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Top 5 Best Low Risk Mutual Funds to Invest in 2020

Updated on July 29, 2020 , 16134 views

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.

low-risk-mf

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 20 - 21

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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
PGIM India Insta Cash Fund Growth ₹260.84
↑ 0.03
₹6511.12.45.36.66.73.53%29D1M 2D
JM Liquid Fund Growth ₹54.7363
↑ 0.01
₹3,1370.92.256.56.63.34%1M 2D1M 3D
Indiabulls Liquid Fund Growth ₹1,948.56
↑ 0.17
₹2410.82.156.46.60%
Principal Cash Management Fund Growth ₹1,770.71
↑ 0.16
₹1460.924.73.16.23.21%1M 1D1M 2D
Aditya Birla Sun Life Liquid Fund Growth ₹322.548
↑ 0.03
₹36,6791.12.55.36.66.73.67%1M 20D1M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 20

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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹410.131
↑ 0.14
₹11,8302.94.187.88.55.11%6M6M 18D
Indiabulls Ultra Short Term Fund Growth ₹1,982.95
↑ 0.14
₹241.63.46.677.60%
UTI Ultra Short Term Fund Growth ₹3,174.8
↑ 0.55
₹1,2961.72.86.35.33.35.83%4M 18D5M 12D
BOI AXA Ultra Short Duration Fund Growth ₹2,466.56
↑ 0.49
₹2091.62.96.37.27.53.75%3M 18D3M 24D
ICICI Prudential Ultra Short Term Fund Growth ₹20.8844
↑ 0.00
₹5,5712.63.57.67.58.46.18%3M 25D4M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 20

1. Aditya Birla Sun Life Savings Fund

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 CAGR/Annualized return of 7.8% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2019 was 8.5% , 2018 was 7.6% and 2017 was 7.2% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (31 Jul 20) ₹410.131 ↑ 0.14   (0.03 %)
Net Assets (Cr) ₹11,830 on 30 Jun 20
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.35
Sharpe Ratio 5.56
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.11%
Effective Maturity 6 Months 18 Days
Modified Duration 6 Months

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,912
31 Jul 17₹11,819
31 Jul 18₹12,589
31 Jul 19₹13,699

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 20

DurationReturns
1 Month 0.7%
3 Month 2.9%
6 Month 4.1%
1 Year 8%
3 Year 7.8%
5 Year 8.1%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.5%
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%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha11 Oct 145.72 Yr.
Kaustubh Gupta15 Jul 118.97 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash39.95%
Debt60.05%
Debt Sector Allocation
SectorValue
Corporate68.42%
Government15.54%
Cash Equivalent15.39%
Securitized0.65%
Credit Quality
RatingValue
AA10.75%
AAA89.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Net Current Assets | -
9%-₹1,031 Cr
Reliance Industries Limited
Commercial Paper | -
6%₹705 Cr14,500
↑ 14,500
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹377 Cr7,762
↓ -500
Bank Of Baroda
Certificate of Deposit | -
3%₹376 Cr38,500
↑ 38,500
Clearing Corporation Of India Limited
CBLO | -
3%₹375 Cr
Shriram Transport Finance Company Limited
Debentures | -
3%₹361 Cr3,750
Rec Limited
Debentures | -
3%₹354 Cr3,450
↑ 200
IndusInd Bank Limited
Certificate of Deposit | -
3%₹336 Cr35,000
Export-Import Bank Of India
Commercial Paper | -
3%₹322 Cr6,500
↑ 6,500
Rural Electrification Corporation Limited
Debentures | -
2%₹295 Cr2,900

2. Franklin India Ultra Short Bond Fund - Super Institutional Plan

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 CAGR/Annualized return of 8.6% since its launch.  Return for 2019 was 9.6% , 2018 was 8.7% and 2017 was 8.2% .

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth
Launch Date 18 Dec 07
NAV (31 Jul 20) ₹28.3034 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹9,772 on 30 Jun 20
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.42
Sharpe Ratio 0.45
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 9.81%
Effective Maturity 4 Months 28 Days
Modified Duration 4 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,966
31 Jul 17₹11,986
31 Jul 18₹12,900
31 Jul 19₹14,156

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 20

DurationReturns
1 Month 0.9%
3 Month 2.8%
6 Month 4.5%
1 Year 4.6%
3 Year 7.3%
5 Year 8.2%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.6%
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%
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash17.58%
Debt68.17%
Other14.25%
Debt Sector Allocation
SectorValue
Corporate66.63%
Cash Equivalent17.58%
Government1.54%
Credit Quality
RatingValue
A25.27%
AA74.71%
AAA0.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Call, Cash & Other Assets
Receivables | -
14%₹1,393 Cr
Vedanta Limited
Debentures | -
8%₹788 Cr7,900
JM FINANCIAL CREDIT SOLUTIONS LIMITED
Debentures | -
6%₹540 Cr5,400
Indostar Capital Finance Limited
Debentures | -
4%₹432 Cr4,400
INDOSTAR CAPITAL FINANCE LIMITED
Debentures | -
4%₹390 Cr3,900
↑ 3,900
EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -
4%₹372 Cr7,500
EDELWEISS COMMODITIES SERVICES LIMITED
Debentures | -
4%₹360 Cr3,650
Bharti Telecom Limited
Debentures | -
3%₹297 Cr2,400
Renew Power Ventures Private Limited
Debentures | -
3%₹287 Cr2,890
Piramal Enterprises Limited
Debentures | -
3%₹255 Cr2,550

3. ICICI Prudential Ultra Short Term Fund

(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 CAGR/Annualized return of 8.3% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2019 was 8.4% , 2018 was 7.5% and 2017 was 6.9% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (31 Jul 20) ₹20.8844 ↑ 0.00   (0.02 %)
Net Assets (Cr) ₹5,571 on 30 Jun 20
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.09
Sharpe Ratio 5.32
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 6.18%
Effective Maturity 4 Months 10 Days
Modified Duration 3 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,932
31 Jul 17₹11,882
31 Jul 18₹12,636
31 Jul 19₹13,702

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 20

DurationReturns
1 Month 0.6%
3 Month 2.6%
6 Month 3.5%
1 Year 7.6%
3 Year 7.5%
5 Year 8.1%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
2014 14.8%
2013 3.1%
2012 9.4%
2011
2010
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 163.63 Yr.
Ritesh Lunawat15 Jun 173.05 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash55.26%
Debt44.74%
Debt Sector Allocation
SectorValue
Corporate64.28%
Cash Equivalent34.91%
Government0.81%
Credit Quality
RatingValue
A5.29%
AA41.81%
AAA52.89%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
8%₹442 Cr
MANAPPURAM FINANCE LIMITED
Debentures | -
4%₹205 Cr2,000
JSW Energy Limited
Debentures | -
4%₹201 Cr2,000
Rural Electrification Corporation Limited
Debentures | -
3%₹177 Cr1,750
Tata Value Homes Limited
Debentures | -
3%₹152 Cr1,500
Aspire Home Finance Corporation Limited
Debentures | -
3%₹151 Cr1,500
84 DTB 20082020
Sovereign Bonds | -
3%₹149 Cr15,000,000
AU Small Finance Bank Limited
Certificate of Deposit | -
3%₹147 Cr15,000
Bharti Telecom Limited
Debentures | -
2%₹127 Cr1,250
Bahadur Chand Investments Private Limited
Debentures | -
2%₹125 Cr1,250

4. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.8% since its launch.  Ranked 44 in Ultrashort Bond category.  Return for 2019 was 7.8% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (31 Jul 20) ₹32.9374 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹9,189 on 30 Jun 20
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.68
Sharpe Ratio 8.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 4.27%
Effective Maturity 6 Months 7 Days
Modified Duration 6 Months

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,826
31 Jul 17₹11,643
31 Jul 18₹12,399
31 Jul 19₹13,417

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 20

DurationReturns
1 Month 0.5%
3 Month 2.1%
6 Month 3.6%
1 Year 7.1%
3 Year 7.3%
5 Year 7.5%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 7.8%
2018 7.4%
2017 6.7%
2016 8.2%
2015 8.6%
2014 9.4%
2013 8.9%
2012 9.6%
2011 9.2%
2010 5.7%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0812.22 Yr.

Data below for Kotak Savings Fund as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash34.55%
Debt65.45%
Debt Sector Allocation
SectorValue
Corporate42.86%
Cash Equivalent28.42%
Government24.91%
Securitized3.81%
Credit Quality
RatingValue
AA10.67%
AAA89.33%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
6%₹557 Cr5,520
↑ 5,500
Triparty Repo
CBLO/Reverse Repo | -
6%₹508 Cr
Export-Import Bank Of India
Commercial Paper | -
5%₹493 Cr10,000
↑ 10,000
HDB Financial Services Limited
Debentures | -
5%₹491 Cr4,000
↑ 4,000
Bharti Telecom Limited
Debentures | -
5%₹448 Cr4,400
↑ 1,400
Kotak Mahindra Prime Limited
Debentures | -
4%₹368 Cr3,000
↑ 3,000
BAJAJ HOUSING FINANCE LIMITED
Debentures | -
4%₹346 Cr3,000
↑ 3,000
08.04 CG SDL 2020
Sovereign Bonds | -
4%₹334 Cr32,925,000
8.55% U.P. GS 2020
Sovereign Bonds | -
3%₹305 Cr30,000,000
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
3%₹289 Cr30,000
↑ 30,000

5. SBI Magnum Ultra Short Duration Fund

(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 CAGR/Annualized return of 7.4% since its launch.  Return for 2019 was 8% , 2018 was 7.9% and 2017 was 6.6% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund
Growth
Launch Date 21 May 99
NAV (31 Jul 20) ₹4,564.45 ↑ 1.17   (0.03 %)
Net Assets (Cr) ₹9,750 on 30 Jun 20
Category Debt - Ultrashort Bond
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.28
Sharpe Ratio 8.96
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 4.17%
Effective Maturity 6 Months 18 Days
Modified Duration 6 Months

Growth of 10,000 investment over the years.

DateValue
31 Jul 15₹10,000
31 Jul 16₹10,803
31 Jul 17₹11,539
31 Jul 18₹12,359
31 Jul 19₹13,404

SBI Magnum Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Jul 20

DurationReturns
1 Month 0.5%
3 Month 2.1%
6 Month 3.6%
1 Year 7.2%
3 Year 7.6%
5 Year 7.5%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8%
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%
Fund Manager information for SBI Magnum Ultra Short Duration Fund
NameSinceTenure
Rajeev Radhakrishnan1 May 1010.17 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Jun 20

Asset Allocation
Asset ClassValue
Cash71.29%
Debt28.71%
Debt Sector Allocation
SectorValue
Corporate46%
Cash Equivalent43.59%
Government9.38%
Securitized1.02%
Credit Quality
RatingValue
AA2.98%
AAA97.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 24092020
Sovereign Bonds | -
10%₹993 Cr100,000,000
↑ 100,000,000
Rural Electrification Corporation Limited
Debentures | -
8%₹738 Cr7,250
84 DTB 20082020
Sovereign Bonds | -
7%₹697 Cr70,000,000
POWER FINANCE CORPORATION LIMITED
Debentures | -
4%₹429 Cr4,250
Housing Development Finance Corporation Limited
Debentures | -
4%₹383 Cr3,750
Export-Import Bank Of India
Certificate of Deposit | -
4%₹361 Cr37,500
↑ 37,500
Andhra Bank
Certificate of Deposit | -
4%₹342 Cr35,000
Nabha Power Limited
Commercial Paper | -
3%₹297 Cr6,000
↑ 6,000
Axis Bank Limited
Certificate of Deposit | -
3%₹296 Cr30,000
LIC Housing Finance Limited
Commercial Paper | -
3%₹296 Cr6,000

Disclaimer:
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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prateek, posted on 10 Apr 20 4:45 PM

good information on funds. appreciated!!!

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