ಅತ್ಯುತ್ತಮ ಹಣ ಮಾರುಕಟ್ಟೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Updated on March 29, 2026 , 43797 views

ಸಾಮಾನ್ಯ ಪರಿಭಾಷೆಯಲ್ಲಿ,ಅತ್ಯುತ್ತಮ ದ್ರವ ನಿಧಿಗಳು (ಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು) ಸಾಲವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಅಥವಾ ಬದಲಿಗೆ ಹಣಮಾರುಕಟ್ಟೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಹೂಡಿಕೆಯ ಅವಧಿಯಲ್ಲಿ ಮಾತ್ರ ವ್ಯತ್ಯಾಸವಿದೆ. ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು ಬಹಳ ಕಡಿಮೆ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಠೇವಣಿ ಪ್ರಮಾಣಪತ್ರ, ಖಜಾನೆ ಬಿಲ್ಲುಗಳು, ವಾಣಿಜ್ಯ ಪತ್ರಗಳು ಇತ್ಯಾದಿ.

ಈ ನಿಧಿಗಳ ಹೂಡಿಕೆಯ ಅವಧಿಯು ತುಂಬಾ ಚಿಕ್ಕದಾಗಿದೆ, ಸಾಮಾನ್ಯವಾಗಿ ಒಂದೆರಡು ದಿನಗಳಿಂದ ಕೆಲವು ವಾರಗಳವರೆಗೆ ಇರುತ್ತದೆ (ಇದು ಒಂದು ದಿನವೂ ಆಗಿರಬಹುದು!). ಸರಾಸರಿ ಉಳಿದಿರುವ ಪಕ್ವತೆದ್ರವ ನಿಧಿಗಳು ಅವರು ಪ್ರತ್ಯೇಕವಾಗಿ 91 ದಿನಗಳ ವರೆಗೆ ಮೆಚ್ಯೂರಿಟಿ ಹೊಂದಿರುವ ಸೆಕ್ಯುರಿಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ 91 ದಿನಗಳಿಗಿಂತ ಕಡಿಮೆಯಿರುತ್ತದೆ.

ಅಲ್ಪಾವಧಿಯಾಗಿರುವುದುಸಾಲ ನಿಧಿ, ಈ ನಿಧಿಗಳು ಕಡಿಮೆ ಅವಧಿಗೆ ಕಡಿಮೆ ಅಪಾಯದ ಹೂಡಿಕೆಗಳನ್ನು ಹುಡುಕುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ತವಾಗಿದೆ. ಉತ್ತಮ ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳ ಕಡಿಮೆ ಮೆಚುರಿಟಿ ಅವಧಿಯು ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳಿಗೆ ಪೂರೈಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆವಿಮೋಚನೆ ಸುಲಭವಾಗಿ ಹೂಡಿಕೆದಾರರ ಬೇಡಿಕೆ. ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ, ವಿವಿಧ ಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿ ಹೂಡಿಕೆಗಳು ಲಭ್ಯವಿದೆ.

ಮನಿ ಮಾರ್ಕೆಟ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಹಣದ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿನ ಭದ್ರತೆಗಳು ತುಲನಾತ್ಮಕವಾಗಿ ಕಡಿಮೆ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತವೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಎಲ್ಲಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಸುರಕ್ಷಿತ ಮತ್ತು ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಪರಿಗಣಿಸಿ, ಹಣದ ಮಾರುಕಟ್ಟೆ ಖಾತೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸುಲಭ.ಹೂಡಿಕೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಮೂಲಕ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ತಕ್ಕಂತೆ ಖಾತೆಯನ್ನು ತೆರೆಯಬಹುದು, ಠೇವಣಿ ಮತ್ತು ಹಿಂಪಡೆಯುವಿಕೆಗಳನ್ನು ಮಾಡಬಹುದು
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಎಲ್ಲಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಕಡಿಮೆ ಬಾಷ್ಪಶೀಲ ವಿಧಗಳಲ್ಲಿ ಒಂದೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳ ಕಾರ್ಯಕ್ಷಮತೆಯು ರಿಸರ್ವ್ ನಿಗದಿಪಡಿಸಿದ ಬಡ್ಡಿದರಗಳೊಂದಿಗೆ ನಿಕಟ ಸಂಬಂಧ ಹೊಂದಿದೆಬ್ಯಾಂಕ್ ಭಾರತದ, ದಿಸೆಂಟ್ರಲ್ ಬ್ಯಾಂಕ್ ಆಫ್ ಇಂಡಿಯಾ. ಆದ್ದರಿಂದ, ಆರ್‌ಬಿಐ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ದರಗಳನ್ನು ಹೆಚ್ಚಿಸಿದಾಗ, ಇಳುವರಿ ಹೆಚ್ಚಾಗುತ್ತದೆ ಮತ್ತು ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ.

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ಮನಿ ಮಾರ್ಕೆಟ್ ಫಂಡ್‌ಗಳು ಹೇಗೆ ಕೆಲಸ ಮಾಡುತ್ತವೆ?

ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಯು ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಒಂದು ಉದ್ದೇಶದೊಂದಿಗೆ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆನೀಡುತ್ತಿದೆ ಉತ್ತಮ ಆದಾಯ (ಬಡ್ಡಿಆದಾಯ) ಮತ್ತು ಇಟ್ಟುಕೊಳ್ಳುವುದುಅವು ಅಲ್ಲ ಏರಿಳಿತಗಳು ಕನಿಷ್ಠ.

ಹಣದ ಮಾರುಕಟ್ಟೆ ಉಪಕರಣಗಳ ವಿಧಗಳು

ಹಣದ ಮಾರುಕಟ್ಟೆಯು ನಗದು ಮತ್ತು ನಗದು-ಸಮಾನ ಸಾಧನಗಳ ವ್ಯಾಪಾರ ನಡೆಯುವ ವಿನಿಮಯವಾಗಿದೆ. ಹಣದ ಮಾರುಕಟ್ಟೆಗಳಲ್ಲಿ ವ್ಯಾಪಾರ ಮಾಡುವ ಉಪಕರಣಗಳು ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿದ್ದು ಅದು ರಾತ್ರಿಯಿಂದ ಒಂದು ವರ್ಷದವರೆಗೆ ಬದಲಾಗಬಹುದು. ಭಾರತದಲ್ಲಿ ಕೆಲವು ಪ್ರಮುಖ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳು ಇಲ್ಲಿವೆ:

1. ಖಜಾನೆ ಬಿಲ್‌ಗಳು ಅಥವಾ ಟಿ-ಬಿಲ್‌ಗಳು

ಭಾರತ ಸರ್ಕಾರವು 365 ದಿನಗಳವರೆಗೆ ಹಣವನ್ನು ಸಂಗ್ರಹಿಸಲು ಖಜಾನೆ ಬಿಲ್‌ಗಳನ್ನು ನೀಡುತ್ತದೆ. ಇವುಗಳು ಸರ್ಕಾರದಿಂದ ನೀಡಲ್ಪಟ್ಟಿರುವುದರಿಂದ, ಅವುಗಳನ್ನು ಅತ್ಯಂತ ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಕಡಿಮೆ ಅಪಾಯಗಳು ಕಡಿಮೆ ಆದಾಯಕ್ಕೆ ಅನುವಾದಿಸುತ್ತವೆ, ಇದು ಖಜಾನೆ ಬಿಲ್‌ಗಳಲ್ಲಿಯೂ ಸಹ ಇರುತ್ತದೆ. ಟಿ-ಬಿಲ್‌ಗಳ ಮೇಲಿನ ಆದಾಯವು ಇತರ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಿಗಿಂತ ಕಡಿಮೆಯಾಗಿದೆ.

2. ಠೇವಣಿ ಪ್ರಮಾಣಪತ್ರ ಅಥವಾ CD

CDಯು ಅವಧಿಗೆ ಮುನ್ನ ವಿಮೋಚನೆಯ ಆಯ್ಕೆಯನ್ನು ಹೊಂದಿರದ ಶೆಡ್ಯೂಲ್ಡ್ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕುಗಳಿಂದ ನೀಡಲಾಗುವ ಅವಧಿಯ ಠೇವಣಿಯಾಗಿದೆ. CD ಮತ್ತು ನಡುವಿನ ಪ್ರಾಥಮಿಕ ವ್ಯತ್ಯಾಸFD CD ಗಳು ಮುಕ್ತವಾಗಿ ನೆಗೋಬಲ್ ಆಗಿವೆ.

3. ಮರುಖರೀದಿ ಒಪ್ಪಂದಗಳು ಅಥವಾ ರೆಪೋಗಳು

ಅಲ್ಪಾವಧಿಯ ಸಾಲಗಳನ್ನು ಸುಲಭಗೊಳಿಸಲು ಬ್ಯಾಂಕ್ ಮತ್ತು RBI ನಡುವೆ ಮರುಖರೀದಿ ಒಪ್ಪಂದವನ್ನು ಮಾಡಲಾಗುತ್ತದೆ. ಇದನ್ನು ಎರಡು ಬ್ಯಾಂಕುಗಳ ನಡುವೆಯೂ ಮಾಡಬಹುದು.

4. ಕಮರ್ಷಿಯಲ್ ಪೇಪರ್ ಅಥವಾ ಸಿಪಿ

ಹೆಚ್ಚಿನ ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್ ಹೊಂದಿರುವ ಕಂಪನಿಗಳು ಮತ್ತು ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳು ಎವಾಣಿಜ್ಯ ಪತ್ರ ಇದು ಅಲ್ಪಾವಧಿಯ, ಅಸುರಕ್ಷಿತ ಪ್ರಾಮಿಸರಿ ನೋಟ್ ಆಗಿದೆ. ಇದು ಅಂತಹ ಘಟಕಗಳಿಗೆ ತಮ್ಮ ಅಲ್ಪಾವಧಿಯ ಎರವಲು ಮೂಲಗಳನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಅನುಮತಿಸುತ್ತದೆ. ರಿಡೆಂಪ್ಶನ್ ಮಾಡಿದಾಗ ಸಿಪಿಗಳನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ರಿಯಾಯಿತಿ ದರದಲ್ಲಿ ನೀಡಲಾಗುತ್ತದೆಮುಖ ಬೆಲೆ. ದಿಹೂಡಿಕೆದಾರ ವ್ಯತ್ಯಾಸವನ್ನು ಗಳಿಸುತ್ತದೆ.

ಟಾಪ್ 8 ಮನಿ ಮಾರ್ಕೆಟ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Money Market Fund Growth	₹3,225.3 ↑ 0.60	₹20,320	0.3	1.2	2.8	6.6	7.5	6.03%	7M	7M
ICICI Prudential Money Market Fund Growth	₹396.813 ↑ 0.07	₹32,236	0.3	1.2	2.8	6.6	7.4	6.77%	7M 21D	8M 9D
Franklin India Savings Fund Growth	₹52.4516 ↑ 0.01	₹4,352	0.3	1.2	2.8	6.6	7.4	6.4%	6M 11D	6M 23D
Tata Money Market Fund Growth	₹4,937.35 ↑ 0.96	₹33,999	0.4	1.3	2.8	6.6	7.4	6.64%	6D	6D
Kotak Money Market Scheme Growth	₹4,695.82 ↑ 0.84	₹33,661	0.4	1.3	2.8	6.6	7.4	6.84%	7M 24D	7M 24D
Nippon India Money Market Fund Growth	₹4,338.58 ↑ 0.78	₹21,876	0.3	1.2	2.7	6.6	7.4	6.89%	7M 21D	8M 8D
Bandhan Money Manager Fund Growth	₹42.1455 ↑ 0.01	₹14,805	0.4	1.3	2.8	6.6	7.3	6.63%	7M 19D	7M 20D
HDFC Money Market Fund Growth	₹5,975.62 ↑ 1.08	₹33,094	0.4	1.3	2.8	6.6	7.4	6.87%	6M 29D	7M 15D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Mar 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Money Market Fund	ICICI Prudential Money Market Fund	Franklin India Savings Fund	Tata Money Market Fund	Kotak Money Market Scheme	Nippon India Money Market Fund	Bandhan Money Manager Fund	HDFC Money Market Fund
Point 1	Lower mid AUM (₹20,320 Cr).	Upper mid AUM (₹32,236 Cr).	Bottom quartile AUM (₹4,352 Cr).	Highest AUM (₹33,999 Cr).	Top quartile AUM (₹33,661 Cr).	Lower mid AUM (₹21,876 Cr).	Bottom quartile AUM (₹14,805 Cr).	Upper mid AUM (₹33,094 Cr).
Point 2	Established history (16+ yrs).	Established history (20+ yrs).	Established history (24+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Top rated.	Rating: 4★ (top quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 6.63% (top quartile).	1Y return: 6.60% (top quartile).	1Y return: 6.58% (upper mid).	1Y return: 6.58% (upper mid).	1Y return: 6.58% (lower mid).	1Y return: 6.58% (lower mid).	1Y return: 6.56% (bottom quartile).	1Y return: 6.55% (bottom quartile).
Point 6	1M return: 0.34% (lower mid).	1M return: 0.32% (bottom quartile).	1M return: 0.33% (lower mid).	1M return: 0.35% (upper mid).	1M return: 0.36% (top quartile).	1M return: 0.33% (bottom quartile).	1M return: 0.36% (top quartile).	1M return: 0.35% (upper mid).
Point 7	Sharpe: 2.45 (upper mid).	Sharpe: 2.51 (top quartile).	Sharpe: 2.46 (upper mid).	Sharpe: 2.38 (lower mid).	Sharpe: 2.32 (bottom quartile).	Sharpe: 2.28 (bottom quartile).	Sharpe: 2.54 (top quartile).	Sharpe: 2.32 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower 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): 6.03% (bottom quartile).	Yield to maturity (debt): 6.77% (upper mid).	Yield to maturity (debt): 6.40% (bottom quartile).	Yield to maturity (debt): 6.64% (lower mid).	Yield to maturity (debt): 6.84% (upper mid).	Yield to maturity (debt): 6.89% (top quartile).	Yield to maturity (debt): 6.63% (lower mid).	Yield to maturity (debt): 6.87% (top quartile).
Point 10	Modified duration: 0.58 yrs (upper mid).	Modified duration: 0.64 yrs (bottom quartile).	Modified duration: 0.53 yrs (top quartile).	Modified duration: 0.02 yrs (top quartile).	Modified duration: 0.65 yrs (bottom quartile).	Modified duration: 0.64 yrs (lower mid).	Modified duration: 0.64 yrs (lower mid).	Modified duration: 0.58 yrs (upper mid).

UTI Money Market Fund

Lower mid AUM (₹20,320 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.63% (top quartile).
1M return: 0.34% (lower mid).
Sharpe: 2.45 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.58 yrs (upper mid).

ICICI Prudential Money Market Fund

Upper mid AUM (₹32,236 Cr).
Established history (20+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.60% (top quartile).
1M return: 0.32% (bottom quartile).
Sharpe: 2.51 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 0.64 yrs (bottom quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹4,352 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.58% (upper mid).
1M return: 0.33% (lower mid).
Sharpe: 2.46 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.40% (bottom quartile).
Modified duration: 0.53 yrs (top quartile).

Tata Money Market Fund

Highest AUM (₹33,999 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.58% (upper mid).
1M return: 0.35% (upper mid).
Sharpe: 2.38 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (lower mid).
Modified duration: 0.02 yrs (top quartile).

Kotak Money Market Scheme

Top quartile AUM (₹33,661 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.58% (lower mid).
1M return: 0.36% (top quartile).
Sharpe: 2.32 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.84% (upper mid).
Modified duration: 0.65 yrs (bottom quartile).

Nippon India Money Market Fund

Lower mid AUM (₹21,876 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.58% (lower mid).
1M return: 0.33% (bottom quartile).
Sharpe: 2.28 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.89% (top quartile).
Modified duration: 0.64 yrs (lower mid).

Bandhan Money Manager Fund

Bottom quartile AUM (₹14,805 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.56% (bottom quartile).
1M return: 0.36% (top quartile).
Sharpe: 2.54 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.63% (lower mid).
Modified duration: 0.64 yrs (lower mid).

HDFC Money Market Fund

Upper mid AUM (₹33,094 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.35% (upper mid).
Sharpe: 2.32 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (top quartile).
Modified duration: 0.58 yrs (upper mid).

1. 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

Lower mid AUM (₹20,320 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.63% (top quartile).
1M return: 0.34% (lower mid).
Sharpe: 2.45 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.03% (bottom quartile).
Modified duration: 0.58 yrs (upper mid).
Average maturity: 0.58 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding Canara Bank (~3.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (31 Mar 26)	₹3,225.3 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹20,320 on 28 Feb 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.45
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.03%
Effective Maturity	7 Months
Modified Duration	7 Months

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,390
31 Mar 23	₹10,983
31 Mar 24	₹11,818
31 Mar 25	₹12,737
31 Mar 26	₹13,581

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 31 Mar 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.8%
1 Year	6.6%
3 Year	7.3%
5 Year	6.3%
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
Anurag Mittal	1 Dec 21	4.25 Yr.
Amit Sharma	7 Jul 17	8.65 Yr.

Data below for UTI Money Market Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	67.87%
Debt	31.85%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	43.95%
Cash Equivalent	40.59%
Government	15.18%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	3%	₹688 Cr	7,000,000,000
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹499 Cr	5,000,000,000
Tbill Sovereign Bonds \| -	2%	₹492 Cr	5,000,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹421 Cr	4,500,000,000 ↑ 4,500,000,000
Union Bank of India Domestic Bonds \| -	2%	₹394 Cr	4,000,000,000
Indian Bank Domestic Bonds \| -	2%	₹376 Cr	4,000,000,000
Small Industries Development Bank of India Debentures \| -	2%	₹374 Cr	4,000,000,000 ↑ 4,000,000,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹347 Cr	3,500,000,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹346 Cr	3,500,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹329 Cr	3,500,000,000

2. ICICI Prudential Money Market Fund

The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

Research Highlights for ICICI Prudential Money Market Fund

Upper mid AUM (₹32,236 Cr).
Established history (20+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.60% (top quartile).
1M return: 0.32% (bottom quartile).
Sharpe: 2.51 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.77% (upper mid).
Modified duration: 0.64 yrs (bottom quartile).
Average maturity: 0.69 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding 19/03/2026 Maturing 182 DTB (~6.5%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (31 Mar 26)	₹396.813 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹32,236 on 15 Mar 26
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.51
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.77%
Effective Maturity	8 Months 9 Days
Modified Duration	7 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,381
31 Mar 23	₹10,958
31 Mar 24	₹11,789
31 Mar 25	₹12,702
31 Mar 26	₹13,540

ICICI Prudential Money Market Fund SIP Returns

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

Returns for ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.8%
1 Year	6.6%
3 Year	7.3%
5 Year	6.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	2.72 Yr.
Nikhil Kabra	3 Aug 16	9.58 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value
Cash	82.34%
Debt	17.41%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	48.41%
Cash Equivalent	42.98%
Government	8.36%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
19/03/2026 Maturing 182 DTB Sovereign Bonds \| -	6%	₹2,280 Cr	228,500,000 ↓ -5,000,000
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	3%	₹1,163 Cr	116,500,000
Bank of India Ltd. Debentures \| -	1%	₹469 Cr	10,000 ↑ 10,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹468 Cr	10,000 ↑ 10,000
Small Industries Development Bank of India Debentures \| -	1%	₹468 Cr	10,000 ↑ 10,000
HDFC Bank Ltd. Debentures \| -	1%	₹421 Cr	9,000 ↑ 9,000
Indian Bank Domestic Bonds \| -	1%	₹376 Cr	8,000
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹350 Cr	35,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹329 Cr	7,000
Canara Bank Domestic Bonds \| -	1%	₹295 Cr	6,000

3. Franklin India Savings Fund

(Erstwhile Franklin India Savings Plus Fund Retail Option)

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Research Highlights for Franklin India Savings Fund

Bottom quartile AUM (₹4,352 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.58% (upper mid).
1M return: 0.33% (lower mid).
Sharpe: 2.46 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.40% (bottom quartile).
Modified duration: 0.53 yrs (top quartile).
Average maturity: 0.56 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.5%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (31 Mar 26)	₹52.4516 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹4,352 on 28 Feb 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	2.46
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.4%
Effective Maturity	6 Months 23 Days
Modified Duration	6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,370
31 Mar 23	₹10,916
31 Mar 24	₹11,732
31 Mar 25	₹12,641
31 Mar 26	₹13,473

Franklin India Savings Fund SIP Returns

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

Returns for Franklin India Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.8%
1 Year	6.6%
3 Year	7.3%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.3%
2021	4.4%
2020	3.6%
2019	6%
2018	8.5%
2017	7.5%
2016	7.2%
2015	8.1%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.4 Yr.
Rohan Maru	10 Oct 24	1.39 Yr.
Chandni Gupta	30 Apr 24	1.83 Yr.

Data below for Franklin India Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	80.59%
Debt	19.17%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.2%
Corporate	40.29%
Government	16.27%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹285 Cr	30,000,000 ↑ 30,000,000
HDFC Bank Ltd. Debentures \| -	5%	₹234 Cr	5,000 ↑ 5,000
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹225 Cr	22,500,000
Small Industries Development Bank of India Debentures \| -	2%	₹108 Cr	2,300 ↑ 2,300
Punjab National Bank Domestic Bonds \| -	2%	₹100 Cr	2,000
Axis Bank Ltd. Debentures \| -	2%	₹95 Cr	2,000
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹75 Cr	1,500
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹61 Cr	1,300 ↑ 1,300
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹50 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹50 Cr	1,000

4. 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 (₹33,999 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.58% (upper mid).
1M return: 0.35% (upper mid).
Sharpe: 2.38 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (lower mid).
Modified duration: 0.02 yrs (top quartile).
Average maturity: 0.02 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding 02/04/2026 Maturing 364 DTB (~5.4%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (31 Mar 26)	₹4,937.35 ↑ 0.96 (0.02 %)
Net Assets (Cr)	₹33,999 on 15 Mar 26
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	2.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.64%
Effective Maturity	6 Days
Modified Duration	6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,401
31 Mar 23	₹10,979
31 Mar 24	₹11,815
31 Mar 25	₹12,727
31 Mar 26	₹13,564

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 31 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.6%
3 Year	7.3%
5 Year	6.3%
10 Year
15 Year
Since launch	6.7%

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
Amit Somani	16 Oct 13	12.38 Yr.

Data below for Tata Money Market Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value
Cash	79.02%
Debt	20.71%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	47.77%
Corporate	42.87%
Government	9.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
02/04/2026 Maturing 364 DTB Sovereign Bonds \| -	5%	₹1,991 Cr	200,000,000
Indian Bank Domestic Bonds \| -	3%	₹963 Cr	20,000
Indian Overseas Bank Debentures \| -	3%	₹935 Cr	20,000 ↑ 20,000
Small Industries Development Bank of India Debentures \| -	2%	₹654 Cr	14,000 ↑ 14,000
Indian Overseas Bank Debentures \| -	2%	₹654 Cr	14,000 ↑ 14,000
Tbill Sovereign Bonds \| -	2%	₹630 Cr	63,500,000
Canara Bank Domestic Bonds \| -	2%	₹616 Cr	13,000 ↑ 13,000
Axis Bank Ltd. Debentures \| -	2%	₹616 Cr	13,000 ↑ 13,000
Tbill Sovereign Bonds \| -	2%	₹586 Cr	59,000,000
Equitas Small Finance Bank Ltd. Debentures \| -	2%	₹557 Cr	12,000 ↑ 12,000

5. Kotak Money Market Scheme

(Erstwhile Kotak Floater Short Term Fund)

To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives.

Research Highlights for Kotak Money Market Scheme

Top quartile AUM (₹33,661 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.58% (lower mid).
1M return: 0.36% (top quartile).
Sharpe: 2.32 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.84% (upper mid).
Modified duration: 0.65 yrs (bottom quartile).
Average maturity: 0.65 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~68%).
High-quality debt (AAA/AA ~100%).
Largest holding 08/05/2026 Maturing 182 DTB (~2.2%).

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (31 Mar 26)	₹4,695.82 ↑ 0.84 (0.02 %)
Net Assets (Cr)	₹33,661 on 28 Feb 26
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	2.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.84%
Effective Maturity	7 Months 24 Days
Modified Duration	7 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,385
31 Mar 23	₹10,970
31 Mar 24	₹11,800
31 Mar 25	₹12,708
31 Mar 26	₹13,545

Kotak Money Market Scheme 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 Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.6%
3 Year	7.3%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.3%
2021	4.9%
2020	3.7%
2019	5.7%
2018	8%
2017	7.7%
2016	6.7%
2015	7.7%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	19.34 Yr.
Manu Sharma	1 Nov 22	3.33 Yr.

Data below for Kotak Money Market Scheme as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	67.71%
Debt	32.01%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	46.26%
Cash Equivalent	35.96%
Government	17.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹743 Cr	75,000,000 ↓ -15,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹733 Cr	75,000,000
India (Republic of) - \| -	2%	₹731 Cr	75,000,000 ↑ 75,000,000
Indusind Bank Ltd. Debentures \| -	2%	₹702 Cr	75,000
Indusind Bank Ltd. Debentures \| -	2%	₹688 Cr	70,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹667 Cr	67,500,000
Small Industries Development Bank of India Debentures \| -	2%	₹587 Cr	62,500
Canara Bank Domestic Bonds \| -	2%	₹564 Cr	60,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹562 Cr	60,000 ↑ 60,000
19/03/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹499 Cr	50,000,000 ↓ -10,000,000

6. 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 (₹21,876 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.58% (lower mid).
1M return: 0.33% (bottom quartile).
Sharpe: 2.28 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.89% (top quartile).
Modified duration: 0.64 yrs (lower mid).
Average maturity: 0.69 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd. (~2.4%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (31 Mar 26)	₹4,338.58 ↑ 0.78 (0.02 %)
Net Assets (Cr)	₹21,876 on 28 Feb 26
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.28
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.89%
Effective Maturity	8 Months 8 Days
Modified Duration	7 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,392
31 Mar 23	₹10,990
31 Mar 24	₹11,824
31 Mar 25	₹12,737
31 Mar 26	₹13,575

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 31 Mar 26

Duration	Returns
1 Month	0.3%
3 Month	1.2%
6 Month	2.7%
1 Year	6.6%
3 Year	7.3%
5 Year	6.3%
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
Kinjal Desai	16 Jul 18	7.63 Yr.
Vikash Agarwal	14 Sep 24	1.46 Yr.
Lokesh Maru	5 Sep 25	0.48 Yr.
Divya Sharma	5 Sep 25	0.48 Yr.

Data below for Nippon India Money Market Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	66.39%
Debt	33.34%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	50.97%
Cash Equivalent	35.05%
Government	13.71%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd. Debentures \| -	2%	₹521 Cr	11,000 ↑ 11,000
India (Republic of) - \| -	2%	₹487 Cr	50,000,000 ↑ 50,000,000
India (Republic of) - \| -	2%	₹487 Cr	50,000,000 ↑ 50,000,000
Canara Bank Domestic Bonds \| -	2%	₹470 Cr	10,000
Punjab National Bank Domestic Bonds \| -	2%	₹470 Cr	10,000
UCO Bank Domestic Bonds \| -	2%	₹468 Cr	10,000 ↑ 10,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹445 Cr	45,000,000
Small Industries Development Bank of India Debentures \| -	2%	₹421 Cr	9,000 ↑ 9,000
11/06/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹384 Cr	39,000,000 ↑ 39,000,000
IDFC First Bank Ltd. Debentures \| -	2%	₹375 Cr	8,000

7. Bandhan Money Manager Fund

(Erstwhile IDFC Money Manager Fund - Treasury Plan)

Seek to generate stable returns with a low risk strategy by creating a portfolio that is substantially invested in good quality floating rate debt or money market instruments, fixed rate debt or money market instruments swapped for floating returns and fixed rate debt and money market instruments. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Money Manager Fund

Bottom quartile AUM (₹14,805 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.56% (bottom quartile).
1M return: 0.36% (top quartile).
Sharpe: 2.54 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.63% (lower mid).
Modified duration: 0.64 yrs (lower mid).
Average maturity: 0.64 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~58%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.6%).

Below is the key information for Bandhan Money Manager Fund

Bandhan Money Manager Fund Growth
Launch Date	18 Feb 03
NAV (31 Mar 26)	₹42.1455 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹14,805 on 28 Feb 26
Category	Debt - Money Market
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.58
Sharpe Ratio	2.54
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	7 Months 20 Days
Modified Duration	7 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,309
31 Mar 23	₹10,806
31 Mar 24	₹11,546
31 Mar 25	₹12,398
31 Mar 26	₹13,211

Bandhan Money Manager Fund SIP Returns

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

Returns for Bandhan 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 31 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.6%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	6.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7.2%
2022	6.7%
2021	4%
2020	2.9%
2019	5%
2018	6.7%
2017	6.2%
2016	6%
2015	8.1%

Fund Manager information for Bandhan Money Manager Fund

Name	Since	Tenure
Gautam Kaul	1 Dec 21	4.25 Yr.
Brijesh Shah	12 Jul 21	4.64 Yr.

Data below for Bandhan Money Manager Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	57.73%
Debt	42.03%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	52.5%
Government	27.07%
Cash Equivalent	20.19%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹682 Cr	70,000,000 ↑ 70,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹468 Cr	50,000,000 ↑ 50,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	3%	₹444 Cr	47,500,000 ↑ 47,500,000
Tbill Sovereign Bonds \| -	3%	₹444 Cr	45,000,000
Axis Bank Ltd. Debentures \| -	3%	₹426 Cr	45,000,000
Punjab National Bank Domestic Bonds \| -	3%	₹376 Cr	40,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹375 Cr	40,000,000 ↑ 40,000,000
Small Industries Development Bank of India Debentures \| -	3%	₹374 Cr	40,000,000 ↑ 40,000,000
Indian Bank Domestic Bonds \| -	2%	₹329 Cr	35,000,000
Indian Bank Domestic Bonds \| -	2%	₹285 Cr	30,000,000 ↑ 30,000,000

8. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

Upper mid AUM (₹33,094 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.35% (upper mid).
Sharpe: 2.32 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (top quartile).
Modified duration: 0.58 yrs (upper mid).
Average maturity: 0.62 yrs (upper mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~71%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~2.8%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (31 Mar 26)	₹5,975.62 ↑ 1.08 (0.02 %)
Net Assets (Cr)	₹33,094 on 28 Feb 26
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	2.32
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	7 Months 15 Days
Modified Duration	6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,389
31 Mar 23	₹10,963
31 Mar 24	₹11,787
31 Mar 25	₹12,692
31 Mar 26	₹13,524

HDFC 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 HDFC 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 31 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.6%
3 Year	7.2%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.3%
2021	4.7%
2020	3.8%
2019	6.5%
2018	8.1%
2017	7.4%
2016	6.5%
2015	7.5%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	1.5 Yr.
Dhruv Muchhal	22 Jun 23	2.69 Yr.

Data below for HDFC Money Market Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	71.31%
Debt	28.41%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	45.88%
Cash Equivalent	41.68%
Government	12.16%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	3%	₹936 Cr	20,000
Indian Overseas Bank Debentures \| -	3%	₹936 Cr	20,000 ↑ 20,000
YES Bank Ltd. Debentures \| -	3%	₹934 Cr	20,000
Punjab & Sind Bank Debentures \| -	2%	₹607 Cr	13,000 ↑ 13,000
Union Bank of India Domestic Bonds \| -	2%	₹542 Cr	11,000
IDFC First Bank Ltd. Debentures \| -	1%	₹490 Cr	10,000
Bank Of Maharashtra Domestic Bonds \| -	1%	₹472 Cr	10,000
Canara Bank Domestic Bonds \| -	1%	₹470 Cr	10,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹469 Cr	10,000
Small Industries Development Bank of India Debentures \| -	1%	₹469 Cr	10,000

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