SIP 2022 ಗಾಗಿ 5 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳು

Updated on December 21, 2025 , 9763 views

ದ್ರವ ನಿಧಿಗಳು ಸುರಕ್ಷಿತ ವರ್ಗವೆಂದು ಪರಿಗಣಿಸಲಾಗಿದೆಸಾಲ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಅವರು ಕಡಿಮೆ ಬಡ್ಡಿ ದರ ಮತ್ತು ಕ್ರೆಡಿಟ್ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತಾರೆ. ದ್ರವ ನಿಧಿಗಳು 91 ದಿನಗಳವರೆಗೆ ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿರುವ ಸಾಲ ಭದ್ರತೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಈ ನಿಧಿಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಬ್ಯಾಂಕ್ ಉಳಿತಾಯ ಖಾತೆ. ಬ್ಯಾಂಕ್ ಖಾತೆಗಳ 4% ಬಡ್ಡಿ ದರಕ್ಕೆ ಹೋಲಿಸಿದರೆ, ದ್ರವಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಸುಮಾರು 7% ಆದಾಯವನ್ನು ನೀಡುತ್ತದೆ. ಹೆಚ್ಚುವರಿಯಾಗಿ, ದ್ರವ ನಿಧಿಗಳು ಹೆಚ್ಚು ದ್ರವವಾಗಿರುತ್ತವೆ, ಒಬ್ಬರು ತಮ್ಮ ಹಣವನ್ನು ಒಂದು ದಿನದೊಳಗೆ ಪುನಃ ಪಡೆದುಕೊಳ್ಳಬಹುದು. ಹೂಡಿಕೆದಾರರು ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸಲು ತಮ್ಮ ಹೆಚ್ಚುವರಿ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಅಥವಾ ಅವರು ತಮ್ಮ ಅಲ್ಪಾವಧಿಯನ್ನು ಸಾಧಿಸಲು ಹೂಡಿಕೆ ಮಾಡಬಹುದುಹಣಕಾಸಿನ ಗುರಿಗಳು. ಉದಾಹರಣೆಗೆ, ಒಬ್ಬರು ಗ್ಯಾಜೆಟ್ ಖರೀದಿಸಬೇಕಾದರೆ ಅಥವಾ ಸಣ್ಣ ಪ್ರವಾಸವನ್ನು ಯೋಜಿಸಲು ಬಯಸಿದರೆ. ಉತ್ತಮ ಆದಾಯಕ್ಕಾಗಿ, ಹೂಡಿಕೆದಾರರು ಈ ಮೊದಲೇ ಪಟ್ಟಿ ಮಾಡಲಾದ ಉನ್ನತ ಕಾರ್ಯಕ್ಷಮತೆಯ ದ್ರವ ನಿಧಿಗಳಲ್ಲಿ a ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡಬಹುದುSIP. ಅವರ ಇತ್ತೀಚಿನ ಪ್ರದರ್ಶನಗಳು ಮತ್ತು ರಿಟರ್ನ್‌ಗಳನ್ನು ನೋಡೋಣ!

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FY 22 - 23 SIP ಹೂಡಿಕೆಗಳಿಗಾಗಿ ಟಾಪ್ 5 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
BOI AXA Liquid Fund Growth	₹3,090.77 ↑ 0.46	₹1,426	1,000	1.4	2.9	6.6	7	5.8	7.4
Indiabulls Liquid Fund Growth	₹2,595.09 ↑ 0.39	₹183	500	1.4	2.9	6.6	6.9	5.7	7.4
IDBI Liquid Fund Growth	₹2,454.04 ↑ 0.35	₹503	500	1.7	3.4	6.6	4.5	5.3
Tata Liquid Fund Growth	₹4,226.1 ↑ 0.65	₹22,790	500	1.4	2.9	6.5	6.9	5.7	7.3
Mirae Asset Cash Management Fund Growth	₹2,813.66 ↑ 0.43	₹18,005	1,000	1.4	2.9	6.5	7	5.8	7.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	BOI AXA Liquid Fund	Indiabulls Liquid Fund	IDBI Liquid Fund	Tata Liquid Fund	Mirae Asset Cash Management Fund
Point 1	Lower mid AUM (₹1,426 Cr).	Bottom quartile AUM (₹183 Cr).	Bottom quartile AUM (₹503 Cr).	Highest AUM (₹22,790 Cr).	Upper mid AUM (₹18,005 Cr).
Point 2	Established history (17+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Oldest track record among peers (21 yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.59% (top quartile).	1Y return: 6.57% (upper mid).	1Y return: 6.55% (lower mid).	1Y return: 6.54% (bottom quartile).	1Y return: 6.52% (bottom quartile).
Point 6	1M return: 0.46% (upper mid).	1M return: 0.46% (bottom quartile).	1M return: 0.53% (top quartile).	1M return: 0.46% (bottom quartile).	1M return: 0.46% (lower mid).
Point 7	Sharpe: 3.84 (top quartile).	Sharpe: 3.30 (upper mid).	Sharpe: 0.20 (bottom quartile).	Sharpe: 3.10 (bottom quartile).	Sharpe: 3.29 (lower mid).
Point 8	Information ratio: 1.15 (top quartile).	Information ratio: -0.88 (bottom quartile).	Information ratio: -5.96 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).
Point 9	Yield to maturity (debt): 5.94% (lower mid).	Yield to maturity (debt): 5.88% (bottom quartile).	Yield to maturity (debt): 6.66% (top quartile).	Yield to maturity (debt): 6.04% (upper mid).	Yield to maturity (debt): 5.85% (bottom quartile).
Point 10	Modified duration: 0.14 yrs (bottom quartile).	Modified duration: 0.14 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.13 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).

BOI AXA Liquid Fund

Lower mid AUM (₹1,426 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.59% (top quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.84 (top quartile).
Information ratio: 1.15 (top quartile).
Yield to maturity (debt): 5.94% (lower mid).
Modified duration: 0.14 yrs (bottom quartile).

Indiabulls Liquid Fund

Bottom quartile AUM (₹183 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.57% (upper mid).
1M return: 0.46% (bottom quartile).
Sharpe: 3.30 (upper mid).
Information ratio: -0.88 (bottom quartile).
Yield to maturity (debt): 5.88% (bottom quartile).
Modified duration: 0.14 yrs (bottom quartile).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.55% (lower mid).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (top quartile).
Modified duration: 0.10 yrs (upper mid).

Tata Liquid Fund

Highest AUM (₹22,790 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.54% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.04% (upper mid).
Modified duration: 0.13 yrs (lower mid).

Mirae Asset Cash Management Fund

Upper mid AUM (₹18,005 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.52% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 3.29 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.85% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

*ಮೇಲೆ ಅತ್ಯುತ್ತಮ ಪಟ್ಟಿ ಇದೆದ್ರವ ನಿಧಿಗಳು ಮೇಲಿನ AUM/ನಿವ್ವಳ ಸ್ವತ್ತುಗಳನ್ನು ಹೊಂದಿವೆ100 ಕೋಟಿ. ವಿಂಗಡಿಸಲಾಗಿದೆಕಳೆದ 1 ವರ್ಷದ ರಿಟರ್ನ್.

1. 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

Lower mid AUM (₹1,426 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.59% (top quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.84 (top quartile).
Information ratio: 1.15 (top quartile).
Yield to maturity (debt): 5.94% (lower mid).
Modified duration: 0.14 yrs (bottom quartile).
Average maturity: 0.14 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (23 Dec 25)	₹3,090.77 ↑ 0.46 (0.01 %)
Net Assets (Cr)	₹1,426 on 30 Nov 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	3.84
Information Ratio	1.15
Alpha Ratio	0.07
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.94%
Effective Maturity	1 Month 20 Days
Modified Duration	1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,320
30 Nov 22	₹10,799
30 Nov 23	₹11,556
30 Nov 24	₹12,418
30 Nov 25	₹13,245

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 23 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.6%
3 Year	7%
5 Year	5.8%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	4.29 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.62%
Other	0.38%

Debt Sector Allocation

Sector	Value
Cash Equivalent	54.05%
Corporate	24.38%
Government	21.19%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Repo CBLO/Reverse Repo \| -	7%	₹101 Cr
India (Republic of) - \| -	7%	₹99 Cr	10,000,000 ↑ 10,000,000
Bank of Baroda Debentures \| -	7%	₹99 Cr	10,000,000 ↓ -500,000
India (Republic of) - \| -	5%	₹74 Cr	7,500,000 ↑ 7,500,000
India (Republic of) - \| -	4%	₹55 Cr	5,500,000 ↑ 5,500,000
Indian Bank Certificate of Deposit \| -	4%	₹50 Cr	5,000,000
Punjab National Bank Certificate of Deposit \| -	4%	₹50 Cr	5,000,000
Bajaj Finance Limited Commercial Paper \| -	4%	₹50 Cr	5,000,000
Power Finance Corporation Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
Canara Bank Certificate of Deposit \| -	3%	₹50 Cr	5,000,000

2. 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.

Research Highlights for Indiabulls Liquid Fund

Bottom quartile AUM (₹183 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.57% (upper mid).
1M return: 0.46% (bottom quartile).
Sharpe: 3.30 (upper mid).
Information ratio: -0.88 (bottom quartile).
Yield to maturity (debt): 5.88% (bottom quartile).
Modified duration: 0.14 yrs (bottom quartile).
Average maturity: 0.14 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (23 Dec 25)	₹2,595.09 ↑ 0.39 (0.02 %)
Net Assets (Cr)	₹183 on 15 Dec 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	3.3
Information Ratio	-0.88
Alpha Ratio	0.03
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.88%
Effective Maturity	1 Month 21 Days
Modified Duration	1 Month 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,310
30 Nov 22	₹10,755
30 Nov 23	₹11,474
30 Nov 24	₹12,318
30 Nov 25	₹13,139

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 23 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.6%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.8%
2022	4.6%
2021	3.1%
2020	3.9%
2019	6.6%
2018	7.3%
2017	6.7%
2016	7.8%
2015	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	2.56 Yr.

Data below for Indiabulls Liquid Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	99.62%
Other	0.38%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.25%
Corporate	39.27%
Government	8.1%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo 16-Dec-25 CBLO/Reverse Repo \| -	36%	₹66 Cr
Bank Of Baroda Certificate of Deposit \| -	9%	₹17 Cr	1,750,000 ↑ 1,750,000
Small Industries Development Bank Of India Debentures \| -	8%	₹15 Cr	1,500,000
Union Bank Of India Certificate of Deposit \| -	8%	₹15 Cr	1,500,000
Net Receivable/Payable Net Current Assets \| -	8%	-₹15 Cr
Kotak Mahindra Bank Limited Certificate of Deposit \| -	8%	₹15 Cr	1,500,000
India (Republic of) - \| -	8%	₹15 Cr	1,500,000 ↑ 1,500,000
Indian Bank Certificate of Deposit \| -	8%	₹15 Cr	1,500,000 ↑ 1,500,000
L&T Finance Limited Commercial Paper \| -	8%	₹14 Cr	1,400,000
Bank Of India Certificate of Deposit \| -	5%	₹10 Cr	1,000,000

3. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.55% (lower mid).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (top quartile).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund Growth
Launch Date	9 Jul 10
NAV (28 Jul 23)	₹2,454.04 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹503 on 30 Jun 23
Category	Debt - Liquid Fund
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.2
Information Ratio	-5.96
Alpha Ratio	-0.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,335
30 Nov 22	₹10,812

IDBI 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 IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25

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

4. Tata Liquid Fund

(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

Highest AUM (₹22,790 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.54% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 3.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.04% (upper mid).
Modified duration: 0.13 yrs (lower mid).
Average maturity: 0.13 yrs (lower mid).
Exit load: NIL.

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (23 Dec 25)	₹4,226.1 ↑ 0.65 (0.02 %)
Net Assets (Cr)	₹22,790 on 15 Dec 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	3.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.04%
Effective Maturity	1 Month 15 Days
Modified Duration	1 Month 15 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,316
30 Nov 22	₹10,779
30 Nov 23	₹11,524
30 Nov 24	₹12,370
30 Nov 25	₹13,188

Tata 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 Tata 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 23 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.5%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	12.13 Yr.
Harsh Dave	1 Aug 24	1.33 Yr.

Data below for Tata Liquid Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.59%
Corporate	17.29%
Government	11.82%

Credit Quality

Rating	Value
AA	0.66%
AAA	99.34%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Commercial Paper \| -	7%	₹1,589 Cr	32,000 ↓ -2,000
India (Republic of) - \| -	5%	₹1,175 Cr	118,000,000 ↓ -10,000,000
Punjab National Bank Certificate of Deposit \| -	4%	₹990 Cr	20,000
India (Republic of) - \| -	4%	₹835 Cr	84,000,000
Union Bank Of India Certificate of Deposit \| -	3%	₹794 Cr	16,000
Indian Oil Corporation Limited Commercial Paper \| -	3%	₹650 Cr	13,000
Bank of India Ltd. Debentures \| -	3%	₹643 Cr	13,000
364 DTB 12022026 Sovereign Bonds \| -	3%	₹595 Cr	60,000,000 ↑ 60,000,000
Aditya Birla Housing Finance Limited Commercial Paper \| -	3%	₹595 Cr	12,000
** - Bajaj Finance Ltd - Cp - 05/03/2026 Net Current Assets \| -	3%	₹592 Cr	12,000 ↑ 12,000

5. Mirae Asset Cash Management Fund

The investment objective of the scheme is to generate consistent returns with a high level of liquidity in a judicious portfolio mix comprising of money market and debt instruments. The Scheme does not guarantee any returns.

Research Highlights for Mirae Asset Cash Management Fund

Upper mid AUM (₹18,005 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.52% (bottom quartile).
1M return: 0.46% (lower mid).
Sharpe: 3.29 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.85% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.11 yrs (top quartile).
Exit load: NIL.

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (23 Dec 25)	₹2,813.66 ↑ 0.43 (0.02 %)
Net Assets (Cr)	₹18,005 on 30 Nov 25
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.14
Sharpe Ratio	3.29
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.85%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,328
30 Nov 22	₹10,797
30 Nov 23	₹11,549
30 Nov 24	₹12,400
30 Nov 25	₹13,217

Mirae Asset Cash Management 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 Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.5%
3 Year	7%
5 Year	5.8%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.3%
2017	6.6%
2016	7.2%
2015	7.8%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Mahendra Jajoo	22 Sep 25	0.19 Yr.

Data below for Mirae Asset Cash Management Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	99.83%
Other	0.17%

Debt Sector Allocation

Sector	Value
Cash Equivalent	60.85%
Corporate	23.45%
Government	15.53%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	8%	₹1,422 Cr
India (Republic of) - \| -	3%	₹544 Cr	55,000,000 ↑ 55,000,000
T-Bill Sovereign Bonds \| -	3%	₹495 Cr	50,000,000 ↑ 50,000,000
HDFC Bank Ltd Certificate of Deposit \| -	3%	₹494 Cr	50,000,000 ↑ 50,000,000
Union Bank Of India (Md 29/12/2025)**# Certificate of Deposit \| -	2%	₹448 Cr	45,000,000 ↑ 45,000,000
Bank of Baroda Debentures \| -	2%	₹419 Cr	42,500,000 ↑ 42,500,000
Indian Oil Corporation Limited Commercial Paper \| -	2%	₹400 Cr	40,000,000 ↑ 40,000,000
India (Republic of) - \| -	2%	₹397 Cr	40,000,000 ↑ 40,000,000
T-Bill Sovereign Bonds \| -	2%	₹395 Cr	40,000,000 ↑ 40,000,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	2%	₹372 Cr	37,500,000

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.