कमी जोखमीच्या गुंतवणूकदारांसाठी शीर्ष 4 म्युच्युअल फंड

Updated on August 1, 2026 , 4026 views

आपण जवळ येत असल्याससेवानिवृत्ती किंवा एक नवशिक्या आहेतम्युच्युअल फंड किंवा तुम्ही अशा गुंतवणुकीच्या शोधात असाल ज्यामुळे तुमचे जास्त नुकसान होणार नाही आणि त्याच वेळी तुमच्या निधीचे संरक्षण होणार नाही, तर आमच्याकडे काही पर्याय आहेत ज्यांचा तुम्हाला विचार करणे आवश्यक आहे. तद्वतच, कमी जोखीम असलेले गुंतवणूकदार असे आहेत ज्यांना त्यांचे पैसे गुंतवायचे आहेत, परंतु त्यांची गुंतवणूक जोखीम घेऊ इच्छित नाही. दुसऱ्या शब्दांत, त्यांना म्युच्युअल फंडात सुरक्षित गुंतवणूक करायची आहे.

कर्ज निधी, म्युच्युअल फंडाचा एक प्रकार, पुराणमतवादी गुंतवणूकदारांसाठी काही सर्वोत्तम कमी-जोखीम गुंतवणूक आहेत. जसे डेट फंड सरकारमध्ये गुंतवणूक करतातबंध, पैसेबाजार सिक्युरिटीज इ., त्यांच्या तुलनेत कमी धोका असतोइक्विटी. तसेच, या फंडांमध्ये कमी-जोखीम असल्याने, या फंडांचा मॅच्युरिटी कालावधी लहान असतो, काही दिवसांपासून ते एका वर्षात बदलतो. परंतु, हे फंड या अल्पकालीन परताव्यासाठी ओळखले जातात. जोखीम-प्रतिरोधक गुंतवणूकदार या फंडांमध्ये अल्प कालावधीसाठी गुंतवणूक करू शकतात आणि इष्टतम परतावा मिळवू शकतात.

कमी जोखीम गुंतवणूकदारांसाठी सर्वोत्तम कमी जोखीम म्युच्युअल फंड

रात्रभर निधी

ही एक कर्ज योजना आहे जी एका दिवसात परिपक्व होणाऱ्या बाँडमध्ये गुंतवणूक करेल. दुसऱ्या शब्दांत, गुंतवणूक एका दिवसाच्या मॅच्युरिटीसह रातोरात सिक्युरिटीजमध्ये केली जाते. जोखीम आणि परताव्याची चिंता न करता पैसे पार्क करू इच्छिणाऱ्या गुंतवणूकदारांसाठी हा एक सुरक्षित पर्याय आहे. काही रात्रभर योजना, मार्गाने क्रेडिट जोखीम मुक्त परतावा व्युत्पन्न करण्यासाठीउत्पन्न किंवा वाढ, केंद्र सरकारच्या रोखे, ट्रेझरी बिलांमध्ये गुंतवणूक,कॉल करा पैसे आणि रिपो. ज्या गुंतवणूकदारांना त्यांची अतिरिक्त रक्कम एका रात्रीसाठी गुंतवायची आहे त्यांच्यासाठी हा एक उत्तम पर्याय आहे. तथापि, ज्यांना त्यांचा निधी रातोरात रिडीम करायचा नाही, तो तो योजनेत राहू देऊ शकतो.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Overnight Fund Growth	₹3,709.63 ↑ 0.50	₹4,264	1.3	2.5	5.3	6.1	5.8	5.35%	2D	2D
SBI Overnight Fund Growth	₹4,396 ↑ 0.59	₹26,839	1.3	2.5	5.2	6	5.7	5.36%	1D	1D
HDFC Overnight Fund Growth	₹4,019.93 ↑ 0.53	₹9,991	1.3	2.5	5.2	6	5.7	5.37%	1D	1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹4,264 Cr).	Highest AUM (₹26,839 Cr).	Lower mid AUM (₹9,991 Cr).
Point 2	Established history (22+ yrs).	Established history (23+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 5.28% (upper mid).	1Y return: 5.23% (lower mid).	1Y return: 5.19% (bottom quartile).
Point 6	1M return: 0.43% (upper mid).	1M return: 0.43% (lower mid).	1M return: 0.43% (bottom quartile).
Point 7	Sharpe: -15.50 (upper mid).	Sharpe: -17.55 (lower mid).	Sharpe: -19.60 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.35% (bottom quartile).	Yield to maturity (debt): 5.36% (lower mid).	Yield to maturity (debt): 5.37% (upper mid).
Point 10	Modified duration: 0.01 yrs (bottom quartile).	Modified duration: 0.00 yrs (upper mid).	Modified duration: 0.00 yrs (lower mid).

UTI Overnight Fund

Bottom quartile AUM (₹4,264 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.28% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: -15.50 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.35% (bottom quartile).
Modified duration: 0.01 yrs (bottom quartile).

SBI Overnight Fund

Highest AUM (₹26,839 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.23% (lower mid).
1M return: 0.43% (lower mid).
Sharpe: -17.55 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.36% (lower mid).
Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

Lower mid AUM (₹9,991 Cr).
Oldest track record among peers (24 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.19% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: -19.60 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.37% (upper mid).
Modified duration: 0.00 yrs (lower mid).

लिक्विड फंड

लिक्विड फंड कमी परिपक्वता कालावधी असलेल्या सिक्युरिटीजमध्ये गुंतवणूक करा, सामान्यतः 91 दिवसांपेक्षा कमी. हे फंड प्रामुख्याने ट्रेझरी बिले, कमर्शियल पेपर्स, मुदत ठेव इत्यादींमध्ये गुंतवणूक करतात. लिक्विड फंड सहज प्रदान करताततरलता आणि इतर प्रकारच्या कर्ज साधनांपेक्षा कमीत कमी अस्थिर असतात. तसेच, पारंपारिक पेक्षा द्रव हा एक चांगला पर्याय आहेबँक बचत खाते. बँक खात्याच्या तुलनेत, लिक्विड फंड वार्षिक व्याजाच्या 7-8% देतात. साधारणपणे, कोणाच्याही बचत खात्यात निष्क्रिय रोकड असेल असा विचार केला असेलगुंतवणूक त्यातून अधिक पैसे कमवायचे कुठेतरी. ज्या गुंतवणूकदारांना जोखीममुक्त गुंतवणूक हवी आहे ते आदर्शपणे या फंडांमध्ये गुंतवणूक करण्यास प्राधान्य देऊ शकतात.

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
Axis Liquid Fund Growth	₹3,109.57 ↑ 0.69	₹44,866	0.5	1.7	3.4	6.4	6.6	6.64%	1M 5D	1M 5D
Edelweiss Liquid Fund Growth	₹3,570.92 ↑ 0.78	₹12,259	0.5	1.7	3.4	6.4	6.5	6.51%	1M 6D	1M 6D
Aditya Birla Sun Life Liquid Fund Growth	₹449.819 ↑ 0.10	₹63,687	0.5	1.7	3.3	6.3	6.5	6.49%	2M 5D	2M 5D
DSP Liquidity Fund Growth	₹3,985.87 ↑ 0.87	₹19,371	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	Aditya Birla Sun Life Liquid Fund	DSP Liquidity Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Upper mid AUM (₹44,866 Cr).	Bottom quartile AUM (₹12,259 Cr).	Highest AUM (₹63,687 Cr).	Lower mid AUM (₹19,371 Cr).
Point 2	Established history (16+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Oldest track record among peers (22 yrs).	Established history (20+ yrs).
Point 3	Rating: 3★ (lower mid).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 4★ (upper 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: 6.38% (upper mid).	1Y return: 6.38% (lower mid).	1Y return: 6.34% (bottom quartile).	1Y return: 6.35% (bottom quartile).
Point 6	1M return: 0.53% (top quartile).	1M return: 0.49% (upper mid).	1M return: 0.49% (lower mid).	1M return: 0.49% (bottom quartile).	1M return: 0.49% (bottom quartile).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 2.39 (top quartile).	Sharpe: 2.34 (lower mid).	Sharpe: 2.22 (bottom quartile).	Sharpe: 2.35 (upper mid).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 0.00 (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% (top quartile).	Yield to maturity (debt): 6.64% (upper mid).	Yield to maturity (debt): 6.51% (lower mid).	Yield to maturity (debt): 6.49% (bottom quartile).	Yield to maturity (debt): 6.45% (bottom quartile).
Point 10	Modified duration: 0.10 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.18 yrs (bottom quartile).

IDBI Liquid Fund

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

Axis Liquid Fund

Upper mid AUM (₹44,866 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.38% (upper mid).
1M return: 0.49% (upper mid).
Sharpe: 2.39 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.64% (upper mid).
Modified duration: 0.10 yrs (top quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹12,259 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.38% (lower mid).
1M return: 0.49% (lower mid).
Sharpe: 2.34 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 yrs (upper mid).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹63,687 Cr).
Oldest track record among peers (22 yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.22 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.49% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

DSP Liquidity Fund

Lower mid AUM (₹19,371 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.35 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.45% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

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अल्ट्रा शॉर्ट टर्म फंड

अल्प कालावधीचे फंड गुंतवणूक करतातनिश्चित उत्पन्न तीन ते सहा महिन्यांदरम्यान मॅकॉले कालावधी असलेली उपकरणे. अल्ट्रा शॉर्ट टर्म फंड गुंतवणूकदारांना व्याजदरातील जोखीम टाळण्यास मदत करतात आणि लिक्विड डेट फंडांच्या तुलनेत चांगले परतावा देखील देतात. हे फंड अल्प-मुदतीची गुंतवणूक आहेत जी गुंतवणूकदारांसाठी अत्यंत योग्य आहेत जे चांगले परतावा मिळविण्यासाठी गुंतवणुकीची जोखीम किरकोळ वाढविण्यास इच्छुक आहेत. सामान्यतः, दीर्घ मुदतीच्या साधनांसाठी कर्ज साधनावरील उत्पन्न जास्त असते. अशाप्रकारे, अल्ट्रा शॉर्ट म्युच्युअल फंडातील सिक्युरिटीज सहसा लिक्विड फंडांच्या तुलनेत जास्त उत्पन्न मिळवतात (जरी तुलनेने जास्त धोका असला तरीही). परिणामी, अल्ट्राअल्पकालीन निधी तुलनात्मक कालावधीत लिक्विड फंडांपेक्षा किरकोळ चांगला परतावा देऊ शकतो.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth	₹34.9131 ↑ 0.04	₹297	1.3	5.9	13.7	8.8		0%		1Y 15D
IDBI Ultra Short Term Fund Growth	₹2,424.68 ↑ 0.44	₹146	1.6	3.4	6.4	4.8		6.83%	2M 10D	2M 23D
Aditya Birla Sun Life Savings Fund Growth	₹587.285 ↑ 0.43	₹17,816	1.8	3.3	6.3	7.3	7.4	7.45%	5M 26D	6M 18D
ICICI Prudential Ultra Short Term Fund Growth	₹29.6298 ↑ 0.02	₹14,352	1.8	3.3	6.2	7	7.1	7.79%	5M 8D	6M 11D
Invesco India Ultra Short Term Fund Growth	₹2,879.03 ↑ 1.99	₹1,002	1.8	3.3	6.1	6.9	6.8	7.53%	5M 3D	5M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Ultra Short Bond Fund - Super Institutional Plan	IDBI Ultra Short Term Fund	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	Invesco India Ultra Short Term Fund
Point 1	Bottom quartile AUM (₹297 Cr).	Bottom quartile AUM (₹146 Cr).	Highest AUM (₹17,816 Cr).	Upper mid AUM (₹14,352 Cr).	Lower mid AUM (₹1,002 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Oldest track record among peers (23 yrs).	Established history (15+ yrs).	Established history (15+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.30% (lower mid).	1Y return: 6.24% (bottom quartile).	1Y return: 6.06% (bottom quartile).
Point 6	1M return: 0.59% (top quartile).	1M return: 0.52% (upper mid).	1M return: 0.44% (lower mid).	1M return: 0.41% (bottom quartile).	1M return: 0.39% (bottom quartile).
Point 7	Sharpe: 2.57 (top quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 0.91 (lower mid).	Sharpe: 0.92 (upper mid).	Sharpe: 0.68 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.83% (bottom quartile).	Yield to maturity (debt): 7.45% (lower mid).	Yield to maturity (debt): 7.79% (top quartile).	Yield to maturity (debt): 7.53% (upper mid).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.42 yrs (lower mid).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (top quartile).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

IDBI Ultra Short Term Fund

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

Aditya Birla Sun Life Savings Fund

Highest AUM (₹17,816 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.30% (lower mid).
1M return: 0.44% (lower mid).
Sharpe: 0.91 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.45% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹14,352 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.24% (bottom quartile).
1M return: 0.41% (bottom quartile).
Sharpe: 0.92 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 0.44 yrs (bottom quartile).

Invesco India Ultra Short Term Fund

Lower mid AUM (₹1,002 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 6.06% (bottom quartile).
1M return: 0.39% (bottom quartile).
Sharpe: 0.68 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.53% (upper mid).
Modified duration: 0.42 yrs (lower mid).

मनी मार्केट फंड

मनी मार्केट फंड अनेक बाजारपेठांमध्ये गुंतवणूक करतो जसे की व्यावसायिक/कोषागार बिले, व्यावसायिक कागदपत्रे,ठेव प्रमाणपत्र आणि भारतीय रिझर्व्ह बँक (RBI) द्वारे निर्दिष्ट केलेली इतर साधने. जोखीम-विरोधक गुंतवणूकदारांसाठी ही गुंतवणूक एक चांगला पर्याय आहे ज्यांना कमी कालावधीत चांगला परतावा मिळवायचा आहे. ही कर्ज योजना मनी मार्केट साधनांमध्ये गुंतवणूक करेल ज्याची मुदत एक वर्षापर्यंत आहे. ची कामगिरीमनी मार्केट फंड रिझर्व्ह बँक ऑफ इंडियाने ठरवलेल्या व्याजदरांशी जवळून जोडलेले आहेसेंट्रल बँक ऑफ इंडिया. म्हणून, जेव्हा RBI बाजारात दर वाढवते, तेव्हा उत्पन्न वाढते आणि मनी मार्केट फंड चांगला परतावा देण्यास सक्षम असतात.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth	₹396.44 ↑ 0.28	₹27,383	1.9	3.4	6.3	7.3	7.4	6.95%	6M 25D	6M 29D
Tata Money Market Fund Growth	₹5,059.35 ↑ 3.57	₹32,150	1.8	3.3	6.3	7.3	7.4	7.79%	7M 1D	7M 1D
Kotak Money Market Scheme Growth	₹4,811.17 ↑ 3.43	₹28,762	1.8	3.3	6.3	7.2	7.4	7.71%	7M 6D	7M 6D
UTI Money Market Fund Growth	₹3,305.43 ↑ 2.43	₹17,557	1.9	3.3	6.3	7.3	7.5	7.58%	6M 20D	6M 20D
Nippon India Money Market Fund Growth	₹4,446.17 ↑ 3.28	₹21,974	1.9	3.3	6.2	7.3	7.4	7.7%	6M 13D	7M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Money Manager Fund	Tata Money Market Fund	Kotak Money Market Scheme	UTI Money Market Fund	Nippon India Money Market Fund
Point 1	Lower mid AUM (₹27,383 Cr).	Highest AUM (₹32,150 Cr).	Upper mid AUM (₹28,762 Cr).	Bottom quartile AUM (₹17,557 Cr).	Bottom quartile AUM (₹21,974 Cr).
Point 2	Established history (20+ yrs).	Oldest track record among peers (23 yrs).	Established history (23+ yrs).	Established history (17+ yrs).	Established history (21+ yrs).
Point 3	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (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: 6.26% (lower mid).	1Y return: 6.26% (upper mid).	1Y return: 6.26% (bottom quartile).	1Y return: 6.30% (top quartile).	1Y return: 6.22% (bottom quartile).
Point 6	1M return: 0.43% (lower mid).	1M return: 0.44% (upper mid).	1M return: 0.42% (bottom quartile).	1M return: 0.44% (top quartile).	1M return: 0.42% (bottom quartile).
Point 7	Sharpe: 0.69 (bottom quartile).	Sharpe: 0.82 (top quartile).	Sharpe: 0.75 (lower mid).	Sharpe: 0.81 (upper mid).	Sharpe: 0.71 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.95% (bottom quartile).	Yield to maturity (debt): 7.79% (top quartile).	Yield to maturity (debt): 7.71% (upper mid).	Yield to maturity (debt): 7.58% (bottom quartile).	Yield to maturity (debt): 7.70% (lower mid).
Point 10	Modified duration: 0.57 yrs (lower mid).	Modified duration: 0.59 yrs (bottom quartile).	Modified duration: 0.60 yrs (bottom quartile).	Modified duration: 0.56 yrs (upper mid).	Modified duration: 0.54 yrs (top quartile).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹27,383 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.26% (lower mid).
1M return: 0.43% (lower mid).
Sharpe: 0.69 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (bottom quartile).
Modified duration: 0.57 yrs (lower mid).

Tata Money Market Fund

Highest AUM (₹32,150 Cr).
Oldest track record among peers (23 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.26% (upper mid).
1M return: 0.44% (upper mid).
Sharpe: 0.82 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 0.59 yrs (bottom quartile).

Kotak Money Market Scheme

Upper mid AUM (₹28,762 Cr).
Established history (23+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 0.75 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.71% (upper mid).
Modified duration: 0.60 yrs (bottom quartile).

UTI Money Market Fund

Bottom quartile AUM (₹17,557 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.30% (top quartile).
1M return: 0.44% (top quartile).
Sharpe: 0.81 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.58% (bottom quartile).
Modified duration: 0.56 yrs (upper mid).

Nippon India Money Market Fund

Bottom quartile AUM (₹21,974 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.22% (bottom quartile).
1M return: 0.42% (bottom quartile).
Sharpe: 0.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.70% (lower mid).
Modified duration: 0.54 yrs (top quartile).

*वरील सर्वोत्कृष्टांची यादी आहेकमी धोका निधीमध्ये वरील एयूएम/निव्वळ मालमत्ता आहेत100 कोटी. वर क्रमवारी लावलीमागील 6 महिन्यांचा परतावा.

1. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Research Highlights for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (top quartile).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 1.04 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth
Launch Date	18 Dec 07
NAV (07 Aug 22)	₹34.9131 ↑ 0.04 (0.11 %)
Net Assets (Cr)	₹297 on 31 Jul 22
Category	Debt - Ultrashort Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆
Risk	Moderate
Expense Ratio	0.52
Sharpe Ratio	2.57
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity	1 Year 15 Days
Modified Duration

Growth of 10,000 investment over the years.

Date	Value

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	5.9%
1 Year	13.7%
3 Year	8.8%
5 Year	8.7%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Name	Since	Tenure

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Jul 22

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹27,383 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: 0.69 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.95% (top quartile).
Modified duration: 0.57 yrs (bottom quartile).
Average maturity: 0.58 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~66%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~4.8%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (03 Aug 26)	₹396.44 ↑ 0.28 (0.07 %)
Net Assets (Cr)	₹27,383 on 30 Jun 26
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	0.69
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,381
31 Jul 23	₹11,117
31 Jul 24	₹11,961
31 Jul 25	₹12,918
31 Jul 26	₹13,720

Aditya Birla Sun Life Money Manager 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 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 7 Aug 22

Duration	Returns
1 Month	0.4%
3 Month	1.9%
6 Month	3.4%
1 Year	6.3%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Anuj Jain	22 Mar 21	5.36 Yr.
Mohit Sharma	1 Apr 17	9.34 Yr.

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

Asset Allocation

Asset Class	Value
Cash	65.54%
Debt	34.46%

Debt Sector Allocation

Sector	Value
Corporate	55.48%
Cash Equivalent	32.51%
Government	12.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	5%	₹1,393 Cr	29,000
Indusind Bank Ltd. Debentures \| -	4%	₹1,112 Cr	22,900
Axis Bank Ltd. Debentures \| -	3%	₹922 Cr	19,000
Federal Bank Ltd. Debentures \| -	3%	₹911 Cr	19,000
Gujarat State Development Loans Sovereign Bonds \| -	3%	₹797 Cr	79,327,600
Karur Vysya Bank Ltd. Debentures \| -	2%	₹479 Cr	10,000
Tbill Sovereign Bonds \| -	1%	₹396 Cr	40,000,000
Indian Bank Domestic Bonds \| -	1%	₹392 Cr	8,000 ↑ 8,000
7.49% Gujarat Sgs 2026 Sovereign Bonds \| -	1%	₹326 Cr	32,500,000
7.43% Gujarat Sgs 2027 Sovereign Bonds \| -	1%	₹247 Cr	24,500,000

3. IDBI Liquid Fund

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

Research Highlights for IDBI Liquid Fund

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

Below is the key information for IDBI Liquid Fund

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

Growth of 10,000 investment over the years.

Date	Value

IDBI Liquid Fund SIP Returns

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

Returns for IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.6%
3 Year	4.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Liquid Fund

Highest AUM (₹44,866 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (bottom quartile).
1M return: 0.49% (bottom quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.64% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd (~6.8%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (03 Aug 26)	₹3,109.57 ↑ 0.69 (0.02 %)
Net Assets (Cr)	₹44,866 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.64%
Effective Maturity	1 Month 5 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,372
31 Jul 23	₹11,063
31 Jul 24	₹11,875
31 Jul 25	₹12,718
31 Jul 26	₹13,528

Axis Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis 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 7 Aug 22

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.74 Yr.
Aditya Pagaria	13 Aug 16	9.97 Yr.
Sachin Jain	3 Jul 23	3.08 Yr.

Data below for Axis Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	96.3%
Debt	3.47%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.52%
Government	11.88%
Corporate	4.38%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	7%	₹3,795 Cr
India (Republic of) - \| -	5%	₹2,973 Cr	300,000,000
Canara Bank Domestic Bonds \| -	3%	₹1,959 Cr	39,500
Export-Import Bank Of India Commercial Paper \| -	3%	₹1,760 Cr	35,500
HDFC Bank Ltd. Debentures \| -	3%	₹1,590 Cr	32,000 ↑ 20,000
India (Republic of) - \| -	3%	₹1,456 Cr	147,500,000 ↑ 147,500,000
HDFC Bank Ltd. Debentures \| -	2%	₹1,211 Cr	24,500
Indian Bank Domestic Bonds \| -	2%	₹1,189 Cr	24,000
Hindustan Petroleum Corp Ltd. Domestic Bonds \| -	2%	₹1,184 Cr	24,000 ↑ 24,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,163 Cr	23,500

5. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

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

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value

IDBI Ultra Short Term Fund SIP Returns

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

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.4%
1 Year	6.4%
3 Year	4.8%
5 Year	5.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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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.