+91-22-489139099 Best SIP Plans for 1 Year Investment 2026
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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Fund Selection Methodology used to find 9 funds
Best SIP Plans for 1 Year Investment in FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 6.66% 1M 7D 1M 10D BOI AXA Liquid Fund Growth ₹3,262.06
↑ 0.74 ₹1,874 1,000 1.5 3.2 6.4 6.9 6.6 6.09% 1M 17D 1M 17D IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 ₹146 500 1.6 3.4 6.4 4.8 6.83% 2M 10D 2M 23D Indiabulls Liquid Fund Growth ₹2,737.58
↑ 0.57 ₹301 500 1.5 3.2 6.4 6.8 6.6 6.4% 1M 18D 1M 18D LIC MF Liquid Fund Growth ₹5,114.64
↑ 1.17 ₹12,872 1,000 1.5 3.1 6.4 6.8 6.4 6.68% 1M 23D 1M 23D Nippon India Liquid Fund Growth ₹6,905.45
↑ 1.59 ₹40,490 100 1.5 3.1 6.4 6.8 6.5 0.06% Tata Liquid Fund Growth ₹4,456.36
↑ 0.98 ₹28,037 500 1.5 3.1 6.3 6.8 6.5 6.19% 1M 7D 1M 7D ICICI Prudential Liquid Fund Growth ₹418.736
↑ 0.10 ₹55,340 99 1.5 3.1 6.3 6.8 6.5 6.39% 1M 20D 1M 24D Baroda Pioneer Liquid Fund Growth ₹3,251.71
↑ 0.82 ₹12,914 500 1.5 3.1 6.3 6.7 6.4 6.16% 1M 3D 1M 3D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23 Research Highlights & Commentary of 9 Funds showcased
Commentary IDBI Liquid Fund BOI AXA Liquid Fund IDBI Ultra Short Term Fund Indiabulls Liquid Fund LIC MF Liquid Fund Nippon India Liquid Fund Tata Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund Point 1 Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹1,874 Cr). Bottom quartile AUM (₹146 Cr). Bottom quartile AUM (₹301 Cr). Lower mid AUM (₹12,872 Cr). Top quartile AUM (₹40,490 Cr). Upper mid AUM (₹28,037 Cr). Highest AUM (₹55,340 Cr). Upper mid AUM (₹12,914 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (15+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (17+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 1★ (bottom quartile). Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.44% (top quartile). 1Y return: 6.39% (upper mid). 1Y return: 6.38% (upper mid). 1Y return: 6.35% (lower mid). 1Y return: 6.35% (lower mid). 1Y return: 6.34% (bottom quartile). 1Y return: 6.32% (bottom quartile). 1Y return: 6.32% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.52% (top quartile). 1M return: 0.47% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.43% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.44% (lower mid). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.52 (top quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 3.19 (top quartile). Sharpe: 2.86 (bottom quartile). Sharpe: 2.86 (lower mid). Sharpe: 3.11 (upper mid). Sharpe: 2.88 (lower mid). Sharpe: 3.06 (upper mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 2.55 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 1.47 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 1.20 (upper mid). Information ratio: 0.75 (upper mid). Point 9 Yield to maturity (debt): 6.66% (upper mid). Yield to maturity (debt): 6.09% (bottom quartile). Yield to maturity (debt): 6.83% (top quartile). Yield to maturity (debt): 6.40% (upper mid). Yield to maturity (debt): 6.68% (top quartile). Yield to maturity (debt): 0.06% (bottom quartile). Yield to maturity (debt): 6.19% (lower mid). Yield to maturity (debt): 6.39% (lower mid). Yield to maturity (debt): 6.16% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.15 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
IDBI Ultra Short Term Fund
Indiabulls Liquid Fund
LIC MF Liquid Fund
Nippon India Liquid Fund
Tata Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer 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. Below is the key information for IDBI Liquid Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for BOI AXA Liquid Fund Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on 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. Research Highlights for IDBI Ultra Short Term Fund Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on 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. Research Highlights for LIC MF Liquid Fund Below is the key information for LIC MF 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. Research Highlights for Nippon India Liquid Fund Below is the key information for Nippon India Liquid 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. Research Highlights for Tata Liquid Fund Below is the key information for Tata Liquid 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. Research Highlights for ICICI Prudential Liquid Fund Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities. Research Highlights for Baroda Pioneer Liquid Fund Below is the key information for Baroda Pioneer Liquid Fund Returns up to 1 year are on 1. IDBI Liquid Fund
IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (28 Jul 23) ₹2,454.04 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹503 on 30 Jun 23 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.2 Information Ratio -5.96 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.6% 3 Year 4.5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Data below for IDBI Liquid Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (30 Oct 26) ₹3,262.06 ↑ 0.74 (0.02 %) Net Assets (Cr) ₹1,874 on 30 Sep 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.52 Information Ratio 2.55 Alpha Ratio 0.11 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.09% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,415 30 Sep 23 ₹11,134 30 Sep 24 ₹11,963 30 Sep 25 ₹12,784 30 Sep 26 ₹13,609 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.2% 1 Year 6.4% 3 Year 6.9% 5 Year 6.4% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 5.13 Yr. Data below for BOI AXA Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.7% Other 0.3% Debt Sector Allocation
Sector Value Cash Equivalent 45.61% Corporate 36.47% Government 17.61% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Certificate of Deposit | -6% ₹149 Cr 15,000,000 Repo
CBLO/Reverse Repo | -6% ₹149 Cr Small Industries Development Bank Of India
Certificate of Deposit | -4% ₹100 Cr 10,000,000 Axis Bank Limited
Certificate of Deposit | -4% ₹99 Cr 10,000,000 Union Bank Of India
Certificate of Deposit | -3% ₹75 Cr 7,500,000
↑ 7,500,000 India (Republic of)
- | -3% ₹75 Cr 7,500,000 26/11/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹75 Cr 7,500,000 Aditya Birla Housing Finance Ltd.
Commercial Paper | -3% ₹75 Cr 7,500,000 Canara Bank
Domestic Bonds | -3% ₹74 Cr 7,500,000 Indian Bank
Certificate of Deposit | -3% ₹74 Cr 7,500,000 3. IDBI Ultra Short Term Fund
IDBI Ultra Short Term Fund
Growth Launch Date 3 Sep 10 NAV (28 Jul 23) ₹2,424.68 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹146 on 30 Jun 23 Category Debt - Ultrashort Bond AMC IDBI Asset Management Limited Rating ☆ Risk Moderately Low Expense Ratio 0.6 Sharpe Ratio -0.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.83% Effective Maturity 2 Months 23 Days Modified Duration 2 Months 10 Days Growth of 10,000 investment over the years.
Date Value Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 4.8% 5 Year 5.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Ultra Short Term Fund
Name Since Tenure Data below for IDBI Ultra Short Term Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (30 Oct 26) ₹2,737.58 ↑ 0.57 (0.02 %) Net Assets (Cr) ₹301 on 30 Sep 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 3.19 Information Ratio 1.47 Alpha Ratio 0.03 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.4% Effective Maturity 1 Month 18 Days Modified Duration 1 Month 18 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,380 30 Sep 23 ₹11,061 30 Sep 24 ₹11,874 30 Sep 25 ₹12,687 30 Sep 26 ₹13,497 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.2% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 3.39 Yr. Wilfred Gonsalves 4 May 26 0.41 Yr. Data below for Indiabulls Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.75% Debt 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 72.47% Corporate 27.53% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo 16-Oct-26
CBLO/Reverse Repo | -20% ₹66 Cr Indian Bank
Certificate of Deposit | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Ntpc Limited
Commercial Paper | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Union Bank Of India
Certificate of Deposit | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Small Industries Development Bank Of India
Certificate of Deposit | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Bajaj Financial Securities Limited
Commercial Paper | -8% ₹25 Cr 2,500,000
↑ 2,500,000 HDFC Securities Limited
Debentures | -8% ₹25 Cr 2,500,000 Bank Of Baroda
Certificate of Deposit | -8% ₹25 Cr 2,500,000 Export-Import Bank Of India
Commercial Paper | -7% ₹24 Cr 2,400,000 Reliance Retail Ventures Ltd 11-Dec-2026**
Net Current Assets | -6% ₹20 Cr 2,000,000 5. LIC MF Liquid Fund
LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (30 Oct 26) ₹5,114.64 ↑ 1.17 (0.02 %) Net Assets (Cr) ₹12,872 on 30 Sep 26 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.68% Effective Maturity 1 Month 23 Days Modified Duration 1 Month 23 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,395 30 Sep 23 ₹11,100 30 Sep 24 ₹11,922 30 Sep 25 ₹12,723 30 Sep 26 ₹13,533 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.4% 2024 7.4% 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 11 Yr. Aakash Dhulia 1 Sep 25 1.08 Yr. Data below for LIC MF Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 85.94% Government 7.78% Corporate 6.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -14% ₹2,448 Cr Bank of Baroda
Debentures | -4% ₹741 Cr 15,000
↑ 15,000 India (Republic of)
- | -3% ₹574 Cr 57,500,000 Power Finance Corp Ltd.
Commercial Paper | -3% ₹547 Cr 11,000
↑ 1,000 Reverse Repo
CBLO/Reverse Repo | -3% ₹546 Cr Motilal Oswal Financial Services Ltd. **
Net Current Assets | -3% ₹499 Cr 10,000 Grasim Industries Ltd. **
Net Current Assets | -3% ₹497 Cr 10,000 Bank Of India
Certificate of Deposit | -3% ₹495 Cr 10,000
↑ 10,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹421 Cr 8,500
↑ 500 Reliance Retail Ventures Ltd. **
Net Current Assets | -2% ₹398 Cr 8,000 6. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (30 Oct 26) ₹6,905.45 ↑ 1.59 (0.02 %) Net Assets (Cr) ₹40,490 on 30 Sep 26 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 2.86 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 0.06% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,400 30 Sep 23 ₹11,109 30 Sep 24 ₹11,923 30 Sep 25 ₹12,732 30 Sep 26 ₹13,544 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 8.36 Yr. Vikash Agarwal 14 Sep 24 2.05 Yr. Amber Singhania 11 Mar 26 0.56 Yr. Data below for Nippon India Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 96.94% Debt 2.88% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 86.3% Government 8.11% Corporate 5.41% Credit Quality
Rating Value AA 0.6% AAA 99.4% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -5% ₹3,023 Cr Triparty Repo
CBLO/Reverse Repo | -4% ₹1,933 Cr Canara Bank
Certificate of Deposit | -3% ₹1,495 Cr 30,000
↑ 30,000 Hdfc Bank Limited**
Net Current Assets | -2% ₹1,237 Cr 25,000 91 Days Tbill
Sovereign Bonds | -2% ₹1,183 Cr 120,000,000
↑ 120,000,000 Tata Steel Limited**
Net Current Assets | -2% ₹992 Cr 20,000
↑ 20,000 Small Industries Development Bank of India
Commercial Paper | -2% ₹992 Cr 20,000 India (Republic of)
- | -2% ₹929 Cr 93,000,000
↓ -24,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹847 Cr 17,000 Union Bank Of India
Certificate of Deposit | -1% ₹822 Cr 16,500
↑ 16,500 7. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (30 Oct 26) ₹4,456.36 ↑ 0.98 (0.02 %) Net Assets (Cr) ₹28,037 on 30 Sep 26 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 3.11 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.19% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,400 30 Sep 23 ₹11,106 30 Sep 24 ₹11,920 30 Sep 25 ₹12,733 30 Sep 26 ₹13,543 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.3% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Tata Liquid Fund
Name Since Tenure Harsh Dave 1 Aug 24 2.17 Yr. Dhawal Joshi 1 Jun 26 0.33 Yr. Data below for Tata Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 78.81% Government 14.05% Corporate 6.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹1,055 Cr 106,000,000 Union Bank Of India
Certificate of Deposit | -3% ₹996 Cr 20,000
↑ 20,000 ** Treasury Bill 91 Days (31/12/2026)
Sovereign Bonds | -3% ₹949 Cr 96,000,000
↑ 96,000,000 Central Bank Of India
Certificate of Deposit | -3% ₹947 Cr 19,000 ** Treasury Bill 91 Days (10/12/2026)
Sovereign Bonds | -2% ₹818 Cr 82,500,000
↑ 82,500,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹773 Cr 15,500 ** - Reliance Industries Ltd - Cp - 09/12/2026
Net Current Assets | -2% ₹768 Cr 15,500 YES Bank Ltd.
Debentures | -2% ₹746 Cr 15,000 HDFC Securities Limited
Commercial Paper | -2% ₹745 Cr 15,000 Canara Bank
Certificate of Deposit | -2% ₹744 Cr 15,000
↑ 15,000 8. ICICI Prudential Liquid Fund
ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (30 Oct 26) ₹418.736 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹55,340 on 30 Sep 26 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.3 Sharpe Ratio 2.88 Information Ratio 1.2 Alpha Ratio -0.05 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 6.39% Effective Maturity 1 Month 24 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,399 30 Sep 23 ₹11,108 30 Sep 24 ₹11,927 30 Sep 25 ₹12,736 30 Sep 26 ₹13,543 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.3% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.4% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 2.84 Yr. Darshil Dedhia 12 Jun 23 3.31 Yr. Data below for ICICI Prudential Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 93.7% Debt 6.07% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 78.92% Government 13.82% Corporate 7.03% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 Days Treasury Bills
Sovereign Bonds | -5% ₹3,754 Cr 378,500,000 Treps
CBLO/Reverse Repo | -5% ₹3,337 Cr India (Republic of)
- | -3% ₹2,294 Cr 230,819,600 Nabard **
Net Current Assets | -3% ₹1,980 Cr 40,000 Reverse Repo
CBLO/Reverse Repo | -3% ₹1,948 Cr HDFC Bank Limited
Certificate of Deposit | -2% ₹1,487 Cr 30,000
↑ 30,000 Reliance Retail Ventures Ltd **
Net Current Assets | -2% ₹1,385 Cr 28,000
↑ 28,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹1,247 Cr 25,000 Reliance Retail Ventures Ltd **
Net Current Assets | -2% ₹1,194 Cr 24,000 India (Republic of)
- | -2% ₹1,074 Cr 107,500,000
↓ -26,500,000 9. Baroda Pioneer Liquid Fund
Baroda Pioneer Liquid Fund
Growth Launch Date 5 Feb 09 NAV (30 Oct 26) ₹3,251.71 ↑ 0.82 (0.03 %) Net Assets (Cr) ₹12,914 on 30 Sep 26 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.28 Sharpe Ratio 3.06 Information Ratio 0.75 Alpha Ratio -0.01 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.16% Effective Maturity 1 Month 3 Days Modified Duration 1 Month 3 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,411 30 Sep 23 ₹11,128 30 Sep 24 ₹11,940 30 Sep 25 ₹12,743 30 Sep 26 ₹13,550 Returns for Baroda Pioneer Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.3% 3 Year 6.7% 5 Year 6.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.4% 2024 7.3% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.6% 2018 7.5% 2017 6.7% 2016 7.8% Fund Manager information for Baroda Pioneer Liquid Fund
Name Since Tenure Prashant Pimple 16 Sep 26 0.04 Yr. Vikram Pamnani 14 Mar 22 4.55 Yr. Data below for Baroda Pioneer Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 93.01% Debt 6.78% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 64.93% Corporate 19.74% Government 15.12% Credit Quality
Rating Value AA 1.42% AAA 98.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -6% ₹1,000 Cr Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -6% ₹999 Cr Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -5% ₹845 Cr Net Receivables / (Payables)
Net Current Assets | -3% -₹563 Cr Bank Of India
Certificate of Deposit | -3% ₹495 Cr 10,000
↑ 10,000 Kotak Mahindra Bank Limited
Certificate of Deposit | -3% ₹470 Cr 9,500 India (Republic of)
- | -3% ₹458 Cr 46,000,000 India (Republic of)
- | -2% ₹400 Cr 40,000,000
↑ 40,000,000 Axis Bank Ltd.
Debentures | -2% ₹396 Cr 8,000
↑ 2,000 Union Bank of India
Debentures | -2% ₹323 Cr 6,500
↑ 500
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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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