लिक्विड म्यूचुअल फंड: कैसे चुनें?
तरलम्यूचुअल फंड्स अनिवार्य रूप से हैंमुद्रा बाजार (ऋण) फंड जो छोटी अवधि के पैसे में निवेश करते हैंमंडी ट्रेजरी बिल, सावधि जमा, जमा प्रमाणपत्र, वाणिज्यिक पत्र आदि सहित उपकरण। आम तौर पर, लिक्विड म्यूचुअल फंड आपके पैसे को छोटी अवधि के लिए निवेश करने के विकल्प होते हैं। प्रतिभूतियां जो का हिस्सा हैंलिक्विड फंड 91 दिनों से कम की परिपक्वता है। लिक्विड फंड में कोई लॉक-इन अवधि नहीं होती है, इसलिए निवेश की गई संपत्ति लंबे समय के लिए बाध्य नहीं होती है, इस प्रकार आपके पैसे उपलब्ध रहते हैं। लिक्विड फंड रिटर्न अस्थिर होते हैं क्योंकि वे वित्तीय बाजार में फंड के प्रदर्शन पर निर्भर होते हैं। का चयन करनाबेस्ट लिक्विड फंड हालांकि, यह एक मुश्किल काम है, कोई भी उन्हें आंकने के लिए कुछ मापदंडों का उपयोग कर सकता है।
लिक्विड म्युचुअल फंड का चयन करने के लिए जिन बुनियादी मापदंडों का उपयोग किया जा सकता है, वे इस प्रकार हैं:
- रिटर्न या पिछला ट्रैक रिकॉर्ड
- पोर्टफोलियो और परिपक्वता प्रोफ़ाइल
- लिक्विडिटी फंड का आकार &
- रेटिंग एजेंसी द्वारा प्रदर्शन रेटिंग
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1. लिक्विड फंड रिटर्न
विभिन्न लिक्विड फंडों पर रिटर्न को देखते हुए:
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity BOI AXA Liquid Fund Growth ₹3,026.37
↑ 0.46 ₹2,088 0.5 1.6 3.4 7.1 7.4 5.85% 1M 28D 1M 24D Indiabulls Liquid Fund Growth ₹2,541.33
↑ 0.78 ₹328 0.5 1.6 3.4 7.1 7.4 5.87% 1M 28D 1M 29D Axis Liquid Fund Growth ₹2,926.02
↑ 0.45 ₹33,529 0.5 1.5 3.4 7.1 7.4 5.96% 1M 27D 2M 1D DSP Liquidity Fund Growth ₹3,751.7
↑ 0.57 ₹16,926 0.5 1.5 3.3 7 7.4 5.95% 1M 28D 2M 1D Canara Robeco Liquid Growth ₹3,162.94
↑ 0.48 ₹5,383 0.5 1.5 3.4 7 7.4 5.85% 1M 24D 1M 27D Invesco India Liquid Fund Growth ₹3,611.92
↑ 0.54 ₹12,320 0.5 1.5 3.3 7 7.4 6.19% 1M 22D 1M 22D PGIM India Insta Cash Fund Growth ₹342.091
↑ 0.05 ₹357 0.5 1.5 3.3 7 7.3 5.9% 1M 20D 1M 24D Tata Liquid Fund Growth ₹4,138.87
↑ 0.63 ₹23,368 0.5 1.5 3.4 7 7.3 6% 2M 2M Edelweiss Liquid Fund Growth ₹3,360.42
↑ 0.52 ₹7,826 0.5 1.6 3.3 7 7.3 5.85% 1M 21D 1M 21D UTI Liquid Cash Plan Growth ₹4,310.95
↑ 0.66 ₹23,273 0.5 1.5 3.3 7 7.3 5.92% 1M 27D 1M 27D Aditya Birla Sun Life Liquid Fund Growth ₹423.421
↑ 0.06 ₹54,838 0.5 1.5 3.3 7 7.3 6.39% 1M 17D 1M 17D Kotak Liquid Fund Growth ₹5,311.42
↑ 0.81 ₹34,687 0.5 1.5 3.3 7 7.3 6.02% 1M 28D 1M 28D Mahindra Liquid Fund Growth ₹1,709.94
↑ 0.26 ₹1,018 0.5 1.5 3.3 7 7.4 6.02% 1M 24D 1M 28D Mirae Asset Cash Management Fund Growth ₹2,755.52
↑ 0.42 ₹11,238 0.5 1.5 3.3 7 7.3 5.93% 1M 28D 2M 1D ICICI Prudential Liquid Fund Growth ₹389.006
↑ 0.06 ₹49,517 0.5 1.5 3.3 7 7.4 5.95% 1M 25D 1M 30D Nippon India Liquid Fund Growth ₹6,413.18
↑ 0.97 ₹34,490 0.5 1.5 3.3 7 7.3 6.01% 1M 27D 2M 1D HDFC Liquid Fund Growth ₹5,155.76
↑ 0.78 ₹63,548 0.5 1.5 3.3 7 7.3 5.98% 1M 21D 1M 25D LIC MF Liquid Fund Growth ₹4,750.08
↑ 0.72 ₹10,377 0.5 1.5 3.3 6.9 7.4 6.03% 1M 19D 1M 19D Baroda Pioneer Liquid Fund Growth ₹3,020.96
↑ 0.45 ₹12,097 0.5 1.5 3.3 6.9 7.3 5.95% 1M 24D 1M 25D Bandhan Cash Fund Growth ₹3,173.8
↑ 0.48 ₹12,298 0.5 1.5 3.3 6.9 7.3 5.9% 1M 25D 1M 26D SBI Liquid Fund Growth ₹4,107.24
↑ 0.62 ₹62,208 0.4 1.5 3.3 6.9 7.3 5.87% 1M 17D 1M 17D JM Liquid Fund Growth ₹71.6944
↑ 0.01 ₹1,909 0.5 1.6 3.3 6.9 7.2 5.87% 1M 16D 1M 19D IIFL Liquid Fund Growth ₹2,022.81
↑ 0.60 ₹883 0.4 1.5 3.2 6.8 7.2 5.76% 1M 17D Essel Liquid Fund Growth ₹28.5624
↑ 0.00 ₹112 0.4 1.5 3.1 6.6 6.9 5.64% 1M 2D 1M 6D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 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 10 Aug 25 Research Highlights & Commentary of 26 Funds showcased
Commentary BOI AXA Liquid Fund Indiabulls Liquid Fund Axis Liquid Fund DSP Liquidity Fund Canara Robeco Liquid Invesco India Liquid Fund PGIM India Insta Cash Fund Tata Liquid Fund Edelweiss Liquid Fund UTI Liquid Cash Plan Aditya Birla Sun Life Liquid Fund Kotak Liquid Fund Mahindra Liquid Fund Mirae Asset Cash Management Fund ICICI Prudential Liquid Fund Nippon India Liquid Fund HDFC Liquid Fund LIC MF Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund SBI Liquid Fund JM Liquid Fund IIFL Liquid Fund Essel Liquid Fund IDBI Liquid Fund Sundaram Money Fund Point 1 Lower mid AUM (₹2,088 Cr). Bottom quartile AUM (₹328 Cr). Upper mid AUM (₹33,529 Cr). Upper mid AUM (₹16,926 Cr). Lower mid AUM (₹5,383 Cr). Upper mid AUM (₹12,320 Cr). Bottom quartile AUM (₹357 Cr). Upper mid AUM (₹23,368 Cr). Lower mid AUM (₹7,826 Cr). Upper mid AUM (₹23,273 Cr). Top quartile AUM (₹54,838 Cr). Top quartile AUM (₹34,687 Cr). Bottom quartile AUM (₹1,018 Cr). Lower mid AUM (₹11,238 Cr). Top quartile AUM (₹49,517 Cr). Top quartile AUM (₹34,490 Cr). Highest AUM (₹63,548 Cr). Lower mid AUM (₹10,377 Cr). Upper mid AUM (₹12,097 Cr). Upper mid AUM (₹12,298 Cr). Top quartile AUM (₹62,208 Cr). Bottom quartile AUM (₹1,909 Cr). Bottom quartile AUM (₹883 Cr). Bottom quartile AUM (₹112 Cr). Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (17+ yrs). Established history (13+ yrs). Established history (15+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (9+ yrs). Established history (16+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (23+ yrs). Established history (16+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (27 yrs). Established history (11+ yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (19+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 3★ (bottom quartile). Not Rated. Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Top rated. Not Rated. Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). 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. Risk profile: Low. Point 5 1Y return: 7.07% (top quartile). 1Y return: 7.06% (top quartile). 1Y return: 7.05% (top quartile). 1Y return: 7.03% (top quartile). 1Y return: 7.03% (top quartile). 1Y return: 7.03% (top quartile). 1Y return: 7.02% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.00% (upper mid). 1Y return: 7.00% (upper mid). 1Y return: 6.99% (upper mid). 1Y return: 6.99% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.94% (lower mid). 1Y return: 6.92% (lower mid). 1Y return: 6.92% (bottom quartile). 1Y return: 6.91% (bottom quartile). 1Y return: 6.91% (bottom quartile). 1Y return: 6.83% (bottom quartile). 1Y return: 6.64% (bottom quartile). 1Y return: 6.55% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (top quartile). 1M return: 0.45% (lower mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.53% (top quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 4.68 (top quartile). Sharpe: 3.32 (lower mid). Sharpe: 3.87 (upper mid). Sharpe: 4.37 (top quartile). Sharpe: 3.61 (upper mid). Sharpe: 3.96 (top quartile). Sharpe: 3.56 (upper mid). Sharpe: 3.53 (upper mid). Sharpe: 3.87 (top quartile). Sharpe: 3.46 (lower mid). Sharpe: 3.56 (upper mid). Sharpe: 3.16 (lower mid). Sharpe: 4.34 (top quartile). Sharpe: 3.96 (top quartile). Sharpe: 3.50 (upper mid). Sharpe: 3.37 (lower mid). Sharpe: 3.16 (bottom quartile). Sharpe: 3.54 (upper mid). Sharpe: 3.29 (lower mid). Sharpe: 3.35 (lower mid). Sharpe: 2.95 (bottom quartile). Sharpe: 3.11 (bottom quartile). Sharpe: 2.50 (bottom quartile). Sharpe: 0.91 (bottom quartile). Sharpe: 0.20 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: 0.31 (top quartile). Information ratio: -1.49 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.21 (lower mid). Information ratio: 0.00 (top quartile). Information ratio: -0.92 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -1.00 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.18 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.32 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: -2.34 (bottom quartile). Information ratio: -3.09 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 5.87% (bottom quartile). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 6.19% (top quartile). Yield to maturity (debt): 5.90% (lower mid). Yield to maturity (debt): 6.00% (upper mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 5.92% (lower mid). Yield to maturity (debt): 6.39% (top quartile). Yield to maturity (debt): 6.02% (top quartile). Yield to maturity (debt): 6.02% (top quartile). Yield to maturity (debt): 5.93% (lower mid). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 6.01% (upper mid). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 6.03% (top quartile). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 5.90% (lower mid). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.76% (bottom quartile). Yield to maturity (debt): 5.64% (bottom quartile). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). BOI AXA Liquid Fund
Indiabulls Liquid Fund
Axis Liquid Fund
DSP Liquidity Fund
Canara Robeco Liquid
Invesco India Liquid Fund
PGIM India Insta Cash Fund
Tata Liquid Fund
Edelweiss Liquid Fund
UTI Liquid Cash Plan
Aditya Birla Sun Life Liquid Fund
Kotak Liquid Fund
Mahindra Liquid Fund
Mirae Asset Cash Management Fund
ICICI Prudential Liquid Fund
Nippon India Liquid Fund
HDFC Liquid Fund
LIC MF Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
SBI Liquid Fund
JM Liquid Fund
IIFL Liquid Fund
Essel Liquid Fund
IDBI Liquid Fund
Sundaram Money Fund
2. लिक्विड म्यूचुअल फंड का पोर्टफोलियो और मैच्योरिटी प्रोफाइल
लिक्विड म्यूचुअल फंड के पोर्टफोलियो में ऐसी प्रतिभूतियां होती हैं जिनकी परिपक्वता अवधि 91 दिनों से कम होती है। हालांकि कोई जा सकता है और क्रेडिट गुणवत्ता के बारे में बात कर सकता है (सरल शब्दों में, पोर्टफोलियो में प्रतिभूतियां कितनी अच्छी हैं) और पोर्टफोलियो को अलग करने का प्रयास करें, हालांकि, वास्तविक अनुभव यह है कि, जब तक कि पोर्टफोलियो के साथ कुछ बहुत खराब गुणवत्ता वाले वास्तविक मुद्दे न हों प्रतिभूतियां, लिक्विड फंड एक मुद्दा नहीं होना चाहिए। आज तक, कोई पता नहीं चला हैचूक लिक्विड फंड पोर्टफोलियो में और कंपनियां आमतौर पर शॉर्ट मैच्योरिटी पेपर पर डिफॉल्ट नहीं करती हैं। हालाँकि, उपरोक्त कहने के बाद, फंड का पोर्टफोलियो फंड की उपज और उसके बाद के प्रदर्शन पर विचार देगा। यह अक्सर कहा जाता है कि "पिछला प्रदर्शन भविष्य के प्रदर्शन का संकेतक नहीं है" और लिक्विड म्यूचुअल फंड के लिए, अगर किसी को कुछ अनुमान लगाने की कोशिश करनी है, तो उन्हें केवल पोर्टफोलियो को देखना है। प्रतिभूतियों के प्रकार (वाणिज्यिक कागजात (सीपी), जमा प्रमाणपत्र (सीडी) आदि), क्रेडिट गुणवत्ता और प्रतिफल से यह पता चलता है कि फंड का रिटर्न प्रोफाइल क्या हो सकता है। पोर्टफोलियो की गुणवत्ता लिक्विड फंड के प्रदर्शन का एक अच्छा संकेतक है। सभी लिक्विड म्यूचुअल फंड की मैच्योरिटी आमतौर पर कुछ दिनों की होती है और 91 दिनों से काफी कम होती है। ज्यादातर मामलों में यह समान है।
3. चलनिधि और निधि का आकार
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity BOI AXA Liquid Fund Growth ₹3,026.37
↑ 0.46 ₹2,088 0.5 1.6 3.4 7.1 7.4 5.85% 1M 28D 1M 24D Indiabulls Liquid Fund Growth ₹2,541.33
↑ 0.78 ₹328 0.5 1.6 3.4 7.1 7.4 5.87% 1M 28D 1M 29D Axis Liquid Fund Growth ₹2,926.02
↑ 0.45 ₹33,529 0.5 1.5 3.4 7.1 7.4 5.96% 1M 27D 2M 1D DSP Liquidity Fund Growth ₹3,751.7
↑ 0.57 ₹16,926 0.5 1.5 3.3 7 7.4 5.95% 1M 28D 2M 1D Canara Robeco Liquid Growth ₹3,162.94
↑ 0.48 ₹5,383 0.5 1.5 3.4 7 7.4 5.85% 1M 24D 1M 27D Invesco India Liquid Fund Growth ₹3,611.92
↑ 0.54 ₹12,320 0.5 1.5 3.3 7 7.4 6.19% 1M 22D 1M 22D PGIM India Insta Cash Fund Growth ₹342.091
↑ 0.05 ₹357 0.5 1.5 3.3 7 7.3 5.9% 1M 20D 1M 24D Tata Liquid Fund Growth ₹4,138.87
↑ 0.63 ₹23,368 0.5 1.5 3.4 7 7.3 6% 2M 2M Edelweiss Liquid Fund Growth ₹3,360.42
↑ 0.52 ₹7,826 0.5 1.6 3.3 7 7.3 5.85% 1M 21D 1M 21D UTI Liquid Cash Plan Growth ₹4,310.95
↑ 0.66 ₹23,273 0.5 1.5 3.3 7 7.3 5.92% 1M 27D 1M 27D Aditya Birla Sun Life Liquid Fund Growth ₹423.421
↑ 0.06 ₹54,838 0.5 1.5 3.3 7 7.3 6.39% 1M 17D 1M 17D Kotak Liquid Fund Growth ₹5,311.42
↑ 0.81 ₹34,687 0.5 1.5 3.3 7 7.3 6.02% 1M 28D 1M 28D Mahindra Liquid Fund Growth ₹1,709.94
↑ 0.26 ₹1,018 0.5 1.5 3.3 7 7.4 6.02% 1M 24D 1M 28D Mirae Asset Cash Management Fund Growth ₹2,755.52
↑ 0.42 ₹11,238 0.5 1.5 3.3 7 7.3 5.93% 1M 28D 2M 1D ICICI Prudential Liquid Fund Growth ₹389.006
↑ 0.06 ₹49,517 0.5 1.5 3.3 7 7.4 5.95% 1M 25D 1M 30D Nippon India Liquid Fund Growth ₹6,413.18
↑ 0.97 ₹34,490 0.5 1.5 3.3 7 7.3 6.01% 1M 27D 2M 1D HDFC Liquid Fund Growth ₹5,155.76
↑ 0.78 ₹63,548 0.5 1.5 3.3 7 7.3 5.98% 1M 21D 1M 25D LIC MF Liquid Fund Growth ₹4,750.08
↑ 0.72 ₹10,377 0.5 1.5 3.3 6.9 7.4 6.03% 1M 19D 1M 19D Baroda Pioneer Liquid Fund Growth ₹3,020.96
↑ 0.45 ₹12,097 0.5 1.5 3.3 6.9 7.3 5.95% 1M 24D 1M 25D Bandhan Cash Fund Growth ₹3,173.8
↑ 0.48 ₹12,298 0.5 1.5 3.3 6.9 7.3 5.9% 1M 25D 1M 26D SBI Liquid Fund Growth ₹4,107.24
↑ 0.62 ₹62,208 0.4 1.5 3.3 6.9 7.3 5.87% 1M 17D 1M 17D JM Liquid Fund Growth ₹71.6944
↑ 0.01 ₹1,909 0.5 1.6 3.3 6.9 7.2 5.87% 1M 16D 1M 19D IIFL Liquid Fund Growth ₹2,022.81
↑ 0.60 ₹883 0.4 1.5 3.2 6.8 7.2 5.76% 1M 17D Essel Liquid Fund Growth ₹28.5624
↑ 0.00 ₹112 0.4 1.5 3.1 6.6 6.9 5.64% 1M 2D 1M 6D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 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 10 Aug 25 Research Highlights & Commentary of 26 Funds showcased
Commentary BOI AXA Liquid Fund Indiabulls Liquid Fund Axis Liquid Fund DSP Liquidity Fund Canara Robeco Liquid Invesco India Liquid Fund PGIM India Insta Cash Fund Tata Liquid Fund Edelweiss Liquid Fund UTI Liquid Cash Plan Aditya Birla Sun Life Liquid Fund Kotak Liquid Fund Mahindra Liquid Fund Mirae Asset Cash Management Fund ICICI Prudential Liquid Fund Nippon India Liquid Fund HDFC Liquid Fund LIC MF Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund SBI Liquid Fund JM Liquid Fund IIFL Liquid Fund Essel Liquid Fund IDBI Liquid Fund Sundaram Money Fund Point 1 Lower mid AUM (₹2,088 Cr). Bottom quartile AUM (₹328 Cr). Upper mid AUM (₹33,529 Cr). Upper mid AUM (₹16,926 Cr). Lower mid AUM (₹5,383 Cr). Upper mid AUM (₹12,320 Cr). Bottom quartile AUM (₹357 Cr). Upper mid AUM (₹23,368 Cr). Lower mid AUM (₹7,826 Cr). Upper mid AUM (₹23,273 Cr). Top quartile AUM (₹54,838 Cr). Top quartile AUM (₹34,687 Cr). Bottom quartile AUM (₹1,018 Cr). Lower mid AUM (₹11,238 Cr). Top quartile AUM (₹49,517 Cr). Top quartile AUM (₹34,490 Cr). Highest AUM (₹63,548 Cr). Lower mid AUM (₹10,377 Cr). Upper mid AUM (₹12,097 Cr). Upper mid AUM (₹12,298 Cr). Top quartile AUM (₹62,208 Cr). Bottom quartile AUM (₹1,909 Cr). Bottom quartile AUM (₹883 Cr). Bottom quartile AUM (₹112 Cr). Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (17+ yrs). Established history (13+ yrs). Established history (15+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (21+ yrs). Established history (9+ yrs). Established history (16+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (23+ yrs). Established history (16+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (27 yrs). Established history (11+ yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (19+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 3★ (bottom quartile). Not Rated. Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Top rated. Not Rated. Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). 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. Risk profile: Low. Point 5 1Y return: 7.07% (top quartile). 1Y return: 7.06% (top quartile). 1Y return: 7.05% (top quartile). 1Y return: 7.03% (top quartile). 1Y return: 7.03% (top quartile). 1Y return: 7.03% (top quartile). 1Y return: 7.02% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.01% (upper mid). 1Y return: 7.00% (upper mid). 1Y return: 7.00% (upper mid). 1Y return: 6.99% (upper mid). 1Y return: 6.99% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.98% (lower mid). 1Y return: 6.94% (lower mid). 1Y return: 6.92% (lower mid). 1Y return: 6.92% (bottom quartile). 1Y return: 6.91% (bottom quartile). 1Y return: 6.91% (bottom quartile). 1Y return: 6.83% (bottom quartile). 1Y return: 6.64% (bottom quartile). 1Y return: 6.55% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (top quartile). 1M return: 0.45% (lower mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (lower mid). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.53% (top quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 4.68 (top quartile). Sharpe: 3.32 (lower mid). Sharpe: 3.87 (upper mid). Sharpe: 4.37 (top quartile). Sharpe: 3.61 (upper mid). Sharpe: 3.96 (top quartile). Sharpe: 3.56 (upper mid). Sharpe: 3.53 (upper mid). Sharpe: 3.87 (top quartile). Sharpe: 3.46 (lower mid). Sharpe: 3.56 (upper mid). Sharpe: 3.16 (lower mid). Sharpe: 4.34 (top quartile). Sharpe: 3.96 (top quartile). Sharpe: 3.50 (upper mid). Sharpe: 3.37 (lower mid). Sharpe: 3.16 (bottom quartile). Sharpe: 3.54 (upper mid). Sharpe: 3.29 (lower mid). Sharpe: 3.35 (lower mid). Sharpe: 2.95 (bottom quartile). Sharpe: 3.11 (bottom quartile). Sharpe: 2.50 (bottom quartile). Sharpe: 0.91 (bottom quartile). Sharpe: 0.20 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: 0.31 (top quartile). Information ratio: -1.49 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.21 (lower mid). Information ratio: 0.00 (top quartile). Information ratio: -0.92 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -1.00 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.18 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.32 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: -2.34 (bottom quartile). Information ratio: -3.09 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 5.87% (bottom quartile). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 6.19% (top quartile). Yield to maturity (debt): 5.90% (lower mid). Yield to maturity (debt): 6.00% (upper mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 5.92% (lower mid). Yield to maturity (debt): 6.39% (top quartile). Yield to maturity (debt): 6.02% (top quartile). Yield to maturity (debt): 6.02% (top quartile). Yield to maturity (debt): 5.93% (lower mid). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 6.01% (upper mid). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 6.03% (top quartile). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 5.90% (lower mid). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.76% (bottom quartile). Yield to maturity (debt): 5.64% (bottom quartile). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). BOI AXA Liquid Fund
Indiabulls Liquid Fund
Axis Liquid Fund
DSP Liquidity Fund
Canara Robeco Liquid
Invesco India Liquid Fund
PGIM India Insta Cash Fund
Tata Liquid Fund
Edelweiss Liquid Fund
UTI Liquid Cash Plan
Aditya Birla Sun Life Liquid Fund
Kotak Liquid Fund
Mahindra Liquid Fund
Mirae Asset Cash Management Fund
ICICI Prudential Liquid Fund
Nippon India Liquid Fund
HDFC Liquid Fund
LIC MF Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
SBI Liquid Fund
JM Liquid Fund
IIFL Liquid Fund
Essel Liquid Fund
IDBI Liquid Fund
Sundaram Money Fund
व्यक्तियों और कॉरपोरेट्स के बीच एसेट ब्रेक-अप यह देखने के लिए कुछ महत्वपूर्ण है कि क्या लिक्विड म्यूचुअल फंड कर सकते हैंहैंडल बड़े मोचन। बड़े रिडेम्पशन (कभी-कभी 100 या 1000 करोड़ भी कॉरपोरेट द्वारा किए जा सकते हैं) पोर्टफोलियो पर दबाव डाल सकते हैं। नकदी संकट के समय इतनी बड़ी मात्रा में खरीदार मिलना मुश्किल होगा।
वास्तव में, यह सुनिश्चित करने के लिए कि पोर्टफोलियो कीमत पर प्रभाव नहीं डालता है, लिक्विड फंड मार्क से मार्केट में प्रोद्भवन-आधारित हो गए हैं।लेखांकन 2008 में लेहमैन संकट के बाद।
साथ ही, फंड का आकार यहां निवेशकों की सुरक्षा करता हैमोचन तब से दबावसेबी एक नियम है कि किसी योजना में उच्चतम व्यक्तिगत होल्डिंग 20% से अधिक नहीं हो सकती है। इसलिए, अधिकांश योजनाओं को एक हद तक संरक्षित किया जाएगा।
शीर्ष 5 लिक्विड फंड
2022 के लिए सर्वश्रेष्ठ प्रदर्शन करने वाले लिक्विड फंड हैं-
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity BOI AXA Liquid Fund Growth ₹3,026.37
↑ 0.46 ₹2,088 0.5 1.6 3.4 7.1 7.4 5.85% 1M 28D 1M 24D Indiabulls Liquid Fund Growth ₹2,541.33
↑ 0.78 ₹328 0.5 1.6 3.4 7.1 7.4 5.87% 1M 28D 1M 29D Axis Liquid Fund Growth ₹2,926.02
↑ 0.45 ₹33,529 0.5 1.5 3.4 7.1 7.4 5.96% 1M 27D 2M 1D DSP Liquidity Fund Growth ₹3,751.7
↑ 0.57 ₹16,926 0.5 1.5 3.3 7 7.4 5.95% 1M 28D 2M 1D Canara Robeco Liquid Growth ₹3,162.94
↑ 0.48 ₹5,383 0.5 1.5 3.4 7 7.4 5.85% 1M 24D 1M 27D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary BOI AXA Liquid Fund Indiabulls Liquid Fund Axis Liquid Fund DSP Liquidity Fund Canara Robeco Liquid Point 1 Bottom quartile AUM (₹2,088 Cr). Bottom quartile AUM (₹328 Cr). Highest AUM (₹33,529 Cr). Upper mid AUM (₹16,926 Cr). Lower mid AUM (₹5,383 Cr). Point 2 Established history (17+ yrs). Established history (13+ yrs). Established history (15+ yrs). Oldest track record among peers (19 yrs). Established history (17+ yrs). Point 3 Rating: 3★ (lower mid). Top rated. 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: Low. Point 5 1Y return: 7.07% (top quartile). 1Y return: 7.06% (upper mid). 1Y return: 7.05% (lower mid). 1Y return: 7.03% (bottom quartile). 1Y return: 7.03% (bottom quartile). Point 6 1M return: 0.46% (top quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (upper mid). 1M return: 0.45% (bottom quartile). Point 7 Sharpe: 4.68 (top quartile). Sharpe: 3.32 (bottom quartile). Sharpe: 3.87 (lower mid). Sharpe: 4.37 (upper mid). Sharpe: 3.61 (bottom quartile). Point 8 Information ratio: 0.31 (top quartile). Information ratio: -1.49 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: -0.21 (bottom quartile). Point 9 Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.96% (top quartile). Yield to maturity (debt): 5.95% (upper mid). Yield to maturity (debt): 5.85% (bottom quartile). Point 10 Modified duration: 0.16 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (top quartile). BOI AXA Liquid Fund
Indiabulls Liquid Fund
Axis Liquid Fund
DSP Liquidity Fund
Canara Robeco Liquid
4. लिक्विड म्यूचुअल फंड की प्रदर्शन रेटिंग
प्रदर्शन रेटिंग जब तक वर्तमान पोर्टफोलियो और भविष्य के दृष्टिकोण को ध्यान में रखते हुए कल के विजेताओं को हारने वालों से अलग करने में सक्षम नहीं होंगे। इसलिए, जबकि पिछड़ी दिखने वाली रेटिंग पिछले प्रदर्शन के बारे में एक विचार दे सकती है, कोई भी फंड का चयन रद्द करने के लिए एक उपाय के रूप में इनका उपयोग कर सकता है।
निष्कर्ष
लिक्विड म्यूचुअल फंड की तलाश करते समय कई कारकों को देखने की जरूरत है और फिर संबंधित फंड का चयन करें।
अस्वीकरण: कृपया कोई भी निवेश निर्णय लेने से पहले अपने सलाहकार से परामर्श लें और स्वतंत्र शोध करें।
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।
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