बेस्ट मनी मार्केट म्यूचुअल फंड 2022

Updated on August 29, 2026 , 44279 views

सामान्य शब्दों में,बेस्ट लिक्विड फंड्स (मुद्रा बाजार फंड) ऋण हैंम्यूचुअल फंड्स या बल्कि पैसामंडी म्यूचुअल फंड निवेश की अवधि में एकमात्र अंतर है। मनी मार्केट फंड बहुत कम मनी मार्केट इंस्ट्रूमेंट्स में निवेश करते हैं जैसेजमा प्रमाणपत्र, ट्रेजरी बिल, वाणिज्यिक पत्र आदि।

इन फंडों की निवेश अवधि बहुत कम है, आम तौर पर कुछ दिनों से लेकर कुछ हफ्तों तक (यह एक दिन भी हो सकता है!) औसत अवशिष्ट परिपक्वतालिक्विड फंड 91 दिनों से कम है क्योंकि वे प्रतिभूतियों में निवेश करते हैं जिनकी व्यक्तिगत रूप से 91 दिनों तक की परिपक्वता होती है।

अल्पकालिक होने के नातेडेट फंड, ये फंड छोटी अवधि के लिए कम जोखिम वाले निवेश की तलाश करने वाले निवेशकों के लिए अत्यधिक उपयुक्त हैं। सर्वश्रेष्ठ लिक्विड फंड की कम मैच्योरिटी अवधि फंड मैनेजरों को पूरा करने में मदद करती हैमोचन आसानी से निवेशकों की मांग। बाजार में, विभिन्न मुद्रा बाजार फंड निवेश उपलब्ध हैं।

मनी मार्केट फंड में निवेश क्यों करें?

मुद्रा बाजार में प्रतिभूतियां अपेक्षाकृत कम जोखिम वाली होती हैं
मनी मार्केट फंड को सभी म्यूचुअल फंड निवेशों में सुरक्षित और सुरक्षित माना जाता है
मनी मार्केट फंड को ध्यान में रखते हुए, मनी मार्केट अकाउंट में निवेश करना आसान है।निवेश म्यूचुअल फंड के माध्यम से निवेशक अपनी सुविधानुसार खाता खोल सकते हैं, जमा कर सकते हैं और निकासी कर सकते हैं
मनी मार्केट फंड को सभी म्यूचुअल फंड निवेशों के कम से कम अस्थिर प्रकारों में से एक माना जाता है
मुद्रा बाजार निधियों का प्रदर्शन रिजर्व द्वारा निर्धारित ब्याज दरों से निकटता से जुड़ा हुआ हैबैंक भारत के,सेंट्रल बैंक ऑफ इंडिया. इसलिए, जब आरबीआई बाजार में दरें बढ़ाता है, तो प्रतिफल बढ़ता है, और मुद्रा बाजार के फंड अच्छे रिटर्न देने में सक्षम होते हैं।

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मनी मार्केट फंड कैसे काम करते हैं?

एक मनी मार्केट फंड किस उद्देश्य से मुद्रा बाजार के साधनों में निवेश करता है?प्रस्ताव अच्छा रिटर्न (ब्याजआय) और रखते हुएनहीं हैं उतार-चढ़ाव न्यूनतम।

मुद्रा बाजार लिखतों के प्रकार

मनी मार्केट एक एक्सचेंज है जहां नकद और नकद समकक्ष उपकरणों का व्यापार होता है। मुद्रा बाजारों में कारोबार करने वाले उपकरणों की परिपक्वता अवधि रात भर से लेकर एक वर्ष तक हो सकती है। भारत में मुद्रा बाजार के कुछ प्रमुख उपकरण यहां दिए गए हैं:

1. ट्रेजरी बिल या टी-बिल्स

भारत सरकार 365 दिनों तक की अवधि के लिए धन जुटाने के लिए ट्रेजरी बिल जारी करती है। चूंकि ये सरकार द्वारा जारी किए जाते हैं, इसलिए इन्हें बहुत सुरक्षित माना जाता है। हालांकि, कम जोखिम भी कम रिटर्न में तब्दील हो जाते हैं जो कि ट्रेजरी बिल के मामले में भी होता है। टी-बिल पर रिटर्न अन्य मुद्रा बाजार के साधनों की तुलना में कम है।

2. जमा प्रमाणपत्र या सीडी

एक सीडी एक सावधि जमा है जो अनुसूचित वाणिज्यिक बैंकों द्वारा पेश की जाती है, जिसमें समय से पहले मोचन का विकल्प नहीं होता है। सीडी और के बीच प्राथमिक अंतरएफडी यह है कि सीडी स्वतंत्र रूप से परक्राम्य हैं।

3. पुनर्खरीद समझौते या रेपो

अल्पकालिक ऋण की सुविधा के लिए एक बैंक और आरबीआई के बीच एक पुनर्खरीद समझौता किया जाता है। इसे दो बैंकों के बीच भी बनाया जा सकता है।

4. वाणिज्यिक पत्र या सीपी

उच्च क्रेडिट रेटिंग वाली कंपनियां और वित्तीय संस्थान एक जारी कर सकते हैंवाणिज्यिक पत्र जो एक अल्पकालिक, असुरक्षित वचन पत्र है। यह ऐसी संस्थाओं को अपने अल्पकालिक उधार स्रोतों में विविधता लाने की अनुमति देता है। सीपी आमतौर पर रियायती दर पर जारी किए जाते हैं, जबकि मोचन पर किया जाता हैअंकित मूल्य.इन्वेस्टर अंतर कमाता है।

शीर्ष 8 मनी मार्केट म्यूचुअल फंड 2022

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Money Market Fund Growth	₹3,323.01 ↑ 2.00	₹18,782	0.6	2.2	3.4	6.4	7.5	6.87%	6M 19D	6M 19D
Aditya Birla Sun Life Money Manager Fund Growth	₹398.61 ↑ 0.23	₹30,160	0.6	2.3	3.4	6.4	7.4	6.95%	6M 25D	6M 29D
Tata Money Market Fund Growth	₹5,085.85 ↑ 3.03	₹34,138	0.6	2.2	3.4	6.4	7.4	6.81%	6M 5D	6M 5D
Kotak Money Market Scheme Growth	₹4,836.06 ↑ 2.94	₹30,297	0.6	2.2	3.4	6.4	7.4	6.87%	6M 18D	6M 18D
Franklin India Savings Fund Growth	₹54.0264 ↑ 0.03	₹4,205	0.6	2.2	3.3	6.4	7.4	6.94%	5M 16D	7M 10D
ICICI Prudential Money Market Fund Growth	₹408.65 ↑ 0.25	₹34,627	0.6	2.2	3.3	6.4	7.4	6.82%	6M 15D	6M 29D
HDFC Money Market Fund Growth	₹6,153.69 ↑ 3.40	₹31,371	0.6	2.2	3.3	6.3	7.4	6.9%	6M 10D	6M 24D
Nippon India Money Market Fund Growth	₹4,469.32 ↑ 2.69	₹23,227	0.6	2.2	3.4	6.3	7.4	6.89%	6M 12D	6M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Aug 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Money Market Fund	Aditya Birla Sun Life Money Manager Fund	Tata Money Market Fund	Kotak Money Market Scheme	Franklin India Savings Fund	ICICI Prudential Money Market Fund	HDFC Money Market Fund	Nippon India Money Market Fund
Point 1	Bottom quartile AUM (₹18,782 Cr).	Lower mid AUM (₹30,160 Cr).	Top quartile AUM (₹34,138 Cr).	Upper mid AUM (₹30,297 Cr).	Bottom quartile AUM (₹4,205 Cr).	Highest AUM (₹34,627 Cr).	Upper mid AUM (₹31,371 Cr).	Lower mid AUM (₹23,227 Cr).
Point 2	Established history (17+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Established history (23+ yrs).	Established history (24+ yrs).	Established history (20+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).
Point 3	Rating: 4★ (top quartile).	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.42% (top quartile).	1Y return: 6.40% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.38% (upper mid).	1Y return: 6.37% (lower mid).	1Y return: 6.36% (lower mid).	1Y return: 6.34% (bottom quartile).	1Y return: 6.34% (bottom quartile).
Point 6	1M return: 0.61% (top quartile).	1M return: 0.62% (top quartile).	1M return: 0.59% (lower mid).	1M return: 0.59% (bottom quartile).	1M return: 0.60% (upper mid).	1M return: 0.60% (upper mid).	1M return: 0.58% (bottom quartile).	1M return: 0.59% (lower mid).
Point 7	Sharpe: 0.73 (top quartile).	Sharpe: 0.63 (bottom quartile).	Sharpe: 0.74 (top quartile).	Sharpe: 0.68 (upper mid).	Sharpe: 0.69 (upper mid).	Sharpe: 0.64 (lower mid).	Sharpe: 0.65 (lower mid).	Sharpe: 0.62 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	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).
Point 9	Yield to maturity (debt): 6.87% (lower mid).	Yield to maturity (debt): 6.95% (top quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.87% (lower mid).	Yield to maturity (debt): 6.94% (top quartile).	Yield to maturity (debt): 6.82% (bottom quartile).	Yield to maturity (debt): 6.90% (upper mid).	Yield to maturity (debt): 6.89% (upper mid).
Point 10	Modified duration: 0.55 yrs (bottom quartile).	Modified duration: 0.57 yrs (bottom quartile).	Modified duration: 0.51 yrs (top quartile).	Modified duration: 0.55 yrs (lower mid).	Modified duration: 0.46 yrs (top quartile).	Modified duration: 0.54 yrs (lower mid).	Modified duration: 0.53 yrs (upper mid).	Modified duration: 0.53 yrs (upper mid).

UTI Money Market Fund

Bottom quartile AUM (₹18,782 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.42% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 0.73 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.55 yrs (bottom quartile).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹30,160 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.62% (top quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (top quartile).
Modified duration: 0.57 yrs (bottom quartile).

Tata Money Market Fund

Top quartile AUM (₹34,138 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.59% (lower mid).
Sharpe: 0.74 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.51 yrs (top quartile).

Kotak Money Market Scheme

Upper mid AUM (₹30,297 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.59% (bottom quartile).
Sharpe: 0.68 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.55 yrs (lower mid).

Franklin India Savings Fund

Bottom quartile AUM (₹4,205 Cr).
Established history (24+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.37% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.69 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.94% (top quartile).
Modified duration: 0.46 yrs (top quartile).

ICICI Prudential Money Market Fund

Highest AUM (₹34,627 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.36% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.64 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.82% (bottom quartile).
Modified duration: 0.54 yrs (lower mid).

HDFC Money Market Fund

Upper mid AUM (₹31,371 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 0.65 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (upper mid).
Modified duration: 0.53 yrs (upper mid).

Nippon India Money Market Fund

Lower mid AUM (₹23,227 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.59% (lower mid).
Sharpe: 0.62 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.89% (upper mid).
Modified duration: 0.53 yrs (upper mid).

1. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

Research Highlights for UTI Money Market Fund

Bottom quartile AUM (₹18,782 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.42% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 0.73 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.55 yrs (bottom quartile).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (31 Aug 26)	₹3,323.01 ↑ 2.00 (0.06 %)
Net Assets (Cr)	₹18,782 on 31 Jul 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	6 Months 19 Days
Modified Duration	6 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,400
31 Aug 23	₹11,144
31 Aug 24	₹11,986
31 Aug 25	₹12,939

UTI Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.4%
1 Year	6.4%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	7.7%
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.75 Yr.
Amit Sharma	7 Jul 17	9.16 Yr.

Data below for UTI Money Market Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	88.64%
Debt	11.07%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	46.15%
Cash Equivalent	34%
Government	19.55%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹660 Cr	6,629,850,000
India (Republic of) - \| -	2%	₹390 Cr	4,000,000,000 ↑ 4,000,000,000
Tbill Sovereign Bonds \| -	2%	₹300 Cr	3,000,000,000
Tbill Sovereign Bonds \| -	2%	₹299 Cr	3,000,000,000
5.74% Govt Stock 2026 Sovereign Bonds \| -	1%	₹280 Cr	2,800,000,000
UCO Bank Domestic Bonds \| -	1%	₹236 Cr	2,500,000,000
Tbill Sovereign Bonds \| -	1%	₹200 Cr	2,000,000,000
Indian Overseas Bank Debentures \| -	1%	₹193 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	1%	₹193 Cr	2,000,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹187 Cr	2,000,000,000 ↑ 2,000,000,000

2. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹30,160 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (top quartile).
1M return: 0.62% (top quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (top quartile).
Modified duration: 0.57 yrs (bottom quartile).
Average maturity: 0.58 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~4.6%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (31 Aug 26)	₹398.61 ↑ 0.23 (0.06 %)
Net Assets (Cr)	₹30,160 on 31 Jul 26
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	0.63
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,396
31 Aug 23	₹11,138
31 Aug 24	₹11,984
31 Aug 25	₹12,927

Aditya Birla Sun Life Money Manager Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.3%
6 Month	3.4%
1 Year	6.4%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Anuj Jain	22 Mar 21	5.36 Yr.
Mohit Sharma	1 Apr 17	9.34 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	68.9%
Debt	31.1%

Debt Sector Allocation

Sector	Value
Corporate	55.57%
Cash Equivalent	31.95%
Government	12.48%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	5%	₹1,406 Cr	29,000
The Jammu And Kashmir Bank Limited Debentures \| -	3%	₹963 Cr	20,000
Axis Bank Ltd. Debentures \| -	3%	₹929 Cr	19,000
Federal Bank Ltd. Debentures \| -	3%	₹918 Cr	19,000
Gujarat State Development Loans Sovereign Bonds \| -	3%	₹797 Cr	79,327,600
India (Republic of) - \| -	2%	₹495 Cr	50,000,000
Karur Vysya Bank Ltd. Debentures \| -	2%	₹482 Cr	10,000
The Jammu And Kashmir Bank Limited Debentures \| -	2%	₹481 Cr	10,000
Tbill Sovereign Bonds \| -	1%	₹397 Cr	40,000,000
India (Republic of) - \| -	1%	₹272 Cr	27,500,000 ↑ 27,500,000

3. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Research Highlights for Tata Money Market Fund

Top quartile AUM (₹34,138 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.59% (lower mid).
Sharpe: 0.74 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.51 yrs (top quartile).
Average maturity: 0.51 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.1%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (31 Aug 26)	₹5,085.85 ↑ 3.03 (0.06 %)
Net Assets (Cr)	₹34,138 on 31 Jul 26
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	0.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 5 Days
Modified Duration	6 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,390
31 Aug 23	₹11,124
31 Aug 24	₹11,967
31 Aug 25	₹12,909

Tata Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.4%
1 Year	6.4%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.4%
2022	4.8%
2021	3.9%
2020	6.4%
2019	8.1%
2018	-0.1%
2017	6.7%
2016	7.6%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	12.88 Yr.
Harsh Dave	1 Jun 26	0.25 Yr.

Data below for Tata Money Market Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	81.43%
Debt	18.27%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	47.62%
Cash Equivalent	32%
Government	20.08%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹1,417 Cr	142,500,000
India (Republic of) - \| -	2%	₹829 Cr	85,000,000
IDFC First Bank Ltd. Debentures \| -	2%	₹729 Cr	15,000
Axis Bank Ltd. Debentures \| -	2%	₹724 Cr	15,000
The Jammu And Kashmir Bank Limited Debentures \| -	2%	₹722 Cr	15,000
Indian Overseas Bank Debentures \| -	2%	₹675 Cr	14,000
Equitas Small Finance Bank Ltd. Debentures \| -	2%	₹576 Cr	12,000
7.86% Karnataka Sdl 2027 Sovereign Bonds \| -	1%	₹491 Cr	48,500,000
India (Republic of) - \| -	1%	₹403 Cr	40,500,000
India (Republic of) - \| -	1%	₹320 Cr	32,000,000 ↑ 12,000,000

4. Kotak Money Market Scheme

(Erstwhile Kotak Floater Short Term Fund)

To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives.

Research Highlights for Kotak Money Market Scheme

Upper mid AUM (₹30,297 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.59% (bottom quartile).
Sharpe: 0.68 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.55 yrs (lower mid).
Average maturity: 0.55 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.0%).

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (31 Aug 26)	₹4,836.06 ↑ 2.94 (0.06 %)
Net Assets (Cr)	₹30,297 on 31 Jul 26
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	0.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	6 Months 18 Days
Modified Duration	6 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,402
31 Aug 23	₹11,129
31 Aug 24	₹11,967
31 Aug 25	₹12,906

Kotak Money Market Scheme SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.4%
1 Year	6.4%
3 Year	7.2%
5 Year	6.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.3%
2022	4.9%
2021	3.7%
2020	5.7%
2019	8%
2018	7.7%
2017	6.7%
2016	7.7%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	7 Aug 26	0.07 Yr.
Manu Sharma	7 Aug 26	0.07 Yr.

Data below for Kotak Money Market Scheme as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	80.95%
Debt	18.74%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	45.31%
Cash Equivalent	27.94%
Government	26.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹1,218 Cr	125,000,000 ↑ 125,000,000
India (Republic of) - \| -	4%	₹1,194 Cr	120,000,000 ↓ -15,000,000
India (Republic of) - \| -	3%	₹852 Cr	87,484,400 ↑ 87,484,400
Indusind Bank Ltd. Debentures \| -	2%	₹727 Cr	75,000
India (Republic of) - \| -	2%	₹488 Cr	50,000,000
Punjab National Bank Debentures \| -	2%	₹485 Cr	50,000
Federal Bank Ltd. Debentures \| -	1%	₹364 Cr	37,500
India (Republic of) - \| -	1%	₹337 Cr	34,500,000
Karur Vysya Bank Ltd. Debentures \| -	1%	₹241 Cr	25,000
Union Bank of India Debentures \| -	1%	₹236 Cr	25,000

5. Franklin India Savings Fund

(Erstwhile Franklin India Savings Plus Fund Retail Option)

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Research Highlights for Franklin India Savings Fund

Bottom quartile AUM (₹4,205 Cr).
Established history (24+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.37% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.69 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.94% (top quartile).
Modified duration: 0.46 yrs (top quartile).
Average maturity: 0.61 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.67% Uttarpradesh Sdl 2027 (~9.2%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (31 Aug 26)	₹54.0264 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹4,205 on 31 Jul 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	7 Months 10 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,361
31 Aug 23	₹11,073
31 Aug 24	₹11,898
31 Aug 25	₹12,840

Franklin India Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Franklin India Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.3%
1 Year	6.4%
3 Year	7.2%
5 Year	6.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.3%
2022	4.4%
2021	3.6%
2020	6%
2019	8.5%
2018	7.5%
2017	7.2%
2016	8.1%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.9 Yr.
Rohan Maru	10 Oct 24	1.89 Yr.
Chandni Gupta	30 Apr 24	2.34 Yr.

Data below for Franklin India Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	87.65%
Debt	12.09%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	40.1%
Corporate	36.28%
Government	23.36%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.67% Uttarpradesh Sdl 2027 Sovereign Bonds \| -	9%	₹389 Cr	37,500,000
Union Bank of India Debentures \| -	2%	₹99 Cr	2,000
Axis Bank Ltd. Debentures \| -	2%	₹98 Cr	2,000
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹11 Cr	9,359
7.78% Telangana Sdl 2027 Sovereign Bonds \| -	0%	₹10 Cr	1,000,000
7.88% Punjab SDL 2027 Sovereign Bonds \| -	0%	₹5 Cr	500,000
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
7.14% Punjab SDL 2027 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Tbill Sovereign Bonds \| -	0%	₹5 Cr	500,000
Bajaj Housing Finance Limited Commercial Paper \| -	7%	₹290 Cr	6,000

6. ICICI Prudential Money Market Fund

The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

Research Highlights for ICICI Prudential Money Market Fund

Highest AUM (₹34,627 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.36% (lower mid).
1M return: 0.60% (upper mid).
Sharpe: 0.64 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.82% (bottom quartile).
Modified duration: 0.54 yrs (lower mid).
Average maturity: 0.58 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.3%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (31 Aug 26)	₹408.65 ↑ 0.25 (0.06 %)
Net Assets (Cr)	₹34,627 on 31 Jul 26
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	0.64
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.82%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,383
31 Aug 23	₹11,119
31 Aug 24	₹11,957
31 Aug 25	₹12,902

ICICI Prudential Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.3%
1 Year	6.4%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.4%
2022	4.7%
2021	3.7%
2020	6.2%
2019	7.9%
2018	7.7%
2017	6.7%
2016	7.7%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	3.22 Yr.
Nikhil Kabra	3 Aug 16	10.08 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	86.79%
Debt	12.96%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	50.46%
Cash Equivalent	27.33%
Government	21.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹1,228 Cr	125,000,000
India (Republic of) - \| -	2%	₹876 Cr	88,500,000 ↓ -20,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹481 Cr	10,000 ↑ 7,000
Bank of India Ltd. Debentures \| -	1%	₹435 Cr	9,000
India (Republic of) - \| -	1%	₹424 Cr	43,493,100
India (Republic of) - \| -	1%	₹411 Cr	42,000,000 ↓ -7,500,000
India (Republic of) - \| -	1%	₹392 Cr	40,000,000
India (Republic of) - \| -	1%	₹335 Cr	34,000,000 ↑ 10,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹257 Cr	5,500 ↑ 5,500
India (Republic of) - \| -	1%	₹247 Cr	25,000,000

7. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

Upper mid AUM (₹31,371 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 0.65 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.90% (upper mid).
Modified duration: 0.53 yrs (upper mid).
Average maturity: 0.57 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~73%).
High-quality debt (AAA/AA ~100%).
Largest holding Indian Overseas Bank (~2.9%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (31 Aug 26)	₹6,153.69 ↑ 3.40 (0.06 %)
Net Assets (Cr)	₹31,371 on 31 Jul 26
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	0.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.9%
Effective Maturity	6 Months 24 Days
Modified Duration	6 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,387
31 Aug 23	₹11,113
31 Aug 24	₹11,944
31 Aug 25	₹12,880

HDFC Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.3%
1 Year	6.3%
3 Year	7.2%
5 Year	6.5%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.3%
2022	4.7%
2021	3.8%
2020	6.5%
2019	8.1%
2018	7.4%
2017	6.5%
2016	7.5%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	31 Aug 24	1.92 Yr.
Dhruv Muchhal	22 Jun 23	3.11 Yr.

Data below for HDFC Money Market Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	72.62%
Debt	27.11%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	45.65%
Cash Equivalent	34.12%
Government	19.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Overseas Bank Debentures \| -	3%	₹966 Cr	20,000
Small Industries Development Bank of India Debentures \| -	3%	₹934 Cr	20,000 ↑ 20,000
India (Republic of) - \| -	2%	₹781 Cr	80,000,000
Punjab & Sind Bank Debentures \| -	2%	₹627 Cr	13,000
India (Republic of) - \| -	1%	₹491 Cr	50,000,000
India (Republic of) - \| -	1%	₹488 Cr	50,000,000
Axis Bank Ltd. Debentures \| -	1%	₹459 Cr	9,500
Bank of India Ltd. Debentures \| -	1%	₹435 Cr	9,000
India (Republic of) - \| -	1%	₹390 Cr	40,000,000 ↑ 40,000,000
Canara Bank Domestic Bonds \| -	1%	₹330 Cr	7,000 ↓ -3,000

8. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Money Market Fund

Lower mid AUM (₹23,227 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.59% (lower mid).
Sharpe: 0.62 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.89% (upper mid).
Modified duration: 0.53 yrs (upper mid).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding UCO Bank (~1.9%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (31 Aug 26)	₹4,469.32 ↑ 2.69 (0.06 %)
Net Assets (Cr)	₹23,227 on 31 Jul 26
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	0.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.89%
Effective Maturity	6 Months 26 Days
Modified Duration	6 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,410
31 Aug 23	₹11,147
31 Aug 24	₹11,992
31 Aug 25	₹12,940
31 Aug 26	₹13,761

Nippon India Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	3.4%
1 Year	6.3%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.8%
2023	7.4%
2022	5%
2021	3.8%
2020	6%
2019	8.1%
2018	7.9%
2017	6.6%
2016	7.6%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	8.13 Yr.
Vikash Agarwal	14 Sep 24	1.96 Yr.
Amber Singhania	11 Mar 26	0.47 Yr.

Data below for Nippon India Money Market Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	77.27%
Debt	22.47%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	46.97%
Cash Equivalent	34.22%
Government	18.55%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
UCO Bank Domestic Bonds \| -	2%	₹483 Cr	10,000
Tbill Sovereign Bonds \| -	2%	₹424 Cr	42,500,000
India (Republic of) - \| -	2%	₹390 Cr	40,000,000 ↑ 40,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹385 Cr	8,000 ↑ 7,000
UCO Bank Domestic Bonds \| -	1%	₹331 Cr	7,000
India (Republic of) - \| -	1%	₹294 Cr	30,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹280 Cr	6,000 ↑ 6,000
Bank of Baroda Debentures \| -	1%	₹260 Cr	5,500 ↑ 1,500
Tbill Sovereign Bonds \| -	1%	₹259 Cr	26,000,000
04/02/2027 Maturing 364 DTB Sovereign Bonds \| -	1%	₹244 Cr	25,000,000 ↑ 25,000,000

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