fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

Fincash » Mutual Funds » Best SIP Plans for a Year

9 Best SIP Plans for 1 Year Investment 2021

Updated on October 21, 2021 , 83600 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.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

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 ₹3,224.47
↑ 0.21
₹2,872 100 0.95.68.14.84.94.89%5M 15D7M 8D
UTI Ultra Short Term Fund Growth ₹3,410.51
↓ -0.12
₹1,933 2,500 3.64.46.35.25.34.1%4M 22D5M 16D
IDBI Ultra Short Term Fund Growth ₹2,219.79
↑ 0.19
₹328 500 1.42.24.25.75.13.78%4M 12D5M 16D
Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84
₹18 500 0.81.54.26.2 3.23%1D1D
ICICI Prudential Ultra Short Term Fund Growth ₹22.0609
↑ 0.00
₹9,692 1,000 0.924.16.76.54.61%3M 22D4M 28D
Aditya Birla Sun Life Savings Fund Growth ₹432.545
↑ 0.03
₹17,747 1,000 0.92.14.16.870%
IDBI Liquid Fund Growth ₹2,237.94
↑ 0.21
₹1,078 500 0.81.73.35.14.53.54%1M 25D1M 25D
Kotak Savings Fund Growth ₹34.3501
↑ 0.00
₹12,698 1,000 0.81.63.365.83.94%4M 2D5M 26D
Mirae Asset Cash Management Fund Growth ₹2,182.99
↑ 0.18
₹3,840 1,000 0.81.63.34.94.23.51%1M 2D1M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Oct 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 (22 Oct 21) ₹3,224.47 ↑ 0.21   (0.01 %)
Net Assets (Cr) ₹2,872 on 30 Sep 21
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.09
Sharpe Ratio 1.86
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 4.89%
Effective Maturity 7 Months 8 Days
Modified Duration 5 Months 15 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,581
30 Sep 18₹11,264
30 Sep 19₹11,397
30 Sep 20₹11,989
30 Sep 21₹13,010

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 22 Oct 21

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 5.6%
1 Year 8.1%
3 Year 4.8%
5 Year 5.4%
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 137.92 Yr.
Kinjal Desai25 May 183.27 Yr.

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

Asset Allocation
Asset ClassValue
Cash60.6%
Debt39.4%
Debt Sector Allocation
SectorValue
Cash Equivalent56.38%
Corporate29.85%
Government13.77%
Credit Quality
RatingValue
A0.57%
AA17.02%
AAA82.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 02122021
Sovereign Bonds | -
5%₹194 Cr19,500,000
8.79% Govt Stock 2021
Sovereign Bonds | -
3%₹101 Cr10,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹100 Cr1,000
India Grid Trust
Debentures | -
2%₹81 Cr700
↑ 700
Telesonic Networks Limited
Debentures | -
2%₹75 Cr750
8.35% Govt Stock 2022
Sovereign Bonds | -
2%₹72 Cr7,000,000
8.75% Kerala SDL 2022
Sovereign Bonds | -
2%₹61 Cr5,950,000
Embassy Office Parks Reit
Debentures | -
2%₹58 Cr464
Shriram Transport Finance Company Limited
Debentures | -
2%₹56 Cr550
Piramal Capital & Housing Finance Limited
Debentures | -
2%₹55 Cr675

2. 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 7% 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 (22 Oct 21) ₹3,410.51 ↓ -0.12   (0.00 %)
Net Assets (Cr) ₹1,933 on 30 Sep 21
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 1.09
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,500
Exit Load NIL
Yield to Maturity 4.1%
Effective Maturity 5 Months 16 Days
Modified Duration 4 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,724
30 Sep 18₹11,391
30 Sep 19₹11,816
30 Sep 20₹12,494
30 Sep 21₹13,296

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 22 Oct 21

DurationReturns
1 Month 1.8%
3 Month 3.6%
6 Month 4.4%
1 Year 6.3%
3 Year 5.2%
5 Year 5.8%
10 Year
15 Year
Since launch 7%
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 156.18 Yr.
Ritesh Nambiar1 Jul 156.18 Yr.

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

Asset Allocation
Asset ClassValue
Cash57.56%
Debt42.44%
Debt Sector Allocation
SectorValue
Cash Equivalent53.17%
Corporate25.41%
Government21.42%
Credit Quality
RatingValue
AA13.94%
AAA86.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 23122021
Sovereign Bonds | -
6%₹129 Cr1,300,000,000
8.20% Govt Stock 2022
Sovereign Bonds | -
5%₹114 Cr1,115,000,000
182 DTB 12112021
Sovereign Bonds | -
4%₹99 Cr1,000,000,000
182 DTB 16122021
Sovereign Bonds | -
4%₹99 Cr1,000,000,000
182 DTB 25112021
Sovereign Bonds | -
3%₹75 Cr750,000,000
Hindalco Industries Limited
Debentures | -
3%₹67 Cr650
↓ -100
National Bank For Agriculture and Rural Development
Debentures | -
2%₹51 Cr500
↑ 500
Reliance Industries Limited
Debentures | -
2%₹51 Cr500
Housing Development Finance Corporation Limited
Debentures | -
2%₹50 Cr500
182 DTB 14102021
Sovereign Bonds | -
2%₹50 Cr500,000,000

3. 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 7.4% 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 (22 Oct 21) ₹2,219.79 ↑ 0.19   (0.01 %)
Net Assets (Cr) ₹328 on 30 Sep 21
Category Debt - Ultrashort Bond
AMC IDBI Asset Management Limited
Rating
Risk Moderately Low
Expense Ratio 0.64
Sharpe Ratio 1.43
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 3.78%
Effective Maturity 5 Months 16 Days
Modified Duration 4 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,615
30 Sep 18₹11,256
30 Sep 19₹12,079
30 Sep 20₹12,756
30 Sep 21₹13,311

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 22 Oct 21

DurationReturns
1 Month 0.8%
3 Month 1.4%
6 Month 2.2%
1 Year 4.2%
3 Year 5.7%
5 Year 5.8%
10 Year
15 Year
Since launch 7.4%
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 174.58 Yr.

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

Asset Allocation
Asset ClassValue
Cash95.64%
Debt4.36%
Debt Sector Allocation
SectorValue
Cash Equivalent78.53%
Corporate13.06%
Government8.4%
Credit Quality
RatingValue
AA7.51%
AAA92.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Punjab National Bank
Debentures | -
1%₹5 Cr450,000
The Tata Power Company Limited
Debentures | -
1%₹2 Cr200,000
REC Limited
Debentures | -
1%₹2 Cr200,000
Chennai Petroleum Corporation Limited
Debentures | -
1%₹2 Cr200,000
Godrej Properties Limited
Debentures | -
0%₹2 Cr150,000
JSW Steel Limited
Debentures | -
0%₹2 Cr150,000
Tata Motors Limited
Debentures | -
0%₹2 Cr150,000
Treps
CBLO/Reverse Repo | -
55%₹193 Cr
The Ramco Cements Limited
Commercial Paper | -
10%₹35 Cr3,500,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
7%₹25 Cr2,500,000

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 Sep 16₹10,000
30 Sep 17₹10,778
30 Sep 18₹11,478
30 Sep 19₹12,408
30 Sep 20₹13,142

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 22 Oct 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. 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 7.8% 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 (22 Oct 21) ₹22.0609 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹9,692 on 30 Sep 21
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.99
Sharpe Ratio 2.9
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 4.61%
Effective Maturity 4 Months 28 Days
Modified Duration 3 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,791
30 Sep 18₹11,474
30 Sep 19₹12,470
30 Sep 20₹13,382
30 Sep 21₹13,975

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 ₹200,132.
Net Profit of ₹20,132
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 22 Oct 21

DurationReturns
1 Month 0.3%
3 Month 0.9%
6 Month 2%
1 Year 4.1%
3 Year 6.7%
5 Year 6.8%
10 Year
15 Year
Since launch 7.8%
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 164.8 Yr.
Ritesh Lunawat15 Jun 174.22 Yr.

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

Asset Allocation
Asset ClassValue
Cash56.33%
Debt43.67%
Debt Sector Allocation
SectorValue
Cash Equivalent50.88%
Corporate40.72%
Government8.13%
Securitized0.26%
Credit Quality
RatingValue
A2.51%
AA33.45%
AAA64.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 09122021
Sovereign Bonds | -
5%₹496 Cr50,000,000
182 DTB 16122021
Sovereign Bonds | -
5%₹496 Cr50,000,000
Embassy Office Parks Reit
Debentures | -
4%₹391 Cr3,137
Housing Development Finance Corporation Limited
Debentures | -
3%₹345 Cr3,430
↑ 550
182 DTB 23122021
Sovereign Bonds | -
3%₹297 Cr30,000,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹263 Cr2,610
The Tata Power Company Limited
Debentures | -
2%₹219 Cr2,084
Shriram Transport Finance Company Limited
Debentures | -
2%₹202 Cr2,000
Manappuram Finance Limited
Debentures | -
2%₹200 Cr2,000
Rural Electrification Corporation Limited
Debentures | -
2%₹176 Cr1,750

6. 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 (22 Oct 21) ₹432.545 ↑ 0.03   (0.01 %)
Net Assets (Cr) ₹17,747 on 30 Sep 21
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.47
Sharpe Ratio 1.91
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,775
30 Sep 18₹11,484
30 Sep 19₹12,528
30 Sep 20₹13,468
30 Sep 21₹14,054

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 ₹200,132.
Net Profit of ₹20,132
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 22 Oct 21

DurationReturns
1 Month 0.2%
3 Month 0.9%
6 Month 2.1%
1 Year 4.1%
3 Year 6.8%
5 Year 7%
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 146.9 Yr.
Kaustubh Gupta15 Jul 1110.14 Yr.
Monika Gandhi22 Mar 210.45 Yr.

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

Asset Allocation
Asset ClassValue
Cash53.14%
Debt46.86%
Debt Sector Allocation
SectorValue
Cash Equivalent47.75%
Corporate35.61%
Government16.64%
Credit Quality
RatingValue
AA12.07%
AAA87.93%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
5%₹933 Cr92,600,000
↓ -118,500,000
Reliance Industries Limited
Debentures | -
4%₹705 Cr6,901
↓ -500
8.83% Govt Stock 2023
Sovereign Bonds | -
3%₹638 Cr58,500,000
↑ 500,000
Citicorp Finance (India) Limited
Debentures | -
3%₹500 Cr5,000
REC Limited
Debentures | -
2%₹414 Cr4,050
Rural Electrification Corporation Limited
Debentures | -
2%₹317 Cr3,150
Shriram Transport Finance Company Limited
Debentures | -
1%₹275 Cr2,750
8.21% HR SDL Spl 2023
Domestic Bonds | -
1%₹243 Cr23,000,000
Muthoot Finance Limited
Debentures | -
1%₹238 Cr2,350
Rural Electrification Corporation Limited
Debentures | -
1%₹226 Cr2,250

7. 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 7.4% 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 (24 Oct 21) ₹2,237.94 ↑ 0.21   (0.01 %)
Net Assets (Cr) ₹1,078 on 30 Sep 21
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio -3.67
Information Ratio -1.61
Alpha Ratio -0.24
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 3.54%
Effective Maturity 1 Month 25 Days
Modified Duration 1 Month 25 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,667
30 Sep 18₹11,424
30 Sep 19₹12,245
30 Sep 20₹12,872
30 Sep 21₹13,301

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 22 Oct 21

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.7%
1 Year 3.3%
3 Year 5.1%
5 Year 5.8%
10 Year
15 Year
Since launch 7.4%
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 174.33 Yr.

Data below for IDBI Liquid Fund as on 30 Sep 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent73.32%
Corporate19.8%
Government6.88%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 09122021
Sovereign Bonds | -
3%₹29 Cr2,929,500
↑ 2,929,500
91 DTB 16092021
Sovereign Bonds | -
2%₹25 Cr2,500,000
Treps
CBLO/Reverse Repo | -
43%₹463 Cr
Axis Finance Limited
Commercial Paper | -
9%₹99 Cr10,000,000
↑ 10,000,000
Tata Capital Financial Services Limited
Commercial Paper | -
9%₹99 Cr10,000,000
↑ 10,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
7%₹75 Cr7,500,000
NTPC Limited
Commercial Paper | -
7%₹74 Cr7,500,000
↑ 7,500,000
The Ramco Cements Limited
Commercial Paper | -
6%₹65 Cr6,500,000
Housing Development Finance Corporation Limited
Commercial Paper | -
5%₹50 Cr5,000,000
KEC International Limited
Commercial Paper | -
5%₹50 Cr5,000,000

8. 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 7.4% 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 (22 Oct 21) ₹34.3501 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹12,698 on 30 Sep 21
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.45
Sharpe Ratio -0.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 3.94%
Effective Maturity 5 Months 26 Days
Modified Duration 4 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,709
30 Sep 18₹11,406
30 Sep 19₹12,368
30 Sep 20₹13,171
30 Sep 21₹13,629

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 22 Oct 21

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 1.6%
1 Year 3.3%
3 Year 6%
5 Year 6.3%
10 Year
15 Year
Since launch 7.4%
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 0813.39 Yr.

Data below for Kotak Savings Fund as on 30 Sep 21

Asset Allocation
Asset ClassValue
Cash70.26%
Debt29.74%
Debt Sector Allocation
SectorValue
Cash Equivalent59.1%
Corporate26.54%
Government14.36%
Credit Quality
RatingValue
AA7.59%
AAA92.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
13%₹1,864 Cr184,935,250
182 DTB 09122021
Sovereign Bonds | -
7%₹925 Cr93,166,667
National Bank For Agriculture And Rural Development
Debentures | -
6%₹828 Cr8,250
GOI Floating Rate Bond 2024
Sovereign Bonds | -
5%₹683 Cr69,000,000
↑ 2,500,000
182 DTB 02122021
Sovereign Bonds | -
4%₹571 Cr57,500,000
91 DTB 04112021
Sovereign Bonds | -
4%₹498 Cr50,000,000
91 DTB 02122021
Sovereign Bonds | -
3%₹392 Cr39,444,000
↑ 39,444,000
91 DTB 16092021
Sovereign Bonds | -
2%₹218 Cr21,750,000
Muthoot Finance Limited
Debentures | -
1%₹204 Cr2,000,000
Bharti Telecom Limited
Debentures | -
1%₹204 Cr2,000

9. 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 6.3% since its launch.  Ranked 48 in Liquid Fund category.  Return for 2020 was 4.2% , 2019 was 6.6% and 2018 was 7.3% .

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund
Growth
Launch Date 12 Jan 09
NAV (22 Oct 21) ₹2,182.99 ↑ 0.18   (0.01 %)
Net Assets (Cr) ₹3,840 on 30 Sep 21
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.15
Sharpe Ratio -4.44
Information Ratio -3.4
Alpha Ratio -0.3
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 3.51%
Effective Maturity 1 Month 2 Days
Modified Duration 1 Month 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 16₹10,000
30 Sep 17₹10,659
30 Sep 18₹11,416
30 Sep 19₹12,230
30 Sep 20₹12,811
30 Sep 21₹13,228

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 22 Oct 21

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.6%
1 Year 3.3%
3 Year 4.9%
5 Year 5.7%
10 Year
15 Year
Since launch 6.3%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.2%
2019 6.6%
2018 7.3%
2017 6.6%
2016 7.2%
2015 7.8%
2014 8.7%
2013 8.2%
2012 8%
2011 6.9%
Fund Manager information for Mirae Asset Cash Management Fund
NameSinceTenure
Mahendra Jajoo8 Sep 164.98 Yr.
Abhishek Iyer28 Dec 200.67 Yr.

Data below for Mirae Asset Cash Management Fund as on 30 Sep 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent86.61%
Corporate7.68%
Government5.71%
Credit Quality
RatingValue
AA1.48%
AAA98.52%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 02122021
Sovereign Bonds | -
5%₹248 Cr25,000,000
↑ 25,000,000
91 DTB 30092021
Sovereign Bonds | -
4%₹200 Cr20,000,000
182 DTB 12112021
Sovereign Bonds | -
3%₹124 Cr12,500,000
364 DTB 04112021
Sovereign Bonds | -
3%₹119 Cr12,000,000
↑ 12,000,000
364 DTB 16092021
Sovereign Bonds | -
2%₹100 Cr10,000,000
182 DTB 14102021
Sovereign Bonds | -
2%₹100 Cr10,000,000
91 DTB 14102021
Sovereign Bonds | -
2%₹100 Cr10,000,000
182 DTB 18112021
Sovereign Bonds | -
2%₹90 Cr9,000,000
8.79% Govt Stock 2021
Sovereign Bonds | -
1%₹50 Cr5,000,000
91 DTB 16092021
Sovereign Bonds | -
1%₹50 Cr5,000,000

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!

    Get Started

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.
How helpful was this page ?
Rated 2.8, based on 5 reviews.
POST A COMMENT