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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 (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity 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 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 ₹3,201.89
↑ 0.69 ₹1,720 1,000 1.6 3.3 6.3 7 6.6 6.11% 1M 10D 1M 10D Indiabulls Liquid Fund Growth ₹2,687.4
↑ 0.61 ₹262 500 1.6 3.3 6.2 6.9 6.6 6.13% 1M 1D 1M 1D LIC MF Liquid Fund Growth ₹5,023
↑ 1.15 ₹16,015 1,000 1.6 3.3 6.2 6.9 6.4 6.65% 1M 8D 1M 8D Nippon India Liquid Fund Growth ₹6,781.62
↑ 1.58 ₹31,752 100 1.6 3.3 6.2 6.9 6.5 6.98% 1M 14D 1M 17D Tata Liquid Fund Growth ₹4,376.35
↑ 0.96 ₹30,449 500 1.6 3.3 6.2 6.9 6.5 6.59% 1M 6D 1M 6D ICICI Prudential Liquid Fund Growth ₹411.256
↑ 0.10 ₹58,096 99 1.6 3.3 6.2 6.9 6.5 6.46% 1M 4D 1M 7D Aditya Birla Sun Life Savings Fund Growth ₹584.478
↑ 0.32 ₹19,611 1,000 1.7 3.2 6.2 7.3 7.4 7.98% 5M 16D 6M 25D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23 Research Highlights & Commentary of 9 Funds showcased
Commentary IDBI Liquid Fund IDBI Ultra Short Term Fund BOI AXA Liquid Fund Indiabulls Liquid Fund LIC MF Liquid Fund Nippon India Liquid Fund Tata Liquid Fund ICICI Prudential Liquid Fund Aditya Birla Sun Life Savings Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹146 Cr). Lower mid AUM (₹1,720 Cr). Bottom quartile AUM (₹262 Cr). Lower mid AUM (₹16,015 Cr). Top quartile AUM (₹31,752 Cr). Upper mid AUM (₹30,449 Cr). Highest AUM (₹58,096 Cr). Upper mid AUM (₹19,611 Cr). Point 2 Established history (16+ yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (14+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Established history (21+ yrs). Established history (20+ yrs). Established history (23+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (bottom quartile). Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 5★ (top quartile). Point 4 Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.30% (upper mid). 1Y return: 6.25% (upper mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (bottom quartile). 1Y return: 6.21% (bottom quartile). 1Y return: 6.21% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.52% (bottom quartile). 1M return: 0.59% (upper mid). 1M return: 0.57% (lower mid). 1M return: 0.59% (top quartile). 1M return: 0.58% (lower mid). 1M return: 0.57% (bottom quartile). 1M return: 0.59% (upper mid). 1M return: 0.64% (top quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 2.65 (top quartile). Sharpe: 2.32 (upper mid). Sharpe: 1.89 (lower mid). Sharpe: 1.97 (lower mid). Sharpe: 2.42 (top quartile). Sharpe: 2.01 (upper mid). Sharpe: 0.52 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 2.14 (top quartile). Information ratio: 0.76 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.45 (upper mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (upper mid). Yield to maturity (debt): 6.83% (upper mid). Yield to maturity (debt): 6.11% (bottom quartile). Yield to maturity (debt): 6.13% (bottom quartile). Yield to maturity (debt): 6.65% (lower mid). Yield to maturity (debt): 6.98% (top quartile). Yield to maturity (debt): 6.59% (lower mid). Yield to maturity (debt): 6.46% (bottom quartile). Yield to maturity (debt): 7.98% (top quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.46 yrs (bottom quartile). IDBI Liquid Fund
IDBI Ultra Short Term Fund
BOI AXA Liquid Fund
Indiabulls Liquid Fund
LIC MF Liquid Fund
Nippon India Liquid Fund
Tata Liquid Fund
ICICI Prudential Liquid Fund
Aditya Birla Sun Life Savings Fund
The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized. Below is the key information for IDBI Liquid 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 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 An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. Research Highlights for LIC MF Liquid Fund Below is the key information for LIC MF Liquid Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury Plan) The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Research Highlights for Nippon India Liquid Fund Below is the key information for Nippon India 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 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. Research Highlights for ICICI Prudential Liquid Fund Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on 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. Research Highlights for Aditya Birla Sun Life Savings Fund Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on 1. 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,363 30 Jun 23 ₹11,026 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 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 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 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 2. 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,395 30 Jun 23 ₹11,045 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 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 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 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 3. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (09 Jul 26) ₹3,201.89 ↑ 0.69 (0.02 %) Net Assets (Cr) ₹1,720 on 31 May 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 2.65 Information Ratio 2.14 Alpha Ratio 0.1 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.11% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,363 30 Jun 23 ₹11,033 30 Jun 24 ₹11,845 30 Jun 25 ₹12,702 30 Jun 26 ₹13,508 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.3% 3 Year 7% 5 Year 6.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 4.87 Yr. Data below for BOI AXA Liquid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 99.66% Other 0.34% Debt Sector Allocation
Sector Value Cash Equivalent 78.23% Government 12.25% Corporate 9.17% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -6% ₹99 Cr 10,000,000 India (Republic of)
- | -6% ₹99 Cr 10,000,000 Power Finance Corporation Limited
Commercial Paper | -5% ₹75 Cr 7,500,000
↑ 2,500,000 Bank of Baroda
Debentures | -5% ₹74 Cr 7,500,000 Kotak Mahindra Bank Ltd.
Debentures | -5% ₹74 Cr 7,500,000
↑ 7,500,000 Indian Bank
Domestic Bonds | -4% ₹70 Cr 7,000,000
↑ 7,000,000 NTPC Ltd.
Commercial Paper | -4% ₹65 Cr 6,500,000 Net Receivables / (Payables)
Net Current Assets | -3% ₹53 Cr Union Bank Of India
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Tbill
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↓ -2,500,000 4. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (09 Jul 26) ₹2,687.4 ↑ 0.61 (0.02 %) Net Assets (Cr) ₹262 on 31 May 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 2.32 Information Ratio 0.76 Alpha Ratio 0.04 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.13% Effective Maturity 1 Month 1 Day Modified Duration 1 Month 1 Day Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,329 30 Jun 23 ₹10,957 30 Jun 24 ₹11,753 30 Jun 25 ₹12,601 30 Jun 26 ₹13,392 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 3.14 Yr. Wilfred Gonsalves 4 May 26 0.16 Yr. Data below for Indiabulls Liquid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 99.71% Debt 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 70.54% Corporate 26.3% Government 3.16% Credit Quality
Rating Value AAA 99.65% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo 16-Jun-26
CBLO/Reverse Repo | -18% ₹44 Cr Canara Bank
Domestic Bonds | -10% ₹25 Cr 2,500,000 HDFC Bank Limited
Certificate of Deposit | -10% ₹25 Cr 2,500,000 Hindustan Petroleum Corp Ltd.
Commercial Paper | -10% ₹24 Cr 2,400,000
↑ 2,400,000 Union Bank Of India
Certificate of Deposit | -10% ₹24 Cr 2,400,000
↑ 2,400,000 Bajaj Finance Ltd.
Commercial Paper | -9% ₹22 Cr 2,200,000
↑ 2,200,000 Kotak Mahindra Prime Limited
Commercial Paper | -8% ₹20 Cr 2,000,000
↑ 2,000,000 Punjab National Bank
Debentures | -6% ₹15 Cr 1,500,000
↑ 1,500,000 Axis Bank Limited
Certificate of Deposit | -6% ₹15 Cr 1,500,000
↑ 1,500,000 Small Industries Development Bank of India
Commercial Paper | -6% ₹15 Cr 1,500,000
↑ 1,500,000 5. LIC MF Liquid Fund
LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (09 Jul 26) ₹5,023 ↑ 1.15 (0.02 %) Net Assets (Cr) ₹16,015 on 31 May 26 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 1.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.65% Effective Maturity 1 Month 8 Days Modified Duration 1 Month 8 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,351 30 Jun 23 ₹11,006 30 Jun 24 ₹11,809 30 Jun 25 ₹12,649 30 Jun 26 ₹13,440 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.4% 2024 7.4% 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 10.74 Yr. Aakash Dhulia 1 Sep 25 0.83 Yr. Data below for LIC MF Liquid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 79.97% Government 13.7% Corporate 6.12% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹669 Cr 67,500,000
↑ 2,500,000 India (Republic of)
- | -4% ₹596 Cr 60,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹493 Cr 10,000
↑ 10,000 Motilal Oswal Financial Services Ltd
Commercial Paper | -3% ₹400 Cr 8,000 Titan Co Ltd.
Commercial Paper | -2% ₹369 Cr 7,500
↑ 7,500 India (Republic of)
- | -2% ₹355 Cr 35,706,700 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹350 Cr 7,000 09/07/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹349 Cr 35,000,000 India (Republic of)
- | -2% ₹348 Cr 35,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹345 Cr 7,000
↑ 7,000 6. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (09 Jul 26) ₹6,781.62 ↑ 1.58 (0.02 %) Net Assets (Cr) ₹31,752 on 31 May 26 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 1.97 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.98% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 14 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,353 30 Jun 23 ₹11,011 30 Jun 24 ₹11,810 30 Jun 25 ₹12,654 30 Jun 26 ₹13,447 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 8.11 Yr. Vikash Agarwal 14 Sep 24 1.79 Yr. Amber Singhania 11 Mar 26 0.31 Yr. Data below for Nippon India Liquid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 99.61% Debt 0.17% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 85.08% Government 8.26% Corporate 6.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -5% ₹2,077 Cr Reverse Repo
CBLO/Reverse Repo | -3% ₹1,513 Cr National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹997 Cr 20,000
↓ -5,000 India (Republic of)
- | -2% ₹990 Cr 99,500,000
↑ 500,000 Indian Oil Corp Ltd.
Commercial Paper | -2% ₹774 Cr 15,500
↑ 15,500 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹749 Cr 15,000 Ntpc Ltd
Commercial Paper | -2% ₹746 Cr 15,000 IDBI Bank Limited (Industrial Development Bank Of India Ltd)
Certificate of Deposit | -2% ₹742 Cr 15,000
↑ 15,000 Small Industries Development Bank of India
Commercial Paper | -2% ₹738 Cr 15,000
↑ 15,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹738 Cr 15,000
↑ 15,000 7. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (09 Jul 26) ₹4,376.35 ↑ 0.96 (0.02 %) Net Assets (Cr) ₹30,449 on 31 May 26 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 2.42 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.59% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,354 30 Jun 23 ₹11,008 30 Jun 24 ₹11,807 30 Jun 25 ₹12,654 30 Jun 26 ₹13,447 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Tata Liquid Fund
Name Since Tenure Harsh Dave 1 Aug 24 1.91 Yr. Dhawal Joshi 1 Jun 26 0.08 Yr. Data below for Tata Liquid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 83.84% Corporate 9.35% Government 6.62% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -3% ₹1,093 Cr 110,000,000 Indian Oil Corp Ltd.
Commercial Paper | -3% ₹999 Cr 20,000
↑ 20,000 NTPC Ltd.
Commercial Paper | -3% ₹999 Cr 20,000
↑ 20,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹987 Cr 20,000 Bank of Baroda
Debentures | -3% ₹986 Cr 20,000
↑ 20,000 Export-Import Bank of India
Commercial Paper | -3% ₹985 Cr 20,000
↑ 20,000 Bank of Baroda
Debentures | -2% ₹900 Cr 18,000 India (Republic of)
- | -2% ₹891 Cr 90,000,000
↑ 40,000,000 (C) Treps
CBLO/Reverse Repo | -2% ₹880 Cr 23/07/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹816 Cr 82,000,000 8. ICICI Prudential Liquid Fund
ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (09 Jul 26) ₹411.256 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹58,096 on 31 May 26 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 2.01 Information Ratio 0.45 Alpha Ratio -0.03 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 6.46% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 4 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,352 30 Jun 23 ₹11,011 30 Jun 24 ₹11,812 30 Jun 25 ₹12,657 30 Jun 26 ₹13,447 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.3% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.4% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 2.58 Yr. Darshil Dedhia 12 Jun 23 3.05 Yr. Data below for ICICI Prudential Liquid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 99.6% Debt 0.16% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 83.21% Government 11.56% Corporate 5% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -7% ₹4,592 Cr India (Republic of)
- | -4% ₹2,623 Cr 265,000,000
↑ 65,000,000 Reverse Repo
CBLO/Reverse Repo | -4% ₹2,439 Cr Citi Bank
Net Current Assets | -3% ₹1,748 Cr 35,000
↑ 35,000 Canara Bank
Domestic Bonds | -3% ₹1,627 Cr 33,000
↑ 33,000 India (Republic of)
- | -2% ₹1,482 Cr 150,000,000
↑ 150,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹1,479 Cr 30,000
↑ 30,000 Bank of India Ltd.
Debentures | -2% ₹1,479 Cr 30,000
↑ 30,000 Net Current Assets
Net Current Assets | -2% ₹1,436 Cr India (Republic of)
- | -2% ₹1,394 Cr 139,500,000
↓ -220,500,000 9. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (09 Jul 26) ₹584.478 ↑ 0.32 (0.05 %) Net Assets (Cr) ₹19,611 on 31 May 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 0.52 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.98% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,384 30 Jun 23 ₹11,065 30 Jun 24 ₹11,889 30 Jun 25 ₹12,852 30 Jun 26 ₹13,668 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.2% 1 Year 6.2% 3 Year 7.3% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.9% 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 12.04 Yr. Kaustubh Gupta 15 Jul 11 14.97 Yr. Monika Gandhi 22 Mar 21 5.28 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 30.43% Debt 69.22% Other 0.36% Debt Sector Allocation
Sector Value Corporate 68.02% Government 17.43% Cash Equivalent 14.18% Credit Quality
Rating Value AA 29.9% AAA 70.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹987 Cr 100,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -4% ₹748 Cr 15,800 Shriram Finance Limited
Debentures | -3% ₹607 Cr 60,000 HDFC Bank Ltd.
Debentures | -3% ₹540 Cr 11,000 Bharti Telecom Limited
Debentures | -2% ₹396 Cr 40,000 Muthoot Finance Limited
Debentures | -2% ₹348 Cr 35,000 Vedanta Limited
Debentures | -2% ₹329 Cr 32,500 Mankind Pharma Limited
Debentures | -2% ₹320 Cr 32,000 Avanse Financial Services Limited
Debentures | -2% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -2% ₹297 Cr 30,000
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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Research Highlights for IDBI Liquid Fund