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फिनकैश »म्यूचुअल फंड्स »कम जोखिम वाले निवेशकों के लिए सर्वश्रेष्ठ म्युचुअल फंड

कम जोखिम वाले निवेशकों के लिए शीर्ष 4 म्युचुअल फंड

Updated on March 16, 2026 , 3664 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।Low-risk 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।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Overnight Fund Growth ₹3,638.64
↑ 0.51 		₹4,1191.22.65.56.35.85.18%3D3D
SBI Overnight Fund Growth ₹4,312.57
↑ 0.60 		₹35,0511.22.65.46.25.75.23%1D1D
HDFC Overnight Fund Growth ₹3,943.97
↑ 0.54 		₹12,5271.22.55.46.25.75.43%3D3D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Mar 26

Research Highlights & Commentary of 3 Funds showcased

CommentaryUTI Overnight FundSBI Overnight FundHDFC Overnight Fund
Point 1Bottom quartile AUM (₹4,119 Cr).Highest AUM (₹35,051 Cr).Lower mid AUM (₹12,527 Cr).
Point 2Established history (22+ yrs).Established history (23+ yrs).Oldest track record among peers (24 yrs).
Point 3Top rated.Rating: 2★ (lower mid).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 5.47% (upper mid).1Y return: 5.42% (lower mid).1Y return: 5.38% (bottom quartile).
Point 61M return: 0.37% (upper mid).1M return: 0.37% (lower mid).1M return: 0.36% (bottom quartile).
Point 7Sharpe: -14.13 (upper mid).Sharpe: -18.05 (lower mid).Sharpe: -18.92 (bottom quartile).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 5.18% (bottom quartile).Yield to maturity (debt): 5.23% (lower mid).Yield to maturity (debt): 5.43% (upper mid).
Point 10Modified 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 (₹4,119 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 5.47% (upper mid).
  • 1M return: 0.37% (upper mid).
  • Sharpe: -14.13 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.18% (bottom quartile).
  • Modified duration: 0.01 yrs (lower mid).

SBI Overnight Fund

  • Highest AUM (₹35,051 Cr).
  • Established history (23+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 5.42% (lower mid).
  • 1M return: 0.37% (lower mid).
  • Sharpe: -18.05 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.23% (lower mid).
  • Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

  • Lower mid AUM (₹12,527 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 5.38% (bottom quartile).
  • 1M return: 0.36% (bottom quartile).
  • Sharpe: -18.92 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.43% (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।

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 		₹5030.51.73.46.6 6.66%1M 7D1M 10D
BOI AXA Liquid Fund Growth ₹3,133.83
↑ 0.72 		₹1,8430.41.52.96.36.66.42%1M 2D1M 2D
DSP Liquidity Fund Growth ₹3,883.64
↑ 0.82 		₹16,6160.41.52.96.36.56.84%1M 6D1M 10D
Edelweiss Liquid Fund Growth ₹3,478.81
↑ 0.84 		₹10,1250.41.42.96.36.56.42%1M 1D1M 1D
Axis Liquid Fund Growth ₹3,028.87
↑ 0.58 		₹39,0280.41.52.96.36.66.5%27D30D
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

CommentaryIDBI Liquid FundBOI AXA Liquid FundDSP Liquidity FundEdelweiss Liquid FundAxis Liquid Fund
Point 1Bottom quartile AUM (₹503 Cr).Bottom quartile AUM (₹1,843 Cr).Upper mid AUM (₹16,616 Cr).Lower mid AUM (₹10,125 Cr).Highest AUM (₹39,028 Cr).
Point 2Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (20 yrs).Established history (18+ yrs).Established history (16+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 2★ (bottom quartile).Top rated.
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.55% (top quartile).1Y return: 6.32% (upper mid).1Y return: 6.27% (bottom quartile).1Y return: 6.29% (bottom quartile).1Y return: 6.29% (lower mid).
Point 61M return: 0.53% (top quartile).1M return: 0.42% (bottom quartile).1M return: 0.42% (upper mid).1M return: 0.42% (lower mid).1M return: 0.42% (bottom quartile).
Point 7Sharpe: 0.20 (bottom quartile).Sharpe: 3.73 (top quartile).Sharpe: 3.17 (lower mid).Sharpe: 3.25 (upper mid).Sharpe: 3.16 (bottom quartile).
Point 8Information ratio: -5.96 (bottom quartile).Information ratio: 1.44 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.66% (upper mid).Yield to maturity (debt): 6.42% (bottom quartile).Yield to maturity (debt): 6.84% (top quartile).Yield to maturity (debt): 6.42% (bottom quartile).Yield to maturity (debt): 6.50% (lower mid).
Point 10Modified duration: 0.10 yrs (bottom quartile).Modified duration: 0.09 yrs (lower mid).Modified duration: 0.10 yrs (bottom quartile).Modified duration: 0.09 yrs (upper mid).Modified duration: 0.07 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% (top quartile).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.10 yrs (bottom quartile).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹1,843 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.32% (upper mid).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: 3.73 (top quartile).
  • Information ratio: 1.44 (top quartile).
  • Yield to maturity (debt): 6.42% (bottom quartile).
  • Modified duration: 0.09 yrs (lower mid).

DSP Liquidity Fund

  • Upper mid AUM (₹16,616 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.27% (bottom quartile).
  • 1M return: 0.42% (upper mid).
  • Sharpe: 3.17 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.84% (top quartile).
  • Modified duration: 0.10 yrs (bottom quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹10,125 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.29% (bottom quartile).
  • 1M return: 0.42% (lower mid).
  • Sharpe: 3.25 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.42% (bottom quartile).
  • Modified duration: 0.09 yrs (upper mid).

Axis Liquid Fund

  • Highest AUM (₹39,028 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.29% (lower mid).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: 3.16 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.50% (lower mid).
  • Modified duration: 0.07 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।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04 		₹2971.35.913.78.8 0%1Y 15D
IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 		₹1461.63.46.44.8 6.83%2M 10D2M 23D
Aditya Birla Sun Life Savings Fund Growth ₹572.427
↑ 0.27 		₹22,8571.32.977.47.46.81%5M 19D6M 11D
ICICI Prudential Ultra Short Term Fund Growth ₹28.8876
↑ 0.02 		₹17,8081.32.86.87.17.17.31%5M 5D6M 11D
SBI Magnum Ultra Short Duration Fund Growth ₹6,227.94
↑ 3.91 		₹14,0321.42.86.77.176.99%4M 20D6M 7D
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

CommentaryFranklin India Ultra Short Bond Fund - Super Institutional PlanIDBI Ultra Short Term FundAditya Birla Sun Life Savings FundICICI Prudential Ultra Short Term FundSBI Magnum Ultra Short Duration Fund
Point 1Bottom quartile AUM (₹297 Cr).Bottom quartile AUM (₹146 Cr).Highest AUM (₹22,857 Cr).Upper mid AUM (₹17,808 Cr).Lower mid AUM (₹14,032 Cr).
Point 2Established history (18+ yrs).Established history (15+ yrs).Established history (22+ yrs).Established history (14+ yrs).Oldest track record among peers (26 yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 1★ (bottom quartile).Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Low.
Point 51Y return: 13.69% (top quartile).1Y return: 6.39% (bottom quartile).1Y return: 7.04% (upper mid).1Y return: 6.79% (lower mid).1Y return: 6.65% (bottom quartile).
Point 61M return: 0.59% (top quartile).1M return: 0.52% (upper mid).1M return: 0.37% (bottom quartile).1M return: 0.40% (lower mid).1M return: 0.39% (bottom quartile).
Point 7Sharpe: 2.57 (top quartile).Sharpe: -0.57 (bottom quartile).Sharpe: 2.17 (upper mid).Sharpe: 2.06 (bottom quartile).Sharpe: 2.11 (lower mid).
Point 8Information 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 9Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 6.83% (lower mid).Yield to maturity (debt): 6.81% (bottom quartile).Yield to maturity (debt): 7.31% (top quartile).Yield to maturity (debt): 6.99% (upper mid).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 0.19 yrs (upper mid).Modified duration: 0.47 yrs (bottom quartile).Modified duration: 0.43 yrs (bottom quartile).Modified duration: 0.39 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 (top 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% (upper mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.83% (lower mid).
  • Modified duration: 0.19 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹22,857 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.04% (upper mid).
  • 1M return: 0.37% (bottom quartile).
  • Sharpe: 2.17 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.81% (bottom quartile).
  • Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹17,808 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.79% (lower mid).
  • 1M return: 0.40% (lower mid).
  • Sharpe: 2.06 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.31% (top quartile).
  • Modified duration: 0.43 yrs (bottom quartile).

SBI Magnum Ultra Short Duration Fund

  • Lower mid AUM (₹14,032 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.65% (bottom quartile).
  • 1M return: 0.39% (bottom quartile).
  • Sharpe: 2.11 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.99% (upper mid).
  • Modified duration: 0.39 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।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Money Market Fund Growth ₹3,221.26
↑ 2.77 		₹20,4971.42.97.17.47.56.96%4M 26D4M 26D
ICICI Prudential Money Market Fund Growth ₹396.349
↑ 0.33 		₹35,0251.42.87.17.47.46.91%5M 12D5M 25D
Bandhan Money Manager Fund Growth ₹42.0854
↑ 0.03 		₹15,6941.42.8777.36.7%3M 28D3M 28D
HDFC Money Market Fund Growth ₹5,967.5
↑ 4.62 		₹33,2101.42.877.37.46.87%4M 15D4M 26D
Tata Money Market Fund Growth ₹4,930.23
↑ 4.02 		₹37,9391.42.877.47.46.35%5D5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Mar 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Money Market FundICICI Prudential Money Market FundBandhan Money Manager FundHDFC Money Market FundTata Money Market Fund
Point 1Bottom quartile AUM (₹20,497 Cr).Upper mid AUM (₹35,025 Cr).Bottom quartile AUM (₹15,694 Cr).Lower mid AUM (₹33,210 Cr).Highest AUM (₹37,939 Cr).
Point 2Established history (16+ yrs).Established history (20+ yrs).Established history (23+ yrs).Oldest track record among peers (26 yrs).Established history (22+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 7.07% (top quartile).1Y return: 7.06% (upper mid).1Y return: 6.97% (bottom quartile).1Y return: 6.99% (bottom quartile).1Y return: 7.00% (lower mid).
Point 61M return: 0.38% (lower mid).1M return: 0.36% (bottom quartile).1M return: 0.39% (upper mid).1M return: 0.38% (bottom quartile).1M return: 0.39% (top quartile).
Point 7Sharpe: 2.26 (lower mid).Sharpe: 2.31 (upper mid).Sharpe: 2.37 (top quartile).Sharpe: 2.12 (bottom quartile).Sharpe: 2.11 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.96% (top quartile).Yield to maturity (debt): 6.91% (upper mid).Yield to maturity (debt): 6.70% (bottom quartile).Yield to maturity (debt): 6.87% (lower mid).Yield to maturity (debt): 6.35% (bottom quartile).
Point 10Modified duration: 0.41 yrs (bottom quartile).Modified duration: 0.45 yrs (bottom quartile).Modified duration: 0.33 yrs (upper mid).Modified duration: 0.38 yrs (lower mid).Modified duration: 0.01 yrs (top quartile).

UTI Money Market Fund

  • Bottom quartile AUM (₹20,497 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.07% (top quartile).
  • 1M return: 0.38% (lower mid).
  • Sharpe: 2.26 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.96% (top quartile).
  • Modified duration: 0.41 yrs (bottom quartile).

ICICI Prudential Money Market Fund

  • Upper mid AUM (₹35,025 Cr).
  • Established history (20+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.06% (upper mid).
  • 1M return: 0.36% (bottom quartile).
  • Sharpe: 2.31 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.91% (upper mid).
  • Modified duration: 0.45 yrs (bottom quartile).

Bandhan Money Manager Fund

  • Bottom quartile AUM (₹15,694 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.97% (bottom quartile).
  • 1M return: 0.39% (upper mid).
  • Sharpe: 2.37 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.70% (bottom quartile).
  • Modified duration: 0.33 yrs (upper mid).

HDFC Money Market Fund

  • Lower mid AUM (₹33,210 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.99% (bottom quartile).
  • 1M return: 0.38% (bottom quartile).
  • Sharpe: 2.12 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.87% (lower mid).
  • Modified duration: 0.38 yrs (lower mid).

Tata Money Market Fund

  • Highest AUM (₹37,939 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.00% (lower mid).
  • 1M return: 0.39% (top quartile).
  • Sharpe: 2.11 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.35% (bottom quartile).
  • Modified duration: 0.01 yrs (top 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% (top quartile).
  • Sharpe: 2.57 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • 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.

DateValue
28 Feb 21₹10,000
28 Feb 22₹11,215

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

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure

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

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.55% (upper mid).
  • 1M return: 0.53% (upper mid).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (lower mid).
  • Modified duration: 0.10 yrs (bottom quartile).
  • Average maturity: 0.11 yrs (lower mid).
  • 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.

DateValue
28 Feb 21₹10,000
28 Feb 22₹10,345
28 Feb 23₹10,897

IDBI Liquid Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Liquid Fund
NameSinceTenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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% (lower mid).
  • 1M return: 0.52% (lower mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.83% (upper mid).
  • Modified duration: 0.19 yrs (bottom quartile).
  • Average maturity: 0.23 yrs (bottom quartile).
  • 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.

DateValue
28 Feb 21₹10,000
28 Feb 22₹10,390
28 Feb 23₹10,901

IDBI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual 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

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Ultra Short Term Fund
NameSinceTenure

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

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

4. BOI AXA Liquid Fund

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

Research Highlights for BOI AXA Liquid Fund

  • Upper mid AUM (₹1,843 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.32% (bottom quartile).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: 3.73 (top quartile).
  • Information ratio: 1.44 (top quartile).
  • Yield to maturity (debt): 6.42% (bottom quartile).
  • Modified duration: 0.09 yrs (upper mid).
  • Average maturity: 0.09 yrs (top quartile).
  • Exit load: NIL.
  • Top bond sector: Cash Equivalent.
  • Conservative stance with elevated cash (~100%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Tbill (~7.8%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (18 Mar 26) ₹3,133.83 ↑ 0.72   (0.02 %)
Net Assets (Cr) ₹1,843 on 31 Jan 26
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating ☆☆☆
Risk Low
Expense Ratio 0.13
Sharpe Ratio 3.73
Information Ratio 1.44
Alpha Ratio 0.07
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.42%
Effective Maturity 1 Month 2 Days
Modified Duration 1 Month 2 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹10,334
28 Feb 23₹10,892
29 Feb 24₹11,683
28 Feb 25₹12,543
28 Feb 26₹13,343

BOI AXA Liquid Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for BOI AXA Liquid Fund

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

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.9%
1 Year 6.3%
3 Year 7%
5 Year 6%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.6%
2023 7.4%
2022 7%
2021 4.9%
2020 3.3%
2019 4.1%
2018 6.4%
2017 7.4%
2016 6.7%
2015 7.6%
Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 214.54 Yr.

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

Asset Allocation
Asset ClassValue
Cash99.71%
Other0.29%
Debt Sector Allocation
SectorValue
Cash Equivalent57.03%
Corporate36.26%
Government6.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tbill
Sovereign Bonds | -		8%₹149 Cr15,000,000
Indian Bank
Certificate of Deposit | -		5%₹100 Cr10,000,000
Repo
CBLO/Reverse Repo | -		5%₹99 Cr
Union Bank Of India
Certificate of Deposit | -		5%₹92 Cr9,300,000
↑ 4,300,000
HDFC Securities Limited
Commercial Paper | -		4%₹80 Cr8,000,000
Bank Of Baroda
Certificate of Deposit | -		4%₹75 Cr7,500,000
Canara Bank
Certificate of Deposit | -		4%₹75 Cr7,500,000
07/05/2026 Maturing 91 DTB
Sovereign Bonds | -		4%₹74 Cr7,500,000
Export-Import Bank Of India
Certificate of Deposit | -		4%₹74 Cr7,500,000
↑ 7,500,000
State Bank Of India
Certificate of Deposit | -		3%₹65 Cr6,500,000

5. DSP Liquidity Fund

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

Research Highlights for DSP Liquidity Fund

  • Highest AUM (₹16,616 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.27% (bottom quartile).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: 3.17 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.84% (top quartile).
  • Modified duration: 0.10 yrs (lower mid).
  • Average maturity: 0.11 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Communication Services.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~100%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Treps / Reverse Repo Investments (~9.8%).

Below is the key information for DSP Liquidity Fund

DSP Liquidity Fund
Growth
Launch Date 23 Nov 05
NAV (18 Mar 26) ₹3,883.64 ↑ 0.82   (0.02 %)
Net Assets (Cr) ₹16,616 on 31 Jan 26
Category Debt - Liquid Fund
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating ☆☆☆
Risk Low
Expense Ratio 0.21
Sharpe Ratio 3.17
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.84%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 21₹10,000
28 Feb 22₹10,333
28 Feb 23₹10,880
29 Feb 24₹11,660
28 Feb 25₹12,512
28 Feb 26₹13,304

DSP Liquidity Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for DSP Liquidity Fund

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

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 2.9%
1 Year 6.3%
3 Year 6.9%
5 Year 5.9%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.5%
2023 7.4%
2022 7%
2021 4.8%
2020 3.3%
2019 4.2%
2018 6.5%
2017 7.4%
2016 6.6%
2015 7.6%
Fund Manager information for DSP Liquidity Fund
NameSinceTenure
Karan Mundhra31 May 214.75 Yr.
Shalini Vasanta1 Aug 241.58 Yr.
Kunal Khudania1 Jan 260.16 Yr.

Data below for DSP Liquidity Fund as on 31 Jan 26

Asset Allocation
Asset ClassValue
Cash99.77%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent68.49%
Corporate26.76%
Government4.53%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -		10%-₹2,061 Cr
5.63% Gs 2026
Sovereign Bonds | -		8%₹1,624 Cr158,900,000
↑ 38,400,000
HDFC Bank Ltd.
Debentures | -		4%₹797 Cr16,000
Tbill
Sovereign Bonds | -		4%₹773 Cr77,500,000
Small Industries Development Bank Of India
Commercial Paper | -		2%₹499 Cr10,000
Punjab National Bank (18/03/2026)
Certificate of Deposit | -		2%₹499 Cr10,000
National Bank for Agriculture and Rural Development
Commercial Paper | -		2%₹493 Cr10,000
India (Republic of)
- | -		2%₹466 Cr47,150,000
↑ 47,150,000
Bank Of Baroda
Certificate of Deposit | -		2%₹425 Cr8,500
ICICI Securities Ltd
Commercial Paper | -		2%₹399 Cr8,000

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

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AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153

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