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Fincash » Mutual Funds » Ultra Short Term Funds Vs Liquid Funds

Ultra Short Term Funds Vs Liquid Funds

Updated on April 20, 2025 , 29386 views

Whenever we think of short-term investment in Mutual Funds, we often come across the terms such as ultra short term funds and Liquid Funds. Though both of them are categories of debt funds, however, they do possess the different characteristics. Ultra Short Term fund is a Debt fund category whose Portfolio consists of fixed Income securities with a maturity period ranging between 91 days to one year. On the other hand, the liquid fund is a debt fund category whose portfolio consists of Fixed Income securities with a maturity period of less than or equal to 91 days.

ultra-short-vs-liquid-funds

So, let us understand the differences between both ultra short term funds and liquid funds with respect to various parameters.

What is an Ultra Short Term Fund?

Ultra short term fund is a category of debt fund that invests its corpus in fixed income securities. The fund’s portfolio maturity tenure extends between 91 days and normally less than 1 year. These schemes were earlier referred as Liquid Plus Funds. Ultra Short Term Funds is suitable for investors who are willing to take a marginally higher level of risk to earn higher returns. These schemes are a notch above liquid funds with respect to risk and returns.

What is a Liquid Fund?

Liquid fund refers to the Mutual Fund scheme that invests its accumulated fund money in fixed income securities having a maturity period of less than 91 days. Liquid funds are part of debt funds and are considered to be one of the safe investment avenues. People having idle funds lying in their Bank account can choose to invest in the money in liquid funds and earn more returns. These schemes have higher liquidity as compared to ultra short term fund.

Difference Between Ultra Short Term Fund Vs Liquid Fund

The different parameters that differentiate ultra short term funds and liquid funds are as follows.

Maturity Tenure of Underlying Assets

The Maturity tenure of Underlying assets in case of liquid funds is less as compared to ultra short term funds. These securities in most cases have a maturity profile of less than or equal to 91 days. However, in case of ultra short term funds, the maturity tenure of its underlying securities are more than 91 days and less than 1 year.

Liquidity

The liquidity of liquid funds is high as compared to ultra short term funds. In case liquid funds, some of the Mutual Fund companies do provide an instant Redemption Facility. By opting for this facility, one can ensure that they get their proceeds credited to the bank account within 30 minutes. However, this facility is not available in case of ultra short term funds. In ultra short term funds people get their money back on the next working day if they place their order before the cut-off time.

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Returns

The returns in case of ultra short term funds are slightly higher as compared to liquid funds. This higher return is due to the marginally higher risk which is present in ultra short term funds as compared to liquid funds.

Risk

The risk in case of liquid funds is very low as compared to ultra short term funds. This is because the underlying securities in liquid funds are mostly held till maturity instead of trading due to very low maturity tenure. However, in case of ultra short term funds, the risk is marginally higher as compared to liquid funds.

Exit Load

Most of the liquid funds do not have any exit loads attached to it due to which people get the entire redemption proceeds at the time of withdrawals. However, ultra short term funds may or may not have exit loads. Exit load in case of ultra short term fund is generally applicable if the redemption is done within a short period of time.

Taxation

Since both ultra short-term funds and liquid funds are a part of the debt funds; the taxation rules are same for both of them. If both the funds are sold within three years from the date of purchase, then Short Term Capital Gain (STCG) is applicable which is charged as per the individual’s tax slab. On the contrary, if the units are redeemed after three years then Long Term Capital Gain (LTCG) is applicable which is charged at 20% along with indexation benefits.

Cut-off Time

The cut-off time for placing an order with respect to purchase or redemption in case of the liquid fund is 2 PM, while in case of ultra short term funds the cut-off time is 3 PM.

The table given below sums up the differences between liquid funds and ultra short term funds.

Parameters Liquid Funds Ultra Short Term Funds
Maturity Profile of Underlying Assets The maturity profile of the assets is less than or equal to 91 days The maturity profile of the assets is more than 91 days and less than one year
Liquidity High liquidity Low as compared to Liquid Funds
Returns Lower as compared to ultra short term funds Slightly higher than liquid funds
Risk Very low Marginally higher in comparison to liquid funds
Exit Load Mostly does not have exit load May or may not have exit loads
Taxation Short-term: Taxed as per individual’s slab rates Long-term: Taxed at 20% and had taxation benefits Same as Liquid Funds
Cut-off Time 2 PM 3 PM

Best Funds to Invest in FY 25 - 26

After understanding the differences between liquid funds and ultra short term funds, let us have a look at some of the Best Liquid Funds and Best Ultra Short term funds which may suit your requirements.

Best Liquid Funds

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
BOI AXA Liquid Fund Growth ₹2,971.39
↑ 0.54
₹1,5240.71.93.77.47.46.94%2M 1D2M 1D
Axis Liquid Fund Growth ₹2,873.19
↑ 0.49
₹32,6090.71.93.77.37.47.08%2M 4D2M 4D
Canara Robeco Liquid Growth ₹3,106.22
↑ 0.52
₹4,0300.71.93.77.37.47.1%2M 8D2M 12D
DSP BlackRock Liquidity Fund Growth ₹3,683.95
↑ 0.64
₹15,8290.71.83.67.37.46.95%1M 20D1M 28D
Invesco India Liquid Fund Growth ₹3,546.78
↑ 0.61
₹10,9450.71.93.67.37.47.01%2M 5D2M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 25

Best Ultra Short Term Funds

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹541.107
↑ 0.25
₹13,2942.24.17.977.97.75%6M 25D7M 28D
SBI Magnum Ultra Short Duration Fund Growth ₹5,901.32
↑ 1.35
₹12,4702.13.87.56.77.47.28%5M 8D8M 16D
ICICI Prudential Ultra Short Term Fund Growth ₹27.3475
↑ 0.01
₹12,6742.13.87.56.87.57.53%5M 8D7M 28D
Kotak Savings Fund Growth ₹42.3589
↑ 0.01
₹11,8732.13.87.46.67.27.32%6M 4D6M 14D
Nippon India Ultra Short Duration Fund Growth ₹3,979.96
↑ 1.20
₹6,49823.77.36.67.27.73%5M 4D7M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 25

*Above is the detailed list of Liquid / Ultrashort funds having Net Assets more than 1000 Crore and have been managing funds for atleast 3 Years. Sorted based on 1 Year returns.

*Below is the detailed list of Liquid / Ultrashort funds having Net Assets more than 1000 Crore and have been managing funds for atleast 3 Years. Sorted based on last yield to maturity.

1. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 25 in Liquid Fund category.  Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.7% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund
Growth
Launch Date 11 Mar 02
NAV (22 Apr 25) ₹4,665.61 ↑ 0.79   (0.02 %)
Net Assets (Cr) ₹9,367 on 31 Mar 25
Category Debt - Liquid Fund
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating
Risk Low
Expense Ratio 0.24
Sharpe Ratio 2.98
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 8.34%
Effective Maturity 2 Months
Modified Duration 1 Month 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,355
31 Mar 22₹10,700
31 Mar 23₹11,295
31 Mar 24₹12,105
31 Mar 25₹12,989

LIC MF Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for LIC MF Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

DurationReturns
1 Month 0.7%
3 Month 1.8%
6 Month 3.6%
1 Year 7.3%
3 Year 6.8%
5 Year 5.4%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7%
2022 4.7%
2021 3.3%
2020 4.3%
2019 6.5%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
Fund Manager information for LIC MF Liquid Fund
NameSinceTenure
Rahul Singh5 Oct 159.49 Yr.

Data below for LIC MF Liquid Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash99.76%
Other0.24%
Debt Sector Allocation
SectorValue
Cash Equivalent75.98%
Corporate18.6%
Government5.18%
Credit Quality
RatingValue
AA1.69%
AAA98.31%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Bank Ltd.
Certificate of Deposit | -
4%₹420 Cr8,500
91 Days Tbill Red 08-05-2025
Sovereign Bonds | -
3%₹396 Cr40,000,000
Birla Group Holdings Private Limited
Commercial Paper | -
3%₹393 Cr8,000
↑ 8,000
India (Republic of)
- | -
3%₹345 Cr35,000,000
↑ 35,000,000
National Bk For Agriculture & Rural Dev. **
Net Current Assets | -
3%₹319 Cr6,500
↑ 6,500
LIC Housing Finance Ltd
Commercial Paper | -
3%₹300 Cr6,000
↑ 6,000
91 DTB 17042025
Sovereign Bonds | -
3%₹298 Cr30,000,000
↓ -10,000,000
Motilal Oswal Financial Services Limited
Commercial Paper | -
3%₹295 Cr6,000
Net Receivables / (Payables)
CBLO | -
2%₹248 Cr
91 Days Tbill
Sovereign Bonds | -
2%₹248 Cr25,000,000

2. Aditya Birla Sun Life Savings Fund

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 CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (22 Apr 25) ₹541.107 ↑ 0.25   (0.05 %)
Net Assets (Cr) ₹13,294 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.09
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.75%
Effective Maturity 7 Months 28 Days
Modified Duration 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,634
31 Mar 22₹11,077
31 Mar 23₹11,676
31 Mar 24₹12,543
31 Mar 25₹13,517

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

DurationReturns
1 Month 1.1%
3 Month 2.2%
6 Month 4.1%
1 Year 7.9%
3 Year 7%
5 Year 6.3%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
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%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.7 Yr.
Kaustubh Gupta15 Jul 1113.64 Yr.
Monika Gandhi22 Mar 213.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash40.5%
Debt59.18%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate69.04%
Cash Equivalent24.5%
Government6.14%
Credit Quality
RatingValue
AA33.14%
AAA66.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Company Limited
Debentures | -
4%₹603 Cr60,000
Nirma Limited
Debentures | -
3%₹485 Cr48,500
364 DTB
Sovereign Bonds | -
3%₹471 Cr47,500,000
National Housing Bank
Debentures | -
3%₹400 Cr40,000
182 DTB 29082025
Sovereign Bonds | -
2%₹340 Cr35,000,000
Mankind Pharma Ltd
Debentures | -
2%₹305 Cr30,500
Avanse Financial Services Ltd 9.40%
Debentures | -
2%₹299 Cr30,000
Axis Bank Ltd.
Debentures | -
2%₹279 Cr6,000
↑ 6,000
ICICI Home Finance Company Limited
Debentures | -
2%₹270 Cr27,000
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹250 Cr25,000
↓ -5,000

3. Nippon India Ultra Short Duration Fund

(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 CAGR/Annualized return of 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (22 Apr 25) ₹3,979.96 ↑ 1.20   (0.03 %)
Net Assets (Cr) ₹6,498 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 1.08
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.73%
Effective Maturity 7 Months 1 Day
Modified Duration 5 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,494
31 Mar 22₹11,303
31 Mar 23₹11,890
31 Mar 24₹12,714
31 Mar 25₹13,630

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25

DurationReturns
1 Month 0.9%
3 Month 2%
6 Month 3.7%
1 Year 7.3%
3 Year 6.6%
5 Year 6.4%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
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%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 1311.42 Yr.
Kinjal Desai25 May 186.77 Yr.
Akshay Sharma1 Dec 222.25 Yr.

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

Asset Allocation
Asset ClassValue
Cash51.91%
Debt47.8%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate51.73%
Cash Equivalent36.55%
Government11.44%
Credit Quality
RatingValue
AA19.13%
AAA80.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹309 Cr3,100
India (Republic of)
- | -
3%₹242 Cr25,000,000
↑ 25,000,000
182 DTB 12062025
Sovereign Bonds | -
3%₹241 Cr24,500,000
Small Industries Development Bank Of India
Debentures | -
3%₹199 Cr2,000
Indinfravit Trust
Debentures | -
3%₹187 Cr19,500
Rec Limited
Debentures | -
2%₹182 Cr1,850
HDFC Credila Financial Services Ltd
Debentures | -
2%₹166 Cr16,500
Vedanta Limited
Debentures | -
2%₹165 Cr16,500
Canara Bank
Domestic Bonds | -
2%₹140 Cr3,000
↑ 3,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹125 Cr12,500

4. UTI Ultra Short Term Fund

(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 CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (22 Apr 25) ₹4,188.54 ↑ 0.83   (0.02 %)
Net Assets (Cr) ₹3,143 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 0.91
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.57%
Effective Maturity 6 Months 23 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,498
31 Mar 22₹11,148
31 Mar 23₹11,703
31 Mar 24₹12,516
31 Mar 25₹13,414

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Ultra 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 22 Apr 25

DurationReturns
1 Month 0.9%
3 Month 2%
6 Month 3.7%
1 Year 7.3%
3 Year 6.5%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
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%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jan 250.19 Yr.

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

Asset Allocation
Asset ClassValue
Cash62.89%
Debt36.86%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate51.62%
Cash Equivalent38.62%
Government9.52%
Credit Quality
RatingValue
AA20.97%
AAA79.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bajaj Housing Finance Limited
Debentures | -
3%₹100 Cr1,000
182 Days Tbill
Sovereign Bonds | -
3%₹97 Cr1,000,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹75 Cr750
LIC Housing Finance Ltd
Debentures | -
2%₹75 Cr750
Shriram Transport Finance Company Limited
Debentures | -
2%₹50 Cr5,000
India Grid TRust
Debentures | -
2%₹50 Cr500
Small Industries Development Bank Of India
Debentures | -
2%₹50 Cr500
↑ 500
HDFC Bank Limited
Debentures | -
2%₹50 Cr5,000
Avanse Financial Services Limited
Debentures | -
2%₹50 Cr500
Can Fin Homes Limited
Debentures | -
1%₹50 Cr500

5. ICICI Prudential Ultra Short Term Fund

(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 CAGR/Annualized return of 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (22 Apr 25) ₹27.3475 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹12,674 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 1.69
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 7 Months 28 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,589
31 Mar 22₹11,009
31 Mar 23₹11,594
31 Mar 24₹12,428
31 Mar 25₹13,344

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra 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 22 Apr 25

DurationReturns
1 Month 1%
3 Month 2.1%
6 Month 3.8%
1 Year 7.5%
3 Year 6.8%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
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%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 168.3 Yr.
Ritesh Lunawat15 Jun 177.72 Yr.

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

Asset Allocation
Asset ClassValue
Cash45.31%
Debt54.4%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate56.83%
Cash Equivalent24.3%
Government18.59%
Credit Quality
RatingValue
AA20.39%
AAA79.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2028
Sovereign Bonds | -
4%₹583 Cr58,000,000
↑ 10,000,000
India (Republic of)
- | -
4%₹484 Cr50,000,000
↑ 50,000,000
LIC Housing Finance Limited
Debentures | -
3%₹434 Cr4,350
Bharti Telecom Limited
Debentures | -
3%₹351 Cr35,000
↑ 2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹304 Cr30,500
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹299 Cr3,000
Small Industries Development Bank Of India
Debentures | -
2%₹299 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹249 Cr2,500
LIC Housing Finance Limited
Debentures | -
2%₹225 Cr2,250
↓ -500
Oberoi Realty Ltd.
Debentures | -
2%₹200 Cr20,000

Conclusion

To conclude, it can be said that both ultra short term funds and liquid funds have their own set of characteristics. However, people while choosing any scheme should check and ensure whether the scheme is in-line with their determined objective. They should also check the modalities of the scheme completely. Moreover, they may even consult a financial advisor if required to ensure that their investment helps them to attain their desired objectives.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Harsh, posted on 3 Dec 18 1:27 AM

Great alternative for FD - Fixed Deposit Investment. Nice article explains each fund very well.

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