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Short term Debt Products

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Domestic mutual fund managers have taken a bullish stance on ultra shortterm debt products, saying the category could offer around 15% annualised return over the next one month on expected rally in short-term papers (CPs and CDs).


According to money managers, interest rates in ultra short-term debt products, mainly commercial papers (CP) and certificates of deposit (CD), are high as companies are facing tighter liquidity condition due to advance tax payments, and mutual funds are witnessing redemption pressure from corporates. It's a good opportunity for investors to make money through investment in CPs and CDs.
At present, interest rates are high in these shortterm papers as mutual funds are facing redemption pressure from corporates. We expect interest rates in short-term papers to ease over next one month as the RBI has cut interest rates. Thus, investors can make money as prices of these papers are expected to go up.

Currently, one-year CPs and CDs offer around 9%. Fund managers expect it to ease by 75 basis points (9% on annualised basis) over the next one month to 8.25%. Thus, people who are investing in short-term papers around post mid-March are likely to make 15-17% annualised return by April (current rate 9% on shortterm papers, plus 9% gain from rally due to easing short-term yields, on an
anualised basis), post deduction of expense ratio, which is around 1% to 1.5%.

Fund managers also expect portfolio reshuffling in favour of short-term debt products and see equity markets remaining flat over the next one month.

 

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