Table of Contents
- ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ (RD)
- ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD)
- ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ VS ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ
- ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ VS ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ: ਹੋਰ ਕਿੱਥੇ ਕਮਾਈ ਕਰਨੀ ਹੈ?
- ਹੋਰ ਵਿਕਲਪ
Top 10 Funds
- Aditya Birla Sun Life Savings Fund
- Nippon India Ultra Short Duration Fund
- UTI Ultra Short Term Fund
- ICICI Prudential Ultra Short Term Fund
- DSP BlackRock Money Manager Fund
- Invesco India Ultra Short Term Fund
- Kotak Savings Fund
- SBI Magnum Ultra Short Duration Fund
- Principal Ultra Short Term Fund
- Aditya Birla Sun Life Liquid Fund
ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਬਨਾਮ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ: ਕਿਹੜਾ ਬਿਹਤਰ ਹੈ?
ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਬਨਾਮ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ? ਸੋਚ ਰਹੇ ਹੋ ਕਿ ਤੁਹਾਡਾ ਪੈਸਾ ਕਿੱਥੇ ਬਚਾਉਣਾ ਹੈ? ਖੈਰ, ਕਈ ਵਾਰ, ਨਿਵੇਸ਼ਕ ਉਲਝਣ ਵਿੱਚ ਪੈ ਜਾਂਦੇ ਹਨ ਕਿ ਕੀ ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ (RD) ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਹੈ ਜਾਂ ਇੱਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (ਐੱਫ.ਡੀ). ਹਾਲਾਂਕਿ ਇਹ ਸਭ ਤੋਂ ਵੱਧ ਪ੍ਰਸਿੱਧ ਬੱਚਤ ਸਕੀਮਾਂ ਹਨ, ਖਾਸ ਤੌਰ 'ਤੇ ਜੋਖਮ ਤੋਂ ਬਚਣ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਵਿੱਚ, ਇਹ ਸਮਝਣਾ ਮਹੱਤਵਪੂਰਨ ਹੈ ਕਿ RD ਅਤੇ FD ਇੱਕ ਦੂਜੇ ਤੋਂ ਕਿਵੇਂ ਵੱਖਰੇ ਹਨ ਅਤੇ ਕਿਹੜਾ ਬਿਹਤਰ ਹੈ।ਨਿਵੇਸ਼ ਵਿਕਲਪ।
ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ (RD)
ਆਰਡੀ ਏਵਿੱਤੀ ਸਾਧਨ ਮੁੱਖ ਤੌਰ 'ਤੇ ਬੱਚਤ ਨੂੰ ਉਤਸ਼ਾਹਿਤ ਕਰਨ ਵੱਲ ਸੇਧਿਤ ਹੈ। ਇਸ ਸਕੀਮ ਵਿੱਚ, ਨਿਵੇਸ਼ਕਾਂ ਕੋਲ ਹਰ ਮਹੀਨੇ ਇੱਕ ਖਾਸ ਰਕਮ ਬਚਾਉਣ ਦੀ ਲਚਕਤਾ ਹੁੰਦੀ ਹੈ ਜਾਂ ਤਾਂ ਏਬੈਂਕਦੇ ਜਾਂ ਵਿੱਤੀ ਸੰਸਥਾ ਦਾ RD ਖਾਤਾ ਇੱਕ ਪੂਰਵ-ਨਿਰਧਾਰਤ ਕਾਰਜਕਾਲ ਲਈ ਹੈ ਅਤੇ ਇਸ ਰਕਮ 'ਤੇ ਵਿਆਜ ਕਮਾਓ। ਪਰਿਪੱਕਤਾ 'ਤੇ, ਵਿਆਜ ਦਾ ਭੁਗਤਾਨ ਮੂਲ ਰਕਮ ਦੇ ਨਾਲ ਕੀਤਾ ਜਾਂਦਾ ਹੈ।
ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD)
ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਇੱਕ ਕਿਸਮ ਦੇ ਵਿੱਤੀ ਸਾਧਨ ਹਨ ਜੋ ਬੈਂਕਾਂ ਦੁਆਰਾ ਇੱਕ ਨਿਸ਼ਚਿਤ ਪੂਰਵ-ਪ੍ਰਭਾਸ਼ਿਤ ਕਾਰਜਕਾਲ ਲਈ ਪ੍ਰਦਾਨ ਕੀਤੇ ਜਾਂਦੇ ਹਨ ਅਤੇ ਇੱਕਵਿਆਜ ਦੀ ਸਥਿਰ ਦਰ. ਇਸ ਸਕੀਮ ਵਿੱਚ, ਇੱਕ FD ਖਾਤਾ ਬਣਾਉਣ ਦੇ ਸਮੇਂ ਇੱਕ ਵਾਰ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ ਜਮ੍ਹਾ ਕੀਤੀ ਜਾਂਦੀ ਹੈ। ਕਾਰਜਕਾਲ ਦੇ ਅੰਤ 'ਤੇ, ਚੁਣੇ ਗਏ ਕਾਰਜਕਾਲ ਲਈ ਵਿਆਜ ਦੀ ਰਕਮ ਦੀ ਮੂਲ ਰਕਮ ਨਾਲ ਗਣਨਾ ਕੀਤੀ ਜਾਂਦੀ ਹੈ ਅਤੇ ਕੁੱਲ ਰਕਮ ਦਾ ਸੰਚਤ ਰੂਪ ਵਿੱਚ ਭੁਗਤਾਨ ਕੀਤਾ ਜਾਂਦਾ ਹੈ।
ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ VS ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ
| ਪੈਰਾਮੀਟਰ | ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ (RD) | ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD) |
|---|---|---|
| ਕਾਰਜਕਾਲ | RD ਦਾ ਕਾਰਜਕਾਲ ਆਮ ਤੌਰ 'ਤੇ 6 ਮਹੀਨਿਆਂ ਤੋਂ 10 ਸਾਲ ਤੱਕ ਹੁੰਦਾ ਹੈ | FD ਸਕੀਮ ਦਾ ਕਾਰਜਕਾਲ 7 ਦਿਨਾਂ ਤੋਂ 10 ਸਾਲ ਤੱਕ ਹੁੰਦਾ ਹੈ |
| ਵਿਆਜ ਦੀ ਗਣਨਾ | ਮਿਸ਼ਰਤ ਵਿਆਜ ਆਮ ਤੌਰ 'ਤੇ RD ਸਕੀਮ ਲਈ ਹਰ ਤਿਮਾਹੀ 'ਤੇ ਹੁੰਦਾ ਹੈ | FD ਵਿੱਚ, ਮਿਸ਼ਰਿਤ ਵਿਆਜ ਦੀ ਗਣਨਾ ਹਰ ਸਾਲ ਇਕੱਤਰ ਹੋਣ ਵਾਲੇ ਵਿਆਜ 'ਤੇ ਕੀਤੀ ਜਾਂਦੀ ਹੈ |
| ਯੋਗਤਾ | ਸਾਰੇ ਨਿਵਾਸੀ ਭਾਰਤੀ ਅਤੇ ਹਿੰਦੂ ਅਣਵੰਡੇ ਪਰਿਵਾਰ (HUFs) RD ਖਾਤਾ ਖੋਲ੍ਹਣ ਦੇ ਯੋਗ ਹਨ। ਇਹ ਖਾਤਾ ਨਾਬਾਲਗਾਂ ਲਈ ਉਹਨਾਂ ਦੇ ਮਾਤਾ-ਪਿਤਾ ਜਾਂ ਕਾਨੂੰਨੀ ਸਰਪ੍ਰਸਤ ਦੁਆਰਾ ਵੀ ਖੋਲ੍ਹਿਆ ਜਾ ਸਕਦਾ ਹੈ | ਸਾਰੇ ਨਿਵਾਸੀ ਭਾਰਤੀ ਅਤੇ ਹਿੰਦੂ ਅਣਵੰਡੇ ਪਰਿਵਾਰ (HUFs) ਇੱਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਖਾਤਾ ਖੋਲ੍ਹਣ ਦੇ ਯੋਗ ਹਨ |
| ਟੈਕਸ ਲਾਭ | ਇਸ ਸਕੀਮ ਵਿੱਚ ਕੋਈ ਟੈਕਸ ਲਾਭ ਨਹੀਂ ਦਿੱਤਾ ਜਾਂਦਾ ਹੈ | ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਲਈ, ਦੇ ਤਹਿਤ ਟੈਕਸ ਛੋਟਧਾਰਾ 80C ਦੇਆਮਦਨ ਟੈਕਸ ਐਕਟ 1961 ਲਾਗੂ ਹੈ। ਇਹ 5 ਸਾਲਾਂ ਤੋਂ ਵੱਧ ਜਮ੍ਹਾਂ ਰਕਮਾਂ ਲਈ ਲਾਗੂ ਹੁੰਦਾ ਹੈ (ਮੌਜੂਦਾ ਕਾਨੂੰਨਾਂ ਅਨੁਸਾਰ) |
| ਵਾਪਸੀ ਦੀ ਦਰ | ਵਿਆਜ ਦਰ FD ਦੇ ਬਰਾਬਰ ਹੈ ਪਰ ਆਮ ਤੌਰ 'ਤੇ, ਕਾਰਜਕਾਲ ਅਤੇ ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼ ਰਕਮ 'ਤੇ ਨਿਰਭਰ ਕਰਦੀ ਹੈ | ਵਿਆਜ ਦਰ RD ਦੇ ਬਰਾਬਰ ਹੈ ਪਰ ਇਸ 'ਤੇ ਨਿਰਭਰ ਕਰਦੀ ਹੈਪੂੰਜੀ ਅਤੇ ਕਾਰਜਕਾਲ ਦੀ ਚੋਣ ਕੀਤੀ |
| ਵਾਧੂ ਲਾਭ | ਜ਼ਿਆਦਾਤਰ ਬੈਂਕ ਜਮ੍ਹਾਂ ਮੁੱਲ ਦੇ 90% ਤੱਕ ਕਰਜ਼ੇ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ | ਜ਼ਿਆਦਾਤਰ ਬੈਂਕ ਜਮ੍ਹਾਂ ਮੁੱਲ ਦੇ 70% - 90% ਤੱਕ ਕਰਜ਼ੇ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ। |
| ਕਢਵਾਉਣਾ | ਕੁਝ ਮਾਮਲਿਆਂ ਵਿੱਚ, ਬਿਨਾਂ ਕਿਸੇ ਜੁਰਮਾਨੇ ਦੇ ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਕਢਵਾਉਣ ਦੀ ਇਜਾਜ਼ਤ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ। ਜਦਕਿ ਕੁਝ ਬੈਂਕ ਜੁਰਮਾਨਾ ਵਸੂਲ ਸਕਦੇ ਹਨ | ਜ਼ੁਰਮਾਨੇ ਦੇ ਨਾਲ ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਕਢਵਾਉਣ ਦੀ ਇਜਾਜ਼ਤ ਹੈ |
| ਆਮਦਨ ਦਿਲਚਸਪੀ | RD 'ਤੇ ਕਮਾਇਆ ਵਿਆਜ ਟੈਕਸਯੋਗ ਹੈ ਅਤੇ ਜ਼ਿਆਦਾਤਰ ਬੈਂਕ TDS ਕੱਟਦੇ ਹਨ | FD 'ਤੇ ਕਮਾਇਆ ਵਿਆਜ ਟੈਕਸਯੋਗ ਹੈ ਅਤੇ ਜ਼ਿਆਦਾਤਰ ਬੈਂਕ TDS ਕੱਟਦੇ ਹਨ |
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ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ VS ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ: ਹੋਰ ਕਿੱਥੇ ਕਮਾਈ ਕਰਨੀ ਹੈ?
ਕਿਉਂਕਿ RD ਅਤੇ FD ਦੋਵੇਂ ਜੋਖਮ-ਵਿਰੋਧੀ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਢੁਕਵੇਂ ਹਨ, ਅੰਤਮ ਚੋਣ ਕਿਸੇ ਦੀਆਂ ਲੋੜਾਂ 'ਤੇ ਨਿਰਭਰ ਕਰਦੀ ਹੈ। ਇੱਕ FD ਖਾਤੇ ਵਿੱਚ, ਜਮ੍ਹਾ ਕੀਤੀ ਸ਼ੁਰੂਆਤੀ ਇੱਕਮੁਸ਼ਤ ਰਕਮ 'ਤੇ ਵਿਆਜ ਮਿਸ਼ਰਤ ਹੁੰਦਾ ਹੈ। ਸਾਰੀ ਜਮ੍ਹਾਂ ਰਕਮ ਇੱਕ ਸਾਲ ਲਈ ਵਿਆਜ ਕਮਾਉਂਦੀ ਹੈ। ਹਾਲਾਂਕਿ, ਇੱਕ RD ਵਿੱਚ, ਸਿਰਫ਼ ਪਹਿਲੀ ਜਮ੍ਹਾਂ ਰਕਮ ਹੀ ਪਹਿਲੇ ਸਾਲ, ਭਾਵ 12 ਮਹੀਨਿਆਂ ਲਈ ਵਿਆਜ ਕਮਾਉਂਦੀ ਹੈ। ਦੂਜੀ ਡਿਪਾਜ਼ਿਟ 11 ਮਹੀਨਿਆਂ ਲਈ, ਤੀਜੀ 10 ਮਹੀਨਿਆਂ ਲਈ, ਵਿਆਜ ਕਮਾਉਂਦੀ ਹੈ। ਮਿਸ਼ਰਿਤ ਪ੍ਰਭਾਵ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਨੂੰ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਉੱਚ ਰਿਟਰਨ ਪੈਦਾ ਕਰਨ ਦੇ ਯੋਗ ਬਣਾਉਂਦਾ ਹੈ।
ਹਾਲਾਂਕਿ ਸਮੇਂ ਦੇ ਨਾਲ, ਇੱਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (ਉਦਾਹਰਣ ਹੇਠਾਂ ਦਰਸਾਇਆ ਗਿਆ ਹੈ) ਨਾਲ ਵਧੇਰੇ ਪੈਸਾ ਕਮਾ ਸਕਦਾ ਹੈ, ਪਰ ਇਸ ਵਿੱਚ ਮਹੀਨਾਵਾਰ ਛੋਟੀਆਂ ਰਕਮਾਂ ਜਮ੍ਹਾ ਕਰਨ ਦੇ ਯੋਗ ਹੋਣ ਦੇ ਰੂਪ ਵਿੱਚ ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਖਾਤੇ ਦੀ ਲਚਕਤਾ ਨਹੀਂ ਹੈ। ਇਸ ਲਈ, ਜਿਨ੍ਹਾਂ ਕੋਲ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨਹੀਂ ਹੈ, ਉਹ ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼ਾਂ ਨੂੰ ਤਰਜੀਹ ਦੇ ਸਕਦੇ ਹਨ।
ਬਿਹਤਰ ਸਮਝ ਲਈ, ਅਸੀਂ ਦੋਵਾਂ ਸਕੀਮਾਂ ਵਿੱਚ ਅੰਤਰ ਨੂੰ ਦਰਸਾਇਆ ਹੈ। ਇਸ ਲਈ ਉਪਭੋਗਤਾ ਸਪਸ਼ਟ ਤੌਰ 'ਤੇ ਸਮਝ ਸਕਦੇ ਹਨ ਅਤੇ ਚੰਗੀ ਤਰ੍ਹਾਂ ਚੁਣ ਸਕਦੇ ਹਨ।
ਉਦਾਹਰਣ:
ਮੰਨ ਲਓ ਕਿ ਤੁਸੀਂ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋINR 1000 (ਇੱਕ ਸਾਲ ਲਈ ਮਹੀਨਾਵਾਰ) ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਵਿੱਚ ਅਤੇ ਤੁਸੀਂ ਇੱਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਕੀਤਾ ਹੈINR 12,000 ਸਾਲ ਦੇ ਸ਼ੁਰੂ ਵਿੱਚ ਇੱਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਵਿੱਚ। ਇਹ ਦੋਵੇਂ ਉਤਪਾਦ ਤੁਹਾਨੂੰ ਤਿਮਾਹੀ ਵਿੱਚ 9 ਪ੍ਰਤੀਸ਼ਤ ਮਿਸ਼ਰਿਤ ਵਿਆਜ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ। ਇਸ ਲਈ, ਦਕਮਾਈਆਂ ਇਹਨਾਂ ਦੋਵਾਂ ਸਕੀਮਾਂ ਵਿੱਚੋਂ ਹੇਠਾਂ ਦਿੱਤਾ ਗਿਆ ਹੈ-
| ਖਾਸ | ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ (RD) | ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD) |
|---|---|---|
| ਨਿਵੇਸ਼ ਕੀਤੀ ਰਕਮ | INR 5,000 (ਮਾਸਿਕ) | INR 60,000 (ਇਕਮੁਸ਼ਤ) |
| ਕਾਰਜਕਾਲ | 12 ਮਹੀਨੇ | 12 ਮਹੀਨੇ |
| ਸਲਾਨਾ ਵਿਆਜ ਦਰਾਂ | 6% | 6% |
| ਕੁੱਲ ਕਮਾਈ ਕੀਤੀ ਗਈ ਰਕਮ | 61,986 ਰੁਪਏ | 63,701 ਰੁਪਏ |
| ਕੁੱਲ ਲਾਭ | INR 1,986 | INR 3,701 |
ਹੁਣ ਜਦੋਂ ਤੁਸੀਂ RD ਅਤੇ FD ਵਿੱਚ ਮੁੱਖ ਅੰਤਰ ਜਾਣਦੇ ਹੋ, ਤਾਂ ਤੁਸੀਂ ਇੱਕ ਚੁਣ ਸਕਦੇ ਹੋ ਅਤੇ ਸਮਝਦਾਰੀ ਨਾਲ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹੋ। ਹਾਲਾਂਕਿ FD RD ਦੀ ਤੁਲਨਾ ਵਿੱਚ ਇੱਕ ਬਿਹਤਰ ਵਾਧਾ ਪ੍ਰਦਾਨ ਕਰਦਾ ਹੈ, ਜ਼ਿਆਦਾਤਰ ਸਮੇਂ, ਤੁਹਾਡੀਆਂ ਸਾਰੀਆਂ ਜ਼ਰੂਰਤਾਂ ਨੂੰ ਪੂਰਾ ਕਰਨਾ ਇੱਕ ਇੱਕਲੇ ਸਾਧਨ ਲਈ ਸੰਭਵ ਨਹੀਂ ਹੁੰਦਾ ਹੈ। ਇਸ ਲਈ, ਜਦੋਂ ਤੁਹਾਡੇ ਕੋਲ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨਹੀਂ ਹੁੰਦੀ ਹੈ, ਤਾਂ ਤੁਸੀਂ ਹਰ ਮਹੀਨੇ ਆਪਣੀ ਆਮਦਨ ਤੋਂ ਥੋੜ੍ਹੀ ਜਿਹੀ ਰਕਮ ਬਚਾ ਸਕਦੇ ਹੋ ਅਤੇ ਇੱਕ ਆਵਰਤੀ ਡਿਪਾਜ਼ਿਟ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹੋ!
ਹੋਰ ਵਿਕਲਪ
ਤਰਲ / ਅਲਟਰਾ ਸ਼ਾਰਟ ਡੈਬਟ ਮਿਉਚੁਅਲ ਫੰਡ
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 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 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 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 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 Aditya Birla Sun Life Cash Plus Fund) An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments. Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a Below is the key information for Aditya Birla Sun Life 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 (18 Dec 24) ₹525.891 ↑ 0.11 (0.02 %) Net Assets (Cr) ₹15,098 on 31 Oct 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 2.85 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.78% Effective Maturity 7 Months 24 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 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 18 Dec 24 Duration Returns 1 Month 0.6% 3 Month 2% 6 Month 3.8% 1 Year 7.8% 3 Year 6.5% 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 31 Oct 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. Nippon India Ultra Short Duration Fund
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% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (18 Dec 24) ₹3,876.29 ↑ 0.72 (0.02 %) Net Assets (Cr) ₹8,313 on 31 Oct 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 0.54 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.73% Effective Maturity 6 Months 17 Days Modified Duration 5 Months 14 Days Growth of 10,000 investment over the years.
Date Value 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 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 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 31 Oct 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 3. 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 (18 Dec 24) ₹4,080.89 ↑ 0.65 (0.02 %) Net Assets (Cr) ₹3,046 on 31 Oct 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 0.69 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 5 Months 7 Days Modified Duration 4 Months 27 Days Growth of 10,000 investment over the years.
Date Value 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 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 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 31 Oct 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 4. 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 (18 Dec 24) ₹26.6184 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹14,206 on 31 Oct 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 7.53% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 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 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.6% 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 31 Oct 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 5. 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 (18 Dec 24) ₹3,275.51 ↑ 0.48 (0.01 %) Net Assets (Cr) ₹3,258 on 31 Oct 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -0.79 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.48% Effective Maturity 6 Months Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 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 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 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 31 Oct 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. 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 (18 Dec 24) ₹2,592.71 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹1,265 on 31 Oct 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.47% Effective Maturity 5 Months 28 Days Modified Duration 5 Months 13 Days Growth of 10,000 investment over the years.
Date Value 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 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.5% 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 31 Oct 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 7. 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 (18 Dec 24) ₹41.2474 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹12,502 on 31 Oct 24 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 0.58 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 7 Months 13 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,597 30 Nov 21 ₹10,936 30 Nov 22 ₹11,393 30 Nov 23 ₹12,169 30 Nov 24 ₹13,046 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.5% 1 Year 7.3% 3 Year 6.1% 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 16.64 Yr. Manu Sharma 1 Nov 22 2.08 Yr. Data below for Kotak Savings Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 60.18% Debt 39.54% Other 0.28% Debt Sector Allocation
Sector Value Corporate 45.45% Cash Equivalent 43.01% Government 11.26% Credit Quality
Rating Value AA 10.2% AAA 89.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 15052025
Sovereign Bonds | -4% ₹484 Cr 50,000,000
↑ 50,000,000 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -3% ₹394 Cr 40,000,000 INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -3% ₹368 Cr 386 Axis Bank Ltd.
Debentures | -3% ₹338 Cr 35,000
↑ 35,000 Mankind Pharma Ltd
Debentures | -2% ₹301 Cr 30,000 LIC Housing Finance Ltd
Debentures | -2% ₹298 Cr 3,000 182 DTB 12122024
Sovereign Bonds | -2% ₹254 Cr 25,500,000
↓ -24,500,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 182 DTB 23012025
Sovereign Bonds | -1% ₹198 Cr 20,000,000 8. 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 (18 Dec 24) ₹5,743.25 ↑ 0.99 (0.02 %) Net Assets (Cr) ₹11,751 on 31 Oct 24 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 2.47 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.42% Effective Maturity 10 Months 13 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 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 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 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 31 Oct 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. 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 (18 Dec 24) ₹2,594.29 ↑ 0.36 (0.01 %) Net Assets (Cr) ₹1,845 on 31 Oct 24 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.41 Sharpe Ratio -3.97 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.4% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,418 30 Nov 21 ₹10,697 30 Nov 22 ₹11,062 30 Nov 23 ₹11,734 30 Nov 24 ₹12,486 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.1% 1 Year 6.4% 3 Year 5.4% 5 Year 4.6% 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 2.55 Yr. Sandeep Agarwal 1 Jan 22 2.92 Yr. Data below for Principal Ultra Short Term Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 72.33% Debt 27.43% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 49.74% Corporate 41.89% Government 8.13% Credit Quality
Rating Value AA 11.43% AAA 88.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Telecom Limited
Debentures | -4% ₹70 Cr 7,000 182 DTB 13032025
Sovereign Bonds | -3% ₹64 Cr 6,500,000 TATA Steel Limited
Debentures | -3% ₹60 Cr 600
↑ 600 Axis Bank Ltd.
Debentures | -2% ₹43 Cr 900
↑ 900 LIC Housing Finance Ltd
Debentures | -1% ₹30 Cr 300 PNb Housing Finance Limited
Debentures | -1% ₹25 Cr 2,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 2,500 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -1% ₹25 Cr 250,000 Hdb Financial Services Limited
Debentures | -1% ₹25 Cr 250 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 250 10. Aditya Birla Sun Life Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 15 in Liquid Fund category. Return for 2023 was 7.1% , 2022 was 4.8% and 2021 was 3.3% . Aditya Birla Sun Life Liquid Fund
Growth Launch Date 30 Mar 04 NAV (18 Dec 24) ₹405.495 ↑ 0.06 (0.02 %) Net Assets (Cr) ₹48,377 on 31 Oct 24 Category Debt - Liquid Fund AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 3.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 2 Months 1 Day Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,449 30 Nov 21 ₹10,784 30 Nov 22 ₹11,274 30 Nov 23 ₹12,063 30 Nov 24 ₹12,953 Returns for Aditya Birla Sun Life Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.4% 5 Year 5.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 4.8% 2021 3.3% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.2% Fund Manager information for Aditya Birla Sun Life Liquid Fund
Name Since Tenure Sunaina Cunha 15 Jul 11 13.39 Yr. Kaustubh Gupta 15 Jul 11 13.39 Yr. Sanjay Pawar 1 Jul 22 2.42 Yr. Dhaval Joshi 21 Nov 22 2.03 Yr. Data below for Aditya Birla Sun Life Liquid Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 73.06% Corporate 26.21% Government 0.54% Credit Quality
Rating Value AA 0.95% AAA 99.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -11% ₹6,096 Cr 91 DTB 05122024
Sovereign Bonds | -3% ₹1,581 Cr 158,665,400 Punjab National Bank
Certificate of Deposit | -3% ₹1,487 Cr 30,000
↑ 30,000 State Bank Of India
Certificate of Deposit | -2% ₹1,244 Cr 25,000
↑ 25,000 91 DTB 23012025
Sovereign Bonds | -2% ₹1,191 Cr 120,500,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹999 Cr 20,000
↑ 20,000 Punjab National Bank
Certificate of Deposit | -2% ₹989 Cr 20,000
↑ 20,000 182 DTB 23012025
Sovereign Bonds | -2% ₹939 Cr 95,000,000 Punjab & Sind Bank
Debentures | -2% ₹886 Cr 18,000
↑ 18,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹861 Cr 8,650
↑ 8,650
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