कम जोखिम वाले निवेशकों के लिए शीर्ष 4 म्युचुअल फंड

Updated on February 12, 2026 , 3623 views

अगर आप आ रहे हैंनिवृत्ति या एक नौसिखिया हैंम्यूचुअल फंड्स या यदि आप एक ऐसे निवेश की तलाश कर रहे हैं जिससे आपको अधिक नुकसान न हो और साथ ही साथ आपके फंड की सुरक्षा भी हो, तो हमारे पास कुछ विकल्प हैं जिन पर आपको गौर करने की आवश्यकता है। आदर्श रूप से, कम जोखिम वाले निवेशक वे हैं जो अपना पैसा निवेश करना चाहते हैं, लेकिन अपने निवेश को जोखिम में नहीं डालना चाहते हैं। दूसरे शब्दों में, वे म्यूच्यूअल फण्ड में सुरक्षित निवेश करना चाहते हैं।

डेट फंड, एक प्रकार का म्युचुअल फंड, रूढ़िवादी निवेशकों के लिए कुछ सर्वोत्तम कम जोखिम वाले निवेश हैं। चूंकि डेट फंड सरकार में निवेश करते हैंबांड, पैसेमंडी प्रतिभूतियों, आदि की तुलना में उनमें कम जोखिम होता हैइक्विटीज. इसके अलावा, चूंकि इन फंडों में कम जोखिम होता है, इसलिए इन फंडों की परिपक्वता अवधि कम होती है, जो कुछ दिनों से लेकर एक वर्ष तक होती है। लेकिन, ये फंड इस शॉर्ट टर्म रिटर्न के लिए जाने जाते हैं। जोखिम से बचने वाले निवेशक इन फंडों में छोटी अवधि के लिए निवेश कर सकते हैं और इष्टतम रिटर्न अर्जित कर सकते हैं।

कम जोखिम वाले निवेशकों के लिए सर्वश्रेष्ठ कम जोखिम वाले म्युचुअल फंड

ओवरनाइट फंड्स

ये एक डेट स्कीम है जो एक दिन में मैच्योर होने वाले बॉन्ड में निवेश करेगी। दूसरे शब्दों में, एक दिन की परिपक्वता के साथ रातोंरात प्रतिभूतियों में निवेश किया जाता है। यह उन निवेशकों के लिए एक सुरक्षित विकल्प है जो जोखिम और रिटर्न की चिंता किए बिना पैसा लगाना चाहते हैं। कुछ रातोंरात योजना, के माध्यम से क्रेडिट जोखिम मुक्त रिटर्न उत्पन्न करने के लिएआय या विकास, केंद्र सरकार की प्रतिभूतियों, ट्रेजरी बिलों में निवेश करता है,बुलाना पैसा और रेपो। यह उन निवेशकों के लिए एक बढ़िया विकल्प है जो अपनी अधिशेष राशि को एक रात के लिए निवेश करना चाहते हैं। हालांकि, जो कोई अपने फंड को रातों-रात भुनाना नहीं चाहता, वह इसे इस योजना में रहने दे सकता है।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Overnight Fund Growth	₹3,622.75 ↑ 0.46	₹3,760	1.3	2.7	5.6	6.3	5.8	5.32%	1D	1D
SBI Overnight Fund Growth	₹4,293.82 ↑ 0.55	₹23,324	1.3	2.6	5.5	6.3	5.7	5.43%	1D	1D
HDFC Overnight Fund Growth	₹3,927.13 ↑ 0.50	₹10,963	1.3	2.6	5.5	6.2	5.7	5.43%	2D	2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Feb 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹3,760 Cr).	Highest AUM (₹23,324 Cr).	Lower mid AUM (₹10,963 Cr).
Point 2	Established history (22+ yrs).	Established history (23+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 5.59% (upper mid).	1Y return: 5.54% (lower mid).	1Y return: 5.50% (bottom quartile).
Point 6	1M return: 0.42% (upper mid).	1M return: 0.41% (lower mid).	1M return: 0.41% (bottom quartile).
Point 7	Sharpe: -18.26 (upper mid).	Sharpe: -20.65 (lower mid).	Sharpe: -23.79 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.32% (bottom quartile).	Yield to maturity (debt): 5.43% (upper mid).	Yield to maturity (debt): 5.43% (lower mid).
Point 10	Modified duration: 0.00 yrs (upper mid).	Modified duration: 0.00 yrs (lower mid).	Modified duration: 0.01 yrs (bottom quartile).

UTI Overnight Fund

Bottom quartile AUM (₹3,760 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.59% (upper mid).
1M return: 0.42% (upper mid).
Sharpe: -18.26 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.32% (bottom quartile).
Modified duration: 0.00 yrs (upper mid).

SBI Overnight Fund

Highest AUM (₹23,324 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.54% (lower mid).
1M return: 0.41% (lower mid).
Sharpe: -20.65 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.43% (upper mid).
Modified duration: 0.00 yrs (lower mid).

HDFC Overnight Fund

Lower mid AUM (₹10,963 Cr).
Oldest track record among peers (24 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.50% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: -23.79 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.43% (lower mid).
Modified duration: 0.01 yrs (bottom quartile).

लिक्विड फंड

लिक्विड फंड कम परिपक्वता अवधि वाली प्रतिभूतियों में निवेश करें, आमतौर पर 91 दिनों से कम। ये फंड मुख्य रूप से ट्रेजरी बिल, कमर्शियल पेपर, टर्म डिपॉजिट आदि में निवेश करते हैं। लिक्विड फंड आसान प्रदान करते हैंलिक्विडिटी और अन्य प्रकार के ऋण साधनों की तुलना में कम से कम अस्थिर हैं। साथ ही, पारंपरिक की तुलना में तरल पदार्थ एक बेहतर विकल्प हैंबैंक बचत खाता. बैंक खाते की तुलना में, लिक्विड फंड वार्षिक ब्याज का 7-8% प्रदान करते हैं। आम तौर पर किसी के भी बचत खाते में निष्क्रिय नकदी होने के बारे में जरूर सोचा होगानिवेश इसे कहीं अधिक पैसा बनाने के लिए। जो निवेशक जोखिम मुक्त निवेश चाहते हैं, वे आदर्श रूप से इन फंडों में निवेश करना पसंद कर सकते हैं।

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
IDBI Liquid Fund Growth	₹2,454.04 ↑ 0.35	₹503	0.5	1.7	3.4	6.6		6.66%	1M 7D	1M 10D
BOI AXA Liquid Fund Growth	₹3,119.22 ↑ 0.51	₹1,107	0.5	1.5	3	6.4	6.6	5.94%	2M 1D	1M 20D
Edelweiss Liquid Fund Growth	₹3,461.51 ↑ 0.69	₹10,414	0.5	1.5	3	6.4	6.5	6.03%	2M 1D	2M 1D
Axis Liquid Fund Growth	₹3,014.04 ↑ 0.70	₹35,653	0.5	1.5	3	6.4	6.6	6.06%	1M 28D	2M 2D
DSP Liquidity Fund Growth	₹3,864.35 ↑ 0.87	₹17,777	0.5	1.5	3	6.4	6.5	5.98%	1M 2D	1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	IDBI Liquid Fund	BOI AXA Liquid Fund	Edelweiss Liquid Fund	Axis Liquid Fund	DSP Liquidity Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Bottom quartile AUM (₹1,107 Cr).	Lower mid AUM (₹10,414 Cr).	Highest AUM (₹35,653 Cr).	Upper mid AUM (₹17,777 Cr).
Point 2	Established history (15+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Oldest track record among peers (20 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (top quartile).	1Y return: 6.42% (upper mid).	1Y return: 6.38% (bottom quartile).	1Y return: 6.40% (lower mid).	1Y return: 6.37% (bottom quartile).
Point 6	1M return: 0.53% (bottom quartile).	1M return: 0.55% (top quartile).	1M return: 0.53% (bottom quartile).	1M return: 0.54% (upper mid).	1M return: 0.54% (lower mid).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 4.02 (top quartile).	Sharpe: 3.82 (upper mid).	Sharpe: 3.47 (bottom quartile).	Sharpe: 3.55 (lower mid).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 1.26 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.66% (top quartile).	Yield to maturity (debt): 5.94% (bottom quartile).	Yield to maturity (debt): 6.03% (lower mid).	Yield to maturity (debt): 6.06% (upper mid).	Yield to maturity (debt): 5.98% (bottom quartile).
Point 10	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.09 yrs (top quartile).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (top quartile).
Modified duration: 0.10 yrs (upper mid).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,107 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.42% (upper mid).
1M return: 0.55% (top quartile).
Sharpe: 4.02 (top quartile).
Information ratio: 1.26 (top quartile).
Yield to maturity (debt): 5.94% (bottom quartile).
Modified duration: 0.17 yrs (bottom quartile).

Edelweiss Liquid Fund

Lower mid AUM (₹10,414 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.38% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 3.82 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.03% (lower mid).
Modified duration: 0.17 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹35,653 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.40% (lower mid).
1M return: 0.54% (upper mid).
Sharpe: 3.47 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.06% (upper mid).
Modified duration: 0.16 yrs (lower mid).

DSP Liquidity Fund

Upper mid AUM (₹17,777 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.37% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 3.55 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.98% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

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अल्ट्रा शॉर्ट टर्म फंड

अल्ट्रा शॉर्ट ड्यूरेशन फंड निवेश करते हैंनिश्चित आय तीन से छह महीने के बीच मैकाले की अवधि वाले उपकरण। अल्ट्रा शॉर्ट-टर्म फंड निवेशकों को ब्याज दर के जोखिम से बचने में मदद करते हैं और लिक्विड डेट फंड की तुलना में बेहतर रिटर्न भी देते हैं। ये फंड अल्पकालिक निवेश हैं जो उन निवेशकों के लिए अत्यधिक उपयुक्त हैं जो अच्छे रिटर्न अर्जित करने के लिए निवेश के जोखिम को मामूली रूप से बढ़ाने के इच्छुक हैं। आमतौर पर, डेट इंस्ट्रूमेंट पर यील्ड लंबी मैच्योरिटी वाले इंस्ट्रूमेंट्स के लिए ज्यादा होती है। इस प्रकार, अल्ट्रा शॉर्ट म्यूचुअल फंड में प्रतिभूतियां आमतौर पर लिक्विड फंड (यद्यपि अपेक्षाकृत अधिक जोखिम पर) की तुलना में अधिक प्रतिफल अर्जित करती हैं। नतीजतन, अल्ट्राशॉर्ट टर्म फंड्स तुलनीय समयावधि में लिक्विड फंड की तुलना में थोड़ा बेहतर रिटर्न दे सकता है।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth	₹34.9131 ↑ 0.04	₹297	1.3	5.9	13.7	8.8		0%		1Y 15D
IDBI Ultra Short Term Fund Growth	₹2,424.68 ↑ 0.44	₹146	1.6	3.4	6.4	4.8		6.83%	2M 10D	2M 23D
Aditya Birla Sun Life Savings Fund Growth	₹569.942 ↑ 0.31	₹23,615	1.4	3	7.2	7.4	7.4	6.81%	5M 19D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.7592 ↑ 0.01	₹16,907	1.4	3	6.9	7.1	7.1	6.82%	5M 19D	7M 10D
SBI Magnum Ultra Short Duration Fund Growth	₹6,199.69 ↑ 2.38	₹14,639	1.4	2.9	6.8	7.1	7	6.49%	5M 5D	5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Ultra Short Bond Fund - Super Institutional Plan	IDBI Ultra Short Term Fund	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund
Point 1	Bottom quartile AUM (₹297 Cr).	Bottom quartile AUM (₹146 Cr).	Highest AUM (₹23,615 Cr).	Upper mid AUM (₹16,907 Cr).	Lower mid AUM (₹14,639 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 6.39% (bottom quartile).	1Y return: 7.17% (upper mid).	1Y return: 6.93% (lower mid).	1Y return: 6.80% (bottom quartile).
Point 6	1M return: 0.59% (top quartile).	1M return: 0.52% (bottom quartile).	1M return: 0.57% (upper mid).	1M return: 0.55% (lower mid).	1M return: 0.53% (bottom quartile).
Point 7	Sharpe: 2.57 (bottom quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 3.14 (top quartile).	Sharpe: 2.94 (upper mid).	Sharpe: 2.90 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper 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): 0.00% (bottom quartile).	Yield to maturity (debt): 6.83% (top quartile).	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.82% (upper mid).	Yield to maturity (debt): 6.49% (bottom quartile).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.43 yrs (lower mid).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (top quartile).
Sharpe: 2.57 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹23,615 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.17% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,907 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.93% (lower mid).
1M return: 0.55% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.82% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹14,639 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.80% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.90 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.43 yrs (lower mid).

मुद्रा बाजार फंड

मनी मार्केट फंड कई बाजारों में निवेश करता है जैसे कि वाणिज्यिक / ट्रेजरी बिल, वाणिज्यिक पत्र,जमा प्रमाणपत्र और भारतीय रिजर्व बैंक (RBI) द्वारा निर्दिष्ट अन्य उपकरण। ये निवेश जोखिम से बचने वाले निवेशकों के लिए एक अच्छा विकल्प है जो कम अवधि में अच्छा रिटर्न अर्जित करना चाहते हैं। यह डेट स्कीम एक साल तक की मैच्योरिटी वाले मनी मार्केट इंस्ट्रूमेंट्स में निवेश करेगी। का प्रदर्शनमुद्रा बाजार फंड भारतीय रिजर्व बैंक द्वारा निर्धारित ब्याज दरों से निकटता से जुड़ा हुआ है,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।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Money Market Fund Growth	₹394.747 ↑ 0.19	₹31,851	1.5	3	7.3	7.5	7.4	6.19%	2M 26D	3M 3D
UTI Money Market Fund Growth	₹3,207.28 ↑ 1.50	₹19,301	1.4	3	7.3	7.5	7.5	6.33%	4M 6D	4M 6D
Franklin India Savings Fund Growth	₹52.1687 ↑ 0.02	₹3,830	1.5	3	7.3	7.4	7.4	6.21%	3M 4D	3M 11D
Kotak Money Market Scheme Growth	₹4,668.91 ↑ 2.37	₹32,188	1.4	3	7.2	7.4	7.4	6.3%	4M 13D	4M 13D
Bandhan Money Manager Fund Growth	₹41.8983 ↑ 0.02	₹12,313	1.5	2.9	7.1	7	7.3	6.17%	3M 23D	3M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Money Market Fund	UTI Money Market Fund	Franklin India Savings Fund	Kotak Money Market Scheme	Bandhan Money Manager Fund
Point 1	Upper mid AUM (₹31,851 Cr).	Lower mid AUM (₹19,301 Cr).	Bottom quartile AUM (₹3,830 Cr).	Highest AUM (₹32,188 Cr).	Bottom quartile AUM (₹12,313 Cr).
Point 2	Established history (19+ yrs).	Established history (16+ yrs).	Oldest track record among peers (24 yrs).	Established history (22+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.28% (top quartile).	1Y return: 7.26% (upper mid).	1Y return: 7.26% (lower mid).	1Y return: 7.19% (bottom quartile).	1Y return: 7.15% (bottom quartile).
Point 6	1M return: 0.58% (top quartile).	1M return: 0.56% (bottom quartile).	1M return: 0.56% (lower mid).	1M return: 0.58% (upper mid).	1M return: 0.55% (bottom quartile).
Point 7	Sharpe: 2.81 (lower mid).	Sharpe: 3.02 (top quartile).	Sharpe: 2.75 (bottom quartile).	Sharpe: 2.84 (upper mid).	Sharpe: 2.78 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper 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): 6.19% (bottom quartile).	Yield to maturity (debt): 6.33% (top quartile).	Yield to maturity (debt): 6.21% (lower mid).	Yield to maturity (debt): 6.30% (upper mid).	Yield to maturity (debt): 6.17% (bottom quartile).
Point 10	Modified duration: 0.24 yrs (top quartile).	Modified duration: 0.35 yrs (bottom quartile).	Modified duration: 0.26 yrs (upper mid).	Modified duration: 0.37 yrs (bottom quartile).	Modified duration: 0.32 yrs (lower mid).

ICICI Prudential Money Market Fund

Upper mid AUM (₹31,851 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.28% (top quartile).
1M return: 0.58% (top quartile).
Sharpe: 2.81 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (bottom quartile).
Modified duration: 0.24 yrs (top quartile).

UTI Money Market Fund

Lower mid AUM (₹19,301 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.26% (upper mid).
1M return: 0.56% (bottom quartile).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.33% (top quartile).
Modified duration: 0.35 yrs (bottom quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹3,830 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.26% (lower mid).
1M return: 0.56% (lower mid).
Sharpe: 2.75 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.21% (lower mid).
Modified duration: 0.26 yrs (upper mid).

Kotak Money Market Scheme

Highest AUM (₹32,188 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.19% (bottom quartile).
1M return: 0.58% (upper mid).
Sharpe: 2.84 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.30% (upper mid).
Modified duration: 0.37 yrs (bottom quartile).

Bandhan Money Manager Fund

Bottom quartile AUM (₹12,313 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.15% (bottom quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 2.78 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.32 yrs (lower mid).

*ऊपर सर्वश्रेष्ठ की सूची हैकम जोखिम निधियों के ऊपर एयूएम/शुद्ध संपत्तियां हैं100 करोड़. पर छाँटा गयापिछले 6 महीने का रिटर्न.

1. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Research Highlights for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (top quartile).
Sharpe: 2.57 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 1.04 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth
Launch Date	18 Dec 07
NAV (07 Aug 22)	₹34.9131 ↑ 0.04 (0.11 %)
Net Assets (Cr)	₹297 on 31 Jul 22
Category	Debt - Ultrashort Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆
Risk	Moderate
Expense Ratio	0.52
Sharpe Ratio	2.57
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity	1 Year 15 Days
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,241

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	5.9%
1 Year	13.7%
3 Year	8.8%
5 Year	8.7%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Name	Since	Tenure

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Jul 22

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

Lower mid AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (top quartile).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund Growth
Launch Date	9 Jul 10
NAV (28 Jul 23)	₹2,454.04 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹503 on 30 Jun 23
Category	Debt - Liquid Fund
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.2
Information Ratio	-5.96
Alpha Ratio	-0.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,343
31 Jan 23	₹10,873

IDBI Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI 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 7 Aug 22

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.6%
3 Year	4.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (lower mid).
Average maturity: 0.23 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,391
31 Jan 23	₹10,885

IDBI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. 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

Upper mid AUM (₹23,615 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.17% (lower mid).
1M return: 0.57% (lower mid).
Sharpe: 3.14 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.53 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~48%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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 (13 Feb 26)	₹569.942 ↑ 0.31 (0.05 %)
Net Assets (Cr)	₹23,615 on 31 Dec 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.14
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,414
31 Jan 23	₹10,928
31 Jan 24	₹11,721
31 Jan 25	₹12,635
31 Jan 26	₹13,528

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 7 Aug 22

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.54 Yr.
Kaustubh Gupta	15 Jul 11	14.48 Yr.
Monika Gandhi	22 Mar 21	4.78 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	47.86%
Debt	51.91%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	53.86%
Cash Equivalent	29.6%
Government	16.31%

Credit Quality

Rating	Value
AA	25.17%
AAA	74.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹615 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹547 Cr	54,000
Nirma Limited Debentures \| -	2%	₹486 Cr	48,500
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000 ↑ 5,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	1%	₹352 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹347 Cr	34,500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

5. 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 (₹31,851 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.28% (upper mid).
1M return: 0.58% (upper mid).
Sharpe: 2.81 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (bottom quartile).
Modified duration: 0.24 yrs (bottom quartile).
Average maturity: 0.26 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~7.3%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (13 Feb 26)	₹394.747 ↑ 0.19 (0.05 %)
Net Assets (Cr)	₹31,851 on 31 Dec 25
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.81
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	3 Months 3 Days
Modified Duration	2 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,378
31 Jan 23	₹10,896
31 Jan 24	₹11,708
31 Jan 25	₹12,609
31 Jan 26	₹13,512

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 7 Aug 22

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3%
1 Year	7.3%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.4%
2021	4.7%
2020	3.7%
2019	6.2%
2018	7.9%
2017	7.7%
2016	6.7%
2015	7.7%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	2.56 Yr.
Nikhil Kabra	3 Aug 16	9.42 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	98.82%
Debt	0.92%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	43.06%
Cash Equivalent	40.27%
Government	16.41%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹2,310 Cr	233,500,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	4%	₹1,302 Cr	131,500,000
Bank of Baroda Debentures \| -	2%	₹595 Cr	12,000
Bank of Baroda Debentures \| -	1%	₹471 Cr	9,500
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹347 Cr	35,000,000
364 DTB 15012026 Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
India (Republic of) - \| -	1%	₹250 Cr	25,000,000
Union Bank of India Domestic Bonds \| -	1%	₹244 Cr	5,000
Indian Bank Domestic Bonds \| -	0%	₹148 Cr	3,000
08.38 OD Sdl 2026 Sovereign Bonds \| -	0%	₹125 Cr	12,500,000

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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।