മികച്ച മണി മാർക്കറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on February 19, 2026 , 43730 views

പൊതുവായി പറഞ്ഞാൽ,മികച്ച ലിക്വിഡ് ഫണ്ടുകൾ (മണി മാർക്കറ്റ് ഫണ്ടുകൾ) കടമാണ്മ്യൂച്വൽ ഫണ്ടുകൾ അല്ലെങ്കിൽ പണംവിപണി നിക്ഷേപ കാലയളവിലെ വ്യത്യാസമുള്ള മ്യൂച്വൽ ഫണ്ടുകൾ. മണി മാർക്കറ്റ് ഫണ്ടുകൾ വളരെ ഹ്രസ്വമായ മണി മാർക്കറ്റ് ഉപകരണങ്ങളിൽ നിക്ഷേപിക്കുന്നുനിക്ഷേപ സാക്ഷ്യപത്രം, ട്രഷറി ബില്ലുകൾ, വാണിജ്യ പേപ്പറുകൾ തുടങ്ങിയവ.

ഈ ഫണ്ടുകളുടെ നിക്ഷേപ കാലയളവ് വളരെ ചെറുതാണ്, സാധാരണയായി രണ്ട് ദിവസം മുതൽ ഏതാനും ആഴ്ചകൾ വരെ (അത് ഒരു ദിവസം പോലും ആകാം!). ശരാശരി ശേഷിക്കുന്ന പക്വതലിക്വിഡ് ഫണ്ടുകൾ വ്യക്തിഗതമായി 91 ദിവസം വരെ കാലാവധിയുള്ള സെക്യൂരിറ്റികളിൽ നിക്ഷേപിക്കുന്നതിനാൽ 91 ദിവസത്തിൽ താഴെയാണ്.

ഹ്രസ്വകാലമായതിനാൽഡെറ്റ് ഫണ്ട്, ഈ ഫണ്ടുകൾ ഹ്രസ്വകാലത്തേക്ക് റിസ്ക് കുറഞ്ഞ നിക്ഷേപങ്ങൾക്കായി തിരയുന്ന നിക്ഷേപകർക്ക് വളരെ അനുയോജ്യമാണ്. മികച്ച ലിക്വിഡ് ഫണ്ടുകളുടെ കുറഞ്ഞ കാലാവധി പൂർത്തീകരിക്കാൻ ഫണ്ട് മാനേജർമാരെ സഹായിക്കുന്നുമോചനം നിക്ഷേപകരുടെ ആവശ്യം എളുപ്പത്തിൽ. വിപണിയിൽ, വിവിധ മണി മാർക്കറ്റ് ഫണ്ട് നിക്ഷേപങ്ങൾ ലഭ്യമാണ്.

എന്തുകൊണ്ട് മണി മാർക്കറ്റ് ഫണ്ടുകളിൽ നിക്ഷേപിക്കണം?

മണി മാർക്കറ്റിലെ സെക്യൂരിറ്റികൾ താരതമ്യേന അപകടസാധ്യത കുറവാണ്
മണി മാർക്കറ്റ് ഫണ്ടുകൾ എല്ലാ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങളുടെയും സുരക്ഷിതവും സുരക്ഷിതവുമാണ്
മണി മാർക്കറ്റ് ഫണ്ടുകൾ കണക്കിലെടുക്കുമ്പോൾ, ഒരു മണി മാർക്കറ്റ് അക്കൗണ്ടിൽ നിക്ഷേപിക്കുന്നത് എളുപ്പമാണ്.നിക്ഷേപിക്കുന്നു മ്യൂച്വൽ ഫണ്ടുകൾ വഴി നിക്ഷേപകർക്ക് അവരുടെ സൗകര്യത്തിനനുസരിച്ച് ഒരു അക്കൗണ്ട് തുറക്കാനും നിക്ഷേപിക്കാനും പിൻവലിക്കാനും കഴിയും
എല്ലാ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങളിലും ഏറ്റവും കുറഞ്ഞ അസ്ഥിരമായ തരങ്ങളിലൊന്നായി മണി മാർക്കറ്റ് ഫണ്ടുകൾ കണക്കാക്കപ്പെടുന്നു
മണി മാർക്കറ്റ് ഫണ്ടുകളുടെ പ്രകടനം, റിസർവ് നിശ്ചയിച്ചിട്ടുള്ള പലിശ നിരക്കുകളുമായി വളരെ അടുത്ത് ബന്ധപ്പെട്ടിരിക്കുന്നുബാങ്ക് ഇന്ത്യയുടെ, ദിസെൻട്രൽ ബാങ്ക് ഓഫ് ഇന്ത്യ. അതിനാൽ, ആർബിഐ വിപണിയിൽ നിരക്കുകൾ ഉയർത്തുമ്പോൾ, ആദായം വർദ്ധിക്കുകയും മണി മാർക്കറ്റ് ഫണ്ടുകൾക്ക് നല്ല വരുമാനം നൽകുകയും ചെയ്യുന്നു.

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മണി മാർക്കറ്റ് ഫണ്ടുകൾ എങ്ങനെയാണ് പ്രവർത്തിക്കുന്നത്?

ഒരു മണി മാർക്കറ്റ് ഫണ്ട് ഒരു ലക്ഷ്യത്തോടെ മണി മാർക്കറ്റ് ഉപകരണങ്ങളിൽ നിക്ഷേപിക്കുന്നുവഴിപാട് നല്ല വരുമാനം (പലിശവരുമാനം) കൂടാതെ സൂക്ഷിക്കുന്നുഅല്ല ഏറ്റക്കുറച്ചിലുകൾ കുറഞ്ഞത്.

മണി മാർക്കറ്റ് ഉപകരണങ്ങളുടെ തരങ്ങൾ

പണത്തിന്റെയും പണത്തിന് തുല്യമായ ഉപകരണങ്ങളുടെയും വ്യാപാരം നടക്കുന്ന ഒരു എക്സ്ചേഞ്ചാണ് മണി മാർക്കറ്റ്. മണി മാർക്കറ്റിൽ ട്രേഡ് ചെയ്യപ്പെടുന്ന ഉപകരണങ്ങൾക്ക് മെച്യൂരിറ്റി ഉണ്ട്, അത് ഒറ്റരാത്രി മുതൽ ഒരു വർഷം വരെ വ്യത്യാസപ്പെടാം. ഇന്ത്യയിലെ ചില പ്രധാന മണി മാർക്കറ്റ് ഉപകരണങ്ങൾ ഇതാ:

1. ട്രഷറി ബില്ലുകൾ അല്ലെങ്കിൽ ടി-ബില്ലുകൾ

365 ദിവസം വരെയുള്ള കാലയളവിലേക്ക് ധനസമാഹരണത്തിനായി ഇന്ത്യാ ഗവൺമെന്റ് ട്രഷറി ബില്ലുകൾ ഇഷ്യൂ ചെയ്യുന്നു. ഇവ സർക്കാർ നൽകുന്നതിനാൽ അവ വളരെ സുരക്ഷിതമാണെന്നാണ് കരുതുന്നത്. എന്നിരുന്നാലും, കുറഞ്ഞ അപകടസാധ്യതകൾ ട്രഷറി ബില്ലുകളുടെ കാര്യത്തിലും കുറഞ്ഞ വരുമാനത്തിലേക്ക് വിവർത്തനം ചെയ്യുന്നു. ടി-ബില്ലുകളുടെ വരുമാനം മറ്റ് മണി മാർക്കറ്റ് ഉപകരണങ്ങളേക്കാൾ കുറവാണ്.

2. നിക്ഷേപത്തിന്റെ സർട്ടിഫിക്കറ്റ് അല്ലെങ്കിൽ സി.ഡി

ഒരു സിഡി എന്നത് ഷെഡ്യൂൾഡ് വാണിജ്യ ബാങ്കുകൾ വാഗ്ദാനം ചെയ്യുന്ന ഒരു ടേം ഡെപ്പോസിറ്റാണ്, അത് അകാല മോചനത്തിനുള്ള ഓപ്ഷനില്ല. ഒരു സിഡിയും തമ്മിലുള്ള പ്രാഥമിക വ്യത്യാസംFD സിഡികൾ സ്വതന്ത്രമായി ചർച്ച ചെയ്യാവുന്നതാണ്.

3. വീണ്ടും വാങ്ങൽ കരാറുകൾ അല്ലെങ്കിൽ റിപ്പോകൾ

ഹ്രസ്വകാല വായ്പകൾ സുഗമമാക്കുന്നതിന് ബാങ്കും ആർബിഐയും തമ്മിൽ വീണ്ടും വാങ്ങൽ കരാർ ഉണ്ടാക്കുന്നു. രണ്ട് ബാങ്കുകൾക്കിടയിലും ഇത് നിർമ്മിക്കാം.

4. വാണിജ്യ പേപ്പർ അല്ലെങ്കിൽ സി.പി

ഉയർന്ന ക്രെഡിറ്റ് റേറ്റിംഗ് ഉള്ള കമ്പനികൾക്കും ധനകാര്യ സ്ഥാപനങ്ങൾക്കും എവാണിജ്യ പേപ്പർ ഇത് ഒരു ഹ്രസ്വകാല, സുരക്ഷിതമല്ലാത്ത പ്രോമിസറി നോട്ടാണ്. അത്തരം സ്ഥാപനങ്ങൾക്ക് അവരുടെ ഹ്രസ്വകാല കടമെടുക്കൽ ഉറവിടങ്ങൾ വൈവിധ്യവത്കരിക്കാൻ ഇത് അനുവദിക്കുന്നു. റിഡീംഷൻ നടക്കുമ്പോൾ സാധാരണയായി CP-കൾ ഡിസ്കൗണ്ട് നിരക്കിൽ ഇഷ്യൂ ചെയ്യപ്പെടുന്നുമുഖവില. ദിനിക്ഷേപകൻ വ്യത്യാസം നേടുന്നു.

മികച്ച 8 മണി മാർക്കറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Money Market Fund Growth	₹395.028 ↑ 0.11	₹35,025	0.6	1.4	2.9	7.2	7.4	6.91%	5M 12D	5M 25D
Franklin India Savings Fund Growth	₹52.2167 ↑ 0.02	₹3,898	0.6	1.4	2.9	7.2	7.4	6.89%	5M 8D	5M 19D
UTI Money Market Fund Growth	₹3,210.02 ↑ 1.02	₹20,497	0.6	1.4	2.9	7.2	7.5	6.96%	4M 26D	4M 26D
Nippon India Money Market Fund Growth	₹4,318.57 ↑ 1.47	₹21,699	0.6	1.4	2.9	7.2	7.4	6.48%	4M 23D	5M 3D
Tata Money Market Fund Growth	₹4,912.72 ↑ 1.88	₹37,939	0.6	1.4	2.9	7.1	7.4	6.35%	5D	5D
Kotak Money Market Scheme Growth	₹4,672.75 ↑ 1.52	₹32,870	0.6	1.4	2.9	7.1	7.4	6.99%	5M 8D	5M 8D
HDFC Money Market Fund Growth	₹5,946.74 ↑ 1.78	₹33,210	0.6	1.4	2.9	7.1	7.4	6.87%	4M 15D	4M 26D
Bandhan Money Manager Fund Growth	₹41.9334 ↑ 0.01	₹15,694	0.6	1.4	2.9	7.1	7.3	6.7%	3M 28D	3M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Feb 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	ICICI Prudential Money Market Fund	Franklin India Savings Fund	UTI Money Market Fund	Nippon India Money Market Fund	Tata Money Market Fund	Kotak Money Market Scheme	HDFC Money Market Fund	Bandhan Money Manager Fund
Point 1	Top quartile AUM (₹35,025 Cr).	Bottom quartile AUM (₹3,898 Cr).	Lower mid AUM (₹20,497 Cr).	Lower mid AUM (₹21,699 Cr).	Highest AUM (₹37,939 Cr).	Upper mid AUM (₹32,870 Cr).	Upper mid AUM (₹33,210 Cr).	Bottom quartile AUM (₹15,694 Cr).
Point 2	Established history (19+ yrs).	Established history (24+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom 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: Moderately Low.
Point 5	1Y return: 7.22% (top quartile).	1Y return: 7.22% (top quartile).	1Y return: 7.22% (upper mid).	1Y return: 7.17% (upper mid).	1Y return: 7.14% (lower mid).	1Y return: 7.14% (lower mid).	1Y return: 7.13% (bottom quartile).	1Y return: 7.10% (bottom quartile).
Point 6	1M return: 0.63% (top quartile).	1M return: 0.61% (bottom quartile).	1M return: 0.61% (lower mid).	1M return: 0.63% (top quartile).	1M return: 0.63% (upper mid).	1M return: 0.62% (upper mid).	1M return: 0.62% (lower mid).	1M return: 0.59% (bottom quartile).
Point 7	Sharpe: 2.31 (top quartile).	Sharpe: 2.24 (upper mid).	Sharpe: 2.26 (upper mid).	Sharpe: 2.08 (bottom quartile).	Sharpe: 2.11 (bottom quartile).	Sharpe: 2.13 (lower mid).	Sharpe: 2.12 (lower mid).	Sharpe: 2.37 (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.91% (upper mid).	Yield to maturity (debt): 6.89% (upper mid).	Yield to maturity (debt): 6.96% (top quartile).	Yield to maturity (debt): 6.48% (bottom quartile).	Yield to maturity (debt): 6.35% (bottom quartile).	Yield to maturity (debt): 6.99% (top quartile).	Yield to maturity (debt): 6.87% (lower mid).	Yield to maturity (debt): 6.70% (lower mid).
Point 10	Modified duration: 0.45 yrs (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 0.41 yrs (lower mid).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 0.01 yrs (top quartile).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.38 yrs (upper mid).	Modified duration: 0.33 yrs (top quartile).

ICICI Prudential Money Market Fund

Top quartile AUM (₹35,025 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.22% (top quartile).
1M return: 0.63% (top quartile).
Sharpe: 2.31 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.91% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹3,898 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.22% (top quartile).
1M return: 0.61% (bottom quartile).
Sharpe: 2.24 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.89% (upper mid).
Modified duration: 0.44 yrs (lower mid).

UTI Money Market Fund

Lower mid AUM (₹20,497 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.22% (upper mid).
1M return: 0.61% (lower mid).
Sharpe: 2.26 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.96% (top quartile).
Modified duration: 0.41 yrs (lower mid).

Nippon India Money Market Fund

Lower mid AUM (₹21,699 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.17% (upper mid).
1M return: 0.63% (top quartile).
Sharpe: 2.08 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.48% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).

Tata Money Market Fund

Highest AUM (₹37,939 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.14% (lower mid).
1M return: 0.63% (upper mid).
Sharpe: 2.11 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.01 yrs (top quartile).

Kotak Money Market Scheme

Upper mid AUM (₹32,870 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.14% (lower mid).
1M return: 0.62% (upper mid).
Sharpe: 2.13 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.99% (top quartile).
Modified duration: 0.44 yrs (bottom quartile).

HDFC Money Market Fund

Upper mid AUM (₹33,210 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.13% (bottom quartile).
1M return: 0.62% (lower mid).
Sharpe: 2.12 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.38 yrs (upper mid).

Bandhan Money Manager Fund

Bottom quartile AUM (₹15,694 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.10% (bottom quartile).
1M return: 0.59% (bottom quartile).
Sharpe: 2.37 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.70% (lower mid).
Modified duration: 0.33 yrs (top quartile).

1. ICICI Prudential Money Market Fund

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

Research Highlights for ICICI Prudential Money Market Fund

Top quartile AUM (₹35,025 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.22% (top quartile).
1M return: 0.63% (top quartile).
Sharpe: 2.31 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.91% (upper mid).
Modified duration: 0.45 yrs (bottom quartile).
Average maturity: 0.48 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding 19/03/2026 Maturing 182 DTB (~6.6%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (20 Feb 26)	₹395.028 ↑ 0.11 (0.03 %)
Net Assets (Cr)	₹35,025 on 31 Jan 26
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.31
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.91%
Effective Maturity	5 Months 25 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,378
31 Jan 23	₹10,896
31 Jan 24	₹11,708
31 Jan 25	₹12,609
31 Jan 26	₹13,512

ICICI Prudential Money Market Fund SIP Returns

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

Returns for ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.2%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	2.64 Yr.
Nikhil Kabra	3 Aug 16	9.5 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	78.74%
Debt	21.01%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	47.46%
Cash Equivalent	44.27%
Government	8.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
19/03/2026 Maturing 182 DTB Sovereign Bonds \| -	7%	₹2,320 Cr	233,500,000 ↑ 233,500,000
Axis Bank Ltd. Debentures \| -	4%	₹1,406 Cr	30,000
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	4%	₹1,308 Cr	131,500,000
Union Bank of India Domestic Bonds \| -	3%	₹983 Cr	21,000 ↑ 21,000
Small Industries Development Bank of India Debentures \| -	2%	₹796 Cr	17,000
Indusind Bank Ltd. Debentures \| -	2%	₹699 Cr	15,000 ↑ 15,000
Bank of Baroda Debentures \| -	2%	₹657 Cr	14,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹655 Cr	14,000
Canara Bank Domestic Bonds \| -	1%	₹375 Cr	8,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹373 Cr	8,000 ↑ 8,000

2. Franklin India Savings Fund

(Erstwhile Franklin India Savings Plus Fund Retail Option)

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

Research Highlights for Franklin India Savings Fund

Bottom quartile AUM (₹3,898 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.22% (top quartile).
1M return: 0.61% (bottom quartile).
Sharpe: 2.24 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.89% (upper mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.47 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Call, Cash & Other Assets (~9.0%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (20 Feb 26)	₹52.2167 ↑ 0.02 (0.03 %)
Net Assets (Cr)	₹3,898 on 31 Jan 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	2.24
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.89%
Effective Maturity	5 Months 19 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,367
31 Jan 23	₹10,850
31 Jan 24	₹11,651
31 Jan 25	₹12,539
31 Jan 26	₹13,439

Franklin India Savings Fund SIP Returns

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

Returns for Franklin India Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.2%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.33 Yr.
Rohan Maru	10 Oct 24	1.31 Yr.
Chandni Gupta	30 Apr 24	1.76 Yr.

Data below for Franklin India Savings Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	99.6%
Debt	0.13%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	42.08%
Corporate	41.4%
Government	16.25%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹224 Cr	22,500,000
Punjab National Bank Domestic Bonds \| -	3%	₹104 Cr	2,100
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹74 Cr	1,500
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹50 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹50 Cr	1,000
08.39 RJ UDAY 2026 Domestic Bonds \| -	1%	₹30 Cr	2,860,000
HDFC Bank Ltd. Debentures \| -	1%	₹25 Cr	500
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹10 Cr	8,992 ↑ 8,992
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Call, Cash & Other Assets CBLO \| -	9%	₹352 Cr

3. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

Research Highlights for UTI Money Market Fund

Lower mid AUM (₹20,497 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.22% (upper mid).
1M return: 0.61% (lower mid).
Sharpe: 2.26 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.96% (top quartile).
Modified duration: 0.41 yrs (lower mid).
Average maturity: 0.41 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding Canara Bank (~3.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (20 Feb 26)	₹3,210.02 ↑ 1.02 (0.03 %)
Net Assets (Cr)	₹20,497 on 15 Feb 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.26
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.96%
Effective Maturity	4 Months 26 Days
Modified Duration	4 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,388
31 Jan 23	₹10,922
31 Jan 24	₹11,744
31 Jan 25	₹12,648
31 Jan 26	₹13,554

UTI Money Market Fund SIP Returns

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

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.2%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.4%
2021	4.9%
2020	3.7%
2019	6%
2018	8%
2017	7.8%
2016	6.7%
2015	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.17 Yr.
Amit Sharma	7 Jul 17	8.58 Yr.

Data below for UTI Money Market Fund as on 15 Feb 26

Asset Allocation

Asset Class	Value
Cash	68.52%
Debt	31.21%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	43.56%
Cash Equivalent	35.9%
Government	20.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	3%	₹684 Cr	7,000,000,000
Indusind Bank Ltd. Debentures \| -	3%	₹538 Cr	5,500,000,000
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹497 Cr	5,000,000,000
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹490 Cr	5,000,000,000 ↑ 5,000,000,000
Union Bank of India Domestic Bonds \| -	2%	₹392 Cr	4,000,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹373 Cr	4,000,000,000 ↑ 4,000,000,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹345 Cr	3,500,000,000 ↑ 3,500,000,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹344 Cr	3,500,000,000
Export-Import Bank of India Domestic Bonds \| -	1%	₹280 Cr	3,000,000,000 ↑ 3,000,000,000
Bank Of Maharashtra Domestic Bonds \| -	1%	₹211 Cr	2,250,000,000 ↓ -250,000,000

4. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Research Highlights for Nippon India Money Market Fund

Lower mid AUM (₹21,699 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.17% (upper mid).
1M return: 0.63% (top quartile).
Sharpe: 2.08 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.48% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).
Average maturity: 0.42 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~3.2%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (20 Feb 26)	₹4,318.57 ↑ 1.47 (0.03 %)
Net Assets (Cr)	₹21,699 on 31 Jan 26
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.48%
Effective Maturity	5 Months 3 Days
Modified Duration	4 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,391
31 Jan 23	₹10,933
31 Jan 24	₹11,746
31 Jan 25	₹12,651
31 Jan 26	₹13,549

Nippon India Money Market Fund SIP Returns

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

Returns for Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.2%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.8%
2022	7.4%
2021	5%
2020	3.8%
2019	6%
2018	8.1%
2017	7.9%
2016	6.6%
2015	7.6%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	7.55 Yr.
Vikash Agarwal	14 Sep 24	1.38 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Money Market Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	79.21%
Debt	20.52%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	47.71%
Corporate	43.47%
Government	8.56%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	3%	₹699 Cr	15,000 ↑ 15,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹443 Cr	45,000,000
Small Industries Development Bank of India Debentures \| -	2%	₹398 Cr	8,500
Bank of Baroda Debentures \| -	2%	₹367 Cr	7,500
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹303 Cr	6,500 ↑ 6,500
Small Industries Development Bank of India Debentures \| -	1%	₹286 Cr	6,000
Union Bank of India Domestic Bonds \| -	1%	₹258 Cr	5,500 ↑ 5,500
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹249 Cr	25,000,000
Canara Bank Domestic Bonds \| -	1%	₹234 Cr	5,000
IDFC First Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000

5. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Research Highlights for Tata Money Market Fund

Highest AUM (₹37,939 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.14% (lower mid).
1M return: 0.63% (upper mid).
Sharpe: 2.11 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (bottom quartile).
Modified duration: 0.01 yrs (top quartile).
Average maturity: 0.01 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.6%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (20 Feb 26)	₹4,912.72 ↑ 1.88 (0.04 %)
Net Assets (Cr)	₹37,939 on 15 Feb 26
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	2.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.35%
Effective Maturity	5 Days
Modified Duration	5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,402
31 Jan 23	₹10,926
31 Jan 24	₹11,741
31 Jan 25	₹12,643
31 Jan 26	₹13,540

Tata Money Market Fund SIP Returns

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

Returns for Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.1%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.4%
2021	4.8%
2020	3.9%
2019	6.4%
2018	8.1%
2017	-0.1%
2016	6.7%
2015	7.6%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	12.3 Yr.

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

Asset Allocation

Asset Class	Value
Cash	88.99%
Debt	10.72%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	50.92%
Cash Equivalent	42.92%
Government	5.86%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹1,204 Cr	122,000,000 ↑ 122,000,000
Indian Bank Domestic Bonds \| -	3%	₹957 Cr	20,000
Indusind Bank Ltd. Debentures \| -	2%	₹746 Cr	16,000 ↑ 16,000
Indusind Bank Ltd. Debentures \| -	2%	₹586 Cr	12,000
Tbill Sovereign Bonds \| -	2%	₹583 Cr	59,000,000 ↑ 59,000,000
26/03/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹496 Cr	50,000,000 ↑ 50,000,000
26/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹377 Cr	38,000,000 ↑ 38,000,000
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹331 Cr	33,500,000 ↑ 33,500,000
Indusind Bank Ltd. Debentures \| -	1%	₹293 Cr	6,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹198 Cr	20,000,000

6. Kotak Money Market Scheme

(Erstwhile Kotak Floater Short Term Fund)

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

Research Highlights for Kotak Money Market Scheme

Upper mid AUM (₹32,870 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.14% (lower mid).
1M return: 0.62% (upper mid).
Sharpe: 2.13 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.99% (top quartile).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.44 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding 08/05/2026 Maturing 182 DTB (~2.7%).

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (20 Feb 26)	₹4,672.75 ↑ 1.52 (0.03 %)
Net Assets (Cr)	₹32,870 on 31 Jan 26
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	2.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	5 Months 8 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,383
31 Jan 23	₹10,911
31 Jan 24	₹11,718
31 Jan 25	₹12,618
31 Jan 26	₹13,510

Kotak Money Market Scheme SIP Returns

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

Returns for Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.1%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	19.27 Yr.
Manu Sharma	1 Nov 22	3.25 Yr.

Data below for Kotak Money Market Scheme as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	81.55%
Debt	18.17%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	47.66%
Cash Equivalent	37.99%
Government	14.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹887 Cr	90,000,000 ↑ 90,000,000
Indusind Bank Ltd. Debentures \| -	2%	₹698 Cr	75,000 ↑ 75,000
Bank of Baroda Debentures \| -	2%	₹686 Cr	70,000 ↑ 70,000
Indusind Bank Ltd. Debentures \| -	2%	₹684 Cr	70,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹664 Cr	67,500,000
19/03/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹596 Cr	60,000,000 ↑ 60,000,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	2%	₹500 Cr	50,000,000 ↓ -15,000,000
Bank of Baroda Debentures \| -	1%	₹490 Cr	50,000
Punjab National Bank Domestic Bonds \| -	1%	₹468 Cr	50,000 ↑ 50,000
UCO Bank Domestic Bonds \| -	1%	₹343 Cr	35,000

7. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

Upper mid AUM (₹33,210 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.13% (bottom quartile).
1M return: 0.62% (lower mid).
Sharpe: 2.12 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 0.38 yrs (upper mid).
Average maturity: 0.41 yrs (upper mid).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding Union Bank of India (~1.6%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (20 Feb 26)	₹5,946.74 ↑ 1.78 (0.03 %)
Net Assets (Cr)	₹33,210 on 31 Jan 26
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	2.12
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	4 Months 26 Days
Modified Duration	4 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,389
31 Jan 23	₹10,905
31 Jan 24	₹11,706
31 Jan 25	₹12,603
31 Jan 26	₹13,493

HDFC Money Market Fund SIP Returns

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

Returns for HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.1%
3 Year	7.4%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	1.42 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

Data below for HDFC Money Market Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	91.03%
Debt	8.7%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	50.65%
Corporate	40.36%
Government	8.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Union Bank of India Domestic Bonds \| -	2%	₹539 Cr	11,000
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹498 Cr	50,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹487 Cr	10,000
7.35% Gujarat Sgs 2026 Sovereign Bonds \| -	1%	₹481 Cr	48,000,000
Bank Of Maharashtra Domestic Bonds \| -	1%	₹469 Cr	10,000
Punjab National Bank Domestic Bonds \| -	1%	₹446 Cr	9,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹444 Cr	45,000,000 ↑ 45,000,000
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹348 Cr	35,000,000
12/02/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹300 Cr	30,000,000
27/02/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹299 Cr	30,000,000 ↑ 30,000,000

8. Bandhan Money Manager Fund

(Erstwhile IDFC Money Manager Fund - Treasury Plan)

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

Research Highlights for Bandhan Money Manager Fund

Bottom quartile AUM (₹15,694 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.10% (bottom quartile).
1M return: 0.59% (bottom quartile).
Sharpe: 2.37 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.70% (lower mid).
Modified duration: 0.33 yrs (top quartile).
Average maturity: 0.33 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding Union Bank of India (~3.7%).

Below is the key information for Bandhan Money Manager Fund

Bandhan Money Manager Fund Growth
Launch Date	18 Feb 03
NAV (20 Feb 26)	₹41.9334 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹15,694 on 31 Jan 26
Category	Debt - Money Market
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.58
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.7%
Effective Maturity	3 Months 28 Days
Modified Duration	3 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,308
31 Jan 23	₹10,746
31 Jan 24	₹11,472
31 Jan 25	₹12,299
31 Jan 26	₹13,172

Bandhan Money Manager Fund SIP Returns

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

Returns for Bandhan Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	2.9%
1 Year	7.1%
3 Year	7%
5 Year	5.7%
10 Year
15 Year
Since launch	6.4%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for Bandhan Money Manager Fund

Name	Since	Tenure
Gautam Kaul	1 Dec 21	4.17 Yr.
Brijesh Shah	12 Jul 21	4.56 Yr.

Data below for Bandhan Money Manager Fund as on 31 Jan 26

Asset Allocation

Asset Class	Value
Cash	82.45%
Debt	17.33%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	46.08%
Cash Equivalent	32.19%
Government	21.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Union Bank of India Domestic Bonds \| -	4%	₹587 Cr	60,000,000
Tbill Sovereign Bonds \| -	3%	₹442 Cr	45,000,000 ↑ 45,000,000
Tbill Sovereign Bonds \| -	3%	₹435 Cr	46,000,000 ↑ 46,000,000
Canara Bank Domestic Bonds \| -	2%	₹348 Cr	35,000,000
28/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹246 Cr	25,000,000
Union Bank of India Domestic Bonds \| -	1%	₹223 Cr	22,500,000 ↑ 22,500,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹207 Cr	21,000,000
Bank of Baroda Debentures \| -	1%	₹147 Cr	15,000,000
14/05/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹117 Cr	11,861,000
7.19% Gujarat Sdl 2027 Sovereign Bonds \| -	1%	₹101 Cr	10,000,000 ↑ 10,000,000

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