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9 Best SIP Plans for 1 Year Investment 2024
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 24 - 25
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹501.038
↑ 0.10 ₹10,748 1,000 2.1 3.8 7.5 5.8 7.2 7.95% 5M 12D 6M 4D BOI AXA Liquid Fund Growth ₹2,767.21
↑ 0.54 ₹1,322 1,000 1.9 3.8 7.3 5.6 7 7.4% 1M 13D 1M 13D Mirae Asset Cash Management Fund Growth ₹2,521.89
↑ 0.46 ₹6,872 1,000 1.9 3.7 7.3 5.5 7 7.34% 1M 6D 1M 7D ICICI Prudential Liquid Fund Growth ₹356.056
↑ 0.07 ₹35,428 99 1.9 3.7 7.2 5.5 7 7.49% 1M 11D 1M 15D LIC MF Liquid Fund Growth ₹4,349.21
↑ 0.80 ₹8,305 1,000 1.9 3.7 7.2 5.4 7 7.66% 1M 12D 1M 12D ICICI Prudential Ultra Short Term Fund Growth ₹25.4267
↑ 0.01 ₹12,180 1,000 2 3.7 7.2 5.6 6.9 8.02% 4M 24D 5M 8D Tata Liquid Fund Growth ₹3,787.87
↑ 0.69 ₹17,463 500 1.9 3.7 7.2 5.4 7 7.37% 1M 9D 1M 9D Nippon India Liquid Fund Growth ₹5,870.89
↑ 1.06 ₹25,253 100 1.9 3.7 7.2 5.5 7 7.48% 1M 8D 1M 12D IDFC Cash Fund Growth ₹2,907.29
↑ 0.53 ₹10,444 100 1.9 3.7 7.2 5.5 7 7.6% 2M 4D 2M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Apr 24
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on The investment objective of the scheme
is to generate consistent returns with a
high level of liquidity in a judicious
portfolio mix comprising of money
market and debt instruments. The
Scheme does not guarantee any
returns. Mirae Asset Cash Management Fund is a Debt - Liquid Fund fund was launched on 12 Jan 09. It is a fund with Low risk and has given a Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Liquid Plan) To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities. ICICI Prudential Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a Below is the key information for LIC MF Liquid 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 TATA Money Market Fund ) To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Tata Liquid Fund is a Debt - Liquid Fund fund was launched on 1 Sep 04. It is a fund with Low risk and has given a Below is the key information for Tata Liquid Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury Plan) The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized. IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a Below is the key information for IDFC Cash Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (19 Apr 24) ₹501.038 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹10,748 on 31 Mar 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 1.48 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.95% Effective Maturity 6 Months 4 Days Modified Duration 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,773 31 Mar 21 ₹11,456 31 Mar 22 ₹11,933 31 Mar 23 ₹12,579 31 Mar 24 ₹13,513 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.8% 3 Month 2.1% 6 Month 3.8% 1 Year 7.5% 3 Year 5.8% 5 Year 6.2% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.7% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 9.79 Yr. Kaustubh Gupta 15 Jul 11 12.72 Yr. Monika Gandhi 22 Mar 21 3.03 Yr. Dhaval Joshi 21 Nov 22 1.36 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 31.2% Debt 68.48% Other 0.31% Debt Sector Allocation
Sector Value Corporate 62.25% Cash Equivalent 19.08% Government 18.23% Securitized 0.12% Credit Quality
Rating Value AA 32.11% AAA 67.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Debentures | -5% ₹597 Cr 6,000 Nirma Limited
Debentures | -4% ₹500 Cr 50,000 DBS Bank India Ltd.
Debentures | -4% ₹464 Cr 10,000
↑ 10,000 Tata Realty And Infrastructure Limited
Debentures | -3% ₹360 Cr 36,000 Hindalco Industries Limited
Debentures | -3% ₹350 Cr 35,000 Bharti Telecom Limited
Debentures | -3% ₹324 Cr 3,250 Pipeline Infrastructure Limited
Debentures | -3% ₹310 Cr 3,100 National Bank For Agriculture And Rural Development
Debentures | -2% ₹302 Cr 3,035 National Bank For Agriculture And Rural Development
Debentures | -2% ₹267 Cr 2,750 Nirma Limited 8.3%
Debentures | -2% ₹250 Cr 25,000 2. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (21 Apr 24) ₹2,767.21 ↑ 0.54 (0.02 %) Net Assets (Cr) ₹1,322 on 31 Mar 24 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 2.32 Information Ratio -2.87 Alpha Ratio -0.09 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.4% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,595 31 Mar 21 ₹10,970 31 Mar 22 ₹11,342 31 Mar 23 ₹11,990 31 Mar 24 ₹12,862 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.8% 1 Year 7.3% 3 Year 5.6% 5 Year 5.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 2.62 Yr. Data below for BOI AXA Liquid Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 56.9% Corporate 29.45% Government 13.43% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -12% ₹148 Cr 15,000,000
↑ 10,000,000 Bank Of Baroda
Certificate of Deposit | -5% ₹69 Cr 7,000,000 Repo
CBLO/Reverse Repo | -5% ₹62 Cr Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -4% ₹50 Cr 5,000,000 91 DTB 02052024
Sovereign Bonds | -4% ₹50 Cr 5,000,000 Kotak Securities Ltd
Commercial Paper | -4% ₹49 Cr 5,000,000 182 DTB 23052024
Sovereign Bonds | -4% ₹49 Cr 5,000,000
↑ 5,000,000 Punjab National Bank
Certificate of Deposit | -4% ₹49 Cr 5,000,000 Union Bank of India
Domestic Bonds | -4% ₹49 Cr 5,000,000
↑ 5,000,000 Bajaj Finance Ltd.
Commercial Paper | -4% ₹49 Cr 5,000,000 3. Mirae Asset Cash Management Fund
CAGR/Annualized return of 6.2% since its launch. Ranked 48 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.3% . Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (21 Apr 24) ₹2,521.89 ↑ 0.46 (0.02 %) Net Assets (Cr) ₹6,872 on 31 Mar 24 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.19 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.34% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,614 31 Mar 21 ₹10,993 31 Mar 22 ₹11,364 31 Mar 23 ₹12,007 31 Mar 24 ₹12,872 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.3% 3 Year 5.5% 5 Year 5.2% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.3% 2017 6.6% 2016 7.2% 2015 7.8% 2014 8.7% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Abhishek Iyer 28 Dec 20 3.26 Yr. Data below for Mirae Asset Cash Management Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 64.24% Corporate 23.68% Government 11.88% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
CBLO | -4% -₹420 Cr India (Republic of)
- | -3% ₹346 Cr 35,000,000
↑ 5,000,000 State Bank Of India
Certificate of Deposit | -3% ₹291 Cr 29,500,000
↑ 29,500,000 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹275 Cr 27,500,000 Canara Bank
Domestic Bonds | -3% ₹272 Cr 27,500,000 Grasim Industries Ltd.
Commercial Paper | -2% ₹250 Cr 25,000,000 Small Industries Development Bank Of India
Certificate of Deposit | -2% ₹249 Cr 25,000,000
↓ -20,000,000 91 DTB 21032024
Sovereign Bonds | -2% ₹225 Cr 22,500,000 HDFC Bank Limited
Commercial Paper | -2% ₹200 Cr 20,000,000 Aditya Birla Fashion & Retail Ltd.
Commercial Paper | -2% ₹200 Cr 20,000,000 4. ICICI Prudential Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 20 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% . ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (21 Apr 24) ₹356.056 ↑ 0.07 (0.02 %) Net Assets (Cr) ₹35,428 on 31 Mar 24 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 1.05 Information Ratio -4.19 Alpha Ratio -0.26 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 7.49% Effective Maturity 1 Month 15 Days Modified Duration 1 Month 11 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,620 31 Mar 21 ₹11,003 31 Mar 22 ₹11,370 31 Mar 23 ₹12,006 31 Mar 24 ₹12,867 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.5% 5 Year 5.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9.1% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Rohan Maru 19 Sep 13 10.54 Yr. Nikhil Kabra 1 Dec 23 0.33 Yr. Darshil Dedhia 12 Jun 23 0.81 Yr. Data below for ICICI Prudential Liquid Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 67.18% Government 17.02% Corporate 15.56% Credit Quality
Rating Value AA 0.1% AAA 99.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹2,462 Cr 250,000,000
↑ 250,000,000 India (Republic of)
- | -4% ₹2,022 Cr 205,535,500
↑ 205,535,500 Canara Bank
Certificate of Deposit | -4% ₹1,625 Cr 33,000 Union Bank Of India
Certificate of Deposit | -2% ₹989 Cr 20,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹985 Cr 20,000 Punjab National Bank
Certificate of Deposit | -2% ₹985 Cr 20,000 Bank Of Baroda
Certificate of Deposit | -2% ₹985 Cr 20,000 Bank of Baroda
Debentures | -2% ₹984 Cr 20,000 Eris Lifesciences Ltd
Commercial Paper | -2% ₹955 Cr 19,500
↑ 19,500 Small Industries Development Bank of India
Commercial Paper | -2% ₹836 Cr 16,900 5. LIC MF Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% . LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (21 Apr 24) ₹4,349.21 ↑ 0.80 (0.02 %) Net Assets (Cr) ₹8,305 on 31 Mar 24 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.66% Effective Maturity 1 Month 12 Days Modified Duration 1 Month 12 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,620 31 Mar 21 ₹10,997 31 Mar 22 ₹11,363 31 Mar 23 ₹11,996 31 Mar 24 ₹12,855 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.4% 5 Year 5.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 8.49 Yr. Data below for LIC MF Liquid Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 95.27% Debt 4.53% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 68.47% Corporate 23.57% Government 7.76% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen And Toubro Limited
Commercial Paper | -6% ₹749 Cr 15,000
↓ -1,000 Net Receivables / (Payables)
CBLO | -5% -₹682 Cr 91 DTB 02052024
Sovereign Bonds | -4% ₹496 Cr 50,000,000 Canara Bank
Domestic Bonds | -3% ₹442 Cr 9,000
↑ 9,000 91 DTB 23052024
Sovereign Bonds | -3% ₹395 Cr 40,000,000
↑ 40,000,000 Birla Group Holdings Private Limited
Debentures | -3% ₹387 Cr 7,900
↑ 7,900 364 DTB 23052024
Sovereign Bonds | -3% ₹355 Cr 36,000,000
↑ 36,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹344 Cr 7,000
↑ 7,000 Small Industries Development Bank Of India
Certificate of Deposit | -2% ₹298 Cr 6,000 India (Republic of)
- | -2% ₹297 Cr 30,000,000 6. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (19 Apr 24) ₹25.4267 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹12,180 on 31 Mar 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.66 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 8.02% Effective Maturity 5 Months 8 Days Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,791 31 Mar 21 ₹11,427 31 Mar 22 ₹11,880 31 Mar 23 ₹12,512 31 Mar 24 ₹13,412 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.8% 3 Month 2% 6 Month 3.7% 1 Year 7.2% 3 Year 5.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 14.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 7.38 Yr. Ritesh Lunawat 15 Jun 17 6.8 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 58.47% Debt 41.29% Other 0.25% Debt Sector Allocation
Sector Value Corporate 53.47% Cash Equivalent 34.95% Government 11.34% Credit Quality
Rating Value AA 13.68% AAA 86.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹376 Cr 40,000,000 India (Republic of)
- | -3% ₹374 Cr 40,000,000
↑ 40,000,000 Bharti Telecom Limited
Debentures | -3% ₹340 Cr 34,000
↑ 14,000 LIC Housing Finance Ltd
Debentures | -2% ₹295 Cr 2,950 India (Republic of)
- | -2% ₹285 Cr 30,000,000 HDFC Bank Ltd.
Debentures | -2% ₹280 Cr 6,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹275 Cr 2,750 Indusind Bank Ltd.
Debentures | -2% ₹234 Cr 5,000 Indusind Bank Ltd.
Debentures | -2% ₹210 Cr 4,500 Mahindra Rural Housing Finance Limited
Debentures | -1% ₹200 Cr 2,000 7. Tata Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 18 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% . Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (21 Apr 24) ₹3,787.87 ↑ 0.69 (0.02 %) Net Assets (Cr) ₹17,463 on 31 Mar 24 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 1.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 9 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,624 31 Mar 21 ₹11,004 31 Mar 22 ₹11,374 31 Mar 23 ₹12,006 31 Mar 24 ₹12,866 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.4% 5 Year 5.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% Fund Manager information for Tata Liquid Fund
Name Since Tenure Amit Somani 16 Oct 13 10.46 Yr. Abhishek Sonthalia 6 Feb 20 4.15 Yr. Data below for Tata Liquid Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 73.66% Corporate 17.45% Government 8.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 25042024
Sovereign Bonds | -5% ₹1,345 Cr 135,500,000 Indian Bank
Domestic Bonds | -4% ₹1,233 Cr 25,000 India (Republic of)
- | -4% ₹1,209 Cr 121,607,800 Small Industries Development Bank Of India
Commercial Paper | -3% ₹985 Cr 20,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹983 Cr 20,000
↑ 20,000 Canara Bank
Domestic Bonds | -3% ₹982 Cr 20,000
↑ 20,000 08.35 SBI RT SB 2024
Domestic Bonds | -3% ₹950 Cr 95,000,000
↑ 40,000,000 Canara Bank
Certificate of Deposit | -3% ₹848 Cr 17,000 PNB Housing Finance Ltd.
Commercial Paper | -3% ₹786 Cr 16,000
↑ 16,000 Union Bank Of India
Certificate of Deposit | -3% ₹774 Cr 15,500
↑ 4,000 8. Nippon India Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 11 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (21 Apr 24) ₹5,870.89 ↑ 1.06 (0.02 %) Net Assets (Cr) ₹25,253 on 31 Mar 24 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 0.93 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.48% Effective Maturity 1 Month 12 Days Modified Duration 1 Month 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,624 31 Mar 21 ₹11,009 31 Mar 22 ₹11,377 31 Mar 23 ₹12,014 31 Mar 24 ₹12,874 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.5% 5 Year 5.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.3% 2014 9.1% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Anju Chhajer 1 Oct 13 10.51 Yr. Siddharth Deb 1 Mar 22 2.09 Yr. Kinjal Desai 25 May 18 5.86 Yr. Data below for Nippon India Liquid Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 66.49% Corporate 19.29% Government 14.03% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 DTB 23052024
Sovereign Bonds | -4% ₹1,481 Cr 150,000,000 India (Republic of)
- | -4% ₹1,475 Cr 150,000,000
↑ 150,000,000 Bank of Baroda
Debentures | -3% ₹984 Cr 20,000
↑ 20,000 Small Industries Development Bank of India
Commercial Paper | -2% ₹742 Cr 15,000 Reverse Repo
CBLO/Reverse Repo | -2% ₹734 Cr Punjab National Bank
Certificate of Deposit | -2% ₹717 Cr 14,400
↓ -9,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹689 Cr 14,000 Bajaj Finance Ltd.
Commercial Paper | -2% ₹687 Cr 14,000
↑ 14,000 Aditya Birla Finance Limited
Commercial Paper | -2% ₹590 Cr 12,000
↑ 12,000 India (Republic of)
- | -2% ₹542 Cr 54,500,000
↓ -500,000 9. IDFC Cash Fund
CAGR/Annualized return of 7% since its launch. Ranked 26 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% . IDFC Cash Fund
Growth Launch Date 4 Jun 08 NAV (21 Apr 24) ₹2,907.29 ↑ 0.53 (0.02 %) Net Assets (Cr) ₹10,444 on 31 Mar 24 Category Debt - Liquid Fund AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 1.07 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.6% Effective Maturity 2 Months 4 Days Modified Duration 2 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹10,591 31 Mar 21 ₹10,957 31 Mar 22 ₹11,325 31 Mar 23 ₹11,962 31 Mar 24 ₹12,820 Returns for IDFC Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Apr 24 Duration Returns 1 Month 0.7% 3 Month 1.9% 6 Month 3.7% 1 Year 7.2% 3 Year 5.5% 5 Year 5.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.2% 2020 4% 2019 6.3% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9.1% Fund Manager information for IDFC Cash Fund
Name Since Tenure Harshal Joshi 15 Sep 15 8.55 Yr. Brijesh Shah 1 Dec 21 2.33 Yr. Sreejith Balasubramanian 31 Aug 23 0.58 Yr. Data below for IDFC Cash Fund as on 31 Mar 24
Asset Allocation
Asset Class Value Cash 99.83% Other 0.17% Debt Sector Allocation
Sector Value Cash Equivalent 73.98% Corporate 12.99% Government 12.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -11% ₹1,928 Cr India (Republic of)
- | -6% ₹985 Cr 100,000,000
↑ 100,000,000 Small Industries Development Bank of India
Debentures | -6% ₹983 Cr 100,000,000
↑ 100,000,000 India (Republic of)
- | -6% ₹940 Cr 95,000,000 Export-Import Bank Of India
Commercial Paper | -4% ₹738 Cr 75,000,000
↑ 75,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹689 Cr 70,000,000 Canara Bank
Domestic Bonds | -4% ₹689 Cr 70,000,000 Tata Capital Limited
Commercial Paper | -3% ₹494 Cr 50,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹494 Cr 50,000,000 Export-Import Bank of India
Commercial Paper | -3% ₹494 Cr 50,000,000
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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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