TSEC Short Interest Drops 39.7%, Dividend Rises
TSEC Short Interest Drops 39.7%, Dividend Rises
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Key Points
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Bandhan Ultra Short to Short Term Fund was launched on Jan. 1, 2013, is managed by Harshal Joshi and is classified as a debt fund under Bandhan AMC.
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Bank of India Ultra Short Term Fund says it invests more than 50% of its portfolio in instruments maturing within one year, with the balance allowed in instruments of longer maturity; its stated objective is to generate market-linked returns while providing high liquidity.
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The reported duration of Bank of India Ultra Short Term Fund is 0.41 years, compared with its 0.42-year average maturity, providing an additional measure of its sensitivity to interest-rate movements.
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DSP Ultra Short Term Fund describes its objective as generating reasonable returns with low risk and high liquidity from money-market and high-quality debt securities; its reported duration is 0.6 years despite an average maturity of 0.18 years.
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LIC MF Ultra Short to Short Term Fund was launched on June 9, 2003, and its stated objective is to generate income through a portfolio of quality short-term debt securities; its reported duration is 0.79405479 years.
Indian ultra-short and short-term debt mutual funds are offering investors a balance of low-risk income and liquidity through money-market securities and short-duration bonds. Economic Times tracks several funds in this category, including Bandhan Ultra Short to Short Term Fund, which posted a NAV of ₹42.56 as of September 17, 2026, with one-year annualized returns of 6.21% and a minimal 0.34% expense ratio.
These funds carry interest-rate and credit risks that typically rise with longer bond maturities and lower-quality debt holdings. Bank of India Ultra Short Term Fund invests over 50% in securities maturing within one year, while DSP Ultra Short Term Fund maintains an average maturity of just 0.18 years for maximum stability.
Bandhan Fund Delivers Steady Returns Over Five Years
Bandhan Ultra Short to Short Term Fund, launched January 1, 2013, and managed by Harshal Joshi, has generated consistent returns across multiple timeframes. The direct plan showed three-year annualized returns of 7.13% and five-year returns of 6.36%, according to Economic Times. The fund charges just 0.34% in annual expenses and accepts a ₹100 minimum investment through systematic investment plans.
Bank of India Fund Prioritizes Liquidity and Short-Term Stability
Bank of India Ultra Short Term Fund structures its portfolio to minimize interest-rate sensitivity. The fund invests more than 50% in instruments maturing within one year, with remaining assets in longer-maturity securities, according to Economic Times. Its reported duration of 0.41 years closely tracks its 0.42-year average maturity, signaling stable, predictable interest-rate exposure.
DSP and LIC Funds Offer Different Risk-Return Profiles
DSP Ultra Short Term Fund targets reasonable returns with minimal risk through high-quality money-market and debt securities. Despite a 0.18-year average maturity, the fund has a 0.6-year duration, reflecting bond price sensitivity to interest-rate shifts, Economic Times reports. LIC MF Ultra Short to Short Term Fund, launched June 9, 2003, pursues income generation with a longer 0.84-year average maturity and 0.79-year duration.
Ultra-Short Funds Benchmarked Against Debt Indices
Bank of India and DSP Ultra Short Term funds track the CRISIL Ultra Short Duration Debt B-I Index, a benchmark for low-volatility debt strategies. LIC MF benchmarks against the broader CRISIL Low Duration Debt B-I Index, which accommodates longer maturities. These indices help investors compare fund performance against standardized short-term debt measures, Economic Times notes.
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