SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ -- ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಕ್ಯಾಲ್ಕುಲೇಟರ್

Updated on March 29, 2026 , 38496 views

SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಎನ್ನುವುದು ವ್ಯಕ್ತಿಗಳಿಗೆ ತಮ್ಮ SWP ಹೂಡಿಕೆಯು ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ ಹೇಗೆ ಇರುತ್ತದೆ ಎಂಬುದನ್ನು ಲೆಕ್ಕಾಚಾರ ಮಾಡಲು ಸಹಾಯ ಮಾಡುವ ಸಾಧನವಾಗಿದೆ. SWP ಅಥವಾ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಯುನಿಟ್‌ಗಳನ್ನು ರಿಡೀಮ್ ಮಾಡುವ ಅಥವಾ ಹೂಡಿಕೆ ಮಾಡುವ ತಂತ್ರವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ತಮ್ಮ ಹಣವನ್ನು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ ಮತ್ತು ನಂತರ ನಿರ್ದಿಷ್ಟ ಅವಧಿಯ ಮೇಲೆ ತಮ್ಮ ಹೂಡಿಕೆಗಳನ್ನು ಹಿಂತೆಗೆದುಕೊಳ್ಳುತ್ತಾರೆ. ಸ್ಥಿರವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ SWP ಸಾಮಾನ್ಯವಾಗಿ ಸೂಕ್ತವಾಗಿದೆಆದಾಯ ನಿಯಮಿತ ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ. ಲೇಖನವು ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವಿಕೆಯ ಯೋಜನೆ, SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಹೇಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ ಮತ್ತು ಇತರ ಸಂಬಂಧಿತ ನಿಯತಾಂಕಗಳ ಪರಿಕಲ್ಪನೆಯ ಸಮಗ್ರ ತಿಳುವಳಿಕೆಯನ್ನು ನೀಡುತ್ತದೆ.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನಲ್ಲಿ SWP ಎಂದರೆ ಏನು?

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಅಥವಾ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಯ ಘಟಕಗಳನ್ನು ಪುನಃ ಪಡೆದುಕೊಳ್ಳುವ ವ್ಯವಸ್ಥಿತ ಮತ್ತು ಯೋಜಿತ ಪ್ರಕ್ರಿಯೆಯನ್ನು ಸೂಚಿಸುತ್ತದೆ. SWP ಯ ಪರಿಕಲ್ಪನೆಯು ಹಿಮ್ಮುಖ ರೀತಿಯಲ್ಲಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆSIP. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ ಒಂದು ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ, ಅದು ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಅಪಾಯ-ಹಸಿವನ್ನು ಹೊಂದಿರುತ್ತದೆ.ದ್ರವ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಟ್ರಾಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು. ವ್ಯಕ್ತಿಗಳು ನಂತರ ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಮೊತ್ತವನ್ನು ಹಿಂಪಡೆಯಲು ಪ್ರಾರಂಭಿಸುತ್ತಾರೆ. ವ್ಯಕ್ತಿಗಳು ತಮ್ಮ ಅಗತ್ಯತೆಗಳ ಆಧಾರದ ಮೇಲೆ ಮಾಸಿಕ, ತ್ರೈಮಾಸಿಕ, ವಾರ್ಷಿಕ, ಮತ್ತು ಮುಂತಾದವುಗಳ ವಾಪಸಾತಿ ಆವರ್ತನವನ್ನು ಗ್ರಾಹಕೀಯಗೊಳಿಸಬಹುದು. ಈ ಸಂದರ್ಭದಲ್ಲಿ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಹಣವು ವ್ಯಕ್ತಿಗಳಿಗೆ ಆದಾಯವನ್ನು ಸಹ ಪಡೆಯುತ್ತದೆ. ನಿಯಮಿತ ಆದಾಯದ ಮೂಲವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳು, ವಿಶೇಷವಾಗಿ ನಿವೃತ್ತರು, ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ಆಯ್ಕೆ ಮಾಡಿಕೊಳ್ಳಬಹುದುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ.

SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್

ನಿರ್ದಿಷ್ಟ ಅವಧಿಯಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಯಲ್ಲಿ ತಮ್ಮ ಹಿಂಪಡೆಯುವಿಕೆಯನ್ನು ಅಂದಾಜು ಮಾಡಲು SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಹಾಯ ಮಾಡುತ್ತದೆ. SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್‌ನಲ್ಲಿ ನಮೂದಿಸಬೇಕಾದ ಇನ್‌ಪುಟ್ ಡೇಟಾ ಒಳಗೊಂಡಿದೆ:

SWP/ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಮೊತ್ತ - ಇದು ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ನೀವು ಹಿಂಪಡೆಯಲು ಯೋಜಿಸುತ್ತಿರುವ ಸ್ಥಿರ ಹಿಂಪಡೆಯುವ ಮೊತ್ತವನ್ನು ಸೂಚಿಸುತ್ತದೆ.
ಆರಂಭಿಕ ಹೂಡಿಕೆ - ಆರಂಭಿಕ ಹೂಡಿಕೆಯು ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಒಟ್ಟು ಮೊತ್ತವನ್ನು ಸೂಚಿಸುತ್ತದೆ.
ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಆವರ್ತನ - ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಆವರ್ತನ, ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಹಿಂಪಡೆಯಲು ನೀವು ಬಯಸುವ ಸಮಯದ ಚೌಕಟ್ಟನ್ನು ಸೂಚಿಸುತ್ತದೆ. ಇದು ಮಾಸಿಕ, ಸಾಪ್ತಾಹಿಕ ಅಥವಾ ತ್ರೈಮಾಸಿಕವಾಗಿರಬಹುದು. ಸಾಮಾನ್ಯವಾಗಿ ಮಾಸಿಕ ಲೆಕ್ಕಾಚಾರಗಳನ್ನು ಮಾಡಲಾಗುತ್ತದೆ.
ನಿರೀಕ್ಷಿತ ಆದಾಯದ ದರ - ಇದರರ್ಥ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ ನೀವು ನಿರೀಕ್ಷಿಸುತ್ತಿರುವ ಆದಾಯ.

ಆದ್ದರಿಂದ, ನಾವು SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ನ ಪರಿಕಲ್ಪನೆಯನ್ನು ವಿವರಣೆಯೊಂದಿಗೆ ವಿವರವಾಗಿ ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ.

ಮಾದರಿ ವಿವರಣೆ

ಆರಂಭಿಕ ಹೂಡಿಕೆಯ ಮೊತ್ತ - INR 1.20,000
SWP ಮೊತ್ತ - INR 10,000
ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅವಧಿ - 12 ತಿಂಗಳುಗಳು
ನಿರೀಕ್ಷಿತ ರಿಟರ್ನ್ ದರ - 7%

SWP ಕೋಷ್ಟಕದ ಲೆಕ್ಕಾಚಾರವನ್ನು ಈ ಕೆಳಗಿನಂತೆ ನೀಡಲಾಗಿದೆ.

ತಿಂಗಳು	ತಿಂಗಳ ಆರಂಭದಲ್ಲಿ ಬ್ಯಾಲೆನ್ಸ್ (INR)	ವಿಮೋಚನೆ ಮೊತ್ತ (INR)	ಗಳಿಸಿದ ಬಡ್ಡಿ (INR)	ತಿಂಗಳ ಕೊನೆಯಲ್ಲಿ ಬ್ಯಾಲೆನ್ಸ್ (INR)
1	1,20,000	10,000	642	1,10,642
2	1,10,642	10,000	587	1,01,229
3	1,01,229	10,000	532	91,761
4	91,761	10,000	477	82,238
5	82,238	10,000	421	72,659
6	72,659	10,000	366	63,025
7	63,025	10,000	309	53,334
8	53,334	10,000	253	43,587
9	43,587	10,000	196	33,783
10	33,783	10,000	139	23,921
11	23,921	10,000	81	14,003
12	14,003	10,000	23	4,026

ಹೀಗಾಗಿ, ಮೇಲಿನ ಕೋಷ್ಟಕದಿಂದ, SWP ವಹಿವಾಟಿನ ಮೂಲಕ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಯ ಲಾಭವು INR 4,026 ಆಗಿದೆ ಎಂದು ಹೇಳಬಹುದು.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯ ಪ್ರಯೋಜನಗಳು

SWP ಯ ಕೆಲವು ಪ್ರಮುಖ ಪ್ರಯೋಜನಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ.

ನಿಯಮಿತ ಆದಾಯದ ಹರಿವು

SWP ಯ ಪ್ರಾಥಮಿಕ ಪ್ರಯೋಜನವೆಂದರೆ ವ್ಯಕ್ತಿಗಳು ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ನಿಯಮಿತ ಆದಾಯದ ಮೂಲವಾಗಿ ಬಳಸಬಹುದು. ಏಕೆಂದರೆ ಹಿಂತೆಗೆದುಕೊಳ್ಳಲಾದ ಮೊತ್ತವು ಸ್ಥಿರವಾಗಿರುತ್ತದೆ.

ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸ

ನಿರ್ದಿಷ್ಟ ಮೊತ್ತವನ್ನು ಮಾತ್ರ ಹಿಂಪಡೆಯಲಾಗುತ್ತದೆ ಮತ್ತು ಉಳಿದ ಹಣವನ್ನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ SWP ವ್ಯಕ್ತಿಗಳಲ್ಲಿ ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸವನ್ನು ಸೃಷ್ಟಿಸುತ್ತದೆ. ಇದು ತಡೆಯುತ್ತದೆಬಂಡವಾಳ ಹೂಡಿಕೆಯ ಮೇಲೆ ಸವೆತ. ಅಲ್ಲದೆ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ಹೂಡಿಕೆಯು ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸುತ್ತದೆ.

ಪಿಂಚಣಿಗೆ ಬದಲಿ

SWP ನಿವೃತ್ತ ವ್ಯಕ್ತಿಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಪಿಂಚಣಿಗೆ ಬದಲಿಯಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ. ನಿವೃತ್ತರು SWP ಮೂಲಕ ನಿಯಮಿತ ಆದಾಯಕ್ಕಾಗಿ ತಮ್ಮನ್ನು ತಾವು ಭರವಸೆ ನೀಡಬಹುದು.

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2022 ರ ಅತ್ಯುತ್ತಮ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳಂತಹ ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುವ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ SWP ಅನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ಮಾಡಲಾಗುತ್ತದೆ. ಆದ್ದರಿಂದ, ಲಿಕ್ವಿಡ್ / ಅಲ್ಟ್ರಾಶಾರ್ಟ್ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ಕೆಲವು ಉತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳು ನಿವ್ವಳ ಸ್ವತ್ತುಗಳಿಗಿಂತ ಹೆಚ್ಚು1000 ಕೋಟಿ ಈ ಕೆಳಗಿನಂತೆ ಪಟ್ಟಿಮಾಡಲಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹573.63 ↑ 0.12	₹21,467	1.3	2.9	6.8	7.3	7.4	7.14%	5M 23D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹28.9546 ↑ 0.01	₹14,897	1.3	2.8	6.5	7	7.1	7.11%	5M 8D	6M 14D
SBI Magnum Ultra Short Duration Fund Growth	₹6,242.09 ↑ 1.29	₹13,685	1.3	2.8	6.4	7	7	6.47%	4M 13D	6M
Kotak Savings Fund Growth	₹44.7669 ↑ 0.01	₹16,105	1.4	2.8	6.3	6.8	6.8	7.12%	5M 23D	6M 18D
Nippon India Ultra Short Duration Fund Growth	₹4,204.24 ↑ 0.71	₹10,672	1.3	2.8	6.3	6.8	6.8	7.27%	5M 13D	7M 28D
BOI AXA Liquid Fund Growth	₹3,141.51 ↑ 0.64	₹1,915	1.5	3	6.2	7	6.6	6.34%	1M 17D	1M 17D
Axis Liquid Fund Growth	₹3,036.41 ↑ 0.61	₹43,636	1.5	3	6.2	6.9	6.6	6.36%	1M 11D	1M 14D
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 7 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund	Kotak Savings Fund	Nippon India Ultra Short Duration Fund	BOI AXA Liquid Fund	Axis Liquid Fund
Point 1	Upper mid AUM (₹21,467 Cr).	Lower mid AUM (₹14,897 Cr).	Lower mid AUM (₹13,685 Cr).	Upper mid AUM (₹16,105 Cr).	Bottom quartile AUM (₹10,672 Cr).	Bottom quartile AUM (₹1,915 Cr).	Highest AUM (₹43,636 Cr).
Point 2	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).	Established history (24+ yrs).	Established history (17+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.76% (top quartile).	1Y return: 6.55% (upper mid).	1Y return: 6.42% (upper mid).	1Y return: 6.34% (lower mid).	1Y return: 6.26% (lower mid).	1Y return: 6.22% (bottom quartile).	1Y return: 6.17% (bottom quartile).
Point 6	1M return: 0.44% (bottom quartile).	1M return: 0.48% (lower mid).	1M return: 0.46% (lower mid).	1M return: 0.52% (top quartile).	1M return: 0.45% (bottom quartile).	1M return: 0.51% (upper mid).	1M return: 0.51% (upper mid).
Point 7	Sharpe: 2.39 (upper mid).	Sharpe: 2.28 (lower mid).	Sharpe: 2.26 (lower mid).	Sharpe: 1.80 (bottom quartile).	Sharpe: 1.90 (bottom quartile).	Sharpe: 3.36 (top quartile).	Sharpe: 2.99 (upper mid).
Point 8	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: 1.71 (top quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.14% (upper mid).	Yield to maturity (debt): 7.11% (lower mid).	Yield to maturity (debt): 6.47% (lower mid).	Yield to maturity (debt): 7.12% (upper mid).	Yield to maturity (debt): 7.27% (top quartile).	Yield to maturity (debt): 6.34% (bottom quartile).	Yield to maturity (debt): 6.36% (bottom quartile).
Point 10	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.37 yrs (upper mid).	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.45 yrs (lower mid).	Modified duration: 0.13 yrs (upper mid).	Modified duration: 0.12 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹21,467 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.76% (top quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.14% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Lower mid AUM (₹14,897 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.55% (upper mid).
1M return: 0.48% (lower mid).
Sharpe: 2.28 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.11% (lower mid).
Modified duration: 0.44 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹13,685 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.42% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 2.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 0.37 yrs (upper mid).

Kotak Savings Fund

Upper mid AUM (₹16,105 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.34% (lower mid).
1M return: 0.52% (top quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).

Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹10,672 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.26% (lower mid).
1M return: 0.45% (bottom quartile).
Sharpe: 1.90 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 0.45 yrs (lower mid).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,915 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.22% (bottom quartile).
1M return: 0.51% (upper mid).
Sharpe: 3.36 (top quartile).
Information ratio: 1.71 (top quartile).
Yield to maturity (debt): 6.34% (bottom quartile).
Modified duration: 0.13 yrs (upper mid).

Axis Liquid Fund

Highest AUM (₹43,636 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.17% (bottom quartile).
1M return: 0.51% (upper mid).
Sharpe: 2.99 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.36% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).

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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹21,467 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.76% (top quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.14% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~43%).
High-quality debt (AAA/AA ~100%).
Largest holding Aditya BSL Money Mgr Dir Gr (~5.1%).

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 (31 Mar 26)	₹573.63 ↑ 0.12 (0.02 %)
Net Assets (Cr)	₹21,467 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.14%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,417
31 Mar 23	₹10,981
31 Mar 24	₹11,796
31 Mar 25	₹12,712

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 31 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.9%
1 Year	6.8%
3 Year	7.3%
5 Year	6.3%
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	11.7 Yr.
Kaustubh Gupta	15 Jul 11	14.64 Yr.
Monika Gandhi	22 Mar 21	4.94 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	42.74%
Debt	56.94%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	57.02%
Cash Equivalent	26.95%
Government	15.71%

Credit Quality

Rating	Value
AA	30.53%
AAA	69.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Money Mgr Dir Gr Investment Fund \| -	5%	₹1,101 Cr	28,181,297 ↑ 28,181,297
Shriram Finance Limited Debentures \| -	3%	₹612 Cr	60,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹545 Cr	54,000
Bharti Telecom Limited Debentures \| -	2%	₹399 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹351 Cr	35,000
Mankind Pharma Limited Debentures \| -	1%	₹321 Cr	32,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹303 Cr	30,000
Avanse Financial Services Limited Debentures \| -	1%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹297 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹286 Cr	28,500 ↑ 3,500

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.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Lower mid AUM (₹14,897 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.55% (upper mid).
1M return: 0.48% (lower mid).
Sharpe: 2.28 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.11% (lower mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.54 yrs (lower mid).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding RADHAKRISHNA SECURITISATION TRUST (~2.7%).

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 (31 Mar 26)	₹28.9546 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹14,897 on 15 Mar 26
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.28
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	7.11%
Effective Maturity	6 Months 14 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,396
31 Mar 23	₹10,949
31 Mar 24	₹11,737
31 Mar 25	₹12,601

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 31 Mar 26

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	2.8%
1 Year	6.5%
3 Year	7%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
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%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	9.29 Yr.
Ritesh Lunawat	15 Jun 17	8.71 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Mar 26

Asset Allocation

Asset Class	Value
Cash	81.75%
Debt	17.96%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	57.93%
Cash Equivalent	56.29%

Credit Quality

Rating	Value
AA	20.78%
AAA	79.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹454 Cr	450
Vedanta Limited Debentures \| -	2%	₹353 Cr	35,000
Goi Floating Rate Bond 2028 Sovereign Bonds \| -	2%	₹311 Cr	30,773,600
Muthoot Finance Limited Debentures \| -	2%	₹303 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹246 Cr	24,500
AU Small Finance Bank Ltd. Debentures \| -	1%	₹236 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹201 Cr	20,000
Nuvama Wealth Finance Limited Debentures \| -	1%	₹201 Cr	20,000
Motilal Oswal Home Finance Limited Debentures \| -	1%	₹201 Cr	20,000
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹200 Cr	20,000,000

3. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

Research Highlights for SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹13,685 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.42% (upper mid).
1M return: 0.46% (lower mid).
Sharpe: 2.26 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.47% (lower mid).
Modified duration: 0.37 yrs (upper mid).
Average maturity: 0.50 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~72%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Gs 2026 (~6.4%).

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (31 Mar 26)	₹6,242.09 ↑ 1.29 (0.02 %)
Net Assets (Cr)	₹13,685 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.47%
Effective Maturity	6 Months
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,359
31 Mar 23	₹10,891
31 Mar 24	₹11,674
31 Mar 25	₹12,539

SBI Magnum Ultra Short Duration 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 SBI Magnum 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 31 Mar 26

Duration	Returns
1 Month	0.5%
3 Month	1.3%
6 Month	2.8%
1 Year	6.4%
3 Year	7%
5 Year	5.9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7%
2023	7.4%
2022	7%
2021	4.5%
2020	3.4%
2019	5.9%
2018	8%
2017	7.9%
2016	6.6%
2015	7.7%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.79 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	71.7%
Debt	31.6%
Other	0.35%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.25%
Corporate	44.84%
Government	2.57%

Credit Quality

Rating	Value
AA	20.84%
AAA	79.16%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Gs 2026 Sovereign Bonds \| -	6%	₹880 Cr	88,000,000
Small Industries Development Bank of India Debentures \| -	5%	₹749 Cr	16,000 ↑ 16,000
Standard Chartered Bank - \| -	4%	-₹500 Cr
Bank of Baroda Debentures \| -	3%	₹469 Cr	10,000
Small Industries Development Bank of India Debentures \| -	3%	₹421 Cr	9,000 ↑ 9,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹390 Cr	39,000
India (Republic of) - \| -	3%	₹346 Cr	35,000,000 ↑ 35,000,000
Adani Power Limited Debentures \| -	2%	₹299 Cr	30,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹254 Cr	255
HSBC Bank PLC Debentures \| -	2%	-₹250 Cr

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.

Research Highlights for Kotak Savings Fund

Upper mid AUM (₹16,105 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.34% (lower mid).
1M return: 0.52% (top quartile).
Sharpe: 1.80 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.12% (upper mid).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~43%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~3.6%).

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (31 Mar 26)	₹44.7669 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹16,105 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.81
Sharpe Ratio	1.8
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,344
31 Mar 23	₹10,881
31 Mar 24	₹11,642
31 Mar 25	₹12,480

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 31 Mar 26

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.8%
1 Year	6.3%
3 Year	6.8%
5 Year	5.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
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%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.89 Yr.
Manu Sharma	1 Nov 22	3.33 Yr.

Data below for Kotak Savings Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	43.26%
Debt	56.45%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	54.19%
Cash Equivalent	25.02%
Government	20.51%

Credit Quality

Rating	Value
AA	13.57%
AAA	86.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹579 Cr	57,500
Bank of Baroda Debentures \| -	4%	₹564 Cr	60,000
Tamil Nadu (Government of) 0.0654% - \| -	3%	₹450 Cr	45,000,000 ↑ 45,000,000
6.9% Maharashtra Sgs 2030 Sovereign Bonds \| -	2%	₹302 Cr	30,000,000 ↑ 30,000,000
Mankind Pharma Limited Debentures \| -	2%	₹301 Cr	30,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹244 Cr	25,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹235 Cr	25,000
HDFC Bank Ltd. Debentures \| -	1%	₹234 Cr	25,000 ↑ 25,000
Small Industries Development Bank of India Debentures \| -	1%	₹234 Cr	25,000 ↑ 25,000

5. 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.

Research Highlights for Nippon India Ultra Short Duration Fund

Bottom quartile AUM (₹10,672 Cr).
Established history (24+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.26% (lower mid).
1M return: 0.45% (bottom quartile).
Sharpe: 1.90 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.27% (top quartile).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.66 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~50%).
High-quality debt (AAA/AA ~100%).
Largest holding National Bank For Agriculture And Rural Development (~2.7%).

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 (31 Mar 26)	₹4,204.24 ↑ 0.71 (0.02 %)
Net Assets (Cr)	₹10,672 on 28 Feb 26
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.12
Sharpe Ratio	1.9
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	7 Months 28 Days
Modified Duration	5 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,771
31 Mar 23	₹11,330
31 Mar 24	₹12,115
31 Mar 25	₹12,989

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 31 Mar 26

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.8%
1 Year	6.3%
3 Year	6.8%
5 Year	6.7%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.8%
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%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	12.42 Yr.
Kinjal Desai	25 May 18	7.77 Yr.
Akshay Sharma	1 Dec 22	3.25 Yr.
Lokesh Maru	5 Sep 25	0.48 Yr.
Divya Sharma	5 Sep 25	0.48 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	50.21%
Debt	49.51%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	58.39%
Cash Equivalent	36.66%
Government	3.95%
Securitized	0.71%

Credit Quality

Rating	Value
AA	35.75%
AAA	64.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹285 Cr	28,500
JSW Energy Limited Debentures \| -	2%	₹250 Cr	25,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
Vedanta Limited Debentures \| -	2%	₹241 Cr	24,000
TATA Communications Limited Debentures \| -	2%	₹225 Cr	22,500
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹213 Cr	21,500,000
Aadhar Housing Finance Limited Debentures \| -	2%	₹200 Cr	20,000
Embassy Office Parks Reit Debentures \| -	2%	₹200 Cr	2,000
10/04/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹199 Cr	20,000,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹194 Cr	1,950

6. BOI AXA Liquid Fund

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

Research Highlights for BOI AXA Liquid Fund

Bottom quartile AUM (₹1,915 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.22% (bottom quartile).
1M return: 0.51% (upper mid).
Sharpe: 3.36 (top quartile).
Information ratio: 1.71 (top quartile).
Yield to maturity (debt): 6.34% (bottom quartile).
Modified duration: 0.13 yrs (upper mid).
Average maturity: 0.13 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~7.8%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (31 Mar 26)	₹3,141.51 ↑ 0.64 (0.02 %)
Net Assets (Cr)	₹1,915 on 28 Feb 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	3.36
Information Ratio	1.71
Alpha Ratio	0.08
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.34%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,339
31 Mar 23	₹10,930
31 Mar 24	₹11,725
31 Mar 25	₹12,591

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 31 Mar 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	6.2%
3 Year	7%
5 Year	6%
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	4.54 Yr.

Data below for BOI AXA Liquid Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	57.03%
Corporate	36.26%
Government	6.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	8%	₹149 Cr	15,000,000
Indian Bank Certificate of Deposit \| -	5%	₹100 Cr	10,000,000
Repo CBLO/Reverse Repo \| -	5%	₹99 Cr
Union Bank Of India Certificate of Deposit \| -	5%	₹92 Cr	9,300,000 ↑ 4,300,000
HDFC Securities Limited Commercial Paper \| -	4%	₹80 Cr	8,000,000
Bank Of Baroda Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
Canara Bank Certificate of Deposit \| -	4%	₹75 Cr	7,500,000
07/05/2026 Maturing 91 DTB Sovereign Bonds \| -	4%	₹74 Cr	7,500,000
Export-Import Bank Of India Certificate of Deposit \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
State Bank Of India Certificate of Deposit \| -	3%	₹65 Cr	6,500,000

7. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Liquid Fund

Highest AUM (₹43,636 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.17% (bottom quartile).
1M return: 0.51% (upper mid).
Sharpe: 2.99 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.36% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).
Average maturity: 0.12 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd (~4.0%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (31 Mar 26)	₹3,036.41 ↑ 0.61 (0.02 %)
Net Assets (Cr)	₹43,636 on 28 Feb 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.99
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.36%
Effective Maturity	1 Month 14 Days
Modified Duration	1 Month 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹10,340
31 Mar 23	₹10,930
31 Mar 24	₹11,723
31 Mar 25	₹12,584

Axis 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 Axis 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 31 Mar 26

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	6.2%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.4%
2022	7.1%
2021	4.9%
2020	3.3%
2019	4.3%
2018	6.6%
2017	7.5%
2016	6.7%
2015	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.32 Yr.
Aditya Pagaria	13 Aug 16	9.55 Yr.
Sachin Jain	3 Jul 23	2.66 Yr.

Data below for Axis Liquid Fund as on 28 Feb 26

Asset Allocation

Asset Class	Value
Cash	99.77%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.15%
Corporate	13.22%
Government	3.4%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	4%	₹1,724 Cr
Small Industries Development Bank of India Commercial Paper \| -	4%	₹1,693 Cr	34,000 ↑ 4,000
Union Bank of India Domestic Bonds \| -	3%	₹1,481 Cr	30,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹1,480 Cr	30,000
27/03/2026 Maturing 91 DTB Sovereign Bonds \| -	3%	₹1,440 Cr	144,500,000
National Bank For Agriculture & Rural Development Commercial Paper \| -	3%	₹1,232 Cr	25,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹997 Cr	20,000
Punjab National Bank Domestic Bonds \| -	2%	₹993 Cr	20,000
07/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹990 Cr	100,000,000
India (Republic of) - \| -	2%	₹988 Cr	100,000,000 ↑ 100,000,000

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