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.
Talk to our investment specialist
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 ₹251.716
↑ 0.03 ₹715 1.4 3.2 7.1 7 7.4 5.76% 1M 10D 1M 10D JM Liquid Fund Growth ₹52.9457
↑ 0.01 ₹1,042 1.4 3.1 7 7 7.4 5.75% 1M 1D 1M 1D Indiabulls Liquid Fund Growth ₹1,885.47
↑ 0.27 ₹638 1.4 3.1 6.9 6.9 7.3 6.17% 25D 25D Principal Cash Management Fund Growth ₹1,715.54
↑ 0.24 ₹210 1.4 2.9 6.4 3.7 -1.8 5.59% 1M 5D 1M 6D Reliance Liquid Fund Growth ₹4,721.5
↑ 0.61 ₹21,997 1.4 3.3 7.1 7 7.4 5.78% 1M 25D 1M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Nov 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.
The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized. IDBI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 Sep 10. It is a fund with Moderately Low risk and has given a Below is the key information for IDBI Ultra Short Term 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 (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 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 SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a Below is the key information for SBI Magnum Ultra Short Duration 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 ₹27.6984
↓ 0.00 ₹20,130 2 4.6 9.9 8.8 8.7 9.69% 5M 16D 6M 18D Aditya Birla Sun Life Savings Fund Growth ₹388.184
↑ 0.03 ₹14,739 1.9 4.4 9.1 7.8 7.6 6.75% 4M 28D 5M 12D BOI AXA Ultra Short Duration Fund Growth ₹2,366.81
↑ 0.23 ₹305 1.7 3.9 8.1 7.8 7.6 6.34% 5M 1D 5M 17D Indiabulls Ultra Short Term Fund Growth ₹1,894.38
↑ 0.25 ₹44 1.6 3.8 8.1 7.4 7.1 6.32% 3M 14D UTI Ultra Short Term Fund Growth ₹3,045.29
↑ 0.45 ₹2,695 1.7 -0.2 3.7 5.7 7 7.29% 4M 3D 5M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Nov 19 1. IDBI Ultra Short Term Fund
CAGR/Annualized return of 8% since its launch. Ranked 78 in Ultrashort Bond category. Return for 2018 was 6.9% , 2017 was 5.8% and 2016 was 7.9% . IDBI Ultra Short Term Fund
Growth Launch Date 3 Sep 10 NAV (08 Nov 19) ₹2,025.71 ↑ 0.09 (0.00 %) Net Assets (Cr) ₹177 on 30 Sep 19 Category Debt - Ultrashort Bond AMC IDBI Asset Management Limited Rating ☆ Risk Moderately Low Expense Ratio 1.36 Sharpe Ratio 0.64 Information Ratio -0.18 Alpha Ratio 12.63 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.12% Effective Maturity 7 Months 5 Days Modified Duration 5 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹10,816 31 Oct 16 ₹11,655 31 Oct 17 ₹12,394 31 Oct 18 ₹13,136 31 Oct 19 ₹14,099 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19 Duration Returns 1 Month 0.6% 3 Month 6.2% 6 Month 3.2% 1 Year 7.3% 3 Year 6.5% 5 Year 7.1% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2018 6.9% 2017 5.8% 2016 7.9% 2015 7.8% 2014 8.7% 2013 9.2% 2012 9.7% 2011 9.3% 2010 2009 Fund Manager information for IDBI Ultra Short Term Fund
Name Since Tenure Bhupesh Kalyani 1 Feb 17 2.75 Yr. Data below for IDBI Ultra Short Term Fund as on 30 Sep 19
Asset Allocation
Asset Class Value Cash 70.86% Debt 29.14% Debt Sector Allocation
Sector Value Cash Equivalent 43.33% Corporate 32.93% Government 23.74% Credit Quality
Rating Value A 16.56% AA 33.81% AAA 49.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -41% ₹73 Cr 7,347,081
↓ -1,282,375 HDFC Bank Limited
Certificate of Deposit | -14% ₹24 Cr 2,500,000 National Bank For Agriculture And Rural Development
Certificate of Deposit | -14% ₹24 Cr 2,500,000 Punjab National Bank
Debentures | -9% ₹17 Cr 1,700,000 J.K.Cement Limited
Debentures | -8% ₹15 Cr 2,500,000 ECL Finance Limited
Debentures | -8% ₹15 Cr 1,500,000 Net Receivable / Payable
Net Current Assets | -2% ₹3 Cr Axis Bank Limited
Debentures | -2% ₹3 Cr 300,000 Housing And Urban Development Corporation Ltd.
Debentures | -1% ₹1 Cr 100,000 J.K.Cement Limited
Debentures | -0% ₹1 Cr 200,000 2. 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 (08 Nov 19) ₹27.6984 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹20,130 on 30 Sep 19 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 0.37 Sharpe Ratio 10.21 Information Ratio 3.38 Alpha Ratio 0.05 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 9.69% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹10,980 31 Oct 16 ₹12,038 31 Oct 17 ₹13,098 31 Oct 18 ₹14,100 31 Oct 19 ₹15,516 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 8 Nov 19 Duration Returns 1 Month 0.7% 3 Month 2% 6 Month 4.6% 1 Year 9.9% 3 Year 8.8% 5 Year 9.2% 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 0.85 Yr. Pallab Roy 1 Jun 08 11.26 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 30 Sep 19
Asset Allocation
Asset Class Value Cash 19.59% Debt 65.54% Other 14.87% Debt Sector Allocation
Sector Value Corporate 71.17% Cash Equivalent 13.09% Government 0.87% Credit Quality
Rating Value A 37.96% AA 50.11% AAA 11.93% Top Securities Holdings / Portfolio
Name Holding Value Quantity Call, Cash & Other Assets
Receivables | -15% ₹2,993 Cr Vedanta Limited
Debentures | -4% ₹790 Cr 7,900 Vodafone Mobile Services Limited
Debentures | -4% ₹744 Cr 7,990 DOLVI Minerals & Metals Private Limited
Debentures | -4% ₹707 Cr 3,910 Renew Power Ventures Private Limited
Debentures | -3% ₹674 Cr 6,740 JM FINANCIAL CREDIT SOLUTIONS LIMITED
Debentures | -3% ₹540 Cr 5,400 REC LIMITED
Commercial Paper | -2% ₹465 Cr 9,500 Indostar Capital Finance Limited
Debentures | -2% ₹440 Cr 4,400 Bharti Airtel Limited
Debentures | -2% ₹399 Cr 4,000
↑ 500 INDOSTAR CAPITAL FINANCE LIMITED
Debentures | -2% ₹390 Cr 3,900
↑ 3,900 3. 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 (08 Nov 19) ₹19.8353 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹5,508 on 30 Sep 19 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.56 Sharpe Ratio 10.66 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 8.11% Effective Maturity 5 Months 19 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹11,023 31 Oct 16 ₹12,065 31 Oct 17 ₹13,008 31 Oct 18 ₹13,849 31 Oct 19 ₹15,071 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19 Duration Returns 1 Month 0.8% 3 Month 2% 6 Month 4.3% 1 Year 8.8% 3 Year 7.7% 5 Year 8.4% 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 2.62 Yr. Ritesh Lunawat 15 Jun 17 2.04 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Sep 19
Asset Allocation
Asset Class Value Cash 31.84% Debt 68.16% Debt Sector Allocation
Sector Value Corporate 70.62% Cash Equivalent 20.42% Government 8.96% Credit Quality
Rating Value A 6.11% AA 58.7% AAA 35.19% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹267 Cr 2,650 NIRCHEM Cement Limited
Debentures | -4% ₹206 Cr 2,060
↑ 1,810 MANAPPURAM FINANCE LIMITED
Debentures | -4% ₹200 Cr 2,000
↑ 2,000 Writers And Publishers Private Limited
Debentures | -3% ₹179 Cr 1,782 JSW Steel Limited
Debentures | -3% ₹161 Cr 1,595 Ashoka Buildcon Ltd.
Debentures | -3% ₹151 Cr 1,500 Bahadur Chand Investments Private Limited
Debentures | -3% ₹151 Cr 1,500 Tata Value Homes Limited
Debentures | -3% ₹150 Cr 1,500
↑ 1,500 Aspire Home Finance Corporation Limited
Debentures | -3% ₹150 Cr 1,500 TRIL IT4 Private Limited
Debentures | -2% ₹137 Cr 1,372
↑ 372 4. 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 (08 Nov 19) ₹388.184 ↑ 0.03 (0.01 %) Net Assets (Cr) ₹14,739 on 30 Sep 19 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.35 Sharpe Ratio 10.27 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.75% Effective Maturity 5 Months 12 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹10,914 31 Oct 16 ₹11,921 31 Oct 17 ₹12,840 31 Oct 18 ₹13,703 31 Oct 19 ₹14,954 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 4.4% 1 Year 9.1% 3 Year 7.8% 5 Year 8.4% 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 4.89 Yr. Kaustubh Gupta 15 Jul 11 8.14 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Sep 19
Asset Allocation
Asset Class Value Cash 45.3% Debt 54.7% Debt Sector Allocation
Sector Value Corporate 50.2% Cash Equivalent 24.59% Government 24.4% Securitized 0.81% Credit Quality
Rating Value AA 15.57% AAA 84.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
Net Current Assets | -5% ₹715 Cr 6.35% Govt Stock 2020
Sovereign Bonds | -4% ₹631 Cr 63,000,000
↑ 34,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹538 Cr 5,350 Power Finance Corporation Ltd.
Debentures | -3% ₹466 Cr 4,650 Rural Electrification Corporation Limited
Debentures | -3% ₹428 Cr 4,263 Bharti Telecom Limited
Debentures | -3% ₹399 Cr 3,500 POWER FINANCE CORPORATION LIMITED
Debentures | -2% ₹308 Cr 3,050 Power Finance Corporation Ltd.
Debentures | -2% ₹293 Cr 2,900 Hinduja Leyland Finance Limited
Debentures | -2% ₹251 Cr 2,500 Muthoot Finance Limited
Debentures | -2% ₹224 Cr 2,250,000
↑ 1,650,000 5. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.4% since its launch. Return for 2018 was 7.9% , 2017 was 6.6% and 2016 was 7.7% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (08 Nov 19) ₹4,345.55 ↑ 0.53 (0.01 %) Net Assets (Cr) ₹8,427 on 30 Sep 19 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 9.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment Exit Load NIL Yield to Maturity 6.51% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹10,848 31 Oct 16 ₹11,695 31 Oct 17 ₹12,475 31 Oct 18 ₹13,397 31 Oct 19 ₹14,548 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Nov 19 Duration Returns 1 Month 0.7% 3 Month 1.8% 6 Month 4.1% 1 Year 8.5% 3 Year 7.5% 5 Year 7.8% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 7.9% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9% 2013 9.3% 2012 9.3% 2011 8.7% 2010 5.4% 2009 4.8% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Rajeev Radhakrishnan 1 May 10 9 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 30 Sep 19
Asset Allocation
Asset Class Value Cash 66.67% Debt 33.33% Debt Sector Allocation
Sector Value Corporate 61.01% Cash Equivalent 21.24% Government 15.61% Securitized 2.14% Credit Quality
Rating Value AA 9.43% AAA 90.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -5% ₹450 Cr 9,000
↑ 9,000 Treps
CBLO/Reverse Repo | -4% ₹355 Cr NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Certificate of Deposit | -4% ₹336 Cr 35,000 ASHOK LEYLAND LIMITED
Commercial Paper | -3% ₹243 Cr 5,000
↑ 5,000 ANDHRA BANK
Certificate of Deposit | -3% ₹241 Cr 25,000 BANK OF BARODA
Certificate of Deposit | -3% ₹240 Cr 25,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹234 Cr 24,000
↑ 10,000 POWER FINANCE CORPORATION LIMITED
Debentures | -3% ₹227 Cr 2,250 HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -2% ₹209 Cr 4,280 AXIS BANK LIMITED
Certificate of Deposit | -2% ₹205 Cr 21,000
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.
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2019 Shepard Technologies Private Limited. All Rights Reserved