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সেরা SIP পরিকল্পনা? কিভাবে তাদের নির্বাচন করতে? এগুলি এমন কিছু সাধারণ প্রশ্ন যা চিন্তা করার সময় বিনিয়োগকারীদের মনে আসেমিউচুয়াল ফান্ডে বিনিয়োগ একটি মাধ্যমেচুমুক বা পদ্ধতিগতবিনিয়োগ পরিকল্পনা.
এসআইপি বিনিয়োগ সবচেয়ে সুশৃঙ্খল একবিনিয়োগ বিনিয়োগ করার সময় বিকল্পযৌথ পুঁজি. অধিকন্তু, একটি SIP মিউচুয়াল ফান্ডে বিনিয়োগের ন্যূনতম পরিমাণ INR 500-এর মতো কম। এতে বিনিয়োগ করা হয়শীর্ষ SIP অনেক সুবিধাজনক পরিকল্পনা.
কেন একটি এসআইপি বিনিয়োগ?
মিউচুয়াল ফান্ডে SIP বিনিয়োগ হল সঞ্চয়ের অভ্যাস গড়ে তোলার সবচেয়ে সুবিধাজনক উপায়। খুব প্রায়ই উপার্জনকারী তরুণ প্রজন্মের মানুষ অনেক সঞ্চয় না. একটি সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যানের জন্য একজনকে প্রচুর পরিমাণে বিনিয়োগের প্রয়োজন হয় না কারণ শুরুর পরিমাণ 500 টাকার মতো, এবং কিছু তহবিল এমনকি INR 100 মাসে SIP অফার করে। অল্প বয়স থেকেই, কেউ তাদের সঞ্চয়কে বিনিয়োগের একটি ফর্ম হিসাবে তৈরি করার অভ্যাস করতে পারে। SIP, এর ফলে প্রতি মাসে একটি নির্দিষ্ট পরিমাণ সংরক্ষণ করা হবে। পদ্ধতিগত বিনিয়োগ পরিকল্পনা তাই স্মার্ট বিনিয়োগের অন্যতম গুরুত্বপূর্ণ হাতিয়ার।
এসআইপি আপনাকে আপনার জন্য প্রস্তুত করতে সহায়তা করেআর্থিক লক্ষ্য ঝামেলামুক্ত পদ্ধতিতে। একটি এসআইপি থাকা অত্যন্ত সুবিধাজনক কারণ মিউচুয়াল ফান্ডগুলির কাগজপত্র শুধুমাত্র একবার করা প্রয়োজন যার পরে মাসিক পরিমাণগুলি থেকে ডেবিট করা হয়ব্যাংক হস্তক্ষেপ ছাড়াই সরাসরি অ্যাকাউন্ট। ফলস্বরূপ, SIP-এর জন্য অন্যান্য বিনিয়োগ এবং সঞ্চয় বিকল্পগুলির জন্য প্রয়োজনীয় প্রচেষ্টার প্রয়োজন হয় না।
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22 - 23 অর্থবছরে 1 বছরের বিনিয়োগের জন্য সেরা SIP পরিকল্পনা৷
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 ₹572.749
↑ 0.41 ₹21,467 1,000 1.2 2.8 6.8 7.3 7.4 7.14% 5M 23D 6M 18D 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 ICICI Prudential Ultra Short Term Fund Growth ₹28.9075
↑ 0.03 ₹14,897 1,000 1.3 2.8 6.5 7 7.1 7.11% 5M 8D 6M 14D 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 Kotak Savings Fund Growth ₹44.6959
↑ 0.05 ₹16,105 1,000 1.3 2.8 6.3 6.9 6.8 7.12% 5M 23D 6M 18D Nippon India Ultra Short Duration Fund Growth ₹4,199.17
↑ 3.30 ₹10,672 100 1.3 2.8 6.3 6.8 6.8 7.27% 5M 13D 7M 28D Indiabulls Liquid Fund Growth ₹2,633.91
↑ 0.79 ₹193 500 1.4 2.9 6.2 6.8 6.6 5.55% 17D 17D Tata Liquid Fund Growth ₹4,289.77
↑ 1.04 ₹33,869 500 1.4 2.9 6.2 6.9 6.5 6.21% 1M 7D 1M 7D Invesco India Ultra Short Term Fund Growth ₹2,807.9
↑ 1.56 ₹1,292 1,000 1.2 2.6 6.2 6.9 6.8 6.95% 5M 2D 5M 10D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Mar 26 Research Highlights & Commentary of 9 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund IDBI Liquid Fund ICICI Prudential Ultra Short Term Fund IDBI Ultra Short Term Fund Kotak Savings Fund Nippon India Ultra Short Duration Fund Indiabulls Liquid Fund Tata Liquid Fund Invesco India Ultra Short Term Fund Point 1 Top quartile AUM (₹21,467 Cr). Bottom quartile AUM (₹503 Cr). Upper mid AUM (₹14,897 Cr). Bottom quartile AUM (₹146 Cr). Upper mid AUM (₹16,105 Cr). Lower mid AUM (₹10,672 Cr). Bottom quartile AUM (₹193 Cr). Highest AUM (₹33,869 Cr). Lower mid AUM (₹1,292 Cr). Point 2 Established history (22+ yrs). Established history (15+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (14+ yrs). Established history (21+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderate. Point 5 1Y return: 6.77% (top quartile). 1Y return: 6.55% (top quartile). 1Y return: 6.54% (upper mid). 1Y return: 6.39% (upper mid). 1Y return: 6.35% (lower mid). 1Y return: 6.30% (lower mid). 1Y return: 6.23% (bottom quartile). 1Y return: 6.22% (bottom quartile). 1Y return: 6.20% (bottom quartile). Point 6 1M return: 0.28% (bottom quartile). 1M return: 0.53% (top quartile). 1M return: 0.31% (bottom quartile). 1M return: 0.52% (top quartile). 1M return: 0.36% (lower mid). 1M return: 0.33% (lower mid). 1M return: 0.41% (upper mid). 1M return: 0.42% (upper mid). 1M return: 0.31% (bottom quartile). Point 7 Sharpe: 2.39 (upper mid). Sharpe: 0.20 (bottom quartile). Sharpe: 2.28 (upper mid). Sharpe: -0.57 (bottom quartile). Sharpe: 1.80 (lower mid). Sharpe: 1.90 (lower mid). Sharpe: 2.65 (top quartile). Sharpe: 2.84 (top quartile). Sharpe: 1.54 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: -5.96 (bottom quartile). 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: -0.47 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.14% (top quartile). Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 7.11% (upper mid). Yield to maturity (debt): 6.83% (lower mid). Yield to maturity (debt): 7.12% (upper mid). Yield to maturity (debt): 7.27% (top quartile). Yield to maturity (debt): 5.55% (bottom quartile). Yield to maturity (debt): 6.21% (bottom quartile). Yield to maturity (debt): 6.95% (lower mid). Point 10 Modified duration: 0.48 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.44 yrs (lower mid). Modified duration: 0.19 yrs (upper mid). Modified duration: 0.48 yrs (bottom quartile). Modified duration: 0.45 yrs (bottom quartile). Modified duration: 0.05 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.42 yrs (lower mid). Aditya Birla Sun Life Savings Fund
IDBI Liquid Fund
ICICI Prudential Ultra Short Term Fund
IDBI Ultra Short Term Fund
Kotak Savings Fund
Nippon India Ultra Short Duration Fund
Indiabulls Liquid Fund
Tata Liquid Fund
Invesco India Ultra Short Term 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 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 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 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 (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 To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on (Erstwhile TATA Money Market Fund ) To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Research Highlights for Tata Liquid Fund Below is the key information for Tata Liquid Fund Returns up to 1 year are on (Erstwhile 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 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (27 Mar 26) ₹572.749 ↑ 0.41 (0.07 %) Net Assets (Cr) ₹21,467 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 2.39 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,424 28 Feb 23 ₹10,957 29 Feb 24 ₹11,766 28 Feb 25 ₹12,673 28 Feb 26 ₹13,576 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 Mar 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.8% 1 Year 6.8% 3 Year 7.3% 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 11.7 Yr. Kaustubh Gupta 15 Jul 11 14.64 Yr. Monika Gandhi 22 Mar 21 4.94 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 42.74% Debt 56.94% Other 0.32% Debt Sector Allocation
Sector Value Corporate 57.02% Cash Equivalent 26.95% Government 15.71% Credit Quality
Rating Value AA 30.53% AAA 69.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Money Mgr Dir Gr
Investment Fund | -5% ₹1,101 Cr 28,181,297
↑ 28,181,297 Shriram Finance Limited
Debentures | -3% ₹612 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹545 Cr 54,000 Bharti Telecom Limited
Debentures | -2% ₹399 Cr 40,000 Muthoot Finance Limited
Debentures | -2% ₹351 Cr 35,000 Mankind Pharma Limited
Debentures | -1% ₹321 Cr 32,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹303 Cr 30,000 Avanse Financial Services Limited
Debentures | -1% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹297 Cr 30,000 Piramal Finance Limited
Debentures | -1% ₹286 Cr 28,500
↑ 3,500 2. 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 28 Feb 21 ₹10,000 28 Feb 22 ₹10,345 28 Feb 23 ₹10,897 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 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 3. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (27 Mar 26) ₹28.9075 ↑ 0.03 (0.09 %) Net Assets (Cr) ₹14,897 on 15 Mar 26 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.28 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 7.11% Effective Maturity 6 Months 14 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,405 28 Feb 23 ₹10,919 29 Feb 24 ₹11,703 28 Feb 25 ₹12,559 28 Feb 26 ₹13,419 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 Mar 26 Duration Returns 1 Month 0.3% 3 Month 1.3% 6 Month 2.8% 1 Year 6.5% 3 Year 7% 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 9.29 Yr. Ritesh Lunawat 15 Jun 17 8.71 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 81.75% Debt 17.96% Other 0.29% Debt Sector Allocation
Sector Value Corporate 57.93% Cash Equivalent 56.29% Credit Quality
Rating Value AA 20.78% AAA 79.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹454 Cr 450 Vedanta Limited
Debentures | -2% ₹353 Cr 35,000 Goi Floating Rate Bond 2028
Sovereign Bonds | -2% ₹311 Cr 30,773,600 Muthoot Finance Limited
Debentures | -2% ₹303 Cr 30,000 Piramal Finance Limited
Debentures | -1% ₹246 Cr 24,500 AU Small Finance Bank Ltd.
Debentures | -1% ₹236 Cr 5,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹201 Cr 20,000 Nuvama Wealth Finance Limited
Debentures | -1% ₹201 Cr 20,000 Motilal Oswal Home Finance Limited
Debentures | -1% ₹201 Cr 20,000 05/03/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹200 Cr 20,000,000 4. 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 28 Feb 21 ₹10,000 28 Feb 22 ₹10,390 28 Feb 23 ₹10,901 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 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 5. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (27 Mar 26) ₹44.6959 ↑ 0.05 (0.10 %) Net Assets (Cr) ₹16,105 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 1.8 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 18 Days Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,342 28 Feb 23 ₹10,844 29 Feb 24 ₹11,605 28 Feb 25 ₹12,429 28 Feb 26 ₹13,252 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 26 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.3% 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 17.89 Yr. Manu Sharma 1 Nov 22 3.33 Yr. Data below for Kotak Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 43.26% Debt 56.45% Other 0.29% Debt Sector Allocation
Sector Value Corporate 54.19% Cash Equivalent 25.02% Government 20.51% Credit Quality
Rating Value AA 13.57% AAA 86.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹579 Cr 57,500 Bank of Baroda
Debentures | -4% ₹564 Cr 60,000 Tamil Nadu (Government of) 0.0654%
- | -3% ₹450 Cr 45,000,000
↑ 45,000,000 6.9% Maharashtra Sgs 2030
Sovereign Bonds | -2% ₹302 Cr 30,000,000
↑ 30,000,000 Mankind Pharma Limited
Debentures | -2% ₹301 Cr 30,000 21/05/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹247 Cr 25,000,000 06/08/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹244 Cr 25,000,000 Small Industries Development Bank of India
Debentures | -1% ₹235 Cr 25,000 HDFC Bank Ltd.
Debentures | -1% ₹234 Cr 25,000
↑ 25,000 Small Industries Development Bank of India
Debentures | -1% ₹234 Cr 25,000
↑ 25,000 6. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (27 Mar 26) ₹4,199.17 ↑ 3.30 (0.08 %) Net Assets (Cr) ₹10,672 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 1.9 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.27% Effective Maturity 7 Months 28 Days Modified Duration 5 Months 13 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,793 28 Feb 23 ₹11,321 29 Feb 24 ₹12,103 28 Feb 25 ₹12,968 28 Feb 26 ₹13,821 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 Mar 26 Duration Returns 1 Month 0.3% 3 Month 1.3% 6 Month 2.8% 1 Year 6.3% 3 Year 6.8% 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 12.42 Yr. Kinjal Desai 25 May 18 7.77 Yr. Akshay Sharma 1 Dec 22 3.25 Yr. Lokesh Maru 5 Sep 25 0.48 Yr. Divya Sharma 5 Sep 25 0.48 Yr. Data below for Nippon India Ultra Short Duration Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 50.21% Debt 49.51% Other 0.29% Debt Sector Allocation
Sector Value Corporate 58.39% Cash Equivalent 36.66% Government 3.95% Securitized 0.71% Credit Quality
Rating Value AA 35.75% AAA 64.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹285 Cr 28,500 JSW Energy Limited
Debentures | -2% ₹250 Cr 25,000 16/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹248 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% ₹213 Cr 21,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹200 Cr 20,000 Embassy Office Parks Reit
Debentures | -2% ₹200 Cr 2,000 10/04/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹199 Cr 20,000,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹194 Cr 1,950 7. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (27 Mar 26) ₹2,633.91 ↑ 0.79 (0.03 %) Net Assets (Cr) ₹193 on 15 Mar 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 2.65 Information Ratio -0.47 Alpha Ratio -0.02 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.55% Effective Maturity 17 Days Modified Duration 17 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,302 28 Feb 23 ₹10,826 29 Feb 24 ₹11,581 28 Feb 25 ₹12,425 28 Feb 26 ₹13,214 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 26 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.9% 1 Year 6.2% 3 Year 6.8% 5 Year 5.8% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 6.8% 2021 4.6% 2020 3.1% 2019 3.9% 2018 6.6% 2017 7.3% 2016 6.7% 2015 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 2.81 Yr. Data below for Indiabulls Liquid Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 99.57% Debt 0.43% Debt Sector Allocation
Sector Value Cash Equivalent 49.42% Corporate 35.43% Government 15.15% Credit Quality
Rating Value AAA 99.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank Of Baroda
Certificate of Deposit | -11% ₹17 Cr 1,750,000 Canara Bank
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Kotak Mahindra Bank Ltd.
Debentures | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Axis Bank Limited
Certificate of Deposit | -9% ₹15 Cr 1,500,000 Aditya Birla Capital Limited
Commercial Paper | -9% ₹15 Cr 1,500,000 Export-Import Bank Of India
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 500,000 HDFC Securities Ltd
Commercial Paper | -9% ₹15 Cr 1,500,000 Reverse Repo 02-Mar-26
CBLO/Reverse Repo | -7% ₹12 Cr Net Receivable/Payable
Net Current Assets | -6% ₹10 Cr India (Republic of)
- | -6% ₹10 Cr 1,000,000
↑ 1,000,000 8. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (27 Mar 26) ₹4,289.77 ↑ 1.04 (0.02 %) Net Assets (Cr) ₹33,869 on 15 Mar 26 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 2.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.21% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,331 28 Feb 23 ₹10,871 29 Feb 24 ₹11,650 28 Feb 25 ₹12,494 28 Feb 26 ₹13,285 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Mar 26 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.9% 1 Year 6.2% 3 Year 6.9% 5 Year 5.9% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.6% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for Tata Liquid Fund
Name Since Tenure Amit Somani 16 Oct 13 12.38 Yr. Harsh Dave 1 Aug 24 1.58 Yr. Data below for Tata Liquid Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 83.28% Corporate 16.22% Government 0.3% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -5% ₹1,755 Cr 176,500,000
↑ 1,500,000 (C) Treps
CBLO/Reverse Repo | -5% ₹1,679 Cr Small Industries Development Bank of India
Commercial Paper | -4% ₹1,494 Cr 30,000 Indian Overseas Bank
Debentures | -4% ₹1,469 Cr 29,500 National Bank for Agriculture and Rural Development
Certificate of Deposit | -4% ₹1,221 Cr 24,500 02/04/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹1,135 Cr 114,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹1,059 Cr 21,500
↑ 21,500 Bajaj Financial Securities Limited
Commercial Paper | -3% ₹990 Cr 20,000 National Bank For Agriculture & Rural Development
Commercial Paper | -3% ₹985 Cr 20,000 Reliance Jio Infocomm Ltd.
Commercial Paper | -3% ₹898 Cr 18,000 9. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (27 Mar 26) ₹2,807.9 ↑ 1.56 (0.06 %) Net Assets (Cr) ₹1,292 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.95% Effective Maturity 5 Months 10 Days Modified Duration 5 Months 2 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,319 28 Feb 23 ₹10,782 29 Feb 24 ₹11,554 28 Feb 25 ₹12,382 28 Feb 26 ₹13,184 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 Mar 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.6% 1 Year 6.2% 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 6.16 Yr. Vikas Garg 27 Jul 21 4.59 Yr. Data below for Invesco India Ultra Short Term Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 49.09% Debt 50.6% Other 0.31% Debt Sector Allocation
Sector Value Corporate 43.48% Cash Equivalent 38.87% Government 17.34% Credit Quality
Rating Value AA 14.65% AAA 85.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -8% ₹100 Cr 10,000,000 Rec Limited
Debentures | -6% ₹75 Cr 7,500,000 India (Republic of)
- | -6% ₹74 Cr 7,500,000
↑ 7,500,000 Small Industries Development Bank Of India
Debentures | -5% ₹65 Cr 6,500,000 Export Import Bank Of India
Debentures | -4% ₹50 Cr 5,000,000 Bank of Baroda
Debentures | -4% ₹47 Cr 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
মিউচুয়াল ফান্ড এসআইপি অনলাইনে কীভাবে বিনিয়োগ করবেন?
Fincash.com এ আজীবনের জন্য বিনামূল্যে বিনিয়োগ অ্যাকাউন্ট খুলুন।
আপনার রেজিস্ট্রেশন এবং KYC প্রক্রিয়া সম্পূর্ণ করুন
নথি আপলোড করুন (প্যান, আধার, ইত্যাদি)।এবং, আপনি বিনিয়োগ করতে প্রস্তুত!
FAQs
1. SIP-এ মেয়াদকালের গুরুত্ব কী?
ক: আপনি যখন এসআইপি নির্বাচন করেন, আপনার প্রথম যে বিষয়টি বিবেচনা করা উচিত তা হল মেয়াদ। মেয়াদ পরীক্ষা করা এবং তারপর বিনিয়োগ করা একটি ভাল ধারণা কারণ মেয়াদ শেষ করার আগে আপনার বিনিয়োগ বন্ধ করা উচিত নয়। যদি আপনি তা করেন, তাহলে আপনাকে এক্সিট লোড আকারে জরিমানা দিতে হতে পারে।
2. এক বছরের এসআইপি কি ভাল?
ক: হ্যাঁ, এক বছরের এসআইপি ভালো, বিশেষ করে যদি আপনি দ্রুত রিটার্ন খুঁজছেন। সাধারণত, এক বছরের SIP-এর সাহায্যে, আপনি আপনার ফান্ড পোর্টফোলিওর উপর নির্ভর করে আপনার বিনিয়োগে 4.2% থেকে 6.2% পর্যন্ত ROI আশা করতে পারেন।
3. কেন আমি এক বছরের এসআইপিতে বিনিয়োগ করব?
ক: আপনি যদি মিউচুয়াল ফান্ড বিনিয়োগে নতুন হন এবং বিনিয়োগের পোর্টফোলিওতে বৈচিত্র্য আনার পরিকল্পনা করছেন তাহলে এক বছরের এসআইপিগুলি কার্যকর।
4. এক বছরের এসআইপি কি ভাল রিটার্ন দেয়?
ক: এক বছরের এসআইপিগুলি তরুণ বিনিয়োগকারীদের মধ্যে জনপ্রিয়তা অর্জন করছে কারণ এগুলি ভাল এবং দ্রুত রিটার্ন দেয়৷ আপনি যদি মিউচুয়াল ফান্ড বুঝতে চানবাজার, তাহলে এক বছরের এসআইপি একটি ভাল ধারণা।
5. সমস্ত SIP কি ভাল রিটার্ন দেয়?
ক: এসআইপি হল আপনার বিনিয়োগ পোর্টফোলিওকে বৈচিত্র্যময় করার সর্বোত্তম উপায়গুলির মধ্যে একটি এবং ভাল রিটার্ন দেওয়ার জন্য পরিচিত। এটি আপনাকে আপনি যে তহবিলগুলি বিনিয়োগ করতে চান এবং পরিমাণও চয়ন করতে দেয়৷ আপনি নিয়মিত বিরতিতে অল্প পরিমাণে বিনিয়োগ করার সুযোগ পাবেন।
6. সমস্ত এসআইপি কি লার্জ-ক্যাপ স্টক অন্তর্ভুক্ত করে?
ক: অনুযায়ীসেবি আদেশ, SIP বিনিয়োগকারীদের বিনিয়োগকারী এবং কোম্পানিগুলিকে রক্ষা করার জন্য 70:20:10 প্রোটোকল অনুসরণ করতে হবে। এই নিয়ম অনুসারে, ইক্যুইটি বিনিয়োগের 70% হবে বড়-ক্যাপ স্টকগুলিতে, 20%মিড-ক্যাপ স্টক, এবং 10% ইনছোট টুপি স্টক তাই এসআইপি বিনিয়োগকে বৈচিত্র্যময় করে, এবং সবগুলি শুধুমাত্র বড়-ক্যাপ স্টকগুলিতে কেন্দ্রীভূত হয় না।
7. SIP তে কি সর্বোচ্চ এবং সর্বনিম্ন পরিমাণ বিনিয়োগ করা যেতে পারে?
ক: আপনি SIP-এ বিনিয়োগ করতে পারেন এমন ন্যূনতম পরিমাণ টাকা হল 500 টাকা। যাইহোক, এসআইপিতে বিনিয়োগের কোন ঊর্ধ্বসীমা নেই। আপনি আপনার ফান্ড ম্যানেজারের সাথে এটি পরিকল্পনা করতে পারেন।
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
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