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 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 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 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 IDFC Money Manager Fund - Treasury Plan) Seek to generate stable returns with a low risk strategy by creating a portfolio that is substantially invested in good quality floating rate debt or money market
instruments, fixed rate debt or money market instruments swapped for floating
returns and fixed rate debt and money market instruments. However, there can
be no assurance that the investment objectives of the scheme will be realized. Research Highlights for Bandhan Money Manager Fund Below is the key information for Bandhan 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 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 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 (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Money Market Fund Growth ₹3,340.12
↑ 1.51 ₹19,468 0.5 1.6 3.6 6.4 7.5 6.92% 5M 16D 5M 16D Aditya Birla Sun Life Money Manager Fund Growth ₹400.63
↑ 0.19 ₹30,839 0.5 1.6 3.6 6.4 7.4 7.02% 5M 23D 5M 26D Franklin India Savings Fund Growth ₹54.3072
↑ 0.02 ₹3,937 0.5 1.6 3.5 6.4 7.4 6.93% 4M 13D 5M 27D Tata Money Market Fund Growth ₹5,111.05
↑ 2.19 ₹34,511 0.5 1.6 3.5 6.4 7.4 6.94% 5M 20D 5M 20D Bandhan Money Manager Fund Growth ₹43.6147
↑ 0.02 ₹15,564 0.5 1.6 3.5 6.4 7.3 6.84% 6M 6D 6M 6D Kotak Money Market Scheme Growth ₹4,860.01
↑ 2.04 ₹29,764 0.5 1.6 3.5 6.4 7.4 6.92% 5M 16D 5M 16D ICICI Prudential Money Market Fund Growth ₹410.717
↑ 0.18 ₹36,529 0.5 1.6 3.5 6.4 7.4 6.78% 4M 23D 5M 4D HDFC Money Market Fund Growth ₹6,184.56
↑ 2.66 ₹33,192 0.5 1.6 3.5 6.3 7.4 6.89% 5M 10D 5M 22D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26 Research Highlights & Commentary of 8 Funds showcased
Commentary UTI Money Market Fund Aditya Birla Sun Life Money Manager Fund Franklin India Savings Fund Tata Money Market Fund Bandhan Money Manager Fund Kotak Money Market Scheme ICICI Prudential Money Market Fund HDFC Money Market Fund Point 1 Lower mid AUM (₹19,468 Cr). Upper mid AUM (₹30,839 Cr). Bottom quartile AUM (₹3,937 Cr). Top quartile AUM (₹34,511 Cr). Bottom quartile AUM (₹15,564 Cr). Lower mid AUM (₹29,764 Cr). Highest AUM (₹36,529 Cr). Upper mid AUM (₹33,192 Cr). Point 2 Established history (17+ yrs). Established history (20+ yrs). Established history (24+ yrs). Established history (23+ yrs). Established history (23+ yrs). Established history (23+ yrs). Established history (20+ yrs). Oldest track record among peers (26 yrs). Point 3 Rating: 4★ (top quartile). Top rated. Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.42% (top quartile). 1Y return: 6.39% (top quartile). 1Y return: 6.39% (upper mid). 1Y return: 6.37% (upper mid). 1Y return: 6.36% (lower mid). 1Y return: 6.36% (lower mid). 1Y return: 6.36% (bottom quartile). 1Y return: 6.34% (bottom quartile). Point 6 1M return: 0.52% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.52% (top quartile). 1M return: 0.50% (bottom quartile). 1M return: 0.51% (upper mid). 1M return: 0.50% (bottom quartile). 1M return: 0.51% (lower mid). 1M return: 0.50% (lower mid). Point 7 Sharpe: 0.97 (top quartile). Sharpe: 0.87 (bottom quartile). Sharpe: 0.96 (upper mid). Sharpe: 1.00 (top quartile). Sharpe: 0.93 (upper mid). Sharpe: 0.92 (lower mid). Sharpe: 0.88 (bottom quartile). Sharpe: 0.89 (lower mid). 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): 6.92% (upper mid). Yield to maturity (debt): 7.02% (top quartile). Yield to maturity (debt): 6.93% (upper mid). Yield to maturity (debt): 6.94% (top quartile). Yield to maturity (debt): 6.84% (bottom quartile). Yield to maturity (debt): 6.92% (lower mid). Yield to maturity (debt): 6.78% (bottom quartile). Yield to maturity (debt): 6.89% (lower mid). Point 10 Modified duration: 0.46 yrs (lower mid). Modified duration: 0.48 yrs (bottom quartile). Modified duration: 0.37 yrs (top quartile). Modified duration: 0.47 yrs (lower mid). Modified duration: 0.52 yrs (bottom quartile). Modified duration: 0.46 yrs (upper mid). Modified duration: 0.40 yrs (top quartile). Modified duration: 0.44 yrs (upper mid). UTI Money Market Fund
Aditya Birla Sun Life Money Manager Fund
Franklin India Savings Fund
Tata Money Market Fund
Bandhan Money Manager Fund
Kotak Money Market Scheme
ICICI Prudential Money Market Fund
HDFC Money Market Fund
1. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (30 Sep 26) ₹3,340.12 ↑ 1.51 (0.05 %) Net Assets (Cr) ₹19,468 on 31 Aug 26 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 0.97 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.92% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,414 30 Sep 23 ₹11,178 30 Sep 24 ₹12,035 30 Sep 25 ₹12,973 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.6% 1 Year 6.4% 3 Year 7.3% 5 Year 6.7% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.5% 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% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 4.75 Yr. Amit Sharma 7 Jul 17 9.16 Yr. Data below for UTI Money Market Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 86.51% Debt 13.16% Other 0.33% Debt Sector Allocation
Sector Value Corporate 45.42% Cash Equivalent 36.67% Government 17.58% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹489 Cr 5,000,000,000 India (Republic of)
- | -2% ₹342 Cr 3,500,000,000 UCO Bank
Domestic Bonds | -1% ₹237 Cr 2,500,000,000 Indian Overseas Bank
Debentures | -1% ₹194 Cr 2,000,000,000 Axis Bank Ltd.
Debentures | -1% ₹194 Cr 2,000,000,000 Punjab & Sind Bank
Debentures | -1% ₹169 Cr 1,750,000,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹140 Cr 1,500,000,000 HDFC Bank Ltd.
Debentures | -1% ₹97 Cr 1,000,000,000 Ujjivan Small Finance Bank Limited
Debentures | -1% ₹97 Cr 1,000,000,000 Axis Bank Ltd.
Debentures | -1% ₹97 Cr 1,000,000,000 2. Aditya Birla Sun Life Money Manager Fund
Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (30 Sep 26) ₹400.63 ↑ 0.19 (0.05 %) Net Assets (Cr) ₹30,839 on 15 Aug 26 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 0.87 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 5 Months 26 Days Modified Duration 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,406 30 Sep 23 ₹11,170 30 Sep 24 ₹12,033 30 Sep 25 ₹12,961 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 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.6% 1 Year 6.4% 3 Year 7.3% 5 Year 6.6% 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 15.14 Yr. Anuj Jain 22 Mar 21 5.45 Yr. Mohit Sharma 1 Apr 17 9.42 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 15 Aug 26
Asset Allocation
Asset Class Value Cash 70.3% Debt 29.7% Debt Sector Allocation
Sector Value Corporate 57.75% Cash Equivalent 27.38% Government 14.86% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -5% ₹1,414 Cr 29,000 The Jammu And Kashmir Bank Limited
Debentures | -3% ₹969 Cr 20,000 Axis Bank Ltd.
Debentures | -3% ₹935 Cr 19,000 Federal Bank Ltd.
Debentures | -3% ₹923 Cr 19,000 Gujarat State Development Loans
Sovereign Bonds | -3% ₹796 Cr 79,327,600 India (Republic of)
- | -2% ₹498 Cr 50,000,000 Karur Vysya Bank Ltd.
Debentures | -2% ₹485 Cr 10,000 The Jammu And Kashmir Bank Limited
Debentures | -2% ₹484 Cr 10,000 Tbill
Sovereign Bonds | -1% ₹399 Cr 40,000,000 India (Republic of)
- | -1% ₹347 Cr 35,000,000
↑ 35,000,000 3. Franklin India Savings Fund
Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (30 Sep 26) ₹54.3072 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹3,937 on 31 Aug 26 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.3 Sharpe Ratio 0.96 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.93% Effective Maturity 5 Months 27 Days Modified Duration 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,369 30 Sep 23 ₹11,106 30 Sep 24 ₹11,948 30 Sep 25 ₹12,874 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.4% 3 Year 7.2% 5 Year 6.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 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% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.91 Yr. Rohan Maru 10 Oct 24 1.89 Yr. Chandni Gupta 30 Apr 24 2.34 Yr. Data below for Franklin India Savings Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 87.6% Debt 12.12% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 45.49% Corporate 29.87% Government 24.35% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.67% Uttarpradesh Sdl 2027
Sovereign Bonds | -9% ₹360 Cr 34,500,000
↓ -3,000,000 Canara Bank
Domestic Bonds | -2% ₹97 Cr 2,000
↑ 2,000 Corporate Debt Market Development Fund Class A2
- | -0% ₹11 Cr 9,359 7.78% Telangana Sdl 2027
Sovereign Bonds | -0% ₹10 Cr 1,000,000 6.88% Westbengal Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 7.14% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 7.88% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 Bajaj Housing Finance Limited
Commercial Paper | -7% ₹291 Cr 6,000 Piramal Finance Limited
Commercial Paper | -7% ₹263 Cr 5,300 HDFC Bank Ltd
Certificate of Deposit | -6% ₹243 Cr 5,000 4. Tata Money Market Fund
Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (30 Sep 26) ₹5,111.05 ↑ 2.19 (0.04 %) Net Assets (Cr) ₹34,511 on 31 Aug 26 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.44 Sharpe Ratio 1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 5 Months 20 Days Modified Duration 5 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,403 30 Sep 23 ₹11,158 30 Sep 24 ₹12,016 30 Sep 25 ₹12,944 Returns for Tata Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.4% 3 Year 7.3% 5 Year 6.6% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 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% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 12.88 Yr. Harsh Dave 1 Jun 26 0.25 Yr. Data below for Tata Money Market Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 76.54% Debt 23.16% Other 0.31% Debt Sector Allocation
Sector Value Corporate 41.84% Cash Equivalent 35.11% Government 22.74% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹1,073 Cr 110,000,000 India (Republic of)
- | -2% ₹833 Cr 85,000,000 IDFC First Bank Ltd.
Debentures | -2% ₹733 Cr 15,000 The Jammu And Kashmir Bank Limited
Debentures | -2% ₹726 Cr 15,000 Indian Overseas Bank
Debentures | -2% ₹679 Cr 14,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹580 Cr 12,000 Axis Bank Ltd.
Debentures | -2% ₹534 Cr 11,000 7.86% Karnataka Sdl 2027
Sovereign Bonds | -1% ₹490 Cr 48,500,000 India (Republic of)
- | -1% ₹311 Cr 31,500,000 17/12/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹311 Cr 31,500,000 5. Bandhan Money Manager Fund
Bandhan Money Manager Fund
Growth Launch Date 18 Feb 03 NAV (30 Sep 26) ₹43.6147 ↑ 0.02 (0.05 %) Net Assets (Cr) ₹15,564 on 15 Aug 26 Category Debt - Money Market AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.35 Sharpe Ratio 0.93 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.84% Effective Maturity 6 Months 6 Days Modified Duration 6 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,330 30 Sep 23 ₹11,005 30 Sep 24 ₹11,773 30 Sep 25 ₹12,669 Returns for Bandhan Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.4% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 6.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.3% 2024 7.2% 2023 6.7% 2022 4% 2021 2.9% 2020 5% 2019 6.7% 2018 6.2% 2017 6% 2016 8.1% Fund Manager information for Bandhan Money Manager Fund
Name Since Tenure Gautam Kaul 1 Dec 21 4.75 Yr. Brijesh Shah 12 Jul 21 5.14 Yr. Data below for Bandhan Money Manager Fund as on 15 Aug 26
Asset Allocation
Asset Class Value Cash 80.38% Debt 19.33% Other 0.29% Debt Sector Allocation
Sector Value Corporate 44.97% Cash Equivalent 34.68% Government 20.06% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹903 Cr 91,500,000
↓ -2,500,000 HDFC Bank Ltd.
Debentures | -4% ₹535 Cr 55,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹217 Cr 22,500,000 ICICI Bank Ltd.
Debentures | -1% ₹193 Cr 20,000,000 Axis Bank Ltd.
Debentures | -1% ₹146 Cr 15,000,000 5.74% Govt Stock 2026
Sovereign Bonds | -1% ₹119 Cr 11,901,500 7.78% Bihar Sdl 2027
Sovereign Bonds | -1% ₹110 Cr 10,900,000 7.08% Karnataka Sdl 2026
Sovereign Bonds | -1% ₹105 Cr 10,500,000 Axis Bank Ltd.
Debentures | -1% ₹97 Cr 10,000,000 Gs12dec2026c
Sovereign Bonds | -1% ₹92 Cr 9,367,500
↑ 9,367,500 6. Kotak Money Market Scheme
Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (30 Sep 26) ₹4,860.01 ↑ 2.04 (0.04 %) Net Assets (Cr) ₹29,764 on 31 Aug 26 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 0.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.92% Effective Maturity 5 Months 16 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,412 30 Sep 23 ₹11,161 30 Sep 24 ₹12,015 30 Sep 25 ₹12,940 Returns for Kotak Money Market Scheme
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.4% 3 Year 7.2% 5 Year 6.6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 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% Fund Manager information for Kotak Money Market Scheme
Name Since Tenure Deepak Agrawal 7 Aug 26 0.07 Yr. Manu Sharma 7 Aug 26 0.07 Yr. Data below for Kotak Money Market Scheme as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 78.95% Debt 20.73% Other 0.32% Debt Sector Allocation
Sector Value Corporate 46.47% Cash Equivalent 28.22% Government 24.99% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹1,224 Cr 125,000,000 India (Republic of)
- | -3% ₹855 Cr 87,484,400 Indusind Bank Ltd.
Debentures | -2% ₹731 Cr 75,000 India (Republic of)
- | -2% ₹491 Cr 50,000,000 Punjab National Bank
Debentures | -2% ₹488 Cr 50,000 Federal Bank Ltd.
Debentures | -1% ₹366 Cr 37,500 India (Republic of)
- | -1% ₹338 Cr 34,500,000 Small Industries Development Bank of India
Debentures | -1% ₹280 Cr 30,000 India (Republic of)
- | -1% ₹247 Cr 25,000,000
↑ 25,000,000 Karur Vysya Bank Ltd.
Debentures | -1% ₹243 Cr 25,000 7. ICICI Prudential Money Market Fund
ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (30 Sep 26) ₹410.717 ↑ 0.18 (0.04 %) Net Assets (Cr) ₹36,529 on 31 Aug 26 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.78% Effective Maturity 5 Months 4 Days Modified Duration 4 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,396 30 Sep 23 ₹11,152 30 Sep 24 ₹12,006 30 Sep 25 ₹12,935 Returns for ICICI Prudential Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.4% 3 Year 7.3% 5 Year 6.6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 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% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Manish Banthia 12 Jun 23 3.22 Yr. Nikhil Kabra 3 Aug 16 10.08 Yr. Data below for ICICI Prudential Money Market Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 88.15% Debt 11.57% Other 0.28% Debt Sector Allocation
Sector Value Corporate 48.08% Cash Equivalent 27.65% Government 23.99% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹1,234 Cr 125,000,000 India (Republic of)
- | -2% ₹780 Cr 78,500,000
↓ -10,000,000 Bank of India Ltd.
Debentures | -1% ₹437 Cr 9,000 India (Republic of)
- | -1% ₹394 Cr 40,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹387 Cr 8,000
↓ -2,000 India (Republic of)
- | -1% ₹372 Cr 37,993,100 India (Republic of)
- | -1% ₹337 Cr 34,000,000 India (Republic of)
- | -1% ₹309 Cr 31,500,000
↓ -10,000,000 India (Republic of)
- | -1% ₹248 Cr 25,000,000 India (Republic of)
- | -1% ₹248 Cr 25,000,000 8. HDFC Money Market Fund
HDFC Money Market Fund
Growth Launch Date 18 Nov 99 NAV (30 Sep 26) ₹6,184.56 ↑ 2.66 (0.04 %) Net Assets (Cr) ₹33,192 on 31 Aug 26 Category Debt - Money Market AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.4 Sharpe Ratio 0.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 5 Months 22 Days Modified Duration 5 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,399 30 Sep 23 ₹11,148 30 Sep 24 ₹11,993 30 Sep 25 ₹12,914 Returns for HDFC Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.5% 1 Year 6.3% 3 Year 7.2% 5 Year 6.5% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 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% Fund Manager information for HDFC Money Market Fund
Name Since Tenure Praveen Jain 31 Aug 24 2 Yr. Dhruv Muchhal 22 Jun 23 3.2 Yr. Data below for HDFC Money Market Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 74.39% Debt 25.3% Other 0.3% Debt Sector Allocation
Sector Value Corporate 46.75% Cash Equivalent 30.56% Government 22.4% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Overseas Bank
Debentures | -3% ₹971 Cr 20,000 India (Republic of)
- | -2% ₹686 Cr 70,000,000 India (Republic of)
- | -2% ₹685 Cr 70,000,000 Punjab & Sind Bank
Debentures | -2% ₹631 Cr 13,000 India (Republic of)
- | -2% ₹493 Cr 50,000,000 Axis Bank Ltd.
Debentures | -1% ₹461 Cr 9,500 Bank of India Ltd.
Debentures | -1% ₹438 Cr 9,000 India (Republic of)
- | -1% ₹328 Cr 33,600,000
↓ -2,500,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹291 Cr 6,000 UCO Bank
Domestic Bonds | -1% ₹284 Cr 6,000
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Research Highlights for UTI Money Market Fund