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Fincash » Mutual Funds » Best SIP Plans for a Year

9 Best SIP Plans for 1 Year Investment 2023

Updated on May 25, 2023 , 112631 views

Best SIP Plans? How to choose them? These are some of the common questions that occur in the mind of investors when thinking of investing in Mutual Funds through a SIP or Systematic Investment plan.

SIP investment is one of the most disciplined Investing options when investing in Mutual Funds. Moreover, the minimum amount of investing in a SIP Mutual Fund is as less as INR 500. This makes investing in Top SIP plans much convenient.

SIP

Why Invest in a SIP?

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

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

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

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2022 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹469.638
↑ 0.11
₹14,525 1,000 23.66.45.24.87.56%5M 8D5M 16D
Baroda Pioneer Liquid Fund Growth ₹2,598.87
↑ 0.46
₹7,111 500 1.83.46.34.34.97.15%26D29D
BOI AXA Liquid Fund Growth ₹2,596.1
↑ 0.47
₹590 1,000 1.83.46.34.34.97.02%1M 17D1M 20D
IDBI Liquid Fund Growth ₹2,427.31
↑ 0.42
₹672 500 1.73.46.24.44.96.88%30D30D
Mirae Asset Cash Management Fund Growth ₹2,367.66
↑ 0.85
₹4,955 1,000 1.83.46.24.34.87.21%1M 20D1M 19D
Principal Cash Management Fund Growth ₹1,992.58
↑ 0.36
₹3,995 2,000 1.73.46.24.24.87.16%29D29D
ICICI Prudential Ultra Short Term Fund Growth ₹23.8823
↑ 0.00
₹12,645 1,000 1.93.56.25.14.57.57%4M 17D5M 5D
IDFC Cash Fund Growth ₹2,729.33
↑ 0.51
₹8,821 100 1.83.46.24.24.87.09%1M 15D1M 16D
Nippon India Liquid Fund  Growth ₹5,511.04
↑ 1.01
₹22,983 100 1.83.46.24.24.87.09%1M 14D1M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 May 23

1. 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 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2022 was 4.8% , 2021 was 3.9% and 2020 was 7% .

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 (26 May 23) ₹469.638 ↑ 0.11   (0.02 %)
Net Assets (Cr) ₹14,525 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.49
Sharpe Ratio -0.55
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.56%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,830
30 Apr 20₹11,630
30 Apr 21₹12,388
30 Apr 22₹12,890
30 Apr 23₹13,625

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 26 May 23

DurationReturns
1 Month 0.6%
3 Month 2%
6 Month 3.6%
1 Year 6.4%
3 Year 5.2%
5 Year 6.4%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
2014 9.7%
2013 9.5%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha14 Jun 148.88 Yr.
Kaustubh Gupta15 Jul 1111.8 Yr.
Monika Gandhi22 Mar 212.11 Yr.
Dhaval Joshi21 Nov 220.44 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash61.38%
Debt38.62%
Debt Sector Allocation
SectorValue
Corporate43.74%
Cash Equivalent30.82%
Government25.2%
Securitized0.24%
Credit Quality
RatingValue
AA21.44%
AAA78.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 29062023
Sovereign Bonds | -
6%₹855 Cr86,204,130
↓ -5,000,000
Housing Development Finance Corporation Ltd
Debentures | -
4%₹597 Cr6,000
182 DTB 29092023
Sovereign Bonds | -
3%₹487 Cr50,000,000
Hindalco Industries Limited
Debentures | -
2%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Shriram Finance Limited
Debentures | -
2%₹275 Cr2,750
Sikka Ports & Terminals Limited
Debentures | -
2%₹252 Cr2,520
Reliance Industries Limited
Debentures | -
2%₹251 Cr2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹250 Cr2,500
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹250 Cr2,500

2. Baroda Pioneer Liquid Fund

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

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

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund
Growth
Launch Date 5 Feb 09
NAV (28 May 23) ₹2,598.87 ↑ 0.46   (0.02 %)
Net Assets (Cr) ₹7,111 on 30 Apr 23
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.42
Information Ratio -3.5
Alpha Ratio -0.1
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.15%
Effective Maturity 29 Days
Modified Duration 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,760
30 Apr 20₹11,417
30 Apr 21₹11,789
30 Apr 22₹12,197
30 Apr 23₹12,929

Baroda Pioneer Liquid Fund SIP Returns

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

Returns for Baroda Pioneer Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 6.3%
3 Year 4.3%
5 Year 5.3%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.9%
2021 3.3%
2020 4.1%
2019 6.6%
2018 7.5%
2017 6.7%
2016 7.8%
2015 8.4%
2014 9.1%
2013 9.2%
Fund Manager information for Baroda Pioneer Liquid Fund
NameSinceTenure
Mayank Prakash21 Oct 220.53 Yr.
Vikram Pamnani14 Mar 221.13 Yr.

Data below for Baroda Pioneer Liquid Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent70.53%
Corporate21.27%
Government8.2%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 16-May-2023
CBLO/Reverse Repo | -
20%₹1,660 Cr
Net Receivable / Payable
CBLO | -
9%-₹746 Cr
182 DTB 01062023
Sovereign Bonds | -
5%₹379 Cr38,000,000
↑ 23,000,000
Small Industries Development Bank of India
Commercial Paper | -
4%₹344 Cr7,000
↑ 7,000
364 Dtb 01062023
Sovereign Bonds | -
4%₹323 Cr32,400,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
4%₹314 Cr6,300
↑ 300
Canara Bank
Certificate of Deposit | -
4%₹300 Cr6,000
Ntpc Limited
Commercial Paper | -
4%₹296 Cr6,000
↑ 6,000
Reliance Retail Ventures Limited
Commercial Paper | -
3%₹250 Cr5,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹248 Cr5,000

3. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.6% since its launch.  Ranked 34 in Liquid Fund category.  Return for 2022 was 4.9% , 2021 was 3.3% and 2020 was 4.1% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (28 May 23) ₹2,596.1 ↑ 0.47   (0.02 %)
Net Assets (Cr) ₹590 on 30 Apr 23
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio 0.14
Information Ratio -4.39
Alpha Ratio -0.11
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.02%
Effective Maturity 1 Month 20 Days
Modified Duration 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,745
30 Apr 20₹11,369
30 Apr 21₹11,750
30 Apr 22₹12,153
30 Apr 23₹12,883

BOI AXA Liquid Fund SIP Returns

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

Returns for BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 6.3%
3 Year 4.3%
5 Year 5.2%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.9%
2021 3.3%
2020 4.1%
2019 6.4%
2018 7.4%
2017 6.7%
2016 7.6%
2015 8.3%
2014 9%
2013 9.3%
Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 211.7 Yr.

Data below for BOI AXA Liquid Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent74.88%
Corporate16.78%
Government8.34%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Limited
Commercial Paper | -
6%₹50 Cr5,000,000
Axis Bank Limited
Certificate of Deposit | -
6%₹50 Cr5,000,000
↑ 5,000,000
91 DTB 06072023
Sovereign Bonds | -
6%₹50 Cr5,000,000
HDFC Bank Limited
Certificate of Deposit | -
6%₹49 Cr5,000,000
↑ 2,500,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
6%₹49 Cr5,000,000
↑ 5,000,000
Canara Bank
Certificate of Deposit | -
6%₹49 Cr5,000,000
↑ 5,000,000
91 DTB 10082023
Sovereign Bonds | -
6%₹49 Cr5,000,000
↑ 5,000,000
Punjab National Bank
Certificate of Deposit | -
6%₹49 Cr5,000,000
↑ 5,000,000
Bajaj Finance Ltd
Commercial Paper | -
6%₹49 Cr5,000,000
↑ 5,000,000
Housing Development Finance Corporation Limited
Commercial Paper | -
5%₹40 Cr4,000,000

4. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

IDBI Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Jul 10. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2022 was 4.9% , 2021 was 3.4% and 2020 was 4.5% .

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (27 May 23) ₹2,427.31 ↑ 0.42   (0.02 %)
Net Assets (Cr) ₹672 on 15 May 23
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio 0.01
Information Ratio -5.87
Alpha Ratio -0.18
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.88%
Effective Maturity 30 Days
Modified Duration 30 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,753
30 Apr 20₹11,417
30 Apr 21₹11,834
30 Apr 22₹12,249
30 Apr 23₹12,977

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 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 6.2%
3 Year 4.4%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.9%
2021 3.4%
2020 4.5%
2019 6.6%
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 176 Yr.

Data below for IDBI Liquid Fund as on 15 May 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent62.31%
Government19.18%
Corporate18.51%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
17%₹117 Cr
91 DTB 25052023
Sovereign Bonds | -
13%₹90 Cr9,000,000
↓ -1,000,000
91 DTB 10082023
Sovereign Bonds | -
13%₹89 Cr9,000,000
↑ 9,000,000
91 DTB 20072023
Sovereign Bonds | -
11%₹74 Cr7,500,000
↑ 7,500,000
Axis Bank Limited
Certificate of Deposit | -
10%₹65 Cr6,500,000
Indian Bank
Certificate of Deposit | -
7%₹50 Cr5,000,000
91 DTB 03082023
Sovereign Bonds | -
7%₹49 Cr5,000,000
↑ 5,000,000
Punjab National Bank
Certificate of Deposit | -
6%₹40 Cr4,000,000
Canara Bank
Certificate of Deposit | -
6%₹40 Cr4,000,000
Small Industries Development Bank Of India
Certificate of Deposit | -
4%₹25 Cr2,500,000

5. Mirae Asset Cash Management Fund

The investment objective of the scheme is to generate consistent returns with a high level of liquidity in a judicious portfolio mix comprising of money market and debt instruments. The Scheme does not guarantee any returns.

Mirae Asset Cash Management Fund is a Debt - Liquid Fund fund was launched on 12 Jan 09. It is a fund with Low risk and has given a CAGR/Annualized return of 6.2% since its launch.  Ranked 48 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4.2% .

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund
Growth
Launch Date 12 Jan 09
NAV (28 May 23) ₹2,367.66 ↑ 0.85   (0.04 %)
Net Assets (Cr) ₹4,955 on 30 Apr 23
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.2
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 7.21%
Effective Maturity 1 Month 19 Days
Modified Duration 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,755
30 Apr 20₹11,393
30 Apr 21₹11,785
30 Apr 22₹12,185
30 Apr 23₹12,906

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 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 6.2%
3 Year 4.3%
5 Year 5.2%
10 Year
15 Year
Since launch 6.2%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.3%
2020 4.2%
2019 6.6%
2018 7.3%
2017 6.6%
2016 7.2%
2015 7.8%
2014 8.7%
2013 8.2%
Fund Manager information for Mirae Asset Cash Management Fund
NameSinceTenure
Abhishek Iyer28 Dec 202.34 Yr.

Data below for Mirae Asset Cash Management Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent72.55%
Corporate17.44%
Government10%
Credit Quality
RatingValue
AA0.4%
AAA99.6%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 04052023
Sovereign Bonds | -
3%₹150 Cr15,000,000
91 DTB 11052023
Sovereign Bonds | -
2%₹103 Cr10,300,000
7.16% Govt Stock 2023
Sovereign Bonds | -
2%₹100 Cr10,000,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹100 Cr10,000,000
364 DTB 2023
Sovereign Bonds | -
2%₹100 Cr10,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹100 Cr10,000,000
Small Industries Development Bank Of India
Certificate of Deposit | -
2%₹99 Cr10,000,000
182 DTB 15062023
Sovereign Bonds | -
2%₹99 Cr10,000,000
Small Industries Development Bank Of India
Commercial Paper | -
2%₹99 Cr10,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
2%₹99 Cr10,000,000

6. Principal Cash Management Fund

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

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

Below is the key information for Principal Cash Management Fund

Principal Cash Management Fund
Growth
Launch Date 30 Aug 04
NAV (26 May 23) ₹1,992.58 ↑ 0.36   (0.02 %)
Net Assets (Cr) ₹3,995 on 30 Apr 23
Category Debt - Liquid Fund
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Low
Expense Ratio 0.2
Sharpe Ratio 0.01
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,000
Exit Load NIL
Yield to Maturity 7.16%
Effective Maturity 29 Days
Modified Duration 29 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹9,817
30 Apr 20₹10,354
30 Apr 21₹10,684
30 Apr 22₹11,041
30 Apr 23₹11,697

Principal Cash Management Fund SIP Returns

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

Returns for Principal Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 6.2%
3 Year 4.2%
5 Year 3.2%
10 Year
15 Year
Since launch 6.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.2%
2020 3.8%
2019 6.2%
2018 -1.8%
2017 6.8%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.2%
Fund Manager information for Principal Cash Management Fund
NameSinceTenure
Dwijendra Srivastava1 Jan 221.33 Yr.
Sandeep Agarwal16 May 220.96 Yr.

Data below for Principal Cash Management Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent54.58%
Corporate24.27%
Government21.15%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
28%₹1,175 Cr
Canara Bank
Certificate of Deposit | -
4%₹150 Cr3,000
Aditya Birla Finance Limited
Commercial Paper | -
3%₹149 Cr3,000
↑ 3,000
Treps
CBLO/Reverse Repo | -
3%₹132 Cr
Axis Bank Limited
Certificate of Deposit | -
3%₹125 Cr2,500
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
3%₹125 Cr2,500
Cash And Other Net Current Assets^
CBLO | -
3%-₹117 Cr
Indian Bank
Certificate of Deposit | -
2%₹100 Cr2,000
Punjab National Bank
Certificate of Deposit | -
2%₹99 Cr2,000
IDFC First Bank Limited
Certificate of Deposit | -
2%₹99 Cr2,000

7. 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 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2022 was 4.5% , 2021 was 4% and 2020 was 6.5% .

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 (26 May 23) ₹23.8823 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹12,645 on 30 Apr 23
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.93
Sharpe Ratio -0.94
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 7.57%
Effective Maturity 5 Months 5 Days
Modified Duration 4 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,787
30 Apr 20₹11,574
30 Apr 21₹12,307
30 Apr 22₹12,778
30 Apr 23₹13,502

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 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.5%
1 Year 6.2%
3 Year 5.1%
5 Year 6.3%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.5%
2021 4%
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
2014 14.8%
2013 3.1%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 166.46 Yr.
Ritesh Lunawat15 Jun 175.88 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash75.14%
Debt24.86%
Debt Sector Allocation
SectorValue
Corporate50.89%
Cash Equivalent39.91%
Government9.2%
Credit Quality
RatingValue
AA18.72%
AAA81.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 29062023
Sovereign Bonds | -
5%₹694 Cr70,000,000
182 DTB 06072023
Sovereign Bonds | -
4%₹471 Cr47,500,000
Sikka Ports & Terminals Limited
Debentures | -
3%₹375 Cr3,750
↓ -250
Embassy Office Parks Reit
Debentures | -
2%₹272 Cr2,750
National Bank For Agriculture And Rural Development
Debentures | -
2%₹259 Cr2,600
Power Finance Corporation Ltd.
Debentures | -
2%₹244 Cr2,450
Embassy Office Parks Reit
Debentures | -
2%₹200 Cr2,000
Apollo Building Products Private Limited
Debentures | -
2%₹199 Cr20,000
Tata Housing Development Company Limited
Debentures | -
2%₹196 Cr19,500
↓ -500
Ongc Petro Additions Limited
Debentures | -
1%₹190 Cr1,900

8. IDFC Cash Fund

To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized.

IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 26 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4% .

Below is the key information for IDFC Cash Fund

IDFC Cash Fund
Growth
Launch Date 4 Jun 08
NAV (26 May 23) ₹2,729.33 ↑ 0.51   (0.02 %)
Net Assets (Cr) ₹8,821 on 30 Apr 23
Category Debt - Liquid Fund
AMC IDFC Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio -0.22
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.09%
Effective Maturity 1 Month 16 Days
Modified Duration 1 Month 15 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,733
30 Apr 20₹11,351
30 Apr 21₹11,724
30 Apr 22₹12,122
30 Apr 23₹12,839

IDFC Cash Fund SIP Returns

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

Returns for IDFC Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 6.2%
3 Year 4.2%
5 Year 5.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.2%
2020 4%
2019 6.3%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
2014 9.1%
2013 9.2%
Fund Manager information for IDFC Cash Fund
NameSinceTenure
Harshal Joshi15 Sep 157.63 Yr.
Brijesh Shah1 Dec 211.41 Yr.

Data below for IDFC Cash Fund as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent60.05%
Corporate24.5%
Government15.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
8%-₹718 Cr
Axis Bank Limited
Certificate of Deposit | -
6%₹522 Cr52,500,000
Small Industries Development Bank Of India
Commercial Paper | -
6%₹499 Cr50,000,000
Reliance Industries Limited
Commercial Paper | -
6%₹497 Cr50,000,000
Canara Bank
Certificate of Deposit | -
5%₹398 Cr40,000,000
182 DTB 06072023
Sovereign Bonds | -
4%₹395 Cr40,000,000
↑ 40,000,000
India (Republic of)
- | -
4%₹394 Cr40,000,000
↑ 40,000,000
Larsen And Toubro Limited
Commercial Paper | -
4%₹345 Cr35,000,000
↑ 35,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹297 Cr30,000,000
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹284 Cr28,500,000

9. Nippon India Liquid Fund 

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Liquid Fund  is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.2% and 2020 was 4.3% .

Below is the key information for Nippon India Liquid Fund 

Nippon India Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (26 May 23) ₹5,511.04 ↑ 1.01   (0.02 %)
Net Assets (Cr) ₹22,983 on 30 Apr 23
Category Debt - Liquid Fund
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.32
Sharpe Ratio -0.37
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.09%
Effective Maturity 1 Month 19 Days
Modified Duration 1 Month 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 18₹10,000
30 Apr 19₹10,753
30 Apr 20₹11,410
30 Apr 21₹11,800
30 Apr 22₹12,198
30 Apr 23₹12,915

Nippon India Liquid Fund  SIP Returns

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

Returns for Nippon India Liquid Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 May 23

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.4%
1 Year 6.2%
3 Year 4.2%
5 Year 5.3%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.2%
2020 4.3%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.2%
Fund Manager information for Nippon India Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 139.59 Yr.
Siddharth Deb1 Mar 221.17 Yr.
Kinjal Desai25 May 184.94 Yr.
Akshay Sharma1 Dec 220.41 Yr.

Data below for Nippon India Liquid Fund  as on 30 Apr 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent64.03%
Corporate21.17%
Government14.8%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
16%-₹3,780 Cr
Reverse Repo
CBLO/Reverse Repo | -
9%₹2,026 Cr
91 DTB 15062023
Sovereign Bonds | -
6%₹1,488 Cr150,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
4%₹985 Cr20,000
↑ 20,000
91 DTB 08062023
Sovereign Bonds | -
4%₹930 Cr93,682,500
91 DTB 25052023
Sovereign Bonds | -
4%₹881 Cr88,500,000
↓ -7,500,000
Sikka Ports & Terminals Limited
Commercial Paper | -
3%₹674 Cr13,500
↓ -2,500
Small Industries Development Bank Of India
Commercial Paper | -
3%₹595 Cr12,000
Union Bank Of India
Certificate of Deposit | -
2%₹507 Cr10,200
Small Industries Development Bank Of India
Commercial Paper | -
2%₹498 Cr10,000

How to Invest in Mutual Fund SIP Online?

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  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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