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9 Best SIP Plans for 1 Year Investment 2021
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 21 - 22
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2020 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Nippon India Ultra Short Duration Fund Growth ₹3,196.95
↑ 1.07 ₹1,238 100 4.6 5.9 9.5 5.1 4.9 5.32% 5M 5D 6M 27D ICICI Prudential Ultra Short Term Fund Growth ₹21.8671
↑ 0.00 ₹10,338 1,000 1 2.2 4.8 6.9 6.5 4.72% 4M 24D 6M Aditya Birla Sun Life Savings Fund Growth ₹428.813
↑ 0.10 ₹18,789 1,000 1.1 2.2 4.6 7.1 7 4.35% 6M 7D 6M 14D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 500 0.8 1.5 4.2 6.2 3.23% 1D 1D IDBI Ultra Short Term Fund Growth ₹2,190.71
↑ 0.21 ₹389 500 0.8 1.6 4 5.7 5.1 0% UTI Ultra Short Term Fund Growth ₹3,294.65
↑ 0.57 ₹2,106 2,500 0.8 1.7 3.8 4.5 5.3 4.16% 5M 9D 6M 4D Kotak Savings Fund Growth ₹34.1049
↑ 0.00 ₹10,545 1,000 0.9 1.8 3.6 6.3 5.8 3.96% 5M 5D 5M 23D IDBI Liquid Fund Growth ₹2,220.34
↑ 0.21 ₹1,223 500 0.8 1.7 3.4 5.5 4.5 0% BOI AXA Ultra Short Duration Fund Growth ₹2,547.64
↑ 0.23 ₹315 1,000 0.8 1.7 3.3 5.9 4.9 3.55% 3M 18D 3M 25D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jul 21
(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 (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 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 To provide liquidity with returns commensurate with low risk through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 6 Jan 12. It is a fund with Moderately Low risk and has given a Below is the key information for Indiabulls Ultra Short Term Fund Returns up to 1 year are on The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized. IDBI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 Sep 10. It is a fund with Moderately Low risk and has given a Below is the key information for IDBI Ultra Short Term 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 (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 The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized. IDBI Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Jul 10. It is a fund with Low risk and has given a Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (Erstwhile BOI AXA Treasury Advantage Fund) The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
The Scheme is not providing any assured or guaranteed returns. Further, there is also no assurance that the investment objective of the Scheme will be achieved. BOI AXA Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 16 Jul 08. It is a fund with Moderately Low risk and has given a Below is the key information for BOI AXA Ultra Short Duration Fund Returns up to 1 year are on 1. Nippon India Ultra Short Duration Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2020 was 4.9% , 2019 was 0.9% and 2018 was 7.3% . Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (27 Jul 21) ₹3,196.95 ↑ 1.07 (0.03 %) Net Assets (Cr) ₹1,238 on 30 Jun 21 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.09 Sharpe Ratio 1.08 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 5.32% Effective Maturity 6 Months 27 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,597 30 Jun 18 ₹11,253 30 Jun 19 ₹11,866 30 Jun 20 ₹12,098 30 Jun 21 ₹12,778 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 2.8% 3 Month 4.6% 6 Month 5.9% 1 Year 9.5% 3 Year 5.1% 5 Year 5.5% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% 2015 7.6% 2014 8.4% 2013 8.5% 2012 9.2% 2011 9% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 7.75 Yr. Kinjal Desai 25 May 18 3.1 Yr. Data below for Nippon India Ultra Short Duration Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 38.2% Debt 61.8% Debt Sector Allocation
Sector Value Corporate 41.4% Cash Equivalent 34.26% Government 20.3% Securitized 4.04% Credit Quality
Rating Value A 3.46% AA 24.67% AAA 71.86% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.35% Govt Stock 2022
Sovereign Bonds | -8% ₹104 Cr 10,000,000
↑ 10,000,000 182 DTB 02122021
Sovereign Bonds | -8% ₹98 Cr 10,000,000
↑ 10,000,000 Piramal Capital & Housing Finance Limited
Debentures | -4% ₹55 Cr 675
↑ 675 Mobil Trust Series 19
Unlisted bonds | -4% ₹50 Cr 500,000,000
↑ 500,000,000 182 DTB 25112021
Sovereign Bonds | -4% ₹49 Cr 5,000,000
↑ 5,000,000 India Grid Trust
Debentures | -4% ₹48 Cr 400
↑ 400 Shriram Transport Finance Company Limited
Debentures | -4% ₹45 Cr 450
↑ 450 Bajaj Housing Finance Limited
Debentures | -3% ₹41 Cr 400
↑ 400 Indinfravit Trust
Debentures | -3% ₹40 Cr 400
↑ 400 Ahmedabad-Maliya Tollway Limited
Debentures | -3% ₹38 Cr 380
↑ 380 2. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2020 was 6.5% , 2019 was 8.4% and 2018 was 7.5% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (27 Jul 21) ₹21.8671 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹10,338 on 30 Jun 21 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.96 Sharpe Ratio 3.53 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 4.72% Effective Maturity 6 Months Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,907 30 Jun 18 ₹11,612 30 Jun 19 ₹12,571 30 Jun 20 ₹13,559 30 Jun 21 ₹14,240 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.4% 3 Month 1% 6 Month 2.2% 1 Year 4.8% 3 Year 6.9% 5 Year 7.2% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% 2013 3.1% 2012 9.4% 2011 Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 4.62 Yr. Ritesh Lunawat 15 Jun 17 4.04 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 49.41% Debt 50.59% Debt Sector Allocation
Sector Value Corporate 42.93% Cash Equivalent 42.47% Government 14.6% Credit Quality
Rating Value A 2.29% AA 31.49% AAA 66.23% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 19082021
Sovereign Bonds | -6% ₹622 Cr 62,500,000
↑ 62,500,000 182 DTB 09122021
Sovereign Bonds | -5% ₹492 Cr 50,000,000
↑ 50,000,000 182 DTB 16122021
Sovereign Bonds | -5% ₹492 Cr 50,000,000
↑ 50,000,000 Embassy Office Parks Reit
Debentures | -3% ₹356 Cr 2,887
↑ 2,887 182 DTB 23122021
Sovereign Bonds | -3% ₹295 Cr 30,000,000
↑ 30,000,000 Talwandi Sabo Power Limited
Debentures | -2% ₹237 Cr 2,362
↑ 2,362 The Tata Power Company Limited
Debentures | -2% ₹221 Cr 2,084
↑ 2,084 Housing Development Finance Corporation Limited
Debentures | -2% ₹215 Cr 2,130
↑ 2,130 Reliance Ports and Terminals Limited
Debentures | -2% ₹204 Cr 2,019
↑ 2,019 Manappuram Finance Limited
Debentures | -2% ₹203 Cr 2,000
↑ 2,000 3. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2020 was 7% , 2019 was 8.5% and 2018 was 7.6% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (27 Jul 21) ₹428.813 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹18,789 on 30 Jun 21 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.39 Sharpe Ratio 2.49 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 4.35% Effective Maturity 6 Months 14 Days Modified Duration 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,854 30 Jun 18 ₹11,577 30 Jun 19 ₹12,567 30 Jun 20 ₹13,608 30 Jun 21 ₹14,267 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.4% 3 Month 1.1% 6 Month 2.2% 1 Year 4.6% 3 Year 7.1% 5 Year 7.2% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% 2015 8.9% 2014 9.7% 2013 9.5% 2012 9.7% 2011 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 11 Oct 14 6.72 Yr. Kaustubh Gupta 15 Jul 11 9.97 Yr. Monika Gandhi 22 Mar 21 0.27 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 42.1% Debt 57.9% Debt Sector Allocation
Sector Value Corporate 45.27% Cash Equivalent 28.71% Government 26.02% Credit Quality
Rating Value AA 11.84% AAA 88.16% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.79% Govt Stock 2021
Sovereign Bonds | -12% ₹2,169 Cr 213,100,000
↑ 213,100,000 Reliance Industries Limited
Debentures | -4% ₹761 Cr 7,401
↑ 7,401 8.83% Govt Stock 2023
Sovereign Bonds | -3% ₹522 Cr 48,000,000
↑ 48,000,000 Citicorp Finance (India) Limited
Debentures | -3% ₹501 Cr 5,000
↑ 5,000 REC Limited
Debentures | -2% ₹328 Cr 3,200
↑ 3,200 Rural Electrification Corporation Limited
Debentures | -2% ₹319 Cr 3,150
↑ 3,150 Shriram Transport Finance Company Limited
Debentures | -1% ₹276 Cr 2,750
↑ 2,750 8.21% HR SDL Spl 2023
Domestic Bonds | -1% ₹243 Cr 23,000,000
↑ 23,000,000 Muthoot Finance Limited
Debentures | -1% ₹240 Cr 2,350
↑ 2,350 Rural Electrification Corporation Limited
Debentures | -1% ₹227 Cr 2,250
↑ 2,250 4. Indiabulls Ultra Short Term Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 17 in Ultrashort Bond category. . Indiabulls Ultra Short Term Fund
Growth Launch Date 6 Jan 12 NAV (31 Mar 21) ₹2,021.64 ↑ 0.84 (0.04 %) Net Assets (Cr) ₹18 on 28 Feb 21 Category Debt - Ultrashort Bond AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.68 Sharpe Ratio 0.98 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 3.23% Effective Maturity 1 Day Modified Duration 1 Day Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,824 30 Jun 18 ₹11,542 30 Jun 19 ₹12,441 30 Jun 20 ₹13,321 Returns for Indiabulls Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.2% 3 Month 0.8% 6 Month 1.5% 1 Year 4.2% 3 Year 6.2% 5 Year 6.8% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 Fund Manager information for Indiabulls Ultra Short Term Fund
Name Since Tenure Data below for Indiabulls Ultra Short Term Fund as on 28 Feb 21
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. IDBI Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 78 in Ultrashort Bond category. Return for 2020 was 5.1% , 2019 was 6.9% and 2018 was 6.9% . IDBI Ultra Short Term Fund
Growth Launch Date 3 Sep 10 NAV (27 Jul 21) ₹2,190.71 ↑ 0.21 (0.01 %) Net Assets (Cr) ₹389 on 30 Jun 21 Category Debt - Ultrashort Bond AMC IDBI Asset Management Limited Rating ☆ Risk Moderately Low Expense Ratio 0.73 Sharpe Ratio 1.67 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,683 30 Jun 18 ₹11,330 30 Jun 19 ₹11,608 30 Jun 20 ₹12,857 30 Jun 21 ₹13,409 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.3% 3 Month 0.8% 6 Month 1.6% 1 Year 4% 3 Year 5.7% 5 Year 5.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2020 5.1% 2019 6.9% 2018 6.9% 2017 5.8% 2016 7.9% 2015 7.8% 2014 8.7% 2013 9.2% 2012 9.7% 2011 9.3% Fund Manager information for IDBI Ultra Short Term Fund
Name Since Tenure Bhupesh Kalyani 1 Feb 17 4.41 Yr. Data below for IDBI Ultra Short Term Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 40.83% Debt 59.17% Debt Sector Allocation
Sector Value Government 56.84% Cash Equivalent 40.83% Corporate 2.33% Credit Quality
Rating Value AA 2.95% AAA 97.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 09122021
Sovereign Bonds | -25% ₹98 Cr 10,000,000
↑ 10,000,000 182 DTB 12112021
Sovereign Bonds | -13% ₹49 Cr 5,000,000
↑ 5,000,000 182 DTB 25112021
Sovereign Bonds | -6% ₹25 Cr 2,500,000
↑ 2,500,000 182 DTB 23122021
Sovereign Bonds | -6% ₹25 Cr 2,500,000
↑ 2,500,000 182 DTB 16122021
Sovereign Bonds | -5% ₹20 Cr 2,000,000
↑ 2,000,000 Punjab National Bank
Debentures | -1% ₹5 Cr 450,000
↑ 450,000 The Tata Power Company Limited
Debentures | -1% ₹2 Cr 200,000
↑ 200,000 Chennai Petroleum Corporation Limited
Debentures | -1% ₹2 Cr 200,000
↑ 200,000 REC Limited
Debentures | -1% ₹2 Cr 200,000
↑ 200,000 JSW Steel Limited
Debentures | -0% ₹2 Cr 150,000
↑ 150,000 6. UTI Ultra Short Term Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2020 was 5.3% , 2019 was 3.3% and 2018 was 7% . UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (27 Jul 21) ₹3,294.65 ↑ 0.57 (0.02 %) Net Assets (Cr) ₹2,106 on 30 Jun 21 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.95 Sharpe Ratio 1.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,500 Exit Load NIL Yield to Maturity 4.16% Effective Maturity 6 Months 4 Days Modified Duration 5 Months 9 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,803 30 Jun 18 ₹11,479 30 Jun 19 ₹11,875 30 Jun 20 ₹12,651 30 Jun 21 ₹13,152 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.3% 3 Month 0.8% 6 Month 1.7% 1 Year 3.8% 3 Year 4.5% 5 Year 5.5% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2020 5.3% 2019 3.3% 2018 7% 2017 6.6% 2016 8.9% 2015 8.5% 2014 8.8% 2013 9.8% 2012 9% 2011 8.2% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Sudhir Agarwal 1 Jul 15 6 Yr. Ritesh Nambiar 1 Jul 15 6 Yr. Data below for UTI Ultra Short Term Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 56.11% Debt 43.89% Debt Sector Allocation
Sector Value Corporate 40.41% Cash Equivalent 39.61% Government 19.99% Credit Quality
Rating Value A 3.21% AA 13.9% AAA 82.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 15072021
Sovereign Bonds | -9% ₹200 Cr 2,000,000,000
↑ 2,000,000,000 8.20% Govt Stock 2022
Sovereign Bonds | -6% ₹118 Cr 1,150,000,000
↑ 1,150,000,000 182 DTB 02122021
Sovereign Bonds | -5% ₹98 Cr 1,000,000,000
↑ 1,000,000,000 6.17% Govt Stock 2021
Sovereign Bonds | -5% ₹95 Cr 950,000,000
↑ 950,000,000 Hindalco Industries Limited
Debentures | -4% ₹78 Cr 750
↑ 750 Avanse Financial Services Limited
Debentures | -3% ₹65 Cr 650
↑ 650 Reliance Industries Limited
Debentures | -2% ₹51 Cr 500
↑ 500 Housing Development Finance Corporation Limited
Debentures | -2% ₹51 Cr 500
↑ 500 Power Finance Corporation Limited
Debentures | -2% ₹50 Cr 500
↑ 500 91 DTB 26082021
Sovereign Bonds | -2% ₹50 Cr 500,000,000
↑ 500,000,000 7. Kotak Savings Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2020 was 5.8% , 2019 was 7.8% and 2018 was 7.4% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (27 Jul 21) ₹34.1049 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹10,545 on 30 Jun 21 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.48 Sharpe Ratio 0.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 3.96% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,768 30 Jun 18 ₹11,470 30 Jun 19 ₹12,388 30 Jun 20 ₹13,317 30 Jun 21 ₹13,811 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.4% 3 Month 0.9% 6 Month 1.8% 1 Year 3.6% 3 Year 6.3% 5 Year 6.6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% 2015 8.6% 2014 9.4% 2013 8.9% 2012 9.6% 2011 9.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 13.22 Yr. Data below for Kotak Savings Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 29.57% Debt 70.43% Debt Sector Allocation
Sector Value Government 48.43% Corporate 39.07% Cash Equivalent 12.51% Credit Quality
Rating Value AA 8.15% AAA 91.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.79% Govt Stock 2021
Sovereign Bonds | -23% ₹2,405 Cr 236,269,250
↑ 236,269,250 182 DTB 09122021
Sovereign Bonds | -8% ₹886 Cr 90,000,000
↑ 90,000,000 Housing Development Finance Corporation Limited
Debentures | -5% ₹525 Cr 5,200
↑ 5,200 182 DTB 23122021
Sovereign Bonds | -5% ₹491 Cr 50,000,000
↑ 50,000,000 182 DTB 02122021
Sovereign Bonds | -4% ₹443 Cr 45,000,000
↑ 45,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹351 Cr 3,500
↑ 3,500 08.11 CG SDL 2021
Sovereign Bonds | -2% ₹254 Cr 25,000,000
↑ 25,000,000 Bharti Telecom Limited
Debentures | -2% ₹205 Cr 2,000
↑ 2,000 Muthoot Finance Limited
Debentures | -2% ₹204 Cr 2,000,000
↑ 2,000,000 Cholamandalam Investment and Fin. Co. Limited
Debentures | -2% ₹202 Cr 2,000
↑ 2,000 8. IDBI Liquid Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 37 in Liquid Fund category. Return for 2020 was 4.5% , 2019 was 6.6% and 2018 was 7.5% . IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (27 Jul 21) ₹2,220.34 ↑ 0.21 (0.01 %) Net Assets (Cr) ₹1,223 on 30 Jun 21 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.21 Sharpe Ratio -4.81 Information Ratio -1.45 Alpha Ratio -0.25 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,680 30 Jun 18 ₹11,419 30 Jun 19 ₹12,272 30 Jun 20 ₹12,982 30 Jun 21 ₹13,427 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.3% 3 Month 0.8% 6 Month 1.7% 1 Year 3.4% 3 Year 5.5% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2020 4.5% 2019 6.6% 2018 7.5% 2017 6.6% 2016 7.5% 2015 8.3% 2014 9% 2013 9% 2012 9.7% 2011 8.9% Fund Manager information for IDBI Liquid Fund
Name Since Tenure Raju Sharma 3 May 17 4.16 Yr. Data below for IDBI Liquid Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 79.73% Debt 20.27% Debt Sector Allocation
Sector Value Cash Equivalent 73.64% Government 20.27% Corporate 6.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 30092021
Sovereign Bonds | -20% ₹248 Cr 25,000,000
↑ 25,000,000 91 DTB 23092021
Sovereign Bonds | -14% ₹169 Cr 17,000,000
↑ 17,000,000 91 DTB 05082021
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↑ 5,000,000 91 DTB 09092021
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↑ 5,000,000 91 DTB 26082021
Sovereign Bonds | -3% ₹41 Cr 4,088,500
↑ 4,088,500 91 DTB 13082021
Sovereign Bonds | -2% ₹25 Cr 2,500,000
↑ 2,500,000 91 DTB 16092021
Sovereign Bonds | -2% ₹25 Cr 2,500,000
↑ 2,500,000 Treps
CBLO/Reverse Repo | -38% ₹466 Cr Net Receivable / Payable
Net Current Assets | -18% -₹222 Cr Aarti Industries Limited
Commercial Paper | -6% ₹74 Cr 7,500,000
↑ 7,500,000 9. BOI AXA Ultra Short Duration Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 9 in Ultrashort Bond category. Return for 2020 was 4.9% , 2019 was 7.5% and 2018 was 7.6% . BOI AXA Ultra Short Duration Fund
Growth Launch Date 16 Jul 08 NAV (27 Jul 21) ₹2,547.64 ↑ 0.23 (0.01 %) Net Assets (Cr) ₹315 on 30 Jun 21 Category Debt - Ultrashort Bond AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.58 Sharpe Ratio -1.24 Information Ratio 0.75 Alpha Ratio -0.42 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 3.55% Effective Maturity 3 Months 25 Days Modified Duration 3 Months 18 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 16 ₹10,000 30 Jun 17 ₹10,885 30 Jun 18 ₹11,686 30 Jun 19 ₹12,601 30 Jun 20 ₹13,451 30 Jun 21 ₹13,905 Returns for BOI AXA Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21 Duration Returns 1 Month 0.3% 3 Month 0.8% 6 Month 1.7% 1 Year 3.3% 3 Year 5.9% 5 Year 6.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2020 4.9% 2019 7.5% 2018 7.6% 2017 8% 2016 9.1% 2015 8.7% 2014 9.3% 2013 9.2% 2012 8.5% 2011 8.2% Fund Manager information for BOI AXA Ultra Short Duration Fund
Name Since Tenure Alok Singh 30 Jun 21 0 Yr. Data below for BOI AXA Ultra Short Duration Fund as on 30 Jun 21
Asset Allocation
Asset Class Value Cash 69.1% Debt 30.9% Debt Sector Allocation
Sector Value Cash Equivalent 61.28% Corporate 23.17% Government 15.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Power Grid Corporation of India Limited
Debentures | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Housing Development Finance Corporation Limited
Debentures | -8% ₹25 Cr 2,500,000
↑ 2,500,000 91 DTB 22072021
Sovereign Bonds | -8% ₹25 Cr 2,500,000
↑ 2,500,000 National Highways Authority of India
Debentures | -7% ₹24 Cr 2,300,000
↑ 2,300,000 Power Finance Corporation Limited
Debentures | -6% ₹20 Cr 2,000,000
↑ 2,000,000 91 DTB 29072021
Sovereign Bonds | -5% ₹15 Cr 1,500,000
↑ 1,500,000 REC Limited
Debentures | -4% ₹13 Cr 1,250,000
↑ 1,250,000 Rural Electrification Corporation Limited
Debentures | -3% ₹10 Cr 1,000,000
↑ 1,000,000 Treps
CBLO/Reverse Repo | -16% ₹49 Cr Reliance Industries Limited
Commercial Paper | -8% ₹25 Cr 2,500,000
↑ 2,500,000
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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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