+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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹571.125
↑ 0.10 ₹22,857 1,000 1.3 3 7.1 7.4 7.4 6.81% 5M 19D 6M 11D ICICI Prudential Ultra Short Term Fund Growth ₹28.8174
↑ 0.00 ₹17,808 1,000 1.3 2.9 6.9 7.1 7.1 7.31% 5M 5D 6M 11D Kotak Savings Fund Growth ₹44.5369
↑ 0.01 ₹16,788 1,000 1.3 2.8 6.6 6.9 6.8 7.12% 5M 16D 6M 11D Nippon India Ultra Short Duration Fund Growth ₹4,185.42
↑ 0.37 ₹10,488 100 1.3 2.9 6.6 6.9 6.8 7.06% 5M 28D 8M 3D 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 Invesco India Ultra Short Term Fund Growth ₹2,799.19
↑ 0.18 ₹1,315 1,000 1.3 2.8 6.5 6.9 6.8 7% 4M 7D 4M 15D UTI Ultra Short Term Fund Growth ₹4,398.1
↑ 0.72 ₹3,751 500 1.3 2.8 6.4 6.8 6.6 7.21% 4M 29D 5M 30D 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 BOI AXA Liquid Fund Growth ₹3,124.91
↑ 0.58 ₹1,843 1,000 1.5 3 6.4 7 6.6 6.42% 1M 2D 1M 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Feb 26 Research Highlights & Commentary of 9 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund Kotak Savings Fund Nippon India Ultra Short Duration Fund IDBI Liquid Fund Invesco India Ultra Short Term Fund UTI Ultra Short Term Fund IDBI Ultra Short Term Fund BOI AXA Liquid Fund Point 1 Highest AUM (₹22,857 Cr). Top quartile AUM (₹17,808 Cr). Upper mid AUM (₹16,788 Cr). Upper mid AUM (₹10,488 Cr). Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,315 Cr). Lower mid AUM (₹3,751 Cr). Bottom quartile AUM (₹146 Cr). Lower mid AUM (₹1,843 Cr). Point 2 Established history (22+ yrs). Established history (14+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (22+ yrs). Established history (15+ yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 1★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Point 5 1Y return: 7.15% (top quartile). 1Y return: 6.86% (top quartile). 1Y return: 6.63% (upper mid). 1Y return: 6.60% (upper mid). 1Y return: 6.55% (lower mid). 1Y return: 6.50% (lower mid). 1Y return: 6.41% (bottom quartile). 1Y return: 6.39% (bottom quartile). 1Y return: 6.38% (bottom quartile). Point 6 1M return: 0.62% (top quartile). 1M return: 0.60% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.60% (upper mid). 1M return: 0.53% (bottom quartile). 1M return: 0.56% (lower mid). 1M return: 0.57% (lower mid). 1M return: 0.52% (bottom quartile). 1M return: 0.55% (bottom quartile). Point 7 Sharpe: 2.17 (top quartile). Sharpe: 2.06 (upper mid). Sharpe: 1.52 (lower mid). Sharpe: 1.65 (upper mid). Sharpe: 0.20 (bottom quartile). Sharpe: 1.37 (lower mid). Sharpe: 1.15 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 3.73 (top quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 1.44 (top quartile). Point 9 Yield to maturity (debt): 6.81% (bottom quartile). Yield to maturity (debt): 7.31% (top quartile). Yield to maturity (debt): 7.12% (upper mid). Yield to maturity (debt): 7.06% (upper mid). Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 7.00% (lower mid). Yield to maturity (debt): 7.21% (top quartile). Yield to maturity (debt): 6.83% (lower mid). Yield to maturity (debt): 6.42% (bottom quartile). Point 10 Modified duration: 0.47 yrs (bottom quartile). Modified duration: 0.43 yrs (lower mid). Modified duration: 0.46 yrs (bottom quartile). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.35 yrs (upper mid). Modified duration: 0.41 yrs (lower mid). Modified duration: 0.19 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
Kotak Savings Fund
Nippon India Ultra Short Duration Fund
IDBI Liquid Fund
Invesco India Ultra Short Term Fund
UTI Ultra Short Term Fund
IDBI Ultra Short Term Fund
BOI AXA Liquid 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. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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. Research Highlights for ICICI Prudential Ultra Short Term Fund Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (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. Research Highlights for Kotak Savings Fund Below is the key information for Kotak Savings Fund Returns up to 1 year are on (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. Research Highlights for Nippon India Ultra Short Duration Fund Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on 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. Research Highlights for IDBI Liquid Fund Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (Erstwhile Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Research Highlights for Invesco India Ultra Short Term Fund Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on (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. Research Highlights for UTI Ultra Short Term Fund Below is the key information for UTI Ultra Short Term 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 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 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (27 Feb 26) ₹571.125 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹22,857 on 31 Jan 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 2.17 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,414 31 Jan 23 ₹10,928 31 Jan 24 ₹11,721 31 Jan 25 ₹12,635 31 Jan 26 ₹13,528 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 3% 1 Year 7.1% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.63 Yr. Kaustubh Gupta 15 Jul 11 14.56 Yr. Monika Gandhi 22 Mar 21 4.87 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 47.38% Debt 52.33% Other 0.29% Debt Sector Allocation
Sector Value Corporate 54.83% Cash Equivalent 30.8% Government 14.08% Credit Quality
Rating Value AA 25.17% AAA 74.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹610 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹543 Cr 54,000 Nirma Limited
Debentures | -2% ₹485 Cr 48,500 Bharti Telecom Limited
Debentures | -2% ₹397 Cr 40,000 7.25% Gujarat Sgs 2026
Sovereign Bonds | -2% ₹375 Cr 37,500,000 Muthoot Finance Limited
Debentures | -2% ₹350 Cr 35,000 Mankind Pharma Limited
Debentures | -1% ₹321 Cr 32,000
↓ -2,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹302 Cr 30,000 Avanse Financial Services Limited
Debentures | -1% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹296 Cr 30,000 2. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (27 Feb 26) ₹28.8174 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹17,808 on 31 Jan 26 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.06 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 7.31% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,412 31 Jan 23 ₹10,907 31 Jan 24 ₹11,672 31 Jan 25 ₹12,538 31 Jan 26 ₹13,391 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.9% 1 Year 6.9% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 7.5% 2022 6.9% 2021 4.5% 2020 4% 2019 6.5% 2018 8.4% 2017 7.5% 2016 6.9% 2015 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 9.22 Yr. Ritesh Lunawat 15 Jun 17 8.64 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 79.06% Debt 20.67% Other 0.27% Debt Sector Allocation
Sector Value Corporate 57.59% Cash Equivalent 51.73% Credit Quality
Rating Value AA 17.57% AAA 82.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹450 Cr 450 Vedanta Limited
Debentures | -2% ₹351 Cr 35,000 Goi Floating Rate Bond 2028
Sovereign Bonds | -2% ₹311 Cr 30,843,000 Muthoot Finance Limited
Debentures | -2% ₹303 Cr 30,000 Axis Bank Ltd.
Debentures | -2% ₹281 Cr 6,000 Piramal Finance Limited
Debentures | -1% ₹247 Cr 24,500
↓ -3,000 Bank of Baroda
Debentures | -1% ₹235 Cr 5,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹234 Cr 5,000 Indusind Bank Ltd.
Debentures | -1% ₹233 Cr 5,000
↑ 5,000 LIC Housing Finance Ltd
Debentures | -1% ₹225 Cr 2,250 3. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (27 Feb 26) ₹44.5369 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹16,788 on 31 Jan 26 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 1.52 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.12% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,339 31 Jan 23 ₹10,818 31 Jan 24 ₹11,564 31 Jan 25 ₹12,397 31 Jan 26 ₹13,212 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.8% 1 Year 6.6% 3 Year 6.9% 5 Year 5.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.8% 2021 4.5% 2020 3.2% 2019 5.8% 2018 7.8% 2017 7.4% 2016 6.7% 2015 8.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 17.81 Yr. Manu Sharma 1 Nov 22 3.25 Yr. Data below for Kotak Savings Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 60.85% Debt 38.88% Other 0.27% Debt Sector Allocation
Sector Value Corporate 45.7% Cash Equivalent 41.32% Government 12.71% Credit Quality
Rating Value AA 14.16% AAA 85.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Housing Finance Limited
Debentures | -4% ₹642 Cr 6,420 National Bank For Agriculture And Rural Development
Debentures | -3% ₹578 Cr 57,500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹571 Cr 57,050 Rec Limited
Debentures | -2% ₹400 Cr 40,000
↓ -7,500 19/03/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹308 Cr 31,000,000 Mankind Pharma Limited
Debentures | -2% ₹301 Cr 30,000 21/05/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹246 Cr 25,000,000 Bank of Baroda
Debentures | -1% ₹245 Cr 25,000 Goi Floating Rate Bond 2028
Sovereign Bonds | -1% ₹227 Cr 22,500,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -1% ₹209 Cr 210 4. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (27 Feb 26) ₹4,185.42 ↑ 0.37 (0.01 %) Net Assets (Cr) ₹10,488 on 31 Jan 26 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 1.65 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.06% Effective Maturity 8 Months 3 Days Modified Duration 5 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,797 31 Jan 23 ₹11,304 31 Jan 24 ₹12,070 31 Jan 25 ₹12,941 31 Jan 26 ₹13,788 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.9% 1 Year 6.6% 3 Year 6.9% 5 Year 6.7% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.7% 2021 4.6% 2020 7.8% 2019 4.9% 2018 0.9% 2017 7.3% 2016 5.8% 2015 6.8% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 12.34 Yr. Kinjal Desai 25 May 18 7.69 Yr. Akshay Sharma 1 Dec 22 3.17 Yr. Lokesh Maru 5 Sep 25 0.41 Yr. Divya Sharma 5 Sep 25 0.41 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 47.86% Debt 51.84% Other 0.29% Debt Sector Allocation
Sector Value Corporate 57.79% Cash Equivalent 38.01% Government 3.19% Securitized 0.72% Credit Quality
Rating Value AA 28.52% AAA 71.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity 26/03/2026 Maturing 182 DTB
Sovereign Bonds | -3% ₹298 Cr 30,000,000
↑ 30,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹285 Cr 28,500
↓ -20,000 JSW Energy Limited
Debentures | -2% ₹250 Cr 25,000 16/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹247 Cr 25,000,000 Vedanta Limited
Debentures | -2% ₹241 Cr 24,000 TATA Communications Limited
Debentures | -2% ₹225 Cr 22,500 30/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹212 Cr 21,500,000
↑ 21,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000 Rec Limited
Debentures | -2% ₹200 Cr 20,000
↑ 20,000 Embassy Office Parks Reit
Debentures | -2% ₹200 Cr 2,000 5. 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 31 Jan 21 ₹10,000 31 Jan 22 ₹10,343 31 Jan 23 ₹10,873 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 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 6. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (27 Feb 26) ₹2,799.19 ↑ 0.18 (0.01 %) Net Assets (Cr) ₹1,315 on 31 Jan 26 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.37 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7% Effective Maturity 4 Months 15 Days Modified Duration 4 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,317 31 Jan 23 ₹10,764 31 Jan 24 ₹11,486 31 Jan 25 ₹12,349 31 Jan 26 ₹13,150 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.8% 1 Year 6.5% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.5% 2022 6.6% 2021 4.1% 2020 3% 2019 5.1% 2018 7.6% 2017 7.3% 2016 7.1% 2015 9.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 6.08 Yr. Vikas Garg 27 Jul 21 4.52 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 57.14% Debt 42.56% Other 0.3% Debt Sector Allocation
Sector Value Corporate 45.64% Cash Equivalent 40.82% Government 13.23% Credit Quality
Rating Value AA 14.9% AAA 85.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -8% ₹100 Cr 10,000,000
↑ 7,500,000 Small Industries Development Bank Of India
Debentures | -5% ₹65 Cr 6,500,000
↑ 5,000,000 19/02/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↑ 5,000,000 27/02/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹50 Cr 5,000,000
↑ 5,000,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹40 Cr 4,000,000 Sundaram Home Finance Limited
Debentures | -3% ₹35 Cr 3,500,000 Power Finance Corporation Limited
Debentures | -3% ₹35 Cr 3,500,000 Tbill
Sovereign Bonds | -3% ₹35 Cr 3,502,500
↑ 3,502,500 Manappuram Finance Limited
Debentures | -2% ₹28 Cr 2,800,000 Piramal Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 7. UTI Ultra Short Term Fund
UTI Ultra Short Term Fund
Growth Launch Date 29 Aug 03 NAV (27 Feb 26) ₹4,398.1 ↑ 0.72 (0.02 %) Net Assets (Cr) ₹3,751 on 15 Feb 26 Category Debt - Ultrashort Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.93 Sharpe Ratio 1.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.21% Effective Maturity 5 Months 30 Days Modified Duration 4 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,616 31 Jan 23 ₹11,089 31 Jan 24 ₹11,847 31 Jan 25 ₹12,696 31 Jan 26 ₹13,505 Returns for UTI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 2.8% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.2% 2022 6.7% 2021 4.2% 2020 6.1% 2019 5.3% 2018 3.3% 2017 7% 2016 6.6% 2015 8.9% Fund Manager information for UTI Ultra Short Term Fund
Name Since Tenure Abhishek Sonthalia 10 Nov 25 0.23 Yr. Data below for UTI Ultra Short Term Fund as on 15 Feb 26
Asset Allocation
Asset Class Value Cash 58.29% Debt 41.38% Other 0.33% Debt Sector Allocation
Sector Value Corporate 53.14% Cash Equivalent 33.69% Government 12.84% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 18/06/2026 Maturing 182 DTB
Sovereign Bonds | -8% ₹294 Cr 3,000,000,000
↑ 3,000,000,000 09/04/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹149 Cr 1,500,000,000 Shriram Finance Limited
Debentures | -3% ₹100 Cr 10,000 DBS Bank India Ltd.
Debentures | -3% ₹100 Cr 1,000,000,000 Piramal Finance Limited
Debentures | -2% ₹86 Cr 8,500 Piramal Finance Limited
Debentures | -2% ₹75 Cr 7,500 TATA Communications Limited
Debentures | -2% ₹75 Cr 7,500
↓ -2,500 Canara Bank
Domestic Bonds | -2% ₹75 Cr 750,000,000 Indian Bank
Domestic Bonds | -2% ₹74 Cr 750,000,000 Aditya Birla Renewables Limited
Debentures | -2% ₹65 Cr 6,500 8. 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 31 Jan 21 ₹10,000 31 Jan 22 ₹10,391 31 Jan 23 ₹10,885 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 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 9. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (27 Feb 26) ₹3,124.91 ↑ 0.58 (0.02 %) Net Assets (Cr) ₹1,843 on 31 Jan 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.73 Information Ratio 1.44 Alpha Ratio 0.07 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.42% Effective Maturity 1 Month 2 Days Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 31 Jan 21 ₹10,000 31 Jan 22 ₹10,332 31 Jan 23 ₹10,867 31 Jan 24 ₹11,643 31 Jan 25 ₹12,506 31 Jan 26 ₹13,309 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 3% 1 Year 6.4% 3 Year 7% 5 Year 5.9% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.4% 2017 7.4% 2016 6.7% 2015 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 4.46 Yr. Data below for BOI AXA Liquid Fund as on 31 Jan 26
Asset Allocation
Asset Class Value Cash 99.7% Other 0.3% Debt Sector Allocation
Sector Value Cash Equivalent 58.46% Corporate 38.54% Government 2.7% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -8% ₹148 Cr 15,000,000
↑ 15,000,000 Indian Bank
Certificate of Deposit | -5% ₹99 Cr 10,000,000 Union Bank of India
Domestic Bonds | -5% ₹99 Cr 10,000,000 HDFC Securities Limited
Commercial Paper | -4% ₹79 Cr 8,000,000 19/02/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹75 Cr 7,500,000
↑ 7,500,000 Bank Of Baroda
Certificate of Deposit | -4% ₹74 Cr 7,500,000 Canara Bank
Certificate of Deposit | -4% ₹74 Cr 7,500,000
↑ 2,500,000 State Bank Of India
Certificate of Deposit | -3% ₹64 Cr 6,500,000
↑ 6,500,000 Blue Star Ltd -
Commercial Paper | -3% ₹50 Cr 5,000,000 Icici Securities Primary Dealership Ltd
Commercial Paper | -3% ₹50 Cr 5,000,000
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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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