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 Debt - Ultrashort Bond Funds
- Nippon India Ultra Short Duration Fund
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- ICICI Prudential Ultra Short Term Fund
- UTI Ultra Short Term Fund
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- Principal Ultra Short Term Fund
- Invesco India Ultra Short Term Fund
- SBI Magnum Ultra Short Duration Fund
- Canara Robeco Ultra Short Term 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
(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 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 (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 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 "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 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 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 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. 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 (16 Oct 24) ₹3,832.82 ↑ 0.54 (0.01 %) Net Assets (Cr) ₹7,600 on 31 Aug 24 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio -0.33 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.89% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,519 30 Sep 21 ₹11,415 30 Sep 22 ₹11,873 30 Sep 23 ₹12,654 30 Sep 24 ₹13,553 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 5.9% 5 Year 6.3% 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 11.01 Yr. Kinjal Desai 25 May 18 6.36 Yr. Akshay Sharma 1 Dec 22 1.84 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 65.32% Debt 34.47% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 63.96% Corporate 30.67% Government 4.86% Securitized 0.3% Credit Quality
Rating Value AA 17.21% AAA 82.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity 191 DTB 12/12/2024
Sovereign Bonds | -5% ₹346 Cr 35,000,000 Rec Limited
Debentures | -4% ₹279 Cr 2,850 National Bank For Agriculture And Rural Development
Debentures | -3% ₹199 Cr 2,000
↑ 1,000 Can Fin Homes Limited
Debentures | -3% ₹199 Cr 2,000 Indinfravit Trust
Debentures | -3% ₹188 Cr 19,500 91 DTB 21112024
Sovereign Bonds | -2% ₹124 Cr 12,500,000 HDFC Credila Financial Services Ltd
Debentures | -1% ₹100 Cr 10,000
↑ 6,000 Piramal Capital & Housing Finance Ltd
Debentures | -1% ₹99 Cr 10,000 182 DTB 18112024
Sovereign Bonds | -1% ₹99 Cr 10,000,000 India (Republic of)
- | -1% ₹99 Cr 10,000,000
↑ 10,000,000 2. 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 (16 Oct 24) ₹519.162 ↑ 0.06 (0.01 %) Net Assets (Cr) ₹13,259 on 15 Sep 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 1.46 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.82% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,751 30 Sep 21 ₹11,218 30 Sep 22 ₹11,671 30 Sep 23 ₹12,497 30 Sep 24 ₹13,441 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.8% 3 Month 1.9% 6 Month 3.7% 1 Year 7.7% 3 Year 6.3% 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 10.29 Yr. Kaustubh Gupta 15 Jul 11 13.22 Yr. Monika Gandhi 22 Mar 21 3.53 Yr. Dhaval Joshi 21 Nov 22 1.86 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 29.3% Debt 70.39% Other 0.31% Debt Sector Allocation
Sector Value Corporate 68.33% Government 16.12% Cash Equivalent 15.23% Credit Quality
Rating Value AA 23.73% AAA 76.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -7% ₹820 Cr 82,000 Rural Electrification Corporation Limited
Debentures | -4% ₹500 Cr 50,000 Shriram Finance Company Limited
Debentures | -4% ₹500 Cr 50,000
↑ 40,000 Nirma Limited
Debentures | -4% ₹500 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 | -3% ₹325 Cr 3,250 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹300 Cr 30,000 7.72% Govt Stock 2028
Sovereign Bonds | -2% ₹291 Cr 29,000,000 Nirma Limited 8.3%
Debentures | -2% ₹250 Cr 25,000 3. 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 (16 Oct 24) ₹26.3083 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹14,039 on 15 Sep 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.67 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 7.65% Effective Maturity 5 Months 5 Days Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,732 30 Sep 21 ₹11,208 30 Sep 22 ₹11,642 30 Sep 23 ₹12,435 30 Sep 24 ₹13,349 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.5% 1 Year 7.4% 3 Year 6.1% 5 Year 5.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 7.88 Yr. Ritesh Lunawat 15 Jun 17 7.3 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 Sep 24
Asset Allocation
Asset Class Value Cash 58.45% Debt 41.31% Other 0.25% Debt Sector Allocation
Sector Value Corporate 60.73% Cash Equivalent 27.59% Government 10.69% Securitized 0.75% Credit Quality
Rating Value AA 10.99% AAA 89.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -3% ₹391 Cr 40,000,000
↑ 40,000,000 364 DTB 13032025
Sovereign Bonds | -3% ₹389 Cr 40,000,000 Small Industries Development Bank Of India
Debentures | -3% ₹372 Cr 3,750 Bharti Telecom Limited
Debentures | -2% ₹326 Cr 32,500 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹297 Cr 3,000 India (Republic of)
- | -2% ₹296 Cr 30,000,000 HDFC Bank Ltd.
Debentures | -2% ₹292 Cr 6,000 Indusind Bank Ltd.
Debentures | -2% ₹244 Cr 5,000 Rural Electrification Corporation Limited
Debentures | -2% ₹235 Cr 2,350 Indusind Bank Ltd.
Debentures | -2% ₹219 Cr 4,500 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 (16 Oct 24) ₹4,035.71 ↑ 0.60 (0.01 %) Net Assets (Cr) ₹2,343 on 31 Aug 24 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio -0.54 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 12 Days Modified Duration 5 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,573 30 Sep 21 ₹11,252 30 Sep 22 ₹11,657 30 Sep 23 ₹12,426 30 Sep 24 ₹13,312 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 5.8% 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 9.26 Yr. Data below for UTI Ultra Short Term Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 63.94% Debt 35.84% Other 0.22% Debt Sector Allocation
Sector Value Corporate 56.77% Cash Equivalent 39.28% Government 3.74% Credit Quality
Rating Value AA 32.93% AAA 67.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Telecom Limited
Debentures | -2% ₹50 Cr 500 ICICI Home Finance Company Limited
Debentures | -2% ₹50 Cr 5,000
↑ 5,000 Hdb Financial Services Limited
Debentures | -2% ₹50 Cr 500
↑ 500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -2% ₹50 Cr 500 ICICI Bank Ltd.
Debentures | -2% ₹49 Cr 500,000,000 Indian Bank
Domestic Bonds | -2% ₹48 Cr 500,000,000 ICICI Bank Ltd.
Debentures | -2% ₹48 Cr 500,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹48 Cr 500,000,000 Power Finance Corporation Limited
Debentures | -2% ₹45 Cr 450 5. 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 (16 Oct 24) ₹40.7808 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹12,644 on 31 Aug 24 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio -0.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.61% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,650 30 Sep 21 ₹11,020 30 Sep 22 ₹11,428 30 Sep 23 ₹12,199 30 Sep 24 ₹13,065 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.5% 1 Year 7.2% 3 Year 5.9% 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 16.47 Yr. Manu Sharma 1 Nov 22 1.92 Yr. Data below for Kotak Savings Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 55.32% Debt 44.4% Other 0.28% Debt Sector Allocation
Sector Value Corporate 65.75% Cash Equivalent 23.98% Government 9.98% Credit Quality
Rating Value AA 9.42% AAA 90.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 12122024
Sovereign Bonds | -4% ₹494 Cr 50,000,000 India (Republic of)
- | -3% ₹391 Cr 40,000,000 India Universal Trust AL1
Unlisted bonds | -3% ₹386 Cr 386
↑ 386 LIC Housing Finance Ltd
Debentures | -2% ₹298 Cr 3,000 Nirma Limited 0.083%
Debentures | -2% ₹250 Cr 25,000 IDFC First Bank Ltd.
Debentures | -2% ₹243 Cr 25,000 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 182 DTB 23012025
Sovereign Bonds | -1% ₹196 Cr 20,000,000 ICICI Bank Ltd.
Debentures | -1% ₹194 Cr 20,000 Small Industries Development Bank of India
Debentures | -1% ₹194 Cr 20,000 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 (16 Oct 24) ₹3,240.7 ↑ 0.51 (0.02 %) Net Assets (Cr) ₹2,846 on 31 Aug 24 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio -0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.58% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,538 30 Sep 21 ₹10,862 30 Sep 22 ₹11,221 30 Sep 23 ₹11,939 30 Sep 24 ₹12,777 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.4% 1 Year 7.1% 3 Year 5.6% 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 0.17 Yr. Karan Mundhra 31 May 21 3.34 Yr. Data below for DSP BlackRock Money Manager Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 56.88% Debt 42.87% Other 0.25% Debt Sector Allocation
Sector Value Corporate 64.59% Cash Equivalent 24.56% Government 10.6% Credit Quality
Rating Value AA 6.7% AAA 93.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 05122024
Sovereign Bonds | -4% ₹124 Cr 12,500,000 182 DTB 23012025
Sovereign Bonds | -4% ₹98 Cr 10,000,000 Bank of Baroda
Debentures | -3% ₹73 Cr 1,500 182 DTB 30012025
Sovereign Bonds | -2% ₹59 Cr 6,000,000 Power Finance Corporation Ltd.
Debentures | -2% ₹55 Cr 550
↑ 300 Bharti Telecom Limited
Debentures | -2% ₹54 Cr 500 The Tata Power Company Limited
Debentures | -2% ₹53 Cr 500 LIC Housing Finance Limited
Debentures | -2% ₹52 Cr 500
↑ 500 Can Fin Homes Limited
Debentures | -2% ₹52 Cr 500 Tata Capital Limited
Debentures | -2% ₹51 Cr 500
↑ 500 7. 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 (16 Oct 24) ₹2,568.23 ↑ 0.33 (0.01 %) Net Assets (Cr) ₹1,909 on 31 Aug 24 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.41 Sharpe Ratio -4.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,464 30 Sep 21 ₹10,754 30 Sep 22 ₹11,076 30 Sep 23 ₹11,738 30 Sep 24 ₹12,483 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.1% 1 Year 6.4% 3 Year 5.2% 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 2.38 Yr. Sandeep Agarwal 1 Jan 22 2.75 Yr. Data below for Principal Ultra Short Term Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 77.62% Debt 22.13% Other 0.25% Debt Sector Allocation
Sector Value Corporate 64.57% Cash Equivalent 29.97% Government 5.21% Credit Quality
Rating Value AA 7.54% AAA 92.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Telecom Limited
Debentures | -3% ₹50 Cr 5,000 364 DTB 12092024
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↑ 5,000,000 India (Republic of)
- | -3% ₹50 Cr 5,000,000
↑ 5,000,000 Union Bank of India
Domestic Bonds | -2% ₹39 Cr 800 91 DTB 05092024
Sovereign Bonds | -2% ₹37 Cr 3,700,000
↑ 3,700,000 IDFC First Bank Ltd.
Debentures | -2% ₹32 Cr 660 LIC Housing Finance Ltd
Debentures | -2% ₹30 Cr 300 ICICI Bank Ltd.
Debentures | -2% ₹29 Cr 600 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -1% ₹25 Cr 250,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 2,500 8. 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 (16 Oct 24) ₹2,563.51 ↑ 0.34 (0.01 %) Net Assets (Cr) ₹879 on 31 Aug 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.54% Effective Maturity 5 Months 9 Days Modified Duration 5 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,580 30 Sep 21 ₹10,918 30 Sep 22 ₹11,285 30 Sep 23 ₹12,019 30 Sep 24 ₹12,898 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.4% 1 Year 7.4% 3 Year 5.8% 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 4.74 Yr. Vikas Garg 27 Jul 21 3.18 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 62.07% Debt 37.73% Other 0.21% Debt Sector Allocation
Sector Value Corporate 55.88% Cash Equivalent 35.11% Government 8.8% Credit Quality
Rating Value AA 17.83% AAA 82.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity Export Import Bank Of India
Debentures | -3% ₹30 Cr 3,000,000
↑ 3,000,000 Power Grid Corporation Of India Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 TATA Steel Limited
Debentures | -2% ₹25 Cr 2,500,000
↑ 1,000,000 Tata Projects Ltd.
Debentures | -2% ₹25 Cr 2,500,000
↑ 2,500,000 LIC Housing Finance Ltd
Debentures | -2% ₹25 Cr 2,500,000
↑ 2,500,000 Bajaj Housing Finance Limited
Debentures | -2% ₹25 Cr 2,500,000
↑ 2,500,000 Muthoot Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 Godrej Industries Limited
Debentures | -2% ₹25 Cr 2,500,000
↑ 1,500,000 182 DTB 28112024
Sovereign Bonds | -2% ₹25 Cr 2,500,000 9. 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 (16 Oct 24) ₹5,678.95 ↑ 0.92 (0.02 %) Net Assets (Cr) ₹12,828 on 31 Aug 24 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 1.14 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 5 Months 5 Days Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,661 30 Sep 21 ₹11,044 30 Sep 22 ₹11,453 30 Sep 23 ₹12,237 30 Sep 24 ₹13,137 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 3.6% 1 Year 7.4% 3 Year 6% 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 3.34 Yr. Ardhendu Bhattacharya 1 Dec 23 0.84 Yr. Pradeep Kesavan 1 Dec 23 0.84 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 62.49% Debt 37.28% Other 0.24% Debt Sector Allocation
Sector Value Corporate 57.89% Cash Equivalent 31.55% Government 10.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Limited
Debentures | -4% ₹494 Cr 5,000
↑ 4,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹471 Cr 4,750 182 Day T-Bill 11.10.24
Sovereign Bonds | -4% ₹449 Cr 45,000,000
↑ 45,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹418 Cr 4,250
↑ 4,250 Power Finance Corporation Limited
Debentures | -3% ₹383 Cr 3,850 191 DTB 24102024
Sovereign Bonds | -3% ₹374 Cr 37,500,000 Hdb Financial Services Limited
Debentures | -3% ₹345 Cr 34,500 91 Day T-Bill 31.10.24
Sovereign Bonds | -2% ₹275 Cr 27,646,400 LIC Housing Finance Ltd
Debentures | -2% ₹249 Cr 2,500 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹246 Cr 5,000 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 (16 Oct 24) ₹3,621.21 ↑ 0.46 (0.01 %) Net Assets (Cr) ₹552 on 31 Aug 24 Category Debt - Ultrashort Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆ Risk Low Expense Ratio 0.95 Sharpe Ratio -2.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.36% Effective Maturity 5 Months 15 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 19 ₹10,000 30 Sep 20 ₹10,525 30 Sep 21 ₹10,811 30 Sep 22 ₹11,150 30 Sep 23 ₹11,846 30 Sep 24 ₹12,639 Returns for Canara Robeco Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 24 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.3% 1 Year 6.8% 3 Year 5.4% 5 Year 4.8% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.4% 2022 3.9% 2021 2.6% 2020 4.5% 2019 6.6% 2018 6.1% 2017 5.7% 2016 7.3% 2015 8.4% 2014 9.3% Fund Manager information for Canara Robeco Ultra Short Term Fund
Name Since Tenure Avnish Jain 1 Apr 22 2.5 Yr. Kunal Jain 16 Sep 24 0.04 Yr. Data below for Canara Robeco Ultra Short Term Fund as on 31 Aug 24
Asset Allocation
Asset Class Value Cash 68.72% Debt 31.05% Other 0.23% Debt Sector Allocation
Sector Value Corporate 60.38% Cash Equivalent 30.74% Government 8.65% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Limited
Debentures | -4% ₹25 Cr 250 Sundaram Finance Limited
Debentures | -4% ₹25 Cr 250 Bajaj Finance Limited
Debentures | -4% ₹25 Cr 250 Power Finance Corporation Limited
Debentures | -4% ₹25 Cr 250 LIC Housing Finance Ltd
Debentures | -4% ₹25 Cr 250
↓ -250 Indian Oil Corporation Limited
Debentures | -4% ₹25 Cr 250 National Bank For Agriculture And Rural Development
Debentures | -4% ₹25 Cr 250
↑ 250 LIC Housing Finance Ltd
Debentures | -4% ₹25 Cr 250 National Bank For Agriculture And Rural Development
Debentures | -4% ₹25 Cr 250
↑ 250 Punjab National Bank
Domestic Bonds | -4% ₹24 Cr 500
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