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 March 29, 2025 , 43067 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 (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Short Term Fund Growth	₹58.8276 ↑ 0.03	₹20,205	1,000	2.2	4	8.1	7.2	7.8	7.82%	2Y 6M 18D	4Y 7M 6D
HDFC Short Term Debt Fund Growth	₹31.3093 ↑ 0.02	₹14,391	300	2.3	3.9	8.4	6.8	8.3	2.96%	2Y 9M 18D	4Y 23D
Aditya Birla Sun Life Short Term Opportunities Fund Growth	₹46.543 ↑ 0.02	₹8,689	1,000	2.2	3.9	8.2	6.7	7.9	7.72%	2Y 10M 13D	3Y 11M 5D
UTI Short Term Income Fund Growth	₹31.0325 ↑ 0.01	₹2,446	500	2.1	3.7	7.8	6.6	7.9	7.54%	2Y 6M 22D	3Y 7M 24D
Axis Short Term Fund Growth	₹30.1997 ↑ 0.01	₹8,825	1,000	2.3	4.1	8.3	6.6	8	7.57%	2Y 9M 14D	3Y 7M 10D
Principal Short Term Debt Fund Growth	₹43.3294 ↑ 0.02	₹213	2,000	2.1	3.6	8.1	6.5	7.9	7.36%	2Y 8M 5D	3Y 5M 22D
BNP Paribas Short Term Fund Growth	₹25.4771 ↓ -0.01	₹258	300	0.6	1.3	4.6	6.5		5.16%	1Y 11M 26D	2Y 3M
SBI Short Term Debt Fund Growth	₹31.3952 ↑ 0.01	₹13,614	500	2.2	3.9	8.1	6.4	7.7	7.53%	2Y 9M 7D	3Y 6M 14D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 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 (31 Mar 25)	₹58.8276 ↑ 0.03 (0.05 %)
Net Assets (Cr)	₹20,205 on 15 Mar 25
Category	Debt - Short term Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.11
Sharpe Ratio	1.45
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	7.82%
Effective Maturity	4 Years 7 Months 6 Days
Modified Duration	2 Years 6 Months 18 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

ICICI Prudential 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 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 31 Mar 25

Duration	Returns
1 Month	1.1%
3 Month	2.2%
6 Month	4%
1 Year	8.1%
3 Year	7.2%
5 Year	6.9%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.7%
2021	3.9%
2020	10.6%
2019	9.7%
2018	5.8%
2017	5.9%
2016	11.1%
2015	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 15 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% 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 (31 Mar 25)	₹31.3093 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹14,391 on 28 Feb 25
Category	Debt - Short term Bond
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.71
Sharpe Ratio	1.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	2.96%
Effective Maturity	4 Years 23 Days
Modified Duration	2 Years 9 Months 18 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

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 31 Mar 25

Duration	Returns
1 Month	1.2%
3 Month	2.3%
6 Month	3.9%
1 Year	8.4%
3 Year	6.8%
5 Year	6.7%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.1%
2022	3.5%
2021	3.9%
2020	11%
2019	9.7%
2018	7%
2017	6.5%
2016	9.3%
2015	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 28 Feb 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 (31 Mar 25)	₹46.543 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹8,689 on 28 Feb 25
Category	Debt - Short term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.06
Sharpe Ratio	1.11
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	7.72%
Effective Maturity	3 Years 11 Months 5 Days
Modified Duration	2 Years 10 Months 13 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

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 31 Mar 25

Duration	Returns
1 Month	1.1%
3 Month	2.2%
6 Month	3.9%
1 Year	8.2%
3 Year	6.7%
5 Year	7%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	4.2%
2021	3.8%
2020	11.1%
2019	8.5%
2018	6.5%
2017	5.6%
2016	11.3%
2015	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 28 Feb 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. 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 (31 Mar 25)	₹31.0325 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹2,446 on 28 Feb 25
Category	Debt - Short term Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.94
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.54%
Effective Maturity	3 Years 7 Months 24 Days
Modified Duration	2 Years 6 Months 22 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

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 31 Mar 25

Duration	Returns
1 Month	1.1%
3 Month	2.1%
6 Month	3.7%
1 Year	7.8%
3 Year	6.6%
5 Year	7.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.8%
2021	8.4%
2020	10.5%
2019	-3.9%
2018	6%
2017	6.1%
2016	10.1%
2015	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 28 Feb 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

5. 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 7.5% 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 (31 Mar 25)	₹30.1997 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹8,825 on 28 Feb 25
Category	Debt - Short term Bond
AMC	Axis Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.92
Sharpe Ratio	1.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	3 Years 7 Months 10 Days
Modified Duration	2 Years 9 Months 14 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

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 31 Mar 25

Duration	Returns
1 Month	1.2%
3 Month	2.3%
6 Month	4.1%
1 Year	8.3%
3 Year	6.6%
5 Year	6.4%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	6.8%
2022	3.7%
2021	3.5%
2020	10.1%
2019	9.8%
2018	6.3%
2017	5.9%
2016	9.6%
2015	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 28 Feb 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

6. 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 6.9% 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 (31 Mar 25)	₹43.3294 ↑ 0.02 (0.04 %)
Net Assets (Cr)	₹213 on 28 Feb 25
Category	Debt - Short term Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.84
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.36%
Effective Maturity	3 Years 5 Months 22 Days
Modified Duration	2 Years 8 Months 5 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 31 Mar 25

Duration	Returns
1 Month	1.1%
3 Month	2.1%
6 Month	3.6%
1 Year	8.1%
3 Year	6.5%
5 Year	6.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.5%
2021	3.2%
2020	10.3%
2019	-1.7%
2018	6%
2017	5.7%
2016	9.6%
2015	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 28 Feb 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

7. BNP Paribas Short Term Fund

(Erstwhile BNP Paribas Short Term Income Fund)

The primary objective of the Scheme is to provide income consistent with the prudent risk from a portfolio comprising various debt and money market instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme / Plan(s) do not guarantee / indicate any returns.

BNP Paribas Short Term Fund is a Debt - Short term Bond fund was launched on 13 Sep 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 5.5% since its launch. Ranked 41 in Short term Bond category. .

Below is the key information for BNP Paribas Short Term Fund

BNP Paribas Short Term Fund Growth
Launch Date	13 Sep 04
NAV (11 Mar 22)	₹25.4771 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹258 on 15 Feb 22
Category	Debt - Short term Bond
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.98
Sharpe Ratio	0.07
Information Ratio	-0.85
Alpha Ratio	-1.04
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	5.16%
Effective Maturity	2 Years 3 Months
Modified Duration	1 Year 11 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,815

BNP Paribas 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 BNP Paribas 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 31 Mar 25

Duration	Returns
1 Month	0.2%
3 Month	0.6%
6 Month	1.3%
1 Year	4.6%
3 Year	6.5%
5 Year	6.6%
10 Year
15 Year
Since launch	5.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for BNP Paribas Short Term Fund

Name	Since	Tenure

Data below for BNP Paribas Short Term Fund as on 15 Feb 22

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

8. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

SBI Short Term Debt Fund is a Debt - Short term Bond fund was launched on 27 Jul 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of since its launch. Ranked 25 in Short term Bond category. Return for 2024 was 7.7% , 2023 was 6.7% and 2022 was 3.5% .

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (31 Mar 25)	₹31.3952 ↑ 0.01 (0.05 %)
Net Assets (Cr)	₹13,614 on 15 Mar 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	3 Years 6 Months 14 Days
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	₹10,731
31 Mar 22	₹11,170
31 Mar 23	₹11,635
31 Mar 24	₹12,461

SBI 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 SBI 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 31 Mar 25

Duration	Returns
1 Month	1.1%
3 Month	2.2%
6 Month	3.9%
1 Year	8.1%
3 Year	6.4%
5 Year	6.1%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	6.7%
2022	3.5%
2021	2.8%
2020	9.9%
2019	9.5%
2018	6%
2017	5.7%
2016	9.9%
2015	8.2%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Rajeev Radhakrishnan	2 Jun 08	16.76 Yr.
Mansi Sajeja	1 Dec 23	1.25 Yr.

Data below for SBI Short Term Debt Fund as on 15 Mar 25

Asset Allocation

Asset Class	Value
Cash	8.39%
Debt	91.34%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	51.66%
Government	39.67%
Cash Equivalent	8.39%

Credit Quality

Rating	Value
AA	11.35%
AAA	88.65%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹1,058 Cr	103,000,000
6.79% Government Of India (07/10/2034) Sovereign Bonds \| -	7%	₹1,007 Cr	100,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	7%	₹889 Cr	87,000,000
06.32 KA Sdl 2028 Sovereign Bonds \| -	5%	₹688 Cr	70,000,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	4%	₹515 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹501 Cr	50,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹500 Cr	50,000
Power Finance Corporation Ltd. Debentures \| -	3%	₹451 Cr	45,000
Tata Communications Limited Debentures \| -	3%	₹400 Cr	40,000
Jamnagar Utilities And Power Private Limited Debentures \| -	3%	₹393 Cr	39,000

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.