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Fincash » Mutual Funds » Best SIP Plans for a Year

9 Best SIP Plans for 1 Year Investment 2023

Updated on January 30, 2023 , 108211 views

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.

SIP

Why Invest in a SIP?

SIP investment in Mutual Funds is the most convenient way to inculcate the habit of saving. Too often the youngest generation of earning people do not save much. To have a Systematic Investment Plan one does not require a massive amount of investing as the starting amount is as low as Rs 500, and some funds even offer SIP for INR 100 monthly. From an early age, one can get into the habit of making their savings as a form of investment. SIP, thereby sets aside a fixed amount to be saved during each month. Systematic Investment Plans are therefore one of the most important tools of smart investing.

SIP’s help you prepare for your Financial goals in a hassle-free manner. Having a SIP is extremely convenient as the Mutual Funds require the paperwork to be done only one time after which the monthly amounts are debited from the Bank account directly without intervention. As a result, SIP’s do not require the efforts required by other investments & savings options.

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Best SIP Plans for 1 Year Investment in FY 23 - 24

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2022 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Essel Liquid Fund Growth ₹24.2088
↑ 0.00
₹126 500 1.635.34.15.16.41%1M 6D1M 10D
BOI AXA Liquid Fund Growth ₹2,539.48
↑ 0.50
₹453 1,000 1.73.15.24.14.96.59%1M 10D1M 13D
Baroda Pioneer Liquid Fund Growth ₹2,541.98
↑ 0.52
₹5,011 500 1.63.15.24.24.96.72%1M 8D1M 12D
IDBI Liquid Fund Growth ₹2,375.49
↑ 0.46
₹634 500 1.63.15.14.34.96.6%25D25D
Mirae Asset Cash Management Fund Growth ₹2,316.09
↑ 0.51
₹5,735 1,000 1.635.14.14.86.65%1M 10D1M 8D
Principal Cash Management Fund Growth ₹1,949.97
↑ 0.45
₹3,153 2,000 1.635.144.86.66%1M 10D1M 11D
JM Liquid Fund Growth ₹60.3703
↑ 0.01
₹1,923 500 1.635.14.14.86.64%1M 3D1M 5D
IDFC Cash Fund Growth ₹2,670.8
↑ 0.53
₹11,163 100 1.635.14.14.86.6%25D26D
Nippon India Liquid Fund  Growth ₹5,393.14
↑ 1.14
₹25,438 100 1.6354.14.86.58%1M 13D1M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Feb 23

1. Essel Liquid Fund

To provide high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market & debt securities. However, there can be no assurance that the investment objective will be achieved. The scheme does not assure or guarantee any returns.

Essel Liquid Fund is a Debt - Liquid Fund fund was launched on 19 Feb 10. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 12 in Liquid Fund category.  Return for 2022 was 5.1% , 2021 was 3.4% and 2020 was 3.7% .

Below is the key information for Essel Liquid Fund

Essel Liquid Fund
Growth
Launch Date 19 Feb 10
NAV (01 Feb 23) ₹24.2088 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹126 on 31 Dec 22
Category Debt - Liquid Fund
AMC Essel Funds Management Company Ltd
Rating
Risk Low
Expense Ratio 0
Sharpe Ratio 0.84
Information Ratio -2.45
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.41%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,748
31 Jan 20₹11,392
31 Jan 21₹11,791
31 Jan 22₹12,201
31 Jan 23₹12,845

Essel Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Essel Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3%
1 Year 5.3%
3 Year 4.1%
5 Year 5.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 5.1%
2021 3.4%
2020 3.7%
2019 6.2%
2018 7.4%
2017 6.8%
2016 7.8%
2015 8.4%
2014 9.2%
2013 9.5%
Fund Manager information for Essel Liquid Fund
NameSinceTenure
Surbhi Sharma11 Mar 220.81 Yr.

Data below for Essel Liquid Fund as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent91.25%
Corporate8.75%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent
Net Current Assets | -
23%₹21 Cr
91 DTB 27012023
Sovereign Bonds | -
22%₹20 Cr2,000,000
91 DTB 19012023
Sovereign Bonds | -
16%₹15 Cr1,500,000
Ujjivan Small Finance Bank Limited
Certificate of Deposit | -
9%₹8 Cr800,000
Time Technoplast Limited ( Formerly Time Packaging Limited)
Commercial Paper | -
9%₹8 Cr800,000
Reliance Industries Limited
Debentures | -
5%₹5 Cr500,000
↑ 500,000
Reliance Industries Limited
Debentures | -
5%₹5 Cr500,000
182 DTB 23032023
Sovereign Bonds | -
5%₹5 Cr500,000
91 DTB 06042023
Sovereign Bonds | -
5%₹5 Cr500,000
↑ 500,000
The Federal Bank Limited
Certificate of Deposit | -
₹0 Cr00
↓ -900,000

2. BOI AXA Liquid Fund

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 CAGR/Annualized return of 6.6% since its launch.  Ranked 34 in Liquid Fund category.  Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (01 Feb 23) ₹2,539.48 ↑ 0.50   (0.02 %)
Net Assets (Cr) ₹453 on 15 Jan 23
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio -0.29
Information Ratio -3.89
Alpha Ratio -0.15
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.59%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,749
31 Jan 20₹11,418
31 Jan 21₹11,866
31 Jan 22₹12,260
31 Jan 23₹12,894

BOI AXA Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.1%
1 Year 5.2%
3 Year 4.1%
5 Year 5.2%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.9%
2021 3.3%
2020 4.1%
2019 6.4%
2018 7.4%
2017 6.7%
2016 7.6%
2015 8.3%
2014 9%
2013 9.3%
Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 211.38 Yr.

Data below for BOI AXA Liquid Fund as on 15 Jan 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent79.16%
Corporate20.84%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
19%₹88 Cr
HDFC Bank Limited
Certificate of Deposit | -
10%₹45 Cr4,500,000
↑ 4,500,000
Power Grid Corporation Of India Limited
Debentures | -
6%₹25 Cr2,500,000
Reliance Jio Infocomm Limited
Commercial Paper | -
6%₹25 Cr2,500,000
91 DTB 09022023
Sovereign Bonds | -
5%₹25 Cr2,500,000
Bank Of Baroda
Certificate of Deposit | -
5%₹25 Cr2,500,000
↑ 2,500,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -
5%₹25 Cr2,500,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
5%₹25 Cr2,500,000
IIFL Wealth Prime Limited
Commercial Paper | -
5%₹25 Cr2,500,000
Small Industries Development Bank Of India
Commercial Paper | -
5%₹25 Cr2,500,000

3. Baroda Pioneer Liquid Fund

To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Baroda Pioneer Liquid Fund is a Debt - Liquid Fund fund was launched on 5 Feb 09. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 22 in Liquid Fund category.  Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% .

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund
Growth
Launch Date 5 Feb 09
NAV (01 Feb 23) ₹2,541.98 ↑ 0.52   (0.02 %)
Net Assets (Cr) ₹5,011 on 31 Dec 22
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio -0.55
Information Ratio -2.19
Alpha Ratio -0.17
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.72%
Effective Maturity 1 Month 12 Days
Modified Duration 1 Month 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,753
31 Jan 20₹11,444
31 Jan 21₹11,894
31 Jan 22₹12,296
31 Jan 23₹12,930

Baroda Pioneer Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Baroda Pioneer Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.1%
1 Year 5.2%
3 Year 4.2%
5 Year 5.3%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.9%
2021 3.3%
2020 4.1%
2019 6.6%
2018 7.5%
2017 6.7%
2016 7.8%
2015 8.4%
2014 9.1%
2013 9.2%
Fund Manager information for Baroda Pioneer Liquid Fund
NameSinceTenure
Mayank Prakash21 Oct 220.19 Yr.
Vikram Pamnani14 Mar 220.8 Yr.

Data below for Baroda Pioneer Liquid Fund as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent77.63%
Corporate12.74%
Government9.64%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 16-Jan-2023
CBLO/Reverse Repo | -
14%₹951 Cr
91 DTB 19012023
Sovereign Bonds | -
7%₹500 Cr50,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹349 Cr7,000
↑ 3,000
LIC Housing Finance Limited
Debentures | -
5%₹325 Cr3,250
↑ 1,000
Hindustan Petroleum Corporation Limited
Commercial Paper | -
4%₹289 Cr5,800
Reliance Retail Ventures Limited
Commercial Paper | -
4%₹249 Cr5,000
Canara Bank
Domestic Bonds | -
4%₹246 Cr5,000
↑ 5,000
91 DTB 02022023
Sovereign Bonds | -
3%₹219 Cr22,000,000
Net Receivable / Payable
CBLO | -
3%-₹210 Cr
Canara Bank
Certificate of Deposit | -
3%₹199 Cr4,000

4. IDBI Liquid Fund

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 CAGR/Annualized return of 7.1% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2022 was 4.9% , 2021 was 3.4% and 2020 was 4.5% .

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (01 Feb 23) ₹2,375.49 ↑ 0.46   (0.02 %)
Net Assets (Cr) ₹634 on 31 Dec 22
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio -0.55
Information Ratio -1.83
Alpha Ratio -0.2
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.6%
Effective Maturity 25 Days
Modified Duration 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,752
31 Jan 20₹11,444
31 Jan 21₹11,941
31 Jan 22₹12,350
31 Jan 23₹12,984

IDBI Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.1%
1 Year 5.1%
3 Year 4.3%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.9%
2021 3.4%
2020 4.5%
2019 6.6%
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 175.67 Yr.

Data below for IDBI Liquid Fund as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent64.79%
Government18.3%
Corporate10.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
38%₹270 Cr
91 DTB 27012023
Sovereign Bonds | -
7%₹50 Cr5,000,000
Hindustan Petroleum Corporation Limited
Commercial Paper | -
7%₹50 Cr5,000,000
State Bank Of India
Certificate of Deposit | -
7%₹49 Cr5,000,000
↑ 5,000,000
India (Republic of)
- | -
6%₹44 Cr4,500,000
↑ 4,500,000
Punjab National Bank
Certificate of Deposit | -
6%₹40 Cr4,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
6%₹40 Cr4,000,000
Kec International Limited
Commercial Paper | -
6%₹40 Cr4,000,000
Small Industries Development Bank of India
Commercial Paper | -
6%₹39 Cr4,000,000
↑ 4,000,000
Canara Bank
Certificate of Deposit | -
6%₹39 Cr4,000,000
↑ 4,000,000

5. Mirae Asset Cash Management Fund

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 CAGR/Annualized return of 6.2% since its launch.  Ranked 48 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.2% .

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund
Growth
Launch Date 12 Jan 09
NAV (01 Feb 23) ₹2,316.09 ↑ 0.51   (0.02 %)
Net Assets (Cr) ₹5,735 on 31 Dec 22
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.2
Sharpe Ratio -1.19
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.65%
Effective Maturity 1 Month 8 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,740
31 Jan 20₹11,426
31 Jan 21₹11,884
31 Jan 22₹12,280
31 Jan 23₹12,905

Mirae Asset Cash Management Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3%
1 Year 5.1%
3 Year 4.1%
5 Year 5.2%
10 Year
15 Year
Since launch 6.2%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.3%
2020 4.2%
2019 6.6%
2018 7.3%
2017 6.6%
2016 7.2%
2015 7.8%
2014 8.7%
2013 8.2%
Fund Manager information for Mirae Asset Cash Management Fund
NameSinceTenure
Abhishek Iyer28 Dec 202.01 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash99.25%
Debt0.75%
Debt Sector Allocation
SectorValue
Cash Equivalent71.32%
Government17.74%
Corporate10.94%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
13%₹881 Cr
Union Bank Of India
Certificate of Deposit | -
3%₹200 Cr20,000,000
↑ 12,500,000
Indian Bank
Certificate of Deposit | -
2%₹150 Cr15,000,000
Small Industries Development Bank Of India
Commercial Paper | -
2%₹148 Cr15,000,000
Redington Ltd.
Commercial Paper | -
2%₹104 Cr10,500,000
↑ 10,500,000
Berger Paints India Limited
Commercial Paper | -
2%₹100 Cr10,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
2%₹100 Cr10,000,000
91 DTB 02022023
Sovereign Bonds | -
2%₹100 Cr10,000,000
182 DTB 09022023
Sovereign Bonds | -
2%₹100 Cr10,000,000
↑ 10,000,000
91 DTB 09022023
Sovereign Bonds | -
2%₹100 Cr10,000,000

6. Principal Cash Management Fund

To provide investors with as high a level of income available from short-term investments as is considered consistent with preservation of capital and maintenance of liquidity, by investing in a portfolio of money market and investment grade debt instruments. The scheme will invest its assets in a portfolio of money market instruments. The investments will be in securities, which the Investment Manager believes present minimal liquidity and/or credit risks.

Principal Cash Management Fund is a Debt - Liquid Fund fund was launched on 30 Aug 04. It is a fund with Low risk and has given a CAGR/Annualized return of 6.4% since its launch.  Ranked 5 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 3.8% .

Below is the key information for Principal Cash Management Fund

Principal Cash Management Fund
Growth
Launch Date 30 Aug 04
NAV (01 Feb 23) ₹1,949.97 ↑ 0.45   (0.02 %)
Net Assets (Cr) ₹3,153 on 31 Dec 22
Category Debt - Liquid Fund
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Low
Expense Ratio 0.2
Sharpe Ratio -1.12
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,000
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 1 Month 11 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹9,821
31 Jan 20₹10,409
31 Jan 21₹10,783
31 Jan 22₹11,130
31 Jan 23₹11,696

Principal Cash Management Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹191,330.
Net Profit of ₹11,330
Invest Now

Returns for Principal Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3%
1 Year 5.1%
3 Year 4%
5 Year 3.2%
10 Year
15 Year
Since launch 6.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.2%
2020 3.8%
2019 6.2%
2018 -1.8%
2017 6.8%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.2%
Fund Manager information for Principal Cash Management Fund
NameSinceTenure
Dwijendra Srivastava1 Jan 221 Yr.
Sandeep Agarwal16 May 220.63 Yr.

Data below for Principal Cash Management Fund as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent67.35%
Corporate16.33%
Government13.62%
Credit Quality
RatingValue
AA2.11%
AAA97.89%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
18%₹664 Cr
91 DTB 19012023
Sovereign Bonds | -
5%₹200 Cr20,000,000
↑ 20,000,000
Axis Bank Limited
Certificate of Deposit | -
4%₹149 Cr3,000
Dbs Bank Ltd - 15/03/2023**
Certificate of Deposit | -
4%₹138 Cr2,800
↑ 2,800
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
3%₹99 Cr2,000
Birla Group Holdings Private Limited
Commercial Paper | -
3%₹99 Cr2,000
Julius Baer Capital (India) Private Limited
Commercial Paper | -
3%₹99 Cr2,000
ICICI Home Finance Company Limited
Commercial Paper | -
3%₹99 Cr2,000
Redington Ltd.
Commercial Paper | -
3%₹99 Cr2,000
↑ 2,000
India (Republic of)
- | -
3%₹99 Cr10,000,000
↑ 10,000,000

7. JM Liquid Fund

(Erstwhile JM High Liquidity Fund)

To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments.

JM Liquid Fund is a Debt - Liquid Fund fund was launched on 31 Dec 97. It is a fund with Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 3 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4% .

Below is the key information for JM Liquid Fund

JM Liquid Fund
Growth
Launch Date 31 Dec 97
NAV (01 Feb 23) ₹60.3703 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹1,923 on 15 Jan 23
Category Debt - Liquid Fund
AMC JM Financial Asset Management Limited
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio -1.42
Information Ratio -5.17
Alpha Ratio -0.23
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.64%
Effective Maturity 1 Month 5 Days
Modified Duration 1 Month 3 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,747
31 Jan 20₹11,434
31 Jan 21₹11,869
31 Jan 22₹12,265
31 Jan 23₹12,887

JM Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for JM Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3%
1 Year 5.1%
3 Year 4.1%
5 Year 5.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.3%
2020 4%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
Fund Manager information for JM Liquid Fund
NameSinceTenure
Shalini Tibrewala31 Dec 9725.02 Yr.
Naghma Khoja21 Oct 211.2 Yr.

Data below for JM Liquid Fund as on 15 Jan 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent53.91%
Corporate26.41%
Government19.68%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps-Triparty Repo
CBLO/Reverse Repo | -
17%₹373 Cr00
Punjab National Bank
Certificate of Deposit | -
5%₹100 Cr2,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
5%₹99 Cr2,000
↑ 2,000
182 DTB 23022023
Sovereign Bonds | -
4%₹79 Cr8,000,000
↑ 5,000,000
Birla Group Holdings Private Limited
Commercial Paper | -
3%₹74 Cr1,500
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
3%₹65 Cr1,300
↑ 1,300
Small Industries Development Bank Of India
Certificate of Deposit | -
3%₹64 Cr1,300
↑ 300
National Bank For Agriculture And Rural Development
Certificate of Deposit | -
3%₹60 Cr1,200
↑ 200
7.10% Govt Stock 2029
Sovereign Bonds | -
3%₹59 Cr5,940,800
National Bank For Agriculture And Rural Development
Debentures | -
2%₹50 Cr500
↑ 500

8. IDFC Cash Fund

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 CAGR/Annualized return of 6.9% since its launch.  Ranked 26 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4% .

Below is the key information for IDFC Cash Fund

IDFC Cash Fund
Growth
Launch Date 4 Jun 08
NAV (01 Feb 23) ₹2,670.8 ↑ 0.53   (0.02 %)
Net Assets (Cr) ₹11,163 on 31 Dec 22
Category Debt - Liquid Fund
AMC IDFC Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio -1.43
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.6%
Effective Maturity 26 Days
Modified Duration 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,735
31 Jan 20₹11,396
31 Jan 21₹11,836
31 Jan 22₹12,225
31 Jan 23₹12,844

IDFC Cash Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDFC Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3%
1 Year 5.1%
3 Year 4.1%
5 Year 5.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.2%
2020 4%
2019 6.3%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
2014 9.1%
2013 9.2%
Fund Manager information for IDFC Cash Fund
NameSinceTenure
Harshal Joshi15 Sep 157.3 Yr.
Brijesh Shah1 Dec 211.08 Yr.

Data below for IDFC Cash Fund as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent68.41%
Corporate18.23%
Government13.37%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Triparty Repo
CBLO/Reverse Repo | -
20%₹2,219 Cr
National Bank For Agriculture And Rural Development
Debentures | -
9%₹996 Cr99,500,000
HDFC Bank Limited
Certificate of Deposit | -
5%₹504 Cr50,500,000
Hindustan Petroleum Corporation Limited
Commercial Paper | -
4%₹499 Cr50,000,000
Union Bank Of India
Certificate of Deposit | -
4%₹498 Cr50,000,000
↑ 50,000,000
Tata Capital Financial Services Limited
Commercial Paper | -
4%₹398 Cr40,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
4%₹397 Cr40,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
3%₹348 Cr35,000,000
↑ 35,000,000
Bank Of Baroda
Certificate of Deposit | -
3%₹348 Cr35,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
3%₹298 Cr30,000,000

9. Nippon India Liquid Fund 

(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 CAGR/Annualized return of 6.8% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4.3% .

Below is the key information for Nippon India Liquid Fund 

Nippon India Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (01 Feb 23) ₹5,393.14 ↑ 1.14   (0.02 %)
Net Assets (Cr) ₹25,438 on 31 Dec 22
Category Debt - Liquid Fund
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.32
Sharpe Ratio -1.39
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.58%
Effective Maturity 1 Month 16 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 18₹10,000
31 Jan 19₹10,751
31 Jan 20₹11,450
31 Jan 21₹11,914
31 Jan 22₹12,305
31 Jan 23₹12,923

Nippon India Liquid Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Liquid Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Feb 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3%
1 Year 5%
3 Year 4.1%
5 Year 5.3%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2013 9.2%
Fund Manager information for Nippon India Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 139.25 Yr.
Siddharth Deb1 Mar 220.84 Yr.
Kinjal Desai25 May 184.61 Yr.
Akshay Sharma1 Dec 220.08 Yr.

Data below for Nippon India Liquid Fund  as on 31 Dec 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent74.11%
Government17.23%
Corporate8.66%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 16022023
Sovereign Bonds | -
6%₹1,766 Cr177,500,000
↓ -7,500,000
91 DTB 16032023
Sovereign Bonds | -
6%₹1,658 Cr167,500,000
Hindustan Zinc Limited
Commercial Paper | -
4%₹1,198 Cr24,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹1,191 Cr24,000
Reverse Repo
CBLO/Reverse Repo | -
3%₹988 Cr
91 DTB 09022023
Sovereign Bonds | -
3%₹981 Cr98,500,000
↓ -4,500,000
182 DTB 02022023
Sovereign Bonds | -
3%₹803 Cr80,500,000
↓ -9,500,000
Reliance Retail Ventures Limited
Commercial Paper | -
3%₹749 Cr15,000
91 DTB 02022023
Sovereign Bonds | -
2%₹598 Cr60,000,000
↓ -15,000,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹550 Cr11,000
↑ 1,000

How to Invest in Mutual Fund SIP Online?

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  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

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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.

Disclaimer:
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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