+91-22-48913909લિક્વિડ મ્યુચ્યુઅલ ફંડ: કેવી રીતે પસંદ કરવું?
પ્રવાહીમ્યુચ્યુઅલ ફંડ અનિવાર્યપણે છેમની માર્કેટ (દેવું) ભંડોળ કે જે નાના કાર્યકાળના નાણાંમાં રોકાણ કરે છેબજાર ટ્રેઝરી બિલ્સ, ટર્મ ડિપોઝિટ, ડિપોઝિટનું પ્રમાણપત્ર, કોમર્શિયલ પેપર્સ વગેરે સહિતના સાધનો. સામાન્ય રીતે, લિક્વિડ મ્યુચ્યુઅલ ફંડ્સ નાની અવધિ માટે તમારા નાણાંનું રોકાણ કરવાના વિકલ્પો છે. જે સિક્યોરિટીઝનો ભાગ છેલિક્વિડ ફંડ્સ 91 દિવસથી ઓછા સમયની પરિપક્વતા છે. લિક્વિડ ફંડમાં કોઈ લૉક-ઇન પિરિયડ હોતું નથી તેથી રોકાણ કરેલી અસ્કયામતો લાંબા સમય સુધી બંધાયેલી રહેતી નથી, આમ તમારા પૈસા ઉપલબ્ધ રાખો. લિક્વિડ ફંડનું વળતર અસ્થિર છે કારણ કે તે નાણાકીય બજારમાં ફંડની કામગીરી પર આધારિત છે. પસંદ કરી રહ્યા છીએશ્રેષ્ઠ પ્રવાહી ભંડોળ એક મુશ્કેલ કાર્ય છે, જો કે, કોઈ ચોક્કસ પરિમાણોનો ઉપયોગ કરીને તેનો નિર્ણય કરી શકે છે.
લિક્વિડ મ્યુચ્યુઅલ ફંડ પસંદ કરવા માટે ઉપયોગમાં લઈ શકાય તેવા મૂળભૂત પરિમાણો નીચે મુજબ છે:
- વળતર અથવા ભૂતકાળનો ટ્રેક રેકોર્ડ
- પોર્ટફોલિયો અને પરિપક્વતા પ્રોફાઇલ
- પ્રવાહિતા અને ફંડનું કદ
- રેટિંગ એજન્સી દ્વારા પ્રદર્શન રેટિંગ
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1. લિક્વિડ ફંડ રિટર્ન
વિવિધ લિક્વિડ ફંડ્સ પર વળતર જોવું:
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 ₹3,130.47
↑ 0.53 ₹56,438 0.6 1.7 3.5 6.5 6.6 6.47% 2M 5D 2M 5D BOI AXA Liquid Fund Growth ₹3,237.73
↑ 0.59 ₹1,728 0.6 1.7 3.5 6.5 6.6 6.26% 1M 13D 1M 13D Edelweiss Liquid Fund Growth ₹3,594.91
↑ 0.63 ₹13,796 0.6 1.7 3.5 6.5 6.5 6.33% 2M 2D 2M 2D DSP Liquidity Fund Growth ₹4,012.47
↑ 0.67 ₹22,962 0.6 1.7 3.5 6.5 6.5 6.45% 2M 5D 2M 8D Invesco India Liquid Fund Growth ₹3,862.53
↑ 0.74 ₹20,723 0.6 1.7 3.5 6.5 6.5 6.32% 1M 11D 1M 11D Aditya Birla Sun Life Liquid Fund Growth ₹452.812
↑ 0.08 ₹68,800 0.6 1.7 3.5 6.5 6.5 6.49% 2M 5D 2M 5D UTI Liquid Cash Plan Growth ₹461.003
↑ 0.08 ₹26,728 0.6 1.7 3.5 6.5 6.5 6.31% 1M 27D 1M 27D Mahindra Liquid Fund Growth ₹1,828.35
↑ 0.36 ₹1,280 0.6 1.7 3.4 6.4 6.5 6.47% 1M 16D 1M 20D PGIM India Insta Cash Fund Growth ₹365.764
↑ 0.06 ₹787 0.5 1.7 3.5 6.4 6.5 6.34% 1M 28D 2M 1D Nippon India Liquid Fund Growth ₹6,856.1
↑ 1.14 ₹41,346 0.6 1.7 3.4 6.4 6.5 6.5% 2M 2M 4D Canara Robeco Liquid Growth ₹3,381.2
↑ 0.56 ₹6,792 0.5 1.7 3.4 6.4 6.5 6.38% 2M 2D 2M 6D HDFC Liquid Fund Growth ₹5,511.33
↑ 0.88 ₹65,870 0.6 1.7 3.4 6.4 6.5 6.36% 2M 2M 5D LIC MF Liquid Fund Growth ₹5,077.48
↑ 0.98 ₹16,809 0.5 1.7 3.4 6.4 6.4 7.12% 2M 1D 2M 1D Tata Liquid Fund Growth ₹4,424.24
↑ 0.81 ₹27,603 0.6 1.7 3.4 6.4 6.5 6.44% 2M 11D 2M 11D Indiabulls Liquid Fund Growth ₹2,716.76
↑ 0.47 ₹323 0.6 1.7 3.4 6.4 6.6 6.4% 1M 18D 1M 18D SBI Liquid Fund Growth ₹4,389.54
↑ 0.67 ₹84,055 0.5 1.7 3.4 6.4 6.4 6.5% 2M 5D 2M 12D ICICI Prudential Liquid Fund Growth ₹415.745
↑ 0.07 ₹61,558 0.6 1.7 3.4 6.4 6.5 6.44% 2M 9D 2M 15D Kotak Liquid Fund Growth ₹5,676.39
↑ 1.01 ₹51,309 0.6 1.7 3.4 6.4 6.5 6.48% 2M 8D 2M 12D Baroda Pioneer Liquid Fund Growth ₹3,227.88
↑ 0.55 ₹12,206 0.5 1.7 3.4 6.4 6.4 6.58% 1M 25D 1M 27D Bandhan Cash Fund Growth ₹3,390.41
↑ 0.59 ₹19,861 0.5 1.6 3.4 6.4 6.4 6.29% 2M 6D 2M 6D Mirae Asset Cash Management Fund Growth ₹2,943.69
↑ 0.54 ₹13,190 0.6 1.7 3.4 6.3 6.5 6.4% 2M 1D 2M 6D JM Liquid Fund Growth ₹76.5641
↑ 0.01 ₹2,849 0.5 1.7 3.4 6.3 6.4 6.27% 2M 3D 2M 7D IIFL Liquid Fund Growth ₹2,157.38
↑ 0.34 ₹573 0.6 1.6 3.3 6.2 6.3 6.18% 1M 13D 1M 13D 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 BOI AXA Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund Invesco India Liquid Fund Aditya Birla Sun Life Liquid Fund UTI Liquid Cash Plan Mahindra Liquid Fund PGIM India Insta Cash Fund Nippon India Liquid Fund Canara Robeco Liquid HDFC Liquid Fund LIC MF Liquid Fund Tata Liquid Fund Indiabulls Liquid Fund SBI Liquid Fund ICICI Prudential 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 (₹56,438 Cr). Bottom quartile AUM (₹1,728 Cr). Lower mid AUM (₹13,796 Cr). Upper mid AUM (₹22,962 Cr). Upper mid AUM (₹20,723 Cr). Top quartile AUM (₹68,800 Cr). Upper mid AUM (₹26,728 Cr). Bottom quartile AUM (₹1,280 Cr). Bottom quartile AUM (₹787 Cr). Upper mid AUM (₹41,346 Cr). Lower mid AUM (₹6,792 Cr). Top quartile AUM (₹65,870 Cr). Lower mid AUM (₹16,809 Cr). Upper mid AUM (₹27,603 Cr). Bottom quartile AUM (₹323 Cr). Highest AUM (₹84,055 Cr). Top quartile AUM (₹61,558 Cr). Top quartile AUM (₹51,309 Cr). Lower mid AUM (₹12,206 Cr). Upper mid AUM (₹19,861 Cr). Lower mid AUM (₹13,190 Cr). Bottom quartile AUM (₹2,849 Cr). Bottom quartile AUM (₹573 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (10+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (18+ yrs). Established history (25+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (14+ yrs). Established history (19+ yrs). Established history (20+ 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★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Not Rated. Top rated. Rating: 4★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 5★ (top quartile). 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: 6.50% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.49% (top quartile). 1Y return: 6.47% (top quartile). 1Y return: 6.46% (top quartile). 1Y return: 6.46% (upper mid). 1Y return: 6.45% (upper mid). 1Y return: 6.44% (upper mid). 1Y return: 6.44% (upper mid). 1Y return: 6.43% (upper mid). 1Y return: 6.42% (upper mid). 1Y return: 6.42% (lower mid). 1Y return: 6.42% (lower mid). 1Y return: 6.42% (lower mid). 1Y return: 6.41% (lower mid). 1Y return: 6.40% (lower mid). 1Y return: 6.40% (lower mid). 1Y return: 6.39% (bottom quartile). 1Y return: 6.38% (bottom quartile). 1Y return: 6.35% (bottom quartile). 1Y return: 6.35% (bottom quartile). 1Y return: 6.32% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.56% (top quartile). 1M return: 0.57% (top quartile). 1M return: 0.56% (top quartile). 1M return: 0.55% (upper mid). 1M return: 0.57% (top quartile). 1M return: 0.56% (upper mid). 1M return: 0.56% (top quartile). 1M return: 0.57% (top quartile). 1M return: 0.53% (bottom quartile). 1M return: 0.56% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.55% (upper mid). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (lower mid). 1M return: 0.55% (lower mid). 1M return: 0.54% (bottom quartile). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.55% (lower mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.57 (top quartile). Sharpe: 2.77 (top quartile). Sharpe: 2.51 (top quartile). Sharpe: 2.50 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.40 (upper mid). Sharpe: 2.54 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.48 (upper mid). Sharpe: 2.29 (lower mid). Sharpe: 2.38 (lower mid). Sharpe: 2.31 (lower mid). Sharpe: 2.31 (lower mid). Sharpe: 2.49 (upper mid). Sharpe: 2.53 (top quartile). Sharpe: 2.24 (bottom quartile). Sharpe: 2.32 (lower mid). Sharpe: 2.23 (bottom quartile). Sharpe: 2.38 (upper mid). Sharpe: 2.14 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.06 (bottom quartile). Sharpe: 1.58 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 2.18 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.02 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.26 (top quartile). Information ratio: 0.84 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 1.19 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.93 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.48 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.08 (upper mid). Information ratio: -1.20 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.33% (lower mid). Yield to maturity (debt): 6.45% (upper mid). Yield to maturity (debt): 6.32% (bottom quartile). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.31% (bottom quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.34% (lower mid). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.38% (lower mid). Yield to maturity (debt): 6.36% (lower mid). Yield to maturity (debt): 7.12% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.48% (upper mid). Yield to maturity (debt): 6.58% (top quartile). Yield to maturity (debt): 6.29% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.27% (bottom quartile). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.20 yrs (bottom quartile). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
Axis Liquid Fund
BOI AXA Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
Invesco India Liquid Fund
Aditya Birla Sun Life Liquid Fund
UTI Liquid Cash Plan
Mahindra Liquid Fund
PGIM India Insta Cash Fund
Nippon India Liquid Fund
Canara Robeco Liquid
HDFC Liquid Fund
LIC MF Liquid Fund
Tata Liquid Fund
Indiabulls Liquid Fund
SBI Liquid Fund
ICICI Prudential 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. લિક્વિડ મ્યુચ્યુઅલ ફંડનો પોર્ટફોલિયો અને મેચ્યોરિટી પ્રોફાઇલ
લિક્વિડ મ્યુચ્યુઅલ ફંડના પોર્ટફોલિયોમાં સિક્યોરિટીઝનો સમાવેશ થાય છે જેની અવશેષ પાકતી મુદત 91 દિવસથી ઓછી હોય છે. જ્યારે વ્યક્તિ જઈને ક્રેડિટ ગુણવત્તા વિશે વાત કરી શકે છે (સાદા શબ્દોમાં, પોર્ટફોલિયોમાં સિક્યોરિટીઝ કેટલી સારી છે) અને પોર્ટફોલિયોને અલગ પાડવાનો પ્રયાસ કરી શકે છે, જો કે, વાસ્તવિક અનુભવ એ છે કે, જ્યાં સુધી પોર્ટફોલિયોમાં કેટલીક ખૂબ જ ખરાબ ગુણવત્તા સાથે વાસ્તવિક સમસ્યાઓ ન હોય. સિક્યોરિટીઝ, લિક્વિડ ફંડ્સનો મુદ્દો ન હોવો જોઈએ. આજદિન સુધી તેની કોઈ જાણકારી મળી નથીડિફૉલ્ટ લિક્વિડ ફંડ પોર્ટફોલિયોમાં અને કંપનીઓ સામાન્ય રીતે ટૂંકા મેચ્યોરિટી પેપર્સ પર ડિફોલ્ટ થતી નથી. જો કે, ઉપરોક્ત ફંડનો પોર્ટફોલિયો જણાવવાથી ફંડની ઉપજ અને તેના પછીની કામગીરી અંગેના વિચારો આવશે. ઘણીવાર એવું કહેવામાં આવે છે કે "ભૂતકાળનું પ્રદર્શન ભવિષ્યના પ્રદર્શનનું સૂચક નથી" અને લિક્વિડ મ્યુચ્યુઅલ ફંડ્સ માટે, જો કોઈએ કેટલાક અંદાજો કરવાનો પ્રયાસ કરવો હોય, તો તેણે ફક્ત પોર્ટફોલિયોને જોવાનું છે. સિક્યોરિટીઝના પ્રકાર (કોમર્શિયલ પેપર્સ (CPs), ડિપોઝિટનું પ્રમાણપત્ર (CDs) વગેરે), ક્રેડિટ ગુણવત્તા અને ઉપજ ફંડની રિટર્ન પ્રોફાઇલ શું હોઈ શકે તેનો ખ્યાલ આપે છે. પોર્ટફોલિયોની ગુણવત્તા લિક્વિડ ફંડની કામગીરીનું સારું સૂચક છે. તમામ લિક્વિડ મ્યુચ્યુઅલ ફંડ્સની પાકતી મુદત સામાન્ય રીતે બે દિવસની હોય છે અને 91 દિવસ કરતાં ઘણી ઓછી હોય છે. મોટા ભાગના કિસ્સાઓમાં તે સમાન છે.
3. તરલતા અને ભંડોળનું કદ
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 ₹3,130.47
↑ 0.53 ₹56,438 0.6 1.7 3.5 6.5 6.6 6.47% 2M 5D 2M 5D BOI AXA Liquid Fund Growth ₹3,237.73
↑ 0.59 ₹1,728 0.6 1.7 3.5 6.5 6.6 6.26% 1M 13D 1M 13D Edelweiss Liquid Fund Growth ₹3,594.91
↑ 0.63 ₹13,796 0.6 1.7 3.5 6.5 6.5 6.33% 2M 2D 2M 2D DSP Liquidity Fund Growth ₹4,012.47
↑ 0.67 ₹22,962 0.6 1.7 3.5 6.5 6.5 6.45% 2M 5D 2M 8D Invesco India Liquid Fund Growth ₹3,862.53
↑ 0.74 ₹20,723 0.6 1.7 3.5 6.5 6.5 6.32% 1M 11D 1M 11D Aditya Birla Sun Life Liquid Fund Growth ₹452.812
↑ 0.08 ₹68,800 0.6 1.7 3.5 6.5 6.5 6.49% 2M 5D 2M 5D UTI Liquid Cash Plan Growth ₹461.003
↑ 0.08 ₹26,728 0.6 1.7 3.5 6.5 6.5 6.31% 1M 27D 1M 27D Mahindra Liquid Fund Growth ₹1,828.35
↑ 0.36 ₹1,280 0.6 1.7 3.4 6.4 6.5 6.47% 1M 16D 1M 20D PGIM India Insta Cash Fund Growth ₹365.764
↑ 0.06 ₹787 0.5 1.7 3.5 6.4 6.5 6.34% 1M 28D 2M 1D Nippon India Liquid Fund Growth ₹6,856.1
↑ 1.14 ₹41,346 0.6 1.7 3.4 6.4 6.5 6.5% 2M 2M 4D Canara Robeco Liquid Growth ₹3,381.2
↑ 0.56 ₹6,792 0.5 1.7 3.4 6.4 6.5 6.38% 2M 2D 2M 6D HDFC Liquid Fund Growth ₹5,511.33
↑ 0.88 ₹65,870 0.6 1.7 3.4 6.4 6.5 6.36% 2M 2M 5D LIC MF Liquid Fund Growth ₹5,077.48
↑ 0.98 ₹16,809 0.5 1.7 3.4 6.4 6.4 7.12% 2M 1D 2M 1D Tata Liquid Fund Growth ₹4,424.24
↑ 0.81 ₹27,603 0.6 1.7 3.4 6.4 6.5 6.44% 2M 11D 2M 11D Indiabulls Liquid Fund Growth ₹2,716.76
↑ 0.47 ₹323 0.6 1.7 3.4 6.4 6.6 6.4% 1M 18D 1M 18D SBI Liquid Fund Growth ₹4,389.54
↑ 0.67 ₹84,055 0.5 1.7 3.4 6.4 6.4 6.5% 2M 5D 2M 12D ICICI Prudential Liquid Fund Growth ₹415.745
↑ 0.07 ₹61,558 0.6 1.7 3.4 6.4 6.5 6.44% 2M 9D 2M 15D Kotak Liquid Fund Growth ₹5,676.39
↑ 1.01 ₹51,309 0.6 1.7 3.4 6.4 6.5 6.48% 2M 8D 2M 12D Baroda Pioneer Liquid Fund Growth ₹3,227.88
↑ 0.55 ₹12,206 0.5 1.7 3.4 6.4 6.4 6.58% 1M 25D 1M 27D Bandhan Cash Fund Growth ₹3,390.41
↑ 0.59 ₹19,861 0.5 1.6 3.4 6.4 6.4 6.29% 2M 6D 2M 6D Mirae Asset Cash Management Fund Growth ₹2,943.69
↑ 0.54 ₹13,190 0.6 1.7 3.4 6.3 6.5 6.4% 2M 1D 2M 6D JM Liquid Fund Growth ₹76.5641
↑ 0.01 ₹2,849 0.5 1.7 3.4 6.3 6.4 6.27% 2M 3D 2M 7D IIFL Liquid Fund Growth ₹2,157.38
↑ 0.34 ₹573 0.6 1.6 3.3 6.2 6.3 6.18% 1M 13D 1M 13D 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 BOI AXA Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund Invesco India Liquid Fund Aditya Birla Sun Life Liquid Fund UTI Liquid Cash Plan Mahindra Liquid Fund PGIM India Insta Cash Fund Nippon India Liquid Fund Canara Robeco Liquid HDFC Liquid Fund LIC MF Liquid Fund Tata Liquid Fund Indiabulls Liquid Fund SBI Liquid Fund ICICI Prudential 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 (₹56,438 Cr). Bottom quartile AUM (₹1,728 Cr). Lower mid AUM (₹13,796 Cr). Upper mid AUM (₹22,962 Cr). Upper mid AUM (₹20,723 Cr). Top quartile AUM (₹68,800 Cr). Upper mid AUM (₹26,728 Cr). Bottom quartile AUM (₹1,280 Cr). Bottom quartile AUM (₹787 Cr). Upper mid AUM (₹41,346 Cr). Lower mid AUM (₹6,792 Cr). Top quartile AUM (₹65,870 Cr). Lower mid AUM (₹16,809 Cr). Upper mid AUM (₹27,603 Cr). Bottom quartile AUM (₹323 Cr). Highest AUM (₹84,055 Cr). Top quartile AUM (₹61,558 Cr). Top quartile AUM (₹51,309 Cr). Lower mid AUM (₹12,206 Cr). Upper mid AUM (₹19,861 Cr). Lower mid AUM (₹13,190 Cr). Bottom quartile AUM (₹2,849 Cr). Bottom quartile AUM (₹573 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (10+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (18+ yrs). Established history (25+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (14+ yrs). Established history (19+ yrs). Established history (20+ 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★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Not Rated. Top rated. Rating: 4★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 5★ (top quartile). 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: 6.50% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.49% (top quartile). 1Y return: 6.47% (top quartile). 1Y return: 6.46% (top quartile). 1Y return: 6.46% (upper mid). 1Y return: 6.45% (upper mid). 1Y return: 6.44% (upper mid). 1Y return: 6.44% (upper mid). 1Y return: 6.43% (upper mid). 1Y return: 6.42% (upper mid). 1Y return: 6.42% (lower mid). 1Y return: 6.42% (lower mid). 1Y return: 6.42% (lower mid). 1Y return: 6.41% (lower mid). 1Y return: 6.40% (lower mid). 1Y return: 6.40% (lower mid). 1Y return: 6.39% (bottom quartile). 1Y return: 6.38% (bottom quartile). 1Y return: 6.35% (bottom quartile). 1Y return: 6.35% (bottom quartile). 1Y return: 6.32% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.56% (top quartile). 1M return: 0.57% (top quartile). 1M return: 0.56% (top quartile). 1M return: 0.55% (upper mid). 1M return: 0.57% (top quartile). 1M return: 0.56% (upper mid). 1M return: 0.56% (top quartile). 1M return: 0.57% (top quartile). 1M return: 0.53% (bottom quartile). 1M return: 0.56% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.55% (upper mid). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (lower mid). 1M return: 0.55% (lower mid). 1M return: 0.54% (bottom quartile). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (upper mid). 1M return: 0.55% (lower mid). 1M return: 0.55% (lower mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.57 (top quartile). Sharpe: 2.77 (top quartile). Sharpe: 2.51 (top quartile). Sharpe: 2.50 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.40 (upper mid). Sharpe: 2.54 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.48 (upper mid). Sharpe: 2.29 (lower mid). Sharpe: 2.38 (lower mid). Sharpe: 2.31 (lower mid). Sharpe: 2.31 (lower mid). Sharpe: 2.49 (upper mid). Sharpe: 2.53 (top quartile). Sharpe: 2.24 (bottom quartile). Sharpe: 2.32 (lower mid). Sharpe: 2.23 (bottom quartile). Sharpe: 2.38 (upper mid). Sharpe: 2.14 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.06 (bottom quartile). Sharpe: 1.58 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 2.18 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.02 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.26 (top quartile). Information ratio: 0.84 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 1.19 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.93 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.48 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.08 (upper mid). Information ratio: -1.20 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.33% (lower mid). Yield to maturity (debt): 6.45% (upper mid). Yield to maturity (debt): 6.32% (bottom quartile). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.31% (bottom quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.34% (lower mid). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.38% (lower mid). Yield to maturity (debt): 6.36% (lower mid). Yield to maturity (debt): 7.12% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.48% (upper mid). Yield to maturity (debt): 6.58% (top quartile). Yield to maturity (debt): 6.29% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.27% (bottom quartile). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.20 yrs (bottom quartile). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
Axis Liquid Fund
BOI AXA Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
Invesco India Liquid Fund
Aditya Birla Sun Life Liquid Fund
UTI Liquid Cash Plan
Mahindra Liquid Fund
PGIM India Insta Cash Fund
Nippon India Liquid Fund
Canara Robeco Liquid
HDFC Liquid Fund
LIC MF Liquid Fund
Tata Liquid Fund
Indiabulls Liquid Fund
SBI Liquid Fund
ICICI Prudential 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
લિક્વિડ મ્યુચ્યુઅલ ફંડ્સ કરી શકે છે કે કેમ તે જોવા માટે વ્યક્તિઓ અને કોર્પોરેટ વચ્ચેની સંપત્તિનું વિભાજન કંઈક અંશે મહત્વપૂર્ણ છેહેન્ડલ મોટા વિમોચન. મોટા રિડેમ્પશન (કોર્પોરેટ્સ દ્વારા 100 કે 1000 કરોડ રૂપિયા પણ લેવામાં આવી શકે છે) પોર્ટફોલિયો પર દબાણ લાવી શકે છે. લિક્વિડિટી કટોકટીના સમયે, આટલા મોટા જથ્થા માટે ખરીદદારો શોધવા મુશ્કેલ હશે.
વાસ્તવમાં, પોર્ટફોલિયોને કિંમત પર અસર ન થાય તે સુનિશ્ચિત કરવા માટે, લિક્વિડ ફંડ્સ માર્કથી માર્કેટમાં ખસેડવામાં આવ્યાંનામું 2008 માં લેહમેન કટોકટી પછી.
ઉપરાંત, ફંડનું કદ અહીં રોકાણકારોનું રક્ષણ કરે છેવિમોચન ત્યારથી દબાણસેબી એક નિયમ છે કે સ્કીમમાં સૌથી વધુ વ્યક્તિગત હોલ્ડિંગ 20% થી વધુ ન હોઈ શકે. તેથી, મોટાભાગની યોજનાઓ એક હદ સુધી સુરક્ષિત રહેશે.
ટોચના 5 લિક્વિડ ફંડ્સ
2022 માટે શ્રેષ્ઠ પ્રદર્શન કરનાર લિક્વિડ ફંડ્સ છે-
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 ₹3,130.47
↑ 0.53 ₹56,438 0.6 1.7 3.5 6.5 6.6 6.47% 2M 5D 2M 5D BOI AXA Liquid Fund Growth ₹3,237.73
↑ 0.59 ₹1,728 0.6 1.7 3.5 6.5 6.6 6.26% 1M 13D 1M 13D Edelweiss Liquid Fund Growth ₹3,594.91
↑ 0.63 ₹13,796 0.6 1.7 3.5 6.5 6.5 6.33% 2M 2D 2M 2D DSP Liquidity Fund Growth ₹4,012.47
↑ 0.67 ₹22,962 0.6 1.7 3.5 6.5 6.5 6.45% 2M 5D 2M 8D 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 BOI AXA Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund Point 1 Bottom quartile AUM (₹503 Cr). Highest AUM (₹56,438 Cr). Bottom quartile AUM (₹1,728 Cr). Lower mid AUM (₹13,796 Cr). Upper mid AUM (₹22,962 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Oldest track record among peers (20 yrs). Point 3 Rating: 3★ (upper mid). Top rated. Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). 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: 6.50% (upper mid). 1Y return: 6.50% (lower mid). 1Y return: 6.49% (bottom quartile). 1Y return: 6.47% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.56% (lower mid). 1M return: 0.57% (top quartile). 1M return: 0.56% (upper mid). 1M return: 0.55% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.57 (upper mid). Sharpe: 2.77 (top quartile). Sharpe: 2.51 (lower mid). Sharpe: 2.50 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 2.18 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.33% (bottom quartile). Yield to maturity (debt): 6.45% (lower mid). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.12 yrs (upper mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). IDBI Liquid Fund
Axis Liquid Fund
BOI AXA Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
4. લિક્વિડ મ્યુચ્યુઅલ ફંડ્સનું પ્રદર્શન રેટિંગ
વર્તમાન પોર્ટફોલિયો અને ભાવિ દૃષ્ટિકોણને ધ્યાનમાં લીધા સિવાય પરફોર્મન્સ રેટિંગ આવતીકાલના વિજેતાઓને ગુમાવનારાઓથી અલગ કરી શકશે નહીં. તેથી, જ્યારે પછાત દેખાતા રેટિંગ્સ ભૂતકાળના પ્રદર્શન વિશે ખ્યાલ આપી શકે છે, ત્યારે કોઈ પણ તેનો ઉપયોગ ફંડને ડિ-સિલેક્ટ કરવા માટે શ્રેષ્ઠ માપદંડ તરીકે કરી શકે છે.
નિષ્કર્ષ
લિક્વિડ મ્યુચ્યુઅલ ફંડની શોધ કરતી વખતે વ્યક્તિએ સંખ્યાબંધ પરિબળો પર ધ્યાન આપવું જોઈએ અને પછી સંબંધિત ફંડ પસંદ કરવું જોઈએ.
અસ્વીકરણ: કોઈપણ રોકાણ નિર્ણય લેતા પહેલા કૃપા કરીને તમારા સલાહકારની સલાહ લો અને સ્વતંત્ર સંશોધન કરો.
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.
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