+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 BOI AXA Liquid Fund Growth ₹3,138.02
↑ 0.78 ₹1,915 0.4 1.4 2.9 6.2 6.6 6.34% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,033.06
↑ 0.72 ₹43,636 0.4 1.4 2.9 6.2 6.6 6.36% 1M 11D 1M 14D Edelweiss Liquid Fund Growth ₹3,483.14
↑ 0.71 ₹10,631 0.4 1.4 2.9 6.2 6.5 6.04% 1M 6D 1M 6D Tata Liquid Fund Growth ₹4,289.77
↑ 1.04 ₹33,869 0.4 1.4 2.9 6.2 6.5 6.21% 1M 7D 1M 7D Indiabulls Liquid Fund Growth ₹2,633.91
↑ 0.79 ₹193 0.4 1.4 2.9 6.2 6.6 5.55% 17D 17D Canara Robeco Liquid Growth ₹3,278.12
↑ 0.89 ₹6,538 0.4 1.4 2.9 6.2 6.5 6.05% 29D 1M 1D PGIM India Insta Cash Fund Growth ₹354.493
↑ 0.08 ₹677 0.4 1.4 2.9 6.2 6.5 6.43% 26D 29D DSP Liquidity Fund Growth ₹3,888.84
↑ 1.01 ₹21,058 0.4 1.4 2.9 6.2 6.5 6.44% 1M 13D 1M 17D Aditya Birla Sun Life Liquid Fund Growth ₹438.724
↑ 0.09 ₹51,838 0.4 1.4 2.9 6.2 6.5 6.54% 1M 20D 1M 20D UTI Liquid Cash Plan Growth ₹4,468.02
↑ 1.15 ₹27,263 0.4 1.4 2.9 6.2 6.5 6.03% 1M 2D 1M 2D Mahindra Liquid Fund Growth ₹1,772.48
↑ 0.38 ₹1,145 0.4 1.4 2.9 6.2 6.5 6.49% 1M 15D 1M 17D Invesco India Liquid Fund Growth ₹3,742.87
↑ 1.00 ₹15,423 0.4 1.4 2.9 6.2 6.5 6.12% 1M 10D 1M 10D HDFC Liquid Fund Growth ₹5,342.54
↑ 1.23 ₹67,850 0.4 1.4 2.9 6.2 6.5 6.44% 1M 15D 1M 20D Nippon India Liquid Fund Growth ₹6,644.73
↑ 1.44 ₹32,736 0.4 1.4 2.9 6.2 6.5 6.66% 1M 21D 1M 25D Mirae Asset Cash Management Fund Growth ₹2,855.18
↑ 0.68 ₹15,856 0.4 1.4 2.9 6.1 6.5 6.35% 1M 17D 1M 18D Kotak Liquid Fund Growth ₹5,502.4
↑ 1.15 ₹42,746 0.4 1.4 2.9 6.1 6.5 6.34% 1M 17D 1M 20D ICICI Prudential Liquid Fund Growth ₹402.958
↑ 0.08 ₹52,865 0.4 1.4 2.9 6.1 6.5 6.49% 1M 15D 1M 19D Baroda Pioneer Liquid Fund Growth ₹3,130.04
↑ 0.76 ₹12,362 0.4 1.4 2.9 6.1 6.4 6.25% 1M 9D 1M 9D LIC MF Liquid Fund Growth ₹4,921.39
↑ 1.13 ₹15,982 0.4 1.4 2.9 6.1 6.4 6.25% 1M 15D 1M 15D SBI Liquid Fund Growth ₹4,254.52
↑ 0.93 ₹66,119 0.4 1.4 2.8 6.1 6.4 6.18% 1M 6D 1M 10D JM Liquid Fund Growth ₹74.2589
↑ 0.02 ₹2,524 0.4 1.4 2.8 6.1 6.4 6.07% 1M 5D 1M 8D Bandhan Cash Fund Growth ₹3,287.51
↑ 0.72 ₹18,125 0.4 1.4 2.8 6.1 6.4 6.01% 1M 6D 1M 6D IIFL Liquid Fund Growth ₹2,094.45
↑ 0.43 ₹1,283 0.4 1.4 2.8 6 6.3 6.08% 1M 4D 1M 7D 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 BOI AXA Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund Tata Liquid Fund Indiabulls Liquid Fund Canara Robeco Liquid PGIM India Insta Cash Fund DSP Liquidity Fund Aditya Birla Sun Life Liquid Fund UTI Liquid Cash Plan Mahindra Liquid Fund Invesco India Liquid Fund HDFC Liquid Fund Nippon India Liquid Fund Mirae Asset Cash Management Fund Kotak Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund LIC MF Liquid Fund SBI Liquid Fund JM Liquid Fund Bandhan Cash Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,915 Cr). Top quartile AUM (₹43,636 Cr). Lower mid AUM (₹10,631 Cr). Upper mid AUM (₹33,869 Cr). Bottom quartile AUM (₹193 Cr). Lower mid AUM (₹6,538 Cr). Bottom quartile AUM (₹677 Cr). Upper mid AUM (₹21,058 Cr). Top quartile AUM (₹51,838 Cr). Upper mid AUM (₹27,263 Cr). Bottom quartile AUM (₹1,145 Cr). Lower mid AUM (₹15,423 Cr). Highest AUM (₹67,850 Cr). Upper mid AUM (₹32,736 Cr). Lower mid AUM (₹15,856 Cr). Top quartile AUM (₹42,746 Cr). Top quartile AUM (₹52,865 Cr). Lower mid AUM (₹12,362 Cr). Upper mid AUM (₹15,982 Cr). Top quartile AUM (₹66,119 Cr). Bottom quartile AUM (₹2,524 Cr). Upper mid AUM (₹18,125 Cr). Bottom quartile AUM (₹1,283 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (14+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (9+ yrs). Established history (19+ yrs). Established history (25+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (24+ yrs). Established history (19+ yrs). Oldest track record among peers (28 yrs). Established history (17+ yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 4★ (top quartile). Top rated. Rating: 3★ (upper mid). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Not Rated. Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (lower mid). Rating: 5★ (top quartile). Rating: 3★ (bottom 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: 6.24% (top quartile). 1Y return: 6.21% (top quartile). 1Y return: 6.20% (top quartile). 1Y return: 6.19% (top quartile). 1Y return: 6.19% (top quartile). 1Y return: 6.19% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.17% (lower mid). 1Y return: 6.16% (lower mid). 1Y return: 6.15% (lower mid). 1Y return: 6.14% (lower mid). 1Y return: 6.14% (lower mid). 1Y return: 6.14% (lower mid). 1Y return: 6.10% (bottom quartile). 1Y return: 6.10% (bottom quartile). 1Y return: 6.09% (bottom quartile). 1Y return: 6.07% (bottom quartile). 1Y return: 6.07% (bottom quartile). 1Y return: 5.96% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.41% (top quartile). 1M return: 0.41% (top quartile). 1M return: 0.40% (upper mid). 1M return: 0.41% (top quartile). 1M return: 0.40% (lower mid). 1M return: 0.41% (top quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.40% (upper mid). 1M return: 0.40% (lower mid). 1M return: 0.40% (lower mid). 1M return: 0.41% (top quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.40% (lower mid). 1M return: 0.41% (upper mid). 1M return: 0.40% (lower mid). 1M return: 0.40% (upper mid). 1M return: 0.40% (lower mid). 1M return: 0.40% (upper mid). 1M return: 0.40% (bottom quartile). 1M return: 0.39% (bottom quartile). 1M return: 0.39% (bottom quartile). 1M return: 0.40% (upper mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.36 (top quartile). Sharpe: 2.99 (top quartile). Sharpe: 3.00 (top quartile). Sharpe: 2.84 (upper mid). Sharpe: 2.65 (lower mid). Sharpe: 2.55 (lower mid). Sharpe: 2.84 (upper mid). Sharpe: 2.91 (top quartile). Sharpe: 2.87 (upper mid). Sharpe: 2.88 (top quartile). Sharpe: 2.76 (upper mid). Sharpe: 2.99 (top quartile). Sharpe: 2.66 (upper mid). Sharpe: 2.60 (lower mid). Sharpe: 2.61 (lower mid). Sharpe: 2.58 (lower mid). Sharpe: 2.76 (upper mid). Sharpe: 2.56 (lower mid). Sharpe: 2.46 (bottom quartile). Sharpe: 2.46 (bottom quartile). Sharpe: 2.20 (bottom quartile). Sharpe: 2.25 (bottom quartile). Sharpe: 1.35 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.71 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.47 (bottom quartile). Information ratio: 0.50 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: -0.17 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.02 (bottom quartile). Information ratio: -0.66 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -1.44 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -2.34 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.34% (upper mid). Yield to maturity (debt): 6.36% (upper mid). Yield to maturity (debt): 6.04% (bottom quartile). Yield to maturity (debt): 6.21% (lower mid). Yield to maturity (debt): 5.55% (bottom quartile). Yield to maturity (debt): 6.05% (bottom quartile). Yield to maturity (debt): 6.43% (upper mid). Yield to maturity (debt): 6.44% (top quartile). Yield to maturity (debt): 6.54% (top quartile). Yield to maturity (debt): 6.03% (bottom quartile). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.12% (lower mid). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.35% (upper mid). Yield to maturity (debt): 6.34% (upper mid). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.25% (lower mid). Yield to maturity (debt): 6.25% (lower mid). Yield to maturity (debt): 6.18% (lower mid). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 6.01% (bottom quartile). Yield to maturity (debt): 6.08% (lower mid). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.05 yrs (top quartile). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.07 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
Tata Liquid Fund
Indiabulls Liquid Fund
Canara Robeco Liquid
PGIM India Insta Cash Fund
DSP Liquidity Fund
Aditya Birla Sun Life Liquid Fund
UTI Liquid Cash Plan
Mahindra Liquid Fund
Invesco India Liquid Fund
HDFC Liquid Fund
Nippon India Liquid Fund
Mirae Asset Cash Management Fund
Kotak Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer Liquid Fund
LIC MF Liquid Fund
SBI Liquid Fund
JM Liquid Fund
Bandhan Cash 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 BOI AXA Liquid Fund Growth ₹3,138.02
↑ 0.78 ₹1,915 0.4 1.4 2.9 6.2 6.6 6.34% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,033.06
↑ 0.72 ₹43,636 0.4 1.4 2.9 6.2 6.6 6.36% 1M 11D 1M 14D Edelweiss Liquid Fund Growth ₹3,483.14
↑ 0.71 ₹10,631 0.4 1.4 2.9 6.2 6.5 6.04% 1M 6D 1M 6D Tata Liquid Fund Growth ₹4,289.77
↑ 1.04 ₹33,869 0.4 1.4 2.9 6.2 6.5 6.21% 1M 7D 1M 7D Indiabulls Liquid Fund Growth ₹2,633.91
↑ 0.79 ₹193 0.4 1.4 2.9 6.2 6.6 5.55% 17D 17D Canara Robeco Liquid Growth ₹3,278.12
↑ 0.89 ₹6,538 0.4 1.4 2.9 6.2 6.5 6.05% 29D 1M 1D PGIM India Insta Cash Fund Growth ₹354.493
↑ 0.08 ₹677 0.4 1.4 2.9 6.2 6.5 6.43% 26D 29D DSP Liquidity Fund Growth ₹3,888.84
↑ 1.01 ₹21,058 0.4 1.4 2.9 6.2 6.5 6.44% 1M 13D 1M 17D Aditya Birla Sun Life Liquid Fund Growth ₹438.724
↑ 0.09 ₹51,838 0.4 1.4 2.9 6.2 6.5 6.54% 1M 20D 1M 20D UTI Liquid Cash Plan Growth ₹4,468.02
↑ 1.15 ₹27,263 0.4 1.4 2.9 6.2 6.5 6.03% 1M 2D 1M 2D Mahindra Liquid Fund Growth ₹1,772.48
↑ 0.38 ₹1,145 0.4 1.4 2.9 6.2 6.5 6.49% 1M 15D 1M 17D Invesco India Liquid Fund Growth ₹3,742.87
↑ 1.00 ₹15,423 0.4 1.4 2.9 6.2 6.5 6.12% 1M 10D 1M 10D HDFC Liquid Fund Growth ₹5,342.54
↑ 1.23 ₹67,850 0.4 1.4 2.9 6.2 6.5 6.44% 1M 15D 1M 20D Nippon India Liquid Fund Growth ₹6,644.73
↑ 1.44 ₹32,736 0.4 1.4 2.9 6.2 6.5 6.66% 1M 21D 1M 25D Mirae Asset Cash Management Fund Growth ₹2,855.18
↑ 0.68 ₹15,856 0.4 1.4 2.9 6.1 6.5 6.35% 1M 17D 1M 18D Kotak Liquid Fund Growth ₹5,502.4
↑ 1.15 ₹42,746 0.4 1.4 2.9 6.1 6.5 6.34% 1M 17D 1M 20D ICICI Prudential Liquid Fund Growth ₹402.958
↑ 0.08 ₹52,865 0.4 1.4 2.9 6.1 6.5 6.49% 1M 15D 1M 19D Baroda Pioneer Liquid Fund Growth ₹3,130.04
↑ 0.76 ₹12,362 0.4 1.4 2.9 6.1 6.4 6.25% 1M 9D 1M 9D LIC MF Liquid Fund Growth ₹4,921.39
↑ 1.13 ₹15,982 0.4 1.4 2.9 6.1 6.4 6.25% 1M 15D 1M 15D SBI Liquid Fund Growth ₹4,254.52
↑ 0.93 ₹66,119 0.4 1.4 2.8 6.1 6.4 6.18% 1M 6D 1M 10D JM Liquid Fund Growth ₹74.2589
↑ 0.02 ₹2,524 0.4 1.4 2.8 6.1 6.4 6.07% 1M 5D 1M 8D Bandhan Cash Fund Growth ₹3,287.51
↑ 0.72 ₹18,125 0.4 1.4 2.8 6.1 6.4 6.01% 1M 6D 1M 6D IIFL Liquid Fund Growth ₹2,094.45
↑ 0.43 ₹1,283 0.4 1.4 2.8 6 6.3 6.08% 1M 4D 1M 7D 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 BOI AXA Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund Tata Liquid Fund Indiabulls Liquid Fund Canara Robeco Liquid PGIM India Insta Cash Fund DSP Liquidity Fund Aditya Birla Sun Life Liquid Fund UTI Liquid Cash Plan Mahindra Liquid Fund Invesco India Liquid Fund HDFC Liquid Fund Nippon India Liquid Fund Mirae Asset Cash Management Fund Kotak Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund LIC MF Liquid Fund SBI Liquid Fund JM Liquid Fund Bandhan Cash Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,915 Cr). Top quartile AUM (₹43,636 Cr). Lower mid AUM (₹10,631 Cr). Upper mid AUM (₹33,869 Cr). Bottom quartile AUM (₹193 Cr). Lower mid AUM (₹6,538 Cr). Bottom quartile AUM (₹677 Cr). Upper mid AUM (₹21,058 Cr). Top quartile AUM (₹51,838 Cr). Upper mid AUM (₹27,263 Cr). Bottom quartile AUM (₹1,145 Cr). Lower mid AUM (₹15,423 Cr). Highest AUM (₹67,850 Cr). Upper mid AUM (₹32,736 Cr). Lower mid AUM (₹15,856 Cr). Top quartile AUM (₹42,746 Cr). Top quartile AUM (₹52,865 Cr). Lower mid AUM (₹12,362 Cr). Upper mid AUM (₹15,982 Cr). Top quartile AUM (₹66,119 Cr). Bottom quartile AUM (₹2,524 Cr). Upper mid AUM (₹18,125 Cr). Bottom quartile AUM (₹1,283 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (14+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (9+ yrs). Established history (19+ yrs). Established history (25+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (24+ yrs). Established history (19+ yrs). Oldest track record among peers (28 yrs). Established history (17+ yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 4★ (top quartile). Top rated. Rating: 3★ (upper mid). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Not Rated. Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (lower mid). Rating: 5★ (top quartile). Rating: 3★ (bottom 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: 6.24% (top quartile). 1Y return: 6.21% (top quartile). 1Y return: 6.20% (top quartile). 1Y return: 6.19% (top quartile). 1Y return: 6.19% (top quartile). 1Y return: 6.19% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.18% (upper mid). 1Y return: 6.17% (lower mid). 1Y return: 6.16% (lower mid). 1Y return: 6.15% (lower mid). 1Y return: 6.14% (lower mid). 1Y return: 6.14% (lower mid). 1Y return: 6.14% (lower mid). 1Y return: 6.10% (bottom quartile). 1Y return: 6.10% (bottom quartile). 1Y return: 6.09% (bottom quartile). 1Y return: 6.07% (bottom quartile). 1Y return: 6.07% (bottom quartile). 1Y return: 5.96% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.41% (top quartile). 1M return: 0.41% (top quartile). 1M return: 0.40% (upper mid). 1M return: 0.41% (top quartile). 1M return: 0.40% (lower mid). 1M return: 0.41% (top quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.40% (upper mid). 1M return: 0.40% (lower mid). 1M return: 0.40% (lower mid). 1M return: 0.41% (top quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.40% (lower mid). 1M return: 0.41% (upper mid). 1M return: 0.40% (lower mid). 1M return: 0.40% (upper mid). 1M return: 0.40% (lower mid). 1M return: 0.40% (upper mid). 1M return: 0.40% (bottom quartile). 1M return: 0.39% (bottom quartile). 1M return: 0.39% (bottom quartile). 1M return: 0.40% (upper mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.36 (top quartile). Sharpe: 2.99 (top quartile). Sharpe: 3.00 (top quartile). Sharpe: 2.84 (upper mid). Sharpe: 2.65 (lower mid). Sharpe: 2.55 (lower mid). Sharpe: 2.84 (upper mid). Sharpe: 2.91 (top quartile). Sharpe: 2.87 (upper mid). Sharpe: 2.88 (top quartile). Sharpe: 2.76 (upper mid). Sharpe: 2.99 (top quartile). Sharpe: 2.66 (upper mid). Sharpe: 2.60 (lower mid). Sharpe: 2.61 (lower mid). Sharpe: 2.58 (lower mid). Sharpe: 2.76 (upper mid). Sharpe: 2.56 (lower mid). Sharpe: 2.46 (bottom quartile). Sharpe: 2.46 (bottom quartile). Sharpe: 2.20 (bottom quartile). Sharpe: 2.25 (bottom quartile). Sharpe: 1.35 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.71 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.47 (bottom quartile). Information ratio: 0.50 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: -0.17 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.02 (bottom quartile). Information ratio: -0.66 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -1.44 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -2.34 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.34% (upper mid). Yield to maturity (debt): 6.36% (upper mid). Yield to maturity (debt): 6.04% (bottom quartile). Yield to maturity (debt): 6.21% (lower mid). Yield to maturity (debt): 5.55% (bottom quartile). Yield to maturity (debt): 6.05% (bottom quartile). Yield to maturity (debt): 6.43% (upper mid). Yield to maturity (debt): 6.44% (top quartile). Yield to maturity (debt): 6.54% (top quartile). Yield to maturity (debt): 6.03% (bottom quartile). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.12% (lower mid). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.35% (upper mid). Yield to maturity (debt): 6.34% (upper mid). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.25% (lower mid). Yield to maturity (debt): 6.25% (lower mid). Yield to maturity (debt): 6.18% (lower mid). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 6.01% (bottom quartile). Yield to maturity (debt): 6.08% (lower mid). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.05 yrs (top quartile). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.07 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
Tata Liquid Fund
Indiabulls Liquid Fund
Canara Robeco Liquid
PGIM India Insta Cash Fund
DSP Liquidity Fund
Aditya Birla Sun Life Liquid Fund
UTI Liquid Cash Plan
Mahindra Liquid Fund
Invesco India Liquid Fund
HDFC Liquid Fund
Nippon India Liquid Fund
Mirae Asset Cash Management Fund
Kotak Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer Liquid Fund
LIC MF Liquid Fund
SBI Liquid Fund
JM Liquid Fund
Bandhan Cash 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 BOI AXA Liquid Fund Growth ₹3,138.02
↑ 0.78 ₹1,915 0.4 1.4 2.9 6.2 6.6 6.34% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,033.06
↑ 0.72 ₹43,636 0.4 1.4 2.9 6.2 6.6 6.36% 1M 11D 1M 14D Edelweiss Liquid Fund Growth ₹3,483.14
↑ 0.71 ₹10,631 0.4 1.4 2.9 6.2 6.5 6.04% 1M 6D 1M 6D Tata Liquid Fund Growth ₹4,289.77
↑ 1.04 ₹33,869 0.4 1.4 2.9 6.2 6.5 6.21% 1M 7D 1M 7D 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 BOI AXA Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund Tata Liquid Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,915 Cr). Highest AUM (₹43,636 Cr). Lower mid AUM (₹10,631 Cr). Upper mid AUM (₹33,869 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (18+ yrs). Oldest track record among peers (21 yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). 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: 6.24% (upper mid). 1Y return: 6.21% (lower mid). 1Y return: 6.20% (bottom quartile). 1Y return: 6.19% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.41% (lower mid). 1M return: 0.41% (bottom quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.41% (upper mid). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.36 (top quartile). Sharpe: 2.99 (lower mid). Sharpe: 3.00 (upper mid). Sharpe: 2.84 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.71 (top quartile). Information ratio: 0.00 (upper mid). 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): 6.34% (lower mid). Yield to maturity (debt): 6.36% (upper mid). Yield to maturity (debt): 6.04% (bottom quartile). Yield to maturity (debt): 6.21% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.10 yrs (lower mid). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
Tata Liquid 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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