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Fincash » Mutual Funds » Best SIP Plans for a Year

9 Best SIP Plans for 1 Year Investment 2021

Updated on July 25, 2021 , 70334 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 21 - 22

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2020 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Nippon India Ultra Short Duration Fund Growth ₹3,196.95
↑ 1.07
₹1,238 100 4.65.99.55.14.95.32%5M 5D6M 27D
ICICI Prudential Ultra Short Term Fund Growth ₹21.8671
↑ 0.00
₹10,338 1,000 12.24.86.96.54.72%4M 24D6M
Aditya Birla Sun Life Savings Fund Growth ₹428.813
↑ 0.10
₹18,789 1,000 1.12.24.67.174.35%6M 7D6M 14D
Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84
₹18 500 0.81.54.26.2 3.23%1D1D
IDBI Ultra Short Term Fund Growth ₹2,190.71
↑ 0.21
₹389 500 0.81.645.75.10%
UTI Ultra Short Term Fund Growth ₹3,294.65
↑ 0.57
₹2,106 2,500 0.81.73.84.55.34.16%5M 9D6M 4D
Kotak Savings Fund Growth ₹34.1049
↑ 0.00
₹10,545 1,000 0.91.83.66.35.83.96%5M 5D5M 23D
IDBI Liquid Fund Growth ₹2,220.34
↑ 0.21
₹1,223 500 0.81.73.45.54.50%
BOI AXA Ultra Short Duration Fund Growth ₹2,547.64
↑ 0.23
₹315 1,000 0.81.73.35.94.93.55%3M 18D3M 25D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jul 21

1. Nippon India Ultra Short Duration Fund

(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 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% .

Below is the key information for Nippon India Ultra Short Duration Fund

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.

DateValue
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

Nippon India Ultra Short Duration 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Vivek Sharma1 Oct 137.75 Yr.
Kinjal Desai25 May 183.1 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash38.2%
Debt61.8%
Debt Sector Allocation
SectorValue
Corporate41.4%
Cash Equivalent34.26%
Government20.3%
Securitized4.04%
Credit Quality
RatingValue
A3.46%
AA24.67%
AAA71.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.35% Govt Stock 2022
Sovereign Bonds | -
8%₹104 Cr10,000,000
↑ 10,000,000
182 DTB 02122021
Sovereign Bonds | -
8%₹98 Cr10,000,000
↑ 10,000,000
Piramal Capital & Housing Finance Limited
Debentures | -
4%₹55 Cr675
↑ 675
Mobil Trust Series 19
Unlisted bonds | -
4%₹50 Cr500,000,000
↑ 500,000,000
182 DTB 25112021
Sovereign Bonds | -
4%₹49 Cr5,000,000
↑ 5,000,000
India Grid Trust
Debentures | -
4%₹48 Cr400
↑ 400
Shriram Transport Finance Company Limited
Debentures | -
4%₹45 Cr450
↑ 450
Bajaj Housing Finance Limited
Debentures | -
3%₹41 Cr400
↑ 400
Indinfravit Trust
Debentures | -
3%₹40 Cr400
↑ 400
Ahmedabad-Maliya Tollway Limited
Debentures | -
3%₹38 Cr380
↑ 380

2. ICICI Prudential Ultra Short Term Fund

(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 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% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

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.

DateValue
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

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Banthia15 Nov 164.62 Yr.
Ritesh Lunawat15 Jun 174.04 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash49.41%
Debt50.59%
Debt Sector Allocation
SectorValue
Corporate42.93%
Cash Equivalent42.47%
Government14.6%
Credit Quality
RatingValue
A2.29%
AA31.49%
AAA66.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 19082021
Sovereign Bonds | -
6%₹622 Cr62,500,000
↑ 62,500,000
182 DTB 09122021
Sovereign Bonds | -
5%₹492 Cr50,000,000
↑ 50,000,000
182 DTB 16122021
Sovereign Bonds | -
5%₹492 Cr50,000,000
↑ 50,000,000
Embassy Office Parks Reit
Debentures | -
3%₹356 Cr2,887
↑ 2,887
182 DTB 23122021
Sovereign Bonds | -
3%₹295 Cr30,000,000
↑ 30,000,000
Talwandi Sabo Power Limited
Debentures | -
2%₹237 Cr2,362
↑ 2,362
The Tata Power Company Limited
Debentures | -
2%₹221 Cr2,084
↑ 2,084
Housing Development Finance Corporation Limited
Debentures | -
2%₹215 Cr2,130
↑ 2,130
Reliance Ports and Terminals Limited
Debentures | -
2%₹204 Cr2,019
↑ 2,019
Manappuram Finance Limited
Debentures | -
2%₹203 Cr2,000
↑ 2,000

3. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

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 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% .

Below is the key information for Aditya Birla Sun Life Savings Fund

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.

DateValue
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

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Sunaina Cunha11 Oct 146.72 Yr.
Kaustubh Gupta15 Jul 119.97 Yr.
Monika Gandhi22 Mar 210.27 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash42.1%
Debt57.9%
Debt Sector Allocation
SectorValue
Corporate45.27%
Cash Equivalent28.71%
Government26.02%
Credit Quality
RatingValue
AA11.84%
AAA88.16%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
12%₹2,169 Cr213,100,000
↑ 213,100,000
Reliance Industries Limited
Debentures | -
4%₹761 Cr7,401
↑ 7,401
8.83% Govt Stock 2023
Sovereign Bonds | -
3%₹522 Cr48,000,000
↑ 48,000,000
Citicorp Finance (India) Limited
Debentures | -
3%₹501 Cr5,000
↑ 5,000
REC Limited
Debentures | -
2%₹328 Cr3,200
↑ 3,200
Rural Electrification Corporation Limited
Debentures | -
2%₹319 Cr3,150
↑ 3,150
Shriram Transport Finance Company Limited
Debentures | -
1%₹276 Cr2,750
↑ 2,750
8.21% HR SDL Spl 2023
Domestic Bonds | -
1%₹243 Cr23,000,000
↑ 23,000,000
Muthoot Finance Limited
Debentures | -
1%₹240 Cr2,350
↑ 2,350
Rural Electrification Corporation Limited
Debentures | -
1%₹227 Cr2,250
↑ 2,250

4. Indiabulls Ultra Short Term Fund

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 CAGR/Annualized return of 7.9% since its launch.  Ranked 17 in Ultrashort Bond category. .

Below is the key information for Indiabulls Ultra Short Term Fund

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.

DateValue
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

Indiabulls Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Indiabulls Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
Fund Manager information for Indiabulls Ultra Short Term Fund
NameSinceTenure

Data below for Indiabulls Ultra Short Term Fund as on 28 Feb 21

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

5. IDBI Ultra Short Term Fund

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 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% .

Below is the key information for IDBI Ultra Short Term Fund

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.

DateValue
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

IDBI Ultra Short Term 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 Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Bhupesh Kalyani1 Feb 174.41 Yr.

Data below for IDBI Ultra Short Term Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash40.83%
Debt59.17%
Debt Sector Allocation
SectorValue
Government56.84%
Cash Equivalent40.83%
Corporate2.33%
Credit Quality
RatingValue
AA2.95%
AAA97.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 09122021
Sovereign Bonds | -
25%₹98 Cr10,000,000
↑ 10,000,000
182 DTB 12112021
Sovereign Bonds | -
13%₹49 Cr5,000,000
↑ 5,000,000
182 DTB 25112021
Sovereign Bonds | -
6%₹25 Cr2,500,000
↑ 2,500,000
182 DTB 23122021
Sovereign Bonds | -
6%₹25 Cr2,500,000
↑ 2,500,000
182 DTB 16122021
Sovereign Bonds | -
5%₹20 Cr2,000,000
↑ 2,000,000
Punjab National Bank
Debentures | -
1%₹5 Cr450,000
↑ 450,000
The Tata Power Company Limited
Debentures | -
1%₹2 Cr200,000
↑ 200,000
Chennai Petroleum Corporation Limited
Debentures | -
1%₹2 Cr200,000
↑ 200,000
REC Limited
Debentures | -
1%₹2 Cr200,000
↑ 200,000
JSW Steel Limited
Debentures | -
0%₹2 Cr150,000
↑ 150,000

6. UTI Ultra Short Term Fund

(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 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% .

Below is the key information for UTI Ultra Short Term Fund

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.

DateValue
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

UTI Ultra Short Term 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 UTI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Sudhir Agarwal1 Jul 156 Yr.
Ritesh Nambiar1 Jul 156 Yr.

Data below for UTI Ultra Short Term Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash56.11%
Debt43.89%
Debt Sector Allocation
SectorValue
Corporate40.41%
Cash Equivalent39.61%
Government19.99%
Credit Quality
RatingValue
A3.21%
AA13.9%
AAA82.89%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 15072021
Sovereign Bonds | -
9%₹200 Cr2,000,000,000
↑ 2,000,000,000
8.20% Govt Stock 2022
Sovereign Bonds | -
6%₹118 Cr1,150,000,000
↑ 1,150,000,000
182 DTB 02122021
Sovereign Bonds | -
5%₹98 Cr1,000,000,000
↑ 1,000,000,000
6.17% Govt Stock 2021
Sovereign Bonds | -
5%₹95 Cr950,000,000
↑ 950,000,000
Hindalco Industries Limited
Debentures | -
4%₹78 Cr750
↑ 750
Avanse Financial Services Limited
Debentures | -
3%₹65 Cr650
↑ 650
Reliance Industries Limited
Debentures | -
2%₹51 Cr500
↑ 500
Housing Development Finance Corporation Limited
Debentures | -
2%₹51 Cr500
↑ 500
Power Finance Corporation Limited
Debentures | -
2%₹50 Cr500
↑ 500
91 DTB 26082021
Sovereign Bonds | -
2%₹50 Cr500,000,000
↑ 500,000,000

7. Kotak Savings Fund

(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 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% .

Below is the key information for Kotak Savings Fund

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.

DateValue
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

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Kotak Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Deepak Agrawal15 Apr 0813.22 Yr.

Data below for Kotak Savings Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash29.57%
Debt70.43%
Debt Sector Allocation
SectorValue
Government48.43%
Corporate39.07%
Cash Equivalent12.51%
Credit Quality
RatingValue
AA8.15%
AAA91.85%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
23%₹2,405 Cr236,269,250
↑ 236,269,250
182 DTB 09122021
Sovereign Bonds | -
8%₹886 Cr90,000,000
↑ 90,000,000
Housing Development Finance Corporation Limited
Debentures | -
5%₹525 Cr5,200
↑ 5,200
182 DTB 23122021
Sovereign Bonds | -
5%₹491 Cr50,000,000
↑ 50,000,000
182 DTB 02122021
Sovereign Bonds | -
4%₹443 Cr45,000,000
↑ 45,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹351 Cr3,500
↑ 3,500
08.11 CG SDL 2021
Sovereign Bonds | -
2%₹254 Cr25,000,000
↑ 25,000,000
Bharti Telecom Limited
Debentures | -
2%₹205 Cr2,000
↑ 2,000
Muthoot Finance Limited
Debentures | -
2%₹204 Cr2,000,000
↑ 2,000,000
Cholamandalam Investment and Fin. Co. Limited
Debentures | -
2%₹202 Cr2,000
↑ 2,000

8. 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 7.5% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2020 was 4.5% , 2019 was 6.6% and 2018 was 7.5% .

Below is the key information for IDBI Liquid Fund

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.

DateValue
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

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 ₹200,132.
Net Profit of ₹20,132
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 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Raju Sharma3 May 174.16 Yr.

Data below for IDBI Liquid Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash79.73%
Debt20.27%
Debt Sector Allocation
SectorValue
Cash Equivalent73.64%
Government20.27%
Corporate6.08%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 30092021
Sovereign Bonds | -
20%₹248 Cr25,000,000
↑ 25,000,000
91 DTB 23092021
Sovereign Bonds | -
14%₹169 Cr17,000,000
↑ 17,000,000
91 DTB 05082021
Sovereign Bonds | -
4%₹50 Cr5,000,000
↑ 5,000,000
91 DTB 09092021
Sovereign Bonds | -
4%₹50 Cr5,000,000
↑ 5,000,000
91 DTB 26082021
Sovereign Bonds | -
3%₹41 Cr4,088,500
↑ 4,088,500
91 DTB 13082021
Sovereign Bonds | -
2%₹25 Cr2,500,000
↑ 2,500,000
91 DTB 16092021
Sovereign Bonds | -
2%₹25 Cr2,500,000
↑ 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 Cr7,500,000
↑ 7,500,000

9. BOI AXA Ultra Short Duration Fund

(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 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% .

Below is the key information for BOI AXA Ultra Short Duration Fund

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.

DateValue
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

BOI AXA Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for BOI AXA Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jul 21

DurationReturns
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
YearReturns
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
NameSinceTenure
Alok Singh30 Jun 210 Yr.

Data below for BOI AXA Ultra Short Duration Fund as on 30 Jun 21

Asset Allocation
Asset ClassValue
Cash69.1%
Debt30.9%
Debt Sector Allocation
SectorValue
Cash Equivalent61.28%
Corporate23.17%
Government15.55%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Grid Corporation of India Limited
Debentures | -
8%₹25 Cr2,500,000
↑ 2,500,000
Housing Development Finance Corporation Limited
Debentures | -
8%₹25 Cr2,500,000
↑ 2,500,000
91 DTB 22072021
Sovereign Bonds | -
8%₹25 Cr2,500,000
↑ 2,500,000
National Highways Authority of India
Debentures | -
7%₹24 Cr2,300,000
↑ 2,300,000
Power Finance Corporation Limited
Debentures | -
6%₹20 Cr2,000,000
↑ 2,000,000
91 DTB 29072021
Sovereign Bonds | -
5%₹15 Cr1,500,000
↑ 1,500,000
REC Limited
Debentures | -
4%₹13 Cr1,250,000
↑ 1,250,000
Rural Electrification Corporation Limited
Debentures | -
3%₹10 Cr1,000,000
↑ 1,000,000
Treps
CBLO/Reverse Repo | -
16%₹49 Cr
Reliance Industries Limited
Commercial Paper | -
8%₹25 Cr2,500,000
↑ 2,500,000

How to Invest in Mutual Fund SIP Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  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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