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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 January 14, 2026 , 3579 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 ₹3,609.2
↑ 0.51 		₹5,3691.32.75.76.35.85.44%1D1D
SBI Overnight Fund Growth ₹4,277.95
↑ 0.60 		₹24,0251.32.75.76.35.75.48%1D1D
HDFC Overnight Fund Growth ₹3,912.65
↑ 0.53 		₹9,6411.32.65.66.35.75.46%2D2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Jan 26

Research Highlights & Commentary of 3 Funds showcased

CommentaryUTI Overnight FundSBI Overnight FundHDFC Overnight Fund
Point 1Bottom quartile AUM (₹5,369 Cr).Highest AUM (₹24,025 Cr).Lower mid AUM (₹9,641 Cr).
Point 2Established history (22+ yrs).Oldest track record among peers (23 yrs).Established history (23+ 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: 5.71% (upper mid).1Y return: 5.66% (lower mid).1Y return: 5.62% (bottom quartile).
Point 61M return: 0.45% (upper mid).1M return: 0.44% (bottom quartile).1M return: 0.44% (lower mid).
Point 7Sharpe: -8.30 (upper mid).Sharpe: -9.66 (lower mid).Sharpe: -11.62 (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): 5.44% (bottom quartile).Yield to maturity (debt): 5.48% (upper mid).Yield to maturity (debt): 5.46% (lower mid).
Point 10Modified 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 (₹5,369 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 5.71% (upper mid).
  • 1M return: 0.45% (upper mid).
  • Sharpe: -8.30 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.44% (bottom quartile).
  • Modified duration: 0.00 yrs (upper mid).

SBI Overnight Fund

  • Highest AUM (₹24,025 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 5.66% (lower mid).
  • 1M return: 0.44% (bottom quartile).
  • Sharpe: -9.66 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.48% (upper mid).
  • Modified duration: 0.00 yrs (lower mid).

HDFC Overnight Fund

  • Lower mid AUM (₹9,641 Cr).
  • Established history (23+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 5.62% (bottom quartile).
  • 1M return: 0.44% (lower mid).
  • Sharpe: -11.62 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.46% (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।

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 ₹3,102.65
↑ 0.41 		₹1,4260.51.52.96.56.65.94%1M 20D1M 20D
Edelweiss Liquid Fund Growth ₹3,444.67
↑ 0.41 		₹10,2140.51.42.96.46.55.92%1M 2D1M 2D
Axis Liquid Fund Growth ₹2,999.16
↑ 0.39 		₹37,3580.51.42.96.56.65.98%1M 9D1M 12D
DSP Liquidity Fund Growth ₹3,845.34
↑ 0.43 		₹21,3440.51.42.96.46.55.98%1M 2D1M 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

CommentaryIDBI Liquid FundBOI AXA Liquid FundEdelweiss Liquid FundAxis Liquid FundDSP Liquidity Fund
Point 1Bottom quartile AUM (₹503 Cr).Bottom quartile AUM (₹1,426 Cr).Lower mid AUM (₹10,214 Cr).Highest AUM (₹37,358 Cr).Upper mid AUM (₹21,344 Cr).
Point 2Established history (15+ yrs).Established history (17+ yrs).Established history (18+ yrs).Established history (16+ yrs).Oldest track record among peers (20 yrs).
Point 3Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Top rated.Rating: 3★ (bottom quartile).
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: 6.48% (upper mid).1Y return: 6.45% (bottom quartile).1Y return: 6.46% (lower mid).1Y return: 6.43% (bottom quartile).
Point 61M return: 0.53% (top quartile).1M return: 0.50% (upper mid).1M return: 0.48% (bottom quartile).1M return: 0.49% (bottom quartile).1M return: 0.49% (lower mid).
Point 7Sharpe: 0.20 (bottom quartile).Sharpe: 3.84 (top quartile).Sharpe: 3.62 (upper mid).Sharpe: 3.40 (lower mid).Sharpe: 3.34 (bottom quartile).
Point 8Information ratio: -5.96 (bottom quartile).Information ratio: 1.15 (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% (top quartile).Yield to maturity (debt): 5.94% (bottom quartile).Yield to maturity (debt): 5.92% (bottom quartile).Yield to maturity (debt): 5.98% (upper mid).Yield to maturity (debt): 5.98% (lower mid).
Point 10Modified duration: 0.10 yrs (lower mid).Modified duration: 0.14 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.11 yrs (bottom quartile).Modified duration: 0.09 yrs (upper mid).

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% (top quartile).
  • Modified duration: 0.10 yrs (lower mid).

BOI AXA Liquid Fund

  • Bottom quartile AUM (₹1,426 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.48% (upper mid).
  • 1M return: 0.50% (upper mid).
  • Sharpe: 3.84 (top quartile).
  • Information ratio: 1.15 (top quartile).
  • Yield to maturity (debt): 5.94% (bottom quartile).
  • Modified duration: 0.14 yrs (bottom quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹10,214 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.45% (bottom quartile).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.62 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.92% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Axis Liquid Fund

  • Highest AUM (₹37,358 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.46% (lower mid).
  • 1M return: 0.49% (bottom quartile).
  • Sharpe: 3.40 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.98% (upper mid).
  • Modified duration: 0.11 yrs (bottom quartile).

DSP Liquidity Fund

  • Upper mid AUM (₹21,344 Cr).
  • Oldest track record among peers (20 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.43% (bottom quartile).
  • 1M return: 0.49% (lower mid).
  • Sharpe: 3.34 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.98% (lower mid).
  • Modified duration: 0.09 yrs (upper 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।

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 ₹566.628
↓ -0.07 		₹24,1291.32.87.27.47.46.66%5M 23D6M 18D
ICICI Prudential Ultra Short Term Fund Growth ₹28.6011
↑ 0.00 		₹19,7381.32.86.97.17.16.55%4M 13D5M 26D
SBI Magnum Ultra Short Duration Fund Growth ₹6,167.43
↑ 0.40 		₹15,5651.32.86.87.176.35%5M 8D5M 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

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 (₹24,129 Cr).Upper mid AUM (₹19,738 Cr).Lower mid AUM (₹15,565 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: 7.16% (upper mid).1Y return: 6.91% (lower mid).1Y return: 6.82% (bottom quartile).
Point 61M return: 0.59% (top quartile).1M return: 0.52% (upper mid).1M return: 0.36% (bottom quartile).1M return: 0.38% (bottom quartile).1M return: 0.40% (lower mid).
Point 7Sharpe: 2.57 (bottom quartile).Sharpe: -0.57 (bottom quartile).Sharpe: 3.69 (top quartile).Sharpe: 3.17 (upper mid).Sharpe: 2.81 (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% (top quartile).Yield to maturity (debt): 6.66% (upper mid).Yield to maturity (debt): 6.55% (lower mid).Yield to maturity (debt): 6.35% (bottom quartile).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 0.19 yrs (upper mid).Modified duration: 0.48 yrs (bottom quartile).Modified duration: 0.37 yrs (lower mid).Modified duration: 0.44 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% (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% (upper mid).
  • 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 (₹24,129 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.16% (upper mid).
  • 1M return: 0.36% (bottom quartile).
  • Sharpe: 3.69 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.48 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹19,738 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.91% (lower mid).
  • 1M return: 0.38% (bottom quartile).
  • Sharpe: 3.17 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.55% (lower mid).
  • Modified duration: 0.37 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

  • Lower mid AUM (₹15,565 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.82% (bottom quartile).
  • 1M return: 0.40% (lower mid).
  • Sharpe: 2.81 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.35% (bottom quartile).
  • Modified duration: 0.44 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।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Money Market Fund Growth ₹3,189.96
↑ 0.10 		₹22,1981.42.87.37.57.56.19%4M 12D4M 12D
Franklin India Savings Fund Growth ₹51.8951
↑ 0.01 		₹4,4221.42.87.37.47.46.17%3M 14D3M 22D
ICICI Prudential Money Market Fund Growth ₹392.523
↑ 0.03 		₹35,5791.42.87.37.57.46.15%3M 17D3M 25D
Bandhan Money Manager Fund Growth ₹41.6779
↑ 0.01 		₹14,3461.42.87.277.36.08%3M 23D3M 23D
Kotak Money Market Scheme Growth ₹4,642.95
↑ 0.37 		₹37,6671.32.87.27.47.46.2%4M 24D4M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Jan 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Money Market FundFranklin India Savings FundICICI Prudential Money Market FundBandhan Money Manager FundKotak Money Market Scheme
Point 1Lower mid AUM (₹22,198 Cr).Bottom quartile AUM (₹4,422 Cr).Upper mid AUM (₹35,579 Cr).Bottom quartile AUM (₹14,346 Cr).Highest AUM (₹37,667 Cr).
Point 2Established history (16+ yrs).Oldest track record among peers (23 yrs).Established history (19+ yrs).Established history (22+ yrs).Established history (22+ yrs).
Point 3Top rated.Rating: 3★ (bottom quartile).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 4★ (lower mid).
Point 4Risk profile: Low.Risk profile: Moderately Low.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Low.
Point 51Y return: 7.30% (top quartile).1Y return: 7.29% (upper mid).1Y return: 7.28% (lower mid).1Y return: 7.18% (bottom quartile).1Y return: 7.20% (bottom quartile).
Point 61M return: 0.40% (bottom quartile).1M return: 0.45% (top quartile).1M return: 0.41% (lower mid).1M return: 0.43% (upper mid).1M return: 0.39% (bottom quartile).
Point 7Sharpe: 3.06 (top quartile).Sharpe: 2.80 (bottom quartile).Sharpe: 2.82 (lower mid).Sharpe: 2.77 (bottom quartile).Sharpe: 2.87 (upper 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): 6.19% (upper mid).Yield to maturity (debt): 6.17% (lower mid).Yield to maturity (debt): 6.15% (bottom quartile).Yield to maturity (debt): 6.08% (bottom quartile).Yield to maturity (debt): 6.20% (top quartile).
Point 10Modified duration: 0.37 yrs (bottom quartile).Modified duration: 0.29 yrs (top quartile).Modified duration: 0.30 yrs (upper mid).Modified duration: 0.32 yrs (lower mid).Modified duration: 0.40 yrs (bottom quartile).

UTI Money Market Fund

  • Lower mid AUM (₹22,198 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.30% (top quartile).
  • 1M return: 0.40% (bottom quartile).
  • Sharpe: 3.06 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.19% (upper mid).
  • Modified duration: 0.37 yrs (bottom quartile).

Franklin India Savings Fund

  • Bottom quartile AUM (₹4,422 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.29% (upper mid).
  • 1M return: 0.45% (top quartile).
  • Sharpe: 2.80 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.17% (lower mid).
  • Modified duration: 0.29 yrs (top quartile).

ICICI Prudential Money Market Fund

  • Upper mid AUM (₹35,579 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.28% (lower mid).
  • 1M return: 0.41% (lower mid).
  • Sharpe: 2.82 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 0.30 yrs (upper mid).

Bandhan Money Manager Fund

  • Bottom quartile AUM (₹14,346 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.18% (bottom quartile).
  • 1M return: 0.43% (upper mid).
  • Sharpe: 2.77 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.32 yrs (lower mid).

Kotak Money Market Scheme

  • Highest AUM (₹37,667 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.20% (bottom quartile).
  • 1M return: 0.39% (bottom quartile).
  • Sharpe: 2.87 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.20% (top quartile).
  • Modified duration: 0.40 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).
  • Oldest track record among peers (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
31 Dec 20₹10,000
31 Dec 21₹11,185

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% (upper mid).
  • Modified duration: 0.10 yrs (lower mid).
  • Average maturity: 0.11 yrs (upper 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
31 Dec 20₹10,000
31 Dec 21₹10,338
31 Dec 22₹10,844

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% (bottom quartile).
  • 1M return: 0.52% (lower mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.83% (top quartile).
  • 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
31 Dec 20₹10,000
31 Dec 21₹10,395
31 Dec 22₹10,864

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 (₹1,426 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.48% (lower mid).
  • 1M return: 0.50% (bottom quartile).
  • Sharpe: 3.84 (top quartile).
  • Information ratio: 1.15 (top quartile).
  • Yield to maturity (debt): 5.94% (lower mid).
  • Modified duration: 0.14 yrs (bottom quartile).
  • Average maturity: 0.14 yrs (lower mid).
  • Exit load: NIL.
  • Top bond sector: Cash Equivalent.
  • Conservative stance with elevated cash (~100%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Repo (~7.1%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (16 Jan 26) ₹3,102.65 ↑ 0.41   (0.01 %)
Net Assets (Cr) ₹1,426 on 30 Nov 25
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating ☆☆☆
Risk Low
Expense Ratio 0.13
Sharpe Ratio 3.84
Information Ratio 1.15
Alpha Ratio 0.07
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.94%
Effective Maturity 1 Month 20 Days
Modified Duration 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,326
31 Dec 22₹10,835
31 Dec 23₹11,599
31 Dec 24₹12,461
31 Dec 25₹13,280

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 0.5%
3 Month 1.5%
6 Month 2.9%
1 Year 6.5%
3 Year 7%
5 Year 5.9%
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 214.29 Yr.

Data below for BOI AXA Liquid Fund as on 30 Nov 25

Asset Allocation
Asset ClassValue
Cash99.62%
Other0.38%
Debt Sector Allocation
SectorValue
Cash Equivalent54.05%
Corporate24.38%
Government21.19%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Repo
CBLO/Reverse Repo | -		7%₹101 Cr
India (Republic of)
- | -		7%₹99 Cr10,000,000
↑ 10,000,000
Bank of Baroda
Debentures | -		7%₹99 Cr10,000,000
↓ -500,000
India (Republic of)
- | -		5%₹74 Cr7,500,000
↑ 7,500,000
India (Republic of)
- | -		4%₹55 Cr5,500,000
↑ 5,500,000
Indian Bank
Certificate of Deposit | -		4%₹50 Cr5,000,000
Punjab National Bank
Certificate of Deposit | -		4%₹50 Cr5,000,000
Bajaj Finance Limited
Commercial Paper | -		4%₹50 Cr5,000,000
Power Finance Corporation Limited
Commercial Paper | -		3%₹50 Cr5,000,000
Canara Bank
Certificate of Deposit | -		3%₹50 Cr5,000,000

5. Edelweiss Liquid Fund

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

Research Highlights for Edelweiss Liquid Fund

  • Highest AUM (₹10,214 Cr).
  • Established history (18+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.45% (bottom quartile).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.62 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.92% (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 Axis Bank Limited (~5.1%).

Below is the key information for Edelweiss Liquid Fund

Edelweiss Liquid Fund
Growth
Launch Date 21 Sep 07
NAV (16 Jan 26) ₹3,444.67 ↑ 0.41   (0.01 %)
Net Assets (Cr) ₹10,214 on 30 Nov 25
Category Debt - Liquid Fund
AMC Edelweiss Asset Management Limited
Rating ☆☆
Risk Low
Expense Ratio 0.23
Sharpe Ratio 3.62
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.92%
Effective Maturity 1 Month 2 Days
Modified Duration 1 Month 2 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,323
31 Dec 22₹10,804
31 Dec 23₹11,544
31 Dec 24₹12,392
31 Dec 25₹13,202

Edelweiss 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 Edelweiss Liquid Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 2.9%
1 Year 6.4%
3 Year 6.9%
5 Year 5.7%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.5%
2023 7.3%
2022 6.9%
2021 4.7%
2020 3.2%
2019 4.1%
2018 6.6%
2017 7.4%
2016 6.6%
2015 6.8%
Fund Manager information for Edelweiss Liquid Fund
NameSinceTenure
Rahul Dedhia11 Dec 177.98 Yr.
Pranavi Kulkarni23 Nov 214.02 Yr.
Hetul Raval22 Sep 250.19 Yr.

Data below for Edelweiss Liquid Fund as on 30 Nov 25

Asset Allocation
Asset ClassValue
Cash99.8%
Other0.2%
Debt Sector Allocation
SectorValue
Cash Equivalent61.71%
Corporate24.1%
Government13.98%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Axis Bank Limited
Certificate of Deposit | -		5%₹543 Cr55,000,000
↑ 55,000,000
India (Republic of)
- | -		5%₹500 Cr50,000,000
Reliance Industries Limited
Commercial Paper | -		5%₹499 Cr50,000,000
India (Republic of)
- | -		3%₹348 Cr35,000,000
Bank Of Baroda
Certificate of Deposit | -		3%₹345 Cr35,000,000
↑ 35,000,000
Punjab National Bank
Domestic Bonds | -		3%₹325 Cr32,500,000
↑ 32,500,000
Small Industries Development Bank Of India
Debentures | -		3%₹300 Cr30,000,000
↑ 30,000,000
Union Bank of India
Domestic Bonds | -		3%₹300 Cr30,000,000
↑ 30,000,000
Punjab National Bank
Domestic Bonds | -		3%₹296 Cr30,000,000
↑ 30,000,000
Axis Bank Limited
Certificate of Deposit | -		2%₹247 Cr25,000,000

कम जोखिम वाले म्यूचुअल फंड में ऑनलाइन निवेश कैसे करें?

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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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Shepard Technologies Pvt. Ltd : 1808, Solus, Hiranandani Estate, Thane, Maharashtra - 400607

AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153

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