कम जोखिम वाले निवेशकों के लिए शीर्ष 4 म्युचुअल फंड

Updated on September 3, 2026 , 4130 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	₹3,725.62 ↑ 0.43	₹5,089	1.3	2.6	5.2	6	5.8	5.41%	2D	2D
SBI Overnight Fund Growth	₹4,414.9 ↑ 0.52	₹29,876	1.3	2.6	5.2	6	5.7	5.39%	1D	1D
HDFC Overnight Fund Growth	₹4,037.07 ↑ 0.48	₹11,145	1.3	2.5	5.2	6	5.7	5.6%	2D	2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹5,089 Cr).	Highest AUM (₹29,876 Cr).	Lower mid AUM (₹11,145 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: 5.24% (upper mid).	1Y return: 5.20% (lower mid).	1Y return: 5.16% (bottom quartile).
Point 6	1M return: 0.42% (upper mid).	1M return: 0.42% (lower mid).	1M return: 0.41% (bottom quartile).
Point 7	Sharpe: -15.39 (upper mid).	Sharpe: -17.50 (lower mid).	Sharpe: -19.68 (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): 5.41% (lower mid).	Yield to maturity (debt): 5.39% (bottom quartile).	Yield to maturity (debt): 5.60% (upper mid).
Point 10	Modified duration: 0.01 yrs (lower mid).	Modified duration: 0.00 yrs (upper mid).	Modified duration: 0.01 yrs (bottom quartile).

UTI Overnight Fund

Bottom quartile AUM (₹5,089 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.24% (upper mid).
1M return: 0.42% (upper mid).
Sharpe: -15.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.41% (lower mid).
Modified duration: 0.01 yrs (lower mid).

SBI Overnight Fund

Highest AUM (₹29,876 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.20% (lower mid).
1M return: 0.42% (lower mid).
Sharpe: -17.50 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.39% (bottom quartile).
Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

Lower mid AUM (₹11,145 Cr).
Oldest track record among peers (24 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.16% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: -19.68 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.60% (upper 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
Axis Liquid Fund Growth	₹3,128.34 ↑ 0.66	₹56,438	0.6	1.8	3.5	6.5	6.6	6.47%	2M 5D	2M 5D
Edelweiss Liquid Fund Growth	₹3,592.47 ↑ 0.69	₹13,796	0.6	1.8	3.5	6.5	6.5	6.33%	2M 2D	2M 2D
BOI AXA Liquid Fund Growth	₹3,236.48 ↑ 0.49	₹1,728	0.6	1.8	3.5	6.5	6.6	6.26%	1M 13D	1M 13D
Invesco India Liquid Fund Growth	₹3,859.5 ↑ 0.83	₹20,723	0.6	1.8	3.5	6.5	6.5	6.32%	1M 11D	1M 11D
PGIM India Insta Cash Fund Growth	₹365.506 ↑ 0.06	₹787	0.6	1.7	3.5	6.4	6.5	6.34%	1M 28D	2M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	BOI AXA Liquid Fund	Invesco India Liquid Fund	PGIM India Insta Cash Fund
Point 1	Highest AUM (₹56,438 Cr).	Lower mid AUM (₹13,796 Cr).	Bottom quartile AUM (₹1,728 Cr).	Upper mid AUM (₹20,723 Cr).	Bottom quartile AUM (₹787 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Oldest track record among peers (19 yrs).	Established history (19+ yrs).
Point 3	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Top rated.
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.51% (top quartile).	1Y return: 6.50% (lower mid).	1Y return: 6.50% (upper mid).	1Y return: 6.45% (bottom quartile).	1Y return: 6.44% (bottom quartile).
Point 6	1M return: 0.58% (lower mid).	1M return: 0.58% (upper mid).	1M return: 0.58% (top quartile).	1M return: 0.58% (bottom quartile).	1M return: 0.56% (bottom quartile).
Point 7	Sharpe: 2.57 (upper mid).	Sharpe: 2.51 (lower mid).	Sharpe: 2.77 (top quartile).	Sharpe: 2.42 (bottom quartile).	Sharpe: 2.48 (bottom quartile).
Point 8	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 2.18 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 1.02 (upper mid).
Point 9	Yield to maturity (debt): 6.47% (top quartile).	Yield to maturity (debt): 6.33% (lower mid).	Yield to maturity (debt): 6.26% (bottom quartile).	Yield to maturity (debt): 6.32% (bottom quartile).	Yield to maturity (debt): 6.34% (upper mid).
Point 10	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.12 yrs (upper mid).	Modified duration: 0.12 yrs (top quartile).	Modified duration: 0.16 yrs (lower mid).

Axis Liquid Fund

Highest AUM (₹56,438 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.51% (top quartile).
1M return: 0.58% (lower mid).
Sharpe: 2.57 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.47% (top quartile).
Modified duration: 0.18 yrs (bottom quartile).

Edelweiss Liquid Fund

Lower mid AUM (₹13,796 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.50% (lower mid).
1M return: 0.58% (upper mid).
Sharpe: 2.51 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.33% (lower mid).
Modified duration: 0.17 yrs (bottom quartile).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,728 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.50% (upper mid).
1M return: 0.58% (top quartile).
Sharpe: 2.77 (top quartile).
Information ratio: 2.18 (top quartile).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).

Invesco India Liquid Fund

Upper mid AUM (₹20,723 Cr).
Oldest track record among peers (19 yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.45% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 2.42 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.32% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹787 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.44% (bottom quartile).
1M return: 0.56% (bottom quartile).
Sharpe: 2.48 (bottom quartile).
Information ratio: 1.02 (upper mid).
Yield to maturity (debt): 6.34% (upper mid).
Modified duration: 0.16 yrs (lower mid).

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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
Invesco India Ultra Short Term Fund Growth	₹2,898.75 ↑ 0.75	₹1,073	2.1	3.5	6.3	6.9	6.8	7.03%	5M 3D	5M 7D
Aditya Birla Sun Life Savings Fund Growth	₹591.267 ↑ 0.21	₹18,189	2.2	3.5	6.5	7.3	7.4	7.45%	5M 26D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹29.8235 ↑ 0.01	₹15,455	2.1	3.5	6.4	7	7.1	7.17%	5M 8D	6M 18D
Nippon India Ultra Short Duration Fund Growth	₹4,330.32 ↑ 1.30	₹11,659	2	3.4	6.3	6.8	6.8	7.31%	5M 18D	7M 18D
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	Invesco India Ultra Short Term Fund	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Nippon India Ultra Short Duration Fund
Point 1	Bottom quartile AUM (₹297 Cr).	Bottom quartile AUM (₹1,073 Cr).	Highest AUM (₹18,189 Cr).	Upper mid AUM (₹15,455 Cr).	Lower mid AUM (₹11,659 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (23+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 6.28% (bottom quartile).	1Y return: 6.50% (upper mid).	1Y return: 6.42% (lower mid).	1Y return: 6.31% (bottom quartile).
Point 6	1M return: 0.59% (bottom quartile).	1M return: 0.66% (top quartile).	1M return: 0.66% (upper mid).	1M return: 0.63% (lower mid).	1M return: 0.61% (bottom quartile).
Point 7	Sharpe: 2.57 (top quartile).	Sharpe: 0.56 (bottom quartile).	Sharpe: 0.81 (upper mid).	Sharpe: 0.81 (lower mid).	Sharpe: 0.72 (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): 0.00% (bottom quartile).	Yield to maturity (debt): 7.03% (bottom quartile).	Yield to maturity (debt): 7.45% (top quartile).	Yield to maturity (debt): 7.17% (lower mid).	Yield to maturity (debt): 7.31% (upper mid).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.42 yrs (upper mid).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.47 yrs (bottom quartile).

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% (bottom quartile).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Invesco India Ultra Short Term Fund

Bottom quartile AUM (₹1,073 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.28% (bottom quartile).
1M return: 0.66% (top quartile).
Sharpe: 0.56 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.03% (bottom quartile).
Modified duration: 0.42 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹18,189 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.50% (upper mid).
1M return: 0.66% (upper mid).
Sharpe: 0.81 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹15,455 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.42% (lower mid).
1M return: 0.63% (lower mid).
Sharpe: 0.81 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.17% (lower mid).
Modified duration: 0.44 yrs (lower mid).

Nippon India Ultra Short Duration Fund

Lower mid AUM (₹11,659 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.31% (bottom quartile).
1M return: 0.61% (bottom quartile).
Sharpe: 0.72 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.31% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).

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
Aditya Birla Sun Life Money Manager Fund Growth	₹399.349 ↑ 0.12	₹30,160	2.3	3.6	6.5	7.3	7.4	6.95%	6M 25D	6M 29D
Tata Money Market Fund Growth	₹5,095.16 ↑ 1.57	₹34,138	2.2	3.5	6.5	7.3	7.4	6.81%	6M 5D	6M 5D
UTI Money Market Fund Growth	₹3,328.85 ↑ 0.96	₹18,782	2.3	3.5	6.5	7.3	7.5	6.87%	6M 19D	6M 19D
Nippon India Money Market Fund Growth	₹4,477.5 ↑ 1.18	₹23,227	2.2	3.5	6.5	7.3	7.4	6.89%	6M 12D	6M 26D
Bandhan Money Manager Fund Growth	₹43.4709 ↑ 0.01	₹13,783	2.2	3.5	6.5	7	7.3	6.75%	6M 26D	6M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Money Manager Fund	Tata Money Market Fund	UTI Money Market Fund	Nippon India Money Market Fund	Bandhan Money Manager Fund
Point 1	Upper mid AUM (₹30,160 Cr).	Highest AUM (₹34,138 Cr).	Bottom quartile AUM (₹18,782 Cr).	Lower mid AUM (₹23,227 Cr).	Bottom quartile AUM (₹13,783 Cr).
Point 2	Established history (20+ yrs).	Oldest track record among peers (23 yrs).	Established history (17+ yrs).	Established history (21+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 6.52% (upper mid).	1Y return: 6.50% (lower mid).	1Y return: 6.53% (top quartile).	1Y return: 6.46% (bottom quartile).	1Y return: 6.47% (bottom quartile).
Point 6	1M return: 0.71% (top quartile).	1M return: 0.69% (upper mid).	1M return: 0.68% (lower mid).	1M return: 0.68% (bottom quartile).	1M return: 0.67% (bottom quartile).
Point 7	Sharpe: 0.63 (bottom quartile).	Sharpe: 0.74 (top quartile).	Sharpe: 0.73 (upper mid).	Sharpe: 0.62 (bottom quartile).	Sharpe: 0.71 (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): 6.95% (top quartile).	Yield to maturity (debt): 6.81% (bottom quartile).	Yield to maturity (debt): 6.87% (lower mid).	Yield to maturity (debt): 6.89% (upper mid).	Yield to maturity (debt): 6.75% (bottom quartile).
Point 10	Modified duration: 0.57 yrs (bottom quartile).	Modified duration: 0.51 yrs (top quartile).	Modified duration: 0.55 yrs (lower mid).	Modified duration: 0.53 yrs (upper mid).	Modified duration: 0.57 yrs (bottom quartile).

Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹30,160 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.52% (upper mid).
1M return: 0.71% (top quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (top quartile).
Modified duration: 0.57 yrs (bottom quartile).

Tata Money Market Fund

Highest AUM (₹34,138 Cr).
Oldest track record among peers (23 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.50% (lower mid).
1M return: 0.69% (upper mid).
Sharpe: 0.74 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.51 yrs (top quartile).

UTI Money Market Fund

Bottom quartile AUM (₹18,782 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.53% (top quartile).
1M return: 0.68% (lower mid).
Sharpe: 0.73 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.55 yrs (lower mid).

Nippon India Money Market Fund

Lower mid AUM (₹23,227 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.68% (bottom quartile).
Sharpe: 0.62 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.89% (upper mid).
Modified duration: 0.53 yrs (upper mid).

Bandhan Money Manager Fund

Bottom quartile AUM (₹13,783 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.47% (bottom quartile).
1M return: 0.67% (bottom quartile).
Sharpe: 0.71 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.75% (bottom quartile).
Modified duration: 0.57 yrs (bottom quartile).

*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% (bottom quartile).
Sharpe: 2.57 (top quartile).
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

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. Aditya Birla Sun Life Money Manager Fund

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

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

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹30,160 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.52% (lower mid).
1M return: 0.71% (top quartile).
Sharpe: 0.63 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.95% (top quartile).
Modified duration: 0.57 yrs (bottom quartile).
Average maturity: 0.58 yrs (bottom quartile).
Exit load: NIL.

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

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (04 Sep 26)	₹399.349 ↑ 0.12 (0.03 %)
Net Assets (Cr)	₹30,160 on 31 Jul 26
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	0.63
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value

Aditya Birla Sun Life Money Manager Fund SIP Returns

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

Returns for Aditya Birla Sun Life Money Manager Fund

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

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	3.6%
1 Year	6.5%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.8%
2022	7.4%
2021	4.8%
2020	3.8%
2019	6.6%
2018	8%
2017	7.9%
2016	6.8%
2015	7.7%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

3. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

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

Research Highlights for Tata Money Market Fund

Highest AUM (₹34,138 Cr).
Oldest track record among peers (23 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.50% (bottom quartile).
1M return: 0.69% (upper mid).
Sharpe: 0.74 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (bottom quartile).
Modified duration: 0.51 yrs (upper mid).
Average maturity: 0.51 yrs (top quartile).
Exit load: NIL.

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (04 Sep 26)	₹5,095.16 ↑ 1.57 (0.03 %)
Net Assets (Cr)	₹34,138 on 31 Jul 26
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	0.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 5 Days
Modified Duration	6 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value

Tata Money Market Fund SIP Returns

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

Returns for Tata Money Market Fund

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

Duration	Returns
1 Month	0.7%
3 Month	2.2%
6 Month	3.5%
1 Year	6.5%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.4%
2021	4.8%
2020	3.9%
2019	6.4%
2018	8.1%
2017	-0.1%
2016	6.7%
2015	7.6%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. UTI Money Market Fund

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

Research Highlights for UTI Money Market Fund

Bottom quartile AUM (₹18,782 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.53% (upper mid).
1M return: 0.68% (lower mid).
Sharpe: 0.73 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.55 yrs (bottom quartile).
Average maturity: 0.55 yrs (upper mid).
Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (04 Sep 26)	₹3,328.85 ↑ 0.96 (0.03 %)
Net Assets (Cr)	₹18,782 on 31 Jul 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	0.73
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	6 Months 19 Days
Modified Duration	6 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value

UTI Money Market Fund SIP Returns

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

Returns for UTI Money Market Fund

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

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	3.5%
1 Year	6.5%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.4%
2021	4.9%
2020	3.7%
2019	6%
2018	8%
2017	7.8%
2016	6.7%
2015	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

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

Research Highlights for Nippon India Money Market Fund

Lower mid AUM (₹23,227 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.68% (bottom quartile).
Sharpe: 0.62 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.89% (upper mid).
Modified duration: 0.53 yrs (lower mid).
Average maturity: 0.57 yrs (lower mid).
Exit load: NIL.

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (04 Sep 26)	₹4,477.5 ↑ 1.18 (0.03 %)
Net Assets (Cr)	₹23,227 on 31 Jul 26
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	0.62
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.89%
Effective Maturity	6 Months 26 Days
Modified Duration	6 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value

Nippon India Money Market Fund SIP Returns

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

Returns for Nippon India Money Market Fund

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

Duration	Returns
1 Month	0.7%
3 Month	2.2%
6 Month	3.5%
1 Year	6.5%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.8%
2022	7.4%
2021	5%
2020	3.8%
2019	6%
2018	8.1%
2017	7.9%
2016	6.6%
2015	7.6%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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