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الٹرا شارٹ ٹرم فنڈز V/s فکسڈ ڈپازٹس

Updated on March 3, 2025 , 9742 views

کیا آپ پریشان ہیںکہاں سرمایہ کاری کرنا ہے مختصر مدت کے لئے پیسہ؟ کیا آپ الٹرا کے درمیان انتخاب کرتے وقت الجھن میں پڑ جاتے ہیں؟مختصر مدت کے فنڈز اور فکسڈ ڈپازٹ؟ پریشان نہ ہوں، آپ کے سوالات کا جواب یہاں دیا جائے گا۔ الٹرا شارٹ ٹرم فنڈز aمشترکہ فنڈ زمرہ جو فکسڈ میں سرمایہ کاری کرتا ہے۔آمدنی مختصر پختگی کی مدت والے آلات۔ فکسڈ ڈپازٹ یاایف ڈی دوسری طرف، ایک سرمایہ کاری کا راستہ ہے جس میں لوگ ایک مقررہ وقت کے لیے رقم کی ایک خاص رقم جمع کرتے ہیں اور اسے سود کے ساتھ میچورٹی پر واپس حاصل کرتے ہیں۔ تو آئیے ایک نظر ڈالتے ہیں کہ الٹرا شارٹ ٹرم فنڈز اور فکسڈ ڈپازٹ میں سے کس میں سرمایہ کاری کرنا بہتر ہے۔

الٹرا شارٹ ٹرم فنڈز کیا ہیں؟

الٹرا شارٹ ٹرم فنڈز کی ایک قسم ہے۔قرض فنڈ. یہ اسکیم اپنے کارپس میں سرمایہ کاری کرتی ہے۔مقررہ آمدنی وہ آلات جن کی پختگی کی مدت عام طور پر درمیان ہوتی ہے۔91 دن سے 1 سال. اس اسکیم کو اوپر ایک نشان سمجھا جاتا ہے۔مائع فنڈز اور جو لوگ معمولی حد تک زیادہ خطرہ مول لینے کے خواہشمند ہیں وہ زیادہ منافع کمانے کے لیے الٹرا شارٹ ٹرم فنڈز میں سرمایہ کاری کرنے کا انتخاب کر سکتے ہیں۔

فکسڈ ڈپازٹس کیا ہیں؟

فکسڈ ڈپازٹ یا FD سرمایہ کاری کا ایک روایتی ذریعہ ہے جہاں لوگوں کو کسی خاص مدت کے لیے جمع کردہ رقم کی ایک خاص رقم رکھنے کی ضرورت ہوتی ہے۔ سرمایہ کاری کی گئی یہ رقم سود حاصل کرتی ہے۔ اسے مختصر مدت کے ساتھ ساتھ طویل مدتی مدت کے لیے سرمایہ کاری کا ایک اچھا راستہ چنا جا سکتا ہے۔ FD پر سود کی شرح پہلے سے متعین ہوتی ہے اور اس کے ریٹرن سرمایہ کاروں کے ہاتھ میں قابل ٹیکس ہوتے ہیں۔

الٹرا شارٹ ٹرم فنڈز یا فکسڈ ڈپازٹ: کون سا بہتر ہے؟

چونکہ سرمایہ کاری کے دونوں راستوں کی اپنی اپنی خصوصیات اور خصوصیات ہیں، آئیے دیکھتے ہیں کہ مختلف پیرامیٹرز کی بنیاد پر کون سا سرمایہ کاری کا راستہ بہترین ہے۔

کم از کم سرمایہ کاری

فکسڈ ڈپازٹس کی صورت میں کم از کم سرمایہ کاری کی حد کے درمیان ہے۔1 روپے،000-₹10,000 منحصر کرتا ہےبینک. تاہم، الٹرا شارٹ ٹرم فنڈز کی صورت میں، کم از کم سرمایہ کاری ہے۔₹500 کے ذریعےگھونٹ سرمایہ کاری کا موڈ اورسرمایہ کاری کے یکمشت موڈ کے ذریعے ₹1,000.

شرح سود

شرح سود کے حوالے سے، FDs میں پہلے سے طے شدہ شرح سود ہوتی ہے جو وقت کے ساتھ ساتھ تبدیل نہیں ہوتی ہے۔ تاہم، الٹرا شارٹ ٹرم فنڈز کی صورت میں، اسکیم کی کارکردگی کے لحاظ سے منافع متغیر ہوتا ہے۔ فی الحال، مالی سال 2017-18 کے مطابق، ایف ڈی کی شرحیں۔رینج 6%-7% کے درمیان تقریباً اگر سرمایہ کاری ایک سال کے لیے رکھی جائے۔ تاہم، الٹرا شارٹ ٹرم فنڈز کے معاملے میں، اگر سرمایہ کاری ایک سال کے لیے رکھی جاتی ہے تو واپسی تقریباً 7% سے زیادہ ہوتی ہے۔

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دور

FDs کو مختصر اور طویل مدتی مدت دونوں کے لیے سرمایہ کاری کے طور پر استعمال کیا جا سکتا ہے۔ اس کی وجہ یہ ہے کہ اسے روایتی سرمایہ کاری کا راستہ سمجھا جاتا ہے۔ اس کے برعکس،الٹرا شارٹ ٹرم فنڈ عام طور پر، قلیل مدتی سرمایہ کاری کی مدت کے لیے استعمال کیا جاتا ہے۔ جن لوگوں کے پاس زیادہ فنڈز ہیں۔بچت اکاونٹ مزید کمانے کے لیے اس اسکیم میں سرمایہ کاری کرنے کا انتخاب کر سکتے ہیں۔ سرمایہ کاری کی مدت کے دوران، لوگ فکسڈ ڈپازٹ سے اپنے فنڈز نہیں نکال سکتے۔ یہاں تک کہ اگر انہیں نکالنے کی ضرورت ہے، تو انہیں بینک کو کچھ مقررہ چارجز ادا کرنے کی ضرورت ہے۔ دوسری طرف، لوگسرمایہ کاری الٹرا شارٹ ٹرم فنڈز میں ان کے پیسے فکسڈ ڈپازٹس کے مقابلے میں آسانی سے اپنی رقم نکال سکتے ہیں۔ بہت سی اسکیموں میں، سرمایہ کاروں کو اس دوران کوئی ایگزٹ لوڈ ادا کرنے کی ضرورت نہیں ہے۔رہائی.

خطرہ - بھوک

FDs کو خطرے سے پاک سرمایہ کاری کا راستہ سمجھا جاتا ہے جس میں؛ ذخائر کو محفوظ سمجھا جاتا ہے۔ اس کے برعکس، الٹرا شارٹ ٹرم فنڈز میں سرمایہ کاری کرنے کا انتخاب کرنے والے لوگ زیادہ منافع حاصل کرنے کے لیے معمولی حد تک زیادہ خطرہ مول لیتے ہیں۔

لیکویڈیٹی

دیلیکویڈیٹی الٹرا شارٹ ٹرم فنڈز کی صورت میں فکسڈ ڈپازٹس کے مقابلے میں زیادہ ہے۔ فکسڈ ڈپازٹ کے مقابلے میں ان اسکیموں سے رقم نکالنا نسبتاً آسان ہے۔

ٹیکس لگانا

الٹرا شارٹ ٹرم فنڈز اور فکسڈ ڈپازٹس دونوں کے لیے ٹیکس کے قوانین مختلف ہیں۔ فکسڈ ڈپازٹ پر حاصل ہونے والے سود کی صورت میں، رقم کو اس میں شامل کیا جاتا ہے۔سرمایہ کارکی آمدنی اور فرد کے باقاعدہ ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔ تاہم، الٹرا شارٹ ٹرم فنڈ کی صورت میں حاصل کردہ منافع قرض فنڈز کے مطابق قابل ٹیکس ہے۔ قاعدے کے مطابق، اگر الٹرا شارٹ ٹرم فنڈ میں سرمایہ کاری تین سال سے زیادہ ہو تو طویل مدتیسرمایہ منافع لاگو ہوتا ہے جب کہ اگر میعاد تین سال سے کم ہے، تو قلیل مدتی کیپٹل گینز لاگو ہوتے ہیں۔ طویل مدتی کی صورت میںسرمایہ حاصل، اس پر انڈیکسیشن فوائد کے ساتھ 20% ٹیکس لگایا جاتا ہے اور قلیل مدتی سرمائے کے منافع کے لیے، اسے آمدنی میں شامل کیا جاتا ہے اور فرد کے سلیب کی شرح کے مطابق ٹیکس لگایا جاتا ہے۔

ذیل میں دیا گیا جدول الٹرا شارٹ ٹرم فنڈز اور فکسڈ ڈپازٹس کے درمیان موازنہ کا خلاصہ کرتا ہے۔

پیرامیٹرز	الٹرا شارٹ ٹرم فنڈز	فکسڈ ڈپازٹس
واپسی	اسکیم کی کارکردگی کے مطابق مختلف ہوتی ہے۔	پہلے سے طے شدہ
کم از کم سرمایہ کاری	SIP میں ₹500 اور Lumpsum میں ₹1,000 سے شروع ہوتا ہے۔	رینج ₹1,000-₹10,000 کے درمیان
دور	عام طور پر مختصر مدت کے لئے استعمال کیا جاتا ہے	مختصر اور طویل مدتی دونوں
خطرہ	معمولی بلندی	کم
لیکویڈیٹی	اعلی	کم
ٹیکس لگانا	قلیل مدت: فرد کے سلیب ریٹ کے مطابق ٹیکس لگایا جاتا ہے۔طویل مدتی: 20% پر ٹیکس لگایا گیا اور ٹیکس کے فوائد تھے۔	فرد کے سلیب ریٹ کے مطابق ٹیکس لگایا جاتا ہے۔

10 بہترین کارکردگی کا مظاہرہ کرنے والے الٹرا شارٹ ٹرم 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.

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 (05 Mar 25)	₹533.439 ↑ 0.04 (0.01 %)
Net Assets (Cr)	₹16,798 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.7
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.84%
Effective Maturity	7 Months 20 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,626
28 Feb 22	₹11,076
28 Feb 23	₹11,643
29 Feb 24	₹12,502
28 Feb 25	₹13,466

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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.7%
1 Year	7.7%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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

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 Jan 25

Asset Allocation

Asset Class	Value
Cash	49.07%
Debt	50.65%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	64.46%
Cash Equivalent	31.98%
Government	3.28%

Credit Quality

Rating	Value
AA	32.68%
AAA	67.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	5%	₹820 Cr	82,000
Shriram Finance Company Limited Debentures \| -	4%	₹603 Cr	60,000
Nirma Limited Debentures \| -	3%	₹486 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹469 Cr	47,500,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Mankind Pharma Ltd Debentures \| -	2%	₹305 Cr	30,500
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹299 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹270 Cr	27,000
Sk Finance Ltd Debentures \| -	2%	₹248 Cr	25,000

2. 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 (05 Mar 25)	₹3,929.39 ↑ 0.38 (0.01 %)
Net Assets (Cr)	₹7,666 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.07
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.81%
Effective Maturity	6 Months 12 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,405
28 Feb 22	₹11,229
28 Feb 23	₹11,779
29 Feb 24	₹12,593
28 Feb 25	₹13,493

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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	7.1%
3 Year	6.3%
5 Year	6.2%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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

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 Jan 25

Asset Allocation

Asset Class	Value
Cash	61.67%
Debt	38.06%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	45.76%
Cash Equivalent	43.86%
Government	10.11%

Credit Quality

Rating	Value
AA	17.06%
AAA	82.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹309 Cr	3,100
182 DTB 12062025 Sovereign Bonds \| -	3%	₹240 Cr	24,500,000
PNb Housing Finance Limited Debentures \| -	3%	₹225 Cr	22,500
Small Industries Development Bank Of India Debentures \| -	3%	₹199 Cr	2,000
Indinfravit Trust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹182 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹166 Cr	16,500 ↓ -1,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500 ↑ 5,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹125 Cr	12,500 ↑ 12,500
Small Industries Development Bank Of India Debentures \| -	2%	₹124 Cr	12,500

3. 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 7.4% 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 (05 Mar 25)	₹26.9863 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹13,813 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.99
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	7.75%
Effective Maturity	6 Months
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,583
28 Feb 22	₹11,012
28 Feb 23	₹11,555
29 Feb 24	₹12,385
28 Feb 25	₹13,292

ICICI Prudential 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 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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	7.3%
3 Year	6.5%
5 Year	5.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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

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 Jan 25

Asset Allocation

Asset Class	Value
Cash	57.2%
Debt	42.52%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	54.47%
Cash Equivalent	34.55%
Government	10.71%

Credit Quality

Rating	Value
AA	19.83%
AAA	80.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Limited Debentures \| -	3%	₹435 Cr	4,350
364 DTB 13032025 Sovereign Bonds \| -	3%	₹398 Cr	40,000,000
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
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
LIC Housing Finance Limited Debentures \| -	2%	₹275 Cr	2,750 ↑ 500
Power Finance Corporation Limited Debentures \| -	2%	₹225 Cr	2,250
Small Industries Development Bank Of India Debentures \| -	2%	₹220 Cr	2,200 ↓ -1,550
Oberoi Realty Ltd. Debentures \| -	1%	₹200 Cr	20,000

4. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (05 Mar 25)	₹3,321.74 ↑ 0.45 (0.01 %)
Net Assets (Cr)	₹3,050 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	-0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.64%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,422
28 Feb 22	₹10,741
28 Feb 23	₹11,222
29 Feb 24	₹11,995
28 Feb 25	₹12,828

DSP BlackRock Money Manager 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 DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.3%
1 Year	6.9%
3 Year	6.1%
5 Year	5.1%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%
2015	7.9%

Fund Manager information for DSP BlackRock Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	3.75 Yr.
Shalini Vasanta	1 Jan 25	0.16 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	58.88%
Debt	40.85%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	52.96%
Cash Equivalent	35.79%
Government	10.98%

Credit Quality

Rating	Value
AA	4.61%
AAA	95.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	5%	₹156 Cr	1,500
91 DTB 10042025 Sovereign Bonds \| -	3%	₹99 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹79 Cr	750 ↓ -250
Small Industries Development Bank Of India Debentures \| -	3%	₹78 Cr	750
182 DTB 01052025 Sovereign Bonds \| -	2%	₹74 Cr	7,500,000
182 DTB 31072025 Sovereign Bonds \| -	2%	₹63 Cr	6,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹61 Cr	500 ↑ 500
Power Finance Corporation Ltd. Debentures \| -	2%	₹57 Cr	550
The Tata Power Company Limited Debentures \| -	2%	₹54 Cr	500
National Housing Bank Debentures \| -	2%	₹54 Cr	5,000

5. 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.

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 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% .

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 (05 Mar 25)	₹2,630.72 ↑ 0.36 (0.01 %)
Net Assets (Cr)	₹1,391 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.44
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.59%
Effective Maturity	6 Months 2 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,461
28 Feb 22	₹10,795
28 Feb 23	₹11,280
29 Feb 24	₹12,087
28 Feb 25	₹12,953

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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.1%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.16 Yr.
Vikas Garg	27 Jul 21	3.6 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	57.23%
Debt	42.51%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	43.63%
Cash Equivalent	43.11%
Government	13.01%

Credit Quality

Rating	Value
AA	17.05%
AAA	82.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	6%	₹85 Cr	8,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
182 DTB 31072025 Sovereign Bonds \| -	3%	₹49 Cr	5,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹40 Cr	4,000,000
Export Import Bank Of India Debentures \| -	3%	₹40 Cr	4,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹35 Cr	3,500,000 ↑ 3,500,000
Ongc Petro Additions Limited Debentures \| -	2%	₹30 Cr	3,000,000
364 DTB Sovereign Bonds \| -	2%	₹30 Cr	3,000,000
Export Import Bank Of India Debentures \| -	2%	₹30 Cr	3,000,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000

6. 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 (05 Mar 25)	₹4,136.51 ↑ 0.49 (0.01 %)
Net Assets (Cr)	₹3,448 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	4 Months 22 Days
Modified Duration	4 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,514
28 Feb 22	₹11,160
28 Feb 23	₹11,678
29 Feb 24	₹12,492
28 Feb 25	₹13,379

UTI 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 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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.3%
1 Year	7.1%
3 Year	6.2%
5 Year	6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.11 Yr.

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

Asset Allocation

Asset Class	Value
Cash	73.01%
Debt	26.76%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.78%
Corporate	41.82%
Government	2.16%

Credit Quality

Rating	Value
AA	18.92%
AAA	81.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	3%	₹100 Cr	1,000
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 \| -	1%	₹50 Cr	5,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹50 Cr	5,000
India Grid TRust Debentures \| -	1%	₹50 Cr	500
HDFC Bank Limited Debentures \| -	1%	₹50 Cr	5,000
Kotak Mahindra Prime Limited Debentures \| -	1%	₹50 Cr	500
Avanse Financial Services Limited Debentures \| -	1%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

7. Canara Robeco Ultra Short Term Fund

(Erstwhile Canara Robeco Treasury Advantage Fund)

To generate income/capital appreciation through a low risk strategy by investment in Money Market Instruments (MMI). However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 14 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 72 in Ultrashort Bond category. Return for 2024 was 6.8% , 2023 was 6.4% and 2022 was 3.9% .

Below is the key information for Canara Robeco Ultra Short Term Fund

Canara Robeco Ultra Short Term Fund Growth
Launch Date	14 Jul 08
NAV (05 Mar 25)	₹3,707.78 ↑ 0.44 (0.01 %)
Net Assets (Cr)	₹537 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	0.95
Sharpe Ratio	-1.43
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	8 Months 7 Days
Modified Duration	5 Months

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,401
28 Feb 22	₹10,688
28 Feb 23	₹11,154
29 Feb 24	₹11,888
28 Feb 25	₹12,687

Canara Robeco Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Canara Robeco 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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	6.7%
3 Year	5.9%
5 Year	4.9%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
2023	6.4%
2022	3.9%
2021	2.6%
2020	4.5%
2019	6.6%
2018	6.1%
2017	5.7%
2016	7.3%
2015	8.4%

Fund Manager information for Canara Robeco Ultra Short Term Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	2.92 Yr.
Kunal Jain	16 Sep 24	0.45 Yr.

Data below for Canara Robeco Ultra Short Term Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	50.88%
Debt	48.79%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	52.74%
Cash Equivalent	34.23%
Government	12.7%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	10%	₹50 Cr	500
LIC Housing Finance Ltd Debentures \| -	9%	₹45 Cr	450
Power Finance Corporation Limited Debentures \| -	6%	₹30 Cr	300
Kotak Mahindra Prime Limited Debentures \| -	5%	₹25 Cr	2,500
Bajaj Housing Finance Limited Debentures \| -	5%	₹25 Cr	250
Kotak Mahindra Prime Limited Debentures \| -	5%	₹25 Cr	2,500
Hdb Financial Services Limited Debentures \| -	5%	₹25 Cr	250
7.93% Govt Stock 2033 Sovereign Bonds \| -	3%	₹15 Cr	1,500,000
Bajaj Finance Limited Debentures \| -	2%	₹10 Cr	100
CORPORATE DEBT MARKET DEVELOPMENT FUND CLASS A2 Investment Fund \| -	0%	₹2 Cr	1,529

8. 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.

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 CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% .

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 (05 Mar 25)	₹5,825.09 ↑ 0.76 (0.01 %)
Net Assets (Cr)	₹12,091 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.41
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.56%
Effective Maturity	7 Months 20 Days
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,531
28 Feb 22	₹10,906
28 Feb 23	₹11,432
29 Feb 24	₹12,255
28 Feb 25	₹13,152

SBI Magnum Ultra Short Duration 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 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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.5%
1 Year	7.3%
3 Year	6.5%
5 Year	5.6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Rajeev Radhakrishnan	27 Dec 24	0.18 Yr.
Ardhendu Bhattacharya	1 Dec 23	1.25 Yr.
Pradeep Kesavan	1 Dec 23	1.25 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	51.33%
Debt	48.39%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	40.95%
Cash Equivalent	38.3%
Government	20.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	5%	₹593 Cr	59,000,000
182 DTB 31072025 Sovereign Bonds \| -	4%	₹486 Cr	50,000,000 ↑ 50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹421 Cr	4,250
Power Finance Corporation Limited Debentures \| -	3%	₹384 Cr	3,850
INDIA UNIVERSAL TRUST AL2 Unlisted bonds \| -	3%	₹361 Cr	400
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
Citicorp Finance (India) Ltd. Debentures \| -	2%	₹250 Cr	25,000 ↑ 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

9. BOI AXA Ultra Short Duration Fund

(Erstwhile BOI AXA Treasury Advantage Fund)

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved.

BOI AXA Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 16 Jul 08. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2024 was 6.7% , 2023 was 6.2% and 2022 was 4.4% .

Below is the key information for BOI AXA Ultra Short Duration Fund

BOI AXA Ultra Short Duration Fund Growth
Launch Date	16 Jul 08
NAV (05 Mar 25)	₹3,087.24 ↑ 0.26 (0.01 %)
Net Assets (Cr)	₹170 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	1.29
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	7.53%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,446
28 Feb 22	₹10,793
28 Feb 23	₹11,306
29 Feb 24	₹12,025
28 Feb 25	₹12,826

BOI AXA Ultra Short Duration 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 BOI AXA 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 5 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	6.6%
3 Year	5.9%
5 Year	5.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.7%
2023	6.2%
2022	4.4%
2021	3.2%
2020	4.9%
2019	7.5%
2018	7.6%
2017	8%
2016	9.1%
2015	8.7%

Fund Manager information for BOI AXA Ultra Short Duration Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.54 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	86.09%
Debt	13.63%
Other	0.28%

Debt Sector Allocation

Sector	Value
Cash Equivalent	64.78%
Corporate	21.66%
Government	13.28%

Credit Quality

Rating	Value
AA	6.25%
AAA	93.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Godrej Industries Limited Debentures \| -	6%	₹10 Cr	1,010,000 ↑ 10,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹10 Cr	1,000,000
Power Finance Corporation Ltd. Debentures \| -	6%	₹10 Cr	1,000,000
India (Republic of) - \| -	6%	₹9 Cr	950,000
364 DTB 15012026 Sovereign Bonds \| -	1%	₹2 Cr	200,000
Corporate Debt Market Development Fund Investment Fund \| -	0%	₹0 Cr	417
364 DTB 24072025 Sovereign Bonds \| -	0%	₹0 Cr	30,000
Bank Of Baroda Certificate of Deposit \| -	10%	₹16 Cr	1,600,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited) Commercial Paper \| -	10%	₹16 Cr	1,600,000
Bharti Telecom Limited Commercial Paper \| -	8%	₹13 Cr	1,400,000

10. 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.

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 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% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (05 Mar 25)	₹41.7945 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹13,151 on 31 Jan 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	1
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	6 Months
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,523
28 Feb 22	₹10,883
28 Feb 23	₹11,411
29 Feb 24	₹12,212
28 Feb 25	₹13,079

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 5 Mar 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3.3%
1 Year	7%
3 Year	6.3%
5 Year	5.5%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	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 Jan 25

Asset Allocation

Asset Class	Value
Cash	66.43%
Debt	33.27%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	51.29%
Cash Equivalent	35.3%
Government	13.11%

Credit Quality

Rating	Value
AA	10.39%
AAA	89.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹492 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹475 Cr	47,500 ↑ 10,000
Mankind Pharma Ltd Debentures \| -	2%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	30,000 ↑ 5,000
Nirma Limited 0.083% Debentures \| -	2%	₹250 Cr	25,000
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 ↑ 20,080,000
182 DTB 08052025 Sovereign Bonds \| -	1%	₹182 Cr	18,500,000
INDIA UNIVERSAL TRUST AL1 Unlisted bonds \| -	1%	₹177 Cr	220

اس طرح، اوپر دیے گئے پیرامیٹرز سے، ہم یہ نتیجہ اخذ کر سکتے ہیں کہ فکسڈ ڈپازٹس کے مقابلے الٹرا شارٹ ٹرم فنڈز ایک بہتر آپشن ہیں۔

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