Table of Contents
- Why Invest in a SIP?
- Best SIP Plans for 1 Year Investment in FY 23 - 24
- How to Invest in Mutual Fund SIP Online?
- FAQs
Top 9 Debt - Liquid Fund Funds
9 Best SIP Plans for 1 Year Investment 2023
Best SIP Plans? How to choose them? These are some of the common questions that occur in the mind of investors when thinking of investing in Mutual Funds through a SIP or Systematic Investment plan.
SIP investment is one of the most disciplined Investing options when investing in Mutual Funds. Moreover, the minimum amount of investing in a SIP Mutual Fund is as less as INR 500. This makes investing in Top SIP plans much convenient.
Why Invest in a SIP?
SIP investment in Mutual Funds is the most convenient way to inculcate the habit of saving. Too often the youngest generation of earning people do not save much. To have a Systematic Investment Plan one does not require a massive amount of investing as the starting amount is as low as Rs 500, and some funds even offer SIP for INR 100 monthly. From an early age, one can get into the habit of making their savings as a form of investment. SIP, thereby sets aside a fixed amount to be saved during each month. Systematic Investment Plans are therefore one of the most important tools of smart investing.
SIP’s help you prepare for your Financial goals in a hassle-free manner. Having a SIP is extremely convenient as the Mutual Funds require the paperwork to be done only one time after which the monthly amounts are debited from the Bank account directly without intervention. As a result, SIP’s do not require the efforts required by other investments & savings options.
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Best SIP Plans for 1 Year Investment in FY 23 - 24
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Essel Liquid Fund Growth ₹24.2088
↑ 0.00 ₹126 500 1.6 3 5.3 4.1 5.1 6.41% 1M 6D 1M 10D BOI AXA Liquid Fund Growth ₹2,539.48
↑ 0.50 ₹453 1,000 1.7 3.1 5.2 4.1 4.9 6.59% 1M 10D 1M 13D Baroda Pioneer Liquid Fund Growth ₹2,541.98
↑ 0.52 ₹5,011 500 1.6 3.1 5.2 4.2 4.9 6.72% 1M 8D 1M 12D IDBI Liquid Fund Growth ₹2,375.49
↑ 0.46 ₹634 500 1.6 3.1 5.1 4.3 4.9 6.6% 25D 25D Mirae Asset Cash Management Fund Growth ₹2,316.09
↑ 0.51 ₹5,735 1,000 1.6 3 5.1 4.1 4.8 6.65% 1M 10D 1M 8D Principal Cash Management Fund Growth ₹1,949.97
↑ 0.45 ₹3,153 2,000 1.6 3 5.1 4 4.8 6.66% 1M 10D 1M 11D JM Liquid Fund Growth ₹60.3703
↑ 0.01 ₹1,923 500 1.6 3 5.1 4.1 4.8 6.64% 1M 3D 1M 5D IDFC Cash Fund Growth ₹2,670.8
↑ 0.53 ₹11,163 100 1.6 3 5.1 4.1 4.8 6.6% 25D 26D Nippon India Liquid Fund Growth ₹5,393.14
↑ 1.14 ₹25,438 100 1.6 3 5 4.1 4.8 6.58% 1M 13D 1M 16D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Feb 23
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 Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA 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 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 The investment objective of the scheme
is to generate consistent returns with a
high level of liquidity in a judicious
portfolio mix comprising of money
market and debt instruments. The
Scheme does not guarantee any
returns. Mirae Asset Cash Management Fund is a Debt - Liquid Fund fund was launched on 12 Jan 09. It is a fund with Low risk and has given a Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on To provide investors with as high a level of income available from short-term investments as is considered consistent with preservation of capital and maintenance of liquidity, by investing in a portfolio of money market and investment grade debt instruments.
The scheme will invest its assets in a portfolio of money market instruments. The investments will be in securities, which the Investment Manager believes present minimal liquidity and/or credit risks. Principal Cash Management Fund is a Debt - Liquid Fund fund was launched on 30 Aug 04. It is a fund with Low risk and has given a Below is the key information for Principal Cash Management Fund Returns up to 1 year are on (Erstwhile JM High Liquidity Fund) To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments. JM Liquid Fund is a Debt - Liquid Fund fund was launched on 31 Dec 97. It is a fund with Low risk and has given a Below is the key information for JM Liquid Fund Returns up to 1 year are on To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized. IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a Below is the key information for IDFC Cash Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury 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. Nippon India Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. Essel Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 12 in Liquid Fund category. Return for 2022 was 5.1% , 2021 was 3.4% and 2020 was 3.7% . Essel Liquid Fund
Growth Launch Date 19 Feb 10 NAV (01 Feb 23) ₹24.2088 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹126 on 31 Dec 22 Category Debt - Liquid Fund AMC Essel Funds Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 0.84 Information Ratio -2.45 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.41% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,748 31 Jan 20 ₹11,392 31 Jan 21 ₹11,791 31 Jan 22 ₹12,201 31 Jan 23 ₹12,845 Returns for Essel Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 5.3% 3 Year 4.1% 5 Year 5.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 5.1% 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% Fund Manager information for Essel Liquid Fund
Name Since Tenure Surbhi Sharma 11 Mar 22 0.81 Yr. Data below for Essel Liquid Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 91.25% Corporate 8.75% 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 | -23% ₹21 Cr 91 DTB 27012023
Sovereign Bonds | -22% ₹20 Cr 2,000,000 91 DTB 19012023
Sovereign Bonds | -16% ₹15 Cr 1,500,000 Ujjivan Small Finance Bank Limited
Certificate of Deposit | -9% ₹8 Cr 800,000 Time Technoplast Limited ( Formerly Time Packaging Limited)
Commercial Paper | -9% ₹8 Cr 800,000 Reliance Industries Limited
Debentures | -5% ₹5 Cr 500,000
↑ 500,000 Reliance Industries Limited
Debentures | -5% ₹5 Cr 500,000 182 DTB 23032023
Sovereign Bonds | -5% ₹5 Cr 500,000 91 DTB 06042023
Sovereign Bonds | -5% ₹5 Cr 500,000
↑ 500,000 The Federal Bank Limited
Certificate of Deposit | -₹0 Cr 00
↓ -900,000 2. BOI AXA Liquid Fund
CAGR/Annualized return of 6.6% since its launch. Ranked 34 in Liquid Fund category. Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (01 Feb 23) ₹2,539.48 ↑ 0.50 (0.02 %) Net Assets (Cr) ₹453 on 15 Jan 23 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio -0.29 Information Ratio -3.89 Alpha Ratio -0.15 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.59% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,749 31 Jan 20 ₹11,418 31 Jan 21 ₹11,866 31 Jan 22 ₹12,260 31 Jan 23 ₹12,894 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.1% 1 Year 5.2% 3 Year 4.1% 5 Year 5.2% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% 2013 9.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 1.38 Yr. Data below for BOI AXA Liquid Fund as on 15 Jan 23
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 79.16% Corporate 20.84% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -19% ₹88 Cr HDFC Bank Limited
Certificate of Deposit | -10% ₹45 Cr 4,500,000
↑ 4,500,000 Power Grid Corporation Of India Limited
Debentures | -6% ₹25 Cr 2,500,000 Reliance Jio Infocomm Limited
Commercial Paper | -6% ₹25 Cr 2,500,000 91 DTB 09022023
Sovereign Bonds | -5% ₹25 Cr 2,500,000 Bank Of Baroda
Certificate of Deposit | -5% ₹25 Cr 2,500,000
↑ 2,500,000 Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -5% ₹25 Cr 2,500,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -5% ₹25 Cr 2,500,000 IIFL Wealth Prime Limited
Commercial Paper | -5% ₹25 Cr 2,500,000 Small Industries Development Bank Of India
Commercial Paper | -5% ₹25 Cr 2,500,000 3. Baroda Pioneer Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 22 in Liquid Fund category. Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% . Baroda Pioneer Liquid Fund
Growth Launch Date 5 Feb 09 NAV (01 Feb 23) ₹2,541.98 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹5,011 on 31 Dec 22 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio -0.55 Information Ratio -2.19 Alpha Ratio -0.17 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.72% Effective Maturity 1 Month 12 Days Modified Duration 1 Month 8 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,753 31 Jan 20 ₹11,444 31 Jan 21 ₹11,894 31 Jan 22 ₹12,296 31 Jan 23 ₹12,930 Returns for Baroda Pioneer Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.1% 1 Year 5.2% 3 Year 4.2% 5 Year 5.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 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% Fund Manager information for Baroda Pioneer Liquid Fund
Name Since Tenure Mayank Prakash 21 Oct 22 0.19 Yr. Vikram Pamnani 14 Mar 22 0.8 Yr. Data below for Baroda Pioneer Liquid Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 77.63% Corporate 12.74% Government 9.64% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps 16-Jan-2023
CBLO/Reverse Repo | -14% ₹951 Cr 91 DTB 19012023
Sovereign Bonds | -7% ₹500 Cr 50,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -5% ₹349 Cr 7,000
↑ 3,000 LIC Housing Finance Limited
Debentures | -5% ₹325 Cr 3,250
↑ 1,000 Hindustan Petroleum Corporation Limited
Commercial Paper | -4% ₹289 Cr 5,800 Reliance Retail Ventures Limited
Commercial Paper | -4% ₹249 Cr 5,000 Canara Bank
Domestic Bonds | -4% ₹246 Cr 5,000
↑ 5,000 91 DTB 02022023
Sovereign Bonds | -3% ₹219 Cr 22,000,000 Net Receivable / Payable
CBLO | -3% -₹210 Cr Canara Bank
Certificate of Deposit | -3% ₹199 Cr 4,000 4. IDBI Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 37 in Liquid Fund category. Return for 2022 was 4.9% , 2021 was 3.4% and 2020 was 4.5% . IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (01 Feb 23) ₹2,375.49 ↑ 0.46 (0.02 %) Net Assets (Cr) ₹634 on 31 Dec 22 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio -0.55 Information Ratio -1.83 Alpha Ratio -0.2 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.6% Effective Maturity 25 Days Modified Duration 25 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,752 31 Jan 20 ₹11,444 31 Jan 21 ₹11,941 31 Jan 22 ₹12,350 31 Jan 23 ₹12,984 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.1% 1 Year 5.1% 3 Year 4.3% 5 Year 5.4% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 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% Fund Manager information for IDBI Liquid Fund
Name Since Tenure Raju Sharma 3 May 17 5.67 Yr. Data below for IDBI Liquid Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 64.79% Government 18.3% Corporate 10.58% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -38% ₹270 Cr 91 DTB 27012023
Sovereign Bonds | -7% ₹50 Cr 5,000,000 Hindustan Petroleum Corporation Limited
Commercial Paper | -7% ₹50 Cr 5,000,000 State Bank Of India
Certificate of Deposit | -7% ₹49 Cr 5,000,000
↑ 5,000,000 India (Republic of)
- | -6% ₹44 Cr 4,500,000
↑ 4,500,000 Punjab National Bank
Certificate of Deposit | -6% ₹40 Cr 4,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -6% ₹40 Cr 4,000,000 Kec International Limited
Commercial Paper | -6% ₹40 Cr 4,000,000 Small Industries Development Bank of India
Commercial Paper | -6% ₹39 Cr 4,000,000
↑ 4,000,000 Canara Bank
Certificate of Deposit | -6% ₹39 Cr 4,000,000
↑ 4,000,000 5. Mirae Asset Cash Management Fund
CAGR/Annualized return of 6.2% since its launch. Ranked 48 in Liquid Fund category. Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.2% . Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (01 Feb 23) ₹2,316.09 ↑ 0.51 (0.02 %) Net Assets (Cr) ₹5,735 on 31 Dec 22 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio -1.19 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.65% Effective Maturity 1 Month 8 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,740 31 Jan 20 ₹11,426 31 Jan 21 ₹11,884 31 Jan 22 ₹12,280 31 Jan 23 ₹12,905 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 5.1% 3 Year 4.1% 5 Year 5.2% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.3% 2017 6.6% 2016 7.2% 2015 7.8% 2014 8.7% 2013 8.2% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Abhishek Iyer 28 Dec 20 2.01 Yr. Data below for Mirae Asset Cash Management Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 99.25% Debt 0.75% Debt Sector Allocation
Sector Value Cash Equivalent 71.32% Government 17.74% Corporate 10.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -13% ₹881 Cr Union Bank Of India
Certificate of Deposit | -3% ₹200 Cr 20,000,000
↑ 12,500,000 Indian Bank
Certificate of Deposit | -2% ₹150 Cr 15,000,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹148 Cr 15,000,000 Redington Ltd.
Commercial Paper | -2% ₹104 Cr 10,500,000
↑ 10,500,000 Berger Paints India Limited
Commercial Paper | -2% ₹100 Cr 10,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹100 Cr 10,000,000 91 DTB 02022023
Sovereign Bonds | -2% ₹100 Cr 10,000,000 182 DTB 09022023
Sovereign Bonds | -2% ₹100 Cr 10,000,000
↑ 10,000,000 91 DTB 09022023
Sovereign Bonds | -2% ₹100 Cr 10,000,000 6. Principal Cash Management Fund
CAGR/Annualized return of 6.4% since its launch. Ranked 5 in Liquid Fund category. Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 3.8% . Principal Cash Management Fund
Growth Launch Date 30 Aug 04 NAV (01 Feb 23) ₹1,949.97 ↑ 0.45 (0.02 %) Net Assets (Cr) ₹3,153 on 31 Dec 22 Category Debt - Liquid Fund AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio -1.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 11 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹9,821 31 Jan 20 ₹10,409 31 Jan 21 ₹10,783 31 Jan 22 ₹11,130 31 Jan 23 ₹11,696 Returns for Principal Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 5.1% 3 Year 4% 5 Year 3.2% 10 Year 15 Year Since launch 6.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.2% 2020 3.8% 2019 6.2% 2018 -1.8% 2017 6.8% 2016 7.7% 2015 8.4% 2014 9.1% 2013 9.2% Fund Manager information for Principal Cash Management Fund
Name Since Tenure Dwijendra Srivastava 1 Jan 22 1 Yr. Sandeep Agarwal 16 May 22 0.63 Yr. Data below for Principal Cash Management Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 67.35% Corporate 16.33% Government 13.62% Credit Quality
Rating Value AA 2.11% AAA 97.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -18% ₹664 Cr 91 DTB 19012023
Sovereign Bonds | -5% ₹200 Cr 20,000,000
↑ 20,000,000 Axis Bank Limited
Certificate of Deposit | -4% ₹149 Cr 3,000 Dbs Bank Ltd - 15/03/2023**
Certificate of Deposit | -4% ₹138 Cr 2,800
↑ 2,800 National Bank For Agriculture And Rural Development
Certificate of Deposit | -3% ₹99 Cr 2,000 Birla Group Holdings Private Limited
Commercial Paper | -3% ₹99 Cr 2,000 Julius Baer Capital (India) Private Limited
Commercial Paper | -3% ₹99 Cr 2,000 ICICI Home Finance Company Limited
Commercial Paper | -3% ₹99 Cr 2,000 Redington Ltd.
Commercial Paper | -3% ₹99 Cr 2,000
↑ 2,000 India (Republic of)
- | -3% ₹99 Cr 10,000,000
↑ 10,000,000 7. JM Liquid Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 3 in Liquid Fund category. Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4% . JM Liquid Fund
Growth Launch Date 31 Dec 97 NAV (01 Feb 23) ₹60.3703 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,923 on 15 Jan 23 Category Debt - Liquid Fund AMC JM Financial Asset Management Limited Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.21 Sharpe Ratio -1.42 Information Ratio -5.17 Alpha Ratio -0.23 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.64% Effective Maturity 1 Month 5 Days Modified Duration 1 Month 3 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,747 31 Jan 20 ₹11,434 31 Jan 21 ₹11,869 31 Jan 22 ₹12,265 31 Jan 23 ₹12,887 Returns for JM Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 5.1% 3 Year 4.1% 5 Year 5.2% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.3% 2020 4% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% 2013 9.3% Fund Manager information for JM Liquid Fund
Name Since Tenure Shalini Tibrewala 31 Dec 97 25.02 Yr. Naghma Khoja 21 Oct 21 1.2 Yr. Data below for JM Liquid Fund as on 15 Jan 23
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 53.91% Corporate 26.41% Government 19.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps-Triparty Repo
CBLO/Reverse Repo | -17% ₹373 Cr 00 Punjab National Bank
Certificate of Deposit | -5% ₹100 Cr 2,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -5% ₹99 Cr 2,000
↑ 2,000 182 DTB 23022023
Sovereign Bonds | -4% ₹79 Cr 8,000,000
↑ 5,000,000 Birla Group Holdings Private Limited
Commercial Paper | -3% ₹74 Cr 1,500 National Bank For Agriculture And Rural Development
Certificate of Deposit | -3% ₹65 Cr 1,300
↑ 1,300 Small Industries Development Bank Of India
Certificate of Deposit | -3% ₹64 Cr 1,300
↑ 300 National Bank For Agriculture And Rural Development
Certificate of Deposit | -3% ₹60 Cr 1,200
↑ 200 7.10% Govt Stock 2029
Sovereign Bonds | -3% ₹59 Cr 5,940,800 National Bank For Agriculture And Rural Development
Debentures | -2% ₹50 Cr 500
↑ 500 8. IDFC Cash Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 26 in Liquid Fund category. Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4% . IDFC Cash Fund
Growth Launch Date 4 Jun 08 NAV (01 Feb 23) ₹2,670.8 ↑ 0.53 (0.02 %) Net Assets (Cr) ₹11,163 on 31 Dec 22 Category Debt - Liquid Fund AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.19 Sharpe Ratio -1.43 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.6% Effective Maturity 26 Days Modified Duration 25 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,735 31 Jan 20 ₹11,396 31 Jan 21 ₹11,836 31 Jan 22 ₹12,225 31 Jan 23 ₹12,844 Returns for IDFC Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 5.1% 3 Year 4.1% 5 Year 5.1% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.2% 2020 4% 2019 6.3% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9.1% 2013 9.2% Fund Manager information for IDFC Cash Fund
Name Since Tenure Harshal Joshi 15 Sep 15 7.3 Yr. Brijesh Shah 1 Dec 21 1.08 Yr. Data below for IDFC Cash Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 68.41% Corporate 18.23% Government 13.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -20% ₹2,219 Cr National Bank For Agriculture And Rural Development
Debentures | -9% ₹996 Cr 99,500,000 HDFC Bank Limited
Certificate of Deposit | -5% ₹504 Cr 50,500,000 Hindustan Petroleum Corporation Limited
Commercial Paper | -4% ₹499 Cr 50,000,000 Union Bank Of India
Certificate of Deposit | -4% ₹498 Cr 50,000,000
↑ 50,000,000 Tata Capital Financial Services Limited
Commercial Paper | -4% ₹398 Cr 40,000,000 Reliance Retail Ventures Limited
Commercial Paper | -4% ₹397 Cr 40,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -3% ₹348 Cr 35,000,000
↑ 35,000,000 Bank Of Baroda
Certificate of Deposit | -3% ₹348 Cr 35,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹298 Cr 30,000,000 9. Nippon India Liquid Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 11 in Liquid Fund category. Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4.3% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (01 Feb 23) ₹5,393.14 ↑ 1.14 (0.02 %) Net Assets (Cr) ₹25,438 on 31 Dec 22 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio -1.39 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.58% Effective Maturity 1 Month 16 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 18 ₹10,000 31 Jan 19 ₹10,751 31 Jan 20 ₹11,450 31 Jan 21 ₹11,914 31 Jan 22 ₹12,305 31 Jan 23 ₹12,923 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3% 1 Year 5% 3 Year 4.1% 5 Year 5.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.3% 2014 9.1% 2013 9.2% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Anju Chhajer 1 Oct 13 9.25 Yr. Siddharth Deb 1 Mar 22 0.84 Yr. Kinjal Desai 25 May 18 4.61 Yr. Akshay Sharma 1 Dec 22 0.08 Yr. Data below for Nippon India Liquid Fund as on 31 Dec 22
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 74.11% Government 17.23% Corporate 8.66% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 16022023
Sovereign Bonds | -6% ₹1,766 Cr 177,500,000
↓ -7,500,000 91 DTB 16032023
Sovereign Bonds | -6% ₹1,658 Cr 167,500,000 Hindustan Zinc Limited
Commercial Paper | -4% ₹1,198 Cr 24,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹1,191 Cr 24,000 Reverse Repo
CBLO/Reverse Repo | -3% ₹988 Cr 91 DTB 09022023
Sovereign Bonds | -3% ₹981 Cr 98,500,000
↓ -4,500,000 182 DTB 02022023
Sovereign Bonds | -3% ₹803 Cr 80,500,000
↓ -9,500,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹749 Cr 15,000 91 DTB 02022023
Sovereign Bonds | -2% ₹598 Cr 60,000,000
↓ -15,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹550 Cr 11,000
↑ 1,000
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FAQs
1. What is the importance of tenure in SIPs?
A: When you select SIPs, the first thing you should consider is the tenure. It is a good idea to check the tenure and then invest because you should not close your investment before completing the tenure. If you do so, you might have to pay the penalty in the form of an exit load.
2. Are one year SIPs good?
A: Yes, one year SIPs is good, especially if you are looking for quick returns. Usually, with the help of one-year SIPs, you can expect ROIs ranging from 4.2% to 6.2% on your investment, depending upon your fund Portfolio.
3. Why should I invest in one-year SIPs?
A: One-year SIPs are useful if you are new to mutual fund investments and are planning to diversify the investment portfolio.
4. Do one year SIPs produce good returns?
A: The one year SIPs have been gaining popularity amongst young investors as these produce good and quick returns. If you want to understand the mutual funds Market, then one year SIPs are a good idea.
5. Do all SIPs produce good returns?
A: SIPs are one of the best ways to diversify your investment portfolio and have been known to produce good returns. It allows you to choose the funds you want to invest and the amount too. You get an opportunity to invest small amounts at regular intervals.
6. Do all SIPs include large-cap stocks?
A: As per the SEBI mandate, SIP investors have to follow the 70:20:10 protocol to protect the investors and the companies. As per this rule, 70% of the equity investment will be in large-cap stocks, 20% in mid-cap stocks, and 10% in small cap stocks. So SIPs diversify investments, and all are not concentrated in just large-cap stocks.
7. Is there a maximum and minimum amount that can be invested in SIP?
A: The minimum amount of money that you can invest in SIP is Rs.500. However, there is no upper limit to investing in SIP. You can plan this with your fund manager.
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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