Sovereign Bonds | -4% ₹99 Cr 1,000,000,000
↑ 1,000,000,000 Ongc Petro Additions Limited
Debentures | -3% ₹75 Cr 7,500 Shriram Finance Limited
Debentures | -3% ₹70 Cr 700 LIC Housing Finance Ltd
Debentures | -2% ₹50 Cr 500 Bharti Telecom Limited
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹49 Cr 500
↑ 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹49 Cr 500 ICICI Bank Ltd.
Debentures | -2% ₹48 Cr 500,000,000 Indian Bank
Domestic Bonds | -2% ₹47 Cr 500,000,000
↑ 500,000,000 5. ICICI Prudential Ultra Short Term Fund
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% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (26 Jun 24) ₹25.7419 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹12,302 on 15 May 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.35 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 7.7% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,754 31 May 21 ₹11,353 31 May 22 ₹11,763 31 May 23 ₹12,492 31 May 24 ₹13,387 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.2% 3 Year 5.7% 5 Year 6% 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 7.55 Yr. Ritesh Lunawat 15 Jun 17 6.96 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 May 24
Asset Allocation
Asset Class Value Cash 60.4% Debt 39.33% Other 0.27% Debt Sector Allocation
Sector Value Corporate 49.98% Cash Equivalent 39.07% Government 10.69% Credit Quality
Rating Value AA 14.19% AAA 85.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹383 Cr 40,000,000 364 DTB 13032025
Sovereign Bonds | -3% ₹380 Cr 40,000,000
↑ 40,000,000 Bharti Telecom Limited
Debentures | -3% ₹340 Cr 34,000 India (Republic of)
- | -2% ₹290 Cr 30,000,000 HDFC Bank Ltd.
Debentures | -2% ₹285 Cr 6,000 Indusind Bank Ltd.
Debentures | -2% ₹239 Cr 5,000 Bank of India
Debentures | -2% ₹238 Cr 5,000
↑ 5,000 Indusind Bank Ltd.
Debentures | -2% ₹214 Cr 4,500 182 DTB 25072024
Sovereign Bonds | -2% ₹199 Cr 20,000,000 182 DTB 18102024
Sovereign Bonds | -2% ₹195 Cr 20,000,000 6. DSP BlackRock Money Manager Fund
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% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (26 Jun 24) ₹3,173.46 ↑ 0.33 (0.01 %) Net Assets (Cr) ₹2,684 on 31 May 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -1.37 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.59% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,671 31 May 21 ₹11,021 31 May 22 ₹11,334 31 May 23 ₹11,985 31 May 24 ₹12,803 Returns for DSP BlackRock Money Manager Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 6.8% 3 Year 5.2% 5 Year 5.1% 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 Kedar Karnik 17 Jul 16 7.88 Yr. Karan Mundhra 31 May 21 3 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 74.01% Debt 25.74% Other 0.25% Debt Sector Allocation
Sector Value Corporate 62.02% Cash Equivalent 33.03% Government 4.7% Credit Quality
Rating Value AA 2.97% AAA 97.03% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kotak Mahindra Bank Ltd.
Debentures | -4% ₹98 Cr 2,000 182 DTB 25072024
Sovereign Bonds | -3% ₹74 Cr 7,500,000 Bank of Baroda
Debentures | -3% ₹71 Cr 1,500 Kisetsu Saison Finance (India) Pvt Ltd.
Debentures | -2% ₹50 Cr 1,000 182 DTB 18072024
Sovereign Bonds | -2% ₹50 Cr 5,000,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹49 Cr 1,000
↑ 1,000 182 DTB 14112024
Sovereign Bonds | -2% ₹49 Cr 5,000,000
↑ 5,000,000 Punjab National Bank
Domestic Bonds | -2% ₹48 Cr 1,000 LIC Housing Finance Ltd
Debentures | -2% ₹48 Cr 450 IDFC First Bank Ltd.
Debentures | -2% ₹47 Cr 1,000 7. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized
return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (26 Jun 24) ₹5,553.55 ↑ 0.83 (0.01 %) Net Assets (Cr) ₹10,548 on 31 May 24 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.49 Sharpe Ratio 0.37 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.54% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,747 31 May 21 ₹11,200 31 May 22 ₹11,565 31 May 23 ₹12,282 31 May 24 ₹13,160 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.6% 5 Year 5.7% 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 Yr. Ardhendu Bhattacharya 1 Dec 23 0.5 Yr. Pradeep Kesavan 1 Dec 23 0.5 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 67.82% Debt 31.92% Other 0.26% Debt Sector Allocation
Sector Value Corporate 58.81% Cash Equivalent 38.65% Government 2.28% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 02082024
Sovereign Bonds | -7% ₹793 Cr 80,000,000
↑ 80,000,000 182 DTB 11072024
Sovereign Bonds | -4% ₹448 Cr 45,000,000 Panatone Finvest Ltd
Debentures | -3% ₹286 Cr 6,000 Power Finance Corporation Limited
Debentures | -3% ₹284 Cr 2,850 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹270 Cr 5,500 182 DTB 25072024
Sovereign Bonds | -2% ₹248 Cr 25,000,000 LIC Housing Finance Ltd
Debentures | -2% ₹248 Cr 2,500 RBL Bank Ltd.
Debentures | -2% ₹241 Cr 5,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹241 Cr 5,000 Tata Capital Housing Finance Limited
Debentures | -2% ₹220 Cr 2,200
↑ 500 8. Principal Ultra Short Term Fund
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% . Principal Ultra Short Term Fund
Growth Launch Date 28 Dec 07 NAV (26 Jun 24) ₹2,519.25 ↑ 0.20 (0.01 %) Net Assets (Cr) ₹2,018 on 31 May 24 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.39 Sharpe Ratio -5.67 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.49% Effective Maturity 6 Months 4 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,558 31 May 21 ₹10,875 31 May 22 ₹11,155 31 May 23 ₹11,751 31 May 24 ₹12,476 Returns for Principal Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.2% 1 Year 6.2% 3 Year 4.8% 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 2.04 Yr. Sandeep Agarwal 1 Jan 22 2.41 Yr. Data below for Principal Ultra Short Term Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 72.01% Debt 27.76% Other 0.23% Debt Sector Allocation
Sector Value Corporate 63.67% Cash Equivalent 27.37% Government 8.73% Credit Quality
Rating Value AA 5.17% AAA 94.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹73 Cr 7,500,000
↓ -2,500,000 Bharti Telecom Limited
Debentures | -2% ₹50 Cr 5,000 Canara Bank
Domestic Bonds | -2% ₹50 Cr 1,000 182 DTB 26102024
Sovereign Bonds | -2% ₹49 Cr 5,000,000 India (Republic of)
- | -2% ₹49 Cr 5,000,000 India (Republic of)
- | -2% ₹49 Cr 5,000,000 Bank of Baroda
Debentures | -2% ₹48 Cr 1,000
↑ 1,000 Punjab National Bank
Domestic Bonds | -2% ₹48 Cr 1,000 Union Bank of India
Domestic Bonds | -2% ₹38 Cr 800 IDFC First Bank Ltd.
Debentures | -2% ₹31 Cr 660 9. Invesco India Ultra Short Term Fund
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% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (26 Jun 24) ₹2,509.39 ↑ 0.38 (0.02 %) Net Assets (Cr) ₹656 on 15 May 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.89 Sharpe Ratio 0.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,703 31 May 21 ₹11,082 31 May 22 ₹11,403 31 May 23 ₹12,069 31 May 24 ₹12,926 Returns for Invesco India Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.8% 1 Year 7.1% 3 Year 5.4% 5 Year 5.3% 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 4.41 Yr. Vikas Garg 27 Jul 21 2.85 Yr. Data below for Invesco India Ultra Short Term Fund as on 15 May 24
Asset Allocation
Asset Class Value Cash 58.48% Debt 41.23% Other 0.29% Debt Sector Allocation
Sector Value Corporate 66.41% Cash Equivalent 16.95% Government 16.36% Credit Quality
Rating Value AA 17.98% AAA 82.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹34 Cr 3,500,000 Bharti Telecom Limited
Debentures | -3% ₹25 Cr 2,500,000 National Housing Bank
Debentures | -3% ₹25 Cr 2,500,000
↑ 1,000,000 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹25 Cr 2,500,000 182 DTB 28112024
Sovereign Bonds | -3% ₹24 Cr 2,500,000
↑ 2,500,000 182 DTB 12122024
Sovereign Bonds | -3% ₹24 Cr 2,500,000
↑ 2,500,000 HDFC Bank Ltd.
Debentures | -3% ₹24 Cr 2,500,000 Indian Bank
Domestic Bonds | -3% ₹24 Cr 2,500,000 LIC Housing Finance Ltd
Debentures | -3% ₹20 Cr 2,000,000 PNb Housing Finance Limited
Debentures | -2% ₹15 Cr 1,500,000 10. Canara Robeco Ultra Short Term Fund
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% . Canara Robeco Ultra Short Term Fund
Growth Launch Date 14 Jul 08 NAV (26 Jun 24) ₹3,547.36 ↑ 0.14 (0.00 %) Net Assets (Cr) ₹422 on 31 May 24 Category Debt - Ultrashort Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆ Risk Low Expense Ratio 0.95 Sharpe Ratio -3.7 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 5 Months 15 Days Modified Duration 5 Months 3 Days Growth of 10,000 investment over the years.
Date Value 31 May 19 ₹10,000 31 May 20 ₹10,616 31 May 21 ₹10,949 31 May 22 ₹11,236 31 May 23 ₹11,865 31 May 24 ₹12,638 Returns for Canara Robeco Ultra Short Term Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 26 Jun 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.5% 3 Year 5% 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 Suman Prasad 12 Apr 11 13.15 Yr. Avnish Jain 1 Apr 22 2.17 Yr. Data below for Canara Robeco Ultra Short Term Fund as on 31 May 24
Asset Allocation
Asset Class Value Cash 57.2% Debt 42.42% Other 0.37% Debt Sector Allocation
Sector Value Corporate 64.39% Cash Equivalent 28.18% Government 7.05% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sundaram Finance Limited
Debentures | -6% ₹25 Cr 250 Rural Electrification Corporation Limited
Debentures | -6% ₹25 Cr 2,500 National Housing Bank
Debentures | -6% ₹25 Cr 250 India (Republic of)
- | -6% ₹25 Cr 2,500,000
↑ 2,500,000 Power Finance Corporation Limited
Debentures | -6% ₹25 Cr 250 182 DTB 18072024
Sovereign Bonds | -6% ₹25 Cr 2,500,000
↑ 2,500,000 Kotak Mahindra Prime Limited
Debentures | -6% ₹25 Cr 250 Indian Oil Corporation Limited
Debentures | -6% ₹25 Cr 250 LIC Housing Finance Ltd
Debentures | -6% ₹25 Cr 250 364 DTB 05122024
Sovereign Bonds | -1% ₹5 Cr 500,000