+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 BOI AXA Liquid Fund Growth ₹3,098.62
↑ 0.53 ₹1,426 0.5 1.5 2.9 6.5 6.6 5.94% 1M 20D 1M 20D Axis Liquid Fund Growth ₹2,995.35
↑ 0.52 ₹37,358 0.5 1.5 2.9 6.5 6.6 5.98% 1M 9D 1M 12D Indiabulls Liquid Fund Growth ₹2,601.43
↑ 0.44 ₹183 0.5 1.5 2.9 6.5 6.6 5.88% 1M 20D 1M 21D Edelweiss Liquid Fund Growth ₹3,440.53
↑ 0.63 ₹10,214 0.5 1.5 2.9 6.5 6.5 5.92% 1M 2D 1M 2D Canara Robeco Liquid Growth ₹3,237.64
↑ 0.55 ₹6,249 0.5 1.4 2.9 6.5 6.5 5.86% 28D 30D UTI Liquid Cash Plan Growth ₹4,412.98
↑ 0.70 ₹24,570 0.5 1.5 2.9 6.5 6.5 6% 1M 11D 1M 11D Tata Liquid Fund Growth ₹4,236.57
↑ 0.64 ₹22,790 0.5 1.5 2.9 6.5 6.5 6.04% 1M 15D 1M 15D PGIM India Insta Cash Fund Growth ₹350.16
↑ 0.06 ₹557 0.5 1.4 2.9 6.5 6.5 5.96% 1M 11D 1M 13D Aditya Birla Sun Life Liquid Fund Growth ₹433.433
↑ 0.08 ₹53,926 0.5 1.5 2.9 6.5 6.5 6.06% 1M 6D 1M 6D DSP Liquidity Fund Growth ₹3,840.45
↑ 0.67 ₹21,344 0.5 1.5 2.9 6.5 6.5 5.98% 1M 2D 1M 6D Invesco India Liquid Fund Growth ₹3,697
↑ 0.64 ₹15,709 0.5 1.4 2.9 6.5 6.5 5.94% 1M 10D 1M 10D Mahindra Liquid Fund Growth ₹1,750.55
↑ 0.30 ₹1,086 0.5 1.5 2.9 6.5 6.5 6.06% 1M 16D 1M 16D HDFC Liquid Fund Growth ₹5,277.01
↑ 0.83 ₹63,737 0.5 1.5 2.9 6.5 6.5 6.04% 1M 19D 1M 24D Kotak Liquid Fund Growth ₹5,436.02
↑ 0.93 ₹32,765 0.5 1.4 2.9 6.5 6.5 5.95% 1M 10D 1M 10D Mirae Asset Cash Management Fund Growth ₹2,820.5
↑ 0.48 ₹18,005 0.5 1.5 2.9 6.5 6.5 5.85% 1M 6D 1M 10D Nippon India Liquid Fund Growth ₹6,563.64
↑ 1.17 ₹27,702 0.5 1.4 2.9 6.5 6.5 6.03% 1M 15D 1M 17D ICICI Prudential Liquid Fund Growth ₹398.128
↑ 0.07 ₹49,334 0.5 1.4 2.9 6.5 6.5 5.97% 1M 10D 1M 13D SBI Liquid Fund Growth ₹4,202.83
↑ 0.70 ₹67,174 0.5 1.4 2.8 6.4 6.4 5.99% 1M 13D 1M 17D Baroda Pioneer Liquid Fund Growth ₹3,091.66
↑ 0.54 ₹10,643 0.5 1.4 2.9 6.4 6.4 5.96% 1M 9D 1M 9D LIC MF Liquid Fund Growth ₹4,860.98
↑ 0.85 ₹11,543 0.5 1.4 2.9 6.4 6.4 5.93% 1M 15D 1M 15D Bandhan Cash Fund Growth ₹3,247.96
↑ 0.54 ₹17,409 0.5 1.4 2.9 6.4 6.4 5.93% 1M 6D 1M 6D JM Liquid Fund Growth ₹73.3579
↑ 0.01 ₹2,851 0.5 1.4 2.8 6.4 6.4 5.91% 1M 10D 1M 14D IIFL Liquid Fund Growth ₹2,069.1
↑ 0.33 ₹1,023 0.5 1.4 2.8 6.3 6.3 5.93% 1M 10D 1M 12D 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 Axis Liquid Fund Indiabulls Liquid Fund Edelweiss Liquid Fund Canara Robeco Liquid UTI Liquid Cash Plan Tata Liquid Fund PGIM India Insta Cash Fund Aditya Birla Sun Life Liquid Fund DSP Liquidity Fund Invesco India Liquid Fund Mahindra Liquid Fund HDFC Liquid Fund Kotak Liquid Fund Mirae Asset Cash Management Fund Nippon India Liquid Fund ICICI Prudential Liquid Fund SBI Liquid Fund Baroda Pioneer Liquid Fund LIC MF Liquid Fund Bandhan Cash Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,426 Cr). Top quartile AUM (₹37,358 Cr). Bottom quartile AUM (₹183 Cr). Lower mid AUM (₹10,214 Cr). Lower mid AUM (₹6,249 Cr). Upper mid AUM (₹24,570 Cr). Upper mid AUM (₹22,790 Cr). Bottom quartile AUM (₹557 Cr). Top quartile AUM (₹53,926 Cr). Upper mid AUM (₹21,344 Cr). Lower mid AUM (₹15,709 Cr). Bottom quartile AUM (₹1,086 Cr). Top quartile AUM (₹63,737 Cr). Top quartile AUM (₹32,765 Cr). Upper mid AUM (₹18,005 Cr). Upper mid AUM (₹27,702 Cr). Top quartile AUM (₹49,334 Cr). Highest AUM (₹67,174 Cr). Lower mid AUM (₹10,643 Cr). Lower mid AUM (₹11,543 Cr). Upper mid AUM (₹17,409 Cr). Bottom quartile AUM (₹2,851 Cr). Bottom quartile AUM (₹1,023 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (14+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (9+ yrs). Established history (25+ yrs). Established history (22+ yrs). Established history (16+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (23+ yrs). Established history (17+ yrs). Oldest track record among peers (28 yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Not Rated. Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (bottom quartile). Rating: 3★ (lower mid). Rating: 5★ (top quartile). Not Rated. Rating: 3★ (upper mid). 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: 6.54% (top quartile). 1Y return: 6.52% (top quartile). 1Y return: 6.52% (top quartile). 1Y return: 6.51% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.50% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.48% (upper mid). 1Y return: 6.48% (lower mid). 1Y return: 6.47% (lower mid). 1Y return: 6.47% (lower mid). 1Y return: 6.46% (lower mid). 1Y return: 6.46% (lower mid). 1Y return: 6.45% (lower mid). 1Y return: 6.40% (bottom quartile). 1Y return: 6.40% (bottom quartile). 1Y return: 6.39% (bottom quartile). 1Y return: 6.39% (bottom quartile). 1Y return: 6.38% (bottom quartile). 1Y return: 6.27% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (top quartile). 1M return: 0.50% (top quartile). 1M return: 0.50% (top quartile). 1M return: 0.50% (top quartile). 1M return: 0.50% (upper mid). 1M return: 0.50% (upper mid). 1M return: 0.50% (upper mid). 1M return: 0.49% (lower mid). 1M return: 0.50% (upper mid). 1M return: 0.50% (top quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.50% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.49% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.50% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.48% (bottom quartile). 1M return: 0.50% (upper mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.84 (top quartile). Sharpe: 3.40 (top quartile). Sharpe: 3.30 (top quartile). Sharpe: 3.62 (top quartile). Sharpe: 3.09 (upper mid). Sharpe: 3.07 (lower mid). Sharpe: 3.10 (upper mid). Sharpe: 3.19 (upper mid). Sharpe: 3.07 (upper mid). Sharpe: 3.34 (top quartile). Sharpe: 3.20 (upper mid). Sharpe: 3.71 (top quartile). Sharpe: 2.75 (lower mid). Sharpe: 2.82 (lower mid). Sharpe: 3.29 (upper mid). Sharpe: 2.90 (lower mid). Sharpe: 2.87 (lower mid). Sharpe: 2.50 (bottom quartile). Sharpe: 2.68 (bottom quartile). Sharpe: 2.66 (bottom quartile). Sharpe: 2.69 (lower mid). Sharpe: 2.52 (bottom quartile). Sharpe: 2.26 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.15 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.88 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.31 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.18 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: -0.54 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.32 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: -1.88 (bottom quartile). Information ratio: -2.81 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 5.94% (lower mid). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 5.88% (bottom quartile). Yield to maturity (debt): 5.92% (bottom quartile). Yield to maturity (debt): 5.86% (bottom quartile). Yield to maturity (debt): 6.00% (upper mid). Yield to maturity (debt): 6.04% (top quartile). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 6.06% (top quartile). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 5.94% (lower mid). Yield to maturity (debt): 6.06% (top quartile). Yield to maturity (debt): 6.04% (top quartile). Yield to maturity (debt): 5.95% (lower mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 6.03% (top quartile). Yield to maturity (debt): 5.97% (upper mid). Yield to maturity (debt): 5.99% (upper mid). Yield to maturity (debt): 5.96% (lower mid). Yield to maturity (debt): 5.93% (lower mid). Yield to maturity (debt): 5.93% (bottom quartile). Yield to maturity (debt): 5.91% (bottom quartile). Yield to maturity (debt): 5.93% (lower mid). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Indiabulls Liquid Fund
Edelweiss Liquid Fund
Canara Robeco Liquid
UTI Liquid Cash Plan
Tata Liquid Fund
PGIM India Insta Cash Fund
Aditya Birla Sun Life Liquid Fund
DSP Liquidity Fund
Invesco India Liquid Fund
Mahindra Liquid Fund
HDFC Liquid Fund
Kotak Liquid Fund
Mirae Asset Cash Management Fund
Nippon India Liquid Fund
ICICI Prudential Liquid Fund
SBI Liquid Fund
Baroda Pioneer Liquid Fund
LIC MF 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 (%) 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 BOI AXA Liquid Fund Growth ₹3,098.62
↑ 0.53 ₹1,426 0.5 1.5 2.9 6.5 6.6 5.94% 1M 20D 1M 20D Axis Liquid Fund Growth ₹2,995.35
↑ 0.52 ₹37,358 0.5 1.5 2.9 6.5 6.6 5.98% 1M 9D 1M 12D Indiabulls Liquid Fund Growth ₹2,601.43
↑ 0.44 ₹183 0.5 1.5 2.9 6.5 6.6 5.88% 1M 20D 1M 21D Edelweiss Liquid Fund Growth ₹3,440.53
↑ 0.63 ₹10,214 0.5 1.5 2.9 6.5 6.5 5.92% 1M 2D 1M 2D Canara Robeco Liquid Growth ₹3,237.64
↑ 0.55 ₹6,249 0.5 1.4 2.9 6.5 6.5 5.86% 28D 30D UTI Liquid Cash Plan Growth ₹4,412.98
↑ 0.70 ₹24,570 0.5 1.5 2.9 6.5 6.5 6% 1M 11D 1M 11D Tata Liquid Fund Growth ₹4,236.57
↑ 0.64 ₹22,790 0.5 1.5 2.9 6.5 6.5 6.04% 1M 15D 1M 15D PGIM India Insta Cash Fund Growth ₹350.16
↑ 0.06 ₹557 0.5 1.4 2.9 6.5 6.5 5.96% 1M 11D 1M 13D Aditya Birla Sun Life Liquid Fund Growth ₹433.433
↑ 0.08 ₹53,926 0.5 1.5 2.9 6.5 6.5 6.06% 1M 6D 1M 6D DSP Liquidity Fund Growth ₹3,840.45
↑ 0.67 ₹21,344 0.5 1.5 2.9 6.5 6.5 5.98% 1M 2D 1M 6D Invesco India Liquid Fund Growth ₹3,697
↑ 0.64 ₹15,709 0.5 1.4 2.9 6.5 6.5 5.94% 1M 10D 1M 10D Mahindra Liquid Fund Growth ₹1,750.55
↑ 0.30 ₹1,086 0.5 1.5 2.9 6.5 6.5 6.06% 1M 16D 1M 16D HDFC Liquid Fund Growth ₹5,277.01
↑ 0.83 ₹63,737 0.5 1.5 2.9 6.5 6.5 6.04% 1M 19D 1M 24D Kotak Liquid Fund Growth ₹5,436.02
↑ 0.93 ₹32,765 0.5 1.4 2.9 6.5 6.5 5.95% 1M 10D 1M 10D Mirae Asset Cash Management Fund Growth ₹2,820.5
↑ 0.48 ₹18,005 0.5 1.5 2.9 6.5 6.5 5.85% 1M 6D 1M 10D Nippon India Liquid Fund Growth ₹6,563.64
↑ 1.17 ₹27,702 0.5 1.4 2.9 6.5 6.5 6.03% 1M 15D 1M 17D ICICI Prudential Liquid Fund Growth ₹398.128
↑ 0.07 ₹49,334 0.5 1.4 2.9 6.5 6.5 5.97% 1M 10D 1M 13D SBI Liquid Fund Growth ₹4,202.83
↑ 0.70 ₹67,174 0.5 1.4 2.8 6.4 6.4 5.99% 1M 13D 1M 17D Baroda Pioneer Liquid Fund Growth ₹3,091.66
↑ 0.54 ₹10,643 0.5 1.4 2.9 6.4 6.4 5.96% 1M 9D 1M 9D LIC MF Liquid Fund Growth ₹4,860.98
↑ 0.85 ₹11,543 0.5 1.4 2.9 6.4 6.4 5.93% 1M 15D 1M 15D Bandhan Cash Fund Growth ₹3,247.96
↑ 0.54 ₹17,409 0.5 1.4 2.9 6.4 6.4 5.93% 1M 6D 1M 6D JM Liquid Fund Growth ₹73.3579
↑ 0.01 ₹2,851 0.5 1.4 2.8 6.4 6.4 5.91% 1M 10D 1M 14D IIFL Liquid Fund Growth ₹2,069.1
↑ 0.33 ₹1,023 0.5 1.4 2.8 6.3 6.3 5.93% 1M 10D 1M 12D 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 Axis Liquid Fund Indiabulls Liquid Fund Edelweiss Liquid Fund Canara Robeco Liquid UTI Liquid Cash Plan Tata Liquid Fund PGIM India Insta Cash Fund Aditya Birla Sun Life Liquid Fund DSP Liquidity Fund Invesco India Liquid Fund Mahindra Liquid Fund HDFC Liquid Fund Kotak Liquid Fund Mirae Asset Cash Management Fund Nippon India Liquid Fund ICICI Prudential Liquid Fund SBI Liquid Fund Baroda Pioneer Liquid Fund LIC MF Liquid Fund Bandhan Cash Fund JM Liquid Fund IIFL Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹1,426 Cr). Top quartile AUM (₹37,358 Cr). Bottom quartile AUM (₹183 Cr). Lower mid AUM (₹10,214 Cr). Lower mid AUM (₹6,249 Cr). Upper mid AUM (₹24,570 Cr). Upper mid AUM (₹22,790 Cr). Bottom quartile AUM (₹557 Cr). Top quartile AUM (₹53,926 Cr). Upper mid AUM (₹21,344 Cr). Lower mid AUM (₹15,709 Cr). Bottom quartile AUM (₹1,086 Cr). Top quartile AUM (₹63,737 Cr). Top quartile AUM (₹32,765 Cr). Upper mid AUM (₹18,005 Cr). Upper mid AUM (₹27,702 Cr). Top quartile AUM (₹49,334 Cr). Highest AUM (₹67,174 Cr). Lower mid AUM (₹10,643 Cr). Lower mid AUM (₹11,543 Cr). Upper mid AUM (₹17,409 Cr). Bottom quartile AUM (₹2,851 Cr). Bottom quartile AUM (₹1,023 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (14+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (22+ yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (9+ yrs). Established history (25+ yrs). Established history (22+ yrs). Established history (16+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (18+ yrs). Established history (16+ yrs). Established history (23+ yrs). Established history (17+ yrs). Oldest track record among peers (28 yrs). Established history (12+ yrs). Established history (20+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Not Rated. Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (bottom quartile). Rating: 3★ (lower mid). Rating: 5★ (top quartile). Not Rated. Rating: 3★ (upper mid). 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: 6.54% (top quartile). 1Y return: 6.52% (top quartile). 1Y return: 6.52% (top quartile). 1Y return: 6.51% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.50% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.49% (upper mid). 1Y return: 6.48% (upper mid). 1Y return: 6.48% (lower mid). 1Y return: 6.47% (lower mid). 1Y return: 6.47% (lower mid). 1Y return: 6.46% (lower mid). 1Y return: 6.46% (lower mid). 1Y return: 6.45% (lower mid). 1Y return: 6.40% (bottom quartile). 1Y return: 6.40% (bottom quartile). 1Y return: 6.39% (bottom quartile). 1Y return: 6.39% (bottom quartile). 1Y return: 6.38% (bottom quartile). 1Y return: 6.27% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (top quartile). 1M return: 0.50% (top quartile). 1M return: 0.50% (top quartile). 1M return: 0.50% (top quartile). 1M return: 0.50% (upper mid). 1M return: 0.50% (upper mid). 1M return: 0.50% (upper mid). 1M return: 0.49% (lower mid). 1M return: 0.50% (upper mid). 1M return: 0.50% (top quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.50% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.49% (lower mid). 1M return: 0.50% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.50% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (lower mid). 1M return: 0.49% (bottom quartile). 1M return: 0.48% (bottom quartile). 1M return: 0.50% (upper mid). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.84 (top quartile). Sharpe: 3.40 (top quartile). Sharpe: 3.30 (top quartile). Sharpe: 3.62 (top quartile). Sharpe: 3.09 (upper mid). Sharpe: 3.07 (lower mid). Sharpe: 3.10 (upper mid). Sharpe: 3.19 (upper mid). Sharpe: 3.07 (upper mid). Sharpe: 3.34 (top quartile). Sharpe: 3.20 (upper mid). Sharpe: 3.71 (top quartile). Sharpe: 2.75 (lower mid). Sharpe: 2.82 (lower mid). Sharpe: 3.29 (upper mid). Sharpe: 2.90 (lower mid). Sharpe: 2.87 (lower mid). Sharpe: 2.50 (bottom quartile). Sharpe: 2.68 (bottom quartile). Sharpe: 2.66 (bottom quartile). Sharpe: 2.69 (lower mid). Sharpe: 2.52 (bottom quartile). Sharpe: 2.26 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.15 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.88 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.31 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -0.18 (lower mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: -0.54 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.32 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.96 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: -1.88 (bottom quartile). Information ratio: -2.81 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 5.94% (lower mid). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 5.88% (bottom quartile). Yield to maturity (debt): 5.92% (bottom quartile). Yield to maturity (debt): 5.86% (bottom quartile). Yield to maturity (debt): 6.00% (upper mid). Yield to maturity (debt): 6.04% (top quartile). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 6.06% (top quartile). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 5.94% (lower mid). Yield to maturity (debt): 6.06% (top quartile). Yield to maturity (debt): 6.04% (top quartile). Yield to maturity (debt): 5.95% (lower mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 6.03% (top quartile). Yield to maturity (debt): 5.97% (upper mid). Yield to maturity (debt): 5.99% (upper mid). Yield to maturity (debt): 5.96% (lower mid). Yield to maturity (debt): 5.93% (lower mid). Yield to maturity (debt): 5.93% (bottom quartile). Yield to maturity (debt): 5.91% (bottom quartile). Yield to maturity (debt): 5.93% (lower mid). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.08 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Indiabulls Liquid Fund
Edelweiss Liquid Fund
Canara Robeco Liquid
UTI Liquid Cash Plan
Tata Liquid Fund
PGIM India Insta Cash Fund
Aditya Birla Sun Life Liquid Fund
DSP Liquidity Fund
Invesco India Liquid Fund
Mahindra Liquid Fund
HDFC Liquid Fund
Kotak Liquid Fund
Mirae Asset Cash Management Fund
Nippon India Liquid Fund
ICICI Prudential Liquid Fund
SBI Liquid Fund
Baroda Pioneer Liquid Fund
LIC MF 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 (%) 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 BOI AXA Liquid Fund Growth ₹3,098.62
↑ 0.53 ₹1,426 0.5 1.5 2.9 6.5 6.6 5.94% 1M 20D 1M 20D Axis Liquid Fund Growth ₹2,995.35
↑ 0.52 ₹37,358 0.5 1.5 2.9 6.5 6.6 5.98% 1M 9D 1M 12D Indiabulls Liquid Fund Growth ₹2,601.43
↑ 0.44 ₹183 0.5 1.5 2.9 6.5 6.6 5.88% 1M 20D 1M 21D Edelweiss Liquid Fund Growth ₹3,440.53
↑ 0.63 ₹10,214 0.5 1.5 2.9 6.5 6.5 5.92% 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 5 Funds showcased
Commentary IDBI Liquid Fund BOI AXA Liquid Fund Axis Liquid Fund Indiabulls Liquid Fund Edelweiss Liquid Fund Point 1 Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹1,426 Cr). Highest AUM (₹37,358 Cr). Bottom quartile AUM (₹183 Cr). Upper mid AUM (₹10,214 Cr). Point 2 Established history (15+ yrs). Established history (17+ yrs). Established history (16+ yrs). Established history (14+ yrs). Oldest track record among peers (18 yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Top rated. Rating: 2★ (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: 6.54% (upper mid). 1Y return: 6.52% (lower mid). 1Y return: 6.52% (bottom quartile). 1Y return: 6.51% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.50% (bottom quartile). 1M return: 0.50% (lower mid). 1M return: 0.50% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.84 (top quartile). Sharpe: 3.40 (lower mid). Sharpe: 3.30 (bottom quartile). Sharpe: 3.62 (upper mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 1.15 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.88 (bottom quartile). Information ratio: 0.00 (lower mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 5.94% (lower mid). Yield to maturity (debt): 5.98% (upper mid). Yield to maturity (debt): 5.88% (bottom quartile). Yield to maturity (debt): 5.92% (bottom quartile). Point 10 Modified duration: 0.10 yrs (upper mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). IDBI Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
Indiabulls Liquid Fund
Edelweiss Liquid 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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