Table of Contents
- What are Low Risk Investment Funds?
- Best Low Risk Mutual Funds FY 19 - 20
Top 5 Debt - Ultrashort Bond Funds
Top 5 Best Low Risk Mutual Funds to Invest in 2019
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 19 - 20
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 (%) 2018 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DHFL Pramerica Insta Cash Fund Growth ₹242.835
↑ 0.05 ₹1,794 1.8 3.8 7.6 7.2 7.4 7.48% 1M 10D 1M 10D JM Liquid Fund Growth ₹51.1127
↑ 0.01 ₹2,559 1.8 3.7 7.5 7.2 7.4 7.14% 13D 13D Indiabulls Liquid Fund Growth ₹1,820.34
↑ 0.34 ₹5,045 1.8 3.7 7.4 7.2 7.3 6.93% 26D 29D Principal Cash Management Fund Growth ₹1,660.13
↑ 0.31 ₹379 1.7 3.4 -1.9 4 -1.8 6.59% 13D 14D Essel Liquid Fund Growth ₹2,056.6
↑ 0.38 ₹303 1.8 3.8 7.5 7.2 7.4 7.18% 25D 25D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 19
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.
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 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 (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Reliance Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Reliance Ultra Short Duration Fund Returns up to 1 year are on To provide liquidity with returns commensurate with low risk through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 6 Jan 12. It is a fund with Moderately Low risk and has given a Below is the key information for Indiabulls Ultra Short Term Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2018 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹26.373
↑ 0.00 ₹16,712 2.3 5.3 9.2 8.9 8.7 9.53% 4M 20D 5M 27D Aditya Birla Sun Life Savings Fund Growth ₹370.331
↑ 0.08 ₹14,018 2.1 4.5 8 7.9 7.6 8.39% 3M 22D 4M 2D BOI AXA Ultra Short Duration Fund Growth ₹2,268.6
↑ 0.18 ₹248 1.8 4.1 7.6 8.1 7.6 9.19% 4M 20D 5M 6D Indiabulls Ultra Short Term Fund Growth ₹1,818.85
↑ 0.17 ₹563 2.1 4.1 7.5 7.6 7.1 8.04% 4M 4D 4M 6D UTI Ultra Short Term Fund Growth ₹3,038.79
↑ 0.57 ₹5,463 1.8 3.9 7.2 7.3 7 8.91% 2M 28D 4M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Apr 19 1. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.9% since its launch. Return for 2018 was 8.7% , 2017 was 8.2% and 2016 was 9.7% . Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (16 Apr 19) ₹26.373 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹16,712 on 28 Feb 19 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.37 Sharpe Ratio 8.16 Information Ratio 3.53 Alpha Ratio -2.1 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 9.53% Effective Maturity 5 Months 27 Days Modified Duration 4 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 14 ₹10,000 31 Mar 15 ₹10,998 31 Mar 16 ₹12,057 31 Mar 17 ₹13,206 31 Mar 18 ₹14,267 31 Mar 19 ₹15,582 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 16 Apr 19 Duration Returns 1 Month 0.8% 3 Month 2.3% 6 Month 5.3% 1 Year 9.2% 3 Year 8.9% 5 Year 9.3% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2018 8.7% 2017 8.2% 2016 9.7% 2015 9.7% 2014 10% 2013 10% 2012 10.3% 2011 9.4% 2010 5.9% 2009 6.1% Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Santosh Kamath 25 Oct 18 0.43 Yr. Pallab Roy 1 Jun 08 10.84 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 28 Feb 19
Asset Allocation
Asset Class Value Cash 13.45% Debt 84% Other 2.55% Debt Sector Allocation
Sector Value Corporate 85.87% Cash Equivalent 10.56% Government 1.03% Credit Quality
Rating Value A 39.33% AA 41.09% AAA 19.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vodafone Mobile Services Limited
Debentures | -5% ₹768 Cr 7,990 Renew Power Ventures Private Limited
Debentures | -4% ₹674 Cr 6,740 ONGC Petro Additions Limited
Debentures | -3% ₹500 Cr 500
↑ 500 Indostar Capital Finance Limited
Debentures | -3% ₹440 Cr 4,400 Call, Cash & Other Assets
Receivables | -3% ₹426 Cr INDOSTAR CAPITAL FINANCE LIMITED
Debentures | -2% ₹385 Cr 3,850
↑ 3,850 EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -2% ₹375 Cr 7,500 EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -2% ₹366 Cr 3,650
↑ 3,650 Piramal Realty Private Limited
Debentures | -2% ₹351 Cr 3,500 Yes Capital (India) Private Limited
Debentures | -2% ₹349 Cr 3,037
↓ -304 2. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.8% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2018 was 7.6% , 2017 was 7.2% and 2016 was 9.2% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (16 Apr 19) ₹370.331 ↑ 0.08 (0.02 %) Net Assets (Cr) ₹14,018 on 28 Feb 19 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.35 Sharpe Ratio 7.22 Information Ratio 0.72 Alpha Ratio 2.95 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 8.39% Effective Maturity 4 Months 2 Days Modified Duration 3 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 14 ₹10,000 31 Mar 15 ₹10,942 31 Mar 16 ₹11,910 31 Mar 17 ₹12,959 31 Mar 18 ₹13,896 31 Mar 19 ₹15,006 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19 Duration Returns 1 Month 0.8% 3 Month 2.1% 6 Month 4.5% 1 Year 8% 3 Year 7.9% 5 Year 8.5% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% 2012 9.7% 2011 9.2% 2010 5.8% 2009 5.8% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 11 Oct 14 4.31 Yr. Kaustubh Gupta 15 Jul 11 7.55 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 19
Asset Allocation
Asset Class Value Cash 33.94% Debt 66.06% Debt Sector Allocation
Sector Value Corporate 55.83% Cash Equivalent 32.33% Government 7.92% Securitized 3.92% Credit Quality
Rating Value A 6.03% AA 20.27% AAA 73.71% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vodafone Mobile Services Limited
Debentures | -6% ₹798 Cr 8,050 ONGC Petro Additions Limited
Debentures | -3% ₹460 Cr 460 PNB Housing Finance Limited
Debentures | -3% ₹396 Cr 4,000 PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Commercial Paper | -3% ₹371 Cr 7,500
↑ 7,500 NRSS XXIX TRANSMISSION LIMITED
Debentures | -3% ₹351 Cr 3,500 Shriram Transport Finance Company Limited
Debentures | -3% ₹349 Cr 3,500 IndusInd Bank Limited
Certificate of Deposit | -2% ₹335 Cr 35,000
↑ 35,000 Reliance Industries Limited
Debentures | -2% ₹311 Cr 3,150
↑ 3,150 AXIS BANK LIMITED
Certificate of Deposit | -2% ₹304 Cr 32,500
↑ 32,500 PIRAMAL CAPITAL & HOUSING FINANCE LIMITED
Commercial Paper | -2% ₹272 Cr 5,500
↑ 5,500 3. Reliance Ultra Short Duration Fund
CAGR/Annualized return of 6.4% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2018 was 7.3% , 2017 was 5.8% and 2016 was 6.8% . Reliance Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (16 Apr 19) ₹2,919.74 ↑ 0.83 (0.03 %) Net Assets (Cr) ₹5,103 on 28 Feb 19 Category Debt - Ultrashort Bond AMC Reliance Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.06 Sharpe Ratio 9.35 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 9.83% Effective Maturity 6 Months 24 Days Modified Duration 4 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 14 ₹10,000 31 Mar 15 ₹10,835 31 Mar 16 ₹11,645 31 Mar 17 ₹12,384 31 Mar 18 ₹13,119 31 Mar 19 ₹14,165 Returns for Reliance Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19 Duration Returns 1 Month 0.8% 3 Month 2.1% 6 Month 4.4% 1 Year 8.1% 3 Year 6.8% 5 Year 7.2% 10 Year 15 Year Since launch 6.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% 2013 8.5% 2012 9.2% 2011 9% 2010 4.5% 2009 2.5% Fund Manager information for Reliance Ultra Short Duration Fund
Name Since Tenure Anju Chhajer 1 Oct 13 5.34 Yr. Vivek Sharma 1 Oct 13 5.34 Yr. Kinjal Desai 25 May 18 0.69 Yr. Data below for Reliance Ultra Short Duration Fund as on 28 Feb 19
Asset Allocation
Asset Class Value Cash 23.32% Debt 76.67% Other 0% Debt Sector Allocation
Sector Value Corporate 70.67% Cash Equivalent 23.32% Securitized 6% Credit Quality
Rating Value A 24.93% AA 50.19% AAA 24.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vodafone Mobile Services Limited
Debentures | -7% ₹297 Cr 3,000 Aasan Corporate Solutions Private Limited
Debentures | -6% ₹250 Cr 2,500 Morgan Credits Private Limited
Debentures | -6% ₹244 Cr 2,250 GE Capital Services India
Debentures | -5% ₹198 Cr 2,000 Dewan Housing Finance Corporation Limited
Debentures | -5% ₹197 Cr 2,000 Indian Hospitals Corporation Limited
Debentures | -4% ₹190 Cr 1,828 INDUSIND BANK LIMITED
Certificate of Deposit | -4% ₹173 Cr 17,500
↑ 17,500 Renew Power Ventures Private Limited
Debentures | -4% ₹171 Cr 1,700 ONGC Petro Additions Limited
Debentures | -3% ₹150 Cr 150
↓ -150 Durg Shivnath Expressways Private Limited
Debentures | -3% ₹125 Cr 1,250 4. Indiabulls Ultra Short Term Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 17 in Ultrashort Bond category. Return for 2018 was 7.1% , 2017 was 6.9% and 2016 was 8.8% . Indiabulls Ultra Short Term Fund
Growth Launch Date 6 Jan 12 NAV (16 Apr 19) ₹1,818.85 ↑ 0.17 (0.01 %) Net Assets (Cr) ₹563 on 28 Feb 19 Category Debt - Ultrashort Bond AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.71 Sharpe Ratio 9.8 Information Ratio 0.96 Alpha Ratio -0.04 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 8.04% Effective Maturity 4 Months 6 Days Modified Duration 4 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 14 ₹10,000 31 Mar 15 ₹10,950 31 Mar 16 ₹11,894 31 Mar 17 ₹12,902 31 Mar 18 ₹13,783 31 Mar 19 ₹14,827 Returns for Indiabulls Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19 Duration Returns 1 Month 0.8% 3 Month 2.1% 6 Month 4.1% 1 Year 7.5% 3 Year 7.6% 5 Year 8.2% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.1% 2017 6.9% 2016 8.8% 2015 8.8% 2014 9.3% 2013 8.8% 2012 2011 2010 2009 Fund Manager information for Indiabulls Ultra Short Term Fund
Name Since Tenure Malay Shah 22 Aug 14 4.52 Yr. Sourabh Sharma 17 Jan 19 0.12 Yr. Data below for Indiabulls Ultra Short Term Fund as on 28 Feb 19
Asset Allocation
Asset Class Value Cash 79.39% Debt 20.61% Debt Sector Allocation
Sector Value Cash Equivalent 79.39% Corporate 20.61% Credit Quality
Rating Value AA 17.13% AAA 82.87% Top Securities Holdings / Portfolio
Name Holding Value Quantity TALWANDI SABO POWER LTD
Debentures | -10% ₹50 Cr 5,000,000 Indiabulls Housing Finance Limited
Debentures | -10% ₹50 Cr 5,000,000 BANK OF BARODA
Certificate of Deposit | -10% ₹50 Cr 5,000,000
↑ 5,000,000 RELIANCE INDUSTRIES LIMITED
Commercial Paper | -10% ₹50 Cr 5,000,000
↑ 5,000,000 National Bank For Agriculture And Rural Development
Certificate of Deposit | -7% ₹37 Cr 4,000,000
↑ 4,000,000 INDIAN BANK
Certificate of Deposit | -7% ₹35 Cr 3,500,000
↑ 3,500,000 Punjab National Bank
Certificate of Deposit | -7% ₹35 Cr 3,500,000
↑ 3,500,000 Dewan Housing Finance Corporation Limited
Debentures | -7% ₹34 Cr 2,050,000 Tata Capital Financial Services Limited
Debentures | -5% ₹25 Cr 2,500,000
↑ 2,500,000 SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
Certificate of Deposit | -5% ₹24 Cr 2,500,000 5. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2018 was 7.5% , 2017 was 6.9% and 2016 was 9.8% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (16 Apr 19) ₹18.9407 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹4,041 on 28 Feb 19 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 7.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 8.91% Effective Maturity 6 Months 25 Days Modified Duration 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 14 ₹10,000 31 Mar 15 ₹11,485 31 Mar 16 ₹12,513 31 Mar 17 ₹13,695 31 Mar 18 ₹14,646 31 Mar 19 ₹15,771 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 19 Duration Returns 1 Month 0.8% 3 Month 2% 6 Month 4.4% 1 Year 7.7% 3 Year 7.9% 5 Year 9.7% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% 2013 3.1% 2012 9.4% 2011 2010 2009 Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 2.37 Yr. Ritesh Lunawat 15 Jun 17 1.79 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 28 Feb 19
Asset Allocation
Asset Class Value Cash 35.39% Debt 64.61% Debt Sector Allocation
Sector Value Corporate 64.61% Cash Equivalent 35.39% Credit Quality
Rating Value A 10.38% AA 62.68% AAA 26.93% Top Securities Holdings / Portfolio
Name Holding Value Quantity ONGC Petro Additions Limited
Debentures | -6% ₹250 Cr 250 Writers And Publishers Private Limited
Debentures | -5% ₹195 Cr 1,950 JSW Steel Limited
Debentures | -4% ₹161 Cr 1,595 Ashoka Buildcon Ltd.
Debentures | -4% ₹151 Cr 1,500 Bahadur Chand Investments Private Limited
Debentures | -4% ₹151 Cr 1,500 Tata Realty And Infrastructure Limited
Debentures | -4% ₹150 Cr 1,500 Aspire Home Finance Corporation Limited
Debentures | -4% ₹150 Cr 1,500 Manappuram Finance Limited
Debentures | -4% ₹148 Cr 1,481
↑ 881 NIRCHEM Cement Limited
Debentures | -4% ₹146 Cr 1,465
↑ 700 Incline Realty Private Limited
Debentures | -4% ₹142 Cr 142
↑ 82
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