+91-22-489139091 വർഷത്തെ നിക്ഷേപത്തിനായുള്ള 9 മികച്ച SIP പ്ലാനുകൾ 2022
മികച്ച SIP പ്ലാനുകൾ? അവരെ എങ്ങനെ തിരഞ്ഞെടുക്കാം? ചിന്തിക്കുമ്പോൾ നിക്ഷേപകരുടെ മനസ്സിൽ ഉണ്ടാകുന്ന പൊതുവായ ചില ചോദ്യങ്ങളാണിത്മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു എ വഴിഎസ്.ഐ.പി അല്ലെങ്കിൽ വ്യവസ്ഥാപിതംനിക്ഷേപ പദ്ധതി.
SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു നിക്ഷേപം നടത്തുമ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകൾ. മാത്രമല്ല, ഒരു SIP മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിനുള്ള ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ.
ഒരു എസ്ഐപിയിൽ നിക്ഷേപിക്കുന്നത് എന്തുകൊണ്ട്?
മ്യൂച്വൽ ഫണ്ടുകളിലെ എസ്ഐപി നിക്ഷേപമാണ് സമ്പാദ്യശീലം വളർത്തിയെടുക്കുന്നതിനുള്ള ഏറ്റവും സൗകര്യപ്രദമായ മാർഗം. മിക്കപ്പോഴും, ഏറ്റവും പുതിയ തലമുറ വരുമാനമുള്ള ആളുകൾ കൂടുതൽ ലാഭിക്കുന്നില്ല. ഒരു സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്മെന്റ് പ്ലാൻ ലഭിക്കുന്നതിന്, പ്രാരംഭ തുക 500 രൂപയിൽ താഴെയുള്ളതിനാൽ, വൻതോതിൽ നിക്ഷേപം ആവശ്യമില്ല, കൂടാതെ ചില ഫണ്ടുകൾ പ്രതിമാസം 100 രൂപയ്ക്ക് എസ്ഐപി വാഗ്ദാനം ചെയ്യുന്നു. ചെറുപ്പം മുതലേ ഒരാൾക്ക് അവരുടെ സമ്പാദ്യം ഒരു നിക്ഷേപമായി മാറ്റുന്നത് ശീലമാക്കാം. SIP, അതുവഴി ഓരോ മാസവും ലാഭിക്കാൻ ഒരു നിശ്ചിത തുക നീക്കിവെക്കുന്നു. അതിനാൽ സ്മാർട് നിക്ഷേപത്തിന്റെ ഏറ്റവും പ്രധാനപ്പെട്ട ഉപകരണങ്ങളിലൊന്നാണ് സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്മെന്റ് പ്ലാനുകൾ.
നിങ്ങൾക്കായി തയ്യാറെടുക്കാൻ SIP-യുടെ സഹായംസാമ്പത്തിക ലക്ഷ്യങ്ങൾ തടസ്സമില്ലാത്ത രീതിയിൽ. ഒരു എസ്ഐപി ഉണ്ടായിരിക്കുന്നത് വളരെ സൗകര്യപ്രദമാണ്, കാരണം മ്യൂച്വൽ ഫണ്ടുകൾക്ക് പേപ്പർ വർക്ക് ഒരു തവണ മാത്രമേ ചെയ്യേണ്ടൂ, അതിനുശേഷം പ്രതിമാസ തുകകൾ ഡെബിറ്റ് ചെയ്യപ്പെടും.ബാങ്ക് ഇടപെടാതെ നേരിട്ട് അക്കൗണ്ട്. തൽഫലമായി, എസ്ഐപിക്ക് മറ്റ് നിക്ഷേപങ്ങൾക്കും സേവിംഗ്സ് ഓപ്ഷനുകൾക്കും ആവശ്യമായ പരിശ്രമങ്ങൾ ആവശ്യമില്ല.
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FY 22 - 23 ലെ 1 വർഷത്തെ നിക്ഷേപത്തിനുള്ള മികച്ച SIP പ്ലാനുകൾ
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹573.935
↑ 0.31 ₹21,467 1,000 1.3 2.9 6.6 7.3 7.4 7.14% 5M 23D 6M 18D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 6.66% 1M 7D 1M 10D ICICI Prudential Ultra Short Term Fund Growth ₹28.9732
↑ 0.02 ₹14,897 1,000 1.4 2.9 6.5 7.1 7.1 7.11% 5M 8D 6M 14D IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 ₹146 500 1.6 3.4 6.4 4.8 6.83% 2M 10D 2M 23D BOI AXA Liquid Fund Growth ₹3,147.51
↑ 0.53 ₹1,915 1,000 1.6 3.1 6.3 7 6.6 6.34% 1M 17D 1M 17D Kotak Savings Fund Growth ₹44.7945
↑ 0.03 ₹16,105 1,000 1.4 2.9 6.2 6.9 6.8 7.12% 5M 23D 6M 18D Indiabulls Liquid Fund Growth ₹2,641.63
↑ 0.43 ₹193 500 1.6 3.1 6.2 6.9 6.6 5.55% 17D 17D Mirae Asset Cash Management Fund Growth ₹2,862.54
↑ 3.35 ₹15,856 1,000 1.6 3 6.2 6.9 6.5 6.35% 1M 17D 1M 18D ICICI Prudential Liquid Fund Growth ₹404.121
↑ 0.58 ₹52,865 99 1.6 3 6.2 6.9 6.5 6.49% 1M 15D 1M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Apr 26 Research Highlights & Commentary of 9 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund IDBI Liquid Fund ICICI Prudential Ultra Short Term Fund IDBI Ultra Short Term Fund BOI AXA Liquid Fund Kotak Savings Fund Indiabulls Liquid Fund Mirae Asset Cash Management Fund ICICI Prudential Liquid Fund Point 1 Top quartile AUM (₹21,467 Cr). Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹14,897 Cr). Bottom quartile AUM (₹146 Cr). Lower mid AUM (₹1,915 Cr). Upper mid AUM (₹16,105 Cr). Bottom quartile AUM (₹193 Cr). Upper mid AUM (₹15,856 Cr). Highest AUM (₹52,865 Cr). Point 2 Oldest track record among peers (22 yrs). Established history (15+ yrs). Established history (14+ yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (21+ yrs). Established history (14+ yrs). Established history (17+ yrs). Established history (20+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 1★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 5★ (top quartile). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.64% (top quartile). 1Y return: 6.55% (top quartile). 1Y return: 6.46% (upper mid). 1Y return: 6.39% (upper mid). 1Y return: 6.25% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.21% (bottom quartile). 1Y return: 6.19% (bottom quartile). 1Y return: 6.18% (bottom quartile). Point 6 1M return: 0.45% (bottom quartile). 1M return: 0.53% (lower mid). 1M return: 0.51% (bottom quartile). 1M return: 0.52% (bottom quartile). 1M return: 0.64% (top quartile). 1M return: 0.54% (lower mid). 1M return: 0.65% (top quartile). 1M return: 0.62% (upper mid). 1M return: 0.63% (upper mid). Point 7 Sharpe: 2.39 (lower mid). Sharpe: 0.20 (bottom quartile). Sharpe: 2.28 (lower mid). Sharpe: -0.57 (bottom quartile). Sharpe: 3.36 (top quartile). Sharpe: 1.80 (bottom quartile). Sharpe: 2.65 (upper mid). Sharpe: 2.61 (upper mid). Sharpe: 2.76 (top quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 1.71 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.47 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.02 (bottom quartile). Point 9 Yield to maturity (debt): 7.14% (top quartile). Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 7.11% (upper mid). Yield to maturity (debt): 6.83% (upper mid). Yield to maturity (debt): 6.34% (bottom quartile). Yield to maturity (debt): 7.12% (top quartile). Yield to maturity (debt): 5.55% (bottom quartile). Yield to maturity (debt): 6.35% (bottom quartile). Yield to maturity (debt): 6.49% (lower mid). Point 10 Modified duration: 0.48 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.44 yrs (bottom quartile). Modified duration: 0.19 yrs (lower mid). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.48 yrs (bottom quartile). Modified duration: 0.05 yrs (top quartile). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.12 yrs (upper mid). Aditya Birla Sun Life Savings Fund
IDBI Liquid Fund
ICICI Prudential Ultra Short Term Fund
IDBI Ultra Short Term Fund
BOI AXA Liquid Fund
Kotak Savings Fund
Indiabulls Liquid Fund
Mirae Asset Cash Management Fund
ICICI Prudential Liquid Fund
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for IDBI Liquid Fund Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. Research Highlights for ICICI Prudential Ultra Short Term Fund Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for IDBI Ultra Short Term Fund Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for BOI AXA Liquid Fund Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on (Erstwhile Kotak Treasury Advantage Fund) The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved. Research Highlights for Kotak Savings Fund Below is the key information for Kotak Savings Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on The investment objective of the scheme
is to generate consistent returns with a
high level of liquidity in a judicious
portfolio mix comprising of money
market and debt instruments. The
Scheme does not guarantee any
returns. Research Highlights for Mirae Asset Cash Management Fund Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Liquid Plan) 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 Liquid Fund Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (02 Apr 26) ₹573.935 ↑ 0.31 (0.05 %) Net Assets (Cr) ₹21,467 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 2.39 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,417 31 Mar 23 ₹10,981 31 Mar 24 ₹11,796 31 Mar 25 ₹12,712 31 Mar 26 ₹13,570 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.9% 1 Year 6.6% 3 Year 7.3% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.9% 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.7 Yr. Kaustubh Gupta 15 Jul 11 14.64 Yr. Monika Gandhi 22 Mar 21 4.94 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 42.74% Debt 56.94% Other 0.32% Debt Sector Allocation
Sector Value Corporate 57.02% Cash Equivalent 26.95% Government 15.71% Credit Quality
Rating Value AA 30.53% AAA 69.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Money Mgr Dir Gr
Investment Fund | -5% ₹1,101 Cr 28,181,297
↑ 28,181,297 Shriram Finance Limited
Debentures | -3% ₹612 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹545 Cr 54,000 Bharti Telecom Limited
Debentures | -2% ₹399 Cr 40,000 Muthoot Finance Limited
Debentures | -2% ₹351 Cr 35,000 Mankind Pharma Limited
Debentures | -1% ₹321 Cr 32,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹303 Cr 30,000 Avanse Financial Services Limited
Debentures | -1% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹297 Cr 30,000 Piramal Finance Limited
Debentures | -1% ₹286 Cr 28,500
↑ 3,500 2. IDBI Liquid Fund
IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (28 Jul 23) ₹2,454.04 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹503 on 30 Jun 23 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.2 Information Ratio -5.96 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,348 31 Mar 23 ₹10,935 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.6% 3 Year 4.5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Data below for IDBI Liquid Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (02 Apr 26) ₹28.9732 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹14,897 on 15 Mar 26 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 7.11% Effective Maturity 6 Months 14 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,396 31 Mar 23 ₹10,949 31 Mar 24 ₹11,737 31 Mar 25 ₹12,601 31 Mar 26 ₹13,426 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.5% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.1% 2024 7.5% 2023 6.9% 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 9.29 Yr. Ritesh Lunawat 15 Jun 17 8.71 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 81.75% Debt 17.96% Other 0.29% Debt Sector Allocation
Sector Value Corporate 57.93% Cash Equivalent 56.29% Credit Quality
Rating Value AA 20.78% AAA 79.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹454 Cr 450 Vedanta Limited
Debentures | -2% ₹353 Cr 35,000 Goi Floating Rate Bond 2028
Sovereign Bonds | -2% ₹311 Cr 30,773,600 Muthoot Finance Limited
Debentures | -2% ₹303 Cr 30,000 Piramal Finance Limited
Debentures | -1% ₹246 Cr 24,500 AU Small Finance Bank Ltd.
Debentures | -1% ₹236 Cr 5,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹201 Cr 20,000 Nuvama Wealth Finance Limited
Debentures | -1% ₹201 Cr 20,000 Motilal Oswal Home Finance Limited
Debentures | -1% ₹201 Cr 20,000 05/03/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹200 Cr 20,000,000 4. IDBI Ultra Short Term Fund
IDBI Ultra Short Term Fund
Growth Launch Date 3 Sep 10 NAV (28 Jul 23) ₹2,424.68 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹146 on 30 Jun 23 Category Debt - Ultrashort Bond AMC IDBI Asset Management Limited Rating ☆ Risk Moderately Low Expense Ratio 0.6 Sharpe Ratio -0.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.83% Effective Maturity 2 Months 23 Days Modified Duration 2 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,401 31 Mar 23 ₹10,950 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 4.8% 5 Year 5.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Ultra Short Term Fund
Name Since Tenure Data below for IDBI Ultra Short Term Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (05 Apr 26) ₹3,147.51 ↑ 0.53 (0.02 %) Net Assets (Cr) ₹1,915 on 28 Feb 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.36 Information Ratio 1.71 Alpha Ratio 0.08 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.34% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,339 31 Mar 23 ₹10,930 31 Mar 24 ₹11,725 31 Mar 25 ₹12,591 31 Mar 26 ₹13,374 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.1% 1 Year 6.3% 3 Year 7% 5 Year 6% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 4.54 Yr. Data below for BOI AXA Liquid Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 99.71% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 57.03% Corporate 36.26% Government 6.43% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -8% ₹149 Cr 15,000,000 Indian Bank
Certificate of Deposit | -5% ₹100 Cr 10,000,000 Repo
CBLO/Reverse Repo | -5% ₹99 Cr Union Bank Of India
Certificate of Deposit | -5% ₹92 Cr 9,300,000
↑ 4,300,000 HDFC Securities Limited
Commercial Paper | -4% ₹80 Cr 8,000,000 Bank Of Baroda
Certificate of Deposit | -4% ₹75 Cr 7,500,000 Canara Bank
Certificate of Deposit | -4% ₹75 Cr 7,500,000 07/05/2026 Maturing 91 DTB
Sovereign Bonds | -4% ₹74 Cr 7,500,000 Export-Import Bank Of India
Certificate of Deposit | -4% ₹74 Cr 7,500,000
↑ 7,500,000 State Bank Of India
Certificate of Deposit | -3% ₹65 Cr 6,500,000 6. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (02 Apr 26) ₹44.7945 ↑ 0.03 (0.06 %) Net Assets (Cr) ₹16,105 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 1.8 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.12% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,344 31 Mar 23 ₹10,881 31 Mar 24 ₹11,642 31 Mar 25 ₹12,480 31 Mar 26 ₹13,272 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.2% 3 Year 6.9% 5 Year 5.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.8% 2024 7.2% 2023 6.8% 2022 4.5% 2021 3.2% 2020 5.8% 2019 7.8% 2018 7.4% 2017 6.7% 2016 8.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 17.89 Yr. Manu Sharma 1 Nov 22 3.33 Yr. Data below for Kotak Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 43.26% Debt 56.45% Other 0.29% Debt Sector Allocation
Sector Value Corporate 54.19% Cash Equivalent 25.02% Government 20.51% Credit Quality
Rating Value AA 13.57% AAA 86.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹579 Cr 57,500 Bank of Baroda
Debentures | -4% ₹564 Cr 60,000 Tamil Nadu (Government of) 0.0654%
- | -3% ₹450 Cr 45,000,000
↑ 45,000,000 6.9% Maharashtra Sgs 2030
Sovereign Bonds | -2% ₹302 Cr 30,000,000
↑ 30,000,000 Mankind Pharma Limited
Debentures | -2% ₹301 Cr 30,000 21/05/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹247 Cr 25,000,000 06/08/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹244 Cr 25,000,000 Small Industries Development Bank of India
Debentures | -1% ₹235 Cr 25,000 HDFC Bank Ltd.
Debentures | -1% ₹234 Cr 25,000
↑ 25,000 Small Industries Development Bank of India
Debentures | -1% ₹234 Cr 25,000
↑ 25,000 7. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (03 Apr 26) ₹2,641.63 ↑ 0.43 (0.02 %) Net Assets (Cr) ₹193 on 15 Mar 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 2.65 Information Ratio -0.47 Alpha Ratio -0.02 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 5.55% Effective Maturity 17 Days Modified Duration 17 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,306 31 Mar 23 ₹10,859 31 Mar 24 ₹11,627 31 Mar 25 ₹12,480 31 Mar 26 ₹13,249 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3.1% 1 Year 6.2% 3 Year 6.9% 5 Year 5.8% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 2.81 Yr. Data below for Indiabulls Liquid Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 99.57% Debt 0.43% Debt Sector Allocation
Sector Value Cash Equivalent 49.42% Corporate 35.43% Government 15.15% Credit Quality
Rating Value AAA 99.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank Of Baroda
Certificate of Deposit | -11% ₹17 Cr 1,750,000 Canara Bank
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Kotak Mahindra Bank Ltd.
Debentures | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Axis Bank Limited
Certificate of Deposit | -9% ₹15 Cr 1,500,000 Aditya Birla Capital Limited
Commercial Paper | -9% ₹15 Cr 1,500,000 Export-Import Bank Of India
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 500,000 HDFC Securities Ltd
Commercial Paper | -9% ₹15 Cr 1,500,000 Reverse Repo 02-Mar-26
CBLO/Reverse Repo | -7% ₹12 Cr Net Receivable/Payable
Net Current Assets | -6% ₹10 Cr India (Republic of)
- | -6% ₹10 Cr 1,000,000
↑ 1,000,000 8. Mirae Asset Cash Management Fund
Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (02 Apr 26) ₹2,862.54 ↑ 3.35 (0.12 %) Net Assets (Cr) ₹15,856 on 15 Mar 26 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.14 Sharpe Ratio 2.61 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.35% Effective Maturity 1 Month 18 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,338 31 Mar 23 ₹10,923 31 Mar 24 ₹11,709 31 Mar 25 ₹12,565 31 Mar 26 ₹13,334 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.3% 2017 6.6% 2016 7.2% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Pranavi Kulkarni 5 Feb 26 0.06 Yr. Data below for Mirae Asset Cash Management Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 99.65% Other 0.35% Debt Sector Allocation
Sector Value Cash Equivalent 61.06% Corporate 37.79% Government 0.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
Net Current Assets | -11% -₹1,416 Cr Union Bank Of India
Certificate of Deposit | -5% ₹641 Cr 65,000,000
↑ 35,000,000 Small Industries Development Bank Of India
Certificate of Deposit | -4% ₹499 Cr 50,000,000 Tbill
Sovereign Bonds | -4% ₹495 Cr 50,000,000
↑ 50,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹424 Cr 42,500,000 Tbill
Sovereign Bonds | -3% ₹403 Cr 40,839,200
↑ 40,839,200 27/03/2026 Maturing 91 DTB
Sovereign Bonds | -3% ₹349 Cr 35,000,000 Tbill
Sovereign Bonds | -3% ₹346 Cr 35,000,000
↑ 35,000,000 ICICI Securities Limited
Commercial Paper | -2% ₹299 Cr 30,000,000 Aditya Birla Capital Limited
Commercial Paper | -2% ₹299 Cr 30,000,000 9. ICICI Prudential Liquid Fund
ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (02 Apr 26) ₹404.121 ↑ 0.58 (0.14 %) Net Assets (Cr) ₹52,865 on 15 Mar 26 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 2.76 Information Ratio -0.02 Alpha Ratio 0.01 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 6.49% Effective Maturity 1 Month 19 Days Modified Duration 1 Month 15 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,333 31 Mar 23 ₹10,911 31 Mar 24 ₹11,694 31 Mar 25 ₹12,549 31 Mar 26 ₹13,314 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 26 Duration Returns 1 Month 0.6% 3 Month 1.6% 6 Month 3% 1 Year 6.2% 3 Year 6.9% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.4% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 2.25 Yr. Darshil Dedhia 12 Jun 23 2.72 Yr. Data below for ICICI Prudential Liquid Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 99.74% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 81.36% Corporate 16.29% Government 2.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -10% ₹5,509 Cr Treps
CBLO/Reverse Repo | -8% ₹4,120 Cr Reverse Repo (3/2/2026)
CBLO/Reverse Repo | -7% ₹3,969 Cr National Bank for Agriculture and Rural Development
Commercial Paper | -5% ₹2,565 Cr 52,000 Axis Bank Ltd.
Debentures | -3% ₹1,481 Cr 30,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹1,480 Cr 30,000 Indusind Bank Limited
Certificate of Deposit | -3% ₹1,477 Cr 30,000 Small Industries Development Bank of India
Commercial Paper | -2% ₹1,231 Cr 25,000
↑ 25,000 National Bank For Agriculture & Rural Development
Commercial Paper | -2% ₹1,182 Cr 24,000 Small Industries Development Bank of India
Commercial Paper | -2% ₹996 Cr 20,000
മ്യൂച്വൽ ഫണ്ട് SIP ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?
Fincash.com-ൽ ആജീവനാന്ത സൗജന്യ നിക്ഷേപ അക്കൗണ്ട് തുറക്കുക.
നിങ്ങളുടെ രജിസ്ട്രേഷനും KYC പ്രക്രിയയും പൂർത്തിയാക്കുക
രേഖകൾ അപ്ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!
പതിവുചോദ്യങ്ങൾ
1. SIP-കളിൽ കാലാവധിയുടെ പ്രാധാന്യം എന്താണ്?
എ: നിങ്ങൾ SIP-കൾ തിരഞ്ഞെടുക്കുമ്പോൾ, നിങ്ങൾ ആദ്യം പരിഗണിക്കേണ്ടത് കാലാവധിയാണ്. കാലാവധി പരിശോധിച്ച് നിക്ഷേപം നടത്തുന്നത് നല്ലതാണ്, കാരണം കാലാവധി പൂർത്തിയാക്കുന്നതിന് മുമ്പ് നിങ്ങളുടെ നിക്ഷേപം അവസാനിപ്പിക്കരുത്. നിങ്ങൾ അങ്ങനെ ചെയ്യുകയാണെങ്കിൽ, എക്സിറ്റ് ലോഡിന്റെ രൂപത്തിൽ പിഴ അടയ്ക്കേണ്ടി വന്നേക്കാം.
2. ഒരു വർഷത്തെ SIP-കൾ നല്ലതാണോ?
എ: അതെ, ഒരു വർഷത്തെ SIP-കൾ നല്ലതാണ്, പ്രത്യേകിച്ചും നിങ്ങൾ പെട്ടെന്നുള്ള വരുമാനം തേടുകയാണെങ്കിൽ. സാധാരണയായി, ഒരു വർഷത്തെ SIP-കളുടെ സഹായത്തോടെ, നിങ്ങളുടെ ഫണ്ട് പോർട്ട്ഫോളിയോയെ ആശ്രയിച്ച് നിങ്ങളുടെ നിക്ഷേപത്തിൽ 4.2% മുതൽ 6.2% വരെ ROI-കൾ പ്രതീക്ഷിക്കാം.
3. ഒരു വർഷത്തെ SIP-കളിൽ ഞാൻ എന്തിന് നിക്ഷേപിക്കണം?
എ: നിങ്ങൾ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങളിൽ പുതിയ ആളാണെങ്കിൽ നിക്ഷേപ പോർട്ട്ഫോളിയോ വൈവിധ്യവത്കരിക്കാൻ പദ്ധതിയിടുന്നുണ്ടെങ്കിൽ ഒരു വർഷത്തെ SIP-കൾ ഉപയോഗപ്രദമാണ്.
4. ഒരു വർഷത്തെ SIP-കൾ നല്ല വരുമാനം ഉണ്ടാക്കുന്നുണ്ടോ?
എ: നല്ലതും വേഗത്തിലുള്ളതുമായ വരുമാനം നൽകുന്നതിനാൽ ഒരു വർഷത്തെ എസ്ഐപികൾ യുവ നിക്ഷേപകർക്കിടയിൽ പ്രചാരം നേടുന്നു. നിങ്ങൾക്ക് മ്യൂച്വൽ ഫണ്ടുകൾ മനസ്സിലാക്കണമെങ്കിൽവിപണി, എങ്കിൽ ഒരു വർഷത്തെ SIP-കൾ ഒരു നല്ല ആശയമാണ്.
5. എല്ലാ SIP-കളും നല്ല വരുമാനം ഉണ്ടാക്കുന്നുണ്ടോ?
എ: നിങ്ങളുടെ നിക്ഷേപ പോർട്ട്ഫോളിയോ വൈവിധ്യവത്കരിക്കുന്നതിനുള്ള ഏറ്റവും മികച്ച മാർഗങ്ങളിലൊന്നാണ് SIP-കൾ. നിങ്ങൾ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന ഫണ്ടുകളും തുകയും തിരഞ്ഞെടുക്കാൻ ഇത് നിങ്ങളെ അനുവദിക്കുന്നു. കൃത്യമായ ഇടവേളകളിൽ ചെറിയ തുക നിക്ഷേപിക്കാൻ നിങ്ങൾക്ക് അവസരം ലഭിക്കും.
6. എല്ലാ SIP-കളിലും വലിയ ക്യാപ് സ്റ്റോക്കുകൾ ഉൾപ്പെടുമോ?
എ: പ്രകാരംസെബി നിർബന്ധിതമായി, SIP നിക്ഷേപകർ നിക്ഷേപകരെയും കമ്പനികളെയും സംരക്ഷിക്കുന്നതിന് 70:20:10 പ്രോട്ടോക്കോൾ പാലിക്കേണ്ടതുണ്ട്. ഈ നിയമം അനുസരിച്ച്, ഇക്വിറ്റി നിക്ഷേപത്തിന്റെ 70% വലിയ ക്യാപ് സ്റ്റോക്കുകളിലായിരിക്കും, 20%മിഡ് ക്യാപ് ഓഹരികൾ, കൂടാതെ 10%ചെറിയ തൊപ്പി ഓഹരികൾ. അതിനാൽ എസ്ഐപികൾ നിക്ഷേപങ്ങളെ വൈവിധ്യവൽക്കരിക്കുന്നു, മാത്രമല്ല എല്ലാം വലിയ ക്യാപ് സ്റ്റോക്കുകളിൽ മാത്രം കേന്ദ്രീകരിക്കപ്പെടുന്നില്ല.
7. എസ്ഐപിയിൽ നിക്ഷേപിക്കാവുന്ന പരമാവധി കുറഞ്ഞ തുകയുണ്ടോ?
എ: എസ്ഐപിയിൽ നിക്ഷേപിക്കാവുന്ന ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയാണ്. എന്നിരുന്നാലും, എസ്ഐപിയിൽ നിക്ഷേപിക്കുന്നതിന് ഉയർന്ന പരിധിയില്ല. നിങ്ങളുടെ ഫണ്ട് മാനേജരുമായി ഇത് പ്ലാൻ ചെയ്യാം.
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.
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