+91-22-48913909लिक्विड म्युच्युअल फंड: कसे निवडावे?
द्रवम्युच्युअल फंड मूलत: आहेतपैसा बाजार (कर्ज) निधी जे लहान कालावधीच्या पैशांमध्ये गुंतवणूक करतातबाजार ट्रेझरी बिले, मुदत ठेवी, ठेवींचे प्रमाणपत्र, व्यावसायिक कागदपत्रे इत्यादींसह साधने. साधारणपणे, लिक्विड म्युच्युअल फंड हे तुमचे पैसे लहान कालावधीसाठी गुंतवण्याचे पर्याय आहेत. ज्या सिक्युरिटीजचा भाग आहेतलिक्विड फंड 91 दिवसांपेक्षा कमी कालावधीची परिपक्वता आहे. लिक्विड फंडांना लॉक-इन कालावधी नसतो त्यामुळे गुंतवलेली मालमत्ता जास्त काळ बंधनकारक नसते, त्यामुळे तुमचे पैसे उपलब्ध राहतात. लिक्विड फंड रिटर्न्स अस्थिर असतात कारण ते वित्तीय बाजारातील फंडाच्या कामगिरीवर अवलंबून असतात. निवडणेसर्वोत्तम लिक्विड फंड हे एक कठीण काम आहे, तथापि, कोणीही त्यांचा न्याय करण्यासाठी विशिष्ट पॅरामीटर्स वापरू शकतो.
लिक्विड म्युच्युअल फंड निवडण्यासाठी वापरले जाणारे मूलभूत पॅरामीटर्स खालीलप्रमाणे आहेत:
- परतावा किंवा मागील ट्रॅक रेकॉर्ड
- पोर्टफोलिओ आणि मॅच्युरिटी प्रोफाइल
- तरलता आणि निधीचा आकार
- रेटिंग एजन्सीद्वारे कामगिरी रेटिंग
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1. लिक्विड फंड परतावा
विविध लिक्विड फंडांवरील परतावा पाहता:
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D BOI AXA Liquid Fund Growth ₹3,158.3
↑ 0.34 ₹1,611 0.7 1.7 3.2 6.3 6.6 7.3% 1M 20D 1M 20D Edelweiss Liquid Fund Growth ₹3,506.76
↑ 0.37 ₹8,877 0.8 1.7 3.2 6.3 6.5 7.42% 2M 8D 2M 8D Axis Liquid Fund Growth ₹3,053.62
↑ 0.35 ₹30,188 0.8 1.8 3.2 6.3 6.6 7.77% 2M 1D 2M 5D DSP Liquidity Fund Growth ₹3,914.97
↑ 0.45 ₹16,866 0.8 1.8 3.2 6.3 6.5 7.48% 1M 28D 2M 1D UTI Liquid Cash Plan Growth ₹4,498.37
↑ 0.53 ₹19,763 0.8 1.7 3.2 6.3 6.5 6.03% 1M 2D 1M 2D Mahindra Liquid Fund Growth ₹1,783.98
↑ 0.17 ₹1,012 0.7 1.7 3.2 6.3 6.5 7.58% 1M 23D 1M 26D Aditya Birla Sun Life Liquid Fund Growth ₹441.804
↑ 0.05 ₹43,022 0.8 1.7 3.2 6.3 6.5 7.73% 2M 5D 2M 5D Canara Robeco Liquid Growth ₹3,300.2
↑ 0.36 ₹4,857 0.8 1.8 3.2 6.3 6.5 7.46% 1M 30D 2M 4D Invesco India Liquid Fund Growth ₹3,768.05
↑ 0.40 ₹11,723 0.8 1.7 3.2 6.3 6.5 7.46% 2M 6D 2M 6D Tata Liquid Fund Growth ₹4,317.77
↑ 0.49 ₹22,316 0.7 1.7 3.2 6.3 6.5 6.21% 1M 7D 1M 7D PGIM India Insta Cash Fund Growth ₹356.883
↑ 0.04 ₹650 0.8 1.7 3.2 6.2 6.5 5.89% 1M 3D 1M 6D HDFC Liquid Fund Growth ₹5,379
↑ 0.63 ₹53,982 0.8 1.7 3.2 6.2 6.5 7.38% 2M 1D 2M 7D Indiabulls Liquid Fund Growth ₹2,650.97
↑ 0.24 ₹162 0.7 1.7 3.2 6.2 6.6 7.48% Nippon India Liquid Fund Growth ₹6,689.75
↑ 0.75 ₹25,756 0.8 1.7 3.2 6.2 6.5 6.66% 1M 21D 1M 25D Mirae Asset Cash Management Fund Growth ₹2,873.9
↑ 0.31 ₹10,562 0.7 1.7 3.1 6.2 6.5 6.35% 1M 17D 1M 18D Kotak Liquid Fund Growth ₹5,539.43
↑ 0.60 ₹33,309 0.8 1.7 3.1 6.2 6.5 7.64% 2M 8D 2M 8D LIC MF Liquid Fund Growth ₹4,954.77
↑ 0.53 ₹11,106 0.8 1.7 3.2 6.2 6.4 7.65% 2M 1D 2M 1D SBI Liquid Fund Growth ₹4,283.49
↑ 0.49 ₹57,891 0.8 1.7 3.2 6.2 6.4 7.58% 2M 1D 2M 5D ICICI Prudential Liquid Fund Growth ₹405.671
↑ 0.05 ₹42,888 0.7 1.7 3.1 6.2 6.5 7.72% 1M 25D 2M 1D Baroda Pioneer Liquid Fund Growth ₹3,150.48
↑ 0.33 ₹8,599 0.7 1.7 3.1 6.2 6.4 7.6% 1M 26D 1M 26D Bandhan Cash Fund Growth ₹3,309.55
↑ 0.37 ₹12,083 0.7 1.7 3.1 6.2 6.4 7.32% 2M 5D 2M 6D JM Liquid Fund Growth ₹74.7283
↑ 0.01 ₹2,567 0.7 1.7 3.1 6.1 6.4 6.07% 1M 5D 1M 8D IIFL Liquid Fund Growth ₹2,108.02
↑ 0.22 ₹1,177 0.8 1.7 3.1 6.1 6.3 7.18% 1M 22D 1M 26D Sundaram Money Fund Growth ₹44.1929
↑ 0.00 ₹3,144 0.3 0.8 1.7 3.3 3.5% 1M 2D 1M 2D 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 25 Funds showcased
Commentary IDBI Liquid Fund BOI AXA Liquid Fund Edelweiss Liquid Fund Axis Liquid Fund DSP Liquidity Fund UTI Liquid Cash Plan Mahindra Liquid Fund Aditya Birla Sun Life Liquid Fund Canara Robeco Liquid Invesco India Liquid Fund Tata Liquid Fund PGIM India Insta Cash Fund HDFC Liquid Fund Indiabulls Liquid Fund Nippon India Liquid Fund Mirae Asset Cash Management Fund Kotak Liquid Fund LIC MF Liquid Fund SBI Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,611 Cr). Lower mid AUM (₹8,877 Cr). Top quartile AUM (₹30,188 Cr). Upper mid AUM (₹16,866 Cr). Upper mid AUM (₹19,763 Cr). Bottom quartile AUM (₹1,012 Cr). Top quartile AUM (₹43,022 Cr). Lower mid AUM (₹4,857 Cr). Upper mid AUM (₹11,723 Cr). Upper mid AUM (₹22,316 Cr). Bottom quartile AUM (₹650 Cr). Top quartile AUM (₹53,982 Cr). Bottom quartile AUM (₹162 Cr). Upper mid AUM (₹25,756 Cr). Lower mid AUM (₹10,562 Cr). Top quartile AUM (₹33,309 Cr). Lower mid AUM (₹11,106 Cr). Highest AUM (₹57,891 Cr). Top quartile AUM (₹42,888 Cr). Lower mid AUM (₹8,599 Cr). Upper mid AUM (₹12,083 Cr). Bottom quartile AUM (₹2,567 Cr). Bottom quartile AUM (₹1,177 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (9+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (25+ yrs). Established history (14+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (24+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (17+ yrs). Oldest track record among peers (28 yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Not Rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Top rated. Not Rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.31% (top quartile). 1Y return: 6.30% (top quartile). 1Y return: 6.30% (top quartile). 1Y return: 6.29% (top quartile). 1Y return: 6.27% (top quartile). 1Y return: 6.26% (upper mid). 1Y return: 6.26% (upper mid). 1Y return: 6.26% (upper mid). 1Y return: 6.26% (upper mid). 1Y return: 6.25% (upper mid). 1Y return: 6.24% (upper mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.22% (lower mid). 1Y return: 6.22% (lower mid). 1Y return: 6.22% (lower mid). 1Y return: 6.20% (bottom quartile). 1Y return: 6.20% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 6.17% (bottom quartile). 1Y return: 6.14% (bottom quartile). 1Y return: 6.07% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.73% (bottom quartile). 1M return: 0.75% (lower mid). 1M return: 0.77% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.76% (upper mid). 1M return: 0.74% (bottom quartile). 1M return: 0.76% (top quartile). 1M return: 0.76% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.75% (lower mid). 1M return: 0.76% (upper mid). 1M return: 0.77% (top quartile). 1M return: 0.72% (bottom quartile). 1M return: 0.76% (top quartile). 1M return: 0.74% (bottom quartile). 1M return: 0.75% (lower mid). 1M return: 0.76% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.74% (lower mid). 1M return: 0.74% (lower mid). 1M return: 0.75% (lower mid). 1M return: 0.71% (bottom quartile). 1M return: 0.76% (upper mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.46 (top quartile). Sharpe: 3.06 (top quartile). Sharpe: 3.16 (top quartile). Sharpe: 3.03 (top quartile). Sharpe: 3.05 (top quartile). Sharpe: 2.77 (upper mid). Sharpe: 2.95 (upper mid). Sharpe: 2.53 (lower mid). Sharpe: 3.15 (top quartile). Sharpe: 2.94 (upper mid). Sharpe: 2.92 (upper mid). Sharpe: 2.70 (upper mid). Sharpe: 2.65 (lower mid). Sharpe: 2.51 (bottom quartile). Sharpe: 2.60 (lower mid). Sharpe: 2.60 (lower mid). Sharpe: 2.51 (lower mid). Sharpe: 2.48 (bottom quartile). Sharpe: 2.87 (upper mid). Sharpe: 2.67 (lower mid). Sharpe: 2.21 (bottom quartile). Sharpe: 2.05 (bottom quartile). Sharpe: 1.29 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.76 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.48 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.02 (lower mid). Information ratio: -0.24 (bottom quartile). Information ratio: -0.15 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.18 (bottom quartile). Information ratio: -0.80 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: -1.47 (bottom quartile). Information ratio: -2.08 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 7.30% (lower mid). Yield to maturity (debt): 7.42% (lower mid). Yield to maturity (debt): 7.77% (top quartile). Yield to maturity (debt): 7.48% (upper mid). Yield to maturity (debt): 6.03% (bottom quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 7.73% (top quartile). Yield to maturity (debt): 7.46% (upper mid). Yield to maturity (debt): 7.46% (upper mid). Yield to maturity (debt): 6.21% (bottom quartile). Yield to maturity (debt): 5.89% (bottom quartile). Yield to maturity (debt): 7.38% (lower mid). Yield to maturity (debt): 7.48% (upper mid). Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 6.35% (bottom quartile). Yield to maturity (debt): 7.64% (top quartile). Yield to maturity (debt): 7.65% (top quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 7.72% (top quartile). Yield to maturity (debt): 7.60% (top quartile). Yield to maturity (debt): 7.32% (lower mid). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 7.18% (lower mid). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Edelweiss Liquid Fund
Axis Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Mahindra Liquid Fund
Aditya Birla Sun Life Liquid Fund
Canara Robeco Liquid
Invesco India Liquid Fund
Tata Liquid Fund
PGIM India Insta Cash Fund
HDFC Liquid Fund
Indiabulls Liquid Fund
Nippon India Liquid Fund
Mirae Asset Cash Management Fund
Kotak Liquid Fund
LIC MF Liquid Fund
SBI Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
JM Liquid Fund
IIFL Liquid Fund
Sundaram Money Fund
2. लिक्विड म्युच्युअल फंडांचा पोर्टफोलिओ आणि मॅच्युरिटी प्रोफाइल
लिक्विड म्युच्युअल फंडाच्या पोर्टफोलिओमध्ये 91 दिवसांपेक्षा कमी कालावधीची अवशिष्ट परिपक्वता असलेल्या सिक्युरिटीज असतात. जरी एखादी व्यक्ती क्रेडिट गुणवत्तेबद्दल बोलू शकते (सोप्या शब्दात, पोर्टफोलिओमधील सिक्युरिटीज किती चांगल्या आहेत) आणि पोर्टफोलिओमध्ये फरक करण्याचा प्रयत्न करू शकतो, तथापि, वास्तविक अनुभव असा आहे की पोर्टफोलिओमध्ये काही अत्यंत वाईट गुणवत्तेच्या वास्तविक समस्या असल्याशिवाय. सिक्युरिटीज, लिक्विड फंड हा मुद्दा नसावा. आजपर्यंत कोणतीच माहिती मिळालेली नाहीडीफॉल्ट लिक्विड फंड पोर्टफोलिओमध्ये आणि कंपन्या सहसा शॉर्ट मॅच्युरिटी पेपर्सवर डीफॉल्ट करत नाहीत. तथापि, फंडाचा पोर्टफोलिओ वरील म्हटल्याने फंडाचे उत्पन्न आणि त्यानंतरच्या कामगिरीबद्दल कल्पना येईल. "मागील कार्यप्रदर्शन भविष्यातील कामगिरीचे सूचक नाही" असे अनेकदा म्हटले जाते आणि लिक्विड म्युच्युअल फंडांसाठी, जर एखाद्याने काही प्रक्षेपण करण्याचा प्रयत्न केला असेल तर त्यांना फक्त पोर्टफोलिओ पाहणे आवश्यक आहे. सिक्युरिटीजचे प्रकार (व्यावसायिक कागदपत्रे (सीपी), ठेवींचे प्रमाणपत्र (सीडी) इ.), क्रेडिट गुणवत्ता आणि उत्पन्न यावरून फंडाचा परतावा प्रोफाइल काय असू शकतो याची कल्पना येते. पोर्टफोलिओचा दर्जा हा लिक्विड फंडाच्या कामगिरीचा चांगला सूचक आहे. सर्व लिक्विड म्युच्युअल फंडांची मॅच्युरिटी साधारणतः दोन दिवसांची असते आणि 91 दिवसांपेक्षा खूपच कमी असते. बहुतेक प्रकरणांमध्ये ते समान आहे.
3. तरलता आणि निधीचा आकार
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D BOI AXA Liquid Fund Growth ₹3,158.3
↑ 0.34 ₹1,611 0.7 1.7 3.2 6.3 6.6 7.3% 1M 20D 1M 20D Edelweiss Liquid Fund Growth ₹3,506.76
↑ 0.37 ₹8,877 0.8 1.7 3.2 6.3 6.5 7.42% 2M 8D 2M 8D Axis Liquid Fund Growth ₹3,053.62
↑ 0.35 ₹30,188 0.8 1.8 3.2 6.3 6.6 7.77% 2M 1D 2M 5D DSP Liquidity Fund Growth ₹3,914.97
↑ 0.45 ₹16,866 0.8 1.8 3.2 6.3 6.5 7.48% 1M 28D 2M 1D UTI Liquid Cash Plan Growth ₹4,498.37
↑ 0.53 ₹19,763 0.8 1.7 3.2 6.3 6.5 6.03% 1M 2D 1M 2D Mahindra Liquid Fund Growth ₹1,783.98
↑ 0.17 ₹1,012 0.7 1.7 3.2 6.3 6.5 7.58% 1M 23D 1M 26D Aditya Birla Sun Life Liquid Fund Growth ₹441.804
↑ 0.05 ₹43,022 0.8 1.7 3.2 6.3 6.5 7.73% 2M 5D 2M 5D Canara Robeco Liquid Growth ₹3,300.2
↑ 0.36 ₹4,857 0.8 1.8 3.2 6.3 6.5 7.46% 1M 30D 2M 4D Invesco India Liquid Fund Growth ₹3,768.05
↑ 0.40 ₹11,723 0.8 1.7 3.2 6.3 6.5 7.46% 2M 6D 2M 6D Tata Liquid Fund Growth ₹4,317.77
↑ 0.49 ₹22,316 0.7 1.7 3.2 6.3 6.5 6.21% 1M 7D 1M 7D PGIM India Insta Cash Fund Growth ₹356.883
↑ 0.04 ₹650 0.8 1.7 3.2 6.2 6.5 5.89% 1M 3D 1M 6D HDFC Liquid Fund Growth ₹5,379
↑ 0.63 ₹53,982 0.8 1.7 3.2 6.2 6.5 7.38% 2M 1D 2M 7D Indiabulls Liquid Fund Growth ₹2,650.97
↑ 0.24 ₹162 0.7 1.7 3.2 6.2 6.6 7.48% Nippon India Liquid Fund Growth ₹6,689.75
↑ 0.75 ₹25,756 0.8 1.7 3.2 6.2 6.5 6.66% 1M 21D 1M 25D Mirae Asset Cash Management Fund Growth ₹2,873.9
↑ 0.31 ₹10,562 0.7 1.7 3.1 6.2 6.5 6.35% 1M 17D 1M 18D Kotak Liquid Fund Growth ₹5,539.43
↑ 0.60 ₹33,309 0.8 1.7 3.1 6.2 6.5 7.64% 2M 8D 2M 8D LIC MF Liquid Fund Growth ₹4,954.77
↑ 0.53 ₹11,106 0.8 1.7 3.2 6.2 6.4 7.65% 2M 1D 2M 1D SBI Liquid Fund Growth ₹4,283.49
↑ 0.49 ₹57,891 0.8 1.7 3.2 6.2 6.4 7.58% 2M 1D 2M 5D ICICI Prudential Liquid Fund Growth ₹405.671
↑ 0.05 ₹42,888 0.7 1.7 3.1 6.2 6.5 7.72% 1M 25D 2M 1D Baroda Pioneer Liquid Fund Growth ₹3,150.48
↑ 0.33 ₹8,599 0.7 1.7 3.1 6.2 6.4 7.6% 1M 26D 1M 26D Bandhan Cash Fund Growth ₹3,309.55
↑ 0.37 ₹12,083 0.7 1.7 3.1 6.2 6.4 7.32% 2M 5D 2M 6D JM Liquid Fund Growth ₹74.7283
↑ 0.01 ₹2,567 0.7 1.7 3.1 6.1 6.4 6.07% 1M 5D 1M 8D IIFL Liquid Fund Growth ₹2,108.02
↑ 0.22 ₹1,177 0.8 1.7 3.1 6.1 6.3 7.18% 1M 22D 1M 26D Sundaram Money Fund Growth ₹44.1929
↑ 0.00 ₹3,144 0.3 0.8 1.7 3.3 3.5% 1M 2D 1M 2D 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 25 Funds showcased
Commentary IDBI Liquid Fund BOI AXA Liquid Fund Edelweiss Liquid Fund Axis Liquid Fund DSP Liquidity Fund UTI Liquid Cash Plan Mahindra Liquid Fund Aditya Birla Sun Life Liquid Fund Canara Robeco Liquid Invesco India Liquid Fund Tata Liquid Fund PGIM India Insta Cash Fund HDFC Liquid Fund Indiabulls Liquid Fund Nippon India Liquid Fund Mirae Asset Cash Management Fund Kotak Liquid Fund LIC MF Liquid Fund SBI Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,611 Cr). Lower mid AUM (₹8,877 Cr). Top quartile AUM (₹30,188 Cr). Upper mid AUM (₹16,866 Cr). Upper mid AUM (₹19,763 Cr). Bottom quartile AUM (₹1,012 Cr). Top quartile AUM (₹43,022 Cr). Lower mid AUM (₹4,857 Cr). Upper mid AUM (₹11,723 Cr). Upper mid AUM (₹22,316 Cr). Bottom quartile AUM (₹650 Cr). Top quartile AUM (₹53,982 Cr). Bottom quartile AUM (₹162 Cr). Upper mid AUM (₹25,756 Cr). Lower mid AUM (₹10,562 Cr). Top quartile AUM (₹33,309 Cr). Lower mid AUM (₹11,106 Cr). Highest AUM (₹57,891 Cr). Top quartile AUM (₹42,888 Cr). Lower mid AUM (₹8,599 Cr). Upper mid AUM (₹12,083 Cr). Bottom quartile AUM (₹2,567 Cr). Bottom quartile AUM (₹1,177 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (9+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (25+ yrs). Established history (14+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (24+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (17+ yrs). Established history (17+ yrs). Oldest track record among peers (28 yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Not Rated. Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Top rated. Not Rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.31% (top quartile). 1Y return: 6.30% (top quartile). 1Y return: 6.30% (top quartile). 1Y return: 6.29% (top quartile). 1Y return: 6.27% (top quartile). 1Y return: 6.26% (upper mid). 1Y return: 6.26% (upper mid). 1Y return: 6.26% (upper mid). 1Y return: 6.26% (upper mid). 1Y return: 6.25% (upper mid). 1Y return: 6.24% (upper mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.24% (lower mid). 1Y return: 6.22% (lower mid). 1Y return: 6.22% (lower mid). 1Y return: 6.22% (lower mid). 1Y return: 6.20% (bottom quartile). 1Y return: 6.20% (bottom quartile). 1Y return: 6.18% (bottom quartile). 1Y return: 6.17% (bottom quartile). 1Y return: 6.14% (bottom quartile). 1Y return: 6.07% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.73% (bottom quartile). 1M return: 0.75% (lower mid). 1M return: 0.77% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.76% (upper mid). 1M return: 0.74% (bottom quartile). 1M return: 0.76% (top quartile). 1M return: 0.76% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.75% (lower mid). 1M return: 0.76% (upper mid). 1M return: 0.77% (top quartile). 1M return: 0.72% (bottom quartile). 1M return: 0.76% (top quartile). 1M return: 0.74% (bottom quartile). 1M return: 0.75% (lower mid). 1M return: 0.76% (top quartile). 1M return: 0.76% (upper mid). 1M return: 0.74% (lower mid). 1M return: 0.74% (lower mid). 1M return: 0.75% (lower mid). 1M return: 0.71% (bottom quartile). 1M return: 0.76% (upper mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.46 (top quartile). Sharpe: 3.06 (top quartile). Sharpe: 3.16 (top quartile). Sharpe: 3.03 (top quartile). Sharpe: 3.05 (top quartile). Sharpe: 2.77 (upper mid). Sharpe: 2.95 (upper mid). Sharpe: 2.53 (lower mid). Sharpe: 3.15 (top quartile). Sharpe: 2.94 (upper mid). Sharpe: 2.92 (upper mid). Sharpe: 2.70 (upper mid). Sharpe: 2.65 (lower mid). Sharpe: 2.51 (bottom quartile). Sharpe: 2.60 (lower mid). Sharpe: 2.60 (lower mid). Sharpe: 2.51 (lower mid). Sharpe: 2.48 (bottom quartile). Sharpe: 2.87 (upper mid). Sharpe: 2.67 (lower mid). Sharpe: 2.21 (bottom quartile). Sharpe: 2.05 (bottom quartile). Sharpe: 1.29 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.76 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.48 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.02 (lower mid). Information ratio: -0.24 (bottom quartile). Information ratio: -0.15 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.18 (bottom quartile). Information ratio: -0.80 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: -1.47 (bottom quartile). Information ratio: -2.08 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 7.30% (lower mid). Yield to maturity (debt): 7.42% (lower mid). Yield to maturity (debt): 7.77% (top quartile). Yield to maturity (debt): 7.48% (upper mid). Yield to maturity (debt): 6.03% (bottom quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 7.73% (top quartile). Yield to maturity (debt): 7.46% (upper mid). Yield to maturity (debt): 7.46% (upper mid). Yield to maturity (debt): 6.21% (bottom quartile). Yield to maturity (debt): 5.89% (bottom quartile). Yield to maturity (debt): 7.38% (lower mid). Yield to maturity (debt): 7.48% (upper mid). Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 6.35% (bottom quartile). Yield to maturity (debt): 7.64% (top quartile). Yield to maturity (debt): 7.65% (top quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 7.72% (top quartile). Yield to maturity (debt): 7.60% (top quartile). Yield to maturity (debt): 7.32% (lower mid). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 7.18% (lower mid). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.15 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Edelweiss Liquid Fund
Axis Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Mahindra Liquid Fund
Aditya Birla Sun Life Liquid Fund
Canara Robeco Liquid
Invesco India Liquid Fund
Tata Liquid Fund
PGIM India Insta Cash Fund
HDFC Liquid Fund
Indiabulls Liquid Fund
Nippon India Liquid Fund
Mirae Asset Cash Management Fund
Kotak Liquid Fund
LIC MF Liquid Fund
SBI Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
JM Liquid Fund
IIFL Liquid Fund
Sundaram Money Fund
लिक्विड म्युच्युअल फंड हे करू शकतात की नाही हे पाहण्यासाठी व्यक्ती आणि कॉर्पोरेट्समधील मालमत्ता ब्रेकअप काहीसे महत्त्वाचे आहेहाताळा मोठ्या विमोचन. मोठ्या विमोचन (कधीकधी 100 किंवा 1000 कोटींचे कॉर्पोरेट्स देखील करू शकतात) पोर्टफोलिओवर दबाव आणू शकतात. तरलता संकटाच्या वेळी, एवढ्या मोठ्या प्रमाणात खरेदीदार शोधणे कठीण होईल.
खरेतर, पोर्टफोलिओचा किंमतीवर परिणाम होणार नाही याची खात्री करण्यासाठी, लिक्विड फंड मार्ककडून बाजाराकडे जमा केले गेले.हिशेब 2008 मध्ये लेहमन संकटानंतर.
तसेच, निधीचा आकार येथे गुंतवणूकदारांचे संरक्षण करतोविमोचन पासून दबावसेबी एखाद्या योजनेत सर्वाधिक वैयक्तिक होल्डिंग 20% पेक्षा जास्त असू शकत नाही असा नियम आहे. त्यामुळे बहुतांश योजनांना काही प्रमाणात संरक्षण दिले जाईल.
शीर्ष 5 लिक्विड फंड
2022 साठी सर्वोत्तम कामगिरी करणारे लिक्विड फंड आहेत-
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D BOI AXA Liquid Fund Growth ₹3,158.3
↑ 0.34 ₹1,611 0.7 1.7 3.2 6.3 6.6 7.3% 1M 20D 1M 20D Edelweiss Liquid Fund Growth ₹3,506.76
↑ 0.37 ₹8,877 0.8 1.7 3.2 6.3 6.5 7.42% 2M 8D 2M 8D Axis Liquid Fund Growth ₹3,053.62
↑ 0.35 ₹30,188 0.8 1.8 3.2 6.3 6.6 7.77% 2M 1D 2M 5D DSP Liquidity Fund Growth ₹3,914.97
↑ 0.45 ₹16,866 0.8 1.8 3.2 6.3 6.5 7.48% 1M 28D 2M 1D 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 5 Funds showcased
Commentary IDBI Liquid Fund BOI AXA Liquid Fund Edelweiss Liquid Fund Axis Liquid Fund DSP Liquidity Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,611 Cr). Lower mid AUM (₹8,877 Cr). Highest AUM (₹30,188 Cr). Upper mid AUM (₹16,866 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (16+ yrs). Oldest track record among peers (20 yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.31% (upper mid). 1Y return: 6.30% (lower mid). 1Y return: 6.30% (bottom quartile). 1Y return: 6.29% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.73% (bottom quartile). 1M return: 0.75% (lower mid). 1M return: 0.77% (top quartile). 1M return: 0.76% (upper mid). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.46 (top quartile). Sharpe: 3.06 (lower mid). Sharpe: 3.16 (upper mid). Sharpe: 3.03 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.76 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 7.30% (bottom quartile). Yield to maturity (debt): 7.42% (lower mid). Yield to maturity (debt): 7.77% (top quartile). Yield to maturity (debt): 7.48% (upper mid). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.16 yrs (lower mid). IDBI Liquid Fund
BOI AXA Liquid Fund
Edelweiss Liquid Fund
Axis Liquid Fund
DSP Liquidity Fund
4. लिक्विड म्युच्युअल फंडाचे कार्यप्रदर्शन रेटिंग
वर्तमान पोर्टफोलिओ आणि भविष्यातील दृष्टीकोन लक्षात घेतल्याशिवाय कार्यप्रदर्शन रेटिंग उद्याच्या विजेत्यांना पराभूत झालेल्यांपासून वेगळे करू शकणार नाही. त्यामुळे, मागास-दिसणाऱ्या रेटिंगवरून भूतकाळातील कामगिरीची कल्पना येऊ शकते, परंतु फंडाची निवड रद्द करण्यासाठी एक उपाय म्हणून कोणीही याचा वापर करू शकतो.
निष्कर्ष
लिक्विड म्युच्युअल फंड शोधत असताना अनेक घटकांकडे लक्ष देणे आवश्यक आहे आणि नंतर संबंधित फंड निवडणे आवश्यक आहे.
अस्वीकरण: गुंतवणुकीचा कोणताही निर्णय घेण्यापूर्वी कृपया तुमच्या सल्लागाराचा सल्ला घ्या आणि स्वतंत्र संशोधन करा.
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.
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