മികച്ച മണി മാർക്കറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ 2022

Updated on December 20, 2025 , 43653 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	₹3,180.26 ↑ 1.59	₹22,198	0.5	1.5	3.1	7.5	7.7	6.19%	4M 12D	4M 12D
Franklin India Savings Fund Growth	₹51.7181 ↑ 0.03	₹4,422	0.5	1.5	3	7.5	7.7	6.17%	3M 14D	3M 22D
ICICI Prudential Money Market Fund Growth	₹391.286 ↑ 0.20	₹35,579	0.5	1.5	3	7.5	7.7	6.15%	3M 17D	3M 25D
Nippon India Money Market Fund Growth	₹4,278.91 ↑ 1.99	₹24,239	0.4	1.4	3	7.5	7.8	6.27%	4M 27D	5M 7D
Tata Money Market Fund Growth	₹4,866.79 ↑ 2.07	₹41,197	0.4	1.4	3	7.4	7.7	0%
Kotak Money Market Scheme Growth	₹4,628.97 ↑ 2.22	₹37,667	0.4	1.5	3	7.4	7.7	6.2%	4M 24D	4M 24D
Aditya Birla Sun Life Money Manager Fund Growth	₹381.403 ↑ 0.18	₹32,599	0.4	1.4	3	7.4	7.8	6.32%	5M 23D	5M 26D
HDFC Money Market Fund Growth	₹5,891.03 ↑ 2.88	₹37,517	0.4	1.4	3	7.4	7.7	6.19%	3M 20D	3M 27D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Dec 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Money Market Fund	Franklin India Savings Fund	ICICI Prudential Money Market Fund	Nippon India Money Market Fund	Tata Money Market Fund	Kotak Money Market Scheme	Aditya Birla Sun Life Money Manager Fund	HDFC Money Market Fund
Point 1	Bottom quartile AUM (₹22,198 Cr).	Bottom quartile AUM (₹4,422 Cr).	Upper mid AUM (₹35,579 Cr).	Lower mid AUM (₹24,239 Cr).	Highest AUM (₹41,197 Cr).	Top quartile AUM (₹37,667 Cr).	Lower mid AUM (₹32,599 Cr).	Upper mid AUM (₹37,517 Cr).
Point 2	Established history (16+ yrs).	Established history (23+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Established history (20+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Top rated.	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: 7.53% (top quartile).	1Y return: 7.49% (top quartile).	1Y return: 7.49% (upper mid).	1Y return: 7.47% (upper mid).	1Y return: 7.44% (lower mid).	1Y return: 7.43% (lower mid).	1Y return: 7.43% (bottom quartile).	1Y return: 7.41% (bottom quartile).
Point 6	1M return: 0.46% (upper mid).	1M return: 0.46% (top quartile).	1M return: 0.46% (top quartile).	1M return: 0.43% (lower mid).	1M return: 0.43% (bottom quartile).	1M return: 0.44% (lower mid).	1M return: 0.42% (bottom quartile).	1M return: 0.45% (upper mid).
Point 7	Sharpe: 3.06 (top quartile).	Sharpe: 2.80 (bottom quartile).	Sharpe: 2.82 (lower mid).	Sharpe: 2.94 (upper mid).	Sharpe: 2.94 (upper mid).	Sharpe: 2.87 (lower mid).	Sharpe: 3.16 (top quartile).	Sharpe: 2.74 (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): 6.19% (upper mid).	Yield to maturity (debt): 6.17% (lower mid).	Yield to maturity (debt): 6.15% (bottom quartile).	Yield to maturity (debt): 6.27% (top quartile).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.20% (upper mid).	Yield to maturity (debt): 6.32% (top quartile).	Yield to maturity (debt): 6.19% (lower mid).
Point 10	Modified duration: 0.37 yrs (lower mid).	Modified duration: 0.29 yrs (top quartile).	Modified duration: 0.30 yrs (upper mid).	Modified duration: 0.41 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.40 yrs (lower mid).	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.31 yrs (upper mid).

UTI Money Market Fund

Bottom quartile AUM (₹22,198 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.53% (top quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.06 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (upper mid).
Modified duration: 0.37 yrs (lower mid).

Franklin India Savings Fund

Bottom quartile AUM (₹4,422 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.49% (top quartile).
1M return: 0.46% (top quartile).
Sharpe: 2.80 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.17% (lower mid).
Modified duration: 0.29 yrs (top quartile).

ICICI Prudential Money Market Fund

Upper mid AUM (₹35,579 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.49% (upper mid).
1M return: 0.46% (top quartile).
Sharpe: 2.82 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.30 yrs (upper mid).

Nippon India Money Market Fund

Lower mid AUM (₹24,239 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.47% (upper mid).
1M return: 0.43% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.27% (top quartile).
Modified duration: 0.41 yrs (bottom quartile).

Tata Money Market Fund

Highest AUM (₹41,197 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.44% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Kotak Money Market Scheme

Top quartile AUM (₹37,667 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.43% (lower mid).
1M return: 0.44% (lower mid).
Sharpe: 2.87 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.20% (upper mid).
Modified duration: 0.40 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹32,599 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.43% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 3.16 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.32% (top quartile).
Modified duration: 0.48 yrs (bottom quartile).

HDFC Money Market Fund

Upper mid AUM (₹37,517 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.41% (bottom quartile).
1M return: 0.45% (upper mid).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.31 yrs (upper 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 (₹22,198 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.53% (top quartile).
1M return: 0.46% (upper mid).
Sharpe: 3.06 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (upper mid).
Modified duration: 0.37 yrs (lower mid).
Average maturity: 0.37 yrs (lower mid).
Exit load: NIL.
Top sector: Real Estate.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~77%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~2.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (22 Dec 25)	₹3,180.26 ↑ 1.59 (0.05 %)
Net Assets (Cr)	₹22,198 on 30 Nov 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.06
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	4 Months 12 Days
Modified Duration	4 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,373
30 Nov 22	₹10,853
30 Nov 23	₹11,660
30 Nov 24	₹12,559
30 Nov 25	₹13,512

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 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.1%
1 Year	7.5%
3 Year	7.6%
5 Year	6.2%
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	4 Yr.
Amit Sharma	7 Jul 17	8.41 Yr.

Data below for UTI Money Market Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	77.2%
Debt	22.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	50.63%
Cash Equivalent	32.86%
Government	16.27%

Credit Quality

Rating	Value
A	0.45%
AAA	99.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	2%	₹533 Cr	5,500,000,000 ↑ 5,500,000,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	2%	₹493 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹492 Cr	5,000,000,000
Union Bank of India Domestic Bonds \| -	2%	₹389 Cr	4,000,000,000 ↑ 4,000,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	1%	₹286 Cr	3,000,000,000 ↑ 3,000,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹284 Cr	3,000,000,000 ↑ 3,000,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹246 Cr	2,500,000,000
India (Republic of) - \| -	1%	₹246 Cr	2,500,000,000 ↑ 2,500,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹243 Cr	2,500,000,000 ↑ 2,500,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000

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 (₹4,422 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.49% (top quartile).
1M return: 0.46% (top quartile).
Sharpe: 2.80 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.17% (lower mid).
Modified duration: 0.29 yrs (top quartile).
Average maturity: 0.31 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding 364 Days Tbill (Md 05/03/2026) (~5.4%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (22 Dec 25)	₹51.7181 ↑ 0.03 (0.05 %)
Net Assets (Cr)	₹4,422 on 30 Nov 25
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	2.8
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.17%
Effective Maturity	3 Months 22 Days
Modified Duration	3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,357
30 Nov 22	₹10,784
30 Nov 23	₹11,568
30 Nov 24	₹12,447
30 Nov 25	₹13,387

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 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	7.5%
3 Year	7.5%
5 Year	6%
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	2.16 Yr.
Rohan Maru	10 Oct 24	1.14 Yr.
Chandni Gupta	30 Apr 24	1.59 Yr.

Data below for Franklin India Savings Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	98.44%
Debt	1.33%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.25%
Corporate	27.56%
Government	19.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	5%	₹222 Cr	22,500,000
Canara Bank Domestic Bonds \| -	5%	₹198 Cr	4,000
364 DTB 22012026 Sovereign Bonds \| -	3%	₹127 Cr	12,816,500
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹74 Cr	1,500
Punjab National Bank Domestic Bonds \| -	1%	₹50 Cr	1,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹49 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹49 Cr	1,000
08.39 RJ UDAY 2026 Domestic Bonds \| -	1%	₹29 Cr	2,860,000
08.43 AS Sdl 2026 Sovereign Bonds \| -	1%	₹21 Cr	2,000,000
India (Republic of) - \| -	0%	₹20 Cr	2,000,000

3. 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

Upper mid AUM (₹35,579 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.49% (upper mid).
1M return: 0.46% (top quartile).
Sharpe: 2.82 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.30 yrs (upper mid).
Average maturity: 0.32 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~90%).
High-quality debt (AAA/AA ~98%).
Largest holding India (Republic of) (~6.5%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (22 Dec 25)	₹391.286 ↑ 0.20 (0.05 %)
Net Assets (Cr)	₹35,579 on 15 Dec 25
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.82
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.15%
Effective Maturity	3 Months 25 Days
Modified Duration	3 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,368
30 Nov 22	₹10,828
30 Nov 23	₹11,625
30 Nov 24	₹12,521
30 Nov 25	₹13,464

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 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	7.5%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.1%

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	2.47 Yr.
Nikhil Kabra	3 Aug 16	9.33 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	90.4%
Debt	9.37%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.59%
Corporate	41.11%
Government	15.07%

Credit Quality

Rating	Value
AAA	98.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹2,304 Cr	233,500,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	4%	₹1,299 Cr	131,500,000
Bank of Baroda Debentures \| -	2%	₹593 Cr	12,000
Bank of Baroda Debentures \| -	1%	₹470 Cr	9,500
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹346 Cr	35,000,000
364 DTB 15012026 Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
India (Republic of) - \| -	1%	₹249 Cr	25,000,000
Union Bank of India Domestic Bonds \| -	1%	₹243 Cr	5,000
Bank of India Ltd. Debentures \| -	1%	₹243 Cr	5,000
HDFC Bank Ltd. Debentures \| -	1%	₹197 Cr	4,000

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 (₹24,239 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.47% (upper mid).
1M return: 0.43% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.27% (top quartile).
Modified duration: 0.41 yrs (bottom quartile).
Average maturity: 0.44 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding Treasury Bill (~1.8%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (22 Dec 25)	₹4,278.91 ↑ 1.99 (0.05 %)
Net Assets (Cr)	₹24,239 on 15 Dec 25
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.94
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.27%
Effective Maturity	5 Months 7 Days
Modified Duration	4 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,377
30 Nov 22	₹10,865
30 Nov 23	₹11,667
30 Nov 24	₹12,567
30 Nov 25	₹13,516

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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3%
1 Year	7.5%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

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	7.38 Yr.
Vikash Agarwal	14 Sep 24	1.21 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Money Market Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	87.41%
Debt	12.35%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	53.41%
Corporate	35.47%
Government	10.88%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treasury Bill Sovereign Bonds \| -	2%	₹440 Cr	45,000,000
Bank of Baroda Debentures \| -	2%	₹365 Cr	7,500
Small Industries Development Bank of India Debentures \| -	1%	₹284 Cr	6,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹247 Cr	25,000,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹247 Cr	25,000,000
Bank of India Ltd. Debentures \| -	1%	₹243 Cr	5,000
07.36 UK Gs 2033 Sovereign Bonds \| -	1%	₹229 Cr	22,783,400
Indian Bank Domestic Bonds \| -	1%	₹222 Cr	4,500
Treasury Bills Sovereign Bonds \| -	1%	₹197 Cr	20,000,000
Bank of India Ltd. Debentures \| -	1%	₹195 Cr	4,000

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 (₹41,197 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.44% (lower mid).
1M return: 0.43% (bottom quartile).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~78%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~5.7%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (22 Dec 25)	₹4,866.79 ↑ 2.07 (0.04 %)
Net Assets (Cr)	₹41,197 on 15 Dec 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	2.94
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,389
30 Nov 22	₹10,858
30 Nov 23	₹11,659
30 Nov 24	₹12,556
30 Nov 25	₹13,501

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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
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	12.13 Yr.

Data below for Tata Money Market Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	77.86%
Debt	21.92%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	41.39%
Corporate	39.88%
Government	18.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	6%	₹2,361 Cr	236,000,000
Treasury Bill Sovereign Bonds \| -	4%	₹1,548 Cr	162,500,000 ↑ 162,500,000
Indian Bank Domestic Bonds \| -	2%	₹953 Cr	20,000
Small Industries Development Bank of India Debentures \| -	2%	₹945 Cr	20,000
Indusind Bank Ltd. Debentures \| -	1%	₹583 Cr	12,000
Canara Bank Domestic Bonds \| -	1%	₹546 Cr	11,000
364 DTB 19mar2026 Sovereign Bonds \| -	1%	₹493 Cr	50,000,000
India (Republic of) - \| -	1%	₹375 Cr	38,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹292 Cr	6,000
Indusind Bank Ltd. Debentures \| -	1%	₹247 Cr	5,000

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

Top quartile AUM (₹37,667 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.43% (lower mid).
1M return: 0.44% (lower mid).
Sharpe: 2.87 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.20% (upper mid).
Modified duration: 0.40 yrs (lower mid).
Average maturity: 0.40 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~2.3%).

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (22 Dec 25)	₹4,628.97 ↑ 2.22 (0.05 %)
Net Assets (Cr)	₹37,667 on 15 Dec 25
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	2.87
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.2%
Effective Maturity	4 Months 24 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,366
30 Nov 22	₹10,840
30 Nov 23	₹11,634
30 Nov 24	₹12,529
30 Nov 25	₹13,467

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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
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	19.1 Yr.
Manu Sharma	1 Nov 22	3.08 Yr.

Data below for Kotak Money Market Scheme as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	82.45%
Debt	17.32%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	47.8%
Cash Equivalent	35.9%
Government	16.06%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	2%	₹881 Cr	90,000,000
Indusind Bank Ltd. Debentures \| -	2%	₹680 Cr	70,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹660 Cr	67,500,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	2%	₹645 Cr	65,000,000
India (Republic of) - \| -	2%	₹592 Cr	60,000,000
364 DTB 29012026 Sovereign Bonds \| -	1%	₹497 Cr	50,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹492 Cr	50,000
Bank of Baroda Debentures \| -	1%	₹487 Cr	50,000
Bank of India Ltd. Debentures \| -	1%	₹487 Cr	50,000
Federal Bank Ltd. Debentures \| -	1%	₹462 Cr	47,500 ↓ -2,500

7. 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 (₹32,599 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.43% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 3.16 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.32% (top quartile).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.49 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~88%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~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 (22 Dec 25)	₹381.403 ↑ 0.18 (0.05 %)
Net Assets (Cr)	₹32,599 on 15 Dec 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.16
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.32%
Effective Maturity	5 Months 26 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,382
30 Nov 22	₹10,856
30 Nov 23	₹11,663
30 Nov 24	₹12,565
30 Nov 25	₹13,510

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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
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	14.39 Yr.
Anuj Jain	22 Mar 21	4.7 Yr.
Mohit Sharma	1 Apr 17	8.67 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	87.73%
Debt	12.04%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.05%
Corporate	34.34%
Government	13.39%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	2%	₹770 Cr	77,000,000
India (Republic of) - \| -	2%	₹495 Cr	50,000,000
India (Republic of) - \| -	1%	₹383 Cr	40,000,000
07.49 GJ Sgs 2026 Sovereign Bonds \| -	1%	₹329 Cr	32,500,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹240 Cr	24,000,000
07.57 GJ Sgs 2026 Sovereign Bonds \| -	1%	₹239 Cr	23,500,000 ↑ 23,500,000
Treasury Bill Sovereign Bonds \| -	1%	₹238 Cr	25,000,000
Karur Vysya Bank Ltd. Debentures \| -	1%	₹235 Cr	5,000 ↑ 5,000
India (Republic of) - \| -	1%	₹216 Cr	22,500,000
Union Bank of India Domestic Bonds \| -	1%	₹195 Cr	4,000

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 (₹37,517 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.41% (bottom quartile).
1M return: 0.45% (upper mid).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.31 yrs (upper mid).
Average maturity: 0.33 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding Canara Bank (~3.1%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (22 Dec 25)	₹5,891.03 ↑ 2.88 (0.05 %)
Net Assets (Cr)	₹37,517 on 30 Nov 25
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	2.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	3 Months 27 Days
Modified Duration	3 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,375
30 Nov 22	₹10,836
30 Nov 23	₹11,626
30 Nov 24	₹12,515
30 Nov 25	₹13,448

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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	3%
1 Year	7.4%
3 Year	7.4%
5 Year	6.1%
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	1.25 Yr.
Dhruv Muchhal	22 Jun 23	2.44 Yr.

Data below for HDFC Money Market Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	86.43%
Debt	13.32%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	45.79%
Cash Equivalent	36.95%
Government	17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	3%	₹1,092 Cr	22,000
Punjab National Bank Domestic Bonds \| -	2%	₹689 Cr	14,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹494 Cr	50,000,000
Union Bank of India Domestic Bonds \| -	1%	₹487 Cr	10,000
IDFC First Bank Ltd. Debentures \| -	1%	₹484 Cr	10,000
07.35 GJ Sdl 2026 Sovereign Bonds \| -	1%	₹482 Cr	48,000,000
India (Republic of) - \| -	1%	₹392 Cr	40,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹346 Cr	35,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹298 Cr	30,000,000
India (Republic of) - \| -	1%	₹297 Cr	30,000,000 ↑ 30,000,000

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