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Fincash » Mutual Funds » Best SIP Plans for a Year

9 Best SIP Plans for 1 Year Investment 2023

Updated on November 28, 2023 , 116198 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 ₹486.246
↑ 0.06
₹13,711 1,000 1.63.47.25.24.87.75%5M 19D6M 7D
BOI AXA Liquid Fund Growth ₹2,687.74
↑ 0.47
₹1,499 1,000 1.73.574.94.97.07%1M 13D1M 13D
Baroda Pioneer Liquid Fund Growth ₹2,689.24
↑ 0.46
₹10,544 500 1.73.474.94.97.19%1M 2D1M 5D
Mirae Asset Cash Management Fund Growth ₹2,450.39
↑ 0.42
₹10,114 1,000 1.73.474.94.87.17%1M 10D1M 9D
ICICI Prudential Liquid Fund Growth ₹345.883
↑ 0.06
₹40,639 99 1.73.46.94.84.87.09%2M 1D2M 7D
Principal Cash Management Fund Growth ₹2,062.46
↑ 0.35
₹4,454 2,000 1.73.46.94.94.87.16%1M 5D1M 5D
IDFC Cash Fund Growth ₹2,825.08
↑ 0.44
₹14,111 100 1.73.46.94.94.87.14%1M 6D1M 6D
ICICI Prudential Ultra Short Term Fund Growth ₹24.6955
↑ 0.00
₹12,413 1,000 1.63.36.95.14.57.69%5M 16D6M 11D
JM Liquid Fund Growth ₹63.867
↑ 0.01
₹1,896 500 1.73.46.94.94.87.17%21D22D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Dec 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 (01 Dec 23) ₹486.246 ↑ 0.06   (0.01 %)
Net Assets (Cr) ₹13,711 on 31 Oct 23
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.52
Sharpe Ratio 1.68
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.75%
Effective Maturity 6 Months 7 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,885
30 Nov 20₹11,667
30 Nov 21₹12,124
30 Nov 22₹12,669
30 Nov 23₹13,575

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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.6%
6 Month 3.4%
1 Year 7.2%
3 Year 5.2%
5 Year 6.3%
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 Cunha20 Jun 149.37 Yr.
Kaustubh Gupta15 Jul 1112.31 Yr.
Monika Gandhi22 Mar 212.61 Yr.
Dhaval Joshi21 Nov 220.94 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash55.81%
Debt43.91%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate58.65%
Cash Equivalent23.36%
Government17.62%
Securitized0.1%
Credit Quality
RatingValue
AA25.89%
AAA74.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
4%₹598 Cr6,000
182 DTB 21122023
Sovereign Bonds | -
3%₹471 Cr47,500,000
Tata Realty And Infrastructure Limited
Debentures | -
3%₹359 Cr36,000
Hindalco Industries Limited
Debentures | -
3%₹350 Cr35,000
Bharti Telecom Limited
Debentures | -
2%₹325 Cr3,250
Bharti Hexacom Limited
Debentures | -
2%₹314 Cr3,150
7.32% Govt Stock 2024
Sovereign Bonds | -
2%₹295 Cr29,500,000
↑ 24,500,000
Cholamandalam Investment And Fin. Co. Ltd
Debentures | -
2%₹250 Cr2,500
HDFC Bank Limited
Debentures | -
2%₹244 Cr2,450
7.38% Govt Stock 2027
Sovereign Bonds | -
1%₹175 Cr17,500,000

2. 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 (01 Dec 23) ₹2,687.74 ↑ 0.47   (0.02 %)
Net Assets (Cr) ₹1,499 on 31 Oct 23
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio 1.47
Information Ratio -4.21
Alpha Ratio -0.12
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.07%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,665
30 Nov 20₹11,122
30 Nov 21₹11,478
30 Nov 22₹12,011
30 Nov 23₹12,853

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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.5%
1 Year 7%
3 Year 4.9%
5 Year 5.1%
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 212.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.94%
Other0.06%
Debt Sector Allocation
SectorValue
Cash Equivalent57.73%
Corporate28.96%
Government13.25%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Repo
CBLO/Reverse Repo | -
5%₹76 Cr
91 DTB 11012024
Sovereign Bonds | -
5%₹74 Cr7,500,000
↑ 7,500,000
LIC Housing Finance Limited
Commercial Paper | -
5%₹70 Cr7,100,000
↑ 2,100,000
Small Industries Development Bank Of India
Certificate of Deposit | -
4%₹62 Cr6,300,000
↑ 6,300,000
Kotak Securities Limited
Commercial Paper | -
3%₹50 Cr5,000,000
ICICI Bank Limited
Certificate of Deposit | -
3%₹50 Cr5,000,000
91 DTB 30112023
Sovereign Bonds | -
3%₹50 Cr5,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
3%₹50 Cr5,000,000
Bank Of Baroda
Certificate of Deposit | -
3%₹50 Cr5,000,000
Punjab National Bank
Certificate of Deposit | -
3%₹50 Cr5,000,000

3. 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 (01 Dec 23) ₹2,689.24 ↑ 0.46   (0.02 %)
Net Assets (Cr) ₹10,544 on 15 Nov 23
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.26
Sharpe Ratio 1.01
Information Ratio -4.45
Alpha Ratio -0.18
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.19%
Effective Maturity 1 Month 5 Days
Modified Duration 1 Month 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,682
30 Nov 20₹11,145
30 Nov 21₹11,509
30 Nov 22₹12,041
30 Nov 23₹12,880

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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 7%
3 Year 4.9%
5 Year 5.2%
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 221.03 Yr.
Vikram Pamnani14 Mar 221.64 Yr.

Data below for Baroda Pioneer Liquid Fund as on 15 Nov 23

Asset Allocation
Asset ClassValue
Cash99.87%
Other0.13%
Debt Sector Allocation
SectorValue
Cash Equivalent74.26%
Corporate20.5%
Government5.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 01-Nov-2023
CBLO/Reverse Repo | -
11%₹1,098 Cr
91 DTB 23112023
Sovereign Bonds | -
5%₹523 Cr52,500,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹497 Cr10,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹349 Cr7,000
ICICI Bank Limited
Certificate of Deposit | -
3%₹324 Cr6,500
↓ -2,000
Reliance Industries Limited
Commercial Paper | -
3%₹324 Cr6,500
↓ -3,000
91 DTB 17112023
Sovereign Bonds | -
3%₹299 Cr30,000,000
Export-Import Bank Of India
Commercial Paper | -
3%₹297 Cr6,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹297 Cr6,000
HDFC Bank Limited
Certificate of Deposit | -
3%₹296 Cr6,000

4. 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 (01 Dec 23) ₹2,450.39 ↑ 0.42   (0.02 %)
Net Assets (Cr) ₹10,114 on 31 Oct 23
Category Debt - Liquid Fund
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio 0.79
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.17%
Effective Maturity 1 Month 9 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,675
30 Nov 20₹11,142
30 Nov 21₹11,507
30 Nov 22₹12,031
30 Nov 23₹12,868

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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 7%
3 Year 4.9%
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 202.84 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.86%
Other0.14%
Debt Sector Allocation
SectorValue
Cash Equivalent70.58%
Corporate18.63%
Government10.64%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
8%₹804 Cr
91 DTB 07122023
Sovereign Bonds | -
3%₹324 Cr32,610,100
182 DTB 21122023
Sovereign Bonds | -
3%₹302 Cr30,500,000
↑ 500,000
India (Republic of)
- | -
3%₹289 Cr29,000,000
91 DTB 30112023
Sovereign Bonds | -
2%₹249 Cr25,000,000
Ultratech Cement Limited
Commercial Paper | -
2%₹249 Cr25,000,000
91 DTB 29122023
Sovereign Bonds | -
2%₹247 Cr25,000,000
↑ 20,000,000
364 DTB 28122023
Sovereign Bonds | -
2%₹198 Cr20,000,000
Larsen And Toubro Limited
Commercial Paper | -
2%₹173 Cr17,500,000
91 DTB 25012024
Sovereign Bonds | -
2%₹167 Cr17,000,000
↑ 17,000,000

5. ICICI Prudential Liquid Fund

(Erstwhile ICICI Prudential Liquid Plan)

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

ICICI Prudential Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 20 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 ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund
Growth
Launch Date 17 Nov 05
NAV (01 Dec 23) ₹345.883 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹40,639 on 31 Oct 23
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.29
Sharpe Ratio 0.48
Information Ratio -6.09
Alpha Ratio -0.23
Min Investment 500
Min SIP Investment 99
Exit Load NIL
Yield to Maturity 7.09%
Effective Maturity 2 Months 7 Days
Modified Duration 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,682
30 Nov 20₹11,160
30 Nov 21₹11,514
30 Nov 22₹12,029
30 Nov 23₹12,862

ICICI Prudential 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 ICICI Prudential 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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 6.9%
3 Year 4.8%
5 Year 5.2%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.2%
2020 4.3%
2019 6.6%
2018 7.4%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.3%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Manish Banthia12 Jun 230.39 Yr.
Rohan Maru19 Sep 1310.12 Yr.
Darshil Dedhia12 Jun 230.39 Yr.

Data below for ICICI Prudential Liquid Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.75%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent68.41%
Corporate18.11%
Government13.23%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Canara Bank
Certificate of Deposit | -
5%₹1,979 Cr40,000
Small Industries Development Bank Of India
Commercial Paper | -
4%₹1,684 Cr34,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹1,637 Cr33,000
Small Industries Development Bank Of India
Commercial Paper | -
4%₹1,485 Cr30,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹1,484 Cr30,000
91 DTB 21122023
Sovereign Bonds | -
3%₹1,412 Cr142,500,000
91 DTB 07122023
Sovereign Bonds | -
3%₹1,054 Cr106,100,400
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹996 Cr20,000
Punjab National Bank
Certificate of Deposit | -
2%₹991 Cr20,000
↑ 20,000
Canara Bank
Certificate of Deposit | -
2%₹892 Cr18,000
↓ -2,000

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 (01 Dec 23) ₹2,062.46 ↑ 0.35   (0.02 %)
Net Assets (Cr) ₹4,454 on 31 Oct 23
Category Debt - Liquid Fund
AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating
Risk Low
Expense Ratio 0.27
Sharpe Ratio 0.62
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 1 Month 5 Days
Modified Duration 1 Month 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,633
30 Nov 20₹11,053
30 Nov 21₹11,400
30 Nov 22₹11,917
30 Nov 23₹12,743

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 ₹194,235.
Net Profit of ₹14,235
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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 6.9%
3 Year 4.9%
5 Year 5%
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 221.83 Yr.
Sandeep Agarwal16 May 221.46 Yr.

Data below for Principal Cash Management Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.82%
Other0.18%
Debt Sector Allocation
SectorValue
Cash Equivalent59.68%
Government21.19%
Corporate18.95%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
11%₹478 Cr
Export-Import Bank Of India
Commercial Paper | -
4%₹174 Cr3,500
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹149 Cr3,000
364 DTB 28122023
Sovereign Bonds | -
3%₹148 Cr15,000,000
↑ 15,000,000
ICICI Bank Limited
Certificate of Deposit | -
3%₹125 Cr2,500
↓ -500
Small Industries Development Bank Of India
Commercial Paper | -
3%₹124 Cr2,500
Indian Bank
Certificate of Deposit | -
3%₹124 Cr2,500
364 DTB 26012024
Sovereign Bonds | -
3%₹123 Cr12,500,000
↑ 12,500,000
LIC Housing Finance Limited
Debentures | -
2%₹100 Cr1,000
India (Republic of)
- | -
2%₹100 Cr10,000,000

7. 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 (01 Dec 23) ₹2,825.08 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹14,111 on 31 Oct 23
Category Debt - Liquid Fund
AMC IDFC Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.23
Sharpe Ratio 0.51
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.14%
Effective Maturity 1 Month 6 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,654
30 Nov 20₹11,103
30 Nov 21₹11,458
30 Nov 22₹11,977
30 Nov 23₹12,806

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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 6.9%
3 Year 4.9%
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 158.13 Yr.
Brijesh Shah1 Dec 211.92 Yr.

Data below for IDFC Cash Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent69.14%
Corporate16.35%
Government14.52%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 17112023
Sovereign Bonds | -
6%₹805 Cr81,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
5%₹669 Cr67,500,000
91 DTB 02112023
Sovereign Bonds | -
4%₹518 Cr52,000,000
Larsen And Toubro Limited
Commercial Paper | -
4%₹498 Cr50,000,000
Punjab National Bank
Certificate of Deposit | -
4%₹495 Cr50,000,000
↑ 50,000,000
Larsen And Toubro Limited
Commercial Paper | -
4%₹474 Cr47,500,000
Bajaj Finance Limited
Commercial Paper | -
4%₹445 Cr45,000,000
Punjab National Bank
Certificate of Deposit | -
3%₹398 Cr40,000,000
HDFC Bank Limited
Certificate of Deposit | -
3%₹397 Cr40,000,000
91 DTB 23112023
Sovereign Bonds | -
3%₹397 Cr40,000,000

8. 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 (01 Dec 23) ₹24.6955 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹12,413 on 31 Oct 23
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 0.51
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 7.69%
Effective Maturity 6 Months 11 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,872
30 Nov 20₹11,608
30 Nov 21₹12,073
30 Nov 22₹12,593
30 Nov 23₹13,465

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 1 Dec 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.3%
1 Year 6.9%
3 Year 5.1%
5 Year 6.1%
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 166.96 Yr.
Ritesh Lunawat15 Jun 176.38 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash58.78%
Debt40.97%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate51.49%
Cash Equivalent25.61%
Government22.66%
Credit Quality
RatingValue
AA15.64%
AAA84.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Embassy Office Parks Reit
Debentures | -
4%₹494 Cr4,950
↑ 500
India (Republic of)
- | -
3%₹389 Cr40,000,000
LIC Housing Finance Limited
Debentures | -
2%₹296 Cr2,950
National Bank For Agriculture And Rural Development
Debentures | -
2%₹275 Cr2,750
National Bank For Agriculture And Rural Development
Debentures | -
2%₹259 Cr2,600
08.35 SBI RT SB 2024
Domestic Bonds | -
2%₹251 Cr25,000,000
Mahindra Rural Housing Finance Limited
Debentures | -
2%₹201 Cr2,000
Apollo Building Products Private Limited
Debentures | -
2%₹199 Cr20,000
Bajaj Housing Finance Limited
Debentures | -
2%₹199 Cr2,000
182 DTB 04012024
Sovereign Bonds | -
2%₹198 Cr20,000,000

9. JM Liquid Fund

(Erstwhile JM High Liquidity Fund)

To provide income by way of dividend (dividend plans) and capital gains (growth plan) through investing in debt and money market instruments.

JM Liquid Fund is a Debt - Liquid Fund fund was launched on 31 Dec 97. It is a fund with Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 3 in Liquid Fund category.  Return for 2022 was 4.8% , 2021 was 3.3% and 2020 was 4% .

Below is the key information for JM Liquid Fund

JM Liquid Fund
Growth
Launch Date 31 Dec 97
NAV (02 Dec 23) ₹63.867 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹1,896 on 31 Oct 23
Category Debt - Liquid Fund
AMC JM Financial Asset Management Limited
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.46
Information Ratio -5.36
Alpha Ratio -0.14
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.17%
Effective Maturity 22 Days
Modified Duration 21 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,681
30 Nov 20₹11,124
30 Nov 21₹11,487
30 Nov 22₹12,010
30 Nov 23₹12,841

JM 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 JM 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 1 Dec 23

DurationReturns
1 Month 0.6%
3 Month 1.7%
6 Month 3.4%
1 Year 6.9%
3 Year 4.9%
5 Year 5.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.8%
2021 3.3%
2020 4%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
Fund Manager information for JM Liquid Fund
NameSinceTenure
Shalini Tibrewala31 Dec 9725.85 Yr.
Naghma Khoja21 Oct 212.03 Yr.

Data below for JM Liquid Fund as on 31 Oct 23

Asset Allocation
Asset ClassValue
Cash99.75%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent66.45%
Corporate24.9%
Government8.4%
Credit Quality
RatingValue
AA3.1%
AAA96.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps-Triparty Repo
CBLO/Reverse Repo | -
13%₹243 Cr00
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹99 Cr2,000
Axis Bank Limited
Certificate of Deposit | -
4%₹75 Cr1,500
↑ 500
Godrej Industries Limited
Commercial Paper | -
4%₹75 Cr1,500
↑ 1,500
Bank Of Baroda
Certificate of Deposit | -
4%₹75 Cr1,500
↑ 500
Punjab National Bank
Certificate of Deposit | -
3%₹50 Cr1,000
↑ 1,000
Reliance Retail Ventures Limited
Commercial Paper | -
3%₹50 Cr1,000
↑ 1,000
HDFC Securities Limited
Commercial Paper | -
3%₹50 Cr1,000
↑ 1,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹50 Cr1,000
↑ 1,000
Birla Group Holdings Private Limited
Commercial Paper | -
3%₹50 Cr1,000

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.
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