+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 (%) 2024 (%) 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 Axis Liquid Fund Growth ₹3,120.09
↑ 0.51 ₹56,438 0.5 1.7 3.4 6.4 6.6 6.47% 2M 5D 2M 5D Edelweiss Liquid Fund Growth ₹3,582.92
↑ 0.59 ₹13,796 0.5 1.7 3.3 6.4 6.5 6.33% 2M 2D 2M 2D BOI AXA Liquid Fund Growth ₹3,226.38
↑ 0.54 ₹1,728 0.5 1.7 3.3 6.4 6.6 6.26% 1M 13D 1M 13D DSP Liquidity Fund Growth ₹3,999.33
↑ 0.67 ₹22,962 0.5 1.7 3.3 6.4 6.5 6.45% 2M 5D 2M 8D Aditya Birla Sun Life Liquid Fund Growth ₹451.328
↑ 0.07 ₹68,800 0.5 1.7 3.3 6.4 6.5 6.49% 2M 5D 2M 5D PGIM India Insta Cash Fund Growth ₹364.618
↑ 0.06 ₹787 0.5 1.7 3.3 6.4 6.5 6.34% 1M 28D 2M 1D UTI Liquid Cash Plan Growth ₹459.457
↑ 0.08 ₹26,728 0.5 1.7 3.3 6.4 6.5 6.31% 1M 27D 1M 27D Invesco India Liquid Fund Growth ₹3,849.48
↑ 0.63 ₹20,723 0.5 1.7 3.3 6.4 6.5 6.32% 1M 11D 1M 11D Indiabulls Liquid Fund Growth ₹2,707.98
↑ 0.45 ₹323 0.5 1.7 3.3 6.4 6.6 6.4% 1M 18D 1M 18D Mahindra Liquid Fund Growth ₹1,822.1
↑ 0.30 ₹1,280 0.5 1.7 3.3 6.3 6.5 6.47% 1M 16D 1M 20D Canara Robeco Liquid Growth ₹3,370.33
↑ 0.54 ₹6,792 0.5 1.7 3.3 6.3 6.5 6.38% 2M 2D 2M 6D LIC MF Liquid Fund Growth ₹5,061.24
↑ 0.83 ₹16,809 0.5 1.7 3.3 6.3 6.4 7.12% 2M 1D 2M 1D Nippon India Liquid Fund Growth ₹6,833.36
↑ 1.11 ₹41,346 0.5 1.7 3.3 6.3 6.5 6.5% 2M 2M 4D Tata Liquid Fund Growth ₹4,409.61
↑ 0.72 ₹27,603 0.5 1.7 3.3 6.3 6.5 6.44% 2M 11D 2M 11D HDFC Liquid Fund Growth ₹5,493.04
↑ 0.89 ₹65,870 0.5 1.7 3.3 6.3 6.5 6.36% 2M 2M 5D SBI Liquid Fund Growth ₹4,375.52
↑ 0.72 ₹84,055 0.5 1.7 3.3 6.3 6.4 6.5% 2M 5D 2M 12D ICICI Prudential Liquid Fund Growth ₹414.381
↑ 0.07 ₹61,558 0.5 1.7 3.3 6.3 6.5 6.44% 2M 9D 2M 15D Kotak Liquid Fund Growth ₹5,657.85
↑ 0.92 ₹51,309 0.5 1.7 3.3 6.3 6.5 6.48% 2M 8D 2M 12D Baroda Pioneer Liquid Fund Growth ₹3,217.6
↑ 0.53 ₹12,206 0.5 1.7 3.3 6.3 6.4 6.58% 1M 25D 1M 27D Bandhan Cash Fund Growth ₹3,379.67
↑ 0.54 ₹19,861 0.5 1.7 3.3 6.3 6.4 6.29% 2M 6D 2M 6D Mirae Asset Cash Management Fund Growth ₹2,933.97
↑ 0.49 ₹13,190 0.5 1.7 3.2 6.3 6.5 6.4% 2M 1D 2M 6D JM Liquid Fund Growth ₹76.3101
↑ 0.01 ₹2,849 0.5 1.7 3.2 6.2 6.4 6.27% 2M 3D 2M 7D IIFL Liquid Fund Growth ₹2,150.1
↑ 0.67 ₹573 0.5 1.6 3.1 6.1 6.3 6.18% 1M 13D 1M 13D 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 Axis Liquid Fund Edelweiss Liquid Fund BOI AXA Liquid Fund DSP Liquidity Fund Aditya Birla Sun Life Liquid Fund PGIM India Insta Cash Fund UTI Liquid Cash Plan Invesco India Liquid Fund Indiabulls Liquid Fund Mahindra Liquid Fund Canara Robeco Liquid LIC MF Liquid Fund Nippon India Liquid Fund Tata Liquid Fund HDFC Liquid Fund SBI Liquid Fund ICICI Prudential Liquid Fund Kotak Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund Mirae Asset Cash Management Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Top quartile AUM (₹56,438 Cr). Lower mid AUM (₹13,796 Cr). Bottom quartile AUM (₹1,728 Cr). Upper mid AUM (₹22,962 Cr). Top quartile AUM (₹68,800 Cr). Bottom quartile AUM (₹787 Cr). Upper mid AUM (₹26,728 Cr). Upper mid AUM (₹20,723 Cr). Bottom quartile AUM (₹323 Cr). Bottom quartile AUM (₹1,280 Cr). Lower mid AUM (₹6,792 Cr). Lower mid AUM (₹16,809 Cr). Upper mid AUM (₹41,346 Cr). Upper mid AUM (₹27,603 Cr). Top quartile AUM (₹65,870 Cr). Highest AUM (₹84,055 Cr). Top quartile AUM (₹61,558 Cr). Top quartile AUM (₹51,309 Cr). Lower mid AUM (₹12,206 Cr). Upper mid AUM (₹19,861 Cr). Lower mid AUM (₹13,190 Cr). Bottom quartile AUM (₹2,849 Cr). Bottom quartile AUM (₹573 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (18+ yrs). Established history (22+ yrs). Established history (19+ yrs). Established history (14+ yrs). Established history (10+ yrs). Established history (18+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (21+ yrs). Established history (25+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (18+ 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: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Top rated. Not Rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 5★ (top quartile). 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: 6.42% (top quartile). 1Y return: 6.41% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.38% (top quartile). 1Y return: 6.37% (upper mid). 1Y return: 6.37% (upper mid). 1Y return: 6.36% (upper mid). 1Y return: 6.36% (upper mid). 1Y return: 6.34% (upper mid). 1Y return: 6.34% (upper mid). 1Y return: 6.34% (lower mid). 1Y return: 6.34% (lower mid). 1Y return: 6.33% (lower mid). 1Y return: 6.33% (lower mid). 1Y return: 6.32% (lower mid). 1Y return: 6.31% (lower mid). 1Y return: 6.31% (bottom quartile). 1Y return: 6.30% (bottom quartile). 1Y return: 6.28% (bottom quartile). 1Y return: 6.26% (bottom quartile). 1Y return: 6.23% (bottom quartile). 1Y return: 6.10% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (lower mid). 1M return: 0.54% (top quartile). 1M return: 0.53% (upper mid). 1M return: 0.53% (upper mid). 1M return: 0.54% (top quartile). 1M return: 0.54% (top quartile). 1M return: 0.53% (lower mid). 1M return: 0.53% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.54% (top quartile). 1M return: 0.55% (top quartile). 1M return: 0.54% (top quartile). 1M return: 0.53% (bottom quartile). 1M return: 0.53% (lower mid). 1M return: 0.53% (lower mid). 1M return: 0.53% (lower mid). 1M return: 0.53% (upper mid). 1M return: 0.53% (lower mid). 1M return: 0.53% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.52% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.53% (bottom quartile). 1M return: 0.51% (bottom quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.57 (top quartile). Sharpe: 2.51 (top quartile). Sharpe: 2.77 (top quartile). Sharpe: 2.50 (top quartile). Sharpe: 2.40 (upper mid). Sharpe: 2.48 (upper mid). Sharpe: 2.54 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.53 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.38 (lower mid). Sharpe: 2.31 (lower mid). Sharpe: 2.29 (lower mid). Sharpe: 2.49 (upper mid). Sharpe: 2.31 (lower mid). Sharpe: 2.24 (bottom quartile). Sharpe: 2.32 (lower mid). Sharpe: 2.23 (bottom quartile). Sharpe: 2.38 (upper mid). Sharpe: 2.14 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.06 (bottom quartile). Sharpe: 1.58 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 2.18 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 1.02 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 1.19 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.26 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.84 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.93 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.48 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.08 (upper mid). Information ratio: -1.20 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.33% (lower mid). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.45% (upper mid). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.34% (lower mid). Yield to maturity (debt): 6.31% (bottom quartile). Yield to maturity (debt): 6.32% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.38% (lower mid). Yield to maturity (debt): 7.12% (top quartile). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.36% (lower mid). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.48% (upper mid). Yield to maturity (debt): 6.58% (top quartile). Yield to maturity (debt): 6.29% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.27% (bottom quartile). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.20 yrs (bottom quartile). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.19 yrs (bottom 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 (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
BOI AXA Liquid Fund
DSP Liquidity Fund
Aditya Birla Sun Life Liquid Fund
PGIM India Insta Cash Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
Indiabulls Liquid Fund
Mahindra Liquid Fund
Canara Robeco Liquid
LIC MF Liquid Fund
Nippon India Liquid Fund
Tata Liquid Fund
HDFC Liquid Fund
SBI Liquid Fund
ICICI Prudential Liquid Fund
Kotak Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
Mirae Asset Cash Management 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 (%) 2024 (%) 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 Axis Liquid Fund Growth ₹3,120.09
↑ 0.51 ₹56,438 0.5 1.7 3.4 6.4 6.6 6.47% 2M 5D 2M 5D Edelweiss Liquid Fund Growth ₹3,582.92
↑ 0.59 ₹13,796 0.5 1.7 3.3 6.4 6.5 6.33% 2M 2D 2M 2D BOI AXA Liquid Fund Growth ₹3,226.38
↑ 0.54 ₹1,728 0.5 1.7 3.3 6.4 6.6 6.26% 1M 13D 1M 13D DSP Liquidity Fund Growth ₹3,999.33
↑ 0.67 ₹22,962 0.5 1.7 3.3 6.4 6.5 6.45% 2M 5D 2M 8D Aditya Birla Sun Life Liquid Fund Growth ₹451.328
↑ 0.07 ₹68,800 0.5 1.7 3.3 6.4 6.5 6.49% 2M 5D 2M 5D PGIM India Insta Cash Fund Growth ₹364.618
↑ 0.06 ₹787 0.5 1.7 3.3 6.4 6.5 6.34% 1M 28D 2M 1D UTI Liquid Cash Plan Growth ₹459.457
↑ 0.08 ₹26,728 0.5 1.7 3.3 6.4 6.5 6.31% 1M 27D 1M 27D Invesco India Liquid Fund Growth ₹3,849.48
↑ 0.63 ₹20,723 0.5 1.7 3.3 6.4 6.5 6.32% 1M 11D 1M 11D Indiabulls Liquid Fund Growth ₹2,707.98
↑ 0.45 ₹323 0.5 1.7 3.3 6.4 6.6 6.4% 1M 18D 1M 18D Mahindra Liquid Fund Growth ₹1,822.1
↑ 0.30 ₹1,280 0.5 1.7 3.3 6.3 6.5 6.47% 1M 16D 1M 20D Canara Robeco Liquid Growth ₹3,370.33
↑ 0.54 ₹6,792 0.5 1.7 3.3 6.3 6.5 6.38% 2M 2D 2M 6D LIC MF Liquid Fund Growth ₹5,061.24
↑ 0.83 ₹16,809 0.5 1.7 3.3 6.3 6.4 7.12% 2M 1D 2M 1D Nippon India Liquid Fund Growth ₹6,833.36
↑ 1.11 ₹41,346 0.5 1.7 3.3 6.3 6.5 6.5% 2M 2M 4D Tata Liquid Fund Growth ₹4,409.61
↑ 0.72 ₹27,603 0.5 1.7 3.3 6.3 6.5 6.44% 2M 11D 2M 11D HDFC Liquid Fund Growth ₹5,493.04
↑ 0.89 ₹65,870 0.5 1.7 3.3 6.3 6.5 6.36% 2M 2M 5D SBI Liquid Fund Growth ₹4,375.52
↑ 0.72 ₹84,055 0.5 1.7 3.3 6.3 6.4 6.5% 2M 5D 2M 12D ICICI Prudential Liquid Fund Growth ₹414.381
↑ 0.07 ₹61,558 0.5 1.7 3.3 6.3 6.5 6.44% 2M 9D 2M 15D Kotak Liquid Fund Growth ₹5,657.85
↑ 0.92 ₹51,309 0.5 1.7 3.3 6.3 6.5 6.48% 2M 8D 2M 12D Baroda Pioneer Liquid Fund Growth ₹3,217.6
↑ 0.53 ₹12,206 0.5 1.7 3.3 6.3 6.4 6.58% 1M 25D 1M 27D Bandhan Cash Fund Growth ₹3,379.67
↑ 0.54 ₹19,861 0.5 1.7 3.3 6.3 6.4 6.29% 2M 6D 2M 6D Mirae Asset Cash Management Fund Growth ₹2,933.97
↑ 0.49 ₹13,190 0.5 1.7 3.2 6.3 6.5 6.4% 2M 1D 2M 6D JM Liquid Fund Growth ₹76.3101
↑ 0.01 ₹2,849 0.5 1.7 3.2 6.2 6.4 6.27% 2M 3D 2M 7D IIFL Liquid Fund Growth ₹2,150.1
↑ 0.67 ₹573 0.5 1.6 3.1 6.1 6.3 6.18% 1M 13D 1M 13D 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 Axis Liquid Fund Edelweiss Liquid Fund BOI AXA Liquid Fund DSP Liquidity Fund Aditya Birla Sun Life Liquid Fund PGIM India Insta Cash Fund UTI Liquid Cash Plan Invesco India Liquid Fund Indiabulls Liquid Fund Mahindra Liquid Fund Canara Robeco Liquid LIC MF Liquid Fund Nippon India Liquid Fund Tata Liquid Fund HDFC Liquid Fund SBI Liquid Fund ICICI Prudential Liquid Fund Kotak Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund Mirae Asset Cash Management Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Top quartile AUM (₹56,438 Cr). Lower mid AUM (₹13,796 Cr). Bottom quartile AUM (₹1,728 Cr). Upper mid AUM (₹22,962 Cr). Top quartile AUM (₹68,800 Cr). Bottom quartile AUM (₹787 Cr). Upper mid AUM (₹26,728 Cr). Upper mid AUM (₹20,723 Cr). Bottom quartile AUM (₹323 Cr). Bottom quartile AUM (₹1,280 Cr). Lower mid AUM (₹6,792 Cr). Lower mid AUM (₹16,809 Cr). Upper mid AUM (₹41,346 Cr). Upper mid AUM (₹27,603 Cr). Top quartile AUM (₹65,870 Cr). Highest AUM (₹84,055 Cr). Top quartile AUM (₹61,558 Cr). Top quartile AUM (₹51,309 Cr). Lower mid AUM (₹12,206 Cr). Upper mid AUM (₹19,861 Cr). Lower mid AUM (₹13,190 Cr). Bottom quartile AUM (₹2,849 Cr). Bottom quartile AUM (₹573 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (18+ yrs). Established history (22+ yrs). Established history (19+ yrs). Established history (14+ yrs). Established history (10+ yrs). Established history (18+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (21+ yrs). Established history (25+ yrs). Established history (19+ yrs). Established history (20+ yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (18+ 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: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Top rated. Not Rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 5★ (top quartile). 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: 6.42% (top quartile). 1Y return: 6.41% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.38% (top quartile). 1Y return: 6.37% (upper mid). 1Y return: 6.37% (upper mid). 1Y return: 6.36% (upper mid). 1Y return: 6.36% (upper mid). 1Y return: 6.34% (upper mid). 1Y return: 6.34% (upper mid). 1Y return: 6.34% (lower mid). 1Y return: 6.34% (lower mid). 1Y return: 6.33% (lower mid). 1Y return: 6.33% (lower mid). 1Y return: 6.32% (lower mid). 1Y return: 6.31% (lower mid). 1Y return: 6.31% (bottom quartile). 1Y return: 6.30% (bottom quartile). 1Y return: 6.28% (bottom quartile). 1Y return: 6.26% (bottom quartile). 1Y return: 6.23% (bottom quartile). 1Y return: 6.10% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (lower mid). 1M return: 0.54% (top quartile). 1M return: 0.53% (upper mid). 1M return: 0.53% (upper mid). 1M return: 0.54% (top quartile). 1M return: 0.54% (top quartile). 1M return: 0.53% (lower mid). 1M return: 0.53% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.54% (top quartile). 1M return: 0.55% (top quartile). 1M return: 0.54% (top quartile). 1M return: 0.53% (bottom quartile). 1M return: 0.53% (lower mid). 1M return: 0.53% (lower mid). 1M return: 0.53% (lower mid). 1M return: 0.53% (upper mid). 1M return: 0.53% (lower mid). 1M return: 0.53% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.52% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.53% (bottom quartile). 1M return: 0.51% (bottom quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.57 (top quartile). Sharpe: 2.51 (top quartile). Sharpe: 2.77 (top quartile). Sharpe: 2.50 (top quartile). Sharpe: 2.40 (upper mid). Sharpe: 2.48 (upper mid). Sharpe: 2.54 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.53 (top quartile). Sharpe: 2.42 (upper mid). Sharpe: 2.38 (lower mid). Sharpe: 2.31 (lower mid). Sharpe: 2.29 (lower mid). Sharpe: 2.49 (upper mid). Sharpe: 2.31 (lower mid). Sharpe: 2.24 (bottom quartile). Sharpe: 2.32 (lower mid). Sharpe: 2.23 (bottom quartile). Sharpe: 2.38 (upper mid). Sharpe: 2.14 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.06 (bottom quartile). Sharpe: 1.58 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 2.18 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 1.02 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 1.19 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 1.26 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.84 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.93 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.48 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.08 (upper mid). Information ratio: -1.20 (bottom quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.33% (lower mid). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.45% (upper mid). Yield to maturity (debt): 6.49% (top quartile). Yield to maturity (debt): 6.34% (lower mid). Yield to maturity (debt): 6.31% (bottom quartile). Yield to maturity (debt): 6.32% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.38% (lower mid). Yield to maturity (debt): 7.12% (top quartile). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.36% (lower mid). Yield to maturity (debt): 6.50% (top quartile). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.48% (upper mid). Yield to maturity (debt): 6.58% (top quartile). Yield to maturity (debt): 6.29% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.27% (bottom quartile). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.16 yrs (upper mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.13 yrs (top quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.20 yrs (bottom quartile). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.18 yrs (lower mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.19 yrs (bottom 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 (lower mid). Modified duration: 0.12 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
BOI AXA Liquid Fund
DSP Liquidity Fund
Aditya Birla Sun Life Liquid Fund
PGIM India Insta Cash Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
Indiabulls Liquid Fund
Mahindra Liquid Fund
Canara Robeco Liquid
LIC MF Liquid Fund
Nippon India Liquid Fund
Tata Liquid Fund
HDFC Liquid Fund
SBI Liquid Fund
ICICI Prudential Liquid Fund
Kotak Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
Mirae Asset Cash Management 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 (%) 2024 (%) 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 Axis Liquid Fund Growth ₹3,120.09
↑ 0.51 ₹56,438 0.5 1.7 3.4 6.4 6.6 6.47% 2M 5D 2M 5D Edelweiss Liquid Fund Growth ₹3,582.92
↑ 0.59 ₹13,796 0.5 1.7 3.3 6.4 6.5 6.33% 2M 2D 2M 2D BOI AXA Liquid Fund Growth ₹3,226.38
↑ 0.54 ₹1,728 0.5 1.7 3.3 6.4 6.6 6.26% 1M 13D 1M 13D DSP Liquidity Fund Growth ₹3,999.33
↑ 0.67 ₹22,962 0.5 1.7 3.3 6.4 6.5 6.45% 2M 5D 2M 8D 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 Axis Liquid Fund Edelweiss Liquid Fund BOI AXA Liquid Fund DSP Liquidity Fund Point 1 Bottom quartile AUM (₹503 Cr). Highest AUM (₹56,438 Cr). Lower mid AUM (₹13,796 Cr). Bottom quartile AUM (₹1,728 Cr). Upper mid AUM (₹22,962 Cr). Point 2 Established history (16+ yrs). Established history (16+ yrs). Established history (18+ yrs). Established history (18+ yrs). Oldest track record among peers (20 yrs). Point 3 Rating: 3★ (upper mid). Top rated. Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). 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: 6.42% (upper mid). 1Y return: 6.41% (lower mid). 1Y return: 6.39% (bottom quartile). 1Y return: 6.39% (bottom quartile). Point 6 1M return: 0.53% (bottom quartile). 1M return: 0.54% (top quartile). 1M return: 0.53% (lower mid). 1M return: 0.53% (bottom quartile). 1M return: 0.54% (upper mid). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 2.57 (upper mid). Sharpe: 2.51 (lower mid). Sharpe: 2.77 (top quartile). Sharpe: 2.50 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 2.18 (top quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.47% (upper mid). Yield to maturity (debt): 6.33% (bottom quartile). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.45% (lower mid). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.18 yrs (bottom quartile). Modified duration: 0.17 yrs (lower mid). Modified duration: 0.12 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). IDBI Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
BOI AXA 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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