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ਬੈਸਟ ਮਨੀ ਮਾਰਕੀਟ ਮਿਉਚੁਅਲ ਫੰਡ 2022

Updated on January 8, 2026 , 43691 views

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 ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਿਉਂ ਕਰੀਏ?

  • 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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ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਕਿਵੇਂ ਕੰਮ ਕਰਦੇ ਹਨ?

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 ਸਾਧਨਾਂ ਦੀਆਂ ਕਿਸਮਾਂ

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:

1. ਖਜ਼ਾਨਾ ਬਿੱਲ ਜਾਂ ਟੀ-ਬਿੱਲ

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।

2. ਡਿਪਾਜ਼ਿਟ ਦਾ ਸਰਟੀਫਿਕੇਟ ਜਾਂ ਸੀ.ਡੀ

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।

3. ਮੁੜ ਖਰੀਦ ਸਮਝੌਤੇ ਜਾਂ ਰਿਪੋਜ਼

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।

4. ਵਪਾਰਕ ਕਾਗਜ਼ ਜਾਂ ਸੀ.ਪੀ

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।

ਚੋਟੀ ਦੇ 8 ਮਨੀ ਮਾਰਕੀਟ ਮਿਉਚੁਅਲ ਫੰਡ 2022

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Money Market Fund Growth ₹3,188.31
↑ 0.15
₹22,1980.41.42.97.47.56.19%4M 12D4M 12D
ICICI Prudential Money Market Fund Growth ₹392.3
↑ 0.02
₹35,5790.41.42.97.47.46.15%3M 17D3M 25D
Franklin India Savings Fund Growth ₹51.8555
↑ 0.00
₹4,4220.51.42.97.47.46.17%3M 14D3M 22D
Nippon India Money Market Fund Growth ₹4,289.07
↑ 0.15
₹24,2390.41.42.87.37.46.27%4M 27D5M 7D
Tata Money Market Fund Growth ₹4,878.69
↑ 0.24
₹41,1970.41.42.87.37.40%
Kotak Money Market Scheme Growth ₹4,640.23
↑ 0.19
₹37,6670.41.42.87.37.46.2%4M 24D4M 24D
HDFC Money Market Fund Growth ₹5,905.69
↑ 0.34
₹37,5170.41.42.87.37.46.19%3M 20D3M 27D
Bandhan Money Manager Fund Growth ₹41.648
↑ 0.00
₹14,3460.41.42.87.37.36.08%3M 23D3M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Jan 26

Research Highlights & Commentary of 8 Funds showcased

CommentaryUTI Money Market FundICICI Prudential Money Market FundFranklin India Savings FundNippon India Money Market FundTata Money Market FundKotak Money Market SchemeHDFC Money Market FundBandhan Money Manager Fund
Point 1Lower mid AUM (₹22,198 Cr).Upper mid AUM (₹35,579 Cr).Bottom quartile AUM (₹4,422 Cr).Lower mid AUM (₹24,239 Cr).Highest AUM (₹41,197 Cr).Top quartile AUM (₹37,667 Cr).Upper mid AUM (₹37,517 Cr).Bottom quartile AUM (₹14,346 Cr).
Point 2Established history (16+ yrs).Established history (19+ yrs).Established history (23+ yrs).Established history (20+ yrs).Established history (22+ yrs).Established history (22+ yrs).Oldest track record among peers (26 yrs).Established history (22+ yrs).
Point 3Top rated.Rating: 4★ (top quartile).Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (lower mid).Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.
Point 51Y return: 7.40% (top quartile).1Y return: 7.38% (top quartile).1Y return: 7.37% (upper mid).1Y return: 7.34% (upper mid).1Y return: 7.30% (lower mid).1Y return: 7.30% (lower mid).1Y return: 7.29% (bottom quartile).1Y return: 7.27% (bottom quartile).
Point 61M return: 0.42% (upper mid).1M return: 0.44% (upper mid).1M return: 0.45% (top quartile).1M return: 0.40% (bottom quartile).1M return: 0.40% (bottom quartile).1M return: 0.41% (lower mid).1M return: 0.42% (lower mid).1M return: 0.44% (top quartile).
Point 7Sharpe: 3.06 (top quartile).Sharpe: 2.82 (lower mid).Sharpe: 2.80 (lower mid).Sharpe: 2.94 (top quartile).Sharpe: 2.94 (upper mid).Sharpe: 2.87 (upper mid).Sharpe: 2.74 (bottom quartile).Sharpe: 2.77 (bottom quartile).
Point 8Information 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 9Yield to maturity (debt): 6.19% (upper mid).Yield to maturity (debt): 6.15% (lower mid).Yield to maturity (debt): 6.17% (lower mid).Yield to maturity (debt): 6.27% (top quartile).Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 6.20% (top quartile).Yield to maturity (debt): 6.19% (upper mid).Yield to maturity (debt): 6.08% (bottom quartile).
Point 10Modified duration: 0.37 yrs (lower mid).Modified duration: 0.30 yrs (upper mid).Modified duration: 0.29 yrs (top quartile).Modified duration: 0.41 yrs (bottom quartile).Modified duration: 0.00 yrs (top quartile).Modified duration: 0.40 yrs (bottom quartile).Modified duration: 0.31 yrs (upper mid).Modified duration: 0.32 yrs (lower mid).

UTI Money Market Fund

  • Lower mid AUM (₹22,198 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.40% (top quartile).
  • 1M return: 0.42% (upper mid).
  • Sharpe: 3.06 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.19% (upper mid).
  • Modified duration: 0.37 yrs (lower mid).

ICICI Prudential Money Market Fund

  • Upper mid AUM (₹35,579 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 7.38% (top quartile).
  • 1M return: 0.44% (upper mid).
  • Sharpe: 2.82 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.15% (lower mid).
  • Modified duration: 0.30 yrs (upper mid).

Franklin India Savings Fund

  • Bottom quartile AUM (₹4,422 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.37% (upper mid).
  • 1M return: 0.45% (top quartile).
  • Sharpe: 2.80 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.17% (lower mid).
  • Modified duration: 0.29 yrs (top quartile).

Nippon India Money Market Fund

  • Lower mid AUM (₹24,239 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.34% (upper mid).
  • 1M return: 0.40% (bottom quartile).
  • Sharpe: 2.94 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.27% (top quartile).
  • Modified duration: 0.41 yrs (bottom quartile).

Tata Money Market Fund

  • Highest AUM (₹41,197 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.30% (lower mid).
  • 1M return: 0.40% (bottom quartile).
  • Sharpe: 2.94 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Kotak Money Market Scheme

  • Top quartile AUM (₹37,667 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.30% (lower mid).
  • 1M return: 0.41% (lower mid).
  • Sharpe: 2.87 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.20% (top quartile).
  • Modified duration: 0.40 yrs (bottom quartile).

HDFC Money Market Fund

  • Upper mid AUM (₹37,517 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.29% (bottom quartile).
  • 1M return: 0.42% (lower mid).
  • Sharpe: 2.74 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.19% (upper mid).
  • Modified duration: 0.31 yrs (upper mid).

Bandhan Money Manager Fund

  • Bottom quartile AUM (₹14,346 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.27% (bottom quartile).
  • 1M return: 0.44% (top quartile).
  • Sharpe: 2.77 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.32 yrs (lower mid).

1. UTI Money Market Fund

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.

Research Highlights for UTI Money Market Fund

  • Lower mid AUM (₹22,198 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.40% (top quartile).
  • 1M return: 0.42% (upper mid).
  • Sharpe: 3.06 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.19% (upper mid).
  • Modified duration: 0.37 yrs (lower mid).
  • Average maturity: 0.37 yrs (lower mid).
  • Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (09 Jan 26) ₹3,188.31 ↑ 0.15   (0.00 %)
Net Assets (Cr) ₹22,198 on 30 Nov 25
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 3.06
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.19%
Effective Maturity 4 Months 12 Days
Modified Duration 4 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,375
31 Dec 22₹10,885
31 Dec 23₹11,694
31 Dec 24₹12,599
31 Dec 25₹13,542

UTI Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.9%
1 Year 7.4%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.4%
2021 4.9%
2020 3.7%
2019 6%
2018 8%
2017 7.8%
2016 6.7%
2015 7.7%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 214 Yr.
Amit Sharma7 Jul 178.41 Yr.

Data below for UTI Money Market Fund as on 30 Nov 25

Asset Allocation
Asset ClassValue
Cash77.2%
Debt22.56%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate50.63%
Cash Equivalent32.86%
Government16.27%
Credit Quality
RatingValue
A0.45%
AAA99.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indusind Bank Ltd.
Debentures | -
2%₹533 Cr5,500,000,000
↑ 5,500,000,000
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
2%₹493 Cr5,000,000,000
364 DTB 19mar2026
Sovereign Bonds | -
2%₹492 Cr5,000,000,000
Union Bank of India
Domestic Bonds | -
2%₹389 Cr4,000,000,000
↑ 4,000,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
1%₹286 Cr3,000,000,000
↑ 3,000,000,000
Small Industries Development Bank of India
Debentures | -
1%₹284 Cr3,000,000,000
↑ 3,000,000,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹246 Cr2,500,000,000
India (Republic of)
- | -
1%₹246 Cr2,500,000,000
↑ 2,500,000,000
IDFC First Bank Ltd.
Debentures | -
1%₹243 Cr2,500,000,000
↑ 2,500,000,000
364 DTB 12022026
Sovereign Bonds | -
1%₹198 Cr2,000,000,000

2. ICICI Prudential Money Market Fund

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

  • Upper mid AUM (₹35,579 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Low.
  • 1Y return: 7.38% (top quartile).
  • 1M return: 0.44% (upper mid).
  • Sharpe: 2.82 (lower mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.15% (lower mid).
  • Modified duration: 0.30 yrs (upper mid).
  • Average maturity: 0.32 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund
Growth
Launch Date 9 Mar 06
NAV (09 Jan 26) ₹392.3 ↑ 0.02   (0.01 %)
Net Assets (Cr) ₹35,579 on 15 Dec 25
Category Debt - Money Market
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.32
Sharpe Ratio 2.82
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.15%
Effective Maturity 3 Months 25 Days
Modified Duration 3 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,369
31 Dec 22₹10,860
31 Dec 23₹11,659
31 Dec 24₹12,562
31 Dec 25₹13,495

ICICI Prudential Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.9%
1 Year 7.4%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 7.4%
2021 4.7%
2020 3.7%
2019 6.2%
2018 7.9%
2017 7.7%
2016 6.7%
2015 7.7%
Fund Manager information for ICICI Prudential Money Market Fund
NameSinceTenure
Manish Banthia12 Jun 232.47 Yr.
Nikhil Kabra3 Aug 169.33 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Dec 25

Asset Allocation
Asset ClassValue
Cash90.4%
Debt9.37%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent43.59%
Corporate41.11%
Government15.07%
Credit Quality
RatingValue
AAA98.14%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
6%₹2,304 Cr233,500,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
4%₹1,299 Cr131,500,000
Bank of Baroda
Debentures | -
2%₹593 Cr12,000
Bank of Baroda
Debentures | -
1%₹470 Cr9,500
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
1%₹346 Cr35,000,000
364 DTB 15012026
Sovereign Bonds | -
1%₹299 Cr30,000,000
India (Republic of)
- | -
1%₹249 Cr25,000,000
Union Bank of India
Domestic Bonds | -
1%₹243 Cr5,000
Bank of India Ltd.
Debentures | -
1%₹243 Cr5,000
HDFC Bank Ltd.
Debentures | -
1%₹197 Cr4,000

3. Franklin India Savings Fund

(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

  • Bottom quartile AUM (₹4,422 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.37% (upper mid).
  • 1M return: 0.45% (top quartile).
  • Sharpe: 2.80 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.17% (lower mid).
  • Modified duration: 0.29 yrs (top quartile).
  • Average maturity: 0.31 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund
Growth
Launch Date 11 Feb 02
NAV (09 Jan 26) ₹51.8555 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹4,422 on 30 Nov 25
Category Debt - Money Market
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately Low
Expense Ratio 0.3
Sharpe Ratio 2.8
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.17%
Effective Maturity 3 Months 22 Days
Modified Duration 3 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,358
31 Dec 22₹10,815
31 Dec 23₹11,601
31 Dec 24₹12,490
31 Dec 25₹13,419

Franklin India Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Franklin India Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.5%
3 Month 1.4%
6 Month 2.9%
1 Year 7.4%
3 Year 7.4%
5 Year 6.1%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 7.3%
2021 4.4%
2020 3.6%
2019 6%
2018 8.5%
2017 7.5%
2016 7.2%
2015 8.1%
Fund Manager information for Franklin India Savings Fund
NameSinceTenure
Rahul Goswami6 Oct 232.16 Yr.
Rohan Maru10 Oct 241.14 Yr.
Chandni Gupta30 Apr 241.59 Yr.

Data below for Franklin India Savings Fund as on 30 Nov 25

Asset Allocation
Asset ClassValue
Cash98.44%
Debt1.33%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent52.25%
Corporate27.56%
Government19.96%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
5%₹222 Cr22,500,000
Canara Bank
Domestic Bonds | -
5%₹198 Cr4,000
364 DTB 22012026
Sovereign Bonds | -
3%₹127 Cr12,816,500
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹74 Cr1,500
Punjab National Bank
Domestic Bonds | -
1%₹50 Cr1,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹49 Cr5,000,000
Indian Bank
Domestic Bonds | -
1%₹49 Cr1,000
08.39 RJ UDAY 2026
Domestic Bonds | -
1%₹29 Cr2,860,000
08.43 AS Sdl 2026
Sovereign Bonds | -
1%₹21 Cr2,000,000
India (Republic of)
- | -
0%₹20 Cr2,000,000

4. Nippon India Money Market Fund

(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

  • Lower mid AUM (₹24,239 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.34% (upper mid).
  • 1M return: 0.40% (bottom quartile).
  • Sharpe: 2.94 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.27% (top quartile).
  • Modified duration: 0.41 yrs (bottom quartile).
  • Average maturity: 0.44 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund
Growth
Launch Date 16 Jun 05
NAV (09 Jan 26) ₹4,289.07 ↑ 0.15   (0.00 %)
Net Assets (Cr) ₹24,239 on 15 Dec 25
Category Debt - Money Market
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.39
Sharpe Ratio 2.94
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.27%
Effective Maturity 5 Months 7 Days
Modified Duration 4 Months 27 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,379
31 Dec 22₹10,897
31 Dec 23₹11,698
31 Dec 24₹12,605
31 Dec 25₹13,542

Nippon India Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.8%
1 Year 7.3%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.8%
2022 7.4%
2021 5%
2020 3.8%
2019 6%
2018 8.1%
2017 7.9%
2016 6.6%
2015 7.6%
Fund Manager information for Nippon India Money Market Fund
NameSinceTenure
Kinjal Desai16 Jul 187.38 Yr.
Vikash Agarwal14 Sep 241.21 Yr.
Lokesh Maru5 Sep 250.24 Yr.
Divya Sharma5 Sep 250.24 Yr.

Data below for Nippon India Money Market Fund as on 15 Dec 25

Asset Allocation
Asset ClassValue
Cash87.41%
Debt12.35%
Other0.24%
Debt Sector Allocation
SectorValue
Cash Equivalent53.41%
Corporate35.47%
Government10.88%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treasury Bill
Sovereign Bonds | -
2%₹440 Cr45,000,000
Bank of Baroda
Debentures | -
2%₹365 Cr7,500
Small Industries Development Bank of India
Debentures | -
1%₹284 Cr6,000
364 DTB 27022026
Sovereign Bonds | -
1%₹247 Cr25,000,000
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
1%₹247 Cr25,000,000
Bank of India Ltd.
Debentures | -
1%₹243 Cr5,000
07.36 UK Gs 2033
Sovereign Bonds | -
1%₹229 Cr22,783,400
Indian Bank
Domestic Bonds | -
1%₹222 Cr4,500
Treasury Bills
Sovereign Bonds | -
1%₹197 Cr20,000,000
Bank of India Ltd.
Debentures | -
1%₹195 Cr4,000

5. Tata Money Market Fund

(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

  • Highest AUM (₹41,197 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.30% (lower mid).
  • 1M return: 0.40% (bottom quartile).
  • Sharpe: 2.94 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).
  • Average maturity: 0.00 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for Tata Money Market Fund

Tata Money Market Fund
Growth
Launch Date 22 May 03
NAV (09 Jan 26) ₹4,878.69 ↑ 0.24   (0.00 %)
Net Assets (Cr) ₹41,197 on 15 Dec 25
Category Debt - Money Market
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.44
Sharpe Ratio 2.94
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,393
31 Dec 22₹10,891
31 Dec 23₹11,693
31 Dec 24₹12,595
31 Dec 25₹13,528

Tata Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.8%
1 Year 7.3%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 7.4%
2021 4.8%
2020 3.9%
2019 6.4%
2018 8.1%
2017 -0.1%
2016 6.7%
2015 7.6%
Fund Manager information for Tata Money Market Fund
NameSinceTenure
Amit Somani16 Oct 1312.13 Yr.

Data below for Tata Money Market Fund as on 15 Dec 25

Asset Allocation
Asset ClassValue
Cash77.86%
Debt21.92%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent41.39%
Corporate39.88%
Government18.51%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.63% Govt Stock 2026
Sovereign Bonds | -
6%₹2,361 Cr236,000,000
Treasury Bill
Sovereign Bonds | -
4%₹1,548 Cr162,500,000
↑ 162,500,000
Indian Bank
Domestic Bonds | -
2%₹953 Cr20,000
Small Industries Development Bank of India
Debentures | -
2%₹945 Cr20,000
Indusind Bank Ltd.
Debentures | -
1%₹583 Cr12,000
Canara Bank
Domestic Bonds | -
1%₹546 Cr11,000
364 DTB 19mar2026
Sovereign Bonds | -
1%₹493 Cr50,000,000
India (Republic of)
- | -
1%₹375 Cr38,000,000
Indusind Bank Ltd.
Debentures | -
1%₹292 Cr6,000
Indusind Bank Ltd.
Debentures | -
1%₹247 Cr5,000

6. Kotak Money Market Scheme

(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

  • Top quartile AUM (₹37,667 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.30% (lower mid).
  • 1M return: 0.41% (lower mid).
  • Sharpe: 2.87 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.20% (top quartile).
  • Modified duration: 0.40 yrs (bottom quartile).
  • Average maturity: 0.40 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme
Growth
Launch Date 14 Jul 03
NAV (09 Jan 26) ₹4,640.23 ↑ 0.19   (0.00 %)
Net Assets (Cr) ₹37,667 on 15 Dec 25
Category Debt - Money Market
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.36
Sharpe Ratio 2.87
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.2%
Effective Maturity 4 Months 24 Days
Modified Duration 4 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,368
31 Dec 22₹10,871
31 Dec 23₹11,666
31 Dec 24₹12,566
31 Dec 25₹13,494

Kotak Money Market Scheme SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.8%
1 Year 7.3%
3 Year 7.4%
5 Year 6.2%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 7.3%
2021 4.9%
2020 3.7%
2019 5.7%
2018 8%
2017 7.7%
2016 6.7%
2015 7.7%
Fund Manager information for Kotak Money Market Scheme
NameSinceTenure
Deepak Agrawal1 Nov 0619.1 Yr.
Manu Sharma1 Nov 223.08 Yr.

Data below for Kotak Money Market Scheme as on 15 Dec 25

Asset Allocation
Asset ClassValue
Cash82.45%
Debt17.32%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate47.8%
Cash Equivalent35.9%
Government16.06%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
2%₹881 Cr90,000,000
Indusind Bank Ltd.
Debentures | -
2%₹680 Cr70,000
364 Days Tbill Red 28-05-2026
Sovereign Bonds | -
2%₹660 Cr67,500,000
364 Days Tbill Red 05-02-2026
Sovereign Bonds | -
2%₹645 Cr65,000,000
India (Republic of)
- | -
2%₹592 Cr60,000,000
364 DTB 29012026
Sovereign Bonds | -
1%₹497 Cr50,000,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
1%₹492 Cr50,000
Bank of Baroda
Debentures | -
1%₹487 Cr50,000
Bank of India Ltd.
Debentures | -
1%₹487 Cr50,000
Federal Bank Ltd.
Debentures | -
1%₹462 Cr47,500
↓ -2,500

7. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

  • Upper mid AUM (₹37,517 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.29% (bottom quartile).
  • 1M return: 0.42% (lower mid).
  • Sharpe: 2.74 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.19% (upper mid).
  • Modified duration: 0.31 yrs (upper mid).
  • Average maturity: 0.33 yrs (lower mid).
  • Exit load: NIL.

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund
Growth
Launch Date 18 Nov 99
NAV (09 Jan 26) ₹5,905.69 ↑ 0.34   (0.01 %)
Net Assets (Cr) ₹37,517 on 30 Nov 25
Category Debt - Money Market
AMC HDFC Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.4
Sharpe Ratio 2.74
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 6.19%
Effective Maturity 3 Months 27 Days
Modified Duration 3 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,378
31 Dec 22₹10,869
31 Dec 23₹11,659
31 Dec 24₹12,554
31 Dec 25₹13,478

HDFC Money Market Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.8%
1 Year 7.3%
3 Year 7.4%
5 Year 6.2%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 7.3%
2021 4.7%
2020 3.8%
2019 6.5%
2018 8.1%
2017 7.4%
2016 6.5%
2015 7.5%
Fund Manager information for HDFC Money Market Fund
NameSinceTenure
Praveen Jain30 Aug 241.25 Yr.
Dhruv Muchhal22 Jun 232.44 Yr.

Data below for HDFC Money Market Fund as on 30 Nov 25

Asset Allocation
Asset ClassValue
Cash86.43%
Debt13.32%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate45.79%
Cash Equivalent36.95%
Government17%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Canara Bank
Domestic Bonds | -
3%₹1,092 Cr22,000
Punjab National Bank
Domestic Bonds | -
2%₹689 Cr14,000
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
1%₹494 Cr50,000,000
Union Bank of India
Domestic Bonds | -
1%₹487 Cr10,000
IDFC First Bank Ltd.
Debentures | -
1%₹484 Cr10,000
07.35 GJ Sdl 2026
Sovereign Bonds | -
1%₹482 Cr48,000,000
India (Republic of)
- | -
1%₹392 Cr40,000,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹346 Cr35,000,000
364 DTB 12022026
Sovereign Bonds | -
1%₹298 Cr30,000,000
India (Republic of)
- | -
1%₹297 Cr30,000,000
↑ 30,000,000

8. Bandhan Money Manager Fund

(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

  • Bottom quartile AUM (₹14,346 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.27% (bottom quartile).
  • 1M return: 0.44% (top quartile).
  • Sharpe: 2.77 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.32 yrs (lower mid).
  • Average maturity: 0.32 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for Bandhan Money Manager Fund

Bandhan Money Manager Fund
Growth
Launch Date 18 Feb 03
NAV (09 Jan 26) ₹41.648 ↑ 0.00   (0.00 %)
Net Assets (Cr) ₹14,346 on 30 Nov 25
Category Debt - Money Market
AMC IDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.58
Sharpe Ratio 2.77
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.08%
Effective Maturity 3 Months 23 Days
Modified Duration 3 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 20₹10,000
31 Dec 21₹10,294
31 Dec 22₹10,708
31 Dec 23₹11,421
31 Dec 24₹12,244
31 Dec 25₹13,141

Bandhan Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Bandhan 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 9 Jan 26

DurationReturns
1 Month 0.4%
3 Month 1.4%
6 Month 2.8%
1 Year 7.3%
3 Year 7%
5 Year 5.6%
10 Year
15 Year
Since launch 6.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 7.2%
2022 6.7%
2021 4%
2020 2.9%
2019 5%
2018 6.7%
2017 6.2%
2016 6%
2015 8.1%
Fund Manager information for Bandhan Money Manager Fund
NameSinceTenure
Gautam Kaul1 Dec 214 Yr.
Brijesh Shah12 Jul 214.39 Yr.

Data below for Bandhan Money Manager Fund as on 30 Nov 25

Asset Allocation
Asset ClassValue
Cash87.92%
Debt11.86%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate44.98%
Cash Equivalent39.82%
Government14.98%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Union Bank of India
Domestic Bonds | -
4%₹583 Cr60,000,000
↑ 60,000,000
Treasury Bill
Sovereign Bonds | -
3%₹487 Cr50,000,000
↑ 50,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -
3%₹361 Cr36,000,000
Canara Bank
Domestic Bonds | -
2%₹345 Cr35,000,000
↑ 35,000,000
Bank of Baroda
Debentures | -
1%₹173 Cr17,500,000
364 Days Tbill Mat 200226
Sovereign Bonds | -
1%₹148 Cr15,000,000
India (Republic of)
- | -
1%₹148 Cr15,000,000
T-Bill
Sovereign Bonds | -
1%₹116 Cr11,861,000
↑ 11,861,000
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
1%₹99 Cr10,000,000
HDFC Bank Ltd.
Debentures | -
1%₹98 Cr10,000,000

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