Table of Contents
- What are Low Risk Investment Funds?
- Best Low Risk Mutual Funds FY 22 - 23
- Frequently Asked Questions
- 1. How can I choose the best fund?
- 2. What is the appropriate investment type that has the lowest risk?
- 3. What is the use of a mutual fund calculator?
- 4. How much can I invest?
- 5. Is there a right time to invest?
- 6. Do I need a bank account to invest in mutual funds?
- 7. Is it necessary to contact a fund manager?
- 8. Can I withdraw my invested money?
- 9. Would I have to pay any penalty if I withdraw early?
Top 5 Funds
Top 5 Best Low Risk Mutual Funds to Invest in 2022
Generally, a newbie to investment or a senior citizen who wants to secure their funds look for low-risk Mutual Funds. When an investor wants to invest in a low-risk mutual funds it's usually because he needs to secure his money or earn optimal returns in a short duration.
So, if you are one of those you can read more
What are Low Risk Investment Funds?
Many investors look forward to Investing in mutual funds as these offer higher returns and also are more tax efficient than other instruments like fixed deposits. But, when it comes to risk-averse investors, these are investors who are looking for secure returns and can’t tolerate risk in investments. Also, a risk-averse investor won’t prefer investing in equities, as they are highly risky funds.
Debt fund are suited for risk-averse or even a newbie investor who is willing to invest in Mutual Funds. As debt funds invest in government Bonds, Money market funds, etc., they are relatively safer. There are various types of debt funds like Liquid Funds, ultra-short term funds, short term funds, dynamic bonds, gilts funds, etc., that vary in risks. long term debt funds are risky funds, thus investors with a low-risk appetite should avoid investing in these funds.
Liquid funds and ultra-short term funds are the lowest risky funds that’s aims at generating optimal returns for a short duration. Thus a newbies investor who wants to earn good returns on their idle money within a shorter tenure can invest here.
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Best Low Risk Mutual Funds FY 22 - 23
Liquid Funds
Liquid funds invest in securities that have a low maturity period, usually less than 91 days. These funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Investors who want risk-free investment can ideally prefer investing in these funds. Here are the top 5 Best Liquid Funds.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2021 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity JM Liquid Fund Growth ₹58.6298
↑ 0.01 ₹1,900 1.2 2 3.7 4 3.3 5.11% 1M 8D 1M 11D PGIM India Insta Cash Fund Growth ₹279.28
↑ 0.04 ₹624 1.2 2 3.7 4 3.3 4.61% 20D 22D Principal Cash Management Fund Growth ₹1,893.38
↑ 0.22 ₹2,363 1.2 2 3.7 3.8 3.2 5.14% 1M 5D 1M 5D Indiabulls Liquid Fund Growth ₹2,079.81
↑ 0.28 ₹229 1.1 1.9 3.5 3.8 3.1 4.35% 17D 18D Essel Liquid Fund Growth ₹2,351.72
↑ 0.30 ₹81 1.2 2.2 4.2 3.9 3.4 5.02% 22D 22D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 22
Ultra Short Term Funds
These funds invest in a combination of debt instruments like treasury bills, commercial papers, certificate of deposits, and corporate bonds. The funds have a lower residual maturity, ranging from 6 months to 1 year. Ultra Short Term fund offer good returns with very less Market volatility. Newbie investors who are looking for better returns than Liquid Funds should prefer investing in these funds, as they provide better returns than liquid funds. Here are the top 5 best ultra-short term funds.
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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments. Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan Returns up to 1 year are on To provide high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market & debt securities. However, there can be no assurance that the investment objective will be achieved. The scheme does not assure or guarantee any returns. Essel Liquid Fund is a Debt - Liquid Fund fund was launched on 19 Feb 10. It is a fund with Low risk and has given a Below is the key information for Essel Liquid Fund Returns up to 1 year are on The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized. IDBI Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Jul 10. It is a fund with Low risk and has given a Below is the key information for IDBI Liquid Fund Returns up to 1 year are on To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities. Baroda Pioneer Liquid Fund is a Debt - Liquid Fund fund was launched on 5 Feb 09. It is a fund with Low risk and has given a Below is the key information for Baroda Pioneer Liquid Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2021 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹445.87
↓ -0.10 ₹14,161 1.2 2 3.9 5.4 3.9 6.37% 6M 4D 6M 7D UTI Ultra Short Term Fund Growth ₹3,499.36
↓ -0.16 ₹1,948 1.1 1.8 6.2 5.4 6.1 5.68% 4M 9D 4M 15D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D BOI AXA Ultra Short Duration Fund Growth ₹2,636.48
↓ -0.09 ₹125 1.1 1.8 3.4 4.3 3.2 5.73% 3M 22D 3M 29D ICICI Prudential Ultra Short Term Fund Growth ₹22.7086
↑ 0.00 ₹10,489 1.2 1.9 3.8 5.3 4 5.74% 4M 2D 4M 13D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 22 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2021 was 3.9% , 2020 was 7% and 2019 was 8.5% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (05 Aug 22) ₹445.87 ↓ -0.10 (-0.02 %) Net Assets (Cr) ₹14,161 on 30 Jun 22 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio 0.15 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.37% Effective Maturity 6 Months 7 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 17 ₹10,000 31 Jul 18 ₹10,652 31 Jul 19 ₹11,591 31 Jul 20 ₹12,516 31 Jul 21 ₹13,090 31 Jul 22 ₹13,592 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22 Duration Returns 1 Month 0.4% 3 Month 1.2% 6 Month 2% 1 Year 3.9% 3 Year 5.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% 2012 9.7% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 14 Jun 14 8.14 Yr. Kaustubh Gupta 15 Jul 11 11.05 Yr. Monika Gandhi 22 Mar 21 1.36 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 22
Asset Allocation
Asset Class Value Cash 60.68% Debt 39.32% Debt Sector Allocation
Sector Value Corporate 56.2% Cash Equivalent 22.35% Government 21.45% Credit Quality
Rating Value AA 10.8% AAA 89.2% Top Securities Holdings / Portfolio
Name Holding Value Quantity Housing Development Finance Corporation Ltd
Debentures | -4% ₹603 Cr 6,000 182 Dtb 08092022
Sovereign Bonds | -3% ₹397 Cr 40,000,000 Shriram Transport Finance Company Limited
Debentures | -2% ₹282 Cr 2,750 Reliance Industries Limited
Debentures | -2% ₹259 Cr 2,500 08.54 MH Sdl 2023
Sovereign Bonds | -2% ₹249 Cr 24,500,000 Housing Development Finance Corporation Ltd
Debentures | -2% ₹246 Cr 2,450 08.21 HR UDAY 2023
Domestic Bonds | -2% ₹238 Cr 23,500,000
↑ 500,000 08.39 RJ UDAY 2023
Domestic Bonds | -1% ₹218 Cr 21,477,000 08.24 GJ Sdl 2023
Sovereign Bonds | -1% ₹213 Cr 21,000,000 08.48 KA Sdl 2022
Sovereign Bonds | -1% ₹201 Cr 20,000,000 2. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.9% since its launch. Return for 2021 was 11.9% , 2020 was 4% and 2019 was 9.6% . Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (05 Aug 22) ₹34.8738 ↑ 0.04 (0.12 %) Net Assets (Cr) ₹295 on 30 Jun 22 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.52 Sharpe Ratio 2.87 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity 1 Year 15 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Jul 17 ₹10,000 31 Jul 18 ₹10,763 31 Jul 19 ₹11,810 31 Jul 20 ₹12,348 31 Jul 21 ₹13,377 31 Jul 22 ₹15,185
Purchase not allowed Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22 Duration Returns 1 Month 0.5% 3 Month 1.2% 6 Month 5.8% 1 Year 13.5% 3 Year 8.7% 5 Year 8.7% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 11.9% 2020 4% 2019 9.6% 2018 8.7% 2017 8.2% 2016 9.7% 2015 9.7% 2014 10% 2013 10% 2012 10.3% Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Santosh Kamath 25 Oct 18 3.77 Yr. Pallab Roy 1 Jun 08 14.18 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 30 Jun 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 100% Credit Quality
Rating Value A 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Overnight Fund Dir Gr
Investment Fund | -100% ₹296 Cr 846,137 Call, Cash & Other Assets
Net Current Assets | -0% ₹0 Cr 3. Essel Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 12 in Liquid Fund category. Return for 2021 was 3.4% , 2020 was 3.7% and 2019 was 6.2% . Essel Liquid Fund
Growth Launch Date 19 Feb 10 NAV (05 Aug 22) ₹2,351.72 ↑ 0.30 (0.01 %) Net Assets (Cr) ₹81 on 30 Jun 22 Category Debt - Liquid Fund AMC Essel Funds Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.19 Sharpe Ratio 1.77 Information Ratio -2.96 Alpha Ratio 0.14 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.02% Effective Maturity 22 Days Modified Duration 22 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 17 ₹10,000 31 Jul 18 ₹10,700 31 Jul 19 ₹11,481 31 Jul 20 ₹12,004 31 Jul 21 ₹12,368 31 Jul 22 ₹12,881 Returns for Essel Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22 Duration Returns 1 Month 0.4% 3 Month 1.2% 6 Month 2.2% 1 Year 4.2% 3 Year 3.9% 5 Year 5.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.4% 2020 3.7% 2019 6.2% 2018 7.4% 2017 6.8% 2016 7.8% 2015 8.4% 2014 9.2% 2013 9.5% 2012 9.9% Fund Manager information for Essel Liquid Fund
Name Since Tenure Surbhi Sharma 11 Mar 22 0.39 Yr. Data below for Essel Liquid Fund as on 30 Jun 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 90.13% Corporate 9.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent
Net Current Assets | -24% ₹16 Cr Housing Development Finance Corporation Ltd
Debentures | -15% ₹10 Cr 1,000,000 91 DTB 06102022
Sovereign Bonds | -15% ₹10 Cr 1,000,000
↑ 1,000,000 Godrej Industries
Commercial Paper | -13% ₹9 Cr 900,000
↑ 900,000 Ujjivan Small Finance Bank Limited
Certificate of Deposit | -12% ₹8 Cr 800,000 91 Dtb 08092022
Sovereign Bonds | -7% ₹5 Cr 500,000 Northern Arc Capital Limited
Commercial Paper | -7% ₹5 Cr 500,000 Time Technoplast Limited
Commercial Paper | -7% ₹5 Cr 500,000 91 Dtb 07072022
Sovereign Bonds | -₹0 Cr 00
↓ -1,000,000 91 Dtb 13072022
Sovereign Bonds | -₹0 Cr 00
↓ -500,000 4. IDBI Liquid Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 37 in Liquid Fund category. Return for 2021 was 3.4% , 2020 was 4.5% and 2019 was 6.6% . IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (06 Aug 22) ₹2,306.54 ↑ 0.35 (0.02 %) Net Assets (Cr) ₹650 on 30 Jun 22 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio -1.5 Information Ratio -1.92 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 4.73% Effective Maturity 25 Days Modified Duration 25 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 17 ₹10,000 31 Jul 18 ₹10,697 31 Jul 19 ₹11,494 31 Jul 20 ₹12,126 31 Jul 21 ₹12,538 31 Jul 22 ₹13,006 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22 Duration Returns 1 Month 0.4% 3 Month 1.2% 6 Month 2% 1 Year 3.8% 3 Year 4.2% 5 Year 5.4% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.4% 2020 4.5% 2019 6.6% 2018 7.5% 2017 6.6% 2016 7.5% 2015 8.3% 2014 9% 2013 9% 2012 9.7% Fund Manager information for IDBI Liquid Fund
Name Since Tenure Raju Sharma 3 May 17 5.25 Yr. Data below for IDBI Liquid Fund as on 30 Jun 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 83.97% Corporate 8.38% Government 7.65% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 13102022
Sovereign Bonds | -21% ₹134 Cr 13,608,000
↑ 13,608,000 Treps
CBLO/Reverse Repo | -10% ₹67 Cr 182 Dtb 29092022
Sovereign Bonds | -9% ₹59 Cr 6,000,000
↑ 6,000,000 Punjab National Bank
Certificate of Deposit | -8% ₹50 Cr 5,000,000 Aditya Birla Money
Commercial Paper | -8% ₹50 Cr 5,000,000 KEC International
Commercial Paper | -8% ₹50 Cr 5,000,000 Housing Development Finance Corp Ltd.
Commercial Paper | -8% ₹50 Cr 5,000,000 Reliance Retail Ventures Limited
Commercial Paper | -8% ₹50 Cr 5,000,000 Hdfc Bank Limited
Certificate of Deposit | -5% ₹30 Cr 3,000,000 J.K.Cement Limited
Commercial Paper | -5% ₹30 Cr 3,000,000
↑ 3,000,000 5. Baroda Pioneer Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 22 in Liquid Fund category. Return for 2021 was 3.3% , 2020 was 4.1% and 2019 was 6.6% . Baroda Pioneer Liquid Fund
Growth Launch Date 5 Feb 09 NAV (05 Aug 22) ₹2,467.5 ↑ 0.26 (0.01 %) Net Assets (Cr) ₹5,830 on 30 Jun 22 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.31 Sharpe Ratio -2.07 Information Ratio -2.4 Alpha Ratio -0.19 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.3% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 17 ₹10,000 31 Jul 18 ₹10,702 31 Jul 19 ₹11,496 31 Jul 20 ₹12,093 31 Jul 21 ₹12,485 31 Jul 22 ₹12,952 Returns for Baroda Pioneer Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22 Duration Returns 1 Month 0.4% 3 Month 1.2% 6 Month 2% 1 Year 3.8% 3 Year 4.1% 5 Year 5.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.3% 2020 4.1% 2019 6.6% 2018 7.5% 2017 6.7% 2016 7.8% 2015 8.4% 2014 9.1% 2013 9.2% 2012 9.7% Fund Manager information for Baroda Pioneer Liquid Fund
Name Since Tenure Alok Sahoo 5 Feb 09 13.49 Yr. Vikram Pamnani 14 Mar 22 0.38 Yr. Data below for Baroda Pioneer Liquid Fund as on 30 Jun 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 75.57% Corporate 14.88% Government 9.56% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps 18-Jul-2022
CBLO/Reverse Repo | -8% ₹557 Cr 182 Dtb 15092022
Sovereign Bonds | -5% ₹372 Cr 37,500,000 HDFC Bank Limited
Certificate of Deposit | -5% ₹348 Cr 7,000
↓ -1,420 Indian Oil Corporation Limited
Commercial Paper | -5% ₹348 Cr 7,000
↑ 7,000 Canara Bank
Certificate of Deposit | -4% ₹299 Cr 6,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹299 Cr 6,000 5.00% Reverse Repo 18-Jul-2022
CBLO/Reverse Repo | -4% ₹250 Cr 4.81% Reverse Repo 18-Jul-2022
CBLO/Reverse Repo | -4% ₹250 Cr Housing Development Finance Corporation Limited
Commercial Paper | -4% ₹249 Cr 5,000 Larsen And Toubro Limited
Commercial Paper | -3% ₹199 Cr 4,000
Frequently Asked Questions
1. How can I choose the best fund?
A. The investment choice is based upon a variety of factors, like the fund managers, historical returns, fees and loads, investment style, investment objective, investment horizon and more. Thus, to pick the best fund, make sure you analyze every important Factor cautiously before moving ahead.
2. What is the appropriate investment type that has the lowest risk?
A. Because of the unpredictable situation of the Economy and the availability of varying investment options, it is quite difficult to evaluate a safe option. However, some of the options that you can consider include bank fixed deposits, municipal bonds, certificate of deposits, and more.
3. What is the use of a mutual fund calculator?
A. The mutual fund calculator offers an investment value at maturity by evaluating the returns according to the investment horizon. You can set different variables of the calculator, like duration, anticipated return rate, frequency, investment amount and more to figure out your benefits.
4. How much can I invest?
A. The amount mainly depends upon your requirements, budget and objectives of the investment. However, keep in mind that you only invest the surplus money, irrespective of the amount.
5. Is there a right time to invest?
A. There is no right time to invest. For better and best returns, it is recommended that you should start investing right away.
6. Do I need a bank account to invest in mutual funds?
A. Yes, it is necessary to have a bank account with KYC/cKYC, aadhaar card and PAN Card to invest in mutual funds.
7. Is it necessary to contact a fund manager?
A. Yes! When investing in mutual funds, experience plays a major role so as to generate good performance. The more the experience, the better will be the possibility of gaining the best returns. Thus, make sure that you get in touch with an experienced fund manager.
8. Can I withdraw my invested money?
A. Most of the schemes in a mutual fund are open-end schemes. This allows you to withdraw the entire invested amount at any point in time. However, there could be a few situations where you may experience restrictions.
9. Would I have to pay any penalty if I withdraw early?
A. If you have invested in open-end schemes, you may not have to pay the penalty. However, some schemes might not be as liquid as the others. So, you will have to re-check this factor before investing.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Very Good
good information on funds. appreciated!!!