Table of Contents
ریکرنگ ڈپازٹ بمقابلہ فکسڈ ڈپازٹ: کون سا بہتر ہے؟
ریکرنگ ڈپازٹ بمقابلہ فکسڈ ڈپازٹ؟ سوچ رہے ہو کہ اپنا پیسہ کہاں بچانا ہے؟ ٹھیک ہے، کئی بار، سرمایہ کار اس الجھن میں پڑ جاتے ہیں کہ آیا ریکرنگ ڈپازٹ (RD) میں سرمایہ کاری کرنا ہے یا فکسڈ ڈپازٹ (ایف ڈی)۔ اگرچہ یہ سب سے زیادہ مقبول بچتی اسکیمیں ہیں، خاص طور پر خطرے سے بچنے والے سرمایہ کاروں کے درمیان، یہ سمجھنا ضروری ہے کہ RD اور FD ایک دوسرے سے کیسے مختلف ہیں اور کون سی بہتر ہے۔سرمایہ کاری اختیار
اعادی جمع (RD)
آر ڈی ایک ہے۔مالیاتی آلہ بنیادی طور پر بچت کی حوصلہ افزائی کی طرف ہدایت کی گئی ہے۔ اس اسکیم میں، سرمایہ کاروں کو ہر ماہ ایک مخصوص رقم بچانے کی لچک ہوتی ہے۔بینککا یا مالیاتی ادارے کا RD اکاؤنٹ پہلے سے طے شدہ مدت کے لیے ہے اور اس رقم پر سود حاصل کرتا ہے۔ میچورٹی پر، اصل رقم کے ساتھ سود ادا کیا جاتا ہے۔
فکسڈ ڈپازٹ (FD)
فکسڈ ڈپازٹ ایک قسم کے مالیاتی آلات ہیں جو بینکوں کی طرف سے ایک مقررہ پہلے سے طے شدہ مدت کے لیے فراہم کیے جاتے ہیں اورسود کی مقررہ شرح. اس اسکیم میں، FD اکاؤنٹ بناتے وقت ایک بار ایک مقررہ رقم جمع کی جاتی ہے۔ میعاد کے اختتام پر، منتخب مدت کے لیے سود کی رقم کا حساب اصل رقم کے ساتھ کیا جاتا ہے اور کل رقم مجموعی طور پر ادا کی جاتی ہے۔
ریکرنگ ڈپازٹ بمقابلہ فکسڈ ڈپازٹ
| پیرامیٹرز | اعادی جمع (RD) | فکسڈ ڈپازٹ (FD) |
|---|---|---|
| دور | RD کی مدت عام طور پر 6 ماہ سے 10 سال تک ہوتی ہے۔ | ایف ڈی اسکیم کی مدت 7 دن سے 10 سال کے درمیان ہے۔ |
| سود کا حساب | مرکب RD اسکیم کے لیے عام طور پر ہر سہ ماہی میں دلچسپی ہوتی ہے۔ | FD میں، مرکب سود کا حساب ہر سال جمع ہونے والے سود پر کیا جاتا ہے۔ |
| اہلیت | تمام رہائشی ہندوستانی اور ہندو غیر منقسم خاندان (HUFs) RD اکاؤنٹ کھولنے کے اہل ہیں۔ یہ اکاؤنٹ نابالغوں کے لیے ان کے والدین یا قانونی سرپرست بھی کھول سکتے ہیں۔ | تمام رہائشی ہندوستانی اور ہندو غیر منقسم خاندان (HUFs) فکسڈ ڈپازٹ اکاؤنٹ کھولنے کے اہل ہیں |
| ٹیکس فوائد | اس اسکیم میں کوئی ٹیکس فائدہ نہیں دیا جاتا ہے۔ | فکسڈ ڈپازٹ کے لیے، کے تحت ٹیکس چھوٹسیکشن 80 سی کیانکم ٹیکس ایکٹ 1961 لاگو ہے۔ یہ 5 سال سے زیادہ کے ڈپازٹس پر لاگو ہوتا ہے (موجودہ قوانین کے مطابق) |
| واپسی کی شرح | شرح سود FD جیسی ہے لیکن عام طور پر مدت اور ماہانہ سرمایہ کاری کی رقم پر منحصر ہوتی ہے۔ | شرح سود RD جیسی ہے لیکن اس پر منحصر ہے۔سرمایہ اور مدت کا انتخاب کیا۔ |
| اضافی فوائد | زیادہ تر بینک ڈپازٹ ویلیو کے 90% تک قرضے پیش کرتے ہیں۔ | زیادہ تر بینک ڈپازٹ ویلیو کے 70% - 90% تک قرضے پیش کرتے ہیں۔ |
| واپسی | کچھ صورتوں میں، بغیر کسی جرمانے کے قبل از وقت واپسی کی اجازت ہے۔ جبکہ کچھ بینک جرمانہ وصول کر سکتے ہیں۔ | جرمانے کے ساتھ قبل از وقت واپسی کی اجازت ہے۔ |
| آمدنی دلچسپی | RD پر حاصل کردہ سود قابل ٹیکس ہے اور زیادہ تر بینک TDS کاٹتے ہیں۔ | FD پر حاصل ہونے والا سود قابل ٹیکس ہے اور زیادہ تر بینک TDS کاٹتے ہیں۔ |
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ریکرنگ ڈپازٹ بمقابلہ فکسڈ ڈپازٹ: مزید کہاں سے کمایا جائے؟
چونکہ RD اور FD دونوں خطرے سے بچنے والے سرمایہ کاروں کے لیے موزوں ہیں، اس لیے حتمی انتخاب کسی کی ضروریات پر منحصر ہے۔ ایک FD اکاؤنٹ میں، سود کو جمع کی گئی ابتدائی یکمشت رقم پر مرکب کیا جاتا ہے۔ پوری جمع شدہ رقم ایک سال کے لیے سود حاصل کرتی ہے۔ تاہم، RD میں، صرف 1st ڈپازٹ ہی پہلے سال، یعنی 12 ماہ کے لیے سود حاصل کرتا ہے۔ دوسرا ڈپازٹ 11 ماہ کے لیے سود حاصل کرتا ہے، تیسرا 10 ماہ کے لیے، وغیرہ۔ مرکب اثر فکسڈ ڈپازٹس کو سرمایہ کاروں کے لیے زیادہ منافع پیدا کرنے کے قابل بناتا ہے۔
اگرچہ وقت گزرنے کے ساتھ، کوئی بھی فکسڈ ڈپازٹ کے ساتھ زیادہ پیسے کما سکتا ہے (مثال کے طور پر ذیل میں دکھایا گیا ہے)، لیکن اس میں ریکرینگ ڈپازٹ اکاؤنٹ کی لچک نہیں ہوتی ہے کہ وہ ماہانہ چھوٹی رقم جمع کر سکے۔ لہذا، وہ لوگ جن کے پاس سرمایہ کاری کرنے کے لیے یکمشت رقم نہیں ہے وہ ماہانہ سرمایہ کاری کو ترجیح دے سکتے ہیں۔
بہتر تفہیم کے لیے، ہم نے دونوں اسکیموں میں فرق کو واضح کیا ہے۔ لہذا صارفین واضح طور پر سمجھ سکتے ہیں اور اچھی طرح سے انتخاب کرسکتے ہیں۔
مثال:
آئیے فرض کریں کہ آپ سرمایہ کاری کرتے ہیں۔1000 روپے (ایک سال کے لیے ماہانہ) بار بار جمع ہونے والی جمع میں اور آپ نے یکمشت رقم کی سرمایہ کاری کی ہے۔12 روپے،000 سال کے آغاز میں فکسڈ ڈپازٹ میں۔ یہ دونوں پروڈکٹس آپ کو 9 فیصد سود کے ساتھ سہ ماہی کے حساب سے پیش کرتے ہیں۔ تو،کمائی ان دونوں اسکیموں میں سے ذیل میں دیا گیا ہے۔
| تفصیلات | اعادی جمع (RD) | فکسڈ ڈپازٹ (FD) |
|---|---|---|
| سرمایہ کاری کی گئی رقم | INR 5,000 (ماہانہ) | INR 60,000 ( یکمشت) |
| دور | 12 ماہ | 12 ماہ |
| سالانہ شرح سود | 6% | 6% |
| کمائی گئی کل رقم | INR 61,986 | INR 63,701 |
| خالص منافع | INR 1,986 | INR 3,701 |
اب جب آپ RD اور FD کے درمیان اہم فرق جانتے ہیں، تو آپ ایک کا انتخاب کر سکتے ہیں اور سمجھداری سے سرمایہ کاری کر سکتے ہیں۔ اگرچہ FD RD کے مقابلے میں بہتر ترقی دیتا ہے، زیادہ تر وقت، یہ ممکن نہیں ہوتا کہ کسی ایک آلے کے لیے آپ کی تمام ضروریات کو پورا کیا جا سکے۔ لہذا، جب آپ کے پاس سرمایہ کاری کرنے کے لیے یکمشت رقم نہیں ہے، تو آپ ہر ماہ اپنی آمدنی سے تھوڑی سی رقم بچا سکتے ہیں اور بار بار جمع ہونے والی جمع میں سرمایہ کاری کر سکتے ہیں!
دوسرے متبادل
مائع / الٹرا شارٹ ڈیبٹ میوچل فنڈز
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 Below is the key information for LIC MF Liquid 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 Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (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 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 Reliance Liquid Fund - Treasury 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 Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on (Erstwhile Kotak Treasury Advantage Fund) The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved. Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a Below is the key information for Kotak Savings Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on 1. LIC MF Liquid Fund
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% . 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.
Date Value 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 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 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
Year Returns 2023 7.4% 2022 7% 2021 4.7% 2020 3.3% 2019 4.3% 2018 6.5% 2017 7.3% 2016 6.6% 2015 7.6% 2014 8.4% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 9.49 Yr. Data below for LIC MF Liquid Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 99.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 75.98% Corporate 18.6% Government 5.18% Credit Quality
Rating Value AA 1.69% AAA 98.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Bank Ltd.
Certificate of Deposit | -4% ₹420 Cr 8,500 91 Days Tbill Red 08-05-2025
Sovereign Bonds | -3% ₹396 Cr 40,000,000 Birla Group Holdings Private Limited
Commercial Paper | -3% ₹393 Cr 8,000
↑ 8,000 India (Republic of)
- | -3% ₹345 Cr 35,000,000
↑ 35,000,000 National Bk For Agriculture & Rural Dev. **
Net Current Assets | -3% ₹319 Cr 6,500
↑ 6,500 LIC Housing Finance Ltd
Commercial Paper | -3% ₹300 Cr 6,000
↑ 6,000 91 DTB 17042025
Sovereign Bonds | -3% ₹298 Cr 30,000,000
↓ -10,000,000 Motilal Oswal Financial Services Limited
Commercial Paper | -3% ₹295 Cr 6,000 Net Receivables / (Payables)
CBLO | -2% ₹248 Cr 91 Days Tbill
Sovereign Bonds | -2% ₹248 Cr 25,000,000 2. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . 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.
Date Value 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 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 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
Year Returns 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% 2014 8.9% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 10.7 Yr. Kaustubh Gupta 15 Jul 11 13.64 Yr. Monika Gandhi 22 Mar 21 3.95 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 40.5% Debt 59.18% Other 0.32% Debt Sector Allocation
Sector Value Corporate 69.04% Cash Equivalent 24.5% Government 6.14% Credit Quality
Rating Value AA 33.14% AAA 66.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Company Limited
Debentures | -4% ₹603 Cr 60,000 Nirma Limited
Debentures | -3% ₹485 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹471 Cr 47,500,000 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 182 DTB 29082025
Sovereign Bonds | -2% ₹340 Cr 35,000,000 Mankind Pharma Ltd
Debentures | -2% ₹305 Cr 30,500 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹299 Cr 30,000 Axis Bank Ltd.
Debentures | -2% ₹279 Cr 6,000
↑ 6,000 ICICI Home Finance Company Limited
Debentures | -2% ₹270 Cr 27,000 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹250 Cr 25,000
↓ -5,000 3. Nippon India Ultra Short Duration Fund
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% . 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.
Date Value 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 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 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
Year Returns 2023 7.2% 2022 6.7% 2021 4.6% 2020 7.8% 2019 4.9% 2018 0.9% 2017 7.3% 2016 5.8% 2015 6.8% 2014 7.6% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 11.42 Yr. Kinjal Desai 25 May 18 6.77 Yr. Akshay Sharma 1 Dec 22 2.25 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 51.91% Debt 47.8% Other 0.28% Debt Sector Allocation
Sector Value Corporate 51.73% Cash Equivalent 36.55% Government 11.44% Credit Quality
Rating Value AA 19.13% AAA 80.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹309 Cr 3,100 India (Republic of)
- | -3% ₹242 Cr 25,000,000
↑ 25,000,000 182 DTB 12062025
Sovereign Bonds | -3% ₹241 Cr 24,500,000 Small Industries Development Bank Of India
Debentures | -3% ₹199 Cr 2,000 Indinfravit Trust
Debentures | -3% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹182 Cr 1,850 HDFC Credila Financial Services Ltd
Debentures | -2% ₹166 Cr 16,500 Vedanta Limited
Debentures | -2% ₹165 Cr 16,500 Canara Bank
Domestic Bonds | -2% ₹140 Cr 3,000
↑ 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹125 Cr 12,500 4. UTI Ultra Short Term Fund
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% . 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.
Date Value 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 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 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
Year Returns 2023 7.2% 2022 6.7% 2021 4.2% 2020 6.1% 2019 5.3% 2018 3.3% 2017 7% 2016 6.6% 2015 8.9% 2014 8.5% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Anurag Mittal 21 Jan 25 0.19 Yr. Data below for UTI Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 62.89% Debt 36.86% Other 0.25% Debt Sector Allocation
Sector Value Corporate 51.62% Cash Equivalent 38.62% Government 9.52% Credit Quality
Rating Value AA 20.97% AAA 79.03% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Housing Finance Limited
Debentures | -3% ₹100 Cr 1,000 182 Days Tbill
Sovereign Bonds | -3% ₹97 Cr 1,000,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹75 Cr 750 LIC Housing Finance Ltd
Debentures | -2% ₹75 Cr 750 Shriram Transport Finance Company Limited
Debentures | -2% ₹50 Cr 5,000 India Grid TRust
Debentures | -2% ₹50 Cr 500 Small Industries Development Bank Of India
Debentures | -2% ₹50 Cr 500
↑ 500 HDFC Bank Limited
Debentures | -2% ₹50 Cr 5,000 Avanse Financial Services Limited
Debentures | -2% ₹50 Cr 500 Can Fin Homes Limited
Debentures | -1% ₹50 Cr 500 5. ICICI Prudential Ultra Short Term Fund
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% . 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.
Date Value 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 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 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
Year Returns 2023 7.5% 2022 6.9% 2021 4.5% 2020 4% 2019 6.5% 2018 8.4% 2017 7.5% 2016 6.9% 2015 9.8% 2014 9.1% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 8.3 Yr. Ritesh Lunawat 15 Jun 17 7.72 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 45.31% Debt 54.4% Other 0.29% Debt Sector Allocation
Sector Value Corporate 56.83% Cash Equivalent 24.3% Government 18.59% Credit Quality
Rating Value AA 20.39% AAA 79.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2028
Sovereign Bonds | -4% ₹583 Cr 58,000,000
↑ 10,000,000 India (Republic of)
- | -4% ₹484 Cr 50,000,000
↑ 50,000,000 LIC Housing Finance Limited
Debentures | -3% ₹434 Cr 4,350 Bharti Telecom Limited
Debentures | -3% ₹351 Cr 35,000
↑ 2,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹304 Cr 30,500 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹299 Cr 3,000 Small Industries Development Bank Of India
Debentures | -2% ₹299 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹249 Cr 2,500 LIC Housing Finance Limited
Debentures | -2% ₹225 Cr 2,250
↓ -500 Oberoi Realty Ltd.
Debentures | -2% ₹200 Cr 20,000 6. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (22 Apr 25) ₹2,664.57 ↑ 0.59 (0.02 %) Net Assets (Cr) ₹859 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.49% Effective Maturity 7 Months 2 Days Modified Duration 6 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,449 31 Mar 22 ₹10,784 31 Mar 23 ₹11,305 31 Mar 24 ₹12,113 31 Mar 25 ₹12,995 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 3.8% 1 Year 7.4% 3 Year 6.6% 5 Year 5.4% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.5% 2022 6.6% 2021 4.1% 2020 3% 2019 5.1% 2018 7.6% 2017 7.3% 2016 7.1% 2015 9.1% 2014 8.3% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 5.24 Yr. Vikas Garg 27 Jul 21 3.68 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 42.85% Debt 56.81% Other 0.34% Debt Sector Allocation
Sector Value Corporate 52.93% Cash Equivalent 30.8% Government 15.92% Credit Quality
Rating Value AA 26.25% AAA 73.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 15052025
Sovereign Bonds | -4% ₹49 Cr 5,000,000
↑ 5,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹40 Cr 4,000,000 Export Import Bank Of India
Debentures | -4% ₹40 Cr 4,000,000 Small Industries Development Bank Of India
Debentures | -3% ₹35 Cr 3,500,000 Ongc Petro Additions Limited
Debentures | -3% ₹30 Cr 3,000,000 Export Import Bank Of India
Debentures | -3% ₹30 Cr 3,000,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 Godrej Industries Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 Torrent Power Limited
Debentures | -2% ₹25 Cr 2,500,000 7. Principal Ultra Short Term Fund
CAGR/Annualized return of 5.8% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2024 was 6.4% , 2023 was 6.1% and 2022 was 3.7% . Principal Ultra Short Term Fund
Growth Launch Date 28 Dec 07 NAV (22 Apr 25) ₹2,657.23 ↑ 0.50 (0.02 %) Net Assets (Cr) ₹1,723 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆ Risk Moderately Low Expense Ratio 1.41 Sharpe Ratio -2.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.35% Effective Maturity 7 Months 22 Days Modified Duration 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,344 31 Mar 22 ₹10,630 31 Mar 23 ₹11,112 31 Mar 24 ₹11,801 31 Mar 25 ₹12,561 Returns for Principal Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 0.9% 3 Month 1.9% 6 Month 3.4% 1 Year 6.6% 3 Year 5.9% 5 Year 4.7% 10 Year 15 Year Since launch 5.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.4% 2022 6.1% 2021 3.7% 2020 2.7% 2019 4.1% 2018 6.5% 2017 1.2% 2016 6.3% 2015 7.9% 2014 8.8% Fund Manager information for Principal Ultra Short Term Fund
Name Since Tenure Dwijendra Srivastava 16 May 22 2.88 Yr. Sandeep Agarwal 1 Jan 22 3.25 Yr. Data below for Principal Ultra Short Term Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 83.85% Debt 15.9% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 51.47% Corporate 42.96% Government 5.33% Credit Quality
Rating Value AA 14.7% AAA 85.3% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharti Telecom Limited
Debentures | -3% ₹70 Cr 7,000 Rural Electrification Corporation Limited
Debentures | -2% ₹55 Cr 5,500 Bank of India Ltd.
Debentures | -2% ₹49 Cr 1,000
↑ 1,000 182 Days Tbill Red 23-05-2025
Sovereign Bonds | -2% ₹40 Cr 4,000,000 Shriram Finance Limited
Debentures | -1% ₹30 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 2,500 Hdb Financial Services Limited
Debentures | -1% ₹25 Cr 250 182 Days Tbill (Md 01/05/2025)
Sovereign Bonds | -1% ₹25 Cr 2,500,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹25 Cr 250 Canara Bank
Domestic Bonds | -1% ₹23 Cr 500
↑ 500 8. Nippon India Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 11 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (22 Apr 25) ₹6,297.83 ↑ 1.07 (0.02 %) Net Assets (Cr) ₹28,241 on 31 Mar 25 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.66 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 1 Month 21 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,363 31 Mar 22 ₹10,709 31 Mar 23 ₹11,308 31 Mar 24 ₹12,117 31 Mar 25 ₹12,999 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 0.7% 3 Month 1.9% 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
Year Returns 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% 2014 8.3% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Siddharth Deb 1 Mar 22 3 Yr. Kinjal Desai 25 May 18 6.77 Yr. Vikash Agarwal 14 Sep 24 0.46 Yr. Data below for Nippon India Liquid Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 73.68% Corporate 18.93% Government 7.17% Credit Quality
Rating Value AA 0.12% AAA 99.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -7% -₹2,264 Cr 91 DTB 30052025
Sovereign Bonds | -3% ₹987 Cr 100,000,000 India (Republic of)
- | -3% ₹985 Cr 100,000,000
↑ 100,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹737 Cr 15,000
↑ 15,000 91 Days Tbill
Sovereign Bonds | -2% ₹685 Cr 69,216,000 India (Republic of)
- | -2% ₹641 Cr 65,000,000
↑ 65,000,000 Reverse Repo
CBLO/Reverse Repo | -2% ₹635 Cr Biocon Ltd
Commercial Paper | -2% ₹564 Cr 11,400 HDFC Bank Limited
Certificate of Deposit | -2% ₹542 Cr 11,000 Bank Of Baroda
Certificate of Deposit | -2% ₹540 Cr 11,000
↑ 11,000 9. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (22 Apr 25) ₹42.3589 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹11,873 on 31 Mar 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 6 Months 14 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,510 31 Mar 22 ₹10,871 31 Mar 23 ₹11,437 31 Mar 24 ₹12,236 31 Mar 25 ₹13,117 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 3.8% 1 Year 7.4% 3 Year 6.6% 5 Year 5.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.2% 2022 6.8% 2021 4.5% 2020 3.2% 2019 5.8% 2018 7.8% 2017 7.4% 2016 6.7% 2015 8.2% 2014 8.6% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 16.89 Yr. Manu Sharma 1 Nov 22 2.33 Yr. Data below for Kotak Savings Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 59.38% Debt 40.3% Other 0.31% Debt Sector Allocation
Sector Value Corporate 59.06% Cash Equivalent 24.21% Government 16.42% Credit Quality
Rating Value AA 9.91% AAA 90.09% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 15052025
Sovereign Bonds | -4% ₹495 Cr 50,000,000 Rural Electrification Corporation Limited
Debentures | -4% ₹474 Cr 47,500 Mankind Pharma Ltd
Debentures | -2% ₹300 Cr 30,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹299 Cr 30,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹229 Cr 2,300 Bharti Telecom Limited
Debentures | -2% ₹226 Cr 2,250 08.49 Tn SDL 2026
Sovereign Bonds | -2% ₹204 Cr 20,080,000 Vedanta Limited
Debentures | -2% ₹199 Cr 20,000 Axis Bank Ltd.
Debentures | -1% ₹186 Cr 20,000
↑ 20,000 Small Industries Development Bank of India
Debentures | -1% ₹186 Cr 20,000
↑ 20,000 10. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (22 Apr 25) ₹5,901.32 ↑ 1.35 (0.02 %) Net Assets (Cr) ₹12,470 on 31 Mar 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 1.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.28% Effective Maturity 8 Months 16 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,516 31 Mar 22 ₹10,893 31 Mar 23 ₹11,453 31 Mar 24 ₹12,277 31 Mar 25 ₹13,186 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 3.8% 1 Year 7.5% 3 Year 6.7% 5 Year 5.7% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7% 2021 4.5% 2020 3.4% 2019 5.9% 2018 8% 2017 7.9% 2016 6.6% 2015 7.7% 2014 8.3% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Rajeev Radhakrishnan 27 Dec 24 0.26 Yr. Ardhendu Bhattacharya 1 Dec 23 1.33 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 61.18% Debt 38.53% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 46.36% Corporate 33.97% Government 19.38% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 31072025
Sovereign Bonds | -4% ₹454 Cr 46,500,000
↓ -3,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹421 Cr 4,250 7.3% Govt Stock 2028
Sovereign Bonds | -4% ₹417 Cr 41,500,000
↓ -16,500,000 Power Finance Corporation Limited
Debentures | -3% ₹384 Cr 3,850 Hdb Financial Services Limited
Debentures | -3% ₹345 Cr 34,500 INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -3% ₹340 Cr 400 Citicorp Finance (India) Limited
Debentures | -2% ₹250 Cr 25,000 Rec Limited
Debentures | -2% ₹241 Cr 2,450 Tata Capital Housing Finance Limited
Debentures | -2% ₹220 Cr 2,200 08.18 HR UDAY 2025
Domestic Bonds | -2% ₹211 Cr 21,000,000
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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