ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು? ಅವರನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದು ಹೇಗೆ? ಯೋಚಿಸುವಾಗ ಹೂಡಿಕೆದಾರರ ಮನಸ್ಸಿನಲ್ಲಿ ಉಂಟಾಗುವ ಕೆಲವು ಸಾಮಾನ್ಯ ಪ್ರಶ್ನೆಗಳು ಇವುಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳಲ್ಲಿ ಹೂಡಿಕೆ a ಮೂಲಕSIP ಅಥವಾ ವ್ಯವಸ್ಥಿತಹೂಡಿಕೆ ಯೋಜನೆ.
SIP ಹೂಡಿಕೆ ಅತ್ಯಂತ ಶಿಸ್ತುಬದ್ಧವಾಗಿದೆಹೂಡಿಕೆ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಆಯ್ಕೆಗಳುಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. ಇದಲ್ಲದೆ, SIP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ನಲ್ಲಿ ಹೂಡಿಕೆಯ ಕನಿಷ್ಠ ಮೊತ್ತವು INR 500 ಕ್ಕಿಂತ ಕಡಿಮೆಯಿರುತ್ತದೆ. ಇದು ಹೂಡಿಕೆಯನ್ನು ಮಾಡುತ್ತದೆಉನ್ನತ SIP ಹೆಚ್ಚು ಅನುಕೂಲಕರ ಯೋಜನೆಗಳು.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳಲ್ಲಿ SIP ಹೂಡಿಕೆಯು ಉಳಿತಾಯದ ಅಭ್ಯಾಸವನ್ನು ಬೆಳೆಸಲು ಅತ್ಯಂತ ಅನುಕೂಲಕರ ಮಾರ್ಗವಾಗಿದೆ. ತುಂಬಾ ಸಾಮಾನ್ಯವಾಗಿ ಯುವ ಪೀಳಿಗೆಯ ಗಳಿಸುವ ಜನರು ಹೆಚ್ಚು ಉಳಿಸುವುದಿಲ್ಲ. ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆಯನ್ನು ಹೊಂದಲು, ಪ್ರಾರಂಭದ ಮೊತ್ತವು ರೂ. 500 ಕ್ಕಿಂತ ಕಡಿಮೆ ಇರುವ ಕಾರಣದಿಂದ ಬೃಹತ್ ಮೊತ್ತದ ಹೂಡಿಕೆಯ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ ಮತ್ತು ಕೆಲವು ನಿಧಿಗಳು ಮಾಸಿಕ INR 100 ಕ್ಕೆ SIP ಅನ್ನು ಸಹ ನೀಡುತ್ತವೆ. ಚಿಕ್ಕ ವಯಸ್ಸಿನಿಂದಲೂ, ಒಬ್ಬರು ತಮ್ಮ ಉಳಿತಾಯವನ್ನು ಹೂಡಿಕೆಯ ರೂಪವಾಗಿ ಮಾಡುವ ಅಭ್ಯಾಸವನ್ನು ಪಡೆಯಬಹುದು. SIP, ಆ ಮೂಲಕ ಪ್ರತಿ ತಿಂಗಳು ಉಳಿಸಲು ನಿಗದಿತ ಮೊತ್ತವನ್ನು ನಿಗದಿಪಡಿಸುತ್ತದೆ. ಆದ್ದರಿಂದ ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆಗಳು ಸ್ಮಾರ್ಟ್ ಹೂಡಿಕೆಯ ಪ್ರಮುಖ ಸಾಧನಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ.
ನಿಮ್ಮ ತಯಾರಿಗಾಗಿ SIP ಸಹಾಯ ಮಾಡುತ್ತದೆಹಣಕಾಸಿನ ಗುರಿಗಳು ತೊಂದರೆ-ಮುಕ್ತ ರೀತಿಯಲ್ಲಿ. SIP ಹೊಂದುವುದು ಅತ್ಯಂತ ಅನುಕೂಲಕರವಾಗಿದೆ ಏಕೆಂದರೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಕಾಗದದ ಕೆಲಸವನ್ನು ಒಂದೇ ಬಾರಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ, ನಂತರ ಮಾಸಿಕ ಮೊತ್ತವನ್ನು ಡೆಬಿಟ್ ಮಾಡಲಾಗುತ್ತದೆಬ್ಯಾಂಕ್ ಮಧ್ಯಸ್ಥಿಕೆ ಇಲ್ಲದೆ ನೇರವಾಗಿ ಖಾತೆ. ಪರಿಣಾಮವಾಗಿ, SIP ಗಳಿಗೆ ಇತರ ಹೂಡಿಕೆಗಳು ಮತ್ತು ಉಳಿತಾಯ ಆಯ್ಕೆಗಳಿಗೆ ಅಗತ್ಯವಿರುವ ಪ್ರಯತ್ನಗಳ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ.
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Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 6.66% 1M 7D 1M 10D IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 ₹146 500 1.6 3.4 6.4 4.8 6.83% 2M 10D 2M 23D BOI AXA Liquid Fund Growth ₹3,183.19
↑ 1.19 ₹1,735 1,000 1.7 3.2 6.2 7 6.6 6.11% 1M 10D 1M 10D Tata Liquid Fund Growth ₹4,351.49
↑ 1.50 ₹27,400 500 1.7 3.2 6.1 6.9 6.5 7.58% 1M 29D 1Y 11M 16D Indiabulls Liquid Fund Growth ₹2,672.06
↑ 1.00 ₹271 500 1.7 3.2 6.1 6.9 6.6 6.13% 1M 1D 1M 1D Nippon India Liquid Fund Growth ₹6,742.38
↑ 2.63 ₹37,903 100 1.7 3.2 6.1 6.9 6.5 7.72% 2M 1D 2M 6D LIC MF Liquid Fund Growth ₹4,993.6
↑ 1.66 ₹15,638 1,000 1.7 3.2 6.1 6.9 6.4 6.03% 1M 4D 1M 4D ICICI Prudential Liquid Fund Growth ₹408.864
↑ 0.16 ₹54,639 99 1.7 3.2 6.1 6.9 6.5 7.72% 1M 25D 2M 1D Aditya Birla Sun Life Savings Fund Growth ₹580.777
↑ 0.65 ₹19,985 1,000 1.6 2.9 6.1 7.2 7.4 7.45% 5M 26D 7M 2D 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 9 Funds showcased
Commentary IDBI Liquid Fund IDBI Ultra Short Term Fund BOI AXA Liquid Fund Tata Liquid Fund Indiabulls Liquid Fund Nippon India Liquid Fund LIC MF Liquid Fund ICICI Prudential Liquid Fund Aditya Birla Sun Life Savings Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹146 Cr). Lower mid AUM (₹1,735 Cr). Upper mid AUM (₹27,400 Cr). Bottom quartile AUM (₹271 Cr). Top quartile AUM (₹37,903 Cr). Lower mid AUM (₹15,638 Cr). Highest AUM (₹54,639 Cr). Upper mid AUM (₹19,985 Cr). Point 2 Established history (15+ yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (14+ yrs). Established history (22+ yrs). Oldest track record among peers (24 yrs). Established history (20+ yrs). Established history (23+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (lower mid). Rating: 5★ (top quartile). Point 4 Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.19% (upper mid). 1Y return: 6.14% (upper mid). 1Y return: 6.13% (lower mid). 1Y return: 6.13% (lower mid). 1Y return: 6.11% (bottom quartile). 1Y return: 6.10% (bottom quartile). 1Y return: 6.09% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.52% (bottom quartile). 1M return: 0.54% (upper mid). 1M return: 0.55% (upper mid). 1M return: 0.55% (top quartile). 1M return: 0.54% (lower mid). 1M return: 0.53% (bottom quartile). 1M return: 0.54% (lower mid). 1M return: 0.56% (top quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 2.76 (top quartile). Sharpe: 2.34 (top quartile). Sharpe: 2.23 (upper mid). Sharpe: 2.07 (lower mid). Sharpe: 1.96 (lower mid). Sharpe: 2.10 (upper mid). Sharpe: 1.75 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 2.00 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.33 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.33 (upper mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 6.83% (lower mid). Yield to maturity (debt): 6.11% (bottom quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 6.13% (bottom quartile). Yield to maturity (debt): 7.72% (top quartile). Yield to maturity (debt): 6.03% (bottom quartile). Yield to maturity (debt): 7.72% (top quartile). Yield to maturity (debt): 7.45% (upper mid). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.49 yrs (bottom quartile). IDBI Liquid Fund
IDBI Ultra Short Term Fund
BOI AXA Liquid Fund
Tata Liquid Fund
Indiabulls Liquid Fund
Nippon India Liquid Fund
LIC MF Liquid Fund
ICICI Prudential Liquid Fund
Aditya Birla Sun Life Savings 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. Below is the key information for IDBI Liquid Fund Returns up to 1 year are on 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 Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on 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 Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on (Erstwhile TATA Money Market Fund ) To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Research Highlights for Tata Liquid Fund Below is the key information for Tata Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury Plan) 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 Liquid Fund Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. Research Highlights for LIC MF Liquid Fund Below is the key information for LIC MF Liquid Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Liquid Plan) 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 Liquid Fund Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Research Highlights for Aditya Birla Sun Life Savings Fund Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on 1. IDBI Liquid Fund
IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (28 Jul 23) ₹2,454.04 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹503 on 30 Jun 23 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.2 Information Ratio -5.96 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,353 31 May 23 ₹10,999 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.6% 3 Year 4.5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Data below for IDBI Liquid Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. IDBI Ultra Short Term Fund
IDBI Ultra Short Term Fund
Growth Launch Date 3 Sep 10 NAV (28 Jul 23) ₹2,424.68 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹146 on 30 Jun 23 Category Debt - Ultrashort Bond AMC IDBI Asset Management Limited Rating ☆ Risk Moderately Low Expense Ratio 0.6 Sharpe Ratio -0.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.83% Effective Maturity 2 Months 23 Days Modified Duration 2 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,382 31 May 23 ₹11,017 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 4.8% 5 Year 5.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for IDBI Ultra Short Term Fund
Name Since Tenure Data below for IDBI Ultra Short Term Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (09 Jun 26) ₹3,183.19 ↑ 1.19 (0.04 %) Net Assets (Cr) ₹1,735 on 30 Apr 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 2.76 Information Ratio 2 Alpha Ratio 0.08 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.11% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,350 31 May 23 ₹11,001 31 May 24 ₹11,808 31 May 25 ₹12,671 31 May 26 ₹13,455 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.2% 1 Year 6.2% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Mithraem Bharucha 17 Aug 21 4.79 Yr. Data below for BOI AXA Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.69% Other 0.31% Debt Sector Allocation
Sector Value Cash Equivalent 62.15% Corporate 24.86% Government 12.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -6% ₹100 Cr 10,000,000 Export-Import Bank Of India
Certificate of Deposit | -4% ₹75 Cr 7,500,000 Indian Bank
Certificate of Deposit | -4% ₹75 Cr 7,500,000 Punjab National Bank
Certificate of Deposit | -4% ₹75 Cr 7,500,000 Godrej Consumer Products Limited
Commercial Paper | -4% ₹75 Cr 7,500,000 Tbill
Sovereign Bonds | -4% ₹75 Cr 7,500,000 Reliance Industries Limited
Commercial Paper | -4% ₹75 Cr 7,500,000
↑ 7,500,000 Tbill
Sovereign Bonds | -4% ₹74 Cr 7,500,000 Union Bank Of India
Certificate of Deposit | -4% ₹71 Cr 7,100,000 Tbill
Sovereign Bonds | -3% ₹50 Cr 5,000,000 4. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (09 Jun 26) ₹4,351.49 ↑ 1.50 (0.03 %) Net Assets (Cr) ₹27,400 on 30 Apr 26 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 2.34 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.58% Effective Maturity 1 Year 11 Months 16 Days Modified Duration 1 Month 29 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,342 31 May 23 ₹10,979 31 May 24 ₹11,772 31 May 25 ₹12,623 31 May 26 ₹13,398 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.2% 1 Year 6.1% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.6% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for Tata Liquid Fund
Name Since Tenure Amit Somani 16 Oct 13 12.63 Yr. Harsh Dave 1 Aug 24 1.83 Yr. Data below for Tata Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 75.37% Corporate 15.59% Government 8.79% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Retail Ventures Limited
Commercial Paper | -4% ₹1,244 Cr 25,000 Tbill
Sovereign Bonds | -4% ₹1,088 Cr 110,000,000
↑ 110,000,000 Bajaj Finance Ltd.
Commercial Paper | -4% ₹997 Cr 20,000 Small Industries Development Bank Of India
Commercial Paper | -4% ₹990 Cr 20,000 Bajaj Finance Limited
Commercial Paper | -4% ₹989 Cr 20,000 Tbill
Sovereign Bonds | -3% ₹896 Cr 90,000,000 Bank of Baroda
Debentures | -3% ₹895 Cr 18,000 Union Bank of India
Debentures | -3% ₹895 Cr 18,000
↑ 18,000 India (Republic of)
- | -3% ₹818 Cr 82,000,000
↓ -28,000,000 23/07/2026 Maturing 182 DTB
Sovereign Bonds | -3% ₹812 Cr 82,000,000
↑ 76,000,000 5. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (09 Jun 26) ₹2,672.06 ↑ 1.00 (0.04 %) Net Assets (Cr) ₹271 on 30 Apr 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 2.23 Information Ratio 0.33 Alpha Ratio -0.02 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.13% Effective Maturity 1 Month 1 Day Modified Duration 1 Month 1 Day Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,317 31 May 23 ₹10,925 31 May 24 ₹11,715 31 May 25 ₹12,565 31 May 26 ₹13,340 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.2% 1 Year 6.1% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 6.8% 2021 4.6% 2020 3.1% 2019 3.9% 2018 6.6% 2017 7.3% 2016 6.7% 2015 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 3.06 Yr. Wilfred Gonsalves 4 May 26 0.08 Yr. Data below for Indiabulls Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.74% Debt 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 81.37% Corporate 18.63% Credit Quality
Rating Value AAA 89.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo 18-May-26
CBLO/Reverse Repo | -21% ₹56 Cr Reliance Retail Ventures Limited
Commercial Paper | -9% ₹25 Cr 2,500,000 HDFC Bank Limited
Certificate of Deposit | -9% ₹25 Cr 2,500,000 Canara Bank
Domestic Bonds | -9% ₹25 Cr 2,500,000
↑ 2,500,000 L&T Finance Limited
Commercial Paper | -9% ₹24 Cr 2,400,000 ICICI Securities Limited
Commercial Paper | -6% ₹15 Cr 1,500,000 Union Bank Of India
Certificate of Deposit | -6% ₹15 Cr 1,500,000 National Bank for Agriculture and Rural Development
Commercial Paper | -6% ₹15 Cr 1,500,000 Sundaram Finance Limited
Debentures | -4% ₹10 Cr 1,000,000 Power Finance Corporation Limited
Debentures | -4% ₹10 Cr 1,000,000 6. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (09 Jun 26) ₹6,742.38 ↑ 2.63 (0.04 %) Net Assets (Cr) ₹37,903 on 30 Apr 26 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.07 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.72% Effective Maturity 2 Months 6 Days Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,340 31 May 23 ₹10,981 31 May 24 ₹11,775 31 May 25 ₹12,623 31 May 26 ₹13,396 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.2% 1 Year 6.1% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 8.02 Yr. Vikash Agarwal 14 Sep 24 1.71 Yr. Amber Singhania 11 Mar 26 0.22 Yr. Data below for Nippon India Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.74% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 79.54% Corporate 14.46% Government 5.75% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -4% ₹1,365 Cr Tbill
Sovereign Bonds | -3% ₹1,256 Cr 125,665,500 India (Republic of)
- | -3% ₹980 Cr 99,000,000
↓ -17,500,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹745 Cr 15,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹743 Cr 15,000 Ntpc Ltd
Commercial Paper | -2% ₹741 Cr 15,000 IDBI Bank Ltd
Domestic Bonds | -2% ₹737 Cr 15,000
↑ 15,000 Small Industries Dev Bank Of India
Commercial Paper | -2% ₹695 Cr 14,000 23/07/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹673 Cr 68,000,000
↑ 67,000,000 Union Bank of India
Debentures | -2% ₹596 Cr 12,000
↑ 12,000 7. LIC MF Liquid Fund
LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (09 Jun 26) ₹4,993.6 ↑ 1.66 (0.03 %) Net Assets (Cr) ₹15,638 on 30 Apr 26 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 1.96 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.03% Effective Maturity 1 Month 4 Days Modified Duration 1 Month 4 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,340 31 May 23 ₹10,976 31 May 24 ₹11,773 31 May 25 ₹12,619 31 May 26 ₹13,390 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.2% 1 Year 6.1% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.4% 2023 7.4% 2022 7% 2021 4.7% 2020 3.3% 2019 4.3% 2018 6.5% 2017 7.3% 2016 6.6% 2015 7.6% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 10.66 Yr. Aakash Dhulia 1 Sep 25 0.75 Yr. Data below for LIC MF Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.82% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 64.81% Corporate 23.97% Government 11.04% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -4% ₹779 Cr Indian Oil Corp Ltd.
Commercial Paper | -3% ₹597 Cr 12,000
↑ 12,000 India (Republic of)
- | -3% ₹592 Cr 60,000,000
↑ 60,000,000 Canara Bank
Certificate of Deposit | -3% ₹499 Cr 10,000 Canara Bank
Certificate of Deposit | -3% ₹496 Cr 10,000
↑ 10,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹398 Cr 8,000 Motilal Oswal Financial Services Ltd
Commercial Paper | -2% ₹397 Cr 8,000 Net Receivables / (Payables)
Net Current Assets | -2% -₹390 Cr Treps
CBLO/Reverse Repo | -2% ₹381 Cr India (Republic of)
- | -2% ₹373 Cr 37,500,000 8. ICICI Prudential Liquid Fund
ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (09 Jun 26) ₹408.864 ↑ 0.16 (0.04 %) Net Assets (Cr) ₹54,639 on 30 Apr 26 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 2.1 Information Ratio 0.33 Alpha Ratio -0.05 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 7.72% Effective Maturity 2 Months 1 Day Modified Duration 1 Month 25 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,341 31 May 23 ₹10,981 31 May 24 ₹11,777 31 May 25 ₹12,628 31 May 26 ₹13,396 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.2% 1 Year 6.1% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.4% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.6% 2017 7.4% 2016 6.6% 2015 7.7% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 2.5 Yr. Darshil Dedhia 12 Jun 23 2.97 Yr. Data below for ICICI Prudential Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.74% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 78.37% Corporate 11.06% Government 10.31% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -9% ₹5,229 Cr India (Republic of)
- | -8% ₹4,478 Cr 450,000,000 Tbill
Sovereign Bonds | -5% ₹2,575 Cr 259,500,000 Citi Bank **
Net Current Assets | -4% ₹1,987 Cr 40,000 Union Bank of India
Debentures | -3% ₹1,492 Cr 30,000
↑ 30,000 Tata Steel Ltd.
Commercial Paper | -3% ₹1,448 Cr 29,000 Small Industries Dev Bank Of India
Commercial Paper | -2% ₹1,249 Cr 25,000 Bank of India Ltd.
Debentures | -2% ₹1,093 Cr 22,000 Reverse Repo (5/18/2026)
CBLO/Reverse Repo | -2% ₹1,000 Cr National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹991 Cr 20,000 9. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (09 Jun 26) ₹580.777 ↑ 0.65 (0.11 %) Net Assets (Cr) ₹19,985 on 30 Apr 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 1.75 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,375 31 May 23 ₹11,037 31 May 24 ₹11,857 31 May 25 ₹12,812 31 May 26 ₹13,570 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 2.9% 1 Year 6.1% 3 Year 7.2% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.96 Yr. Kaustubh Gupta 15 Jul 11 14.89 Yr. Monika Gandhi 22 Mar 21 5.2 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 28.11% Debt 71.56% Other 0.33% Debt Sector Allocation
Sector Value Corporate 70.53% Government 19.93% Cash Equivalent 9.22% Credit Quality
Rating Value AA 32.23% AAA 67.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹982 Cr 100,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -4% ₹743 Cr 15,800 Shriram Finance Limited
Debentures | -3% ₹607 Cr 60,000 HDFC Bank Ltd.
Debentures | -3% ₹537 Cr 11,000 Bharti Telecom Limited
Debentures | -2% ₹395 Cr 40,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹388 Cr 39,000 Muthoot Finance Limited
Debentures | -2% ₹348 Cr 35,000 Vedanta Limited
Debentures | -2% ₹326 Cr 32,500 Mankind Pharma Limited
Debentures | -2% ₹321 Cr 32,000 Avanse Financial Services Limited
Debentures | -1% ₹300 Cr 30,000
Fincash.com ನಲ್ಲಿ ಜೀವಮಾನಕ್ಕಾಗಿ ಉಚಿತ ಹೂಡಿಕೆ ಖಾತೆಯನ್ನು ತೆರೆಯಿರಿ.
ನಿಮ್ಮ ನೋಂದಣಿ ಮತ್ತು KYC ಪ್ರಕ್ರಿಯೆಯನ್ನು ಪೂರ್ಣಗೊಳಿಸಿ
ದಾಖಲೆಗಳನ್ನು ಅಪ್ಲೋಡ್ ಮಾಡಿ (PAN, ಆಧಾರ್, ಇತ್ಯಾದಿ).ಮತ್ತು, ನೀವು ಹೂಡಿಕೆ ಮಾಡಲು ಸಿದ್ಧರಿದ್ದೀರಿ!
ಉ: ನೀವು SIP ಗಳನ್ನು ಆಯ್ಕೆಮಾಡುವಾಗ, ನೀವು ಪರಿಗಣಿಸಬೇಕಾದ ಮೊದಲ ವಿಷಯವೆಂದರೆ ಅಧಿಕಾರಾವಧಿ. ಅವಧಿಯನ್ನು ಪರಿಶೀಲಿಸುವುದು ಮತ್ತು ನಂತರ ಹೂಡಿಕೆ ಮಾಡುವುದು ಒಳ್ಳೆಯದು ಏಕೆಂದರೆ ನೀವು ಅವಧಿಯನ್ನು ಪೂರ್ಣಗೊಳಿಸುವ ಮೊದಲು ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಮುಚ್ಚಬಾರದು. ನೀವು ಹಾಗೆ ಮಾಡಿದರೆ, ನೀವು ನಿರ್ಗಮನ ಲೋಡ್ ರೂಪದಲ್ಲಿ ದಂಡವನ್ನು ಪಾವತಿಸಬೇಕಾಗಬಹುದು.
ಉ: ಹೌದು, ಒಂದು ವರ್ಷದ SIP ಗಳು ಒಳ್ಳೆಯದು, ವಿಶೇಷವಾಗಿ ನೀವು ತ್ವರಿತ ಆದಾಯವನ್ನು ಹುಡುಕುತ್ತಿದ್ದರೆ. ಸಾಮಾನ್ಯವಾಗಿ, ಒಂದು ವರ್ಷದ SIP ಗಳ ಸಹಾಯದಿಂದ, ನಿಮ್ಮ ಫಂಡ್ ಪೋರ್ಟ್ಫೋಲಿಯೊವನ್ನು ಅವಲಂಬಿಸಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ 4.2% ರಿಂದ 6.2% ವರೆಗಿನ ROI ಗಳನ್ನು ನೀವು ನಿರೀಕ್ಷಿಸಬಹುದು.
ಉ: ನೀವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಹೊಸಬರಾಗಿದ್ದರೆ ಮತ್ತು ಹೂಡಿಕೆ ಪೋರ್ಟ್ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದರೆ ಒಂದು ವರ್ಷದ SIP ಗಳು ಉಪಯುಕ್ತವಾಗಿವೆ.
ಉ: ಒಂದು ವರ್ಷದ SIP ಗಳು ಯುವ ಹೂಡಿಕೆದಾರರಲ್ಲಿ ಜನಪ್ರಿಯತೆಯನ್ನು ಗಳಿಸುತ್ತಿವೆ ಏಕೆಂದರೆ ಇವುಗಳು ಉತ್ತಮ ಮತ್ತು ತ್ವರಿತ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳಲು ಬಯಸಿದರೆಮಾರುಕಟ್ಟೆ, ನಂತರ ಒಂದು ವರ್ಷದ SIP ಗಳು ಒಳ್ಳೆಯದು.
ಉ: ನಿಮ್ಮ ಹೂಡಿಕೆ ಪೋರ್ಟ್ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು SIP ಗಳು ಉತ್ತಮ ಮಾರ್ಗಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ ಮತ್ತು ಉತ್ತಮ ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸಲು ಹೆಸರುವಾಸಿಯಾಗಿದೆ. ನೀವು ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಹಣವನ್ನು ಮತ್ತು ಮೊತ್ತವನ್ನು ಆಯ್ಕೆ ಮಾಡಲು ಇದು ನಿಮ್ಮನ್ನು ಅನುಮತಿಸುತ್ತದೆ. ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಸಣ್ಣ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ನಿಮಗೆ ಅವಕಾಶವಿದೆ.
ಉ: ಪ್ರಕಾರSEBI ಕಡ್ಡಾಯವಾಗಿ, SIP ಹೂಡಿಕೆದಾರರು ಹೂಡಿಕೆದಾರರು ಮತ್ತು ಕಂಪನಿಗಳನ್ನು ರಕ್ಷಿಸಲು 70:20:10 ಪ್ರೋಟೋಕಾಲ್ ಅನ್ನು ಅನುಸರಿಸಬೇಕು. ಈ ನಿಯಮದ ಪ್ರಕಾರ, ಈಕ್ವಿಟಿ ಹೂಡಿಕೆಯ 70% ದೊಡ್ಡ ಕ್ಯಾಪ್ ಷೇರುಗಳಲ್ಲಿ, 20% ರಲ್ಲಿಮಿಡ್ ಕ್ಯಾಪ್ ಷೇರುಗಳು, ಮತ್ತು 10% ರಲ್ಲಿಸಣ್ಣ ಕ್ಯಾಪ್ ಷೇರುಗಳು. ಆದ್ದರಿಂದ SIP ಗಳು ಹೂಡಿಕೆಗಳನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸುತ್ತವೆ ಮತ್ತು ಎಲ್ಲವೂ ಕೇವಲ ದೊಡ್ಡ ಕ್ಯಾಪ್ ಸ್ಟಾಕ್ಗಳಲ್ಲಿ ಕೇಂದ್ರೀಕೃತವಾಗಿರುವುದಿಲ್ಲ.
ಉ: ನೀವು SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಕನಿಷ್ಠ ಮೊತ್ತವು ರೂ.500 ಆಗಿದೆ. ಆದಾಗ್ಯೂ, SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯಿಲ್ಲ. ನಿಮ್ಮ ಫಂಡ್ ಮ್ಯಾನೇಜರ್ನೊಂದಿಗೆ ನೀವು ಇದನ್ನು ಯೋಜಿಸಬಹುದು.
Research Highlights for IDBI Liquid Fund