+91-22-48913909লিকুইড মিউচুয়াল ফান্ড: কীভাবে বেছে নেবেন?
তরলযৌথ পুঁজি মূলত হয়অর্থ বাজার (ঋণ) তহবিল যা ছোট মেয়াদের অর্থ বিনিয়োগ করেবাজার ট্রেজারি বিল, মেয়াদি আমানত, জমার শংসাপত্র, বাণিজ্যিক কাগজপত্র ইত্যাদি সহ উপকরণ। সাধারণত, লিকুইড মিউচুয়াল ফান্ড হল আপনার অর্থ অল্প সময়ের জন্য বিনিয়োগ করার বিকল্প। সিকিউরিটিজ যে অংশতরল তহবিল 91 দিনের কম সময়ের পরিপক্কতা আছে। লিকুইড ফান্ডের কোনো লক-ইন পিরিয়ড থাকে না তাই বিনিয়োগকৃত সম্পদ দীর্ঘ সময়ের জন্য আবদ্ধ থাকে না, এইভাবে আপনার অর্থ উপলব্ধ থাকে। তরল তহবিলের রিটার্নগুলি অস্থির হয় কারণ তারা আর্থিক বাজারে তহবিলের কার্যকারিতার উপর নির্ভরশীল। নির্বাচন করাসেরা তরল তহবিল একটি কঠিন কাজ, যাইহোক, কেউ তাদের বিচার করতে নির্দিষ্ট পরামিতি ব্যবহার করতে পারেন।
লিকুইড মিউচুয়াল ফান্ড নির্বাচন করতে যে মৌলিক পরামিতিগুলি ব্যবহার করা যেতে পারে তা নিম্নরূপ:
- রিটার্ন বা অতীত ট্র্যাক রেকর্ড
- পোর্টফোলিও এবং পরিপক্কতা প্রোফাইল
- তারল্য এবং তহবিলের আকার
- একটি রেটিং এজেন্সি দ্বারা কর্মক্ষমতা রেটিং
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1. লিকুইড ফান্ড রিটার্ন
বিভিন্ন লিকুইড ফান্ডে রিটার্ন দেখছেন:
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D Axis Liquid Fund Growth ₹3,096.21
↑ 0.73 ₹56,168 0.6 1.6 3.3 6.3 6.6 6.23% 1M 5D 1M 5D Edelweiss Liquid Fund Growth ₹3,555.61
↑ 0.88 ₹15,222 0.6 1.6 3.3 6.3 6.5 6.51% 1M 6D 1M 6D BOI AXA Liquid Fund Growth ₹3,201.89
↑ 0.69 ₹1,720 0.6 1.6 3.3 6.3 6.6 6.11% 1M 10D 1M 10D DSP Liquidity Fund Growth ₹3,968.81
↑ 0.95 ₹19,019 0.6 1.6 3.3 6.3 6.5 0% 1M 1D PGIM India Insta Cash Fund Growth ₹361.854
↑ 0.07 ₹612 0.6 1.6 3.3 6.3 6.5 6.57% 1M 10D 1M 10D UTI Liquid Cash Plan Growth ₹455.995
↑ 0.10 ₹33,248 0.6 1.6 3.3 6.3 6.5 6.62% 1M 5D 1M 6D Aditya Birla Sun Life Liquid Fund Growth ₹447.887
↑ 0.09 ₹47,520 0.6 1.6 3.3 6.3 6.5 7.01% 1M 17D 1M 20D Invesco India Liquid Fund Growth ₹3,820.25
↑ 0.94 ₹14,989 0.6 1.6 3.3 6.3 6.5 6.56% 30D 1M 1D Indiabulls Liquid Fund Growth ₹2,687.4
↑ 0.61 ₹262 0.6 1.6 3.3 6.2 6.6 6.13% 1M 1D 1M 1D Canara Robeco Liquid Growth ₹3,344.73
↑ 0.87 ₹7,519 0.6 1.6 3.3 6.2 6.5 6.18% 1M 8D 1M 10D LIC MF Liquid Fund Growth ₹5,023
↑ 1.15 ₹16,015 0.6 1.6 3.3 6.2 6.4 6.65% 1M 8D 1M 8D Nippon India Liquid Fund Growth ₹6,781.62
↑ 1.58 ₹31,752 0.6 1.6 3.3 6.2 6.5 6.98% 1M 14D 1M 17D HDFC Liquid Fund Growth ₹5,451.76
↑ 1.38 ₹67,998 0.6 1.6 3.3 6.2 6.5 6.61% 1M 2D 1M 6D Tata Liquid Fund Growth ₹4,376.35
↑ 0.96 ₹30,449 0.6 1.6 3.3 6.2 6.5 6.59% 1M 6D 1M 6D Mahindra Liquid Fund Growth ₹1,807.97
↑ 0.44 ₹1,088 0.6 1.6 3.3 6.2 6.5 6.26% 1M 13D 1M 16D ICICI Prudential Liquid Fund Growth ₹411.256
↑ 0.10 ₹58,096 0.6 1.6 3.3 6.2 6.5 6.46% 1M 4D 1M 7D SBI Liquid Fund Growth ₹4,342.35
↑ 1.04 ₹79,363 0.6 1.6 3.3 6.2 6.4 6.5% 25D 29D Kotak Liquid Fund Growth ₹5,615.34
↑ 1.30 ₹40,018 0.6 1.6 3.3 6.2 6.5 6.69% 1M 6D 1M 6D Baroda Pioneer Liquid Fund Growth ₹3,193.09
↑ 0.69 ₹11,380 0.6 1.6 3.3 6.2 6.4 6.17% 30D 1M 1D Bandhan Cash Fund Growth ₹3,354.41
↑ 0.75 ₹17,286 0.6 1.6 3.3 6.2 6.4 6.43% 1M 10D 1M 10D Mirae Asset Cash Management Fund Growth ₹2,911.74
↑ 0.75 ₹11,182 0.6 1.5 3.2 6.2 6.5 6.76% 1M 10D 1M 13D JM Liquid Fund Growth ₹75.7385
↑ 0.02 ₹2,147 0.6 1.6 3.2 6.1 6.4 6.43% 26D 27D IIFL Liquid Fund Growth ₹2,134.34
↑ 0.48 ₹748 0.5 1.5 3.1 6 6.3 6.07% 1M 16D 1M 19D Sundaram Money Fund Growth ₹44.1929
↑ 0.00 ₹3,144 0.3 0.8 1.7 3.3 3.5% 1M 2D 1M 2D 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 25 Funds showcased
Commentary IDBI Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund BOI AXA Liquid Fund DSP Liquidity Fund PGIM India Insta Cash Fund UTI Liquid Cash Plan Aditya Birla Sun Life Liquid Fund Invesco India Liquid Fund Indiabulls Liquid Fund Canara Robeco Liquid LIC MF Liquid Fund Nippon India Liquid Fund HDFC Liquid Fund Tata Liquid Fund Mahindra Liquid Fund ICICI Prudential Liquid Fund SBI Liquid Fund Kotak Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund Mirae Asset Cash Management Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Top quartile AUM (₹56,168 Cr). Lower mid AUM (₹15,222 Cr). Bottom quartile AUM (₹1,720 Cr). Upper mid AUM (₹19,019 Cr). Bottom quartile AUM (₹612 Cr). Upper mid AUM (₹33,248 Cr). Top quartile AUM (₹47,520 Cr). Lower mid AUM (₹14,989 Cr). Bottom quartile AUM (₹262 Cr). Lower mid AUM (₹7,519 Cr). Upper mid AUM (₹16,015 Cr). Upper mid AUM (₹31,752 Cr). Top quartile AUM (₹67,998 Cr). Upper mid AUM (₹30,449 Cr). Bottom quartile AUM (₹1,088 Cr). Top quartile AUM (₹58,096 Cr). Highest AUM (₹79,363 Cr). Top quartile AUM (₹40,018 Cr). Lower mid AUM (₹11,380 Cr). Upper mid AUM (₹17,286 Cr). Lower mid AUM (₹11,182 Cr). Bottom quartile AUM (₹2,147 Cr). Bottom quartile AUM (₹748 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (20+ yrs). Established history (18+ yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (19+ yrs). Established history (14+ yrs). Established history (17+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (25+ yrs). Established history (21+ yrs). Established history (10+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (17+ yrs). Oldest track record among peers (28 yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Not Rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Not Rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.32% (top quartile). 1Y return: 6.31% (top quartile). 1Y return: 6.30% (top quartile). 1Y return: 6.29% (top quartile). 1Y return: 6.27% (top quartile). 1Y return: 6.27% (upper mid). 1Y return: 6.27% (upper mid). 1Y return: 6.27% (upper mid). 1Y return: 6.25% (upper mid). 1Y return: 6.24% (upper mid). 1Y return: 6.24% (upper mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.21% (lower mid). 1Y return: 6.21% (lower mid). 1Y return: 6.21% (bottom quartile). 1Y return: 6.19% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 6.17% (bottom quartile). 1Y return: 6.13% (bottom quartile). 1Y return: 6.00% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.59% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.59% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.58% (upper mid). 1M return: 0.57% (lower mid). 1M return: 0.59% (upper mid). 1M return: 0.59% (top quartile). 1M return: 0.57% (lower mid). 1M return: 0.57% (bottom quartile). 1M return: 0.59% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.57% (lower mid). 1M return: 0.57% (lower mid). 1M return: 0.57% (bottom quartile). 1M return: 0.59% (upper mid). 1M return: 0.59% (top quartile). 1M return: 0.60% (top quartile). 1M return: 0.57% (lower mid). 1M return: 0.56% (bottom quartile). 1M return: 0.56% (bottom quartile). 1M return: 0.57% (lower mid). 1M return: 0.52% (bottom quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.39 (top quartile). Sharpe: 2.22 (upper mid). Sharpe: 2.65 (top quartile). Sharpe: 2.26 (upper mid). Sharpe: 2.23 (upper mid). Sharpe: 2.39 (top quartile). Sharpe: 2.20 (upper mid). Sharpe: 2.29 (top quartile). Sharpe: 2.32 (top quartile). Sharpe: 2.02 (lower mid). Sharpe: 1.89 (bottom quartile). Sharpe: 1.97 (lower mid). Sharpe: 2.00 (lower mid). Sharpe: 2.42 (top quartile). Sharpe: 2.27 (upper mid). Sharpe: 2.01 (lower mid). Sharpe: 1.97 (lower mid). Sharpe: 2.06 (upper mid). Sharpe: 1.95 (bottom quartile). Sharpe: 1.75 (bottom quartile). Sharpe: 2.04 (lower mid). Sharpe: 1.80 (bottom quartile). Sharpe: 1.29 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 2.14 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.62 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.76 (top quartile). Information ratio: 0.95 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.41 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.45 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: -0.02 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: -0.49 (bottom quartile). Information ratio: -1.44 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.23% (lower mid). Yield to maturity (debt): 6.51% (upper mid). Yield to maturity (debt): 6.11% (bottom quartile). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 6.57% (upper mid). Yield to maturity (debt): 6.62% (upper mid). Yield to maturity (debt): 7.01% (top quartile). Yield to maturity (debt): 6.56% (upper mid). Yield to maturity (debt): 6.13% (bottom quartile). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 6.65% (top quartile). Yield to maturity (debt): 6.98% (top quartile). Yield to maturity (debt): 6.61% (upper mid). Yield to maturity (debt): 6.59% (upper mid). Yield to maturity (debt): 6.26% (lower mid). Yield to maturity (debt): 6.46% (lower mid). Yield to maturity (debt): 6.50% (lower mid). Yield to maturity (debt): 6.69% (top quartile). Yield to maturity (debt): 6.17% (bottom quartile). Yield to maturity (debt): 6.43% (lower mid). Yield to maturity (debt): 6.76% (top quartile). Yield to maturity (debt): 6.43% (lower mid). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). Modified duration: 0.07 yrs (top quartile). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.07 yrs (top quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). IDBI Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
BOI AXA Liquid Fund
DSP Liquidity Fund
PGIM India Insta Cash Fund
UTI Liquid Cash Plan
Aditya Birla Sun Life Liquid Fund
Invesco India Liquid Fund
Indiabulls Liquid Fund
Canara Robeco Liquid
LIC MF Liquid Fund
Nippon India Liquid Fund
HDFC Liquid Fund
Tata Liquid Fund
Mahindra Liquid Fund
ICICI Prudential Liquid Fund
SBI Liquid Fund
Kotak Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
Mirae Asset Cash Management Fund
JM Liquid Fund
IIFL Liquid Fund
Sundaram Money Fund
2. লিকুইড মিউচুয়াল ফান্ডের পোর্টফোলিও এবং পরিপক্কতা প্রোফাইল
লিকুইড মিউচুয়াল ফান্ডের পোর্টফোলিওতে এমন সিকিউরিটিজ থাকে যেগুলোর মেয়াদ 91 দিনেরও কম থাকে। যদিও কেউ গিয়ে ক্রেডিট কোয়ালিটি নিয়ে কথা বলতে পারে (সাধারণ কথায়, পোর্টফোলিওতে সিকিউরিটিগুলো কতটা ভালো) এবং পোর্টফোলিওগুলোকে আলাদা করার চেষ্টা করতে পারে, তবে বাস্তব অভিজ্ঞতা হল, যদি না পোর্টফোলিওর কিছু খুব খারাপ গুণমান নিয়ে বাস্তব সমস্যা না থাকে। সিকিউরিটিজ, তরল তহবিল একটি সমস্যা হওয়া উচিত নয়. আজ পর্যন্ত জানা যায়নিডিফল্ট তরল তহবিলের পোর্টফোলিও এবং কোম্পানিগুলি সাধারণত শর্ট ম্যাচিউরিটি পেপারে ডিফল্ট করে না। যাইহোক, তহবিলের উপরোক্ত পোর্টফোলিওটি বললে ফান্ডের ফলন এবং এর পরবর্তী কর্মক্ষমতা সম্পর্কে ধারণা দেওয়া হবে। এটি প্রায়শই বলা হয় "অতীতের কর্মক্ষমতা ভবিষ্যতের কর্মক্ষমতার সূচক নয়" এবং তরল মিউচুয়াল ফান্ডের জন্য, যদি কেউ কিছু অনুমান করার চেষ্টা করে, তবে তাদের যা করতে হবে তা হল পোর্টফোলিওটি দেখা। কি ধরনের সিকিউরিটিজ (বাণিজ্যিক কাগজপত্র (CPs), জমার শংসাপত্র (CDs) ইত্যাদি), ক্রেডিট গুণমান এবং ফলন ফান্ডের রিটার্ন প্রোফাইল কী হতে পারে তার একটি ধারণা দেয়। পোর্টফোলিওর গুণমান হল লিকুইড ফান্ডের কর্মক্ষমতার একটি ভালো সূচক। সমস্ত তরল মিউচুয়াল ফান্ডের পরিপক্কতা সাধারণত কয়েক দিন এবং 91 দিনের চেয়ে অনেক কম। বেশিরভাগ ক্ষেত্রে এটি একই রকম।
3. তারল্য এবং তহবিলের আকার
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D Axis Liquid Fund Growth ₹3,096.21
↑ 0.73 ₹56,168 0.6 1.6 3.3 6.3 6.6 6.23% 1M 5D 1M 5D Edelweiss Liquid Fund Growth ₹3,555.61
↑ 0.88 ₹15,222 0.6 1.6 3.3 6.3 6.5 6.51% 1M 6D 1M 6D BOI AXA Liquid Fund Growth ₹3,201.89
↑ 0.69 ₹1,720 0.6 1.6 3.3 6.3 6.6 6.11% 1M 10D 1M 10D DSP Liquidity Fund Growth ₹3,968.81
↑ 0.95 ₹19,019 0.6 1.6 3.3 6.3 6.5 0% 1M 1D PGIM India Insta Cash Fund Growth ₹361.854
↑ 0.07 ₹612 0.6 1.6 3.3 6.3 6.5 6.57% 1M 10D 1M 10D UTI Liquid Cash Plan Growth ₹455.995
↑ 0.10 ₹33,248 0.6 1.6 3.3 6.3 6.5 6.62% 1M 5D 1M 6D Aditya Birla Sun Life Liquid Fund Growth ₹447.887
↑ 0.09 ₹47,520 0.6 1.6 3.3 6.3 6.5 7.01% 1M 17D 1M 20D Invesco India Liquid Fund Growth ₹3,820.25
↑ 0.94 ₹14,989 0.6 1.6 3.3 6.3 6.5 6.56% 30D 1M 1D Indiabulls Liquid Fund Growth ₹2,687.4
↑ 0.61 ₹262 0.6 1.6 3.3 6.2 6.6 6.13% 1M 1D 1M 1D Canara Robeco Liquid Growth ₹3,344.73
↑ 0.87 ₹7,519 0.6 1.6 3.3 6.2 6.5 6.18% 1M 8D 1M 10D LIC MF Liquid Fund Growth ₹5,023
↑ 1.15 ₹16,015 0.6 1.6 3.3 6.2 6.4 6.65% 1M 8D 1M 8D Nippon India Liquid Fund Growth ₹6,781.62
↑ 1.58 ₹31,752 0.6 1.6 3.3 6.2 6.5 6.98% 1M 14D 1M 17D HDFC Liquid Fund Growth ₹5,451.76
↑ 1.38 ₹67,998 0.6 1.6 3.3 6.2 6.5 6.61% 1M 2D 1M 6D Tata Liquid Fund Growth ₹4,376.35
↑ 0.96 ₹30,449 0.6 1.6 3.3 6.2 6.5 6.59% 1M 6D 1M 6D Mahindra Liquid Fund Growth ₹1,807.97
↑ 0.44 ₹1,088 0.6 1.6 3.3 6.2 6.5 6.26% 1M 13D 1M 16D ICICI Prudential Liquid Fund Growth ₹411.256
↑ 0.10 ₹58,096 0.6 1.6 3.3 6.2 6.5 6.46% 1M 4D 1M 7D SBI Liquid Fund Growth ₹4,342.35
↑ 1.04 ₹79,363 0.6 1.6 3.3 6.2 6.4 6.5% 25D 29D Kotak Liquid Fund Growth ₹5,615.34
↑ 1.30 ₹40,018 0.6 1.6 3.3 6.2 6.5 6.69% 1M 6D 1M 6D Baroda Pioneer Liquid Fund Growth ₹3,193.09
↑ 0.69 ₹11,380 0.6 1.6 3.3 6.2 6.4 6.17% 30D 1M 1D Bandhan Cash Fund Growth ₹3,354.41
↑ 0.75 ₹17,286 0.6 1.6 3.3 6.2 6.4 6.43% 1M 10D 1M 10D Mirae Asset Cash Management Fund Growth ₹2,911.74
↑ 0.75 ₹11,182 0.6 1.5 3.2 6.2 6.5 6.76% 1M 10D 1M 13D JM Liquid Fund Growth ₹75.7385
↑ 0.02 ₹2,147 0.6 1.6 3.2 6.1 6.4 6.43% 26D 27D IIFL Liquid Fund Growth ₹2,134.34
↑ 0.48 ₹748 0.5 1.5 3.1 6 6.3 6.07% 1M 16D 1M 19D Sundaram Money Fund Growth ₹44.1929
↑ 0.00 ₹3,144 0.3 0.8 1.7 3.3 3.5% 1M 2D 1M 2D 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 25 Funds showcased
Commentary IDBI Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund BOI AXA Liquid Fund DSP Liquidity Fund PGIM India Insta Cash Fund UTI Liquid Cash Plan Aditya Birla Sun Life Liquid Fund Invesco India Liquid Fund Indiabulls Liquid Fund Canara Robeco Liquid LIC MF Liquid Fund Nippon India Liquid Fund HDFC Liquid Fund Tata Liquid Fund Mahindra Liquid Fund ICICI Prudential Liquid Fund SBI Liquid Fund Kotak Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund Mirae Asset Cash Management Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Top quartile AUM (₹56,168 Cr). Lower mid AUM (₹15,222 Cr). Bottom quartile AUM (₹1,720 Cr). Upper mid AUM (₹19,019 Cr). Bottom quartile AUM (₹612 Cr). Upper mid AUM (₹33,248 Cr). Top quartile AUM (₹47,520 Cr). Lower mid AUM (₹14,989 Cr). Bottom quartile AUM (₹262 Cr). Lower mid AUM (₹7,519 Cr). Upper mid AUM (₹16,015 Cr). Upper mid AUM (₹31,752 Cr). Top quartile AUM (₹67,998 Cr). Upper mid AUM (₹30,449 Cr). Bottom quartile AUM (₹1,088 Cr). Top quartile AUM (₹58,096 Cr). Highest AUM (₹79,363 Cr). Top quartile AUM (₹40,018 Cr). Lower mid AUM (₹11,380 Cr). Upper mid AUM (₹17,286 Cr). Lower mid AUM (₹11,182 Cr). Bottom quartile AUM (₹2,147 Cr). Bottom quartile AUM (₹748 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (20+ yrs). Established history (18+ yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (19+ yrs). Established history (14+ yrs). Established history (17+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (25+ yrs). Established history (21+ yrs). Established history (10+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (17+ yrs). Oldest track record among peers (28 yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Not Rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Not Rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.32% (top quartile). 1Y return: 6.31% (top quartile). 1Y return: 6.30% (top quartile). 1Y return: 6.29% (top quartile). 1Y return: 6.27% (top quartile). 1Y return: 6.27% (upper mid). 1Y return: 6.27% (upper mid). 1Y return: 6.27% (upper mid). 1Y return: 6.25% (upper mid). 1Y return: 6.24% (upper mid). 1Y return: 6.24% (upper mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.21% (lower mid). 1Y return: 6.21% (lower mid). 1Y return: 6.21% (bottom quartile). 1Y return: 6.19% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 6.17% (bottom quartile). 1Y return: 6.13% (bottom quartile). 1Y return: 6.00% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.59% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.59% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.58% (upper mid). 1M return: 0.57% (lower mid). 1M return: 0.59% (upper mid). 1M return: 0.59% (top quartile). 1M return: 0.57% (lower mid). 1M return: 0.57% (bottom quartile). 1M return: 0.59% (top quartile). 1M return: 0.58% (upper mid). 1M return: 0.57% (lower mid). 1M return: 0.57% (lower mid). 1M return: 0.57% (bottom quartile). 1M return: 0.59% (upper mid). 1M return: 0.59% (top quartile). 1M return: 0.60% (top quartile). 1M return: 0.57% (lower mid). 1M return: 0.56% (bottom quartile). 1M return: 0.56% (bottom quartile). 1M return: 0.57% (lower mid). 1M return: 0.52% (bottom quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.39 (top quartile). Sharpe: 2.22 (upper mid). Sharpe: 2.65 (top quartile). Sharpe: 2.26 (upper mid). Sharpe: 2.23 (upper mid). Sharpe: 2.39 (top quartile). Sharpe: 2.20 (upper mid). Sharpe: 2.29 (top quartile). Sharpe: 2.32 (top quartile). Sharpe: 2.02 (lower mid). Sharpe: 1.89 (bottom quartile). Sharpe: 1.97 (lower mid). Sharpe: 2.00 (lower mid). Sharpe: 2.42 (top quartile). Sharpe: 2.27 (upper mid). Sharpe: 2.01 (lower mid). Sharpe: 1.97 (lower mid). Sharpe: 2.06 (upper mid). Sharpe: 1.95 (bottom quartile). Sharpe: 1.75 (bottom quartile). Sharpe: 2.04 (lower mid). Sharpe: 1.80 (bottom quartile). Sharpe: 1.29 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 2.14 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.62 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.76 (top quartile). Information ratio: 0.95 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.41 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.45 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: -0.02 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: -0.49 (bottom quartile). Information ratio: -1.44 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.23% (lower mid). Yield to maturity (debt): 6.51% (upper mid). Yield to maturity (debt): 6.11% (bottom quartile). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 6.57% (upper mid). Yield to maturity (debt): 6.62% (upper mid). Yield to maturity (debt): 7.01% (top quartile). Yield to maturity (debt): 6.56% (upper mid). Yield to maturity (debt): 6.13% (bottom quartile). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 6.65% (top quartile). Yield to maturity (debt): 6.98% (top quartile). Yield to maturity (debt): 6.61% (upper mid). Yield to maturity (debt): 6.59% (upper mid). Yield to maturity (debt): 6.26% (lower mid). Yield to maturity (debt): 6.46% (lower mid). Yield to maturity (debt): 6.50% (lower mid). Yield to maturity (debt): 6.69% (top quartile). Yield to maturity (debt): 6.17% (bottom quartile). Yield to maturity (debt): 6.43% (lower mid). Yield to maturity (debt): 6.76% (top quartile). Yield to maturity (debt): 6.43% (lower mid). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). Modified duration: 0.07 yrs (top quartile). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.07 yrs (top quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). IDBI Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
BOI AXA Liquid Fund
DSP Liquidity Fund
PGIM India Insta Cash Fund
UTI Liquid Cash Plan
Aditya Birla Sun Life Liquid Fund
Invesco India Liquid Fund
Indiabulls Liquid Fund
Canara Robeco Liquid
LIC MF Liquid Fund
Nippon India Liquid Fund
HDFC Liquid Fund
Tata Liquid Fund
Mahindra Liquid Fund
ICICI Prudential Liquid Fund
SBI Liquid Fund
Kotak Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
Mirae Asset Cash Management Fund
JM Liquid Fund
IIFL Liquid Fund
Sundaram Money Fund
তরল মিউচুয়াল ফান্ডগুলি করতে পারে কিনা তা দেখার জন্য ব্যক্তি এবং কর্পোরেটদের মধ্যে সম্পদ বিচ্ছেদ কিছুটা গুরুত্বপূর্ণহাতল বড় রিডেমশন। বড় রিডেম্পশন (কখনও কখনও 100 বা 1000 কোটি টাকাও কর্পোরেটদের দ্বারা নেওয়া যেতে পারে) পোর্টফোলিওতে চাপ দিতে পারে। তারল্য সংকটের সময়ে, এত বড় পরিমাণের জন্য ক্রেতা খুঁজে পাওয়া কঠিন হবে।
প্রকৃতপক্ষে, পোর্টফোলিও যাতে দামের উপর প্রভাব না ফেলে তা নিশ্চিত করার জন্য, তরল তহবিলগুলি মার্ক থেকে বাজারে স্থানান্তরিত হয়।অ্যাকাউন্টিং 2008 সালে লেম্যান সংকটের পরে।
এছাড়াও, তহবিলের আকার এখানে বিনিয়োগকারীদের রক্ষা করেমুক্তি থেকে চাপসেবি একটি নিয়ম আছে যে একটি স্কিমে সর্বোচ্চ ব্যক্তি হোল্ডিং 20% এর বেশি হতে পারে না। অতএব, বেশিরভাগ স্কিমগুলি একটি পরিমাণে সুরক্ষিত হবে।
শীর্ষ 5 লিকুইড ফান্ড
2022 সালের জন্য সেরা পারফর্মিং লিকুইড ফান্ড হল-
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D Axis Liquid Fund Growth ₹3,096.21
↑ 0.73 ₹56,168 0.6 1.6 3.3 6.3 6.6 6.23% 1M 5D 1M 5D Edelweiss Liquid Fund Growth ₹3,555.61
↑ 0.88 ₹15,222 0.6 1.6 3.3 6.3 6.5 6.51% 1M 6D 1M 6D BOI AXA Liquid Fund Growth ₹3,201.89
↑ 0.69 ₹1,720 0.6 1.6 3.3 6.3 6.6 6.11% 1M 10D 1M 10D DSP Liquidity Fund Growth ₹3,968.81
↑ 0.95 ₹19,019 0.6 1.6 3.3 6.3 6.5 0% 1M 1D 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 5 Funds showcased
Commentary IDBI Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund BOI AXA Liquid Fund DSP Liquidity Fund Point 1 Bottom quartile AUM (₹503 Cr). Highest AUM (₹56,168 Cr). Lower mid AUM (₹15,222 Cr). Bottom quartile AUM (₹1,720 Cr). Upper mid AUM (₹19,019 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (17+ yrs). Oldest track record among peers (20 yrs). Point 3 Rating: 3★ (upper mid). Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.32% (upper mid). 1Y return: 6.31% (lower mid). 1Y return: 6.30% (bottom quartile). 1Y return: 6.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.59% (top quartile). 1M return: 0.58% (lower mid). 1M return: 0.59% (upper mid). 1M return: 0.58% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.39 (upper mid). Sharpe: 2.22 (bottom quartile). Sharpe: 2.65 (top quartile). Sharpe: 2.26 (lower mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 2.14 (top quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.23% (lower mid). Yield to maturity (debt): 6.51% (upper mid). Yield to maturity (debt): 6.11% (bottom quartile). Yield to maturity (debt): 0.00% (bottom quartile). Point 10 Modified duration: 0.10 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
BOI AXA Liquid Fund
DSP Liquidity Fund
4. লিকুইড মিউচুয়াল ফান্ডের পারফরমেন্স রেটিং
বর্তমান পোর্টফোলিও এবং ভবিষ্যতের দৃষ্টিভঙ্গি বিবেচনা না করলে পারফরম্যান্স রেটিং আগামীকালের বিজয়ীদের থেকে পরাজিতদের মধ্যে পার্থক্য করতে পারবে না। সুতরাং, যদিও পিছিয়ে পড়া রেটিংগুলি অতীতের পারফরম্যান্স সম্পর্কে একটি ধারণা দিতে পারে, কেউ একটি তহবিল-নির্বাচনের জন্য সর্বোত্তম পরিমাপ হিসাবে ব্যবহার করতে পারে।
উপসংহার
তরল মিউচুয়াল ফান্ডের সন্ধান করার সময় একজনকে বেশ কয়েকটি বিষয় দেখতে হবে এবং তারপরে প্রাসঙ্গিক তহবিল বেছে নিতে হবে।
দাবিত্যাগ: অনুগ্রহ করে আপনার উপদেষ্টার সাথে পরামর্শ করুন এবং কোনো বিনিয়োগ সিদ্ধান্ত নেওয়ার আগে স্বাধীন গবেষণা করুন।
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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