ਆਮ ਸ਼ਬਦਾਂ ਵਿੱਚ,ਵਧੀਆ ਤਰਲ ਫੰਡ (ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ) ਕਰਜ਼ ਹਨਮਿਉਚੁਅਲ ਫੰਡ ਜਾਂ ਇਸ ਦੀ ਬਜਾਏ ਪੈਸਾਬਜ਼ਾਰ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ ਵਿੱਚ ਸਿਰਫ ਅੰਤਰ ਹੈ। ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਬਹੁਤ ਘੱਟ ਮਨੀ ਮਾਰਕੀਟ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜਿਵੇਂ ਕਿਡਿਪਾਜ਼ਿਟ ਦਾ ਸਰਟੀਫਿਕੇਟ, ਖਜ਼ਾਨਾ ਬਿੱਲ, ਵਪਾਰਕ ਕਾਗਜ਼ਾਤ ਆਦਿ।
ਇਹਨਾਂ ਫੰਡਾਂ ਦੀ ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ ਬਹੁਤ ਛੋਟੀ ਹੈ, ਆਮ ਤੌਰ 'ਤੇ ਕੁਝ ਦਿਨਾਂ ਤੋਂ ਕੁਝ ਹਫ਼ਤਿਆਂ ਤੱਕ (ਇਹ ਇੱਕ ਦਿਨ ਵੀ ਹੋ ਸਕਦਾ ਹੈ!) ਦੀ ਔਸਤ ਬਕਾਇਆ ਪਰਿਪੱਕਤਾਤਰਲ ਫੰਡ 91 ਦਿਨਾਂ ਤੋਂ ਘੱਟ ਹੈ ਕਿਉਂਕਿ ਉਹ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜਿਨ੍ਹਾਂ ਦੀ ਵਿਅਕਤੀਗਤ ਤੌਰ 'ਤੇ 91 ਦਿਨਾਂ ਤੱਕ ਮਿਆਦ ਪੂਰੀ ਹੁੰਦੀ ਹੈ।
ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਹੋਣਾਕਰਜ਼ਾ ਫੰਡ, ਇਹ ਫੰਡ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਘੱਟ-ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਾਂ ਦੀ ਤਲਾਸ਼ ਕਰਨ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਬਹੁਤ ਢੁਕਵੇਂ ਹਨ। ਵਧੀਆ ਤਰਲ ਫੰਡਾਂ ਦੀ ਘੱਟ ਪਰਿਪੱਕਤਾ ਦੀ ਮਿਆਦ ਫੰਡ ਪ੍ਰਬੰਧਕਾਂ ਨੂੰ ਪੂਰਾ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦੀ ਹੈਛੁਟਕਾਰਾ ਨਿਵੇਸ਼ਕਾਂ ਦੀ ਮੰਗ ਆਸਾਨੀ ਨਾਲ. ਬਜ਼ਾਰ ਵਿੱਚ, ਕਈ ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਨਿਵੇਸ਼ ਉਪਲਬਧ ਹਨ।
ਮਨੀ ਮਾਰਕੀਟ ਵਿੱਚ ਪ੍ਰਤੀਭੂਤੀਆਂ ਮੁਕਾਬਲਤਨ ਘੱਟ ਜੋਖਮ ਵਾਲੀਆਂ ਹੁੰਦੀਆਂ ਹਨ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਨੂੰ ਸਾਰੇ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ਾਂ ਲਈ ਸੁਰੱਖਿਅਤ ਅਤੇ ਸੁਰੱਖਿਅਤ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦੇ ਹੋਏ, ਮਨੀ ਮਾਰਕੀਟ ਖਾਤੇ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਆਸਾਨ ਹੈ।ਨਿਵੇਸ਼ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਰਾਹੀਂ ਨਿਵੇਸ਼ਕ ਆਪਣੀ ਸਹੂਲਤ ਅਨੁਸਾਰ ਇੱਕ ਖਾਤਾ ਖੋਲ੍ਹ ਸਕਦੇ ਹਨ, ਜਮ੍ਹਾਂ ਕਰ ਸਕਦੇ ਹਨ ਅਤੇ ਨਿਕਾਸੀ ਕਰ ਸਕਦੇ ਹਨ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਨੂੰ ਸਾਰੇ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ਾਂ ਵਿੱਚੋਂ ਸਭ ਤੋਂ ਘੱਟ ਅਸਥਿਰ ਕਿਸਮਾਂ ਵਿੱਚੋਂ ਇੱਕ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਰਿਜ਼ਰਵ ਦੁਆਰਾ ਨਿਰਧਾਰਤ ਵਿਆਜ ਦਰਾਂ ਨਾਲ ਨੇੜਿਓਂ ਜੁੜੀ ਹੋਈ ਹੈਬੈਂਕ ਭਾਰਤ ਦੇ, ਦਸੈਂਟਰਲ ਬੈਂਕ ਆਫ ਇੰਡੀਆ. ਇਸ ਲਈ, ਜਦੋਂ ਆਰਬੀਆਈ ਮਾਰਕੀਟ ਵਿੱਚ ਦਰਾਂ ਵਧਾਉਂਦਾ ਹੈ, ਪੈਦਾਵਾਰ ਵਧਦੀ ਹੈ, ਅਤੇ ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਵਧੀਆ ਰਿਟਰਨ ਦੇਣ ਦੇ ਯੋਗ ਹੁੰਦੇ ਹਨ।
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ਇੱਕ ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਦੇ ਉਦੇਸ਼ ਨਾਲ ਮਨੀ ਮਾਰਕੀਟ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈਭੇਟਾ ਚੰਗਾ ਰਿਟਰਨ (ਵਿਆਜਆਮਦਨ) ਅਤੇ ਰੱਖਣਾਨਹੀ ਹਨ ਘੱਟ ਤੋਂ ਘੱਟ ਉਤਰਾਅ-ਚੜ੍ਹਾਅ
ਮਨੀ ਮਾਰਕੀਟ ਇੱਕ ਵਟਾਂਦਰਾ ਹੈ ਜਿੱਥੇ ਨਕਦ ਅਤੇ ਨਕਦ-ਬਰਾਬਰ ਯੰਤਰਾਂ ਦਾ ਵਪਾਰ ਹੁੰਦਾ ਹੈ। ਮੁਦਰਾ ਬਾਜ਼ਾਰਾਂ ਵਿੱਚ ਵਪਾਰ ਕੀਤੇ ਜਾਣ ਵਾਲੇ ਯੰਤਰਾਂ ਵਿੱਚ ਪਰਿਪੱਕਤਾ ਹੁੰਦੀ ਹੈ ਜੋ ਰਾਤੋ-ਰਾਤ ਤੋਂ ਇੱਕ ਸਾਲ ਤੱਕ ਬਦਲ ਸਕਦੀ ਹੈ। ਇੱਥੇ ਭਾਰਤ ਵਿੱਚ ਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਦੇ ਕੁਝ ਪ੍ਰਮੁੱਖ ਸਾਧਨ ਹਨ:
ਭਾਰਤ ਸਰਕਾਰ 365 ਦਿਨਾਂ ਤੱਕ ਦੀ ਮਿਆਦ ਲਈ ਫੰਡ ਇਕੱਠਾ ਕਰਨ ਲਈ ਖਜ਼ਾਨਾ ਬਿੱਲ ਜਾਰੀ ਕਰਦੀ ਹੈ। ਕਿਉਂਕਿ ਇਹ ਸਰਕਾਰ ਦੁਆਰਾ ਜਾਰੀ ਕੀਤੇ ਜਾਂਦੇ ਹਨ, ਇਹਨਾਂ ਨੂੰ ਬਹੁਤ ਸੁਰੱਖਿਅਤ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ। ਹਾਲਾਂਕਿ, ਘੱਟ ਜੋਖਮ ਘੱਟ ਰਿਟਰਨ ਵਿੱਚ ਵੀ ਅਨੁਵਾਦ ਕਰਦੇ ਹਨ ਜੋ ਕਿ ਖਜ਼ਾਨਾ ਬਿੱਲਾਂ ਦੇ ਨਾਲ ਵੀ ਹੁੰਦਾ ਹੈ। ਟੀ-ਬਿੱਲਾਂ 'ਤੇ ਰਿਟਰਨ ਮਨੀ ਮਾਰਕੀਟ ਦੇ ਹੋਰ ਸਾਧਨਾਂ ਨਾਲੋਂ ਘੱਟ ਹੈ।
ਇੱਕ ਸੀਡੀ ਇੱਕ ਮਿਆਦੀ ਡਿਪਾਜ਼ਿਟ ਹੈ ਜੋ ਅਨੁਸੂਚਿਤ ਵਪਾਰਕ ਬੈਂਕਾਂ ਦੁਆਰਾ ਪੇਸ਼ ਕੀਤੀ ਜਾਂਦੀ ਹੈ ਜਿਸ ਵਿੱਚ ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਰਿਡੈਂਪਸ਼ਨ ਦਾ ਵਿਕਲਪ ਨਹੀਂ ਹੁੰਦਾ ਹੈ। ਇੱਕ CD ਅਤੇ ਵਿਚਕਾਰ ਪ੍ਰਾਇਮਰੀ ਅੰਤਰਐੱਫ.ਡੀ ਇਹ ਹੈ ਕਿ ਸੀਡੀਜ਼ ਸੁਤੰਤਰ ਤੌਰ 'ਤੇ ਗੱਲਬਾਤ ਕਰਨ ਯੋਗ ਹਨ।
ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ਿਆਂ ਦੀ ਸਹੂਲਤ ਲਈ ਇੱਕ ਬੈਂਕ ਅਤੇ RBI ਵਿਚਕਾਰ ਮੁੜ ਖਰੀਦ ਸਮਝੌਤਾ ਕੀਤਾ ਜਾਂਦਾ ਹੈ। ਇਹ ਦੋ ਬੈਂਕਾਂ ਵਿਚਕਾਰ ਵੀ ਬਣਾਇਆ ਜਾ ਸਕਦਾ ਹੈ।
ਉੱਚ ਕ੍ਰੈਡਿਟ ਰੇਟਿੰਗ ਵਾਲੀਆਂ ਕੰਪਨੀਆਂ ਅਤੇ ਵਿੱਤੀ ਸੰਸਥਾਵਾਂ ਏਵਪਾਰਕ ਪੇਪਰ ਜੋ ਕਿ ਇੱਕ ਛੋਟੀ ਮਿਆਦ ਦਾ, ਅਸੁਰੱਖਿਅਤ ਵਾਅਦਾ ਨੋਟ ਹੈ। ਇਹ ਅਜਿਹੀਆਂ ਸੰਸਥਾਵਾਂ ਨੂੰ ਆਪਣੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਉਧਾਰ ਸਰੋਤਾਂ ਵਿੱਚ ਵਿਭਿੰਨਤਾ ਲਿਆਉਣ ਦੀ ਆਗਿਆ ਦਿੰਦਾ ਹੈ। CPs ਆਮ ਤੌਰ 'ਤੇ ਛੂਟ ਵਾਲੀ ਦਰ 'ਤੇ ਜਾਰੀ ਕੀਤੇ ਜਾਂਦੇ ਹਨ ਜਦੋਂ ਰਿਡੈਂਪਸ਼ਨ ਚਾਲੂ ਹੁੰਦਾ ਹੈਅੰਕਿਤ ਮੁੱਲ. ਦਨਿਵੇਸ਼ਕ ਫਰਕ ਕਮਾਉਂਦਾ ਹੈ।
To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. Below is the key information for UTI Money Market Fund Returns up to 1 year are on (Erstwhile Franklin India Savings Plus Fund Retail Option) Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Research Highlights for Franklin India Savings Fund Below is the key information for Franklin India Savings Fund Returns up to 1 year are on (Erstwhile Reliance Liquidity Fund) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Research Highlights for Nippon India Money Market Fund Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities. Research Highlights for ICICI Prudential Money Market Fund Below is the key information for ICICI Prudential Money Market Fund Returns up to 1 year are on (Erstwhile Tata Liquid Fund) To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Research Highlights for Tata Money Market Fund Below is the key information for Tata Money Market Fund Returns up to 1 year are on (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 Below is the key information for Aditya Birla Sun Life Money Manager Fund Returns up to 1 year are on (Erstwhile Kotak Floater Short Term Fund) To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives. Research Highlights for Kotak Money Market Scheme Below is the key information for Kotak Money Market Scheme Returns up to 1 year are on (Erstwhile HDFC Cash Management Fund - Savings Plan) To generate optimal returns while maintaining safety and
high liquidity. Research Highlights for HDFC Money Market Fund Below is the key information for HDFC Money Market Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Money Market Fund Growth ₹3,124.29
↑ 0.32 ₹20,554 0.5 1.6 4.1 7.9 7.7 6.16% 6M 20D 6M 20D Franklin India Savings Fund Growth ₹50.821
↑ 0.01 ₹4,080 0.5 1.6 4.2 7.9 7.7 6.08% 5M 26D 6M 7D Nippon India Money Market Fund Growth ₹4,205.36
↑ 0.52 ₹22,461 0.5 1.6 4.2 7.9 7.8 6.22% 6M 10D 6M 22D ICICI Prudential Money Market Fund Growth ₹384.466
↑ 0.05 ₹36,942 0.5 1.6 4.2 7.9 7.7 6.1% 5M 24D 6M 6D Tata Money Market Fund Growth ₹4,783.65
↑ 0.68 ₹41,235 0.5 1.6 4.1 7.9 7.7 6.16% 6M 7D 6M 7D Aditya Birla Sun Life Money Manager Fund Growth ₹374.862
↑ 0.05 ₹29,515 0.5 1.6 4.1 7.9 7.8 6.17% 5M 19D 5M 19D Kotak Money Market Scheme Growth ₹4,548.96
↑ 0.55 ₹35,215 0.5 1.6 4.1 7.8 7.7 6.14% 6M 11D 6M 11D HDFC Money Market Fund Growth ₹5,790.1
↑ 0.73 ₹36,814 0.5 1.6 4.1 7.8 7.7 6.19% 6M 7D 6M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25 Research Highlights & Commentary of 8 Funds showcased
Commentary UTI Money Market Fund Franklin India Savings Fund Nippon India Money Market Fund ICICI Prudential Money Market Fund Tata Money Market Fund Aditya Birla Sun Life Money Manager Fund Kotak Money Market Scheme HDFC Money Market Fund Point 1 Bottom quartile AUM (₹20,554 Cr). Bottom quartile AUM (₹4,080 Cr). Lower mid AUM (₹22,461 Cr). Top quartile AUM (₹36,942 Cr). Highest AUM (₹41,235 Cr). Lower mid AUM (₹29,515 Cr). Upper mid AUM (₹35,215 Cr). Upper mid AUM (₹36,814 Cr). Point 2 Established history (16+ yrs). Established history (23+ yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (22+ yrs). Established history (19+ yrs). Established history (22+ yrs). Oldest track record among peers (25 yrs). Point 3 Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 7.92% (top quartile). 1Y return: 7.90% (top quartile). 1Y return: 7.89% (upper mid). 1Y return: 7.89% (upper mid). 1Y return: 7.85% (lower mid). 1Y return: 7.85% (lower mid). 1Y return: 7.83% (bottom quartile). 1Y return: 7.82% (bottom quartile). Point 6 1M return: 0.47% (top quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.47% (upper mid). 1M return: 0.47% (lower mid). 1M return: 0.47% (upper mid). 1M return: 0.48% (top quartile). 1M return: 0.47% (lower mid). 1M return: 0.46% (bottom quartile). Point 7 Sharpe: 3.26 (top quartile). Sharpe: 3.04 (bottom quartile). Sharpe: 3.11 (upper mid). Sharpe: 3.08 (lower mid). Sharpe: 3.10 (upper mid). Sharpe: 3.35 (top quartile). Sharpe: 3.07 (lower mid). Sharpe: 3.01 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower 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): 6.16% (upper mid). Yield to maturity (debt): 6.08% (bottom quartile). Yield to maturity (debt): 6.22% (top quartile). Yield to maturity (debt): 6.10% (bottom quartile). Yield to maturity (debt): 6.16% (lower mid). Yield to maturity (debt): 6.17% (upper mid). Yield to maturity (debt): 6.14% (lower mid). Yield to maturity (debt): 6.19% (top quartile). Point 10 Modified duration: 0.56 yrs (bottom quartile). Modified duration: 0.49 yrs (upper mid). Modified duration: 0.53 yrs (lower mid). Modified duration: 0.48 yrs (top quartile). Modified duration: 0.52 yrs (upper mid). Modified duration: 0.47 yrs (top quartile). Modified duration: 0.53 yrs (bottom quartile). Modified duration: 0.52 yrs (lower mid). UTI Money Market Fund
Franklin India Savings Fund
Nippon India Money Market Fund
ICICI Prudential Money Market Fund
Tata Money Market Fund
Aditya Birla Sun Life Money Manager Fund
Kotak Money Market Scheme
HDFC Money Market Fund
1. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (03 Sep 25) ₹3,124.29 ↑ 0.32 (0.01 %) Net Assets (Cr) ₹20,554 on 31 Jul 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.26 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.16% Effective Maturity 6 Months 20 Days Modified Duration 6 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,395 31 Aug 22 ₹10,811 31 Aug 23 ₹11,584 31 Aug 24 ₹12,460 31 Aug 25 ₹13,450 Returns for UTI Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.1% 1 Year 7.9% 3 Year 7.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.75 Yr. Amit Sharma 7 Jul 17 8.16 Yr. Data below for UTI Money Market Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 84.8% Debt 14.95% Other 0.25% Debt Sector Allocation
Sector Value Corporate 52.23% Cash Equivalent 24.59% Government 22.93% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹485 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹484 Cr 5,000,000,000 182 Days Tbill Red 28-05-2026
Sovereign Bonds | -2% ₹466 Cr 4,750,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹242 Cr 2,500,000,000 Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -1% ₹222 Cr 2,255,700,000 364 DTB 12022026
Sovereign Bonds | -1% ₹195 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹194 Cr 2,000,000,000 07.00 RJ Sdl 2025
Sovereign Bonds | -1% ₹150 Cr 1,500,000,000 HDFC Bank Ltd.
Debentures | -1% ₹145 Cr 1,500,000,000 Equitas Small Finance Bank Ltd.
Debentures | -1% ₹144 Cr 1,500,000,000 2. Franklin India Savings Fund
Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (03 Sep 25) ₹50.821 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹4,080 on 31 Jul 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.3 Sharpe Ratio 3.04 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.08% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,370 31 Aug 22 ₹10,744 31 Aug 23 ₹11,483 31 Aug 24 ₹12,338 31 Aug 25 ₹13,315 Returns for Franklin India Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.2% 1 Year 7.9% 3 Year 7.4% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.3% 2022 4.4% 2021 3.6% 2020 6% 2019 8.5% 2018 7.5% 2017 7.2% 2016 8.1% 2015 8.3% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.91 Yr. Rohan Maru 10 Oct 24 0.89 Yr. Chandni Gupta 30 Apr 24 1.34 Yr. Data below for Franklin India Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 88.09% Debt 11.67% Other 0.23% Debt Sector Allocation
Sector Value Corporate 41.85% Cash Equivalent 32.94% Government 24.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹218 Cr 22,500,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹72 Cr 1,500 91 Days Tbill (Md 28/08/2025)
Sovereign Bonds | -2% ₹70 Cr 7,000,000
↑ 7,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹48 Cr 5,000,000 Indian Bank
Domestic Bonds | -1% ₹48 Cr 1,000 HDFC Bank Ltd.
Debentures | -1% ₹48 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹30 Cr 2,860,000 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹9 Cr 8,236 364 DTB 22012026
Sovereign Bonds | -0% ₹3 Cr 316,500 Export-Import Bank Of India
Certificate of Deposit | -7% ₹266 Cr 5,500 3. Nippon India Money Market Fund
Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (03 Sep 25) ₹4,205.36 ↑ 0.52 (0.01 %) Net Assets (Cr) ₹22,461 on 31 Jul 25 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 3.11 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.22% Effective Maturity 6 Months 22 Days Modified Duration 6 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,400 31 Aug 22 ₹10,827 31 Aug 23 ₹11,593 31 Aug 24 ₹12,471 31 Aug 25 ₹13,458 Returns for Nippon India Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.2% 1 Year 7.9% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.4% 2022 5% 2021 3.8% 2020 6% 2019 8.1% 2018 7.9% 2017 6.6% 2016 7.6% 2015 8.3% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 7.13 Yr. Vikash Agarwal 14 Sep 24 0.96 Yr. Data below for Nippon India Money Market Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 84.06% Debt 15.69% Other 0.25% Debt Sector Allocation
Sector Value Corporate 45.88% Cash Equivalent 33.88% Government 19.99% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 27022026
Sovereign Bonds | -1% ₹243 Cr 25,000,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -1% ₹243 Cr 25,000,000 07.36 UK Gs 2033
Sovereign Bonds | -1% ₹230 Cr 22,783,400 Indian Bank
Domestic Bonds | -1% ₹217 Cr 4,500 Axis Bank Ltd.
Debentures | -1% ₹188 Cr 4,000
↑ 4,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹170 Cr 17,500,000 0% Goi - 16dec25 Strips
Sovereign Bonds | -1% ₹159 Cr 16,169,400 AU Small Finance Bank Ltd.
Debentures | -1% ₹143 Cr 3,000 08.36 MH Sdl 2026
Sovereign Bonds | -1% ₹137 Cr 13,500,000 08.69 Tn SDL 2026
Sovereign Bonds | -1% ₹127 Cr 12,500,000 4. ICICI Prudential Money Market Fund
ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (03 Sep 25) ₹384.466 ↑ 0.05 (0.01 %) Net Assets (Cr) ₹36,942 on 31 Jul 25 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 3.08 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.1% Effective Maturity 6 Months 6 Days Modified Duration 5 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,389 31 Aug 22 ₹10,787 31 Aug 23 ₹11,551 31 Aug 24 ₹12,422 31 Aug 25 ₹13,404 Returns for ICICI Prudential Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.2% 1 Year 7.9% 3 Year 7.5% 5 Year 6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.7% 2021 3.7% 2020 6.2% 2019 7.9% 2018 7.7% 2017 6.7% 2016 7.7% 2015 8.3% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Manish Banthia 12 Jun 23 2.22 Yr. Nikhil Kabra 3 Aug 16 9.08 Yr. Data below for ICICI Prudential Money Market Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 89.86% Debt 9.93% Other 0.22% Debt Sector Allocation
Sector Value Corporate 41.37% Cash Equivalent 37.62% Government 20.79% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -4% ₹1,614 Cr 166,500,000
↓ -26,000,000 India (Republic of)
- | -1% ₹494 Cr 50,000,000
↑ 50,000,000 91 Days Tbill Red 30-10-2025
Sovereign Bonds | -1% ₹490 Cr 49,500,000
↓ -500,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -1% ₹388 Cr 40,000,000
↓ -2,500,000 Indian Bank
Domestic Bonds | -1% ₹241 Cr 5,000 HDFC Bank Ltd.
Debentures | -1% ₹193 Cr 4,000 08.22 Tn SDL 2025dec
Sovereign Bonds | -0% ₹146 Cr 14,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -0% ₹145 Cr 3,000 08.20 GJ Sdl 2025dec
Sovereign Bonds | -0% ₹141 Cr 14,000,000 08.59 KA Sdl 2025
Sovereign Bonds | -0% ₹141 Cr 14,000,000 5. Tata Money Market Fund
Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (03 Sep 25) ₹4,783.65 ↑ 0.68 (0.01 %) Net Assets (Cr) ₹41,235 on 31 Jul 25 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.44 Sharpe Ratio 3.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.16% Effective Maturity 6 Months 7 Days Modified Duration 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,420 31 Aug 22 ₹10,826 31 Aug 23 ₹11,591 31 Aug 24 ₹12,469 31 Aug 25 ₹13,450 Returns for Tata Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.1% 1 Year 7.9% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.8% 2021 3.9% 2020 6.4% 2019 8.1% 2018 -0.1% 2017 6.7% 2016 7.6% 2015 8.3% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 11.88 Yr. Data below for Tata Money Market Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 80.58% Debt 19.2% Other 0.22% Debt Sector Allocation
Sector Value Corporate 44.04% Cash Equivalent 32.21% Government 23.52% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.63% Govt Stock 2026
Sovereign Bonds | -4% ₹1,465 Cr 146,500,000
↑ 2,000,000 182 Days Tbill Red 28-05-2026
Sovereign Bonds | -2% ₹956 Cr 97,500,000
↓ -2,500,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹852 Cr 88,000,000
↓ -2,500,000 91 Days Tbill Red 30-10-2025
Sovereign Bonds | -2% ₹672 Cr 68,000,000
↓ -7,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹487 Cr 10,000 364 DTB 27022026
Sovereign Bonds | -1% ₹461 Cr 47,500,000 India (Republic of)
- | -1% ₹440 Cr 45,000,000
↓ -25,000,000 08.30 RJ Sdl 2026
Sovereign Bonds | -1% ₹429 Cr 42,500,000 India (Republic of)
- | -1% ₹393 Cr 40,000,000 Bank of Baroda
Debentures | -1% ₹388 Cr 8,000
↑ 8,000 6. Aditya Birla Sun Life Money Manager Fund
Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (03 Sep 25) ₹374.862 ↑ 0.05 (0.01 %) Net Assets (Cr) ₹29,515 on 31 Jul 25 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.35 Sharpe Ratio 3.35 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.17% Effective Maturity 5 Months 19 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,410 31 Aug 22 ₹10,822 31 Aug 23 ₹11,594 31 Aug 24 ₹12,475 31 Aug 25 ₹13,457 Returns for Aditya Birla Sun Life Money Manager Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.1% 1 Year 7.9% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.4% Fund Manager information for Aditya Birla Sun Life Money Manager Fund
Name Since Tenure Kaustubh Gupta 15 Jul 11 14.14 Yr. Anuj Jain 22 Mar 21 4.45 Yr. Mohit Sharma 1 Apr 17 8.42 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 90.48% Debt 9.27% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 43.91% Corporate 41.88% Government 13.96% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.15% Govt Stock 2025
Sovereign Bonds | -2% ₹724 Cr 72,500,000
↓ -2,500,000 182 DTB 29082025
Sovereign Bonds | -2% ₹504 Cr 50,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹338 Cr 7,000 5.63% Govt Stock 2026
Sovereign Bonds | -1% ₹315 Cr 31,500,000 182 Days Tbill
Sovereign Bonds | -1% ₹299 Cr 30,000,000 India (Republic of)
- | -1% ₹245 Cr 25,000,000 7.59% Govt Stock 2026
Sovereign Bonds | -1% ₹242 Cr 24,000,000 Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -1% ₹187 Cr 19,009,500 08.16 KA Sdl 2025
Sovereign Bonds | -1% ₹181 Cr 18,000,000 Gs CG 19/12/2025 - (Strips) Tb
Sovereign Bonds | -1% ₹159 Cr 16,244,600 7. Kotak Money Market Scheme
Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (03 Sep 25) ₹4,548.96 ↑ 0.55 (0.01 %) Net Assets (Cr) ₹35,215 on 31 Jul 25 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 3.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.14% Effective Maturity 6 Months 11 Days Modified Duration 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,391 31 Aug 22 ₹10,808 31 Aug 23 ₹11,564 31 Aug 24 ₹12,435 31 Aug 25 ₹13,411 Returns for Kotak Money Market Scheme
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.1% 1 Year 7.8% 3 Year 7.5% 5 Year 6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.3% 2022 4.9% 2021 3.7% 2020 5.7% 2019 8% 2018 7.7% 2017 6.7% 2016 7.7% 2015 8.4% Fund Manager information for Kotak Money Market Scheme
Name Since Tenure Deepak Agrawal 1 Nov 06 18.84 Yr. Manu Sharma 1 Nov 22 2.83 Yr. Data below for Kotak Money Market Scheme as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 81.3% Debt 18.46% Other 0.24% Debt Sector Allocation
Sector Value Corporate 49.9% Cash Equivalent 28.58% Government 21.28% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill Red 28-05-2026
Sovereign Bonds | -2% ₹648 Cr 67,500,000 364 Days Tbill Red 05-02-2026
Sovereign Bonds | -2% ₹633 Cr 65,000,000 5.15% Govt Stock 2025
Sovereign Bonds | -1% ₹500 Cr 50,000,000 364 DTB 29012026
Sovereign Bonds | -1% ₹488 Cr 50,000,000 Bank of Baroda
Debentures | -1% ₹485 Cr 50,000
↑ 50,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹482 Cr 50,000 Federal Bank Ltd.
Debentures | -1% ₹476 Cr 50,000 364 DTB 04122025
Sovereign Bonds | -1% ₹393 Cr 40,000,000 UCO Bank
Domestic Bonds | -1% ₹334 Cr 35,000 364 DTB 12022026
Sovereign Bonds | -1% ₹292 Cr 30,000,000 8. HDFC Money Market Fund
HDFC Money Market Fund
Growth Launch Date 18 Nov 99 NAV (03 Sep 25) ₹5,790.1 ↑ 0.73 (0.01 %) Net Assets (Cr) ₹36,814 on 31 Jul 25 Category Debt - Money Market AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.4 Sharpe Ratio 3.01 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.19% Effective Maturity 6 Months 19 Days Modified Duration 6 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 20 ₹10,000 31 Aug 21 ₹10,395 31 Aug 22 ₹10,797 31 Aug 23 ₹11,552 31 Aug 24 ₹12,417 31 Aug 25 ₹13,389 Returns for HDFC Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 3 Sep 25 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 4.1% 1 Year 7.8% 3 Year 7.4% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.3% 2022 4.7% 2021 3.8% 2020 6.5% 2019 8.1% 2018 7.4% 2017 6.5% 2016 7.5% 2015 8.3% Fund Manager information for HDFC Money Market Fund
Name Since Tenure Praveen Jain 30 Aug 24 1.01 Yr. Dhruv Muchhal 22 Jun 23 2.2 Yr. Data below for HDFC Money Market Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 83.84% Debt 15.91% Other 0.24% Debt Sector Allocation
Sector Value Corporate 46.54% Cash Equivalent 30.97% Government 22.25% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Punjab National Bank
Domestic Bonds | -2% ₹579 Cr 12,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -1% ₹485 Cr 50,000,000 07.35 GJ Sdl 2026
Sovereign Bonds | -1% ₹485 Cr 48,000,000 IDFC First Bank Ltd.
Debentures | -1% ₹475 Cr 10,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹339 Cr 35,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹292 Cr 30,000,000 364 Days Tbill Mat 200226
Sovereign Bonds | -1% ₹292 Cr 30,000,000 364 Days Tbill Red 05-02-2026
Sovereign Bonds | -1% ₹244 Cr 25,000,000 08.36 MH Sdl 2026
Sovereign Bonds | -1% ₹202 Cr 20,000,000 6.99% Govt Stock 2026
Sovereign Bonds | -1% ₹202 Cr 20,000,000
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Research Highlights for UTI Money Market Fund