1 വർഷത്തെ നിക്ഷേപത്തിനായുള്ള 9 മികച്ച SIP പ്ലാനുകൾ 2022

Updated on August 5, 2026 , 121837 views

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
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
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	₹3,219.33 ↑ 0.53	₹1,339	1,000	1.7	3.3	6.4	7	6.6	6.43%	1M 10D	1M 10D
Nippon India Liquid Fund Growth	₹6,816.05 ↑ 1.26	₹35,870	100	1.7	3.3	6.3	6.9	6.5	6.98%	1M 14D	1M 17D
LIC MF Liquid Fund Growth	₹5,048.44 ↑ 0.91	₹13,416	1,000	1.7	3.3	6.3	6.9	6.4	6.65%	1M 8D	1M 8D
Indiabulls Liquid Fund Growth	₹2,700.93 ↑ 0.41	₹279	500	1.7	3.3	6.3	6.9	6.6	6.41%	26D	26D
Aditya Birla Sun Life Savings Fund Growth	₹587.846 ↑ 0.14	₹17,816	1,000	1.8	3.4	6.3	7.3	7.4	7.45%	5M 26D	6M 18D
Tata Liquid Fund Growth	₹4,398.42 ↑ 0.85	₹22,044	500	1.7	3.3	6.3	6.9	6.5	6.59%	1M 6D	1M 6D
ICICI Prudential Liquid Fund Growth	₹413.33 ↑ 0.07	₹54,543	99	1.7	3.3	6.3	6.9	6.5	6.46%	1M 4D	1M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 9 Funds showcased

Commentary	IDBI Liquid Fund	IDBI Ultra Short Term Fund	BOI AXA Liquid Fund	Nippon India Liquid Fund	LIC MF Liquid Fund	Indiabulls Liquid Fund	Aditya Birla Sun Life Savings Fund	Tata Liquid Fund	ICICI Prudential Liquid Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹1,339 Cr).	Top quartile AUM (₹35,870 Cr).	Lower mid AUM (₹13,416 Cr).	Bottom quartile AUM (₹279 Cr).	Upper mid AUM (₹17,816 Cr).	Upper mid AUM (₹22,044 Cr).	Highest AUM (₹54,543 Cr).
Point 2	Established history (16+ yrs).	Established history (15+ yrs).	Established history (18+ yrs).	Established history (22+ yrs).	Oldest track record among peers (24 yrs).	Established history (14+ yrs).	Established history (23+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 5★ (top quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (top quartile).	1Y return: 6.39% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.33% (upper mid).	1Y return: 6.33% (lower mid).	1Y return: 6.33% (lower mid).	1Y return: 6.32% (bottom quartile).	1Y return: 6.32% (bottom quartile).	1Y return: 6.30% (bottom quartile).
Point 6	1M return: 0.53% (bottom quartile).	1M return: 0.52% (bottom quartile).	1M return: 0.54% (top quartile).	1M return: 0.54% (upper mid).	1M return: 0.54% (upper mid).	1M return: 0.53% (lower mid).	1M return: 0.56% (top quartile).	1M return: 0.53% (bottom quartile).	1M return: 0.54% (lower mid).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 2.64 (top quartile).	Sharpe: 2.12 (lower mid).	Sharpe: 2.09 (lower mid).	Sharpe: 2.39 (top quartile).	Sharpe: 0.91 (bottom quartile).	Sharpe: 2.37 (upper mid).	Sharpe: 2.16 (upper mid).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 2.08 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 1.08 (top quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.83 (upper mid).
Point 9	Yield to maturity (debt): 6.66% (upper mid).	Yield to maturity (debt): 6.83% (upper mid).	Yield to maturity (debt): 6.43% (bottom quartile).	Yield to maturity (debt): 6.98% (top quartile).	Yield to maturity (debt): 6.65% (lower mid).	Yield to maturity (debt): 6.41% (bottom quartile).	Yield to maturity (debt): 7.45% (top quartile).	Yield to maturity (debt): 6.59% (lower mid).	Yield to maturity (debt): 6.46% (bottom quartile).
Point 10	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.19 yrs (bottom quartile).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.12 yrs (bottom quartile).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.07 yrs (top quartile).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.09 yrs (top quartile).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.10 yrs (upper mid).

IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (top quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (upper mid).
Modified duration: 0.19 yrs (bottom quartile).

BOI AXA Liquid Fund

Lower mid AUM (₹1,339 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.54% (top quartile).
Sharpe: 2.64 (top quartile).
Information ratio: 2.08 (top quartile).
Yield to maturity (debt): 6.43% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).

Nippon India Liquid Fund

Top quartile AUM (₹35,870 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.33% (upper mid).
1M return: 0.54% (upper mid).
Sharpe: 2.12 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (top quartile).
Modified duration: 0.12 yrs (bottom quartile).

LIC MF Liquid Fund

Lower mid AUM (₹13,416 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.33% (lower mid).
1M return: 0.54% (upper mid).
Sharpe: 2.09 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.65% (lower mid).
Modified duration: 0.11 yrs (lower mid).

Indiabulls Liquid Fund

Bottom quartile AUM (₹279 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.33% (lower mid).
1M return: 0.53% (lower mid).
Sharpe: 2.39 (top quartile).
Information ratio: 1.08 (top quartile).
Yield to maturity (debt): 6.41% (bottom quartile).
Modified duration: 0.07 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹17,816 Cr).
Established history (23+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.56% (top quartile).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).

Tata Liquid Fund

Upper mid AUM (₹22,044 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.59% (lower mid).
Modified duration: 0.10 yrs (upper mid).

ICICI Prudential Liquid Fund

Highest AUM (₹54,543 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 2.16 (upper mid).
Information ratio: 0.83 (upper mid).
Yield to maturity (debt): 6.46% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

1. IDBI Liquid Fund

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

Research Highlights for IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (lower mid).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

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

Growth of 10,000 investment over the years.

Date	Value

IDBI Liquid Fund SIP Returns

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

Returns for IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

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

2. IDBI Ultra Short Term Fund

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

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (top quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (upper mid).
Modified duration: 0.19 yrs (bottom quartile).
Average maturity: 0.23 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for 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

IDBI Ultra Short Term Fund SIP Returns

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

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

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

3. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for BOI AXA Liquid Fund

Lower mid AUM (₹1,339 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.54% (top quartile).
Sharpe: 2.64 (top quartile).
Information ratio: 2.08 (top quartile).
Yield to maturity (debt): 6.43% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.11 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.9%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (09 Aug 26)	₹3,219.33 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹1,339 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	2.64
Information Ratio	2.08
Alpha Ratio	0.1
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.43%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,376
31 Jul 23	₹11,067
31 Jul 24	₹11,885
31 Jul 25	₹12,730
31 Jul 26	₹13,539

BOI AXA Liquid 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 BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.4%
3 Year	7%
5 Year	6.3%
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	4.96 Yr.

Data below for BOI AXA Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.67%
Other	0.33%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.08%
Government	17.88%
Corporate	6.71%

Credit Quality

Rating	Value
AA	1.58%
AAA	98.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹99 Cr	10,000,000
India (Republic of) - \| -	6%	₹99 Cr	10,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	4%	₹74 Cr	7,500,000
HDFC Bank Ltd. Debentures \| -	4%	₹74 Cr	7,500,000 ↑ 5,000,000
India (Republic of) - \| -	3%	₹53 Cr	5,350,000 ↑ 5,350,000
India (Republic of) - \| -	3%	₹50 Cr	5,000,000
Bajaj Financial Securities Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
Kotak Securities Ltd Commercial Paper \| -	3%	₹50 Cr	5,000,000
ICICI Bank Ltd. Debentures \| -	3%	₹50 Cr	5,000,000
Canara Bank Domestic Bonds \| -	3%	₹50 Cr	5,000,000

4. Nippon India Liquid Fund

(Erstwhile Reliance Liquid Fund - Treasury Plan)

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 Liquid Fund

Top quartile AUM (₹35,870 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.33% (upper mid).
1M return: 0.54% (upper mid).
Sharpe: 2.12 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.98% (top quartile).
Modified duration: 0.12 yrs (bottom quartile).
Average maturity: 0.13 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Current Assets (~14.1%).

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (07 Aug 26)	₹6,816.05 ↑ 1.26 (0.02 %)
Net Assets (Cr)	₹35,870 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	2.12
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,363
31 Jul 23	₹11,043
31 Jul 24	₹11,848
31 Jul 25	₹12,680
31 Jul 26	₹13,478

Nippon India Liquid 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 Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Kinjal Desai	25 May 18	8.19 Yr.
Vikash Agarwal	14 Sep 24	1.88 Yr.
Amber Singhania	11 Mar 26	0.39 Yr.

Data below for Nippon India Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.45%
Debt	0.28%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	79.7%
Government	13.47%
Corporate	6.56%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Current Assets Net Current Assets \| -	14%	-₹5,062 Cr
India (Republic of) - \| -	3%	₹1,187 Cr	120,000,000 ↑ 120,000,000
Small Industries Development Bank of India Commercial Paper \| -	3%	₹1,183 Cr	24,000 ↑ 24,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹986 Cr	20,000 ↑ 20,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹950 Cr	19,000 ↑ 19,000
India (Republic of) - \| -	3%	₹947 Cr	95,000,000 ↓ -4,500,000
IDBI Bank Limited (Industrial Development Bank Of India Ltd) Certificate of Deposit \| -	2%	₹744 Cr	15,000
Small Industries Development Bank of India Commercial Paper \| -	2%	₹741 Cr	15,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹741 Cr	15,000
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹708 Cr	71,000,000

5. LIC MF Liquid Fund

An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Liquid Fund

Lower mid AUM (₹13,416 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.33% (lower mid).
1M return: 0.54% (upper mid).
Sharpe: 2.09 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.65% (lower mid).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Top sector: Consumer Defensive.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps (~6.9%).

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (07 Aug 26)	₹5,048.44 ↑ 0.91 (0.02 %)
Net Assets (Cr)	₹13,416 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	2.09
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.65%
Effective Maturity	1 Month 8 Days
Modified Duration	1 Month 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,361
31 Jul 23	₹11,037
31 Jul 24	₹11,847
31 Jul 25	₹12,673
31 Jul 26	₹13,472

LIC MF Liquid 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 LIC MF Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.4%
2024	7.4%
2023	7%
2022	4.7%
2021	3.3%
2020	4.3%
2019	6.5%
2018	7.3%
2017	6.6%
2016	7.6%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	10.83 Yr.
Aakash Dhulia	1 Sep 25	0.91 Yr.

Data below for LIC MF Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	97.38%
Debt	2.43%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.11%
Government	13.97%
Corporate	4.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	7%	₹1,221 Cr
India (Republic of) - \| -	4%	₹672 Cr	67,500,000
India (Republic of) - \| -	3%	₹598 Cr	60,000,000
Axis Bank Ltd. Debentures \| -	3%	₹572 Cr	11,500 ↑ 6,500
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹496 Cr	10,000
NTPC Ltd. Commercial Paper \| -	3%	₹494 Cr	10,000
Motilal Oswal Financial Services Ltd Commercial Paper \| -	3%	₹494 Cr	10,000
Bank of Baroda Debentures \| -	2%	₹373 Cr	7,500 ↑ 2,500
Titan Co Ltd. Commercial Paper \| -	2%	₹371 Cr	7,500
India (Republic of) - \| -	2%	₹357 Cr	35,706,700

6. Indiabulls Liquid Fund

To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Indiabulls Liquid Fund

Bottom quartile AUM (₹279 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.33% (lower mid).
1M return: 0.53% (lower mid).
Sharpe: 2.39 (top quartile).
Information ratio: 1.08 (top quartile).
Yield to maturity (debt): 6.41% (bottom quartile).
Modified duration: 0.07 yrs (top quartile).
Average maturity: 0.07 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo 16-Jul-26 (~17.3%).

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (07 Aug 26)	₹2,700.93 ↑ 0.41 (0.02 %)
Net Assets (Cr)	₹279 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.2
Sharpe Ratio	2.39
Information Ratio	1.08
Alpha Ratio	0.04
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.41%
Effective Maturity	26 Days
Modified Duration	26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,342
31 Jul 23	₹10,991
31 Jul 24	₹11,794
31 Jul 25	₹12,630
31 Jul 26	₹13,425

Indiabulls Liquid 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 Indiabulls Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	6.9%

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	3.23 Yr.
Wilfred Gonsalves	4 May 26	0.24 Yr.

Data below for Indiabulls Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.75%
Debt	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.34%
Corporate	44.66%

Credit Quality

Rating	Value
AAA	99.69%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo 16-Jul-26 CBLO/Reverse Repo \| -	17%	₹56 Cr
Indian Bank Certificate of Deposit \| -	8%	₹25 Cr	2,500,000 ↑ 2,500,000
HDFC Bank Limited Certificate of Deposit \| -	8%	₹25 Cr	2,500,000
Canara Bank Certificate of Deposit \| -	8%	₹25 Cr	2,500,000
ICICI Bank Ltd. Debentures \| -	8%	₹25 Cr	2,500,000
Punjab National Bank Red Certificate of Deposit \| -	8%	₹25 Cr	2,500,000
Union Bank Of India Certificate of Deposit \| -	7%	₹24 Cr	2,400,000
Bajaj Finance Limited Commercial Paper \| -	7%	₹22 Cr	2,200,000
Kotak Mahindra Prime Limited Commercial Paper \| -	6%	₹20 Cr	2,000,000
Treps 16-Jul-2026 CBLO/Reverse Repo \| -	6%	₹18 Cr	17,760 ↑ 17,760

7. Aditya Birla Sun Life Savings 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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Upper mid AUM (₹17,816 Cr).
Established history (23+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.56% (top quartile).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~67%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (07 Aug 26)	₹587.846 ↑ 0.14 (0.02 %)
Net Assets (Cr)	₹17,816 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,383
31 Jul 23	₹11,089
31 Jul 24	₹11,914
31 Jul 25	₹12,876
31 Jul 26	₹13,681

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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 28 Jul 23

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.4%
1 Year	6.3%
3 Year	7.3%
5 Year	6.5%
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	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	33.37%
Debt	66.63%

Debt Sector Allocation

Sector	Value
Corporate	71.59%
Government	18.6%
Cash Equivalent	9.81%

Credit Quality

Rating	Value
AA	32.96%
AAA	67.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹842 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹729 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹608 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Indusind Bank Ltd. Debentures \| -	2%	₹345 Cr	7,100
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

8. Tata Liquid Fund

(Erstwhile TATA Money Market Fund )

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

Research Highlights for Tata Liquid Fund

Upper mid AUM (₹22,044 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.32% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.37 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.59% (lower mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.7%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (07 Aug 26)	₹4,398.42 ↑ 0.85 (0.02 %)
Net Assets (Cr)	₹22,044 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.59%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,363
31 Jul 23	₹11,040
31 Jul 24	₹11,845
31 Jul 25	₹12,680
31 Jul 26	₹13,477

Tata Liquid 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 Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Harsh Dave	1 Aug 24	2 Yr.
Dhawal Joshi	1 Jun 26	0.17 Yr.

Data below for Tata Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.78%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	77.66%
Government	15.16%
Corporate	6.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹2,072 Cr	209,500,000 ↑ 209,500,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	4%	₹1,113 Cr	22,500
LIC Housing Finance Ltd. Commercial Paper \| -	3%	₹989 Cr	20,000
Hindustan Petroleum Corp Ltd. Domestic Bonds \| -	3%	₹987 Cr	20,000 ↑ 20,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹968 Cr	19,500
Export-Import Bank of India Commercial Paper \| -	3%	₹941 Cr	19,000
India (Republic of) - \| -	3%	₹894 Cr	90,000,000
Bank of Baroda Debentures \| -	3%	₹793 Cr	16,000 ↓ -3,000
India (Republic of) - \| -	2%	₹767 Cr	77,500,000 ↑ 77,500,000
The Jammu And Kashmir Bank Limited Debentures \| -	2%	₹745 Cr	15,000

9. ICICI Prudential Liquid Fund

(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

Highest AUM (₹54,543 Cr).
Established history (20+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.30% (bottom quartile).
1M return: 0.54% (lower mid).
Sharpe: 2.16 (upper mid).
Information ratio: 0.83 (upper mid).
Yield to maturity (debt): 6.46% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).
Average maturity: 0.10 yrs (upper mid).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo (~5.9%).

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund Growth
Launch Date	17 Nov 05
NAV (07 Aug 26)	₹413.33 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹54,543 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	2.16
Information Ratio	0.83
Alpha Ratio	-0.03
Min Investment	500
Min SIP Investment	99
Exit Load	NIL
Yield to Maturity	6.46%
Effective Maturity	1 Month 7 Days
Modified Duration	1 Month 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,362
31 Jul 23	₹11,043
31 Jul 24	₹11,851
31 Jul 25	₹12,683
31 Jul 26	₹13,478

ICICI Prudential Liquid 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 Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
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	2.67 Yr.
Darshil Dedhia	12 Jun 23	3.14 Yr.

Data below for ICICI Prudential Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	98.4%
Debt	1.37%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.13%
Government	13.23%
Corporate	3.41%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	6%	₹4,028 Cr
India (Republic of) - \| -	4%	₹2,634 Cr	265,000,000
Treps CBLO/Reverse Repo \| -	3%	₹2,370 Cr
Small Industries Development Bank of India Commercial Paper \| -	3%	₹1,978 Cr	40,000
Canara Bank Domestic Bonds \| -	2%	₹1,636 Cr	33,000
Bank of India Ltd. Debentures \| -	2%	₹1,488 Cr	30,000
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Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹1,483 Cr	30,000
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India (Republic of) - \| -	2%	₹1,438 Cr	145,000,000

മ്യൂച്വൽ ഫണ്ട് SIP ഓൺലൈനിൽ എങ്ങനെ നിക്ഷേപിക്കാം?

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രേഖകൾ അപ്‌ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!

തുടങ്ങി

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.

Disclaimer:
ഇവിടെ നൽകിയിരിക്കുന്ന വിവരങ്ങൾ കൃത്യമാണെന്ന് ഉറപ്പാക്കാൻ എല്ലാ ശ്രമങ്ങളും നടത്തിയിട്ടുണ്ട്. എന്നിരുന്നാലും, ഡാറ്റയുടെ കൃത്യത സംബന്ധിച്ച് യാതൊരു ഉറപ്പും നൽകുന്നില്ല. എന്തെങ്കിലും നിക്ഷേപം നടത്തുന്നതിന് മുമ്പ് സ്കീം വിവര രേഖ ഉപയോഗിച്ച് പരിശോധിക്കുക.