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SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಏಕೆ?
FY 22 - 23 ರಲ್ಲಿ 1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು
ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ SIP ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
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1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ 9 ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು 2022

Updated on April 27, 2025 , 120548 views

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.

SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಏಕೆ?

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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FY 22 - 23 ರಲ್ಲಿ 1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹541.858 ↑ 0.07	₹13,294	1,000	2.2	4.1	8	7.1	7.9	7.75%	6M 25D	7M 28D
ICICI Prudential Ultra Short Term Fund Growth	₹27.3779 ↑ 0.00	₹12,674	1,000	2.1	3.8	7.5	6.8	7.5	7.53%	5M 8D	7M 28D
Invesco India Ultra Short Term Fund Growth	₹2,667.65 ↑ 0.44	₹859	1,000	2.1	3.8	7.4	6.6	7.5	7.49%	6M 13D	7M 2D
Kotak Savings Fund Growth	₹42.4061 ↑ 0.01	₹11,873	1,000	2.1	3.7	7.4	6.6	7.2	7.32%	6M 4D	6M 14D
BOI AXA Liquid Fund Growth	₹2,974.49 ↑ 0.25	₹1,524	1,000	1.8	3.6	7.4	6.9	7.4	6.94%	2M 1D	2M 1D
Nippon India Ultra Short Duration Fund Growth	₹3,984.55 ↑ 0.60	₹6,498	100	2	3.7	7.4	6.6	7.2	7.73%	5M 4D	7M 1D
Indiabulls Liquid Fund Growth	₹2,498.35 ↑ 0.27	₹130	500	1.9	3.6	7.3	6.7	7.4	7.07%	2M 1D	2M 2D
UTI Ultra Short Term Fund Growth	₹4,193.2 ↑ 0.62	₹3,143	500	2	3.7	7.3	6.5	7.2	7.57%	5M 23D	6M 23D
DSP BlackRock Money Manager Fund Growth	₹3,370.3 ↑ 0.52	₹3,349	500	2.2	3.8	7.3	6.4	6.9	7.26%	5M 5D	5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 25

1. Aditya Birla Sun Life Savings Fund

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.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (29 Apr 25)	₹541.858 ↑ 0.07 (0.01 %)
Net Assets (Cr)	₹13,294 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.09
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	7 Months 28 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,634
31 Mar 22	₹11,077
31 Mar 23	₹11,676
31 Mar 24	₹12,543
31 Mar 25	₹13,517

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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 29 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2.2%
6 Month	4.1%
1 Year	8%
3 Year	7.1%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.79 Yr.
Kaustubh Gupta	15 Jul 11	13.72 Yr.
Monika Gandhi	22 Mar 21	4.03 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	39.41%
Debt	60.27%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	66.69%
Cash Equivalent	20.4%
Government	12.6%

Credit Quality

Rating	Value
AA	39.1%
AAA	60.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Company Limited Debentures \| -	4%	₹606 Cr	60,000
Nirma Limited Debentures \| -	3%	₹488 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹474 Cr	47,500,000
Small Industries Development Bank of India Debentures \| -	3%	₹424 Cr	9,000
Aditya BSL Liquid Dir Gr Investment Fund \| -	2%	₹351 Cr	8,342,533 ↑ 564,007
182 DTB 29082025 Sovereign Bonds \| -	2%	₹342 Cr	35,000,000 ↑ 35,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹308 Cr	30,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹304 Cr	30,000 ↑ 30,000
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹301 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹271 Cr	27,000

2. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (29 Apr 25)	₹27.3779 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹12,674 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.69
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	7.53%
Effective Maturity	7 Months 28 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,589
31 Mar 22	₹11,009
31 Mar 23	₹11,594
31 Mar 24	₹12,428
31 Mar 25	₹13,344

ICICI Prudential Ultra Short Term 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 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 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2.1%
6 Month	3.8%
1 Year	7.5%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%
2014	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.38 Yr.
Ritesh Lunawat	15 Jun 17	7.8 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	47.44%
Debt	52.28%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	56.44%
Cash Equivalent	23.12%
Government	20.17%

Credit Quality

Rating	Value
AA	21.29%
AAA	78.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹585 Cr	58,000,000
182 Days Tbill Sovereign Bonds \| -	4%	₹488 Cr	50,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹437 Cr	4,350
Bharti Telecom Limited Debentures \| -	2%	₹327 Cr	32,500 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹307 Cr	30,500
Small Industries Development Bank Of India Debentures \| -	2%	₹300 Cr	3,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹300 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹251 Cr	2,500
LIC Housing Finance Limited Debentures \| -	2%	₹226 Cr	2,250
Oberoi Realty Ltd. Debentures \| -	1%	₹201 Cr	20,000

3. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (29 Apr 25)	₹2,667.65 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹859 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	7 Months 2 Days
Modified Duration	6 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,449
31 Mar 22	₹10,784
31 Mar 23	₹11,305
31 Mar 24	₹12,113
31 Mar 25	₹12,995

Invesco India Ultra Short Term 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 Invesco India 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 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2.1%
6 Month	3.8%
1 Year	7.4%
3 Year	6.6%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%
2014	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.24 Yr.
Vikas Garg	27 Jul 21	3.68 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	37.55%
Debt	62.08%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	60.8%
Cash Equivalent	25.46%
Government	13.37%

Credit Quality

Rating	Value
AA	39.25%
AAA	60.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	8%	₹85 Cr	8,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹50 Cr	5,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹40 Cr	4,000,000
Export Import Bank Of India Debentures \| -	4%	₹40 Cr	4,000,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000

4. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (29 Apr 25)	₹42.4061 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹11,873 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	6 Months 14 Days
Modified Duration	6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,510
31 Mar 22	₹10,871
31 Mar 23	₹11,437
31 Mar 24	₹12,236
31 Mar 25	₹13,117

Kotak Savings 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 Kotak 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 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2.1%
6 Month	3.7%
1 Year	7.4%
3 Year	6.6%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%
2014	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	16.97 Yr.
Manu Sharma	1 Nov 22	2.42 Yr.

Data below for Kotak Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	65.31%
Debt	34.4%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.68%
Cash Equivalent	25.06%
Government	16.97%

Credit Quality

Rating	Value
AA	9.65%
AAA	90.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹498 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹478 Cr	47,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹462 Cr	46,000
Mankind Pharma Ltd Debentures \| -	2%	₹303 Cr	30,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹237 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹231 Cr	2,300
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
Bajaj Housing Finance Limited Debentures \| -	2%	₹216 Cr	2,150
08.49 Tn SDL 2026 Sovereign Bonds \| -	2%	₹204 Cr	20,080,000
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000

5. 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.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (29 Apr 25)	₹2,974.49 ↑ 0.25 (0.01 %)
Net Assets (Cr)	₹1,524 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	4.1
Information Ratio	-0.18
Alpha Ratio	-0.04
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,353
31 Mar 22	₹10,704
31 Mar 23	₹11,316
31 Mar 24	₹12,140
31 Mar 25	₹13,036

BOI AXA Liquid 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 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 29 Apr 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.62 Yr.

Data below for BOI AXA Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	76.56%
Corporate	21.91%
Government	1.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank 12-Jun-2025 # ** Certificate of Deposit \| -	7%	₹124 Cr	12,500,000 ↑ 5,000,000
Punjab National Bank Certificate of Deposit \| -	5%	₹99 Cr	10,000,000
91 Days Tbill Red 05-06-2025 Sovereign Bonds \| -	5%	₹93 Cr	9,382,500
HDFC Securities Limited Commercial Paper \| -	4%	₹75 Cr	7,500,000
91 Days Tbill Red 12-06-2025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
91 Days Tbill Red 08-05-2025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Bajaj Finance Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
91 DTB 30052025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Export-Import Bank Of India Commercial Paper \| -	3%	₹50 Cr	5,000,000

6. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash 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.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (29 Apr 25)	₹3,984.55 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹6,498 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.08
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	7 Months 1 Day
Modified Duration	5 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,494
31 Mar 22	₹11,303
31 Mar 23	₹11,890
31 Mar 24	₹12,714
31 Mar 25	₹13,630

Nippon India Ultra Short Duration 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2%
6 Month	3.7%
1 Year	7.4%
3 Year	6.6%
5 Year	6.6%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%
2014	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.51 Yr.
Kinjal Desai	25 May 18	6.86 Yr.
Akshay Sharma	1 Dec 22	2.33 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	53.07%
Debt	46.66%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	58.2%
Cash Equivalent	25.5%
Government	16.03%

Credit Quality

Rating	Value
AA	15.61%
AAA	84.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹311 Cr	3,100
182 Days Tbill Sovereign Bonds \| -	3%	₹244 Cr	25,000,000 ↑ 25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹243 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹200 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹195 Cr	20,000,000 ↑ 20,000,000
Indinfravit Trust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹184 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹167 Cr	16,500
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹126 Cr	12,500

7. Indiabulls Liquid Fund

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.

Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% .

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (29 Apr 25)	₹2,498.35 ↑ 0.27 (0.01 %)
Net Assets (Cr)	₹130 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.76
Information Ratio	-2.12
Alpha Ratio	-0.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,335
31 Mar 22	₹10,651
31 Mar 23	₹11,223
31 Mar 24	₹12,016
31 Mar 25	₹12,897

Indiabulls Liquid 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 Indiabulls 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 29 Apr 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.6%
1 Year	7.3%
3 Year	6.7%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	1.89 Yr.

Data below for Indiabulls Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.6%
Other	0.4%

Debt Sector Allocation

Sector	Value
Cash Equivalent	74.82%
Government	14.14%
Corporate	10.64%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Export-Import Bank Of India Commercial Paper \| -	11%	₹15 Cr	1,500,000
National Bank For Agriculture And Rural Development (10/06/2025) ** Commercial Paper \| -	10%	₹14 Cr	1,425,000 ↑ 1,425,000
Small Industries Development Bank Of India Debentures \| -	7%	₹10 Cr	1,000,000 ↓ -500,000
Bank Of Baroda Certificate of Deposit \| -	7%	₹10 Cr	1,000,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited) Commercial Paper \| -	7%	₹10 Cr	1,000,000
HDFC Securities Limited Commercial Paper \| -	7%	₹10 Cr	1,000,000
India (Republic of) - \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
India (Republic of) - \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
Axis Bank Limited Certificate of Deposit \| -	6%	₹9 Cr	900,000 ↓ -500,000
LIC Housing Finance Ltd Debentures \| -	6%	₹8 Cr	800,000 ↑ 500,000

8. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (29 Apr 25)	₹4,193.2 ↑ 0.62 (0.01 %)
Net Assets (Cr)	₹3,143 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,498
31 Mar 22	₹11,148
31 Mar 23	₹11,703
31 Mar 24	₹12,516
31 Mar 25	₹13,414

UTI Ultra Short Term 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 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 29 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	3.7%
1 Year	7.3%
3 Year	6.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%
2014	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.19 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	64.68%
Debt	35.1%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	49.45%
Cash Equivalent	37.98%
Government	12.34%

Credit Quality

Rating	Value
AA	18.56%
AAA	81.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	4%	₹146 Cr	1,500,000,000 ↑ 500,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹130 Cr	1,300 ↑ 500
Bajaj Housing Finance Limited Debentures \| -	3%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	3%	₹98 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	750,000,000
Small Industries Development Bank Of India Debentures \| -	1%	₹50 Cr	500
Export Import Bank Of India Debentures \| -	1%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

9. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (29 Apr 25)	₹3,370.3 ↑ 0.52 (0.02 %)
Net Assets (Cr)	₹3,349 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.58
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.26%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,414
31 Mar 22	₹10,733
31 Mar 23	₹11,251
31 Mar 24	₹12,023
31 Mar 25	₹12,882

DSP BlackRock 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 DSP BlackRock 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 29 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	2.2%
6 Month	3.8%
1 Year	7.3%
3 Year	6.4%
5 Year	5.2%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	6.7%
2021	4.1%
2020	2.9%
2019	4.7%
2018	7.3%
2017	5%
2016	6%
2015	7.5%
2014	7.9%

Fund Manager information for DSP BlackRock Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	3.84 Yr.
Shalini Vasanta	1 Jan 25	0.25 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	65.9%
Debt	33.74%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	50.14%
Cash Equivalent	32.8%
Government	16.7%

Credit Quality

Rating	Value
AA	5.09%
AAA	94.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	4%	₹158 Cr	1,500
364 DTB 06112025 Sovereign Bonds \| -	3%	₹97 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹79 Cr	750
Small Industries Development Bank Of India Debentures \| -	2%	₹79 Cr	750 ↑ 500
182 DTB 31072025 Sovereign Bonds \| -	2%	₹64 Cr	6,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹62 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹53 Cr	5,000
LIC Housing Finance Ltd Debentures \| -	1%	₹53 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹53 Cr	500 ↑ 250
Tata Capital Housing Finance Limited Debentures \| -	1%	₹52 Cr	500 ↑ 500

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ SIP ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

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FAQ ಗಳು

1. SIP ಗಳಲ್ಲಿ ಅಧಿಕಾರಾವಧಿಯ ಪ್ರಾಮುಖ್ಯತೆ ಏನು?

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.

2. ಒಂದು ವರ್ಷದ SIP ಗಳು ಉತ್ತಮವೇ?

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.

3. ನಾನು ಒಂದು ವರ್ಷದ SIP ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಉ: ನೀವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಹೊಸಬರಾಗಿದ್ದರೆ ಮತ್ತು ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದರೆ ಒಂದು ವರ್ಷದ SIP ಗಳು ಉಪಯುಕ್ತವಾಗಿವೆ.

4. ಒಂದು ವರ್ಷದ SIP ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಯೇ?

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.

5. ಎಲ್ಲಾ SIP ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಯೇ?

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.

6. ಎಲ್ಲಾ SIP ಗಳು ದೊಡ್ಡ ಕ್ಯಾಪ್ ಸ್ಟಾಕ್‌ಗಳನ್ನು ಒಳಗೊಂಡಿವೆಯೇ?

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.

7. SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಗರಿಷ್ಠ ಮತ್ತು ಕನಿಷ್ಠ ಮೊತ್ತವಿದೆಯೇ?

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.

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಖಾತರಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.