Table of Contents
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 Aditya Birla Sun Life Savings Fund Growth ₹486.246
↑ 0.06 ₹13,711 1,000 1.6 3.4 7.2 5.2 4.8 7.75% 5M 19D 6M 7D BOI AXA Liquid Fund Growth ₹2,687.74
↑ 0.47 ₹1,499 1,000 1.7 3.5 7 4.9 4.9 7.07% 1M 13D 1M 13D Baroda Pioneer Liquid Fund Growth ₹2,689.24
↑ 0.46 ₹10,544 500 1.7 3.4 7 4.9 4.9 7.19% 1M 2D 1M 5D Mirae Asset Cash Management Fund Growth ₹2,450.39
↑ 0.42 ₹10,114 1,000 1.7 3.4 7 4.9 4.8 7.17% 1M 10D 1M 9D ICICI Prudential Liquid Fund Growth ₹345.883
↑ 0.06 ₹40,639 99 1.7 3.4 6.9 4.8 4.8 7.09% 2M 1D 2M 7D Principal Cash Management Fund Growth ₹2,062.46
↑ 0.35 ₹4,454 2,000 1.7 3.4 6.9 4.9 4.8 7.16% 1M 5D 1M 5D IDFC Cash Fund Growth ₹2,825.08
↑ 0.44 ₹14,111 100 1.7 3.4 6.9 4.9 4.8 7.14% 1M 6D 1M 6D ICICI Prudential Ultra Short Term Fund Growth ₹24.6955
↑ 0.00 ₹12,413 1,000 1.6 3.3 6.9 5.1 4.5 7.69% 5M 16D 6M 11D JM Liquid Fund Growth ₹63.867
↑ 0.01 ₹1,896 500 1.7 3.4 6.9 4.9 4.8 7.17% 21D 22D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Dec 23
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 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
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 (Erstwhile ICICI Prudential Liquid Plan) To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities. ICICI Prudential Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential Liquid 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 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 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 (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 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2022 was 4.8% , 2021 was 3.9% and 2020 was 7% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (01 Dec 23) ₹486.246 ↑ 0.06 (0.01 %) Net Assets (Cr) ₹13,711 on 31 Oct 23 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.68 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.75% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,885 30 Nov 20 ₹11,667 30 Nov 21 ₹12,124 30 Nov 22 ₹12,669 30 Nov 23 ₹13,575 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.4% 1 Year 7.2% 3 Year 5.2% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 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% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 9.37 Yr. Kaustubh Gupta 15 Jul 11 12.31 Yr. Monika Gandhi 22 Mar 21 2.61 Yr. Dhaval Joshi 21 Nov 22 0.94 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 55.81% Debt 43.91% Other 0.27% Debt Sector Allocation
Sector Value Corporate 58.65% Cash Equivalent 23.36% Government 17.62% Securitized 0.1% Credit Quality
Rating Value AA 25.89% AAA 74.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -4% ₹598 Cr 6,000 182 DTB 21122023
Sovereign Bonds | -3% ₹471 Cr 47,500,000 Tata Realty And Infrastructure Limited
Debentures | -3% ₹359 Cr 36,000 Hindalco Industries Limited
Debentures | -3% ₹350 Cr 35,000 Bharti Telecom Limited
Debentures | -2% ₹325 Cr 3,250 Bharti Hexacom Limited
Debentures | -2% ₹314 Cr 3,150 7.32% Govt Stock 2024
Sovereign Bonds | -2% ₹295 Cr 29,500,000
↑ 24,500,000 Cholamandalam Investment And Fin. Co. Ltd
Debentures | -2% ₹250 Cr 2,500 HDFC Bank Limited
Debentures | -2% ₹244 Cr 2,450 7.38% Govt Stock 2027
Sovereign Bonds | -1% ₹175 Cr 17,500,000 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 Dec 23) ₹2,687.74 ↑ 0.47 (0.02 %) Net Assets (Cr) ₹1,499 on 31 Oct 23 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 1.47 Information Ratio -4.21 Alpha Ratio -0.12 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.07% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,665 30 Nov 20 ₹11,122 30 Nov 21 ₹11,478 30 Nov 22 ₹12,011 30 Nov 23 ₹12,853 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7% 3 Year 4.9% 5 Year 5.1% 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 2.21 Yr. Data below for BOI AXA Liquid Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.94% Other 0.06% Debt Sector Allocation
Sector Value Cash Equivalent 57.73% Corporate 28.96% Government 13.25% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Repo
CBLO/Reverse Repo | -5% ₹76 Cr 91 DTB 11012024
Sovereign Bonds | -5% ₹74 Cr 7,500,000
↑ 7,500,000 LIC Housing Finance Limited
Commercial Paper | -5% ₹70 Cr 7,100,000
↑ 2,100,000 Small Industries Development Bank Of India
Certificate of Deposit | -4% ₹62 Cr 6,300,000
↑ 6,300,000 Kotak Securities Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 ICICI Bank Limited
Certificate of Deposit | -3% ₹50 Cr 5,000,000 91 DTB 30112023
Sovereign Bonds | -3% ₹50 Cr 5,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Bank Of Baroda
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹50 Cr 5,000,000 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 Dec 23) ₹2,689.24 ↑ 0.46 (0.02 %) Net Assets (Cr) ₹10,544 on 15 Nov 23 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.26 Sharpe Ratio 1.01 Information Ratio -4.45 Alpha Ratio -0.18 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.19% Effective Maturity 1 Month 5 Days Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,682 30 Nov 20 ₹11,145 30 Nov 21 ₹11,509 30 Nov 22 ₹12,041 30 Nov 23 ₹12,880 Returns for Baroda Pioneer Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 4.9% 5 Year 5.2% 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 1.03 Yr. Vikram Pamnani 14 Mar 22 1.64 Yr. Data below for Baroda Pioneer Liquid Fund as on 15 Nov 23
Asset Allocation
Asset Class Value Cash 99.87% Other 0.13% Debt Sector Allocation
Sector Value Cash Equivalent 74.26% Corporate 20.5% Government 5.11% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps 01-Nov-2023
CBLO/Reverse Repo | -11% ₹1,098 Cr 91 DTB 23112023
Sovereign Bonds | -5% ₹523 Cr 52,500,000 National Bank For Agriculture And Rural Development
Commercial Paper | -5% ₹497 Cr 10,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹349 Cr 7,000 ICICI Bank Limited
Certificate of Deposit | -3% ₹324 Cr 6,500
↓ -2,000 Reliance Industries Limited
Commercial Paper | -3% ₹324 Cr 6,500
↓ -3,000 91 DTB 17112023
Sovereign Bonds | -3% ₹299 Cr 30,000,000 Export-Import Bank Of India
Commercial Paper | -3% ₹297 Cr 6,000 Larsen And Toubro Limited
Commercial Paper | -3% ₹297 Cr 6,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹296 Cr 6,000 4. 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 Dec 23) ₹2,450.39 ↑ 0.42 (0.02 %) Net Assets (Cr) ₹10,114 on 31 Oct 23 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.19 Sharpe Ratio 0.79 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.17% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,675 30 Nov 20 ₹11,142 30 Nov 21 ₹11,507 30 Nov 22 ₹12,031 30 Nov 23 ₹12,868 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 7% 3 Year 4.9% 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 2.84 Yr. Data below for Mirae Asset Cash Management Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.86% Other 0.14% Debt Sector Allocation
Sector Value Cash Equivalent 70.58% Corporate 18.63% Government 10.64% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -8% ₹804 Cr 91 DTB 07122023
Sovereign Bonds | -3% ₹324 Cr 32,610,100 182 DTB 21122023
Sovereign Bonds | -3% ₹302 Cr 30,500,000
↑ 500,000 India (Republic of)
- | -3% ₹289 Cr 29,000,000 91 DTB 30112023
Sovereign Bonds | -2% ₹249 Cr 25,000,000 Ultratech Cement Limited
Commercial Paper | -2% ₹249 Cr 25,000,000 91 DTB 29122023
Sovereign Bonds | -2% ₹247 Cr 25,000,000
↑ 20,000,000 364 DTB 28122023
Sovereign Bonds | -2% ₹198 Cr 20,000,000 Larsen And Toubro Limited
Commercial Paper | -2% ₹173 Cr 17,500,000 91 DTB 25012024
Sovereign Bonds | -2% ₹167 Cr 17,000,000
↑ 17,000,000 5. ICICI Prudential Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 20 in Liquid Fund category. Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4.3% . ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (01 Dec 23) ₹345.883 ↑ 0.06 (0.02 %) Net Assets (Cr) ₹40,639 on 31 Oct 23 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 0.48 Information Ratio -6.09 Alpha Ratio -0.23 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 7.09% Effective Maturity 2 Months 7 Days Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,682 30 Nov 20 ₹11,160 30 Nov 21 ₹11,514 30 Nov 22 ₹12,029 30 Nov 23 ₹12,862 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.9% 3 Year 4.8% 5 Year 5.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9.1% 2013 9.3% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Manish Banthia 12 Jun 23 0.39 Yr. Rohan Maru 19 Sep 13 10.12 Yr. Darshil Dedhia 12 Jun 23 0.39 Yr. Data below for ICICI Prudential Liquid Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 68.41% Corporate 18.11% Government 13.23% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Canara Bank
Certificate of Deposit | -5% ₹1,979 Cr 40,000 Small Industries Development Bank Of India
Commercial Paper | -4% ₹1,684 Cr 34,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹1,637 Cr 33,000 Small Industries Development Bank Of India
Commercial Paper | -4% ₹1,485 Cr 30,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹1,484 Cr 30,000 91 DTB 21122023
Sovereign Bonds | -3% ₹1,412 Cr 142,500,000 91 DTB 07122023
Sovereign Bonds | -3% ₹1,054 Cr 106,100,400 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹996 Cr 20,000 Punjab National Bank
Certificate of Deposit | -2% ₹991 Cr 20,000
↑ 20,000 Canara Bank
Certificate of Deposit | -2% ₹892 Cr 18,000
↓ -2,000 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 Dec 23) ₹2,062.46 ↑ 0.35 (0.02 %) Net Assets (Cr) ₹4,454 on 31 Oct 23 Category Debt - Liquid Fund AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 0.62 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.16% Effective Maturity 1 Month 5 Days Modified Duration 1 Month 5 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,633 30 Nov 20 ₹11,053 30 Nov 21 ₹11,400 30 Nov 22 ₹11,917 30 Nov 23 ₹12,743 Returns for Principal Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.9% 3 Year 4.9% 5 Year 5% 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 1.83 Yr. Sandeep Agarwal 16 May 22 1.46 Yr. Data below for Principal Cash Management Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.82% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 59.68% Government 21.19% Corporate 18.95% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -11% ₹478 Cr Export-Import Bank Of India
Commercial Paper | -4% ₹174 Cr 3,500 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹149 Cr 3,000 364 DTB 28122023
Sovereign Bonds | -3% ₹148 Cr 15,000,000
↑ 15,000,000 ICICI Bank Limited
Certificate of Deposit | -3% ₹125 Cr 2,500
↓ -500 Small Industries Development Bank Of India
Commercial Paper | -3% ₹124 Cr 2,500 Indian Bank
Certificate of Deposit | -3% ₹124 Cr 2,500 364 DTB 26012024
Sovereign Bonds | -3% ₹123 Cr 12,500,000
↑ 12,500,000 LIC Housing Finance Limited
Debentures | -2% ₹100 Cr 1,000 India (Republic of)
- | -2% ₹100 Cr 10,000,000 7. 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 Dec 23) ₹2,825.08 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹14,111 on 31 Oct 23 Category Debt - Liquid Fund AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 0.51 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,654 30 Nov 20 ₹11,103 30 Nov 21 ₹11,458 30 Nov 22 ₹11,977 30 Nov 23 ₹12,806 Returns for IDFC Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.9% 3 Year 4.9% 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 8.13 Yr. Brijesh Shah 1 Dec 21 1.92 Yr. Data below for IDFC Cash Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 100% Debt Sector Allocation
Sector Value Cash Equivalent 69.14% Corporate 16.35% Government 14.52% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 17112023
Sovereign Bonds | -6% ₹805 Cr 81,000,000 Reliance Retail Ventures Limited
Commercial Paper | -5% ₹669 Cr 67,500,000 91 DTB 02112023
Sovereign Bonds | -4% ₹518 Cr 52,000,000 Larsen And Toubro Limited
Commercial Paper | -4% ₹498 Cr 50,000,000 Punjab National Bank
Certificate of Deposit | -4% ₹495 Cr 50,000,000
↑ 50,000,000 Larsen And Toubro Limited
Commercial Paper | -4% ₹474 Cr 47,500,000 Bajaj Finance Limited
Commercial Paper | -4% ₹445 Cr 45,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹398 Cr 40,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹397 Cr 40,000,000 91 DTB 23112023
Sovereign Bonds | -3% ₹397 Cr 40,000,000 8. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2022 was 4.5% , 2021 was 4% and 2020 was 6.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (01 Dec 23) ₹24.6955 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹12,413 on 31 Oct 23 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.51 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 7.69% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,872 30 Nov 20 ₹11,608 30 Nov 21 ₹12,073 30 Nov 22 ₹12,593 30 Nov 23 ₹13,465 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.3% 1 Year 6.9% 3 Year 5.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% 2013 3.1% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 6.96 Yr. Ritesh Lunawat 15 Jun 17 6.38 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 58.78% Debt 40.97% Other 0.25% Debt Sector Allocation
Sector Value Corporate 51.49% Cash Equivalent 25.61% Government 22.66% Credit Quality
Rating Value AA 15.64% AAA 84.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity Embassy Office Parks Reit
Debentures | -4% ₹494 Cr 4,950
↑ 500 India (Republic of)
- | -3% ₹389 Cr 40,000,000 LIC Housing Finance Limited
Debentures | -2% ₹296 Cr 2,950 National Bank For Agriculture And Rural Development
Debentures | -2% ₹275 Cr 2,750 National Bank For Agriculture And Rural Development
Debentures | -2% ₹259 Cr 2,600 08.35 SBI RT SB 2024
Domestic Bonds | -2% ₹251 Cr 25,000,000 Mahindra Rural Housing Finance Limited
Debentures | -2% ₹201 Cr 2,000 Apollo Building Products Private Limited
Debentures | -2% ₹199 Cr 20,000 Bajaj Housing Finance Limited
Debentures | -2% ₹199 Cr 2,000 182 DTB 04012024
Sovereign Bonds | -2% ₹198 Cr 20,000,000 9. 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 (02 Dec 23) ₹63.867 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹1,896 on 31 Oct 23 Category Debt - Liquid Fund AMC JM Financial Asset Management Limited Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 0.46 Information Ratio -5.36 Alpha Ratio -0.14 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.17% Effective Maturity 22 Days Modified Duration 21 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,681 30 Nov 20 ₹11,124 30 Nov 21 ₹11,487 30 Nov 22 ₹12,010 30 Nov 23 ₹12,841 Returns for JM Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Dec 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.4% 1 Year 6.9% 3 Year 4.9% 5 Year 5.1% 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 25.85 Yr. Naghma Khoja 21 Oct 21 2.03 Yr. Data below for JM Liquid Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 66.45% Corporate 24.9% Government 8.4% Credit Quality
Rating Value AA 3.1% AAA 96.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps-Triparty Repo
CBLO/Reverse Repo | -13% ₹243 Cr 00 National Bank For Agriculture And Rural Development
Commercial Paper | -5% ₹99 Cr 2,000 Axis Bank Limited
Certificate of Deposit | -4% ₹75 Cr 1,500
↑ 500 Godrej Industries Limited
Commercial Paper | -4% ₹75 Cr 1,500
↑ 1,500 Bank Of Baroda
Certificate of Deposit | -4% ₹75 Cr 1,500
↑ 500 Punjab National Bank
Certificate of Deposit | -3% ₹50 Cr 1,000
↑ 1,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹50 Cr 1,000
↑ 1,000 HDFC Securities Limited
Commercial Paper | -3% ₹50 Cr 1,000
↑ 1,000 Larsen And Toubro Limited
Commercial Paper | -3% ₹50 Cr 1,000
↑ 1,000 Birla Group Holdings Private Limited
Commercial Paper | -3% ₹50 Cr 1,000
How to Invest in Mutual Fund SIP Online?
Open Free Investment Account for Lifetime at Fincash.com.
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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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