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9 Best SIP Plans for 1 Year Investment 2025
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 25 - 26
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹547.287
↓ -0.17 ₹17,263 1,000 2.5 4.3 8.2 7.4 7.9 7.27% 5M 16D 6M 14D ICICI Prudential Ultra Short Term Fund Growth ₹27.6529
↓ 0.00 ₹15,092 1,000 2.4 4 7.8 7.1 7.5 7.05% 5M 1D 8M 8D Invesco India Ultra Short Term Fund Growth ₹2,692.19
↓ -0.05 ₹1,130 1,000 2.2 4 7.6 6.9 7.5 6.88% 5M 6D 5M 18D Kotak Savings Fund Growth ₹42.8029
↓ -0.01 ₹14,924 1,000 2.3 3.9 7.5 6.9 7.2 6.85% 5M 16D 5M 23D Nippon India Ultra Short Duration Fund Growth ₹4,021.7
↓ -0.49 ₹8,767 100 2.3 3.9 7.5 6.8 7.2 7.11% 5M 7D 7M 16D DSP BlackRock Money Manager Fund Growth ₹3,400.58
↓ -0.31 ₹4,197 500 2.2 3.9 7.5 6.7 6.9 6.79% 5M 8D 6M UTI Ultra Short Term Fund Growth ₹4,230.46
↓ -0.43 ₹4,131 500 2.2 3.8 7.4 6.8 7.2 6.95% 5M 22D 5M 28D BOI AXA Liquid Fund Growth ₹2,998.1
↑ 0.47 ₹1,882 1,000 1.9 3.6 7.3 7 7.4 6.39% 1M 20D 1M 17D Indiabulls Liquid Fund Growth ₹2,517.94
↑ 0.31 ₹142 500 1.9 3.6 7.3 6.8 7.4 6.42% 1M 18D 1M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jun 25
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 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 Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for Kotak Savings Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on "The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized." DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on (Erstwhile UTI - Floating Rate Fund - Short Term Plan) To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a Below is the key information for UTI Ultra Short Term 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 provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a Below is the key information for Indiabulls 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 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (10 Jun 25) ₹547.287 ↓ -0.17 (-0.03 %) Net Assets (Cr) ₹17,263 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 2.71 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.27% Effective Maturity 6 Months 14 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,553 31 May 22 ₹10,948 31 May 23 ₹11,646 31 May 24 ₹12,512 31 May 25 ₹13,520 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.9% 3 Month 2.5% 6 Month 4.3% 1 Year 8.2% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 10.95 Yr. Kaustubh Gupta 15 Jul 11 13.89 Yr. Monika Gandhi 22 Mar 21 4.2 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 39.18% Debt 60.56% Other 0.26% Debt Sector Allocation
Sector Value Corporate 65.93% Cash Equivalent 22.75% Government 11.05% Credit Quality
Rating Value AA 34.49% AAA 65.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of Baroda
Debentures | -5% ₹827 Cr 17,000
↑ 17,000 Shriram Finance Company Limited
Debentures | -4% ₹611 Cr 60,000 Nirma Limited
Debentures | -3% ₹488 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹475 Cr 47,500,000 Small Industries Development Bank of India
Debentures | -2% ₹425 Cr 9,000 182 DTB 29082025
Sovereign Bonds | -2% ₹343 Cr 35,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹316 Cr 3,150
↑ 500 Mankind Pharma Ltd
Debentures | -2% ₹308 Cr 30,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹305 Cr 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹301 Cr 30,000 2. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (10 Jun 25) ₹27.6529 ↓ 0.00 (-0.02 %) Net Assets (Cr) ₹15,092 on 30 Apr 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.83 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 7.05% Effective Maturity 8 Months 8 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,557 31 May 22 ₹10,938 31 May 23 ₹11,616 31 May 24 ₹12,448 31 May 25 ₹13,394 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.9% 3 Month 2.4% 6 Month 4% 1 Year 7.8% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 6.9% 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 8.55 Yr. Ritesh Lunawat 15 Jun 17 7.97 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 45.16% Debt 54.6% Other 0.24% Debt Sector Allocation
Sector Value Corporate 58.73% Government 21.33% Cash Equivalent 19.69% Credit Quality
Rating Value AA 18.56% AAA 81.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -7% ₹1,102 Cr 109,000,000 LIC Housing Finance Limited
Debentures | -4% ₹602 Cr 6,000 182 Days Tbill
Sovereign Bonds | -3% ₹491 Cr 50,000,000 Bharti Telecom Limited
Debentures | -2% ₹347 Cr 34,500
↑ 2,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹308 Cr 30,500 Small Industries Development Bank Of India
Debentures | -2% ₹300 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹276 Cr 2,750
↑ 250 Larsen And Toubro Limited
Debentures | -2% ₹251 Cr 25,000 LIC Housing Finance Limited
Debentures | -1% ₹226 Cr 2,250 HDFC Bank Ltd.
Debentures | -1% ₹213 Cr 4,500 3. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (10 Jun 25) ₹2,692.19 ↓ -0.05 (0.00 %) Net Assets (Cr) ₹1,130 on 15 Apr 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.69 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.88% Effective Maturity 5 Months 18 Days Modified Duration 5 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,354 31 May 22 ₹10,654 31 May 23 ₹11,277 31 May 24 ₹12,077 31 May 25 ₹12,978 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 4% 1 Year 7.6% 3 Year 6.9% 5 Year 5.4% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 6.6% 2022 4.1% 2021 3% 2020 5.1% 2019 7.6% 2018 7.3% 2017 7.1% 2016 9.1% 2015 8.3% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 5.41 Yr. Vikas Garg 27 Jul 21 3.85 Yr. Data below for Invesco India Ultra Short Term Fund as on 15 Apr 25
Asset Allocation
Asset Class Value Cash 55.43% Debt 44.25% Other 0.32% Debt Sector Allocation
Sector Value Corporate 59.76% Cash Equivalent 28.11% Government 11.81% Credit Quality
Rating Value AA 29.71% AAA 70.29% Top Securities Holdings / Portfolio
Name Holding Value Quantity 08.24 Tn SDL 2025sep
Sovereign Bonds | -4% ₹50 Cr 5,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹50 Cr 5,000,000 Export Import Bank Of India
Debentures | -3% ₹40 Cr 4,000,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹30 Cr 3,000,000 Tata Projects Ltd.
Debentures | -2% ₹25 Cr 2,500,000 Torrent Power Limited
Debentures | -2% ₹25 Cr 2,500,000 Godrej Industries Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -2% ₹25 Cr 2,500,000 4. Kotak Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (10 Jun 25) ₹42.8029 ↓ -0.01 (-0.03 %) Net Assets (Cr) ₹14,924 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 1.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.85% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,414 31 May 22 ₹10,755 31 May 23 ₹11,410 31 May 24 ₹12,204 31 May 25 ₹13,108 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.3% 6 Month 3.9% 1 Year 7.5% 3 Year 6.9% 5 Year 5.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.8% 2022 4.5% 2021 3.2% 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% 2015 8.6% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 17.14 Yr. Manu Sharma 1 Nov 22 2.58 Yr. Data below for Kotak Savings Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 57.12% Debt 42.62% Other 0.26% Debt Sector Allocation
Sector Value Corporate 57.04% Government 22.14% Cash Equivalent 20.56% Credit Quality
Rating Value AA 8.83% AAA 91.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.2% Govt Stock 2025
Sovereign Bonds | -5% ₹806 Cr 80,000,000
↑ 80,000,000 Bajaj Housing Finance Limited
Debentures | -4% ₹600 Cr 5,950
↑ 3,800 National Bank For Agriculture And Rural Development
Debentures | -4% ₹563 Cr 56,000
↑ 10,000 Rural Electrification Corporation Limited
Debentures | -3% ₹478 Cr 47,500 Mankind Pharma Ltd
Debentures | -2% ₹303 Cr 30,000 182 Days Tbill
Sovereign Bonds | -2% ₹245 Cr 25,000,000
↑ 25,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹238 Cr 25,000,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹232 Cr 2,310
↑ 10 Bharti Telecom Limited
Debentures | -1% ₹226 Cr 2,250 08.49 Tn SDL 2026
Sovereign Bonds | -1% ₹204 Cr 20,080,000 5. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (10 Jun 25) ₹4,021.7 ↓ -0.49 (-0.01 %) Net Assets (Cr) ₹8,767 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.14 Sharpe Ratio 1.43 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.11% Effective Maturity 7 Months 16 Days Modified Duration 5 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,473 31 May 22 ₹11,244 31 May 23 ₹11,924 31 May 24 ₹12,747 31 May 25 ₹13,687 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.3% 6 Month 3.9% 1 Year 7.5% 3 Year 6.8% 5 Year 6.6% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 11.67 Yr. Kinjal Desai 25 May 18 7.02 Yr. Akshay Sharma 1 Dec 22 2.5 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 53.8% Debt 45.95% Other 0.25% Debt Sector Allocation
Sector Value Corporate 57.31% Cash Equivalent 27.3% Government 15.15% Credit Quality
Rating Value AA 13.57% AAA 86.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹311 Cr 3,100 182 Days Tbill
Sovereign Bonds | -3% ₹246 Cr 25,000,000 182 DTB 12062025
Sovereign Bonds | -3% ₹244 Cr 24,500,000 Small Industries Development Bank Of India
Debentures | -2% ₹201 Cr 2,000 Piramal Finance Limited 9.3%
Debentures | -2% ₹200 Cr 20,000
↑ 20,000 182 Days Tbill
Sovereign Bonds | -2% ₹196 Cr 20,000,000 Indinfravit Trust
Debentures | -2% ₹187 Cr 19,500 Rec Limited
Debentures | -2% ₹184 Cr 1,850 Vedanta Limited
Debentures | -2% ₹165 Cr 16,500 HDFC Credila Financial Services Ltd
Debentures | -2% ₹156 Cr 15,500
↓ -1,000 6. DSP BlackRock Money Manager Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (10 Jun 25) ₹3,400.58 ↓ -0.31 (-0.01 %) Net Assets (Cr) ₹4,197 on 30 Apr 25 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio 1.03 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.79% Effective Maturity 6 Months Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,328 31 May 22 ₹10,621 31 May 23 ₹11,231 31 May 24 ₹11,998 31 May 25 ₹12,877 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 3.9% 1 Year 7.5% 3 Year 6.7% 5 Year 5.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.9% 2023 6.7% 2022 4.1% 2021 2.9% 2020 4.7% 2019 7.3% 2018 5% 2017 6% 2016 7.5% 2015 7.9% Fund Manager information for DSP BlackRock Money Manager Fund
Name Since Tenure Karan Mundhra 31 May 21 4 Yr. Shalini Vasanta 1 Jan 25 0.41 Yr. Data below for DSP BlackRock Money Manager Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 69.26% Debt 30.43% Other 0.31% Debt Sector Allocation
Sector Value Corporate 49.5% Cash Equivalent 35.33% Government 14.86% Credit Quality
Rating Value AA 5.9% AAA 94.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -2% ₹102 Cr 1,000
↑ 750 364 DTB 06112025
Sovereign Bonds | -2% ₹97 Cr 10,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹79 Cr 750 Bharti Telecom Limited
Debentures | -2% ₹78 Cr 7,500
↑ 2,500 182 DTB 31072025
Sovereign Bonds | -1% ₹64 Cr 6,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -1% ₹62 Cr 500 LIC Housing Finance Ltd
Debentures | -1% ₹55 Cr 500
↑ 500 LIC Housing Finance Ltd
Debentures | -1% ₹53 Cr 500 Tata Capital Housing Finance Limited
Debentures | -1% ₹52 Cr 500 Mahindra Rural Housing Finance Limited
Debentures | -1% ₹52 Cr 5,000 7. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (10 Jun 25) ₹4,230.46 ↓ -0.43 (-0.01 %) Net Assets (Cr) ₹4,131 on 30 Apr 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.96 Sharpe Ratio 1.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.95% Effective Maturity 5 Months 28 Days Modified Duration 5 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,425 31 May 22 ₹11,040 31 May 23 ₹11,696 31 May 24 ₹12,505 31 May 25 ₹13,419 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 3.8% 1 Year 7.4% 3 Year 6.8% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 6.7% 2022 4.2% 2021 6.1% 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Anurag Mittal 21 Jan 25 0.36 Yr. Data below for UTI Ultra Short Term Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 72.58% Debt 27.23% Other 0.2% Debt Sector Allocation
Sector Value Corporate 51.01% Cash Equivalent 41.85% Government 6.94% Credit Quality
Rating Value AA 15.68% AAA 84.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Debentures | -4% ₹180 Cr 1,800 182 Days Tbill
Sovereign Bonds | -3% ₹147 Cr 1,500,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹101 Cr 1,000 182 Days Tbill
Sovereign Bonds | -2% ₹99 Cr 1,000,000,000 Shriram Finance Limited
Debentures | -2% ₹81 Cr 8,000 Small Industries Development Bank Of India
Debentures | -2% ₹75 Cr 750 LIC Housing Finance Ltd
Debentures | -2% ₹75 Cr 750 Indian Bank
Domestic Bonds | -2% ₹71 Cr 750,000,000 Small Industries Development Bank Of India
Debentures | -1% ₹50 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹50 Cr 500 8. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (10 Jun 25) ₹2,998.1 ↑ 0.47 (0.02 %) Net Assets (Cr) ₹1,882 on 30 Apr 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 4 Information Ratio 0.12 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.39% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,318 31 May 22 ₹10,679 31 May 23 ₹11,350 31 May 24 ₹12,183 31 May 25 ₹13,074 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.6% 1 Year 7.3% 3 Year 7% 5 Year 5.5% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.79 Yr. Data below for BOI AXA Liquid Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 85.94% Government 12.12% Corporate 1.73% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Repo
CBLO/Reverse Repo | -9% ₹172 Cr Net Receivables / (Payables)
Net Current Assets | -5% -₹97 Cr 91 Days Tbill Red 12-06-2025
Sovereign Bonds | -4% ₹75 Cr 7,500,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹74 Cr 7,500,000 India (Republic of)
- | -4% ₹74 Cr 7,500,000
↑ 7,500,000 India (Republic of)
- | -4% ₹74 Cr 7,455,000 Bajaj Finance Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Icici Securities Primary Dealership Ltd
Commercial Paper | -3% ₹50 Cr 5,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Small Industries Dev Bank Of India**
Commercial Paper | -3% ₹50 Cr 5,000,000 9. Indiabulls Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% . Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (10 Jun 25) ₹2,517.94 ↑ 0.31 (0.01 %) Net Assets (Cr) ₹142 on 30 Apr 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.75 Information Ratio -1.78 Alpha Ratio -0.12 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.42% Effective Maturity 1 Month 19 Days Modified Duration 1 Month 18 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,312 31 May 22 ₹10,639 31 May 23 ₹11,265 31 May 24 ₹12,080 31 May 25 ₹12,957 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.6% 1 Year 7.3% 3 Year 6.8% 5 Year 5.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% 2015 8.5% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 2.06 Yr. Data below for Indiabulls Liquid Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 66.35% Government 20.01% Corporate 13.39% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Export-Import Bank Of India
Commercial Paper | -9% ₹20 Cr 2,000,000
↑ 500,000 India (Republic of)
- | -9% ₹20 Cr 2,000,000
↑ 1,000,000 Punjab National Bank
Domestic Bonds | -9% ₹20 Cr 2,000,000
↑ 2,000,000 Indian Oil Corp Ltd.
Commercial Paper | -7% ₹15 Cr 1,500,000
↑ 1,500,000 National Bank For Agriculture And Rural Development (10/06/2025) **
Commercial Paper | -6% ₹14 Cr 1,425,000 Small Industries Development Bank Of India
Debentures | -4% ₹10 Cr 1,000,000 Bank Of Baroda
Certificate of Deposit | -4% ₹10 Cr 1,000,000 Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -4% ₹10 Cr 1,000,000 HDFC Securities Limited
Commercial Paper | -4% ₹10 Cr 1,000,000 Axis Bank Limited
Certificate of Deposit | -4% ₹10 Cr 1,000,000
↑ 1,000,000
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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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