മികച്ച മണി മാർക്കറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on September 3, 2025 , 43533 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
UTI Money Market Fund Growth	₹3,125.19 ↑ 0.48	₹20,554	0.4	1.6	4.2	7.9	7.7	6.16%	6M 20D	6M 20D
Franklin India Savings Fund Growth	₹50.8344 ↑ 0.01	₹4,080	0.4	1.5	4.2	7.9	7.7	6.08%	5M 26D	6M 7D
Nippon India Money Market Fund Growth	₹4,206.58 ↑ 0.65	₹22,461	0.4	1.6	4.2	7.9	7.8	6.22%	6M 10D	6M 22D
ICICI Prudential Money Market Fund Growth	₹384.578 ↑ 0.06	₹36,942	0.4	1.6	4.2	7.9	7.7	6.1%	5M 24D	6M 6D
Aditya Birla Sun Life Money Manager Fund Growth	₹374.97 ↑ 0.06	₹29,515	0.4	1.6	4.1	7.8	7.8	6.17%	5M 19D	5M 19D
Tata Money Market Fund Growth	₹4,784.99 ↑ 0.72	₹41,235	0.4	1.6	4.1	7.8	7.7	6.16%	6M 7D	6M 7D
Kotak Money Market Scheme Growth	₹4,550.27 ↑ 0.71	₹35,215	0.4	1.5	4.1	7.8	7.7	6.14%	6M 11D	6M 11D
HDFC Money Market Fund Growth	₹5,791.82 ↑ 0.91	₹36,814	0.4	1.5	4.1	7.8	7.7	6.19%	6M 7D	6M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Sep 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Money Market Fund	Franklin India Savings Fund	Nippon India Money Market Fund	ICICI Prudential Money Market Fund	Aditya Birla Sun Life Money Manager Fund	Tata Money Market Fund	Kotak Money Market Scheme	HDFC Money Market Fund
Point 1	Bottom quartile AUM (₹20,554 Cr).	Bottom quartile AUM (₹4,080 Cr).	Lower mid AUM (₹22,461 Cr).	Top quartile AUM (₹36,942 Cr).	Lower mid AUM (₹29,515 Cr).	Highest AUM (₹41,235 Cr).	Upper mid AUM (₹35,215 Cr).	Upper mid AUM (₹36,814 Cr).
Point 2	Established history (16+ yrs).	Established history (23+ yrs).	Established history (20+ yrs).	Established history (19+ yrs).	Established history (19+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Oldest track record among peers (25 yrs).
Point 3	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	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: Low.
Point 5	1Y return: 7.91% (top quartile).	1Y return: 7.89% (top quartile).	1Y return: 7.88% (upper mid).	1Y return: 7.88% (upper mid).	1Y return: 7.84% (lower mid).	1Y return: 7.84% (lower mid).	1Y return: 7.82% (bottom quartile).	1Y return: 7.81% (bottom quartile).
Point 6	1M return: 0.42% (upper mid).	1M return: 0.41% (bottom quartile).	1M return: 0.42% (upper mid).	1M return: 0.42% (lower mid).	1M return: 0.43% (top quartile).	1M return: 0.42% (top quartile).	1M return: 0.42% (lower mid).	1M return: 0.41% (bottom quartile).
Point 7	Sharpe: 3.26 (top quartile).	Sharpe: 3.04 (bottom quartile).	Sharpe: 3.11 (upper mid).	Sharpe: 3.08 (lower mid).	Sharpe: 3.35 (top quartile).	Sharpe: 3.10 (upper mid).	Sharpe: 3.07 (lower mid).	Sharpe: 3.01 (bottom 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): 6.16% (upper mid).	Yield to maturity (debt): 6.08% (bottom quartile).	Yield to maturity (debt): 6.22% (top quartile).	Yield to maturity (debt): 6.10% (bottom quartile).	Yield to maturity (debt): 6.17% (upper mid).	Yield to maturity (debt): 6.16% (lower mid).	Yield to maturity (debt): 6.14% (lower mid).	Yield to maturity (debt): 6.19% (top quartile).
Point 10	Modified duration: 0.56 yrs (bottom quartile).	Modified duration: 0.49 yrs (upper mid).	Modified duration: 0.53 yrs (lower mid).	Modified duration: 0.48 yrs (top quartile).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 0.52 yrs (upper mid).	Modified duration: 0.53 yrs (bottom quartile).	Modified duration: 0.52 yrs (lower mid).

UTI Money Market Fund

Bottom quartile AUM (₹20,554 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.91% (top quartile).
1M return: 0.42% (upper mid).
Sharpe: 3.26 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.16% (upper mid).
Modified duration: 0.56 yrs (bottom quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹4,080 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.89% (top quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 3.04 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.08% (bottom quartile).
Modified duration: 0.49 yrs (upper mid).

Nippon India Money Market Fund

Lower mid AUM (₹22,461 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.88% (upper mid).
1M return: 0.42% (upper mid).
Sharpe: 3.11 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.22% (top quartile).
Modified duration: 0.53 yrs (lower mid).

ICICI Prudential Money Market Fund

Top quartile AUM (₹36,942 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.88% (upper mid).
1M return: 0.42% (lower mid).
Sharpe: 3.08 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.10% (bottom quartile).
Modified duration: 0.48 yrs (top quartile).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹29,515 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.84% (lower mid).
1M return: 0.43% (top quartile).
Sharpe: 3.35 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.17% (upper mid).
Modified duration: 0.47 yrs (top quartile).

Tata Money Market Fund

Highest AUM (₹41,235 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.84% (lower mid).
1M return: 0.42% (top quartile).
Sharpe: 3.10 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.16% (lower mid).
Modified duration: 0.52 yrs (upper mid).

Kotak Money Market Scheme

Upper mid AUM (₹35,215 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.82% (bottom quartile).
1M return: 0.42% (lower mid).
Sharpe: 3.07 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.14% (lower mid).
Modified duration: 0.53 yrs (bottom quartile).

HDFC Money Market Fund

Upper mid AUM (₹36,814 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.81% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 3.01 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (top quartile).
Modified duration: 0.52 yrs (lower mid).

1. 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

Bottom quartile AUM (₹20,554 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.91% (top quartile).
1M return: 0.42% (upper mid).
Sharpe: 3.26 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.16% (upper mid).
Modified duration: 0.56 yrs (bottom quartile).
Average maturity: 0.56 yrs (bottom quartile).
Exit load: NIL.
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~85%).
High-quality debt (AAA/AA ~100%).
Largest holding 364 Days Tbill (Md 05/03/2026) (~2.3%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (05 Sep 25)	₹3,125.19 ↑ 0.48 (0.02 %)
Net Assets (Cr)	₹20,554 on 31 Jul 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.26
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.16%
Effective Maturity	6 Months 20 Days
Modified Duration	6 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,395
31 Aug 22	₹10,811
31 Aug 23	₹11,584
31 Aug 24	₹12,460
31 Aug 25	₹13,450

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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	4.2%
1 Year	7.9%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.75 Yr.
Amit Sharma	7 Jul 17	8.16 Yr.

Data below for UTI Money Market Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	84.8%
Debt	14.95%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	52.23%
Cash Equivalent	24.59%
Government	22.93%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	2%	₹485 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹484 Cr	5,000,000,000
182 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹466 Cr	4,750,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹242 Cr	2,500,000,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹222 Cr	2,255,700,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹195 Cr	2,000,000,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹194 Cr	2,000,000,000
07.00 RJ Sdl 2025 Sovereign Bonds \| -	1%	₹150 Cr	1,500,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹145 Cr	1,500,000,000
Equitas Small Finance Bank Ltd. Debentures \| -	1%	₹144 Cr	1,500,000,000

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 (₹4,080 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.89% (top quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 3.04 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.08% (bottom quartile).
Modified duration: 0.49 yrs (upper mid).
Average maturity: 0.52 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding Export-Import Bank Of India (~6.6%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (05 Sep 25)	₹50.8344 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹4,080 on 31 Jul 25
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	3.04
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.08%
Effective Maturity	6 Months 7 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,370
31 Aug 22	₹10,744
31 Aug 23	₹11,483
31 Aug 24	₹12,338
31 Aug 25	₹13,315

Franklin India 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 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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4.2%
1 Year	7.9%
3 Year	7.4%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.3%
2022	4.4%
2021	3.6%
2020	6%
2019	8.5%
2018	7.5%
2017	7.2%
2016	8.1%
2015	8.3%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	1.91 Yr.
Rohan Maru	10 Oct 24	0.89 Yr.
Chandni Gupta	30 Apr 24	1.34 Yr.

Data below for Franklin India Savings Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	88.09%
Debt	11.67%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	41.85%
Cash Equivalent	32.94%
Government	24.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	5%	₹218 Cr	22,500,000
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹72 Cr	1,500
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	2%	₹70 Cr	7,000,000 ↑ 7,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹48 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹48 Cr	1,000
HDFC Bank Ltd. Debentures \| -	1%	₹48 Cr	1,000
08.39 RJ UDAY 2026 Domestic Bonds \| -	1%	₹30 Cr	2,860,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹9 Cr	8,236
364 DTB 22012026 Sovereign Bonds \| -	0%	₹3 Cr	316,500
Export-Import Bank Of India Certificate of Deposit \| -	7%	₹266 Cr	5,500

3. 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 (₹22,461 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.88% (upper mid).
1M return: 0.42% (upper mid).
Sharpe: 3.11 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.22% (top quartile).
Modified duration: 0.53 yrs (lower mid).
Average maturity: 0.56 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding 364 DTB 27022026 (~1.1%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (05 Sep 25)	₹4,206.58 ↑ 0.65 (0.02 %)
Net Assets (Cr)	₹22,461 on 31 Jul 25
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	3.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.22%
Effective Maturity	6 Months 22 Days
Modified Duration	6 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,400
31 Aug 22	₹10,827
31 Aug 23	₹11,593
31 Aug 24	₹12,471
31 Aug 25	₹13,458

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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	4.2%
1 Year	7.9%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	5%
2021	3.8%
2020	6%
2019	8.1%
2018	7.9%
2017	6.6%
2016	7.6%
2015	8.3%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	7.13 Yr.
Vikash Agarwal	14 Sep 24	0.96 Yr.

Data below for Nippon India Money Market Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	84.06%
Debt	15.69%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	45.88%
Cash Equivalent	33.88%
Government	19.99%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 27022026 Sovereign Bonds \| -	1%	₹243 Cr	25,000,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹243 Cr	25,000,000
07.36 UK Gs 2033 Sovereign Bonds \| -	1%	₹230 Cr	22,783,400
Indian Bank Domestic Bonds \| -	1%	₹217 Cr	4,500
Axis Bank Ltd. Debentures \| -	1%	₹188 Cr	4,000 ↑ 4,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹170 Cr	17,500,000
0% Goi - 16dec25 Strips Sovereign Bonds \| -	1%	₹159 Cr	16,169,400
AU Small Finance Bank Ltd. Debentures \| -	1%	₹143 Cr	3,000
08.36 MH Sdl 2026 Sovereign Bonds \| -	1%	₹137 Cr	13,500,000
08.69 Tn SDL 2026 Sovereign Bonds \| -	1%	₹127 Cr	12,500,000

4. 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 (₹36,942 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.88% (upper mid).
1M return: 0.42% (lower mid).
Sharpe: 3.08 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.10% (bottom quartile).
Modified duration: 0.48 yrs (top quartile).
Average maturity: 0.52 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 364 Days Tbill Red 12-03-2026 (~4.3%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (05 Sep 25)	₹384.578 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹36,942 on 31 Jul 25
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	3.08
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.1%
Effective Maturity	6 Months 6 Days
Modified Duration	5 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,389
31 Aug 22	₹10,787
31 Aug 23	₹11,551
31 Aug 24	₹12,422
31 Aug 25	₹13,404

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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	4.2%
1 Year	7.9%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.4%
2022	4.7%
2021	3.7%
2020	6.2%
2019	7.9%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.3%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	2.22 Yr.
Nikhil Kabra	3 Aug 16	9.08 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	89.86%
Debt	9.93%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	41.37%
Cash Equivalent	37.62%
Government	20.79%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	4%	₹1,614 Cr	166,500,000 ↓ -26,000,000
India (Republic of) - \| -	1%	₹494 Cr	50,000,000 ↑ 50,000,000
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	1%	₹490 Cr	49,500,000 ↓ -500,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹388 Cr	40,000,000 ↓ -2,500,000
Indian Bank Domestic Bonds \| -	1%	₹241 Cr	5,000
HDFC Bank Ltd. Debentures \| -	1%	₹193 Cr	4,000
08.22 Tn SDL 2025dec Sovereign Bonds \| -	0%	₹146 Cr	14,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	0%	₹145 Cr	3,000
08.20 GJ Sdl 2025dec Sovereign Bonds \| -	0%	₹141 Cr	14,000,000
08.59 KA Sdl 2025 Sovereign Bonds \| -	0%	₹141 Cr	14,000,000

5. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹29,515 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.84% (lower mid).
1M return: 0.43% (top quartile).
Sharpe: 3.35 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.17% (upper mid).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.47 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.15% Govt Stock 2025 (~2.4%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (05 Sep 25)	₹374.97 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹29,515 on 31 Jul 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.35
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.17%
Effective Maturity	5 Months 19 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,410
31 Aug 22	₹10,822
31 Aug 23	₹11,594
31 Aug 24	₹12,475
31 Aug 25	₹13,457

Aditya Birla Sun Life Money Manager 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 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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	4.1%
1 Year	7.8%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Anuj Jain	22 Mar 21	4.45 Yr.
Mohit Sharma	1 Apr 17	8.42 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	90.48%
Debt	9.27%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.91%
Corporate	41.88%
Government	13.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.15% Govt Stock 2025 Sovereign Bonds \| -	2%	₹724 Cr	72,500,000 ↓ -2,500,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹504 Cr	50,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹338 Cr	7,000
5.63% Govt Stock 2026 Sovereign Bonds \| -	1%	₹315 Cr	31,500,000
182 Days Tbill Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
India (Republic of) - \| -	1%	₹245 Cr	25,000,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹242 Cr	24,000,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹187 Cr	19,009,500
08.16 KA Sdl 2025 Sovereign Bonds \| -	1%	₹181 Cr	18,000,000
Gs CG 19/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹159 Cr	16,244,600

6. 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 (₹41,235 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.84% (lower mid).
1M return: 0.42% (top quartile).
Sharpe: 3.10 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.16% (lower mid).
Modified duration: 0.52 yrs (upper mid).
Average maturity: 0.52 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~3.5%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (05 Sep 25)	₹4,784.99 ↑ 0.72 (0.02 %)
Net Assets (Cr)	₹41,235 on 31 Jul 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	3.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.16%
Effective Maturity	6 Months 7 Days
Modified Duration	6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,420
31 Aug 22	₹10,826
31 Aug 23	₹11,591
31 Aug 24	₹12,469
31 Aug 25	₹13,450

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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	4.1%
1 Year	7.8%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.4%
2022	4.8%
2021	3.9%
2020	6.4%
2019	8.1%
2018	-0.1%
2017	6.7%
2016	7.6%
2015	8.3%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.88 Yr.

Data below for Tata Money Market Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	80.58%
Debt	19.2%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	44.04%
Cash Equivalent	32.21%
Government	23.52%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹1,465 Cr	146,500,000 ↑ 2,000,000
182 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹956 Cr	97,500,000 ↓ -2,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹852 Cr	88,000,000 ↓ -2,500,000
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹672 Cr	68,000,000 ↓ -7,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹487 Cr	10,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹461 Cr	47,500,000
India (Republic of) - \| -	1%	₹440 Cr	45,000,000 ↓ -25,000,000
08.30 RJ Sdl 2026 Sovereign Bonds \| -	1%	₹429 Cr	42,500,000
India (Republic of) - \| -	1%	₹393 Cr	40,000,000
Bank of Baroda Debentures \| -	1%	₹388 Cr	8,000 ↑ 8,000

7. 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 (₹35,215 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.82% (bottom quartile).
1M return: 0.42% (lower mid).
Sharpe: 3.07 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.14% (lower mid).
Modified duration: 0.53 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding 364 Days Tbill Red 28-05-2026 (~1.8%).

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (05 Sep 25)	₹4,550.27 ↑ 0.71 (0.02 %)
Net Assets (Cr)	₹35,215 on 31 Jul 25
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	3.07
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.14%
Effective Maturity	6 Months 11 Days
Modified Duration	6 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,391
31 Aug 22	₹10,808
31 Aug 23	₹11,564
31 Aug 24	₹12,435
31 Aug 25	₹13,411

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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4.1%
1 Year	7.8%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.3%
2022	4.9%
2021	3.7%
2020	5.7%
2019	8%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	18.84 Yr.
Manu Sharma	1 Nov 22	2.83 Yr.

Data below for Kotak Money Market Scheme as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	81.3%
Debt	18.46%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	49.9%
Cash Equivalent	28.58%
Government	21.28%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹648 Cr	67,500,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	2%	₹633 Cr	65,000,000
5.15% Govt Stock 2025 Sovereign Bonds \| -	1%	₹500 Cr	50,000,000
364 DTB 29012026 Sovereign Bonds \| -	1%	₹488 Cr	50,000,000
Bank of Baroda Debentures \| -	1%	₹485 Cr	50,000 ↑ 50,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹482 Cr	50,000
Federal Bank Ltd. Debentures \| -	1%	₹476 Cr	50,000
364 DTB 04122025 Sovereign Bonds \| -	1%	₹393 Cr	40,000,000
UCO Bank Domestic Bonds \| -	1%	₹334 Cr	35,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹292 Cr	30,000,000

8. 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 (₹36,814 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.81% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 3.01 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (top quartile).
Modified duration: 0.52 yrs (lower mid).
Average maturity: 0.55 yrs (lower mid).
Exit load: NIL.
Top bond sector: Corporate.
Conservative stance with elevated cash (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding Punjab National Bank (~1.6%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (05 Sep 25)	₹5,791.82 ↑ 0.91 (0.02 %)
Net Assets (Cr)	₹36,814 on 31 Jul 25
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	3.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	6 Months 19 Days
Modified Duration	6 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,395
31 Aug 22	₹10,797
31 Aug 23	₹11,552
31 Aug 24	₹12,417
31 Aug 25	₹13,389

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 5 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4.1%
1 Year	7.8%
3 Year	7.4%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.3%
2022	4.7%
2021	3.8%
2020	6.5%
2019	8.1%
2018	7.4%
2017	6.5%
2016	7.5%
2015	8.3%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	1.01 Yr.
Dhruv Muchhal	22 Jun 23	2.2 Yr.

Data below for HDFC Money Market Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	83.84%
Debt	15.91%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	46.54%
Cash Equivalent	30.97%
Government	22.25%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Domestic Bonds \| -	2%	₹579 Cr	12,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹485 Cr	50,000,000
07.35 GJ Sdl 2026 Sovereign Bonds \| -	1%	₹485 Cr	48,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹475 Cr	10,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹339 Cr	35,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹292 Cr	30,000,000
364 Days Tbill Mat 200226 Sovereign Bonds \| -	1%	₹292 Cr	30,000,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	1%	₹244 Cr	25,000,000
08.36 MH Sdl 2026 Sovereign Bonds \| -	1%	₹202 Cr	20,000,000
6.99% Govt Stock 2026 Sovereign Bonds \| -	1%	₹202 Cr	20,000,000

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