एसडब्ल्यूपी कैलकुलेटर - व्यवस्थित निकासी योजना कैलकुलेटर

Updated on June 28, 2026 , 38976 views

एसडब्ल्यूपी कैलकुलेटर एक ऐसा उपकरण है जो व्यक्तियों को यह गणना करने में मदद करता है कि उनका एसडब्ल्यूपी निवेश अवधि के दौरान कैसा रहेगा। SWP या सिस्टमैटिक विदड्रॉअल प्लान, यूनिट्स को रिडीम करने या इनमें निवेश करने की एक तकनीक हैम्यूचुअल फंड्स. एसडब्ल्यूपी में, व्यक्ति अपना पैसा म्यूचुअल फंड योजना में निवेश करते हैं और फिर एक निश्चित अवधि में अपने निवेश को वापस ले लेते हैं। एसडब्ल्यूपी आम तौर पर उन व्यक्तियों के लिए उपयुक्त है जो एक निश्चित की तलाश में हैंआय नियमित कार्यकाल के दौरान। यह लेख आपको सिस्टमैटिक विदड्रॉल प्लान की अवधारणा, एसडब्ल्यूपी कैलकुलेटर कैसे काम करता है, और अन्य संबंधित मापदंडों की समग्र समझ देता है।

म्यूचुअल फंड में SWP का क्या मतलब है?

म्यूचुअल फंड में व्यवस्थित निकासी योजना या एसडब्ल्यूपी म्यूचुअल फंड निवेश की इकाइयों को भुनाने की एक व्यवस्थित और नियोजित प्रक्रिया को संदर्भित करता है। SWP की अवधारणा इसके विपरीत तरीके से काम करती हैसिप. एसडब्ल्यूपी में, व्यक्ति म्यूचुअल फंड योजनाओं में एकमुश्त राशि का निवेश करते हैं जो आम तौर पर कम जोखिम वाली होती हैं, जैसेलिक्विड फंड या अल्ट्राअल्पकालिक निधि. इसके बाद व्यक्ति नियमित अंतराल पर निवेश की गई राशि को निकालना शुरू कर देते हैं। व्यक्ति अपनी आवश्यकताओं के आधार पर अपनी निकासी की आवृत्ति जैसे मासिक, त्रैमासिक, वार्षिक आदि को अनुकूलित कर सकते हैं। इस मामले में, म्यूचुअल फंड में निवेश किया गया पैसा भी व्यक्तियों के लिए राजस्व प्राप्त करता है। व्यक्ति, विशेष रूप से सेवानिवृत्त व्यक्ति, जो आय के नियमित स्रोत की तलाश में हैं, वे व्यवस्थित निकासी योजना का विकल्प चुन सकते हैं।म्यूचुअल फंड में निवेश.

एसडब्ल्यूपी म्यूचुअल फंड कैलकुलेटर

SWP कैलकुलेटर व्यक्तियों को एक निश्चित अवधि में म्यूचुअल फंड निवेश में उनकी निकासी का अनुमान लगाने में मदद करता है। एसडब्ल्यूपी कैलकुलेटर में दर्ज किए जाने वाले इनपुट डेटा में शामिल हैं:

एसडब्ल्यूपी/आहरण राशि - यह निश्चित निकासी राशि को संदर्भित करता है जिसे आप नियमित अंतराल पर निकालने की योजना बना रहे हैं।
प्रारंभिक निवेश - प्रारंभिक निवेश एकमुश्त राशि को संदर्भित करता है जिसे आप म्यूचुअल फंड योजना में निवेश करना चाहते हैं।
निकासी आवृत्ति - निकासी आवृत्ति, उस समय सीमा को संदर्भित करती है जिस पर आप अपना निवेश वापस लेना चाहते हैं। यह मासिक, साप्ताहिक या त्रैमासिक हो सकता है। आम तौर पर गणना मासिक के लिए की जाती है।
रिटर्न की अपेक्षित दर - इसका मतलब है कि आप अपने निवेश पर रिटर्न की उम्मीद कर रहे हैं।

तो, आइए हम एक उदाहरण के साथ एसडब्ल्यूपी कैलकुलेटर की अवधारणा को विस्तृत रूप से समझते हैं।

नमूना चित्रण

प्रारंभिक निवेश राशि - INR 1.20,000
एसडब्ल्यूपी राशि - INR 10,000
निकासी अवधि - 12 महीने
वापसी की अपेक्षित दर - 7%

एसडब्ल्यूपी तालिका की गणना नीचे दी गई है।

महीना	माह की शुरुआत में शेष राशि (INR)	मोचन राशि (INR)	अर्जित ब्याज (INR)	माह के अंत में शेष राशि (INR)
1	1,20,000	10,000	642	1,10,642
2	1,10,642	10,000	587	1,01,229
3	1,01,229	10,000	532	91,761
4	91,761	10,000	477	82,238
5	82,238	10,000	421	72,659
6	72,659	10,000	366	63,025
7	63,025	10,000	309	53,334
8	53,334	10,000	253	43,587
9	43,587	10,000	196	33,783
10	33,783	10,000	139	23,921
1 1	23,921	10,000	81	14,003
12	14,003	10,000	23	4,026

इस प्रकार, उपरोक्त तालिका से, यह कहा जा सकता है कि एसडब्ल्यूपी लेनदेन के माध्यम से म्यूचुअल फंड योजना का अर्जित लाभ 4,026 रुपये है।

SWP Calculator

VALUE AT END OF TENOR:₹4,597

व्यवस्थित निकासी योजना के लाभ

एसडब्ल्यूपी के कुछ प्रमुख लाभ इस प्रकार हैं।

नियमित आय प्रवाह

SWP के प्राथमिक लाभों में से एक यह है कि व्यक्ति नियमित आय के स्रोत के रूप में व्यवस्थित निकासी योजना का उपयोग कर सकते हैं। ऐसा इसलिए है क्योंकि निकाली गई राशि स्थिर रहती है।

अनुशासित निकासी की आदत

SWP व्यक्तियों के बीच एक अनुशासित निकासी की आदत बनाता है क्योंकि केवल एक निश्चित राशि निकाली जाती है और शेष धन को म्यूचुअल फंड में निवेश किया जाता है। यह रोकता हैराजधानी निवेश पर कटाव साथ ही, म्यूचुअल फंड में निवेश रिटर्न उत्पन्न करता है।

पेंशन के लिए विकल्प

SWP सेवानिवृत्त व्यक्तियों के मामले में पेंशन के विकल्प के रूप में कार्य करता है। सेवानिवृत्त व्यक्ति एसडब्ल्यूपी के माध्यम से नियमित आय के लिए स्वयं को आश्वस्त कर सकते हैं।

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2022 के लिए सर्वश्रेष्ठ एसडब्ल्यूपी म्यूचुअल फंड

एसडब्ल्यूपी आम तौर पर म्यूचुअल फंड योजनाओं में किया जाता है जिसमें लिक्विड फंड जैसे जोखिम का स्तर कम होता है। इसलिए, लिक्विड/अल्ट्राशॉर्ट श्रेणी के तहत कुछ बेहतरीन म्यूचुअल फंड योजनाएं जिनकी शुद्ध संपत्ति . से अधिक है1000 करोड़ नीचे सूचीबद्ध हैं।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹584.265 ↑ 0.44	₹19,611	1.8	3.1	6.4	7.3	7.4	7.98%	5M 16D	6M 25D
Axis Liquid Fund Growth	₹3,093.18 ↑ 1.20	₹56,168	1.8	3.3	6.3	7	6.6	6.23%	1M 5D	1M 5D
BOI AXA Liquid Fund Growth	₹3,199.06 ↑ 1.34	₹1,720	1.8	3.3	6.3	7	6.6	6.11%	1M 10D	1M 10D
Edelweiss Liquid Fund Growth	₹3,552.22 ↑ 1.38	₹15,222	1.8	3.3	6.3	6.9	6.5	6.51%	1M 6D	1M 6D
DSP Liquidity Fund Growth	₹3,965.13 ↑ 1.51	₹19,019	1.8	3.3	6.3	6.9	6.5	0%	1M 1D
UTI Liquid Cash Plan Growth	₹455.565 ↑ 0.17	₹33,248	1.8	3.3	6.3	6.9	6.5	6.62%	1M 5D	1M 6D
Aditya Birla Sun Life Liquid Fund Growth	₹447.473 ↑ 0.19	₹47,520	1.8	3.3	6.3	6.9	6.5	7.01%	1M 17D	1M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Jul 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Axis Liquid Fund	BOI AXA Liquid Fund	Edelweiss Liquid Fund	DSP Liquidity Fund	UTI Liquid Cash Plan	Aditya Birla Sun Life Liquid Fund
Point 1	Lower mid AUM (₹19,611 Cr).	Highest AUM (₹56,168 Cr).	Bottom quartile AUM (₹1,720 Cr).	Bottom quartile AUM (₹15,222 Cr).	Lower mid AUM (₹19,019 Cr).	Upper mid AUM (₹33,248 Cr).	Upper mid AUM (₹47,520 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.35% (top quartile).	1Y return: 6.34% (upper mid).	1Y return: 6.34% (upper mid).	1Y return: 6.34% (lower mid).	1Y return: 6.32% (lower mid).	1Y return: 6.31% (bottom quartile).	1Y return: 6.30% (bottom quartile).
Point 6	1M return: 1.03% (top quartile).	1M return: 0.65% (lower mid).	1M return: 0.65% (lower mid).	1M return: 0.65% (bottom quartile).	1M return: 0.66% (upper mid).	1M return: 0.64% (bottom quartile).	1M return: 0.66% (upper mid).
Point 7	Sharpe: 0.52 (bottom quartile).	Sharpe: 2.39 (upper mid).	Sharpe: 2.65 (top quartile).	Sharpe: 2.22 (lower mid).	Sharpe: 2.26 (lower mid).	Sharpe: 2.39 (upper mid).	Sharpe: 2.20 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 2.14 (top quartile).	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): 7.98% (top quartile).	Yield to maturity (debt): 6.23% (lower mid).	Yield to maturity (debt): 6.11% (bottom quartile).	Yield to maturity (debt): 6.51% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.62% (upper mid).	Yield to maturity (debt): 7.01% (upper mid).
Point 10	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.10 yrs (lower mid).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.13 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹19,611 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.35% (top quartile).
1M return: 1.03% (top quartile).
Sharpe: 0.52 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.98% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹56,168 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.34% (upper mid).
1M return: 0.65% (lower mid).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.23% (lower mid).
Modified duration: 0.10 yrs (upper mid).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,720 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.34% (upper mid).
1M return: 0.65% (lower mid).
Sharpe: 2.65 (top quartile).
Information ratio: 2.14 (top quartile).
Yield to maturity (debt): 6.11% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹15,222 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (lower mid).
1M return: 0.65% (bottom quartile).
Sharpe: 2.22 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 yrs (lower mid).

DSP Liquidity Fund

Lower mid AUM (₹19,019 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.32% (lower mid).
1M return: 0.66% (upper mid).
Sharpe: 2.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

UTI Liquid Cash Plan

Upper mid AUM (₹33,248 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.31% (bottom quartile).
1M return: 0.64% (bottom quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.62% (upper mid).
Modified duration: 0.10 yrs (upper mid).

Aditya Birla Sun Life Liquid Fund

Upper mid AUM (₹47,520 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.66% (upper mid).
Sharpe: 2.20 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (upper mid).
Modified duration: 0.13 yrs (bottom quartile).

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹19,611 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.35% (top quartile).
1M return: 1.03% (top quartile).
Sharpe: 0.52 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.98% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.57 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~72%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.8%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (01 Jul 26)	₹584.265 ↑ 0.44 (0.07 %)
Net Assets (Cr)	₹19,611 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.98%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,384
30 Jun 23	₹11,065
30 Jun 24	₹11,889
30 Jun 25	₹12,852
30 Jun 26	₹13,668

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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 1 Jul 26

Duration	Returns
1 Month	1%
3 Month	1.8%
6 Month	3.1%
1 Year	6.4%
3 Year	7.3%
5 Year	6.4%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.96 Yr.
Kaustubh Gupta	15 Jul 11	14.89 Yr.
Monika Gandhi	22 Mar 21	5.2 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	28.11%
Debt	71.56%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	70.53%
Government	19.93%
Cash Equivalent	9.22%

Credit Quality

Rating	Value
AA	32.23%
AAA	67.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹982 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹743 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹607 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹537 Cr	11,000
Bharti Telecom Limited Debentures \| -	2%	₹395 Cr	40,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹388 Cr	39,000
Muthoot Finance Limited Debentures \| -	2%	₹348 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹326 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000

2. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Liquid Fund

Highest AUM (₹56,168 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.34% (upper mid).
1M return: 0.65% (lower mid).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.23% (lower mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.5%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (01 Jul 26)	₹3,093.18 ↑ 1.20 (0.04 %)
Net Assets (Cr)	₹56,168 on 31 May 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.23%
Effective Maturity	1 Month 5 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,361
30 Jun 23	₹11,030
30 Jun 24	₹11,839
30 Jun 25	₹12,692
30 Jun 26	₹13,498

Axis Liquid 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 Axis Liquid Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	7%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.58 Yr.
Aditya Pagaria	13 Aug 16	9.81 Yr.
Sachin Jain	3 Jul 23	2.92 Yr.

Data below for Axis Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	68.85%
Corporate	24.16%
Government	6.8%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹1,785 Cr	179,500,000 ↑ 4,500,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹1,738 Cr	35,000
Reliance Jio Infocomm Limited Commercial Paper \| -	3%	₹1,498 Cr	30,000
Tbill Sovereign Bonds \| -	3%	₹1,494 Cr	150,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,291 Cr	26,000
Bank of Baroda Debentures \| -	2%	₹1,290 Cr	26,000 ↑ 6,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹1,247 Cr	25,000
India (Republic of) - \| -	2%	₹1,230 Cr	123,560,400
Tata Steel Ltd. Commercial Paper \| -	2%	₹995 Cr	20,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹991 Cr	20,000

3. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for BOI AXA Liquid Fund

Bottom quartile AUM (₹1,720 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.34% (upper mid).
1M return: 0.65% (lower mid).
Sharpe: 2.65 (top quartile).
Information ratio: 2.14 (top quartile).
Yield to maturity (debt): 6.11% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.11 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.6%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (01 Jul 26)	₹3,199.06 ↑ 1.34 (0.04 %)
Net Assets (Cr)	₹1,720 on 31 May 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	2.65
Information Ratio	2.14
Alpha Ratio	0.1
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.11%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,363
30 Jun 23	₹11,033
30 Jun 24	₹11,845
30 Jun 25	₹12,702
30 Jun 26	₹13,508

BOI AXA Liquid 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 BOI AXA Liquid Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	7%
5 Year	6.2%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.79 Yr.

Data below for BOI AXA Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.69%
Other	0.31%

Debt Sector Allocation

Sector	Value
Cash Equivalent	62.15%
Corporate	24.86%
Government	12.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹100 Cr	10,000,000
Export-Import Bank Of India Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
Indian Bank Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
Punjab National Bank Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
Godrej Consumer Products Limited Commercial Paper \| -	4%	₹75 Cr	7,500,000
Tbill Sovereign Bonds \| -	4%	₹75 Cr	7,500,000
Reliance Industries Limited Commercial Paper \| -	4%	₹75 Cr	7,500,000 ↑ 7,500,000
Tbill Sovereign Bonds \| -	4%	₹74 Cr	7,500,000
Union Bank Of India Certificate of Deposit \| -	4%	₹71 Cr	7,100,000
Tbill Sovereign Bonds \| -	3%	₹50 Cr	5,000,000

4. Edelweiss Liquid Fund

The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for Edelweiss Liquid Fund

Bottom quartile AUM (₹15,222 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (lower mid).
1M return: 0.65% (bottom quartile).
Sharpe: 2.22 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 yrs (lower mid).
Average maturity: 0.10 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Axis Bank Limited (~3.5%).

Below is the key information for Edelweiss Liquid Fund

Edelweiss Liquid Fund Growth
Launch Date	21 Sep 07
NAV (01 Jul 26)	₹3,552.22 ↑ 1.38 (0.04 %)
Net Assets (Cr)	₹15,222 on 31 May 26
Category	Debt - Liquid Fund
AMC	Edelweiss Asset Management Limited
Rating	☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.51%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,340
30 Jun 23	₹10,990
30 Jun 24	₹11,783
30 Jun 25	₹12,627
30 Jun 26	₹13,428

Edelweiss Liquid 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 Edelweiss Liquid Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	6.9%
2022	4.7%
2021	3.2%
2020	4.1%
2019	6.6%
2018	7.4%
2017	6.6%
2016	6.8%

Fund Manager information for Edelweiss Liquid Fund

Name	Since	Tenure
Rahul Dedhia	11 Dec 17	8.48 Yr.
Hetul Raval	22 Sep 25	0.69 Yr.

Data below for Edelweiss Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	59.03%
Corporate	27.51%
Government	13.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Limited Certificate of Deposit \| -	4%	₹522 Cr	52,500,000
India (Republic of) - \| -	3%	₹494 Cr	50,000,000 ↑ 50,000,000
India (Republic of) - \| -	3%	₹494 Cr	50,000,000 ↑ 50,000,000
Reverse Repo CBLO/Reverse Repo \| -	3%	₹472 Cr
Indian Bank Certificate of Deposit \| -	3%	₹449 Cr	45,000,000
Titan Company Ltd R Vd Commercial Paper \| -	3%	₹397 Cr	40,000,000
11/06/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹374 Cr	37,500,000
India (Republic of) - \| -	2%	₹349 Cr	35,000,000
Export-Import Bank Of India Certificate of Deposit \| -	2%	₹349 Cr	35,000,000
Bank of Baroda Debentures \| -	2%	₹344 Cr	35,000,000 ↑ 35,000,000

5. DSP Liquidity Fund

The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts

Research Highlights for DSP Liquidity Fund

Lower mid AUM (₹19,019 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.32% (lower mid).
1M return: 0.66% (upper mid).
Sharpe: 2.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: NIL.
Top sector: Communication Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~4.5%).

Below is the key information for DSP Liquidity Fund

DSP Liquidity Fund Growth
Launch Date	23 Nov 05
NAV (01 Jul 26)	₹3,965.13 ↑ 1.51 (0.04 %)
Net Assets (Cr)	₹19,019 on 31 May 26
Category	Debt - Liquid Fund
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.21
Sharpe Ratio	2.26
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity
Modified Duration	1 Month 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,357
30 Jun 23	₹11,016
30 Jun 24	₹11,817
30 Jun 25	₹12,668
30 Jun 26	₹13,469

DSP Liquidity 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 DSP Liquidity Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.4%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.5%
2018	7.4%
2017	6.6%
2016	7.6%

Fund Manager information for DSP Liquidity Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5 Yr.
Shalini Vasanta	1 Aug 24	1.83 Yr.
Kunal Khudania	1 Jan 26	0.41 Yr.

Data below for DSP Liquidity Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.77%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.02%
Corporate	16.62%
Government	8.13%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	5%	₹995 Cr	99,650,000 ↑ 20,000,000
India (Republic of) - \| -	3%	₹693 Cr	70,000,000
Day Tbill Sovereign Bonds \| -	3%	₹569 Cr	57,000,000 ↑ 28,500,000
28/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹524 Cr	52,500,000 ↑ 25,000,000
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹501 Cr
Tata Steel Limited Commercial Paper \| -	2%	₹498 Cr	10,000
Export-Import Bank Of India Certificate of Deposit \| -	2%	₹474 Cr	9,500
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹448 Cr
Net Receivables/Payables CBLO \| -	2%	₹413 Cr
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹397 Cr	8,000

6. UTI Liquid Cash Plan

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Liquid Cash Plan

Upper mid AUM (₹33,248 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.31% (bottom quartile).
1M return: 0.64% (bottom quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.62% (upper mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Current Assets (~18.7%).

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan Growth
Launch Date	11 Dec 03
NAV (01 Jul 26)	₹455.565 ↑ 0.17 (0.04 %)
Net Assets (Cr)	₹33,248 on 31 May 26
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	6.62%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,358
30 Jun 23	₹11,024
30 Jun 24	₹11,826
30 Jun 25	₹12,674
30 Jun 26	₹13,474

UTI Liquid Cash Plan 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 Liquid Cash Plan

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

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Liquid Cash Plan

Name	Since	Tenure
Amit Sharma	7 Jul 17	8.91 Yr.

Data below for UTI Liquid Cash Plan as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.77%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	76.28%
Corporate	18.23%
Government	5.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	19%	₹5,656 Cr
India (Republic of) - \| -	3%	₹897 Cr	9,000,000,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹891 Cr	9,000,000,000 ↓ -1,000,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹748 Cr	7,500,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹747 Cr	7,500,000,000 ↓ -2,500,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹746 Cr	7,500,000,000
Icici Securities Limited Commercial Paper \| -	2%	₹598 Cr	6,000,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹548 Cr	5,500,000,000
Bank of India Ltd. Debentures \| -	2%	₹499 Cr	5,000,000,000
Canara Bank Certificate of Deposit \| -	2%	₹498 Cr	5,000,000,000

7. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Research Highlights for Aditya Birla Sun Life Liquid Fund

Upper mid AUM (₹47,520 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.66% (upper mid).
Sharpe: 2.20 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.01% (upper mid).
Modified duration: 0.13 yrs (bottom quartile).
Average maturity: 0.14 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~4.0%).

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (01 Jul 26)	₹447.473 ↑ 0.19 (0.04 %)
Net Assets (Cr)	₹47,520 on 31 May 26
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	2.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.01%
Effective Maturity	1 Month 20 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,357
30 Jun 23	₹11,026
30 Jun 24	₹11,828
30 Jun 25	₹12,676
30 Jun 26	₹13,475

Aditya Birla Sun Life Liquid 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 Liquid Fund

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

Duration	Returns
1 Month	0.7%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7.1%
2022	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	14.89 Yr.
Kaustubh Gupta	15 Jul 11	14.89 Yr.
Sanjay Pawar	1 Jul 22	3.92 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	98.56%
Debt	1.21%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.74%
Corporate	18.02%
Government	11.01%

Credit Quality

Rating	Value
AA	0.16%
AAA	99.84%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹2,438 Cr	244,000,000
India (Republic of) - \| -	3%	₹2,127 Cr	215,312,800 ↑ 215,312,800
India (Republic of) - \| -	3%	₹1,995 Cr	200,000,000
India (Republic of) - \| -	3%	₹1,554 Cr	157,397,500 ↑ 157,397,500
Net Receivables / (Payables) Net Current Assets \| -	2%	-₹1,511 Cr
Punjab National Bank Debentures \| -	2%	₹1,218 Cr	24,500 ↑ 24,500
Rbl Bank Limited Certificate of Deposit \| -	2%	₹995 Cr	20,000 ↑ 20,000
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹990 Cr	100,000,000 ↑ 100,000,000
Bank of Baroda Debentures \| -	2%	₹983 Cr	20,000 ↑ 20,000
PNb Housing Finance Ltd Commercial Paper \| -	2%	₹970 Cr	19,500

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।