Lending for six months to a year
Past returns do not tell you future returns. Tap a dotted word to see what it means.
Against NIFTY Low Duration Debt Index A-I
This fund's price history here starts on 3 Jan 2022, so its longest figures run from then.
| Return | This fund | Similar funds | Rank | |
|---|---|---|---|---|
| 1 month | +0.2% | — | — | — |
| 3 months | +1.0% | — | — | — |
| 6 months | +2.6% | — | — | — |
| 1 year | +4.9% | +6.1% | +5.3% | 21 of 23 |
| 3 years, a year | +6.4% | +7.0% | +6.7% | 19 of 20 |
| 5 years, a year | — | +6.4% | +6.1% | — |
| Since 3 Jan 2022, a year | +5.9% | — | — | — |
Every one-year and three-year stretch in its history (): how many ended up, the worst, the typical and the best.
What an investment in this fund would be worth today
₹10,000 on the first price of each month, valued at the NAV of 3 Nov 2026. Past returns do not tell you future returns.
59 monthly instalments from 3 Jan 2022, valued at the NAV of 3 Nov 2026. A yearly return of 6.1%.
How bumpy it has been, and how far it has fallen
How widely the price swung (volatility). Lower is steadier.
The deepest drop from a high before it recovered (drawdown).
Return above cash for each unit of bumpiness. Higher is better.
Like Sharpe, counting only the falls.
52-week range: ₹3,534.25 (4 Nov 2025) to ₹3,706.18 (3 Nov 2026). Now at its high.
Its yearly expense ratio, and how much money it manages
Of the 1.15%, 0.99% is the fund house's fee and 0.16% is trading costs and taxes, which move from month to month with the fund's buying and selling.
The fund house cut its fee from 1.16% to 0.99% on 1 Apr 2026. Every expense ratio change in April 2026
The expense ratio is taken out of the fund every day, so the NAV and every return on this page are already after it. How the expense ratio works
NIL
34 holdings, as of 30 Sept 2026
| Bank of Baroda - 05/02/2027 IND A1+ | 6.41% | +1.0% | — |
| Export Import Bank of India - 01/03/2027 CRISIL A1+ | 6.38% | +1.0% | — |
| Kotak Mahindra Bank Ltd - 09/03/2027 CRISIL A1+ | 6.37% | — | New |
| Canara Bank - 12/03/2027 CRISIL A1+ | 6.37% | +1.0% | — |
| 364 Days - T Bill - 03/12/2026 Sovereign | 5.20% | -0.3% | — |
| Embassy Office Parks REIT - 12/03/2027 CRISIL A1+ | 5.09% | +0.8% | — |
| Indian Bank - 24/05/2027 CRISIL A1+ | 5.02% | +0.8% | — |
| TREPS | 4.37% | -7.4% | — |
| National Bank for Agriculture & Rural Development - 7.48% - 15/09/2028 CRISIL AAA | 3.92% | +0.6% | — |
| LIC Housing Finance Ltd - 6.9% - 17/09/2027 CRISIL AAA | 3.90% | +0.6% | — |
| REC LTD - 6.52% - 31/01/2028 ICRA AAA | 3.88% | +0.6% | — |
| Bharti Telecom Ltd - 8.65% - 05/11/2027 CRISIL AAA | 2.63% | +0.4% | — |
| Cholamandalam Investment and Finance Company Ltd - 8.4% - 18/09/2027 ICRA AA+ | 2.63% | — | New |
| National Bank for Agriculture & Rural Development - 7.8% - 15/03/2027 ICRA AAA | 2.63% | — | New |
| PNB Housing Finance Ltd - 8.15% - 29/07/2027 IND AAA | 2.63% | +0.4% | — |
| Small Industries Development Bank of India - 7.68% - 10/08/2027 CRISIL AAA | 2.63% | +0.4% | — |
| Muthoot Finance Ltd - 8.4% - 28/08/2028 ICRA AA+ | 2.61% | +0.4% | — |
| IIFL Finance Ltd - 02/11/2026 CRISIL A1+ | 2.61% | +0.4% | — |
| JM Financial Services Ltd - 11/12/2026 CRISIL A1+ | 2.59% | — | New |
| Punjab National Bank - 28/01/2027 CRISIL A1+ | 2.57% | +0.4% | — |
| Indian Bank - 05/02/2027 CRISIL A1+ | 2.56% | +0.4% | — |
| Union Bank of India - 16/03/2027 ICRA A1+ | 2.55% | +0.4% | — |
| Can Fin Homes Ltd - 8.09% - 04/01/2027 ICRA AAA | 2.36% | +0.3% | — |
| Export Import Bank of India - 7.35% - 27/07/2028 ICRA AAA | 1.31% | +0.2% | — |
| National Bank for Agriculture & Rural Development - 7.53% - 24/03/2028 ICRA AAA | 1.31% | +0.2% | — |
| Small Industries Development Bank of India - 7.42% - 12/03/2029 CRISIL AAA | 1.30% | +0.2% | — |
| National Bank for Financing Infrastructure and Development - 7.37% - 16/07/2029 CRISIL AAA | 1.30% | +0.2% | — |
| Kotak Mahindra Bank Ltd - 18/12/2026 CRISIL A1+ | 1.29% | — | New |
| National Bank for Agriculture & Rural Development - 7.01% - 16/03/2029 CRISIL AAA | 1.29% | +0.2% | — |
| 360 ONE WAM Ltd (Prev IIFL Wealth Management Ltd) - 21/01/2027 CRISIL A1+ | 1.28% | +0.2% | — |
| Cash and Other Net Current Assets | 1.01% | +4.8% | — |
| JM Financial Products Ltd - 8.92% - 16/11/2026 CRISIL AA | 0.88% | +0.1% | — |
| 360 One Prime Ltd - 8.95% - 04/06/2027 ICRA AA | 0.79% | +0.1% | — |
| Corporate Debt Market Development Fund - Class A2 | 0.37% | +0.1% | — |
The share of the fund in its ten largest holdings. The higher it is, the more the fund depends on a few of them.
From the fund house's monthly portfolio disclosure.
Between the portfolios of 31 Aug 2026 and 30 Sept 2026, the fund added 5 holdings and left 8; 26 holdings gained weight and 1 lost weight.
Overlap is the part of two portfolios that is the same, by weight: 100% would be identical.
Check its overlap with any fund, by holdings, industry and sector
To generate regular income & capital appreciation through investments in debt securities and money market instruments. No Guarantee: Investors are neither being offered any guaranteed/indicated returns nor any guarantee on repayment of capital by the Scheme. There is also no guarantee of capital or return either by the mutual fund or by the sponsor or Trustees by the Asset management Company.
The largest funds with the same mandate
| +4.9% | +6.4% | — | 1.15% | ₹382 cr | |
ICICI Prudential Ultra Short to Short Term Fund ICICI Prudential | +5.8% | +7.2% | +6.6% | 0.53% | ₹17,309 cr |
| +5.2% | +6.7% | +6.1% | 1.03% | ₹15,297 cr | |
Kotak Ultra Short to Short Term Fund Kotak Mahindra | +5.0% | +6.5% | +5.9% | 1.18% | ₹11,883 cr |
| +5.2% | +6.6% | +6.0% | 0.92% | ₹10,905 cr | |
Aditya Birla Sun Life Ultra short to short term Fund Aditya Birla Sun Life | +4.8% | +6.4% | +5.9% | 1.20% | ₹9,162 cr |
Nippon India Ultra Short to Short Term Fund Nippon India | +5.4% | +6.7% | +6.1% | 0.99% | ₹7,246 cr |
| +5.4% | +6.7% | +6.1% | 0.69% | ₹6,201 cr | |
| +5.6% | +7.0% | +6.4% | 0.73% | ₹4,857 cr | |
| +5.2% | +6.6% | +6.1% | 0.63% | ₹4,433 cr | |
| +5.6% | +7.0% | +6.4% | 0.65% | ₹2,838 cr |
The NAV of the Regular Growth plan was ₹3,706.18 on 3 Nov 2026.
It returned +4.9% over the last year, +6.4% a year over three years. Over three years its benchmark, NIFTY Low Duration Debt Index A-I, returned +7.0% a year. Past returns do not indicate future returns.
On 3 Nov 2026: started 3 years ago, ₹3.6 lakh put in would be worth ₹3.94 lakh, +5.9% a year. That is ₹10,000 on the first price of each month. Past returns do not tell you future returns.
As of 30 Sept 2026: Bank of Baroda - 05/02/2027 (6.4%), Export Import Bank of India - 01/03/2027 (6.4%), Kotak Mahindra Bank Ltd - 09/03/2027 (6.4%), Canara Bank - 12/03/2027 (6.4%), 364 Days - T Bill - 03/12/2026 (5.2%). It held 34 investments in all.
Over the last three years its NAV fell as much as -0.3% from a high before recovering; over the last year, -0.3%.
1.15% a year, against a typical 0.87% in its category. It is taken out of the fund daily, so the NAV and returns are after it.
It manages ₹382 cr as of 2 Nov 2026.
Sandeep Agarwal (since 31 Dec 2021), Dwijendra Srivastava (since 16 May 2022).
NIL
₹1,000 to start, ₹1,000 a month by SIP.
Its riskometer level is Low to Moderate, on SEBI's six-step scale from Low to Very High. Its NAV's volatility over the last year was 0.6%.
NIFTY Low Duration Debt Index A-I.
On 19 Aug 2004.