{"id":13203,"date":"2022-07-12T16:34:14","date_gmt":"2022-07-12T11:04:14","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=13203"},"modified":"2022-09-30T11:56:24","modified_gmt":"2022-09-30T06:26:24","slug":"best-mutual-funds-for-short-term-investments-in-2022","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/","title":{"rendered":"Best Mutual Funds for Short-Term Investments in 2022"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d02019863c3\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d02019863c3\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#What_Are_Short-Term_Mutual_Funds\" title=\"What Are Short-Term Mutual Funds?\">What Are Short-Term Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Categorization_of_Short_Term_Mutual_Funds\" title=\"Categorization of Short Term Mutual Funds:\">Categorization of Short Term Mutual Funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#A_Brief_Introduction_of_Debt_Funds\" title=\"A Brief Introduction of Debt Funds\">A Brief Introduction of Debt Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#What_is_Macaulays_duration\" title=\"What is Macaulay&#8217;s duration?\">What is Macaulay&#8217;s duration?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Short_Term_Mutual_Investments_2022\" title=\"Best Short Term Mutual Investments 2022\">Best Short Term Mutual Investments 2022<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Short_Duration_Fund_as_per_3-Year_return\" title=\"Best Short Duration Fund (as per 3-Year return)\">Best Short Duration Fund (as per 3-Year return)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Liquid_Funds_as_per_1-Year_returns\" title=\"Best Liquid Funds (as per 1-Year returns)\">Best Liquid Funds (as per 1-Year returns)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Ultra_Short_Duration_Fund_as_per_1-Year_return\" title=\"Best Ultra Short Duration Fund (as per 1-Year return)\">Best Ultra Short Duration Fund (as per 1-Year return)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Low_Duration_Fund_as_per_1-Year_return\" title=\"Best Low Duration Fund (as per 1-Year return)\">Best Low Duration Fund (as per 1-Year return)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Money_Market_Fund_as_per_1-year_return\" title=\"Best Money Market Fund (as per 1-year return)\">Best Money Market Fund (as per 1-year return)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Best_Overnight_Fund_as_per_1-year_return\" title=\"Best Overnight Fund (as per 1-year return)\">Best Overnight Fund (as per 1-year return)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#What_are_the_Benefits_of_Investing_in_Best_Short-Term_Mutual_Funds\" title=\"What are the Benefits of Investing in Best Short-Term Mutual Funds?\">What are the Benefits of Investing in Best Short-Term Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Risks_Possessed_by_Short-Term_Funds\" title=\"Risks Possessed by Short-Term Funds\">Risks Possessed by Short-Term Funds<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Factors_to_Consider_Before_Investing_in_Short-Term_Mutual_Funds\" title=\"Factors to Consider Before Investing in Short-Term Mutual Funds\">Factors to Consider Before Investing in Short-Term Mutual Funds<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#What_is_the_best_short-term_investment\" title=\"What is the best short-term investment?\">What is the best short-term investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Are_mutual_funds_good_for_the_short_term\" title=\"Are mutual funds good for the short term?\">Are mutual funds good for the short term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Can_I_invest_in_mutual_funds_for_6_months\" title=\"Can I invest in mutual funds for 6 months?\">Can I invest in mutual funds for 6 months?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#_Who_Should_Invest_in_Short-Term_Mutual_Funds\" title=\"\u00a0Who Should Invest in Short-Term Mutual Funds?\">\u00a0Who Should Invest in Short-Term Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#What_is_the_return_potential_of_the_best_short-duration_funds\" title=\"What is the return potential of the best short-duration funds?\">What is the return potential of the best short-duration funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Which_type_of_mutual_fund_is_best_for_the_short_term\" title=\"Which type of mutual fund is best for the short term?\">Which type of mutual fund is best for the short term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_Are_Short-Term_Mutual_Funds\"><\/span>What Are Short-Term Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\">Mutual funds<\/a> that invest in debt instruments with maturities ranging up to three years are considered short-term mutual funds. Historically, these funds have shown larger returns than savings and fixed deposit rates.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The benefits of investing in short-term funds<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ideal for the money that you won&#8217;t require for at least a year to a year and a half.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">These products can generate higher returns than bank fixed deposits while minimizing risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If kept for three years or more, they offer a better tax advantage than fixed deposits.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">According to SEBI&#8217;s regulations, there is nothing officially referred to as short-term mutual funds, which essentially indicates that they don&#8217;t exist! Therefore, properly speaking, short-term mutual funds are investments made for a small period of fewer than 5 years rather than a category. Therefore, in the article, we will cover short-term mutual funds such as liquid funds, <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\/ultra-short-duration-fund\">ultra-short duration funds<\/a>, low duration funds, short-duration funds, money market funds, etc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Categorization_of_Short_Term_Mutual_Funds\"><\/span>Categorization of Short Term Mutual Funds:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Overnight Funds: <\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These funds invest in debt instruments having a maturity of 1 day.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Money Market Funds: <\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These funds invest in money market instruments having maturity up to 1 Year.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Liquid funds: <\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These are debt funds that invest in short-term assets like commercial paper, government securities, treasury bills, etc. Liquid funds are only permitted to invest in debt and money market instruments with maturities of up to 91 days. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The market value of the securities held by a liquid fund determines the fund&#8217;s return. The returns of liquid funds are, however, often more consistent when compared to other debt funds because the prices of short-term securities do not fluctuate as much as long-term bonds.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Ultra Short Duration Funds:<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> These are debt funds that invest in debt and money market assets such that the Macaulay duration of the portfolio ranges from three to six months. Historically, compared to funds such as long-duration funds, corporate bond funds, etc, these funds are less volatile and attempt to create more predictable income, making them suited for short-term investments.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Low duration Funds: <\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These debt funds are those that invest in short-term debt instruments, with a portfolio duration of between six and twelve months. Low-duration funds contain assets with a longer-term and\/or lower credit quality than overnight or liquid funds; as a result, they have a considerably larger interest rate risk and credit risk.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Short duration funds:<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> These are debt funds that hold a portfolio of debt and money market assets with a duration between one and three years. These funds are subject to moderately low-interest rate risk. The credit risk of short-term funds might vary based on the credit quality of the underlying securities.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"A_Brief_Introduction_of_Debt_Funds\"><\/span>A Brief Introduction of Debt Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Mutual funds that invest in fixed-income instruments such as bonds and treasury bills are known as <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\">debt funds<\/a>. Debt funds invest in the gilt fund, monthly income plans (MIPs), short-term plans (STPs), liquid funds, and fixed maturity plans (FMPs). <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In addition to these categories, debt funds also invest in short-term, medium-term, and <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\/long-duration-fund\">long-term<\/a> bonds. Individuals who are unwilling to invest in a highly volatile equity market prefer debt funds. Historically compared to equity funds, debt funds provide a regular but low income. It is also relatively more stable.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Short-term mutual funds can include certain types of debt funds. Depending on the amount of money you have available, you could invest in this mutual fund for a month or a few years. For short-term funds, the Macaulay (average) duration (explained below) typically varies up to three years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Macaulays_duration\"><\/span>What is Macaulay&#8217;s duration?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Macaulay Duration is the length of time taken by the investor to recover his invested money in the bond through coupons and principal repayment. This length of time is the weighted average of the period the investor should remain invested in the security to have the present value of the cash flows from the investment match the amount paid for the bond.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Short_Term_Mutual_Investments_2022\"><\/span>Best Short Term Mutual Investments 2022<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Best_Short_Duration_Fund_as_per_3-Year_return\"><\/span>Best Short Duration Fund (as per 3-Year return)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Scheme<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>3 Year Return (CAGR)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>AUM (Cr)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/uti-short-term-income-growth--UTSTD1-GR\"><span style=\"font-weight: 400;\">UTI Short Term Income Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">8.62%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">2,349.23<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/idbi-short-term-bond-growth--STG1-GR\"><span style=\"font-weight: 400;\">IDBI Short Term Bond<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.37%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">29.91<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/sundaram-short-term-debt-growth--SUDSGPD-GR\"><span style=\"font-weight: 400;\">Sundaram Short Duration Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.04%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">215.07<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/pgim-india-short-duration-growth--PRSFD1-GR\"><span style=\"font-weight: 400;\">PGIM India Short Duration Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">\u00a07.58%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">26.50<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/icici-prudential-short-term-growth--8009-GR\"><span style=\"font-weight: 400;\">ICICI Prudential Short Term Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.39%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">15,540.67<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/aditya-birla-sun-life-short-term-growth--BS341GZ-GR\"><span style=\"font-weight: 400;\">Aditya Birla Sun Life Short Term Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.24%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">4,648.37<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/nippon-india-short-term-growth--STAG-GR\"><span style=\"font-weight: 400;\">Nippon India Short-Term Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.11%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">7,272.52<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/hdfc-short-term-debt-growth--STOGT-GR\"><span style=\"font-weight: 400;\">HDFC Short Term Debt Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.07%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">13,842.72<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/axis-short-term-growth--AXSTDG-GR\"><span style=\"font-weight: 400;\">Axis Short Term Debt Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.06%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">6,538.21<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/kotak-bond-short-term-growth--KO10D-GR\"><span style=\"font-weight: 400;\">Kotak Bond Short-Term Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">6.71%<\/span><\/p>\n<\/td>\n<td><span style=\"font-weight: 400;\">12,154.55<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Source: AMFI (data collected as of 11\/07\/22)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Best_Liquid_Funds_as_per_1-Year_returns\"><\/span>Best Liquid Funds (as per 1-Year returns<span style=\"font-weight: 400;\">)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Scheme<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>1-Year Return (CAGR)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>AUM (Cr)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">White Oak Capital Liquid Fund<\/span><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.27%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">60.87<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/indiabulls-liquid-growth--INLFG1-GR\"><span style=\"font-weight: 400;\">Indiabulls Liquid<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.41%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">229.04<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/motilal-oswal-liquid-growth--MOLFGD-GR\"><span style=\"font-weight: 400;\">Motilal Oswal Liquid Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.45%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">562.47<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/iifl-liquid-growth--IFLDG-GR\"><span style=\"font-weight: 400;\">IIFL Liquid Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.51%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">994.6<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/parag-parikh-liquid-growth--PPLFGZ-GR\"><span style=\"font-weight: 400;\">Parag Parikh Liquid Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.52%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">1,391.68<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Source: AMFI (data collected as on 11\/07\/22)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Best_Ultra_Short_Duration_Fund_as_per_1-Year_return\"><\/span>Best Ultra Short Duration Fund (as per 1-Year return)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Scheme<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>6-Month Return (CAGR)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>AUM (Cr.)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/franklin-india-short-term-income-segregated-portfolio-3-retail-growth--FTI-FISTIPD3GPD\"><span style=\"font-weight: 400;\">Franklin India Ultra Short Bond Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">11.27%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">NA<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: left;\"><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/uti-ultra-short-term-growth--UTFSD3-GR\"><span style=\"font-weight: 400;\">UTI Ultra Short Term Fund<\/span><\/a><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">6.71%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">2,042<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/nippon-india-ultra-short-duration-growth--CDPG-GR\"><span style=\"font-weight: 400;\">Nippon India Ultra Short Duration Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.77%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3,880.44<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/idbi-ultra-short-term-growth--USG1-GR\"><span style=\"font-weight: 400;\">IDBI Ultra Short Term<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.32%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">237.70<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/icici-prudential-ultra-short-term-growth--8123-GR\"><span style=\"font-weight: 400;\">ICICI Prudential Ultra Short-Term Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.27%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">10,695.92<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Source: AMFI (data collected as on 11\/07\/22)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Best_Low_Duration_Fund_as_per_1-Year_return\"><\/span>Best Low Duration Fund (as per 1-Year return)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Scheme\u00a0<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>1-Year Return (CAGR)<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>AUM(Cr)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/franklin-india-low-duration-growth--492-GR\"><span style=\"font-weight: 400;\">Franklin India Low Duration Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">17.83%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">NA<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/sundaram-low-duration-growth--SUFFZG-GR\"><span style=\"font-weight: 400;\">Sundaram Low Duration Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">11.58%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">471.70<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/uti-treasury-advantage-growth--UTBFD6-GR\"><span style=\"font-weight: 400;\">UTI Treasury Advantage Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">8.95%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">2743.02<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/nippon-india-low-duration-growth--LDPG-GR\"><span style=\"font-weight: 400;\">Nippon India Low Duration Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.21%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">7,738.81<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/aditya-birla-sun-life-low-duration-growth--BS43NZ-GR\"><span style=\"font-weight: 400;\">Aditya Birla Sun Life Low Duration<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.17%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">11,930.55<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Source: AMFI (data collected as on 11\/07\/22)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Best_Money_Market_Fund_as_per_1-year_return\"><\/span>Best Money Market Fund (as per 1-year return)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Scheme<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>1-Year Return<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>AUM(Cr)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/tata-money-market-growth--TALSGZ-GR\"><span style=\"font-weight: 400;\">Tata Money Market Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.06%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">8,376.85<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/nippon-india-money-market-growth--LQAG-GR\"><span style=\"font-weight: 400;\">Nippon India Money Market Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.05%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">9,817.97<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/pgim-india-money-market-growth--PRMDD1-GR\"><span style=\"font-weight: 400;\">PGIM India Money Market Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">4.02%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">54.31<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/kotak-money-market-growth--KO252D-GR\"><span style=\"font-weight: 400;\">Kotak Money Market Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.98%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">15,398.57<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/uti-money-market-growth--UTMMD2-GR\"><span style=\"font-weight: 400;\">UTI Money Market Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.97%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">8657.52<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Source: AMFI (data collected as on 11\/07\/22)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Best_Overnight_Fund_as_per_1-year_return\"><\/span>Best Overnight Fund (as per 1-year return)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Scheme<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>1-Year Return<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>AUM (Cr)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/bank-of-india-overnight-growth--BAOVDG-GR\"><span style=\"font-weight: 400;\">Bank of India Overnight fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.66%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">29.73<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/hsbc-overnight-growth--HSHNOG-GR\"><span style=\"font-weight: 400;\">HSBC Overnight Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.59%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">715.86<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/mahindra-manulife-overnight-growth--MHMOFDG-GR\"><span style=\"font-weight: 400;\">Mahindra Manulife Overnight Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.59%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">209.92<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/mirae-asset-overnight-growth--MAOND1-GR\"><span style=\"font-weight: 400;\">Mirae Asset Overnight Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.58%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">538.50<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/axis-overnight-growth--AXONDG-GR\"><span style=\"font-weight: 400;\">Axis Overnight Fund<\/span><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">3.57%<\/span><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">11,628.13<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Source: AMFI (data collected as of 11\/07\/22)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_Benefits_of_Investing_in_Best_Short-Term_Mutual_Funds\"><\/span>What are the Benefits of Investing in Best Short-Term Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Liquidity<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can count on adequate liquidity with these funds. After investing, you may withdraw your money at any moment. However, when doing so, pay attention to exit loads.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Short-Term Investment Objective<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\/short-duration-fund\">Short-term mutual funds<\/a> are available for investment at any time, which is particularly helpful for achieving short-term financial objectives. These funds can greatly aid you in achieving your short-term investment goals if you have an investment horizon of up to one to three years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Stability<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Nearly all short-term funds are debt funds that are categorized based on holding length. Since they invest in fixed income securities like treasury bills, corporate bonds, government securities, and money market instruments, debt funds are more secure than equity funds (and more).\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Diversification<\/strong><\/li>\n<\/ul>\n<h3><\/h3>\n<p><span style=\"font-weight: 400;\">Short-term debt funds contribute to portfolio diversification and stability. In contrast to equity investments, which require a longer-term, short-duration funds can not only mitigate risk but also provide good returns for investments held for less than three years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Resilience<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Historically, as compared to equity funds, top short-term funds are relatively resilient to fluctuations in the financial markets.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Risks_Possessed_by_Short-Term_Funds\"><\/span>Risks Possessed by Short-Term Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When compared to equity funds, short-duration mutual funds are unquestionably less volatile, but they still have their own risks and limitations. Here are some potential risks associated with buying short-term mutual funds:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Inflation\u00a0<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Inflation could have a detrimental effect on short-term investments by bringing up interest rates exponentially and lowering returns or driving down the value of your investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Credit Risk<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Any short-term mutual fund comes with a variety of credit risks. Ratings are given to short-term debt funds by credit rating agencies like CRISIL, which reflect the credit quality and risk exposure of the funds. As a result, investing in these mutual funds exposes you to credit risk should the company experience a payment default.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Rate of Interest<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The prevailing interest rate determines the net asset value and returns of a debt mutual fund. A high-interest rate will reduce your profits, and vice versa. Similarly, a higher interest rate results in a lower mutual fund price, and vice versa. Consequently, a fluctuating interest rate could have an impact on your investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Low maturity period risk<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To assess the interest rate risk associated with the short-term debt mutual fund, you must examine its average maturity value. Thus, a low maturity term will have a minimal effect on the effect of a shift in interest rates.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Factors_to_Consider_Before_Investing_in_Short-Term_Mutual_Funds\"><\/span>Factors to Consider Before Investing in Short-Term Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Risk:<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Short-duration funds are the entry point for investors who are willing to accept some interest rate risk for higher returns. In general, these funds typically offer stable short-term returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Nonetheless, if there are unanticipated fluctuations in interest rates, the value of a fund may be quite volatile. For instance, suppose that if a rate cut is widely anticipated.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Fund managers will raise their holdings of long-term debt if market interest rates begin to fall. Now, if the RBI unexpectedly pauses its rate action (neither raises nor lowers rates), market yields will correct by increasing.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"> This will result in a drop in the fund&#8217;s value, which will not be reversed until interest rates decline again and\/or (ii) the fund&#8217;s accumulated interest income restores the fund&#8217;s value.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Therefore, investors must be aware that short-duration funds endure occasional bouts of volatility, and this must be taken into account when making an investment decision.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investing in short-term mutual funds is desirable if you seek a low-to average-yielding investment with low risk. Since fund managers typically choose investments with strong credit ratings, this type of investing entails minimal risk.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Credit Risk:<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some short-duration funds may carry a higher credit risk than others, exposing them to the risk of default and possible value loss. During the recent NBFC crisis, there were instances of value degradation among debt funds caused by bond issuer defaults. Results on short-term funds are not guaranteed, and previous performance is no guarantee of future returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Expense Ratio:<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Since these funds are volatile and require active management, there may be a cost associated with their management. This fee, levied by fund managers as a proportion of your investment&#8217;s returns and gains, is known as the expense ratio. Knowing the expense ratio can help you comprehend the additional fees you will incur.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Taxation:<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> Short-term mutual funds are significantly more tax-efficient than other types of investments such as fixed deposits. If the duration of your investment is less than three years, capital gains will be added to your income and taxed at the applicable income tax slab rate. Long-term capital gains (investment holding time of three years or more) will be taxed at 20% after indexation benefits are taken into account.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Exit Load:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"> You can be charged an exit load if you decide to redeem your money before the period of a few days or months (depending on your investment) has passed. Check out the exit load you can be charged before selling your investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"What_is_the_best_short-term_investment\"><\/span>What is the best short-term investment?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As per the information given in the article, there are various types of short-term investment funds with certain strengths and weaknesses. Investors may prudently pick any of them as per their risk appetite and investment objectives.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Are_mutual_funds_good_for_the_short_term\"><\/span>Are mutual funds good for the short term?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investors with investment horizons of up to three years can choose short-term mutual funds. These funds are a better place to save your extra money than traditional savings institutions. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Historically, short-term funds have shown the potential to yield higher rates of return than bank deposits and also offer much-needed liquidity.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Since the risk posed by these funds is on the lower side due to the shorter maturity period of the underlying securities, risk-averse investors may want to think about investing in them. These funds have historically generated returns between 6 to 8 per cent, as observed in the above-mentioned table.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Can_I_invest_in_mutual_funds_for_6_months\"><\/span>Can I invest in mutual funds for 6 months?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, there are 4 categories of short-term funds as per the tenure of investment in debt or money market instruments. You can invest in any of them as per your investment objectives.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquid Funds: These funds have a portfolio maturity of less than 91 days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ultra Short-Term Bond Funds: These funds have a portfolio maturity of 3 months to 6 months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low Duration Funds: Portfolio maturity ranges from 6 months to 1 year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short Duration Funds: Portfolio maturity ranges from one to three years<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"_Who_Should_Invest_in_Short-Term_Mutual_Funds\"><\/span>\u00a0Who Should Invest in Short-Term Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors with modest risk tolerance and a short-term investment horizon<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors should make sure that the length of their investments is equal to or greater than the portfolio&#8217;s average maturity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In a macro environment of rising interest rates, investors with time horizons of up to 3 years can profit from these funds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors who seek to take advantage of the long-term capital gains tax indexation for investments lasting more than three years.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"What_is_the_return_potential_of_the_best_short-duration_funds\"><\/span>What is the return potential of the best short-duration funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As per the above-mentioned historical return, short-duration funds have provided an average return between 7% to 8% CAGR.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Which_type_of_mutual_fund_is_best_for_the_short_term\"><\/span>Which type of mutual fund is best for the short term?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As mentioned above, all types of short-term mutual funds have different unique characteristics as per their risk profile, volatility, liquidity, investment horizon, etc. For example, liquid funds are one of the safest among them as they invest in low-duration debt (91-day maturity) and money market instruments, they are also least affected by market volatility and interest rate changes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"Where to invest for one-year?\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/f7yfzUhQDiM?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\"><strong>Kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Top Asset Management Companies<\/th><th class=\"column-3\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/idfc\">IDFC Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/quant\">Quant Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/canara\">Canara Robeco Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/uti\">UTI Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/whiteoak\">Whiteoak Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/motilal\">Motilal Oswal Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/mirae\">Mirae Asset Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/icici\">ICICI Prudential Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/hdfc\">HDFC Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/absl\">Aditya Birla Sunlife Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/barodabnpparibas\">Baroda BNP Paribas Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/invesco\">Invesco Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/jm\">JM Financial Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Funds<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/nippon\">Nippon Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/franklin\">Franklin Templeton Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/sundaram\">Sundaram Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/edelweiss\">Edelweiss Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/l_t\">L&amp;T Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/axis\">Axis Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/kotak\">Kotak Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/lic\">LIC Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/iifl\">IIFL Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/parag\">Parag Parikh Mutual Funds<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>What Are Short-Term Mutual Funds? &nbsp; Mutual funds that invest in debt instruments with maturities ranging up to three years are considered short-term mutual funds. Historically, these funds have shown larger returns than savings and fixed deposit rates. &nbsp; &nbsp; &nbsp; &nbsp; The benefits of investing in short-term funds &nbsp; Ideal for the money that [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/best-mutual-funds-for-short-term-investments-in-2022\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":13207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822],"tags":[650,290,1069,1108],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Mutual Funds for Short-Term Investments in 2022 - Kuvera<\/title>\n<meta name=\"description\" content=\"Mutual funds that invest in debt instruments with maturities ranging up to three years are considered short-term mutual funds. 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