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SIP मध्ये गुंतवणूक का करावी?
आर्थिक वर्ष 22 - 23 मध्ये 1 वर्षाच्या गुंतवणुकीसाठी सर्वोत्तम SIP योजना
म्युच्युअल फंड SIP मध्ये ऑनलाइन गुंतवणूक कशी करावी?
वारंवार विचारले जाणारे प्रश्न
Top 9 Funds

1 वर्षाच्या गुंतवणूक 2022 साठी 9 सर्वोत्तम SIP योजना

Updated on April 27, 2025 , 120548 views

सर्वोत्तम SIP योजना? त्यांना कसे निवडायचे? विचार करताना गुंतवणूकदारांच्या मनात हे काही सामान्य प्रश्न आहेतम्युच्युअल फंडात गुंतवणूक a द्वारेSIP किंवा पद्धतशीरगुंतवणूक योजना.

एसआयपी गुंतवणूक सर्वात शिस्तबद्ध एक आहेगुंतवणूक गुंतवणूक करताना पर्यायम्युच्युअल फंड. शिवाय, SIP म्युच्युअल फंडातील गुंतवणूकीची किमान रक्कम INR 500 इतकी कमी आहे. यामुळे गुंतवणूक करणे शक्य होते.शीर्ष SIP खूप सोयीस्कर योजना.

SIP मध्ये गुंतवणूक का करावी?

बचतीची सवय लावण्यासाठी म्युच्युअल फंडातील SIP गुंतवणूक हा सर्वात सोयीचा मार्ग आहे. बर्‍याचदा कमावत्या लोकांची तरुण पिढी जास्त बचत करत नाही. सिस्टीमॅटिक इन्व्हेस्टमेंट प्लॅन असण्यासाठी एखाद्याला मोठ्या प्रमाणात गुंतवणूक करण्याची आवश्यकता नाही कारण सुरुवातीची रक्कम रु 500 इतकी कमी आहे आणि काही फंड INR 100 साठी मासिक SIP देखील देतात. लहानपणापासूनच, एखाद्याला आपली बचत गुंतवणुकीचा एक प्रकार म्हणून करण्याची सवय लागू शकते. एसआयपी, त्याद्वारे प्रत्येक महिन्यात बचत करण्यासाठी निश्चित रक्कम बाजूला ठेवते. पद्धतशीर गुंतवणूक योजना हे स्मार्ट गुंतवणुकीचे सर्वात महत्वाचे साधन आहे.

एसआयपी तुम्हाला तुमच्यासाठी तयार करण्यात मदत करतेआर्थिक उद्दिष्टे त्रास-मुक्त पद्धतीने. एसआयपी असणे अत्यंत सोयीचे आहे कारण म्युच्युअल फंडांना कागदपत्रे फक्त एकदाच करावी लागतात ज्यानंतर मासिक रक्कम डेबिट केली जातेबँक हस्तक्षेप न करता थेट खाते. परिणामी, SIP ला इतर गुंतवणूक आणि बचत पर्यायांसाठी आवश्यक प्रयत्नांची आवश्यकता नसते.

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आर्थिक वर्ष 22 - 23 मध्ये 1 वर्षाच्या गुंतवणुकीसाठी सर्वोत्तम SIP योजना

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹541.858 ↑ 0.07	₹13,294	1,000	2.2	4.1	8	7.1	7.9	7.75%	6M 25D	7M 28D
ICICI Prudential Ultra Short Term Fund Growth	₹27.3779 ↑ 0.00	₹12,674	1,000	2.1	3.8	7.5	6.8	7.5	7.53%	5M 8D	7M 28D
Invesco India Ultra Short Term Fund Growth	₹2,667.65 ↑ 0.44	₹859	1,000	2.1	3.8	7.4	6.6	7.5	7.49%	6M 13D	7M 2D
Kotak Savings Fund Growth	₹42.4061 ↑ 0.01	₹11,873	1,000	2.1	3.7	7.4	6.6	7.2	7.32%	6M 4D	6M 14D
BOI AXA Liquid Fund Growth	₹2,974.49 ↑ 0.25	₹1,524	1,000	1.8	3.6	7.4	6.9	7.4	6.94%	2M 1D	2M 1D
Nippon India Ultra Short Duration Fund Growth	₹3,984.55 ↑ 0.60	₹6,498	100	2	3.7	7.4	6.6	7.2	7.73%	5M 4D	7M 1D
Indiabulls Liquid Fund Growth	₹2,498.35 ↑ 0.27	₹130	500	1.9	3.6	7.3	6.7	7.4	7.07%	2M 1D	2M 2D
UTI Ultra Short Term Fund Growth	₹4,193.2 ↑ 0.62	₹3,143	500	2	3.7	7.3	6.5	7.2	7.57%	5M 23D	6M 23D
DSP BlackRock Money Manager Fund Growth	₹3,370.3 ↑ 0.52	₹3,349	500	2.2	3.8	7.3	6.4	6.9	7.26%	5M 5D	5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 25

1. 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.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 (29 Apr 25)	₹541.858 ↑ 0.07 (0.01 %)
Net Assets (Cr)	₹13,294 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.09
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	7 Months 28 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,634
31 Mar 22	₹11,077
31 Mar 23	₹11,676
31 Mar 24	₹12,543
31 Mar 25	₹13,517

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 29 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2.2%
6 Month	4.1%
1 Year	8%
3 Year	7.1%
5 Year	6.3%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%
2014	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.79 Yr.
Kaustubh Gupta	15 Jul 11	13.72 Yr.
Monika Gandhi	22 Mar 21	4.03 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	39.41%
Debt	60.27%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	66.69%
Cash Equivalent	20.4%
Government	12.6%

Credit Quality

Rating	Value
AA	39.1%
AAA	60.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Company Limited Debentures \| -	4%	₹606 Cr	60,000
Nirma Limited Debentures \| -	3%	₹488 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹474 Cr	47,500,000
Small Industries Development Bank of India Debentures \| -	3%	₹424 Cr	9,000
Aditya BSL Liquid Dir Gr Investment Fund \| -	2%	₹351 Cr	8,342,533 ↑ 564,007
182 DTB 29082025 Sovereign Bonds \| -	2%	₹342 Cr	35,000,000 ↑ 35,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹308 Cr	30,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹304 Cr	30,000 ↑ 30,000
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹301 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹271 Cr	27,000

2. ICICI Prudential Ultra Short Term Fund

(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.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (29 Apr 25)	₹27.3779 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹12,674 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.69
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	7.53%
Effective Maturity	7 Months 28 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,589
31 Mar 22	₹11,009
31 Mar 23	₹11,594
31 Mar 24	₹12,428
31 Mar 25	₹13,344

ICICI Prudential Ultra Short Term 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 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 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2.1%
6 Month	3.8%
1 Year	7.5%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	7.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%
2014	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.38 Yr.
Ritesh Lunawat	15 Jun 17	7.8 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	47.44%
Debt	52.28%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	56.44%
Cash Equivalent	23.12%
Government	20.17%

Credit Quality

Rating	Value
AA	21.29%
AAA	78.71%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹585 Cr	58,000,000
182 Days Tbill Sovereign Bonds \| -	4%	₹488 Cr	50,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹437 Cr	4,350
Bharti Telecom Limited Debentures \| -	2%	₹327 Cr	32,500 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹307 Cr	30,500
Small Industries Development Bank Of India Debentures \| -	2%	₹300 Cr	3,000
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹300 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹251 Cr	2,500
LIC Housing Finance Limited Debentures \| -	2%	₹226 Cr	2,250
Oberoi Realty Ltd. Debentures \| -	1%	₹201 Cr	20,000

3. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (29 Apr 25)	₹2,667.65 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹859 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	7 Months 2 Days
Modified Duration	6 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,449
31 Mar 22	₹10,784
31 Mar 23	₹11,305
31 Mar 24	₹12,113
31 Mar 25	₹12,995

Invesco India 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 Invesco India 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 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2.1%
6 Month	3.8%
1 Year	7.4%
3 Year	6.6%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%
2014	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.24 Yr.
Vikas Garg	27 Jul 21	3.68 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	37.55%
Debt	62.08%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	60.8%
Cash Equivalent	25.46%
Government	13.37%

Credit Quality

Rating	Value
AA	39.25%
AAA	60.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	8%	₹85 Cr	8,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹50 Cr	5,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹40 Cr	4,000,000
Export Import Bank Of India Debentures \| -	4%	₹40 Cr	4,000,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000

4. Kotak Savings Fund

(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.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (29 Apr 25)	₹42.4061 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹11,873 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	6 Months 14 Days
Modified Duration	6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,510
31 Mar 22	₹10,871
31 Mar 23	₹11,437
31 Mar 24	₹12,236
31 Mar 25	₹13,117

Kotak Savings Fund SIP Returns

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

Returns for Kotak 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 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2.1%
6 Month	3.7%
1 Year	7.4%
3 Year	6.6%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%
2014	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	16.97 Yr.
Manu Sharma	1 Nov 22	2.42 Yr.

Data below for Kotak Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	65.31%
Debt	34.4%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	57.68%
Cash Equivalent	25.06%
Government	16.97%

Credit Quality

Rating	Value
AA	9.65%
AAA	90.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹498 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹478 Cr	47,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹462 Cr	46,000
Mankind Pharma Ltd Debentures \| -	2%	₹303 Cr	30,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹237 Cr	25,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹231 Cr	2,300
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
Bajaj Housing Finance Limited Debentures \| -	2%	₹216 Cr	2,150
08.49 Tn SDL 2026 Sovereign Bonds \| -	2%	₹204 Cr	20,080,000
Vedanta Limited Debentures \| -	1%	₹200 Cr	20,000

5. 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.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (29 Apr 25)	₹2,974.49 ↑ 0.25 (0.01 %)
Net Assets (Cr)	₹1,524 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	4.1
Information Ratio	-0.18
Alpha Ratio	-0.04
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,353
31 Mar 22	₹10,704
31 Mar 23	₹11,316
31 Mar 24	₹12,140
31 Mar 25	₹13,036

BOI AXA 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 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 29 Apr 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.9%
2020	3.3%
2019	4.1%
2018	6.4%
2017	7.4%
2016	6.7%
2015	7.6%
2014	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.62 Yr.

Data below for BOI AXA Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	76.56%
Corporate	21.91%
Government	1.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank 12-Jun-2025 # ** Certificate of Deposit \| -	7%	₹124 Cr	12,500,000 ↑ 5,000,000
Punjab National Bank Certificate of Deposit \| -	5%	₹99 Cr	10,000,000
91 Days Tbill Red 05-06-2025 Sovereign Bonds \| -	5%	₹93 Cr	9,382,500
HDFC Securities Limited Commercial Paper \| -	4%	₹75 Cr	7,500,000
91 Days Tbill Red 12-06-2025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
91 Days Tbill Red 08-05-2025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Bajaj Finance Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
91 DTB 30052025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Export-Import Bank Of India Commercial Paper \| -	3%	₹50 Cr	5,000,000

6. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash 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.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (29 Apr 25)	₹3,984.55 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹6,498 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.08
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	7 Months 1 Day
Modified Duration	5 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,494
31 Mar 22	₹11,303
31 Mar 23	₹11,890
31 Mar 24	₹12,714
31 Mar 25	₹13,630

Nippon India Ultra Short Duration 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	2%
6 Month	3.7%
1 Year	7.4%
3 Year	6.6%
5 Year	6.6%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%
2014	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.51 Yr.
Kinjal Desai	25 May 18	6.86 Yr.
Akshay Sharma	1 Dec 22	2.33 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	53.07%
Debt	46.66%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	58.2%
Cash Equivalent	25.5%
Government	16.03%

Credit Quality

Rating	Value
AA	15.61%
AAA	84.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹311 Cr	3,100
182 Days Tbill Sovereign Bonds \| -	3%	₹244 Cr	25,000,000 ↑ 25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹243 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹200 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹195 Cr	20,000,000 ↑ 20,000,000
Indinfravit Trust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹184 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹167 Cr	16,500
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹126 Cr	12,500

7. 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.

Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% .

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (29 Apr 25)	₹2,498.35 ↑ 0.27 (0.01 %)
Net Assets (Cr)	₹130 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.76
Information Ratio	-2.12
Alpha Ratio	-0.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,335
31 Mar 22	₹10,651
31 Mar 23	₹11,223
31 Mar 24	₹12,016
31 Mar 25	₹12,897

Indiabulls 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 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 29 Apr 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.6%
1 Year	7.3%
3 Year	6.7%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.8%
2021	4.6%
2020	3.1%
2019	3.9%
2018	6.6%
2017	7.3%
2016	6.7%
2015	7.8%
2014	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	1.89 Yr.

Data below for Indiabulls Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.6%
Other	0.4%

Debt Sector Allocation

Sector	Value
Cash Equivalent	74.82%
Government	14.14%
Corporate	10.64%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Export-Import Bank Of India Commercial Paper \| -	11%	₹15 Cr	1,500,000
National Bank For Agriculture And Rural Development (10/06/2025) ** Commercial Paper \| -	10%	₹14 Cr	1,425,000 ↑ 1,425,000
Small Industries Development Bank Of India Debentures \| -	7%	₹10 Cr	1,000,000 ↓ -500,000
Bank Of Baroda Certificate of Deposit \| -	7%	₹10 Cr	1,000,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited) Commercial Paper \| -	7%	₹10 Cr	1,000,000
HDFC Securities Limited Commercial Paper \| -	7%	₹10 Cr	1,000,000
India (Republic of) - \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
India (Republic of) - \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
Axis Bank Limited Certificate of Deposit \| -	6%	₹9 Cr	900,000 ↓ -500,000
LIC Housing Finance Ltd Debentures \| -	6%	₹8 Cr	800,000 ↑ 500,000

8. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (29 Apr 25)	₹4,193.2 ↑ 0.62 (0.01 %)
Net Assets (Cr)	₹3,143 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,498
31 Mar 22	₹11,148
31 Mar 23	₹11,703
31 Mar 24	₹12,516
31 Mar 25	₹13,414

UTI Ultra Short Term 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 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 29 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	3.7%
1 Year	7.3%
3 Year	6.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%
2014	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.19 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	64.68%
Debt	35.1%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	49.45%
Cash Equivalent	37.98%
Government	12.34%

Credit Quality

Rating	Value
AA	18.56%
AAA	81.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Sovereign Bonds \| -	4%	₹146 Cr	1,500,000,000 ↑ 500,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹130 Cr	1,300 ↑ 500
Bajaj Housing Finance Limited Debentures \| -	3%	₹101 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	3%	₹98 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Indian Bank Domestic Bonds \| -	2%	₹71 Cr	750,000,000
Small Industries Development Bank Of India Debentures \| -	1%	₹50 Cr	500
Export Import Bank Of India Debentures \| -	1%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

9. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (29 Apr 25)	₹3,370.3 ↑ 0.52 (0.02 %)
Net Assets (Cr)	₹3,349 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	0.58
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.26%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,414
31 Mar 22	₹10,733
31 Mar 23	₹11,251
31 Mar 24	₹12,023
31 Mar 25	₹12,882

DSP BlackRock Money Manager Fund SIP Returns

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

Returns for DSP BlackRock 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 29 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	2.2%
6 Month	3.8%
1 Year	7.3%
3 Year	6.4%
5 Year	5.2%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.9%
2022	6.7%
2021	4.1%
2020	2.9%
2019	4.7%
2018	7.3%
2017	5%
2016	6%
2015	7.5%
2014	7.9%

Fund Manager information for DSP BlackRock Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	3.84 Yr.
Shalini Vasanta	1 Jan 25	0.25 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	65.9%
Debt	33.74%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	50.14%
Cash Equivalent	32.8%
Government	16.7%

Credit Quality

Rating	Value
AA	5.09%
AAA	94.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Ltd Debentures \| -	4%	₹158 Cr	1,500
364 DTB 06112025 Sovereign Bonds \| -	3%	₹97 Cr	10,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹79 Cr	750
Small Industries Development Bank Of India Debentures \| -	2%	₹79 Cr	750 ↑ 500
182 DTB 31072025 Sovereign Bonds \| -	2%	₹64 Cr	6,500,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹62 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹53 Cr	5,000
LIC Housing Finance Ltd Debentures \| -	1%	₹53 Cr	500
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹53 Cr	500 ↑ 250
Tata Capital Housing Finance Limited Debentures \| -	1%	₹52 Cr	500 ↑ 500

म्युच्युअल फंड SIP मध्ये ऑनलाइन गुंतवणूक कशी करावी?

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दस्तऐवज अपलोड करा (PAN, आधार इ.).आणि, तुम्ही गुंतवणूक करण्यास तयार आहात!

सुरु करूया

वारंवार विचारले जाणारे प्रश्न

1. SIP मध्ये कार्यकाळाचे महत्त्व काय आहे?

अ: जेव्हा तुम्ही SIP निवडता, तेव्हा तुम्ही पहिली गोष्ट विचारात घेतली पाहिजे ती म्हणजे कार्यकाळ. कार्यकाळ तपासणे आणि नंतर गुंतवणूक करणे ही चांगली कल्पना आहे कारण कार्यकाळ पूर्ण करण्यापूर्वी तुम्ही तुमची गुंतवणूक बंद करू नये. तुम्ही असे केल्यास, तुम्हाला एक्झिट लोडच्या स्वरूपात दंड भरावा लागेल.

2. एक वर्षाच्या एसआयपी चांगल्या आहेत का?

अ: होय, एक वर्षाची एसआयपी चांगली आहे, विशेषत: जर तुम्ही जलद परतावा शोधत असाल. सहसा, एक वर्षाच्या SIP च्या मदतीने, तुम्ही तुमच्या फंड पोर्टफोलिओवर अवलंबून, तुमच्या गुंतवणुकीवर 4.2% ते 6.2% पर्यंत ROI ची अपेक्षा करू शकता.

३. मी एक वर्षाच्या SIP मध्ये गुंतवणूक का करावी?

अ: जर तुम्ही म्युच्युअल फंड गुंतवणुकीसाठी नवीन असाल आणि गुंतवणुकीच्या पोर्टफोलिओमध्ये विविधता आणण्याची योजना आखत असाल तर एक वर्षाच्या एसआयपी उपयुक्त आहेत.

4. एका वर्षाच्या एसआयपीमुळे चांगला परतावा मिळतो का?

अ: एक वर्षाच्या SIPs तरुण गुंतवणूकदारांमध्ये लोकप्रिय होत आहेत कारण ते चांगले आणि जलद परतावा देतात. म्युच्युअल फंड समजून घ्यायचे असल्यासबाजार, तर एक वर्षाच्या SIP ही चांगली कल्पना आहे.

5. सर्व SIP चांगले परतावा देतात का?

अ: एसआयपी हा तुमच्या गुंतवणुकीच्या पोर्टफोलिओमध्ये विविधता आणण्याचा सर्वोत्तम मार्ग आहे आणि चांगला परतावा देण्यासाठी ओळखला जातो. हे तुम्हाला तुम्‍हाला गुंतवायचे असलेल्‍या निधीची आणि रकमेची देखील निवड करू देते. तुम्हाला ठराविक अंतराने थोड्या प्रमाणात गुंतवणूक करण्याची संधी मिळते.

6. सर्व SIP मध्ये लार्ज-कॅप स्टॉकचा समावेश होतो का?

अ: नुसारसेबी आदेश, SIP गुंतवणूकदारांना गुंतवणूकदार आणि कंपन्यांचे संरक्षण करण्यासाठी 70:20:10 प्रोटोकॉलचे पालन करावे लागेल. या नियमानुसार, 70% इक्विटी गुंतवणूक लार्ज-कॅप समभागांमध्ये, 20%मिड-कॅप साठा, आणि 10% मध्येलहान टोपी साठा त्यामुळे एसआयपी गुंतवणुकीत विविधता आणतात आणि सर्व फक्त लार्ज-कॅप समभागांमध्ये केंद्रित नसतात.

7. SIP मध्ये जास्तीत जास्त आणि किमान रक्कम गुंतवली जाऊ शकते का?

अ: SIP मध्ये तुम्ही गुंतवू शकता अशी किमान रक्कम रु. 500 आहे. तथापि, SIP मध्ये गुंतवणूक करण्यासाठी कोणतीही उच्च मर्यादा नाही. तुम्ही तुमच्या फंड मॅनेजरसोबत याची योजना करू शकता.

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.