+91-22-489139099 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 ₹560.612
↑ 0.09 ₹21,521 1,000 1.5 3.5 7.7 7.5 7.9 6.76% 5M 8D 6M 11D ICICI Prudential Ultra Short Term Fund Growth ₹28.2933
↑ 0.00 ₹16,980 1,000 1.5 3.3 7.3 7.2 7.5 6.66% 4M 20D 7M 2D Invesco India Ultra Short Term Fund Growth ₹2,750.98
↑ 0.35 ₹1,330 1,000 1.4 3.1 7.1 7 7.5 6.35% 5M 16D 5M 28D Kotak Savings Fund Growth ₹43.7435
↑ 0.01 ₹15,667 1,000 1.4 3.2 7 7 7.2 6.41% 5M 8D 5M 23D Nippon India Ultra Short Duration Fund Growth ₹4,109.85
↑ 0.61 ₹11,076 100 1.4 3.1 7 7 7.2 6.72% 5M 12D 8M 1D DSP Money Manager Fund Growth ₹3,471.63
↑ 0.53 ₹3,845 500 1.4 3 6.9 6.8 6.9 6.32% 6M 4D 6M 22D UTI Ultra Short Term Fund Growth ₹4,321.96
↑ 0.53 ₹4,181 500 1.4 3.1 6.8 6.9 7.2 6.4% 4M 28D 5M 19D BOI AXA Liquid Fund Growth ₹3,064.24
↑ 0.42 ₹1,824 1,000 1.4 3 6.8 7.1 7.4 5.82% 1M 10D 1M 10D Indiabulls Liquid Fund Growth ₹2,572.98
↑ 0.40 ₹303 500 1.4 3 6.7 6.9 7.4 5.88% 1M 3D 1M 3D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Oct 25 Research Highlights & Commentary of 9 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund Invesco India Ultra Short Term Fund Kotak Savings Fund Nippon India Ultra Short Duration Fund DSP Money Manager Fund UTI Ultra Short Term Fund BOI AXA Liquid Fund Indiabulls Liquid Fund Point 1 Highest AUM (₹21,521 Cr). Top quartile AUM (₹16,980 Cr). Bottom quartile AUM (₹1,330 Cr). Upper mid AUM (₹15,667 Cr). Upper mid AUM (₹11,076 Cr). Lower mid AUM (₹3,845 Cr). Lower mid AUM (₹4,181 Cr). Bottom quartile AUM (₹1,824 Cr). Bottom quartile AUM (₹303 Cr). Point 2 Established history (22+ yrs). Established history (14+ yrs). Established history (14+ yrs). Established history (21+ yrs). Oldest track record among peers (23 yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 5★ (top quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 7.69% (top quartile). 1Y return: 7.28% (top quartile). 1Y return: 7.06% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 6.99% (lower mid). 1Y return: 6.90% (lower mid). 1Y return: 6.85% (bottom quartile). 1Y return: 6.76% (bottom quartile). 1Y return: 6.74% (bottom quartile). Point 6 1M return: 0.57% (top quartile). 1M return: 0.53% (top quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.52% (upper mid). 1M return: 0.51% (upper mid). 1M return: 0.49% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). Point 7 Sharpe: 3.66 (top quartile). Sharpe: 2.88 (upper mid). Sharpe: 2.79 (lower mid). Sharpe: 2.02 (bottom quartile). Sharpe: 2.31 (lower mid). Sharpe: 1.62 (bottom quartile). Sharpe: 1.96 (bottom quartile). Sharpe: 4.59 (top quartile). Sharpe: 3.54 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.74 (top quartile). Information ratio: -1.18 (bottom quartile). Point 9 Yield to maturity (debt): 6.76% (top quartile). Yield to maturity (debt): 6.66% (upper mid). Yield to maturity (debt): 6.35% (lower mid). Yield to maturity (debt): 6.41% (upper mid). Yield to maturity (debt): 6.72% (top quartile). Yield to maturity (debt): 6.32% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 5.82% (bottom quartile). Yield to maturity (debt): 5.88% (bottom quartile). Point 10 Modified duration: 0.44 yrs (lower mid). Modified duration: 0.39 yrs (upper mid). Modified duration: 0.46 yrs (bottom quartile). Modified duration: 0.44 yrs (lower mid). Modified duration: 0.45 yrs (bottom quartile). Modified duration: 0.51 yrs (bottom quartile). Modified duration: 0.41 yrs (upper mid). Modified duration: 0.11 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Kotak Savings Fund
Nippon India Ultra Short Duration Fund
DSP Money Manager Fund
UTI Ultra Short Term Fund
BOI AXA Liquid Fund
Indiabulls Liquid Fund
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. 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. Research Highlights for ICICI Prudential Ultra Short Term Fund 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. Research Highlights for Invesco India Ultra Short Term Fund 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. Research Highlights for Kotak Savings Fund 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. Research Highlights for Nippon India Ultra Short Duration Fund 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." Research Highlights for DSP Money Manager Fund Below is the key information for DSP 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. Research Highlights for UTI Ultra Short Term Fund 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. Research Highlights for BOI AXA Liquid Fund 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. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (29 Oct 25) ₹560.612 ↑ 0.09 (0.02 %) Net Assets (Cr) ₹21,521 on 31 Aug 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 3.66 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.76% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,435 30 Sep 22 ₹10,856 30 Sep 23 ₹11,624 30 Sep 24 ₹12,503 30 Sep 25 ₹13,481 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3.5% 1 Year 7.7% 3 Year 7.5% 5 Year 6.2% 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 11.29 Yr. Kaustubh Gupta 15 Jul 11 14.22 Yr. Monika Gandhi 22 Mar 21 4.53 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 45.26% Debt 54.49% Other 0.25% Debt Sector Allocation
Sector Value Corporate 52.07% Cash Equivalent 32.08% Government 15.6% Credit Quality
Rating Value AA 30.39% AAA 69.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹614 Cr 60,000 Nirma Limited
Debentures | -2% ₹487 Cr 48,500 07.22 GJ Sdl 2028
Sovereign Bonds | -2% ₹377 Cr 37,500,000 Mankind Pharma Limited
Debentures | -2% ₹348 Cr 34,500 Bank of Baroda
Debentures | -2% ₹343 Cr 7,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹341 Cr 3,400 Avanse Financial Services Limited
Debentures | -1% ₹301 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹299 Cr 30,000 ICICI Home Finance Company Limited
Debentures | -1% ₹271 Cr 27,000 Bharti Telecom Limited
Debentures | -1% ₹260 Cr 2,600 2. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (29 Oct 25) ₹28.2933 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹16,980 on 15 Sep 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 6.66% Effective Maturity 7 Months 2 Days Modified Duration 4 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,444 30 Sep 22 ₹10,848 30 Sep 23 ₹11,587 30 Sep 24 ₹12,439 30 Sep 25 ₹13,356 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.3% 1 Year 7.3% 3 Year 7.2% 5 Year 5.9% 10 Year 15 Year Since launch 7.4% 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 8.88 Yr. Ritesh Lunawat 15 Jun 17 8.3 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 50.57% Debt 49.16% Other 0.27% Debt Sector Allocation
Sector Value Corporate 49.4% Cash Equivalent 29.95% Government 17.7% Securitized 2.69% Credit Quality
Rating Value AA 20.79% AAA 79.21% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -4% ₹676 Cr 66,961,000
↓ -5,357,200 LIC Housing Finance Ltd
Debentures | -4% ₹601 Cr 6,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹579 Cr 57,500 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹455 Cr 450 National Bank For Agriculture And Rural Development
Debentures | -2% ₹376 Cr 3,750 Small Industries Development Bank Of India
Debentures | -2% ₹352 Cr 35,000 Vedanta Limited
Debentures | -2% ₹301 Cr 30,000 Piramal Finance Limited
Debentures | -2% ₹276 Cr 27,500 Larsen And Toubro Limited
Debentures | -1% ₹250 Cr 25,000 LIC Housing Finance Ltd
Debentures | -1% ₹226 Cr 2,250 3. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (29 Oct 25) ₹2,750.98 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹1,330 on 31 Aug 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 2.79 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.35% Effective Maturity 5 Months 28 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,320 30 Sep 22 ₹10,666 30 Sep 23 ₹11,360 30 Sep 24 ₹12,191 30 Sep 25 ₹13,066 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3.1% 1 Year 7.1% 3 Year 7% 5 Year 5.5% 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 5.74 Yr. Vikas Garg 27 Jul 21 4.18 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 43.78% Debt 55.9% Other 0.32% Debt Sector Allocation
Sector Value Corporate 64.46% Cash Equivalent 23.11% Government 12.12% Credit Quality
Rating Value AA 22.49% AAA 77.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of Baroda
Debentures | -6% ₹74 Cr 7,500,000 Small Industries Development Bank Of India
Debentures | -4% ₹50 Cr 5,000,000 91 Days Tbill Red 30-10-2025
Sovereign Bonds | -4% ₹50 Cr 5,000,000 India (Republic of)
- | -4% ₹50 Cr 5,000,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹40 Cr 4,000,000 Sundaram Home Finance Limited
Debentures | -3% ₹35 Cr 3,500,000 Manappuram Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 Power Finance Corporation Limited
Debentures | -2% ₹25 Cr 2,500,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹25 Cr 2,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 4. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (29 Oct 25) ₹43.7435 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹15,667 on 31 Aug 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 2.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.41% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,347 30 Sep 22 ₹10,731 30 Sep 23 ₹11,454 30 Sep 24 ₹12,268 30 Sep 25 ₹13,137 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3.2% 1 Year 7% 3 Year 7% 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 17.47 Yr. Manu Sharma 1 Nov 22 2.92 Yr. Data below for Kotak Savings Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 46.15% Debt 53.55% Other 0.3% Debt Sector Allocation
Sector Value Corporate 55.49% Government 21.84% Cash Equivalent 19.97% Securitized 2.41% Credit Quality
Rating Value AA 10.25% AAA 89.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹773 Cr 77,000 Bajaj Housing Finance Limited
Debentures | -4% ₹646 Cr 6,420 National Bank For Agriculture And Rural Development
Debentures | -4% ₹584 Cr 57,500
↑ 10,000 Rec Limited
Debentures | -3% ₹477 Cr 47,500 364 DTB 19mar2026
Sovereign Bonds | -2% ₹303 Cr 31,000,000 Mankind Pharma Limited
Debentures | -2% ₹302 Cr 30,000 364 Days Tbill Red 28-05-2026
Sovereign Bonds | -2% ₹242 Cr 25,000,000 7.11% Govt Stock 2028
Sovereign Bonds | -2% ₹227 Cr 22,500,000 Bharti Telecom Limited
Debentures | -1% ₹225 Cr 2,250 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -1% ₹212 Cr 210 5. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (29 Oct 25) ₹4,109.85 ↑ 0.61 (0.01 %) Net Assets (Cr) ₹11,076 on 31 Aug 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 2.31 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.72% Effective Maturity 8 Months 1 Day Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,852 30 Sep 22 ₹11,286 30 Sep 23 ₹12,030 30 Sep 24 ₹12,884 30 Sep 25 ₹13,797 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3.1% 1 Year 7% 3 Year 7% 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 12.01 Yr. Kinjal Desai 25 May 18 7.36 Yr. Akshay Sharma 1 Dec 22 2.84 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 39.83% Debt 59.94% Other 0.23% Debt Sector Allocation
Sector Value Corporate 60.71% Cash Equivalent 23.83% Government 15.23% Credit Quality
Rating Value AA 21.78% AAA 78.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹487 Cr 48,500 Power Finance Corporation Limited
Debentures | -3% ₹352 Cr 35,000 Small Industries Development Bank Of India
Debentures | -2% ₹276 Cr 2,750 JSW Energy Limited
Debentures | -2% ₹251 Cr 25,000
↑ 25,000 Vedanta Limited
Debentures | -2% ₹241 Cr 24,000 TATA Communications Limited
Debentures | -2% ₹227 Cr 22,500 Aadhar Housing Finance Limited
Debentures | -2% ₹202 Cr 20,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹201 Cr 20,000 364 DTB 27112025
Sovereign Bonds | -2% ₹199 Cr 20,000,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹195 Cr 1,950 6. DSP Money Manager Fund
DSP Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (29 Oct 25) ₹3,471.63 ↑ 0.53 (0.02 %) Net Assets (Cr) ₹3,845 on 31 Aug 25 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio 1.62 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.32% Effective Maturity 6 Months 22 Days Modified Duration 6 Months 4 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,307 30 Sep 22 ₹10,647 30 Sep 23 ₹11,329 30 Sep 24 ₹12,124 30 Sep 25 ₹12,972 Returns for DSP Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3% 1 Year 6.9% 3 Year 6.8% 5 Year 5.4% 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 Money Manager Fund
Name Since Tenure Karan Mundhra 31 May 21 4.34 Yr. Shalini Vasanta 1 Jan 25 0.75 Yr. Data below for DSP Money Manager Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 57.73% Debt 41.84% Other 0.43% Debt Sector Allocation
Sector Value Corporate 47.62% Cash Equivalent 36.29% Government 15.67% Credit Quality
Rating Value AA 8.26% AAA 91.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹128 Cr 12,500
↓ -2,500 Small Industries Development Bank Of India
Debentures | -3% ₹102 Cr 10,000 Piramal Finance Limited
Debentures | -3% ₹100 Cr 10,000
↑ 10,000 364 DTB 06112025
Sovereign Bonds | -3% ₹100 Cr 10,000,000 National Housing Bank
Debentures | -2% ₹77 Cr 7,500
↓ -2,500 Aditya Birla Renewables Limited
Debentures | -2% ₹77 Cr 7,500 Rec Limited
Debentures | -2% ₹76 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹76 Cr 7,500 Kotak Mahindra Prime Limited
Debentures | -1% ₹55 Cr 5,000 Muthoot Finance Limited
Debentures | -1% ₹54 Cr 5,000 7. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (29 Oct 25) ₹4,321.96 ↑ 0.53 (0.01 %) Net Assets (Cr) ₹4,181 on 31 Aug 25 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.93 Sharpe Ratio 1.96 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.4% Effective Maturity 5 Months 19 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,642 30 Sep 22 ₹11,025 30 Sep 23 ₹11,752 30 Sep 24 ₹12,590 30 Sep 25 ₹13,465 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3.1% 1 Year 6.8% 3 Year 6.9% 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 0.69 Yr. Data below for UTI Ultra Short Term Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 53.38% Debt 46.32% Other 0.31% Debt Sector Allocation
Sector Value Corporate 56.1% Cash Equivalent 28.7% Government 14.89% Credit Quality
Rating Value AA 16.58% AAA 83.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 Days T-Bill - 09/04/2026
Sovereign Bonds | -5% ₹195 Cr 2,000,000,000
↑ 2,000,000,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹151 Cr 15,000
↑ 5,000 TATA Communications Limited
Debentures | -2% ₹101 Cr 10,000 Shriram Finance Limited
Debentures | -2% ₹101 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹101 Cr 10,000 LIC Housing Finance Ltd
Debentures | -2% ₹100 Cr 1,000 Bajaj Housing Finance Limited
Debentures | -2% ₹75 Cr 750 Small Industries Development Bank Of India
Debentures | -2% ₹75 Cr 750 Piramal Finance Limited
Debentures | -2% ₹75 Cr 7,500
↑ 7,500 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹75 Cr 750 8. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (29 Oct 25) ₹3,064.24 ↑ 0.42 (0.01 %) Net Assets (Cr) ₹1,824 on 31 Aug 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 4.59 Information Ratio 0.74 Alpha Ratio 0.05 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.82% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,315 30 Sep 22 ₹10,743 30 Sep 23 ₹11,485 30 Sep 24 ₹12,340 30 Sep 25 ₹13,187 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3% 1 Year 6.8% 3 Year 7.1% 5 Year 5.7% 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 4.13 Yr. Data below for BOI AXA Liquid Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 99.64% Other 0.36% Debt Sector Allocation
Sector Value Cash Equivalent 68.16% Corporate 24.83% Government 6.65% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Union Bank Of India
Certificate of Deposit | -8% ₹124 Cr 12,500,000 ICICI Home Finance Company Limited
Commercial Paper | -5% ₹75 Cr 7,500,000 Motilal Oswal Financial Services Limited (20/11/2025) **
Net Current Assets | -5% ₹75 Cr 7,500,000 91 Days Tbill (Md 04/12/2025)
Sovereign Bonds | -5% ₹74 Cr 7,500,000
↑ 7,500,000 91 Days Tbill (Md 11/12/2025)
Sovereign Bonds | -5% ₹74 Cr 7,500,000
↑ 7,500,000 Godrej Agrovet Ltd.
Commercial Paper | -3% ₹50 Cr 5,000,000 India (Republic of)
- | -3% ₹50 Cr 5,000,000
↑ 2,500,000 India (Republic of)
- | -3% ₹50 Cr 5,000,000 Axis Bank Limited
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Reliance Retail Ventures Limited (12/11/2025) **
Net Current Assets | -3% ₹50 Cr 5,000,000 9. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (29 Oct 25) ₹2,572.98 ↑ 0.40 (0.02 %) Net Assets (Cr) ₹303 on 31 Aug 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 3.54 Information Ratio -1.18 Alpha Ratio -0.03 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.88% Effective Maturity 1 Month 3 Days Modified Duration 1 Month 3 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,309 30 Sep 22 ₹10,700 30 Sep 23 ₹11,403 30 Sep 24 ₹12,241 30 Sep 25 ₹13,079 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Oct 25 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3% 1 Year 6.7% 3 Year 6.9% 5 Year 5.6% 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 2.39 Yr. Data below for Indiabulls Liquid Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 99.55% Other 0.45% Debt Sector Allocation
Sector Value Cash Equivalent 66.19% Corporate 32.62% Government 0.75% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Hdfc Securities Limited 15-Dec-2025**
Net Current Assets | -16% ₹25 Cr 2,500,000
↑ 2,500,000 Punjab National Bank
Certificate of Deposit | -13% ₹20 Cr 2,050,000 Reverse Repo 16-Oct-25
CBLO/Reverse Repo | -12% ₹18 Cr Icici Securities Limited 13-Nov-2025**
Net Current Assets | -10% ₹15 Cr 1,500,000 Kotak Mahindra Bank Limited 2025
Certificate of Deposit | -10% ₹15 Cr 1,500,000 L&T Finance Limited 17-Dec-2025**
Net Current Assets | -9% ₹14 Cr 1,400,000 Small Industries Development Bank Of India
Debentures | -7% ₹10 Cr 1,000,000 Bank Of India
Certificate of Deposit | -6% ₹10 Cr 1,000,000 Canara Bank 27-Nov-2025**#
Net Current Assets | -5% ₹8 Cr 800,000
↑ 800,000 Power Finance Corporation Limited
Debentures | -3% ₹5 Cr 500,000
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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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