ریکرنگ ڈپازٹ بمقابلہ فکسڈ ڈپازٹ: کون سا بہتر ہے؟

Updated on June 18, 2026 , 10935 views

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

1. 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹19,611 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.20% (upper mid).
1M return: 0.70% (upper mid).
Sharpe: 0.52 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.98% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~72%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~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 (19 Jun 26)	₹581.802 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹19,611 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.98%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,375
31 May 23	₹11,037
31 May 24	₹11,857
31 May 25	₹12,812
31 May 26	₹13,570

Aditya Birla Sun Life Savings 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 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 19 Jun 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3%
1 Year	6.2%
3 Year	7.2%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.96 Yr.
Kaustubh Gupta	15 Jul 11	14.89 Yr.
Monika Gandhi	22 Mar 21	5.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	28.11%
Debt	71.56%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	70.53%
Government	19.93%
Cash Equivalent	9.22%

Credit Quality

Rating	Value
AA	32.23%
AAA	67.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹982 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹743 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹607 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹537 Cr	11,000
Bharti Telecom Limited Debentures \| -	2%	₹395 Cr	40,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹388 Cr	39,000
Muthoot Finance Limited Debentures \| -	2%	₹348 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹326 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000

2. Kotak Savings Fund

(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.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹16,186 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 5.84% (bottom quartile).
1M return: 0.62% (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.90% (top quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.51 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~56%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.5%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (19 Jun 26)	₹45.342 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹16,186 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.9%
Effective Maturity	6 Months 4 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,327
31 May 23	₹10,956
31 May 24	₹11,718
31 May 25	₹12,586
31 May 26	₹13,284

Kotak Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Kotak 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 19 Jun 26

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	2.9%
1 Year	5.8%
3 Year	6.7%
5 Year	6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	18.14 Yr.
Manu Sharma	1 Nov 22	3.58 Yr.

Data below for Kotak Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	55.58%
Debt	44.14%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	61.77%
Cash Equivalent	20.52%
Government	17.43%

Credit Quality

Rating	Value
AA	14.98%
AAA	85.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹575 Cr	57,500
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹443 Cr	45,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹435 Cr	43,500
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
Muthoot Finance Limited Debentures \| -	2%	₹299 Cr	30,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹247 Cr	25,000,000
6.16% Govt Stock 2028 Sovereign Bonds \| -	1%	₹227 Cr	22,500,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	1%	₹205 Cr	210
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000

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.

Research Highlights for Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹10,938 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.01% (bottom quartile).
1M return: 0.69% (upper mid).
Sharpe: 0.34 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.83% (upper mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.5%).

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 (19 Jun 26)	₹4,266.59 ↑ 0.66 (0.02 %)
Net Assets (Cr)	₹10,938 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.83%
Effective Maturity	7 Months 3 Days
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,737
31 May 23	₹11,385
31 May 24	₹12,171
31 May 25	₹13,069
31 May 26	₹13,823

Nippon India Ultra Short Duration 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 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 19 Jun 26

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	3.1%
1 Year	6%
3 Year	6.8%
5 Year	6.6%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
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%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.67 Yr.
Kinjal Desai	25 May 18	8.02 Yr.
Akshay Sharma	1 Dec 22	3.5 Yr.
Amber Singhania	11 Mar 26	0.22 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	48.82%
Debt	50.9%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	66.96%
Cash Equivalent	19.51%
Government	13.25%

Credit Quality

Rating	Value
AA	29.3%
AAA	70.7%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	3%	₹394 Cr	40,000,000
India (Republic of) - \| -	2%	₹272 Cr	27,500,000 ↑ 27,500,000
Tbill Sovereign Bonds \| -	2%	₹246 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹240 Cr	24,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹240 Cr	2,400
TATA Communications Limited Debentures \| -	2%	₹225 Cr	22,500
Bajaj Housing Finance Limited Debentures \| -	2%	₹200 Cr	2,000 ↑ 2,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹200 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹199 Cr	2,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹188 Cr	4,000

4. 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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,002 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.11% (lower mid).
1M return: 0.73% (top quartile).
Sharpe: 0.53 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~6.1%).

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 (19 Jun 26)	₹29.3702 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹16,002 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	0.53
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	7.79%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,361
31 May 23	₹11,003
31 May 24	₹11,791
31 May 25	₹12,687
31 May 26	₹13,432

ICICI Prudential Ultra 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 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 19 Jun 26

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	3%
1 Year	6.1%
3 Year	7%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.1%
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%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.55 Yr.
Ritesh Lunawat	15 Jun 17	8.97 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	73.48%
Debt	26.22%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	62.12%
Cash Equivalent	40.21%

Credit Quality

Rating	Value
AA	17.61%
AAA	82.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	6%	₹992 Cr	100,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹350 Cr	35,000 ↑ 35,000
Vedanta Limited Debentures \| -	2%	₹341 Cr	34,000 ↓ -1,000
HDFC Bank Ltd. Debentures \| -	2%	₹341 Cr	7,000
6.16% Govt Stock 2028 Sovereign Bonds \| -	2%	₹310 Cr	30,773,600
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹296 Cr	300
Muthoot Finance Limited Debentures \| -	2%	₹276 Cr	27,500
AU Small Finance Bank Ltd. Debentures \| -	1%	₹239 Cr	5,000
Rec Limited Debentures \| -	1%	₹235 Cr	23,500 ↑ 2,500
Piramal Finance Limited Debentures \| -	1%	₹231 Cr	23,000

5. SBI Magnum Ultra Short Duration Fund

(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.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹11,861 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.02% (lower mid).
1M return: 0.70% (top quartile).
Sharpe: 0.40 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.77% (upper mid).
Modified duration: 0.43 yrs (bottom quartile).
Average maturity: 0.71 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~8.0%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (19 Jun 26)	₹6,328.71 ↑ 0.67 (0.01 %)
Net Assets (Cr)	₹11,861 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	0.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	8 Months 16 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,326
31 May 23	₹10,966
31 May 24	₹11,751
31 May 25	₹12,644
31 May 26	₹13,371

SBI Magnum Ultra Short Duration 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 Magnum 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 19 Jun 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3%
1 Year	6%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7%
2024	7.4%
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	1.05 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	68.09%
Debt	31.53%
Other	0.38%

Debt Sector Allocation

Sector	Value
Corporate	63.08%
Government	20.09%
Cash Equivalent	16.45%

Credit Quality

Rating	Value
AA	15.4%
AAA	84.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	8%	₹1,015 Cr	102,500,000
TATA Communications Limited Debentures \| -	4%	₹550 Cr	55,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹329 Cr	7,000
Adani Power Limited Debentures \| -	2%	₹297 Cr	30,000
LIC Housing Finance Ltd Debentures \| -	2%	₹275 Cr	27,500 ↑ 27,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹249 Cr	255
Muthoot Finance Limited Debentures \| -	2%	₹224 Cr	22,500
Tbill Sovereign Bonds \| -	2%	₹198 Cr	20,000,000
Oberoi Realty Limited Debentures \| -	1%	₹166 Cr	20,000
Eris Lifesciences Limited Debentures \| -	1%	₹151 Cr	15,000

6. Invesco India Ultra Short Term Fund

(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.

Research Highlights for Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,197 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 5.90% (bottom quartile).
1M return: 0.67% (upper mid).
Sharpe: 0.21 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.53% (lower mid).
Modified duration: 0.42 yrs (lower mid).
Average maturity: 0.43 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~70%).
High-quality debt (AAA/AA ~100%).
Largest holding Rec Limited (~3.9%).

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (19 Jun 26)	₹2,853.55 ↑ 0.26 (0.01 %)
Net Assets (Cr)	₹1,197 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	5 Months 6 Days
Modified Duration	5 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,290
31 May 23	₹10,891
31 May 24	₹11,664
31 May 25	₹12,534
31 May 26	₹13,248

Invesco India Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Invesco India 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 19 Jun 26

Duration	Returns
1 Month	0.7%
3 Month	1.7%
6 Month	3%
1 Year	5.9%
3 Year	6.8%
5 Year	5.9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.8%
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	6.41 Yr.
Vikas Garg	27 Jul 21	4.85 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	69.91%
Debt	29.78%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	59.52%
Cash Equivalent	27.41%
Government	12.76%

Credit Quality

Rating	Value
AA	16.84%
AAA	83.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	4%	₹50 Cr	5,000,000
17/09/2026 Maturing 364 DTB Sovereign Bonds \| -	4%	₹49 Cr	5,000,000
TVS Credit Services Limited Debentures \| -	3%	₹40 Cr	4,000,000
Federal Bank Ltd. Debentures \| -	3%	₹39 Cr	4,000,000 ↑ 4,000,000
India (Republic of) - \| -	3%	₹35 Cr	3,500,000 ↑ 3,500,000
Tbill Sovereign Bonds \| -	3%	₹34 Cr	3,500,000
Manappuram Finance Limited Debentures \| -	2%	₹28 Cr	2,800,000
Piramal Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
Sundaram Home Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000

7. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Research Highlights for Aditya Birla Sun Life Liquid Fund

Highest AUM (₹47,520 Cr).
Established history (22+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.24% (top quartile).
1M return: 0.63% (lower mid).
Sharpe: 2.20 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.01% (lower mid).
Modified duration: 0.13 yrs (upper mid).
Average maturity: 0.14 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~4.0%).

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

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (19 Jun 26)	₹446.247 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹47,520 on 31 May 26
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	2.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	1 Month 20 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,345
31 May 23	₹10,996
31 May 24	₹11,793
31 May 25	₹12,647
31 May 26	₹13,424

Aditya Birla Sun Life Liquid 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 Aditya Birla Sun Life 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 19 Jun 26

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.3%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7.1%
2022	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	14.89 Yr.
Kaustubh Gupta	15 Jul 11	14.89 Yr.
Sanjay Pawar	1 Jul 22	3.92 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	98.56%
Debt	1.21%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.74%
Corporate	18.02%
Government	11.01%

Credit Quality

Rating	Value
AA	0.16%
AAA	99.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹2,438 Cr	244,000,000
India (Republic of) - \| -	3%	₹2,127 Cr	215,312,800 ↑ 215,312,800
India (Republic of) - \| -	3%	₹1,995 Cr	200,000,000
India (Republic of) - \| -	3%	₹1,554 Cr	157,397,500 ↑ 157,397,500
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹1,511 Cr
Punjab National Bank Debentures \| -	2%	₹1,218 Cr	24,500 ↑ 24,500
Rbl Bank Limited Certificate of Deposit \| -	2%	₹995 Cr	20,000 ↑ 20,000
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹990 Cr	100,000,000 ↑ 100,000,000
Bank of Baroda Debentures \| -	2%	₹983 Cr	20,000 ↑ 20,000
PNb Housing Finance Ltd Commercial Paper \| -	2%	₹970 Cr	19,500

8. Nippon India Liquid Fund

(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.

Research Highlights for Nippon India Liquid Fund

Top quartile AUM (₹31,752 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.21% (upper mid).
1M return: 0.63% (lower mid).
Sharpe: 1.97 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.98% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).
Average maturity: 0.13 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Triparty Repo (~3.7%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (19 Jun 26)	₹6,757.11 ↑ 1.17 (0.02 %)
Net Assets (Cr)	₹31,752 on 31 May 26
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	1.97
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,340
31 May 23	₹10,981
31 May 24	₹11,775
31 May 25	₹12,623
31 May 26	₹13,396

Nippon India Liquid 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 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 19 Jun 26

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.3%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.02 Yr.
Vikash Agarwal	14 Sep 24	1.71 Yr.
Amber Singhania	11 Mar 26	0.22 Yr.

Data below for Nippon India Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.74%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	79.54%
Corporate	14.46%
Government	5.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Triparty Repo CBLO/Reverse Repo \| -	4%	₹1,365 Cr
Tbill Sovereign Bonds \| -	3%	₹1,256 Cr	125,665,500
India (Republic of) - \| -	3%	₹980 Cr	99,000,000 ↓ -17,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹745 Cr	15,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹743 Cr	15,000
Ntpc Ltd Commercial Paper \| -	2%	₹741 Cr	15,000
IDBI Bank Ltd Domestic Bonds \| -	2%	₹737 Cr	15,000 ↑ 15,000
Small Industries Dev Bank Of India Commercial Paper \| -	2%	₹695 Cr	14,000
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹673 Cr	68,000,000 ↑ 67,000,000
Union Bank of India Debentures \| -	2%	₹596 Cr	12,000 ↑ 12,000

9. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (top quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (upper mid).
Average maturity: 0.23 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,382
31 May 23	₹11,017

IDBI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI 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 19 Jun 26

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Mirae Asset Cash Management Fund

The investment objective of the scheme is to generate consistent returns with a high level of liquidity in a judicious portfolio mix comprising of money market and debt instruments. The Scheme does not guarantee any returns.

Research Highlights for Mirae Asset Cash Management Fund

Lower mid AUM (₹11,182 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.15% (upper mid).
1M return: 0.60% (bottom quartile).
Sharpe: 2.04 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.76% (bottom quartile).
Modified duration: 0.11 yrs (top quartile).
Average maturity: 0.12 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.4%).

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (19 Jun 26)	₹2,901.67 ↑ 0.48 (0.02 %)
Net Assets (Cr)	₹11,182 on 31 May 26
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	2.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,348
31 May 23	₹10,991
31 May 24	₹11,788
31 May 25	₹12,641
31 May 26	₹13,409

Mirae Asset Cash Management 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 Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Jun 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.2%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.3%
2017	6.6%
2016	7.2%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Pranavi Kulkarni	5 Feb 26	0.32 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.68%
Other	0.32%

Debt Sector Allocation

Sector	Value
Cash Equivalent	78.75%
Corporate	12.49%
Government	8.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹597 Cr	60,000,000
Tbill Sovereign Bonds \| -	4%	₹499 Cr	50,000,000
Indian Bank Domestic Bonds \| -	3%	₹347 Cr	35,000,000
Icici Securities Limited Commercial Paper \| -	2%	₹298 Cr	30,000,000
Bank of Baroda Debentures \| -	2%	₹298 Cr	30,000,000
Canara Bank Domestic Bonds \| -	2%	₹297 Cr	30,000,000
Reliance Ind Ltd Red Commercial Paper \| -	2%	₹297 Cr	30,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹248 Cr	25,000,000 ↓ -5,000,000
Ultratech Cement Ltd Md Commercial Paper \| -	2%	₹248 Cr	25,000,000 ↑ 25,000,000
14/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹225 Cr	22,500,000

Disclaimer:
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۔