8 சிறந்த குறுகிய கால மியூச்சுவல் ஃபண்டுகள் SIP முதலீடுகள் 2022 | Fincash.com

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FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 8 சிறந்த செயல்திறன் கொண்ட குறுகிய கால கடன் நிதிகள்
Top 8 Debt - Short term Bond Funds

SIP 2022 இல் முதலீடு செய்வதற்கான 8 சிறந்த குறுகிய கால மியூச்சுவல் ஃபண்டுகள்

Updated on April 20, 2025 , 43143 views

குறுகிய காலம்பரஸ்பர நிதி ஒரு வகைகடன் நிதி இது முதலீட்டாளர்களை குறுகிய காலத்திற்கு, அதாவது 1-3 ஆண்டுகள் வரை முதலீடு செய்ய அனுமதிக்கிறது. இந்த நிதிகள் கடன் பத்திரங்களில் முதலீடு செய்கின்றன மற்றும் சிறந்த வருமானத்தைப் பெற நிலையான வைப்புகளுக்கு மாற்றாகத் தேடும் முதலீட்டாளர்களுக்கு ஏற்றதாக இருக்கும். இந்த நிதிகள் பொதுவாக கடன் கருவிகளில் முதலீடு செய்கின்றனவைப்புச் சான்றிதழ், அரசு தாள் மற்றும் கார்ப்பரேட் பேப்பர்.குறுகிய கால கடன் நிதிகள் அதிக நெகிழ்வுத்தன்மையை அனுமதிக்கும். முதலீட்டாளர்கள் தங்களுக்குத் தேவைப்படும்போது நிதியிலிருந்து வெளியேறலாம். மேலும், மற்றவர்களைப் போலல்லாமல்மியூச்சுவல் ஃபண்டுகளின் வகைகள், இந்த நிதியில் திரும்பப் பெறுவதற்கான கட்டணங்கள் எதுவும் இல்லை.சிறந்த குறுகிய கால மியூச்சுவல் ஃபண்டுகள் முதலீட்டாளர்கள் குறைந்த வருமானத்தில் நல்ல வருமானத்தை ஈட்ட அனுமதிக்கும்சந்தை ஆபத்து. எனவே, குறுகிய கால அல்லது இடைக்காலத்திற்கு முதலீடு செய்ய விரும்பும் முதலீட்டாளர்கள் இந்தத் திட்டத்தில் முதலீடு செய்து மதிப்புமிக்க வருமானத்தையும் வளர்ச்சியையும் பெறலாம்.

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FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 8 சிறந்த செயல்திறன் கொண்ட குறுகிய கால கடன் நிதிகள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Short Term Fund Growth	₹59.5627 ↑ 0.02	₹20,428	1,000	3	4.8	9.2	7.6	7.8	7.6%	2Y 9M 29D	4Y 10M 17D
HDFC Short Term Debt Fund Growth	₹31.7052 ↑ 0.01	₹14,208	300	3	4.8	9.5	7.3	8.3	7.47%	2Y 9M 22D	4Y 2M 5D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹47.1451 ↑ 0.03	₹8,068	1,000	3.1	4.9	9.4	7.2	7.9	7.49%	2Y 9M 7D	3Y 8M 1D
Axis Short Term Fund Growth	₹30.6014 ↑ 0.01	₹9,024	1,000	3.2	5.1	9.5	7.1	8	7.48%	2Y 9M 4D	3Y 7M 20D
UTI Short Term Income Fund Growth	₹31.4204 ↑ 0.01	₹2,566	500	3	4.7	9	7.1	7.9	7.29%	2Y 11M 23D	3Y 11M 1D
IDFC Bond Fund Short Term Plan Growth	₹56.6099 ↑ 0.02	₹9,674	1,000	3.1	4.9	9.5	7	7.8	7.38%	2Y 10M 17D	3Y 8M 16D
Nippon India Short Term Fund Growth	₹52.2712 ↑ 0.04	₹6,232	100	3.1	4.9	9.4	7	8	7.65%	2Y 9M	3Y 7M 13D
Principal Short Term Debt Fund Growth	₹43.8812 ↑ 0.02	₹202	2,000	2.9	4.7	9.3	7	7.9	7.24%	2Y 9M 22D	3Y 7M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Apr 25

*மேலே சிறந்த பட்டியல்குறுகிய கால கடன் மேலே உள்ள AUM/நிகர சொத்துகளைக் கொண்ட நிதிகள்100 கோடி. வரிசைப்படுத்தப்பட்டதுகடந்த 3 வருட வருவாய்.

1. ICICI Prudential Short Term Fund

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Short Term Fund is a Debt - Short term Bond fund was launched on 25 Oct 01. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch. Ranked 11 in Short term Bond category. Return for 2024 was 7.8% , 2023 was 7.4% and 2022 was 4.7% .

Below is the key information for ICICI Prudential Short Term Fund

ICICI Prudential Short Term Fund Growth
Launch Date	25 Oct 01
NAV (23 Apr 25)	₹59.5627 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹20,428 on 31 Mar 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	1.55
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-7 Days (0.25%),7 Days and above(NIL)
Yield to Maturity	7.6%
Effective Maturity	4 Years 10 Months 17 Days
Modified Duration	2 Years 9 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,876
31 Mar 22	₹11,332
31 Mar 23	₹11,983
31 Mar 24	₹12,909
31 Mar 25	₹13,950

ICICI Prudential Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for ICICI Prudential Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.7%
3 Month	3%
6 Month	4.8%
1 Year	9.2%
3 Year	7.6%
5 Year	7%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.8%
2022	7.4%
2021	4.7%
2020	3.9%
2019	10.6%
2018	9.7%
2017	5.8%
2016	5.9%
2015	11.1%
2014	8%

Fund Manager information for ICICI Prudential Short Term Fund

Name	Since	Tenure
Manish Banthia	19 Nov 09	15.29 Yr.
Nikhil Kabra	29 Dec 20	4.17 Yr.

Data below for ICICI Prudential Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.2%
Debt	95.53%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	59.41%
Government	36.12%
Cash Equivalent	4.2%

Credit Quality

Rating	Value
AA	18.83%
AAA	81.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹2,088 Cr	204,055,180 ↓ -20,000,000
7.93% Govt Stock 2033 Sovereign Bonds \| -	6%	₹1,301 Cr	126,501,270 ↓ -1,818,180
7.53% Govt Stock 2034 Sovereign Bonds \| -	3%	₹703 Cr	69,574,740 ↓ -16,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹548 Cr	55,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹480 Cr	48,000
Small Industries Development Bank Of India Debentures \| -	2%	₹369 Cr	37,000
Small Industries Development Bank Of India Debentures \| -	2%	₹363 Cr	36,500
SANSAR AUG 2024 VII TRUST Unlisted bonds \| -	2%	₹352 Cr	3,500,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹349 Cr	35,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	2%	₹328 Cr	32,570,350

2. HDFC Short Term Debt Fund

(Erstwhile HDFC Short Term Opportunities Fund)

To generate regular income through investments in Debt/Money Market Instruments and Government Securities with maturities not exceeding 36 months.

HDFC Short Term Debt Fund is a Debt - Short term Bond fund was launched on 25 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.1% since its launch. Ranked 30 in Short term Bond category. Return for 2024 was 8.3% , 2023 was 7.1% and 2022 was 3.5% .

Below is the key information for HDFC Short Term Debt Fund

HDFC Short Term Debt Fund Growth
Launch Date	25 Jun 10
NAV (23 Apr 25)	₹31.7052 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹14,208 on 31 Mar 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	4 Years 2 Months 5 Days
Modified Duration	2 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,851
31 Mar 22	₹11,348
31 Mar 23	₹11,847
31 Mar 24	₹12,759
31 Mar 25	₹13,829

HDFC Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.8%
3 Month	3%
6 Month	4.8%
1 Year	9.5%
3 Year	7.3%
5 Year	6.9%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8.3%
2022	7.1%
2021	3.5%
2020	3.9%
2019	11%
2018	9.7%
2017	7%
2016	6.5%
2015	9.3%
2014	8.7%

Fund Manager information for HDFC Short Term Debt Fund

Name	Since	Tenure
Anil Bamboli	25 Jun 10	14.69 Yr.
Dhruv Muchhal	22 Jun 23	1.69 Yr.

Data below for HDFC Short Term Debt Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	3.7%
Debt	96.01%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	60.45%
Government	35.57%
Cash Equivalent	3.7%

Credit Quality

Rating	Value
AA	11.05%
AAA	88.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	6%	₹847 Cr	82,500,000
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹518 Cr	51,500,000
Aditya Birla Renewables Limited Debentures \| -	3%	₹435 Cr	43,500
7.26% Govt Stock 2032 Sovereign Bonds \| -	3%	₹355 Cr	34,500,000
Jamnagar Utilities And Power Private Limited Debentures \| -	2%	₹327 Cr	32,500
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹281 Cr	27,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹252 Cr	25,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹251 Cr	25,000
Pipeline Infrastructure Private Limited Debentures \| -	2%	₹248 Cr	24,500
TVS Credit Services Limited Debentures \| -	1%	₹205 Cr	200

3. Aditya Birla Sun Life Short Term Opportunities Fund

An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating.

Aditya Birla Sun Life Short Term Opportunities Fund is a Debt - Short term Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 18 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 4.2% .

Below is the key information for Aditya Birla Sun Life Short Term Opportunities Fund

Aditya Birla Sun Life Short Term Opportunities Fund Growth
Launch Date	9 May 03
NAV (23 Apr 25)	₹47.1451 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹8,068 on 31 Mar 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	1.42
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity	7.49%
Effective Maturity	3 Years 8 Months 1 Day
Modified Duration	2 Years 9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹11,021
31 Mar 22	₹11,540
31 Mar 23	₹12,088
31 Mar 24	₹12,971
31 Mar 25	₹14,029

Aditya Birla Sun Life Short Term Opportunities Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Aditya Birla Sun Life Short Term Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.8%
3 Month	3.1%
6 Month	4.9%
1 Year	9.4%
3 Year	7.2%
5 Year	7%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.9%
2022	6.9%
2021	4.2%
2020	3.8%
2019	11.1%
2018	8.5%
2017	6.5%
2016	5.6%
2015	11.3%
2014	8.4%

Fund Manager information for Aditya Birla Sun Life Short Term Opportunities Fund

Name	Since	Tenure
Kaustubh Gupta	11 Sep 14	10.48 Yr.
Mohit Sharma	6 Aug 20	4.57 Yr.

Data below for Aditya Birla Sun Life Short Term Opportunities Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	8.04%
Debt	91.7%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	55.61%
Government	37.7%
Cash Equivalent	6.42%

Credit Quality

Rating	Value
AA	13.2%
AAA	86.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	12%	₹1,015 Cr	98,800,000 ↓ -2,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	5%	₹480 Cr	46,906,400 ↑ 8,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹476 Cr	47,500
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹247 Cr	24,000,000 ↓ -8,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹236 Cr	23,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹202 Cr	20,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹199 Cr	20,000
Small Industries Development Bank Of India Debentures \| -	2%	₹185 Cr	1,850
Embassy Office Parks Reit Debentures \| -	2%	₹181 Cr	18,000
Bharti Telecom Limited Debentures \| -	2%	₹150 Cr	15,000

4. Axis Short Term Fund

To generate stable returns with a low risk strategy while maintaining liquidity through a portfolio comprising of debt and money market instruments. However, there can be no assurance that the investment objective of the scheme will be achieved.

Axis Short Term Fund is a Debt - Short term Bond fund was launched on 22 Jan 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.6% since its launch. Ranked 26 in Short term Bond category. Return for 2024 was 8% , 2023 was 6.8% and 2022 was 3.7% .

Below is the key information for Axis Short Term Fund

Axis Short Term Fund Growth
Launch Date	22 Jan 10
NAV (23 Apr 25)	₹30.6014 ↑ 0.01 (0.04 %)
Net Assets (Cr)	₹9,024 on 31 Mar 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.92
Sharpe Ratio	1.6
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.48%
Effective Maturity	3 Years 7 Months 20 Days
Modified Duration	2 Years 9 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,792
31 Mar 22	₹11,260
31 Mar 23	₹11,747
31 Mar 24	₹12,599
31 Mar 25	₹13,641

Axis Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.9%
3 Month	3.2%
6 Month	5.1%
1 Year	9.5%
3 Year	7.1%
5 Year	6.5%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8%
2022	6.8%
2021	3.7%
2020	3.5%
2019	10.1%
2018	9.8%
2017	6.3%
2016	5.9%
2015	9.6%
2014	8.1%

Fund Manager information for Axis Short Term Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	12.33 Yr.
Aditya Pagaria	3 Jul 23	1.66 Yr.

Data below for Axis Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	6.32%
Debt	93.41%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	57.88%
Government	35.52%
Cash Equivalent	6.32%

Credit Quality

Rating	Value
AA	13.3%
AAA	86.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	10%	₹851 Cr	83,125,200 ↑ 23,500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	4%	₹392 Cr	38,000,000 ↓ -5,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹350 Cr	35,000 ↑ 12,500
7.18% Govt Stock 2033 Sovereign Bonds \| -	4%	₹339 Cr	33,000,000 ↑ 7,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹309 Cr	31,000
India Grid Trust Debentures \| -	2%	₹190 Cr	19,000
Indigrid Infrastructure Trust 7.88% Debentures \| -	1%	₹126 Cr	12,500
Bharti Telecom Limited Debentures \| -	1%	₹126 Cr	12,500
Tata Capital Ltd. 8.098% Debentures \| -	1%	₹126 Cr	12,500 ↑ 12,500
Embassy Office Parks Reit Debentures \| -	1%	₹125 Cr	12,500 ↑ 5,000

5. UTI Short Term Income Fund

To generate steady and reasonable income with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

UTI Short Term Income Fund is a Debt - Short term Bond fund was launched on 19 Sep 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 10 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.8% .

Below is the key information for UTI Short Term Income Fund

UTI Short Term Income Fund Growth
Launch Date	19 Sep 07
NAV (23 Apr 25)	₹31.4204 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹2,566 on 31 Mar 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.94
Sharpe Ratio	1.04
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.29%
Effective Maturity	3 Years 11 Months 1 Day
Modified Duration	2 Years 11 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,842
31 Mar 22	₹11,833
31 Mar 23	₹12,361
31 Mar 24	₹13,306
31 Mar 25	₹14,345

UTI Short Term Income Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for UTI Short Term Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.7%
3 Month	3%
6 Month	4.7%
1 Year	9%
3 Year	7.1%
5 Year	7.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.9%
2022	6.9%
2021	3.8%
2020	8.4%
2019	10.5%
2018	-3.9%
2017	6%
2016	6.1%
2015	10.1%
2014	8.3%

Fund Manager information for UTI Short Term Income Fund

Name	Since	Tenure
Sudhir Agarwal	25 Oct 12	12.36 Yr.

Data below for UTI Short Term Income Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	14.6%
Debt	85.12%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.37%
Government	20.75%
Cash Equivalent	14.6%

Credit Quality

Rating	Value
AA	13.08%
AAA	86.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	8%	₹201 Cr	2,000,000,000
LIC Housing Finance Limited Debentures \| -	7%	₹176 Cr	1,750
National Housing Bank Debentures \| -	7%	₹176 Cr	17,500
Small Industries Development Bank Of India Debentures \| -	7%	₹176 Cr	17,500
National Bank For Agriculture And Rural Development Debentures \| -	7%	₹176 Cr	17,500
Power Finance Corporation Ltd. Debentures \| -	7%	₹175 Cr	17,500
Bajaj Finance Limited Debentures \| -	3%	₹75 Cr	7,500
Kotak Mahindra Prime Limited Debentures \| -	3%	₹75 Cr	750
Shriram Finance Limited Debentures \| -	3%	₹70 Cr	7,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹60 Cr	6,000

6. IDFC Bond Fund Short Term Plan

(Erstwhile IDFC Super Saver Income Fund - Short Term Plan)

The primary investment objective of the scheme is to seek to generate stable returns with a low-risk strategy by creating a portfolio that is invested in good quality fixed income & Money Market securities. However, there can be no assurance that the investment objectives of the scheme will be realized.

IDFC Bond Fund Short Term Plan is a Debt - Short term Bond fund was launched on 14 Dec 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 47 in Short term Bond category. Return for 2024 was 7.8% , 2023 was 6.9% and 2022 was 2.8% .

Below is the key information for IDFC Bond Fund Short Term Plan

IDFC Bond Fund Short Term Plan Growth
Launch Date	14 Dec 00
NAV (23 Apr 25)	₹56.6099 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹9,674 on 31 Mar 25
Category	Debt - Short term Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆
Risk	Moderately Low
Expense Ratio	0.77
Sharpe Ratio	1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.38%
Effective Maturity	3 Years 8 Months 16 Days
Modified Duration	2 Years 10 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,752
31 Mar 22	₹11,187
31 Mar 23	₹11,596
31 Mar 24	₹12,422
31 Mar 25	₹13,452

IDFC Bond Fund Short Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for IDFC Bond Fund Short Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.7%
3 Month	3.1%
6 Month	4.9%
1 Year	9.5%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.8%
2022	6.9%
2021	2.8%
2020	3.4%
2019	9.7%
2018	9.7%
2017	6.5%
2016	5.9%
2015	8.8%
2014	8.1%

Fund Manager information for IDFC Bond Fund Short Term Plan

Name	Since	Tenure
Suyash Choudhary	11 Mar 11	14.07 Yr.
Brijesh Shah	10 Jun 24	0.81 Yr.

Data below for IDFC Bond Fund Short Term Plan as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	36.5%
Debt	63.22%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	49.37%
Government	43.35%
Cash Equivalent	7.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	28%	₹2,710 Cr	263,800,000 ↓ -63,900,000
7.26% Govt Stock 2032 Sovereign Bonds \| -	6%	₹613 Cr	59,500,000 ↑ 59,500,000
Bajaj Housing Finance Ltd. 8.04% Debentures \| -	5%	₹477 Cr	47,500,000
Tata Capital Financial Services Limited Debentures \| -	5%	₹442 Cr	44,100,000
Bajaj Finance Limited Debentures \| -	3%	₹289 Cr	29,000,000
Tata Capital Housing Finance Limited Debentures \| -	3%	₹250 Cr	25,000,000
07.63 MH Sdl 2030 Sovereign Bonds \| -	2%	₹204 Cr	19,945,600
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹150 Cr	15,000,000
6.54% Govt Stock 2032 Sovereign Bonds \| -	1%	₹139 Cr	14,000,000 ↑ 14,000,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹125 Cr	12,500,000 ↑ 12,500,000

7. Nippon India Short Term Fund

The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securitites of a short term maturity.

Nippon India Short Term Fund is a Debt - Short term Bond fund was launched on 18 Dec 02. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.7% since its launch. Ranked 17 in Short term Bond category. Return for 2024 was 8% , 2023 was 6.8% and 2022 was 3.2% .

Below is the key information for Nippon India Short Term Fund

Nippon India Short Term Fund Growth
Launch Date	18 Dec 02
NAV (23 Apr 25)	₹52.2712 ↑ 0.04 (0.07 %)
Net Assets (Cr)	₹6,232 on 31 Mar 25
Category	Debt - Short term Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	1.59
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.65%
Effective Maturity	3 Years 7 Months 13 Days
Modified Duration	2 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,799
31 Mar 22	₹11,329
31 Mar 23	₹11,745
31 Mar 24	₹12,614
31 Mar 25	₹13,655

Nippon India Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.8%
3 Month	3.1%
6 Month	4.9%
1 Year	9.4%
3 Year	7%
5 Year	6.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	8%
2022	6.8%
2021	3.2%
2020	4.4%
2019	9.5%
2018	9.4%
2017	5.5%
2016	5.7%
2015	9.8%
2014	8.1%

Fund Manager information for Nippon India Short Term Fund

Name	Since	Tenure
Vivek Sharma	1 Feb 20	5.16 Yr.
Kinjal Desai	25 May 18	6.85 Yr.
Sushil Budhia	31 Mar 21	4 Yr.

Data below for Nippon India Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	9.82%
Debt	89.86%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	50.63%
Government	39.31%
Cash Equivalent	9.74%

Credit Quality

Rating	Value
AA	12.76%
AAA	87.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.32% Govt Stock 2030 Sovereign Bonds \| -	9%	₹546 Cr	53,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	7%	₹475 Cr	46,500,000 ↓ -8,000,000
7.02% Govt Stock 2031 Sovereign Bonds \| -	4%	₹254 Cr	25,000,000 ↑ 12,500,000
7.1% Govt Stock 2029 Sovereign Bonds \| -	3%	₹214 Cr	21,000,000 ↓ -15,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹167 Cr	16,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹166 Cr	16,500
07.27 MH Sdl 2030 Sovereign Bonds \| -	2%	₹154 Cr	15,312,900
Rural Electrification Corporation Limited Debentures \| -	2%	₹150 Cr	15,000
LIC Housing Finance Limited Debentures \| -	2%	₹150 Cr	15,000
Small Industries Development Bank Of India Debentures \| -	2%	₹125 Cr	12,500 ↑ 2,500

8. Principal Short Term Debt Fund

(Erstwhile Principal Short Term Income Fund)

To generate regular income and capital appreciation/ accretion through investment in debt instruments and related securities besides preservation of capital.

Principal Short Term Debt Fund is a Debt - Short term Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 34 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.5% .

Below is the key information for Principal Short Term Debt Fund

Principal Short Term Debt Fund Growth
Launch Date	9 May 03
NAV (23 Apr 25)	₹43.8812 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹202 on 31 Mar 25
Category	Debt - Short term Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.84
Sharpe Ratio	1.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	3 Years 7 Months 13 Days
Modified Duration	2 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,749
31 Mar 22	₹11,220
31 Mar 23	₹11,706
31 Mar 24	₹12,541
31 Mar 25	₹13,560

Principal Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Principal Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

Duration	Returns
1 Month	1.7%
3 Month	2.9%
6 Month	4.7%
1 Year	9.3%
3 Year	7%
5 Year	6.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.9%
2022	6.9%
2021	3.5%
2020	3.2%
2019	10.3%
2018	-1.7%
2017	6%
2016	5.7%
2015	9.6%
2014	8.1%

Fund Manager information for Principal Short Term Debt Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.16 Yr.
Sandeep Agarwal	1 Jan 22	3.16 Yr.

Data below for Principal Short Term Debt Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	10.7%
Debt	89.01%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	49.9%
Government	39.11%
Cash Equivalent	10.7%

Credit Quality

Rating	Value
AA	21.08%
AAA	78.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹26 Cr	2,500,000
7.37% Govt Stock 2028 Sovereign Bonds \| -	7%	₹15 Cr	1,500,000
Bharti Telecom Limited Debentures \| -	5%	₹11 Cr	1,100
7.38% Govt Stock 2027 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
Power Finance Corporation Ltd. Debentures \| -	5%	₹10 Cr	1,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹10 Cr	1,000
Export-Import Bank Of India Debentures \| -	5%	₹10 Cr	1,000
PNb Housing Finance Limited Debentures \| -	5%	₹10 Cr	1,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	2%	₹5 Cr	500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	2%	₹5 Cr	500,000

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவுகளின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.