+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 (%) 2025 (%) 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 ₹3,272.07
↑ 0.37 ₹1,874 0.5 1.6 3.3 6.5 6.6 6.09% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,163.3
↑ 0.41 ₹53,470 0.5 1.5 3.3 6.5 6.6 6.37% 1M 19D 1M 19D Edelweiss Liquid Fund Growth ₹3,632.64
↑ 0.44 ₹11,741 0.5 1.5 3.3 6.5 6.5 6.52% 2M 1D 2M 1D DSP Liquidity Fund Growth ₹4,054.34
↑ 0.48 ₹24,726 0.5 1.5 3.3 6.5 6.5 6.24% 1M 2D UTI Liquid Cash Plan Growth ₹465.838
↑ 0.06 ₹27,453 0.5 1.5 3.3 6.5 6.5 6.39% 1M 19D 1M 19D Invesco India Liquid Fund Growth ₹3,902.67
↑ 0.49 ₹22,395 0.5 1.5 3.3 6.5 6.5 6.35% 1M 17D 1M 17D PGIM India Insta Cash Fund Growth ₹369.645
↑ 0.04 ₹1,438 0.5 1.5 3.3 6.5 6.5 6.15% 1M 10D 1M 10D Indiabulls Liquid Fund Growth ₹2,745.97
↑ 0.32 ₹301 0.5 1.6 3.3 6.5 6.6 6.4% 1M 18D 1M 18D Aditya Birla Sun Life Liquid Fund Growth ₹457.484
↑ 0.07 ₹61,167 0.5 1.5 3.2 6.5 6.5 6.53% 1M 28D 1M 28D Mahindra Liquid Fund Growth ₹1,847.55
↑ 0.24 ₹1,041 0.5 1.6 3.3 6.5 6.5 6.42% 1M 8D 1M 11D LIC MF Liquid Fund Growth ₹5,130.23
↑ 0.62 ₹12,872 0.5 1.5 3.2 6.4 6.4 6.68% 1M 23D 1M 23D Nippon India Liquid Fund Growth ₹6,926.55
↑ 0.79 ₹40,490 0.5 1.5 3.2 6.4 6.5 0.06% HDFC Liquid Fund Growth ₹5,568.16
↑ 0.70 ₹66,295 0.5 1.5 3.2 6.4 6.5 6.39% 1M 21D 1M 25D Canara Robeco Liquid Growth ₹3,416.19
↑ 0.48 ₹5,027 0.5 1.5 3.2 6.4 6.5 0.06% 1M 28D 2M 2D SBI Liquid Fund Growth ₹4,434.95
↑ 0.48 ₹77,481 0.5 1.5 3.2 6.4 6.4 6.27% 1M 2D 1M 6D Tata Liquid Fund Growth ₹4,469.87
↑ 0.57 ₹28,037 0.5 1.5 3.2 6.4 6.5 6.19% 1M 7D 1M 7D Baroda Pioneer Liquid Fund Growth ₹3,262.84
↑ 1.13 ₹12,914 0.5 1.5 3.2 6.4 6.4 6.16% 1M 3D 1M 3D ICICI Prudential Liquid Fund Growth ₹419.995
↑ 0.05 ₹55,340 0.5 1.5 3.2 6.4 6.5 6.39% 1M 20D 1M 24D Kotak Liquid Fund Growth ₹5,733.92
↑ 0.63 ₹42,047 0.5 1.5 3.2 6.4 6.5 6.2% 1M 6D 1M 6D Mirae Asset Cash Management Fund Growth ₹2,974
↑ 0.36 ₹14,887 0.5 1.5 3.2 6.4 6.5 6.14% 1M 6D 1M 7D Bandhan Cash Fund Growth ₹3,424.75
↑ 0.44 ₹16,269 0.5 1.5 3.2 6.3 6.4 6.25% 1M 18D 1M 18D JM Liquid Fund Growth ₹77.3574
↑ 0.01 ₹1,701 0.5 1.5 3.2 6.3 6.4 6.12% 1M 8D 1M 11D IIFL Liquid Fund Growth ₹2,178.76
↑ 0.26 ₹529 0.5 1.5 3.1 6.2 6.3 6% 1M 7D 1M 10D 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 DSP Liquidity Fund UTI Liquid Cash Plan Invesco India Liquid Fund PGIM India Insta Cash Fund Indiabulls Liquid Fund Aditya Birla Sun Life Liquid Fund Mahindra Liquid Fund LIC MF Liquid Fund Nippon India Liquid Fund HDFC Liquid Fund Canara Robeco Liquid SBI Liquid Fund Tata Liquid Fund Baroda Pioneer Liquid Fund ICICI Prudential Liquid Fund Kotak Liquid Fund Mirae Asset Cash Management Fund Bandhan Cash Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,874 Cr). Top quartile AUM (₹53,470 Cr). Lower mid AUM (₹11,741 Cr). Upper mid AUM (₹24,726 Cr). Upper mid AUM (₹27,453 Cr). Upper mid AUM (₹22,395 Cr). Bottom quartile AUM (₹1,438 Cr). Bottom quartile AUM (₹301 Cr). Top quartile AUM (₹61,167 Cr). Bottom quartile AUM (₹1,041 Cr). Lower mid AUM (₹12,872 Cr). Upper mid AUM (₹40,490 Cr). Top quartile AUM (₹66,295 Cr). Lower mid AUM (₹5,027 Cr). Highest AUM (₹77,481 Cr). Upper mid AUM (₹28,037 Cr). Lower mid AUM (₹12,914 Cr). Top quartile AUM (₹55,340 Cr). Top quartile AUM (₹42,047 Cr). Lower mid AUM (₹14,887 Cr). Upper mid AUM (₹16,269 Cr). Bottom quartile AUM (₹1,701 Cr). Bottom quartile AUM (₹529 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (15+ yrs). Established history (22+ yrs). Established history (10+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (26+ yrs). Established history (18+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (23+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (28 yrs). Established history (13+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Not Rated. Rating: 3★ (upper mid). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). 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: 6.52% (top quartile). 1Y return: 6.52% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.48% (top quartile). 1Y return: 6.47% (top quartile). 1Y return: 6.47% (upper mid). 1Y return: 6.47% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.44% (upper mid). 1Y return: 6.43% (lower mid). 1Y return: 6.43% (lower 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% (bottom quartile). 1Y return: 6.38% (bottom quartile). 1Y return: 6.35% (bottom quartile). 1Y return: 6.34% (bottom quartile). 1Y return: 6.34% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.51% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.51% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.52% (top quartile). 1M return: 0.53% (top quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.52% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.51% (upper mid). 1M return: 0.51% (upper mid). 1M return: 0.54% (top quartile). 1M return: 0.50% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.51% (lower mid). 1M return: 0.47% (bottom quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.52 (top quartile). Sharpe: 3.18 (top quartile). Sharpe: 3.04 (upper mid). Sharpe: 3.10 (top quartile). Sharpe: 3.12 (top quartile). Sharpe: 3.08 (upper mid). Sharpe: 3.02 (upper mid). Sharpe: 3.19 (top quartile). Sharpe: 2.91 (lower mid). Sharpe: 3.07 (upper mid). Sharpe: 2.86 (lower mid). Sharpe: 2.86 (lower mid). Sharpe: 2.91 (lower mid). Sharpe: 2.89 (lower mid). Sharpe: 2.85 (bottom quartile). Sharpe: 3.11 (top quartile). Sharpe: 3.06 (upper mid). Sharpe: 2.88 (lower mid). Sharpe: 2.72 (bottom quartile). Sharpe: 2.93 (upper mid). Sharpe: 2.67 (bottom quartile). Sharpe: 2.66 (bottom quartile). Sharpe: 2.17 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 2.55 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 1.28 (top quartile). Information ratio: 1.47 (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: 1.10 (top quartile). Information ratio: 1.50 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.75 (upper mid). Information ratio: 1.20 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.33 (upper mid). Information ratio: -0.84 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.09% (bottom quartile). Yield to maturity (debt): 6.37% (upper mid). Yield to maturity (debt): 6.52% (top quartile). Yield to maturity (debt): 6.24% (lower mid). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 6.35% (upper mid). Yield to maturity (debt): 6.15% (lower mid). Yield to maturity (debt): 6.40% (top quartile). Yield to maturity (debt): 6.53% (top quartile). Yield to maturity (debt): 6.42% (top quartile). Yield to maturity (debt): 6.68% (top quartile). Yield to maturity (debt): 0.06% (bottom quartile). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 0.06% (bottom quartile). Yield to maturity (debt): 6.27% (upper mid). Yield to maturity (debt): 6.19% (lower mid). Yield to maturity (debt): 6.16% (lower mid). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 6.20% (lower mid). Yield to maturity (debt): 6.14% (bottom quartile). Yield to maturity (debt): 6.25% (lower mid). Yield to maturity (debt): 6.12% (bottom quartile). Yield to maturity (debt): 6.00% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.14 yrs (lower mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.15 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
PGIM India Insta Cash Fund
Indiabulls Liquid Fund
Aditya Birla Sun Life Liquid Fund
Mahindra Liquid Fund
LIC MF Liquid Fund
Nippon India Liquid Fund
HDFC Liquid Fund
Canara Robeco Liquid
SBI Liquid Fund
Tata Liquid Fund
Baroda Pioneer Liquid Fund
ICICI Prudential Liquid Fund
Kotak Liquid Fund
Mirae Asset Cash Management Fund
Bandhan Cash 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 (%) 2025 (%) 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 ₹3,272.07
↑ 0.37 ₹1,874 0.5 1.6 3.3 6.5 6.6 6.09% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,163.3
↑ 0.41 ₹53,470 0.5 1.5 3.3 6.5 6.6 6.37% 1M 19D 1M 19D Edelweiss Liquid Fund Growth ₹3,632.64
↑ 0.44 ₹11,741 0.5 1.5 3.3 6.5 6.5 6.52% 2M 1D 2M 1D DSP Liquidity Fund Growth ₹4,054.34
↑ 0.48 ₹24,726 0.5 1.5 3.3 6.5 6.5 6.24% 1M 2D UTI Liquid Cash Plan Growth ₹465.838
↑ 0.06 ₹27,453 0.5 1.5 3.3 6.5 6.5 6.39% 1M 19D 1M 19D Invesco India Liquid Fund Growth ₹3,902.67
↑ 0.49 ₹22,395 0.5 1.5 3.3 6.5 6.5 6.35% 1M 17D 1M 17D PGIM India Insta Cash Fund Growth ₹369.645
↑ 0.04 ₹1,438 0.5 1.5 3.3 6.5 6.5 6.15% 1M 10D 1M 10D Indiabulls Liquid Fund Growth ₹2,745.97
↑ 0.32 ₹301 0.5 1.6 3.3 6.5 6.6 6.4% 1M 18D 1M 18D Aditya Birla Sun Life Liquid Fund Growth ₹457.484
↑ 0.07 ₹61,167 0.5 1.5 3.2 6.5 6.5 6.53% 1M 28D 1M 28D Mahindra Liquid Fund Growth ₹1,847.55
↑ 0.24 ₹1,041 0.5 1.6 3.3 6.5 6.5 6.42% 1M 8D 1M 11D LIC MF Liquid Fund Growth ₹5,130.23
↑ 0.62 ₹12,872 0.5 1.5 3.2 6.4 6.4 6.68% 1M 23D 1M 23D Nippon India Liquid Fund Growth ₹6,926.55
↑ 0.79 ₹40,490 0.5 1.5 3.2 6.4 6.5 0.06% HDFC Liquid Fund Growth ₹5,568.16
↑ 0.70 ₹66,295 0.5 1.5 3.2 6.4 6.5 6.39% 1M 21D 1M 25D Canara Robeco Liquid Growth ₹3,416.19
↑ 0.48 ₹5,027 0.5 1.5 3.2 6.4 6.5 0.06% 1M 28D 2M 2D SBI Liquid Fund Growth ₹4,434.95
↑ 0.48 ₹77,481 0.5 1.5 3.2 6.4 6.4 6.27% 1M 2D 1M 6D Tata Liquid Fund Growth ₹4,469.87
↑ 0.57 ₹28,037 0.5 1.5 3.2 6.4 6.5 6.19% 1M 7D 1M 7D Baroda Pioneer Liquid Fund Growth ₹3,262.84
↑ 1.13 ₹12,914 0.5 1.5 3.2 6.4 6.4 6.16% 1M 3D 1M 3D ICICI Prudential Liquid Fund Growth ₹419.995
↑ 0.05 ₹55,340 0.5 1.5 3.2 6.4 6.5 6.39% 1M 20D 1M 24D Kotak Liquid Fund Growth ₹5,733.92
↑ 0.63 ₹42,047 0.5 1.5 3.2 6.4 6.5 6.2% 1M 6D 1M 6D Mirae Asset Cash Management Fund Growth ₹2,974
↑ 0.36 ₹14,887 0.5 1.5 3.2 6.4 6.5 6.14% 1M 6D 1M 7D Bandhan Cash Fund Growth ₹3,424.75
↑ 0.44 ₹16,269 0.5 1.5 3.2 6.3 6.4 6.25% 1M 18D 1M 18D JM Liquid Fund Growth ₹77.3574
↑ 0.01 ₹1,701 0.5 1.5 3.2 6.3 6.4 6.12% 1M 8D 1M 11D IIFL Liquid Fund Growth ₹2,178.76
↑ 0.26 ₹529 0.5 1.5 3.1 6.2 6.3 6% 1M 7D 1M 10D 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 DSP Liquidity Fund UTI Liquid Cash Plan Invesco India Liquid Fund PGIM India Insta Cash Fund Indiabulls Liquid Fund Aditya Birla Sun Life Liquid Fund Mahindra Liquid Fund LIC MF Liquid Fund Nippon India Liquid Fund HDFC Liquid Fund Canara Robeco Liquid SBI Liquid Fund Tata Liquid Fund Baroda Pioneer Liquid Fund ICICI Prudential Liquid Fund Kotak Liquid Fund Mirae Asset Cash Management Fund Bandhan Cash Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,874 Cr). Top quartile AUM (₹53,470 Cr). Lower mid AUM (₹11,741 Cr). Upper mid AUM (₹24,726 Cr). Upper mid AUM (₹27,453 Cr). Upper mid AUM (₹22,395 Cr). Bottom quartile AUM (₹1,438 Cr). Bottom quartile AUM (₹301 Cr). Top quartile AUM (₹61,167 Cr). Bottom quartile AUM (₹1,041 Cr). Lower mid AUM (₹12,872 Cr). Upper mid AUM (₹40,490 Cr). Top quartile AUM (₹66,295 Cr). Lower mid AUM (₹5,027 Cr). Highest AUM (₹77,481 Cr). Upper mid AUM (₹28,037 Cr). Lower mid AUM (₹12,914 Cr). Top quartile AUM (₹55,340 Cr). Top quartile AUM (₹42,047 Cr). Lower mid AUM (₹14,887 Cr). Upper mid AUM (₹16,269 Cr). Bottom quartile AUM (₹1,701 Cr). Bottom quartile AUM (₹529 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (15+ yrs). Established history (22+ yrs). Established history (10+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (26+ yrs). Established history (18+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (23+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (28 yrs). Established history (13+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Not Rated. Rating: 3★ (upper mid). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). 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: 6.52% (top quartile). 1Y return: 6.52% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.48% (top quartile). 1Y return: 6.47% (top quartile). 1Y return: 6.47% (upper mid). 1Y return: 6.47% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.44% (upper mid). 1Y return: 6.43% (lower mid). 1Y return: 6.43% (lower 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% (bottom quartile). 1Y return: 6.38% (bottom quartile). 1Y return: 6.35% (bottom quartile). 1Y return: 6.34% (bottom quartile). 1Y return: 6.34% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.51% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.51% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.52% (top quartile). 1M return: 0.53% (top quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.52% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.51% (upper mid). 1M return: 0.51% (upper mid). 1M return: 0.54% (top quartile). 1M return: 0.50% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.51% (lower mid). 1M return: 0.47% (bottom quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.52 (top quartile). Sharpe: 3.18 (top quartile). Sharpe: 3.04 (upper mid). Sharpe: 3.10 (top quartile). Sharpe: 3.12 (top quartile). Sharpe: 3.08 (upper mid). Sharpe: 3.02 (upper mid). Sharpe: 3.19 (top quartile). Sharpe: 2.91 (lower mid). Sharpe: 3.07 (upper mid). Sharpe: 2.86 (lower mid). Sharpe: 2.86 (lower mid). Sharpe: 2.91 (lower mid). Sharpe: 2.89 (lower mid). Sharpe: 2.85 (bottom quartile). Sharpe: 3.11 (top quartile). Sharpe: 3.06 (upper mid). Sharpe: 2.88 (lower mid). Sharpe: 2.72 (bottom quartile). Sharpe: 2.93 (upper mid). Sharpe: 2.67 (bottom quartile). Sharpe: 2.66 (bottom quartile). Sharpe: 2.17 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 2.55 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 1.28 (top quartile). Information ratio: 1.47 (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: 1.10 (top quartile). Information ratio: 1.50 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.75 (upper mid). Information ratio: 1.20 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.33 (upper mid). Information ratio: -0.84 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.09% (bottom quartile). Yield to maturity (debt): 6.37% (upper mid). Yield to maturity (debt): 6.52% (top quartile). Yield to maturity (debt): 6.24% (lower mid). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 6.35% (upper mid). Yield to maturity (debt): 6.15% (lower mid). Yield to maturity (debt): 6.40% (top quartile). Yield to maturity (debt): 6.53% (top quartile). Yield to maturity (debt): 6.42% (top quartile). Yield to maturity (debt): 6.68% (top quartile). Yield to maturity (debt): 0.06% (bottom quartile). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 0.06% (bottom quartile). Yield to maturity (debt): 6.27% (upper mid). Yield to maturity (debt): 6.19% (lower mid). Yield to maturity (debt): 6.16% (lower mid). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 6.20% (lower mid). Yield to maturity (debt): 6.14% (bottom quartile). Yield to maturity (debt): 6.25% (lower mid). Yield to maturity (debt): 6.12% (bottom quartile). Yield to maturity (debt): 6.00% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.14 yrs (lower mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.15 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
PGIM India Insta Cash Fund
Indiabulls Liquid Fund
Aditya Birla Sun Life Liquid Fund
Mahindra Liquid Fund
LIC MF Liquid Fund
Nippon India Liquid Fund
HDFC Liquid Fund
Canara Robeco Liquid
SBI Liquid Fund
Tata Liquid Fund
Baroda Pioneer Liquid Fund
ICICI Prudential Liquid Fund
Kotak Liquid Fund
Mirae Asset Cash Management Fund
Bandhan Cash 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 (%) 2025 (%) 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 ₹3,272.07
↑ 0.37 ₹1,874 0.5 1.6 3.3 6.5 6.6 6.09% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,163.3
↑ 0.41 ₹53,470 0.5 1.5 3.3 6.5 6.6 6.37% 1M 19D 1M 19D Edelweiss Liquid Fund Growth ₹3,632.64
↑ 0.44 ₹11,741 0.5 1.5 3.3 6.5 6.5 6.52% 2M 1D 2M 1D DSP Liquidity Fund Growth ₹4,054.34
↑ 0.48 ₹24,726 0.5 1.5 3.3 6.5 6.5 6.24% 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 5 Funds showcased
Commentary IDBI Liquid Fund BOI AXA Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,874 Cr). Highest AUM (₹53,470 Cr). Lower mid AUM (₹11,741 Cr). Upper mid AUM (₹24,726 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (19+ yrs). Oldest track record among peers (20 yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Top rated. 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: 6.52% (upper mid). 1Y return: 6.52% (lower mid). 1Y return: 6.50% (bottom quartile). 1Y return: 6.48% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.51% (lower mid). 1M return: 0.51% (bottom quartile). 1M return: 0.50% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.52 (top quartile). Sharpe: 3.18 (upper mid). Sharpe: 3.04 (bottom quartile). Sharpe: 3.10 (lower mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 2.55 (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): 6.09% (bottom quartile). Yield to maturity (debt): 6.37% (lower mid). Yield to maturity (debt): 6.52% (upper mid). Yield to maturity (debt): 6.24% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis 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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