Table of Contents
SWP ਕੈਲਕੁਲੇਟਰ - ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਕੈਲਕੁਲੇਟਰ
SWP ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਅਜਿਹਾ ਸਾਧਨ ਹੈ ਜੋ ਵਿਅਕਤੀਆਂ ਦੀ ਇਹ ਗਣਨਾ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ ਕਿ ਉਹਨਾਂ ਦਾ SWP ਨਿਵੇਸ਼ ਕਾਰਜਕਾਲ ਵਿੱਚ ਕਿਵੇਂ ਹੋਵੇਗਾ। SWP ਜਾਂ ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਯੂਨਿਟਾਂ ਨੂੰ ਰੀਡੀਮ ਕਰਨ ਜਾਂ ਨਿਵੇਸ਼ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਇੱਕ ਤਕਨੀਕ ਹੈਮਿਉਚੁਅਲ ਫੰਡ. SWP ਵਿੱਚ, ਵਿਅਕਤੀ ਆਪਣੇ ਪੈਸੇ ਨੂੰ ਇੱਕ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਅਤੇ ਫਿਰ ਇੱਕ ਦਿੱਤੇ ਕਾਰਜਕਾਲ ਵਿੱਚ ਆਪਣੇ ਨਿਵੇਸ਼ ਵਾਪਸ ਲੈ ਲੈਂਦੇ ਹਨ। SWP ਆਮ ਤੌਰ 'ਤੇ ਉਹਨਾਂ ਵਿਅਕਤੀਆਂ ਲਈ ਢੁਕਵਾਂ ਹੁੰਦਾ ਹੈ ਜੋ ਇੱਕ ਨਿਸ਼ਚਿਤ ਦੀ ਭਾਲ ਕਰ ਰਹੇ ਹਨਆਮਦਨ ਇੱਕ ਨਿਯਮਤ ਕਾਰਜਕਾਲ ਵਿੱਚ. ਲੇਖ ਤੁਹਾਨੂੰ ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ, SWP ਕੈਲਕੁਲੇਟਰ ਕਿਵੇਂ ਕੰਮ ਕਰਦਾ ਹੈ, ਅਤੇ ਹੋਰ ਸੰਬੰਧਿਤ ਪੈਰਾਮੀਟਰਾਂ ਦੀ ਸੰਕਲਪ ਦੀ ਇੱਕ ਸੰਪੂਰਨ ਸਮਝ ਪ੍ਰਦਾਨ ਕਰਦਾ ਹੈ।
ਮਿਉਚੁਅਲ ਫੰਡ ਵਿੱਚ SWP ਦਾ ਕੀ ਅਰਥ ਹੈ?
ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਪ੍ਰਣਾਲੀਗਤ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਜਾਂ SWP ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਦੀਆਂ ਇਕਾਈਆਂ ਨੂੰ ਰੀਡੀਮ ਕਰਨ ਦੀ ਇੱਕ ਯੋਜਨਾਬੱਧ ਅਤੇ ਯੋਜਨਾਬੱਧ ਪ੍ਰਕਿਰਿਆ ਦਾ ਹਵਾਲਾ ਦਿੰਦਾ ਹੈ। SWP ਦੀ ਧਾਰਨਾ ਦੇ ਉਲਟ ਤਰੀਕੇ ਨਾਲ ਕੰਮ ਕਰਦੀ ਹੈSIP. SWP ਵਿੱਚ, ਵਿਅਕਤੀ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਵਿੱਚ ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜੋ ਆਮ ਤੌਰ 'ਤੇ ਘੱਟ ਜੋਖਮ-ਭੁੱਖ ਰੱਖਦੇ ਹਨ, ਜਿਵੇਂ ਕਿਤਰਲ ਫੰਡ ਜਾਂ ਅਤਿਛੋਟੀ ਮਿਆਦ ਦੇ ਫੰਡ. ਵਿਅਕਤੀ ਫਿਰ ਨਿਯਮਤ ਅੰਤਰਾਲਾਂ 'ਤੇ ਨਿਵੇਸ਼ ਕੀਤੀ ਰਕਮ ਨੂੰ ਵਾਪਸ ਲੈਣਾ ਸ਼ੁਰੂ ਕਰ ਦਿੰਦੇ ਹਨ। ਵਿਅਕਤੀ ਆਪਣੀਆਂ ਜ਼ਰੂਰਤਾਂ ਦੇ ਆਧਾਰ 'ਤੇ ਆਪਣੀ ਕਢਵਾਉਣ ਦੀ ਬਾਰੰਬਾਰਤਾ ਨੂੰ ਅਨੁਕੂਲਿਤ ਕਰ ਸਕਦੇ ਹਨ ਜਿਵੇਂ ਕਿ ਮਹੀਨਾਵਾਰ, ਤਿਮਾਹੀ, ਸਾਲਾਨਾ, ਅਤੇ ਇਸ ਤਰ੍ਹਾਂ ਹੋਰ। ਇਸ ਸਥਿਤੀ ਵਿੱਚ, ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤਾ ਪੈਸਾ ਵੀ ਵਿਅਕਤੀਆਂ ਲਈ ਮਾਲੀਆ ਪ੍ਰਾਪਤ ਕਰਦਾ ਹੈ। ਵਿਅਕਤੀ, ਖਾਸ ਤੌਰ 'ਤੇ ਸੇਵਾਮੁਕਤ ਵਿਅਕਤੀ, ਜੋ ਆਮਦਨੀ ਦੇ ਨਿਯਮਤ ਸਰੋਤ ਦੀ ਭਾਲ ਕਰ ਰਹੇ ਹਨ, ਦੁਆਰਾ ਪ੍ਰਣਾਲੀਗਤ ਨਿਕਾਸੀ ਯੋਜਨਾ ਦੀ ਚੋਣ ਕਰਨ ਦੀ ਚੋਣ ਕਰ ਸਕਦੇ ਹਨਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ.
SWP ਮਿਉਚੁਅਲ ਫੰਡ ਕੈਲਕੁਲੇਟਰ
SWP ਕੈਲਕੁਲੇਟਰ ਵਿਅਕਤੀਆਂ ਦੀ ਇੱਕ ਦਿੱਤੇ ਕਾਰਜਕਾਲ ਵਿੱਚ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਵਿੱਚ ਉਹਨਾਂ ਦੇ ਨਿਕਾਸੀ ਦਾ ਅੰਦਾਜ਼ਾ ਲਗਾਉਣ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ। SWP ਕੈਲਕੁਲੇਟਰ ਵਿੱਚ ਦਾਖਲ ਕੀਤੇ ਜਾਣ ਲਈ ਲੋੜੀਂਦੇ ਇੰਪੁੱਟ ਡੇਟਾ ਵਿੱਚ ਸ਼ਾਮਲ ਹਨ:
- SWP/ਕਢਵਾਉਣ ਦੀ ਰਕਮ - ਇਹ ਨਿਸ਼ਚਿਤ ਨਿਕਾਸੀ ਰਕਮ ਨੂੰ ਦਰਸਾਉਂਦਾ ਹੈ ਜੋ ਤੁਸੀਂ ਨਿਯਮਤ ਅੰਤਰਾਲਾਂ 'ਤੇ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹੋ।
- ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ - ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨੂੰ ਦਰਸਾਉਂਦਾ ਹੈ ਜੋ ਤੁਸੀਂ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ।
- ਕਢਵਾਉਣ ਦੀ ਬਾਰੰਬਾਰਤਾ - ਕਢਵਾਉਣ ਦੀ ਬਾਰੰਬਾਰਤਾ, ਉਸ ਸਮਾਂ-ਸੀਮਾ ਨੂੰ ਦਰਸਾਉਂਦੀ ਹੈ ਜਿਸ 'ਤੇ ਤੁਸੀਂ ਆਪਣਾ ਨਿਵੇਸ਼ ਵਾਪਸ ਲੈਣਾ ਚਾਹੁੰਦੇ ਹੋ। ਇਹ ਜਾਂ ਤਾਂ ਮਾਸਿਕ, ਹਫ਼ਤਾਵਾਰੀ, ਜਾਂ ਤਿਮਾਹੀ ਹੋ ਸਕਦਾ ਹੈ। ਆਮ ਤੌਰ 'ਤੇ ਗਣਨਾ ਮਾਸਿਕ ਲਈ ਕੀਤੀ ਜਾਂਦੀ ਹੈ।
- ਰਿਟਰਨ ਦੀ ਸੰਭਾਵਿਤ ਦਰ - ਇਸਦਾ ਮਤਲਬ ਹੈ ਉਹ ਰਿਟਰਨ ਜੋ ਤੁਸੀਂ ਆਪਣੇ ਨਿਵੇਸ਼ 'ਤੇ ਉਮੀਦ ਕਰ ਰਹੇ ਹੋ।
ਇਸ ਲਈ, ਆਓ ਅਸੀਂ ਇੱਕ ਦ੍ਰਿਸ਼ਟਾਂਤ ਦੇ ਨਾਲ SWP ਕੈਲਕੁਲੇਟਰ ਦੀ ਧਾਰਨਾ ਨੂੰ ਵਿਸਤ੍ਰਿਤ ਸਮਝੀਏ।
ਨਮੂਨਾ ਦ੍ਰਿਸ਼ਟਾਂਤ
- ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ - 1.20 ਰੁਪਏ,000
- SWP ਰਕਮ - 10,000 ਰੁਪਏ
- ਵਾਪਿਸ ਲੈਣ ਦੀ ਮਿਆਦ - 12 ਮਹੀਨੇ
- ਵਾਪਸੀ ਦੀ ਉਮੀਦ ਕੀਤੀ ਦਰ - 7%
SWP ਸਾਰਣੀ ਦੀ ਗਣਨਾ ਹੇਠਾਂ ਦਿੱਤੀ ਗਈ ਹੈ।
| ਮਹੀਨਾ | ਮਹੀਨੇ ਦੀ ਸ਼ੁਰੂਆਤ ਵਿੱਚ ਬਕਾਇਆ (INR) | ਛੁਟਕਾਰਾ ਰਕਮ (INR) | ਵਿਆਜ ਕਮਾਇਆ (INR) | ਮਹੀਨੇ ਦੇ ਅੰਤ ਵਿੱਚ ਬਕਾਇਆ (INR) |
|---|---|---|---|---|
| 1 | 1,20,000 | 10,000 | 642 | 1,10,642 ਹੈ |
| 2 | 1,10,642 ਹੈ | 10,000 | 587 | 1,01,229 |
| 3 | 1,01,229 | 10,000 | 532 | 91,761 ਹੈ |
| 4 | 91,761 ਹੈ | 10,000 | 477 | 82,238 ਹੈ |
| 5 | 82,238 ਹੈ | 10,000 | 421 | 72,659 ਹੈ |
| 6 | 72,659 ਹੈ | 10,000 | 366 | 63,025 ਹੈ |
| 7 | 63,025 ਹੈ | 10,000 | 309 | 53,334 ਹੈ |
| 8 | 53,334 ਹੈ | 10,000 | 253 | 43,587 ਹੈ |
| 9 | 43,587 ਹੈ | 10,000 | 196 | 33,783 ਹੈ |
| 10 | 33,783 ਹੈ | 10,000 | 139 | 23,921 ਹੈ |
| 11 | 23,921 ਹੈ | 10,000 | 81 | 14,003 |
| 12 | 14,003 | 10,000 | 23 | 4,026 ਹੈ |
ਇਸ ਤਰ੍ਹਾਂ, ਉਪਰੋਕਤ ਸਾਰਣੀ ਤੋਂ, ਇਹ ਕਿਹਾ ਜਾ ਸਕਦਾ ਹੈ ਕਿ SWP ਟ੍ਰਾਂਜੈਕਸ਼ਨ ਦੁਆਰਾ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਦਾ ਮੁਨਾਫਾ INR 4,026 ਹੈ।
VALUE AT END OF TENOR:₹4,597SWP Calculator
ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਦੇ ਲਾਭ
SWP ਦੇ ਕੁਝ ਪ੍ਰਮੁੱਖ ਫਾਇਦੇ ਹੇਠ ਲਿਖੇ ਅਨੁਸਾਰ ਹਨ।
ਨਿਯਮਤ ਆਮਦਨ ਦਾ ਪ੍ਰਵਾਹ
SWP ਦੇ ਮੁਢਲੇ ਫਾਇਦਿਆਂ ਵਿੱਚੋਂ ਇੱਕ ਇਹ ਹੈ ਕਿ ਵਿਅਕਤੀ ਨਿਯਮਤ ਆਮਦਨ ਦੇ ਇੱਕ ਸਰੋਤ ਵਜੋਂ ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਦੀ ਵਰਤੋਂ ਕਰ ਸਕਦੇ ਹਨ। ਇਹ ਇਸ ਲਈ ਹੈ ਕਿਉਂਕਿ ਕਢਵਾਈ ਗਈ ਰਕਮ ਸਥਿਰ ਰਹਿੰਦੀ ਹੈ।
ਅਨੁਸ਼ਾਸਿਤ ਕਢਵਾਉਣ ਦੀ ਆਦਤ
SWP ਵਿਅਕਤੀਆਂ ਵਿੱਚ ਇੱਕ ਅਨੁਸ਼ਾਸਿਤ ਪੈਸੇ ਕਢਵਾਉਣ ਦੀ ਆਦਤ ਪੈਦਾ ਕਰਦਾ ਹੈ ਕਿਉਂਕਿ ਸਿਰਫ਼ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ ਕਢਵਾਈ ਜਾਂਦੀ ਹੈ ਅਤੇ ਬਾਕੀ ਪੈਸੇ ਨੂੰ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈ। ਇਹ ਰੋਕਦਾ ਹੈਪੂੰਜੀ ਨਿਵੇਸ਼ 'ਤੇ ਕਟੌਤੀ. ਨਾਲ ਹੀ, ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਰਿਟਰਨ ਪੈਦਾ ਕਰਦਾ ਹੈ।
ਪੈਨਸ਼ਨ ਦਾ ਬਦਲ
ਸੇਵਾਮੁਕਤ ਵਿਅਕਤੀਆਂ ਦੇ ਮਾਮਲੇ ਵਿੱਚ SWP ਪੈਨਸ਼ਨ ਦੇ ਬਦਲ ਵਜੋਂ ਕੰਮ ਕਰਦਾ ਹੈ। ਸੇਵਾਮੁਕਤ ਵਿਅਕਤੀ SWP ਦੁਆਰਾ ਨਿਯਮਤ ਆਮਦਨ ਲਈ ਆਪਣੇ ਆਪ ਨੂੰ ਯਕੀਨੀ ਬਣਾ ਸਕਦੇ ਹਨ।
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2022 ਲਈ ਸਰਬੋਤਮ SWP ਮਿਉਚੁਅਲ ਫੰਡ
SWP ਆਮ ਤੌਰ 'ਤੇ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਵਿੱਚ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਜੋ ਤਰਲ ਫੰਡਾਂ ਵਰਗੇ ਘੱਟ ਪੱਧਰ ਦਾ ਜੋਖਮ ਲੈਂਦੀਆਂ ਹਨ। ਇਸ ਲਈ, ਤਰਲ / ਅਲਟਰਾਸ਼ੌਰਟ ਸ਼੍ਰੇਣੀ ਦੇ ਅਧੀਨ ਕੁਝ ਸਭ ਤੋਂ ਵਧੀਆ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਜਿਨ੍ਹਾਂ ਦੀ ਸ਼ੁੱਧ ਜਾਇਦਾਦ ਨਾਲੋਂ ਵੱਧ ਹੈ1000 ਕਰੋੜ ਹੇਠ ਦਿੱਤੇ ਅਨੁਸਾਰ ਸੂਚੀਬੱਧ ਹਨ.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹526.328
↑ 0.17 ₹15,890 2 3.8 7.8 6.6 7.2 7.61% 5M 8D 7M 17D ICICI Prudential Ultra Short Term Fund Growth ₹26.6344
↑ 0.01 ₹13,935 1.8 3.5 7.5 6.3 6.9 7.6% 4M 28D 5M 16D BOI AXA Liquid Fund Growth ₹2,899.81
↑ 0.36 ₹1,657 1.7 3.6 7.4 6.4 7 7.05% 1M 24D 1M 24D Invesco India Ultra Short Term Fund Growth ₹2,594.47
↑ 1.07 ₹1,764 1.7 3.4 7.4 6 6.6 7.37% 5M 1D 5M 13D SBI Magnum Ultra Short Duration Fund Growth ₹5,747.33
↑ 2.50 ₹12,885 1.7 3.6 7.4 6.2 7 7.43% 5M 1D 10M 6D LIC MF Liquid Fund Growth ₹4,555.64
↑ 0.40 ₹10,650 1.7 3.5 7.4 6.3 7 7.02% 1M 6D 1M 6D Axis Liquid Fund Growth ₹2,803.53
↑ 0.30 ₹34,674 1.7 3.5 7.4 6.4 7.1 7.06% 1M 10D 1M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 24
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 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 Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid 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 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 An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a Below is the key information for LIC MF Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved. Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a Below is the key information for Axis Liquid 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 (23 Dec 24) ₹526.328 ↑ 0.17 (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 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 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 2. ICICI Prudential Ultra Short Term Fund
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% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (23 Dec 24) ₹26.6344 ↑ 0.01 (0.04 %) 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 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 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 3. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (23 Dec 24) ₹2,899.81 ↑ 0.36 (0.01 %) Net Assets (Cr) ₹1,657 on 30 Nov 24 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 7.01 Information Ratio -1.21 Alpha Ratio 0.02 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.05% Effective Maturity 1 Month 24 Days Modified Duration 1 Month 24 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,429 30 Nov 21 ₹10,763 30 Nov 22 ₹11,262 30 Nov 23 ₹12,051 30 Nov 24 ₹12,951 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.6% 1 Year 7.4% 3 Year 6.4% 5 Year 5.3% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.29 Yr. Data below for BOI AXA Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 94.44% Government 5.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -6% ₹99 Cr 10,000,000
↑ 10,000,000 ICICI Bank Ltd.
Debentures | -6% ₹99 Cr 10,000,000 91 DTB 03012025
Sovereign Bonds | -4% ₹74 Cr 7,500,000 Small Industries Dev Bank Of India (10/01/2025) ** #
Net Current Assets | -4% ₹74 Cr 7,500,000 Hdfc Bank Limited (03/02/2025) ** #
Net Current Assets | -4% ₹72 Cr 7,300,000
↑ 7,300,000 08.07 GJ Sdl 2025
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↑ 5,000,000 State Bank Of India (12/12/2024) ** #
Net Current Assets | -3% ₹50 Cr 5,000,000 Reliance Jio Infocomm Limited (16/12/2024) **
Net Current Assets | -3% ₹50 Cr 5,000,000 Kotak Securities Limited (20/12/2024) **
Net Current Assets | -3% ₹50 Cr 5,000,000 Axis Bank Limited (26/12/2024) ** #
Certificate of Deposit | -3% ₹50 Cr 5,000,000
↑ 5,000,000 4. 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 (23 Dec 24) ₹2,594.47 ↑ 1.07 (0.04 %) 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 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 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 5. 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 (23 Dec 24) ₹5,747.33 ↑ 2.50 (0.04 %) 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 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 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 6. LIC MF Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% . LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (23 Dec 24) ₹4,555.64 ↑ 0.40 (0.01 %) Net Assets (Cr) ₹10,650 on 30 Nov 24 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.24 Sharpe Ratio 5.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,447 30 Nov 21 ₹10,782 30 Nov 22 ₹11,262 30 Nov 23 ₹12,039 30 Nov 24 ₹12,931 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.3% 5 Year 5.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 9.16 Yr. Data below for LIC MF Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 65.86% Corporate 32.02% Government 1.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -6% ₹660 Cr State Bank Of India
Certificate of Deposit | -4% ₹399 Cr 8,000
↑ 8,000 91 Days Tbill Red 27-02-2025
Sovereign Bonds | -4% ₹394 Cr 40,000,000
↑ 40,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹350 Cr 7,000
↑ 7,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹300 Cr 6,000
↑ 6,000 364 DTB 02052024
Sovereign Bonds | -3% ₹297 Cr 30,000,000 Birla Group Holdings Pvt Ltd.
Commercial Paper | -3% ₹295 Cr 6,000
↑ 6,000 Motilal Oswal Financial Services Ltd.
Commercial Paper | -3% ₹285 Cr 5,800
↑ 5,800 Export-Import Bank Of India
Commercial Paper | -2% ₹250 Cr 5,000
↑ 5,000 Bank Of Baroda
Certificate of Deposit | -2% ₹250 Cr 5,000
↑ 5,000 7. Axis Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2023 was 7.1% , 2022 was 4.9% and 2021 was 3.3% . Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (23 Dec 24) ₹2,803.53 ↑ 0.30 (0.01 %) Net Assets (Cr) ₹34,674 on 30 Nov 24 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 4.19 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.06% Effective Maturity 1 Month 11 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 ₹10,448 30 Nov 21 ₹10,785 30 Nov 22 ₹11,280 30 Nov 23 ₹12,070 30 Nov 24 ₹12,964 Returns for Axis Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.4% 5 Year 5.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 4.9% 2021 3.3% 2020 4.3% 2019 6.6% 2018 7.5% 2017 6.7% 2016 7.6% 2015 8.4% 2014 9.1% Fund Manager information for Axis Liquid Fund
Name Since Tenure Devang Shah 5 Nov 12 12.08 Yr. Aditya Pagaria 13 Aug 16 8.31 Yr. Sachin Jain 3 Jul 23 1.42 Yr. Data below for Axis Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 98.33% Government 1.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -6% ₹2,053 Cr Punjab National Bank (04/02/2025)
Net Current Assets | -3% ₹1,181 Cr 24,000
↑ 24,000 91 DTB 21112024
Sovereign Bonds | -3% ₹1,099 Cr 110,000,000
↓ -7,500,000 Hdfc Bank Limited (12/12/2024)
Net Current Assets | -3% ₹995 Cr 20,000 State Bank Of India (27/12/2024)
Net Current Assets | -3% ₹992 Cr 20,000 Export Import Bank Of India (03/12/2024) **
Net Current Assets | -3% ₹972 Cr 19,500 182 DTB 30012025
Sovereign Bonds | -3% ₹928 Cr 94,004,100 State Bank Of India (12/12/2024)
Net Current Assets | -2% ₹697 Cr 14,000 182 DTB 26122024
Sovereign Bonds | -2% ₹596 Cr 60,000,000 Small Industries Dev Bank Of India (16/01/2025)
Net Current Assets | -2% ₹593 Cr 12,000
↑ 4,500
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।
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