SWP ਕੈਲਕੁਲੇਟਰ - ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਕੈਲਕੁਲੇਟਰ

Updated on September 8, 2026 , 39376 views

SWP ਕੈਲਕੁਲੇਟਰ ਇੱਕ ਅਜਿਹਾ ਸਾਧਨ ਹੈ ਜੋ ਵਿਅਕਤੀਆਂ ਦੀ ਇਹ ਗਣਨਾ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ ਕਿ ਉਹਨਾਂ ਦਾ SWP ਨਿਵੇਸ਼ ਕਾਰਜਕਾਲ ਵਿੱਚ ਕਿਵੇਂ ਹੋਵੇਗਾ। SWP ਜਾਂ ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਯੂਨਿਟਾਂ ਨੂੰ ਰੀਡੀਮ ਕਰਨ ਜਾਂ ਨਿਵੇਸ਼ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਇੱਕ ਤਕਨੀਕ ਹੈਮਿਉਚੁਅਲ ਫੰਡ. SWP ਵਿੱਚ, ਵਿਅਕਤੀ ਆਪਣੇ ਪੈਸੇ ਨੂੰ ਇੱਕ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਅਤੇ ਫਿਰ ਇੱਕ ਦਿੱਤੇ ਕਾਰਜਕਾਲ ਵਿੱਚ ਆਪਣੇ ਨਿਵੇਸ਼ ਵਾਪਸ ਲੈ ਲੈਂਦੇ ਹਨ। SWP ਆਮ ਤੌਰ 'ਤੇ ਉਹਨਾਂ ਵਿਅਕਤੀਆਂ ਲਈ ਢੁਕਵਾਂ ਹੁੰਦਾ ਹੈ ਜੋ ਇੱਕ ਨਿਸ਼ਚਿਤ ਦੀ ਭਾਲ ਕਰ ਰਹੇ ਹਨਆਮਦਨ ਇੱਕ ਨਿਯਮਤ ਕਾਰਜਕਾਲ ਵਿੱਚ. ਲੇਖ ਤੁਹਾਨੂੰ ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ, SWP ਕੈਲਕੁਲੇਟਰ ਕਿਵੇਂ ਕੰਮ ਕਰਦਾ ਹੈ, ਅਤੇ ਹੋਰ ਸੰਬੰਧਿਤ ਪੈਰਾਮੀਟਰਾਂ ਦੀ ਸੰਕਲਪ ਦੀ ਇੱਕ ਸੰਪੂਰਨ ਸਮਝ ਪ੍ਰਦਾਨ ਕਰਦਾ ਹੈ।

ਮਿਉਚੁਅਲ ਫੰਡ ਵਿੱਚ SWP ਦਾ ਕੀ ਅਰਥ ਹੈ?

ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਪ੍ਰਣਾਲੀਗਤ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਜਾਂ SWP ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਦੀਆਂ ਇਕਾਈਆਂ ਨੂੰ ਰੀਡੀਮ ਕਰਨ ਦੀ ਇੱਕ ਯੋਜਨਾਬੱਧ ਅਤੇ ਯੋਜਨਾਬੱਧ ਪ੍ਰਕਿਰਿਆ ਦਾ ਹਵਾਲਾ ਦਿੰਦਾ ਹੈ। SWP ਦੀ ਧਾਰਨਾ ਦੇ ਉਲਟ ਤਰੀਕੇ ਨਾਲ ਕੰਮ ਕਰਦੀ ਹੈSIP. SWP ਵਿੱਚ, ਵਿਅਕਤੀ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਵਿੱਚ ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜੋ ਆਮ ਤੌਰ 'ਤੇ ਘੱਟ ਜੋਖਮ-ਭੁੱਖ ਰੱਖਦੇ ਹਨ, ਜਿਵੇਂ ਕਿਤਰਲ ਫੰਡ ਜਾਂ ਅਤਿਛੋਟੀ ਮਿਆਦ ਦੇ ਫੰਡ. ਵਿਅਕਤੀ ਫਿਰ ਨਿਯਮਤ ਅੰਤਰਾਲਾਂ 'ਤੇ ਨਿਵੇਸ਼ ਕੀਤੀ ਰਕਮ ਨੂੰ ਵਾਪਸ ਲੈਣਾ ਸ਼ੁਰੂ ਕਰ ਦਿੰਦੇ ਹਨ। ਵਿਅਕਤੀ ਆਪਣੀਆਂ ਜ਼ਰੂਰਤਾਂ ਦੇ ਆਧਾਰ 'ਤੇ ਆਪਣੀ ਕਢਵਾਉਣ ਦੀ ਬਾਰੰਬਾਰਤਾ ਨੂੰ ਅਨੁਕੂਲਿਤ ਕਰ ਸਕਦੇ ਹਨ ਜਿਵੇਂ ਕਿ ਮਹੀਨਾਵਾਰ, ਤਿਮਾਹੀ, ਸਾਲਾਨਾ, ਅਤੇ ਇਸ ਤਰ੍ਹਾਂ ਹੋਰ। ਇਸ ਸਥਿਤੀ ਵਿੱਚ, ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤਾ ਪੈਸਾ ਵੀ ਵਿਅਕਤੀਆਂ ਲਈ ਮਾਲੀਆ ਪ੍ਰਾਪਤ ਕਰਦਾ ਹੈ। ਵਿਅਕਤੀ, ਖਾਸ ਤੌਰ 'ਤੇ ਸੇਵਾਮੁਕਤ ਵਿਅਕਤੀ, ਜੋ ਆਮਦਨੀ ਦੇ ਨਿਯਮਤ ਸਰੋਤ ਦੀ ਭਾਲ ਕਰ ਰਹੇ ਹਨ, ਦੁਆਰਾ ਪ੍ਰਣਾਲੀਗਤ ਨਿਕਾਸੀ ਯੋਜਨਾ ਦੀ ਚੋਣ ਕਰਨ ਦੀ ਚੋਣ ਕਰ ਸਕਦੇ ਹਨਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ.

SWP ਮਿਉਚੁਅਲ ਫੰਡ ਕੈਲਕੁਲੇਟਰ

SWP ਕੈਲਕੁਲੇਟਰ ਵਿਅਕਤੀਆਂ ਦੀ ਇੱਕ ਦਿੱਤੇ ਕਾਰਜਕਾਲ ਵਿੱਚ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਵਿੱਚ ਉਹਨਾਂ ਦੇ ਨਿਕਾਸੀ ਦਾ ਅੰਦਾਜ਼ਾ ਲਗਾਉਣ ਵਿੱਚ ਮਦਦ ਕਰਦਾ ਹੈ। SWP ਕੈਲਕੁਲੇਟਰ ਵਿੱਚ ਦਾਖਲ ਕੀਤੇ ਜਾਣ ਲਈ ਲੋੜੀਂਦੇ ਇੰਪੁੱਟ ਡੇਟਾ ਵਿੱਚ ਸ਼ਾਮਲ ਹਨ:

SWP/ਕਢਵਾਉਣ ਦੀ ਰਕਮ - ਇਹ ਨਿਸ਼ਚਿਤ ਨਿਕਾਸੀ ਰਕਮ ਨੂੰ ਦਰਸਾਉਂਦਾ ਹੈ ਜੋ ਤੁਸੀਂ ਨਿਯਮਤ ਅੰਤਰਾਲਾਂ 'ਤੇ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹੋ।
ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ - ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਨੂੰ ਦਰਸਾਉਂਦਾ ਹੈ ਜੋ ਤੁਸੀਂ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹੋ।
ਕਢਵਾਉਣ ਦੀ ਬਾਰੰਬਾਰਤਾ - ਕਢਵਾਉਣ ਦੀ ਬਾਰੰਬਾਰਤਾ, ਉਸ ਸਮਾਂ-ਸੀਮਾ ਨੂੰ ਦਰਸਾਉਂਦੀ ਹੈ ਜਿਸ 'ਤੇ ਤੁਸੀਂ ਆਪਣਾ ਨਿਵੇਸ਼ ਵਾਪਸ ਲੈਣਾ ਚਾਹੁੰਦੇ ਹੋ। ਇਹ ਜਾਂ ਤਾਂ ਮਾਸਿਕ, ਹਫ਼ਤਾਵਾਰੀ, ਜਾਂ ਤਿਮਾਹੀ ਹੋ ਸਕਦਾ ਹੈ। ਆਮ ਤੌਰ 'ਤੇ ਗਣਨਾ ਮਾਸਿਕ ਲਈ ਕੀਤੀ ਜਾਂਦੀ ਹੈ।
ਰਿਟਰਨ ਦੀ ਸੰਭਾਵਿਤ ਦਰ - ਇਸਦਾ ਮਤਲਬ ਹੈ ਉਹ ਰਿਟਰਨ ਜੋ ਤੁਸੀਂ ਆਪਣੇ ਨਿਵੇਸ਼ 'ਤੇ ਉਮੀਦ ਕਰ ਰਹੇ ਹੋ।

ਇਸ ਲਈ, ਆਓ ਅਸੀਂ ਇੱਕ ਦ੍ਰਿਸ਼ਟਾਂਤ ਦੇ ਨਾਲ SWP ਕੈਲਕੁਲੇਟਰ ਦੀ ਧਾਰਨਾ ਨੂੰ ਵਿਸਤ੍ਰਿਤ ਸਮਝੀਏ।

ਨਮੂਨਾ ਦ੍ਰਿਸ਼ਟਾਂਤ

ਸ਼ੁਰੂਆਤੀ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ - 1.20 ਰੁਪਏ,000
SWP ਰਕਮ - 10,000 ਰੁਪਏ
ਵਾਪਿਸ ਲੈਣ ਦੀ ਮਿਆਦ - 12 ਮਹੀਨੇ
ਵਾਪਸੀ ਦੀ ਉਮੀਦ ਕੀਤੀ ਦਰ - 7%

SWP ਸਾਰਣੀ ਦੀ ਗਣਨਾ ਹੇਠਾਂ ਦਿੱਤੀ ਗਈ ਹੈ।

ਮਹੀਨਾ	ਮਹੀਨੇ ਦੀ ਸ਼ੁਰੂਆਤ ਵਿੱਚ ਬਕਾਇਆ (INR)	ਛੁਟਕਾਰਾ ਰਕਮ (INR)	ਵਿਆਜ ਕਮਾਇਆ (INR)	ਮਹੀਨੇ ਦੇ ਅੰਤ ਵਿੱਚ ਬਕਾਇਆ (INR)
1	1,20,000	10,000	642	1,10,642 ਹੈ
2	1,10,642 ਹੈ	10,000	587	1,01,229
3	1,01,229	10,000	532	91,761 ਹੈ
4	91,761 ਹੈ	10,000	477	82,238 ਹੈ
5	82,238 ਹੈ	10,000	421	72,659 ਹੈ
6	72,659 ਹੈ	10,000	366	63,025 ਹੈ
7	63,025 ਹੈ	10,000	309	53,334 ਹੈ
8	53,334 ਹੈ	10,000	253	43,587 ਹੈ
9	43,587 ਹੈ	10,000	196	33,783 ਹੈ
10	33,783 ਹੈ	10,000	139	23,921 ਹੈ
11	23,921 ਹੈ	10,000	81	14,003
12	14,003	10,000	23	4,026 ਹੈ

ਇਸ ਤਰ੍ਹਾਂ, ਉਪਰੋਕਤ ਸਾਰਣੀ ਤੋਂ, ਇਹ ਕਿਹਾ ਜਾ ਸਕਦਾ ਹੈ ਕਿ SWP ਟ੍ਰਾਂਜੈਕਸ਼ਨ ਦੁਆਰਾ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ ਦਾ ਮੁਨਾਫਾ INR 4,026 ਹੈ।

SWP Calculator

VALUE AT END OF TENOR:₹4,597

ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਦੇ ਲਾਭ

SWP ਦੇ ਕੁਝ ਪ੍ਰਮੁੱਖ ਫਾਇਦੇ ਹੇਠ ਲਿਖੇ ਅਨੁਸਾਰ ਹਨ।

ਨਿਯਮਤ ਆਮਦਨ ਦਾ ਪ੍ਰਵਾਹ

SWP ਦੇ ਮੁਢਲੇ ਫਾਇਦਿਆਂ ਵਿੱਚੋਂ ਇੱਕ ਇਹ ਹੈ ਕਿ ਵਿਅਕਤੀ ਨਿਯਮਤ ਆਮਦਨ ਦੇ ਇੱਕ ਸਰੋਤ ਵਜੋਂ ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਦੀ ਵਰਤੋਂ ਕਰ ਸਕਦੇ ਹਨ। ਇਹ ਇਸ ਲਈ ਹੈ ਕਿਉਂਕਿ ਕਢਵਾਈ ਗਈ ਰਕਮ ਸਥਿਰ ਰਹਿੰਦੀ ਹੈ।

ਅਨੁਸ਼ਾਸਿਤ ਕਢਵਾਉਣ ਦੀ ਆਦਤ

SWP ਵਿਅਕਤੀਆਂ ਵਿੱਚ ਇੱਕ ਅਨੁਸ਼ਾਸਿਤ ਪੈਸੇ ਕਢਵਾਉਣ ਦੀ ਆਦਤ ਪੈਦਾ ਕਰਦਾ ਹੈ ਕਿਉਂਕਿ ਸਿਰਫ਼ ਇੱਕ ਨਿਸ਼ਚਿਤ ਰਕਮ ਕਢਵਾਈ ਜਾਂਦੀ ਹੈ ਅਤੇ ਬਾਕੀ ਪੈਸੇ ਨੂੰ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈ। ਇਹ ਰੋਕਦਾ ਹੈਪੂੰਜੀ ਨਿਵੇਸ਼ 'ਤੇ ਕਟੌਤੀ. ਨਾਲ ਹੀ, ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਰਿਟਰਨ ਪੈਦਾ ਕਰਦਾ ਹੈ।

ਪੈਨਸ਼ਨ ਦਾ ਬਦਲ

ਸੇਵਾਮੁਕਤ ਵਿਅਕਤੀਆਂ ਦੇ ਮਾਮਲੇ ਵਿੱਚ SWP ਪੈਨਸ਼ਨ ਦੇ ਬਦਲ ਵਜੋਂ ਕੰਮ ਕਰਦਾ ਹੈ। ਸੇਵਾਮੁਕਤ ਵਿਅਕਤੀ SWP ਦੁਆਰਾ ਨਿਯਮਤ ਆਮਦਨ ਲਈ ਆਪਣੇ ਆਪ ਨੂੰ ਯਕੀਨੀ ਬਣਾ ਸਕਦੇ ਹਨ।

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2022 ਲਈ ਸਰਬੋਤਮ SWP ਮਿਉਚੁਅਲ ਫੰਡ

SWP ਆਮ ਤੌਰ 'ਤੇ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਵਿੱਚ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਜੋ ਤਰਲ ਫੰਡਾਂ ਵਰਗੇ ਘੱਟ ਪੱਧਰ ਦਾ ਜੋਖਮ ਲੈਂਦੀਆਂ ਹਨ। ਇਸ ਲਈ, ਤਰਲ / ਅਲਟਰਾਸ਼ੌਰਟ ਸ਼੍ਰੇਣੀ ਦੇ ਅਧੀਨ ਕੁਝ ਸਭ ਤੋਂ ਵਧੀਆ ਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮਾਂ ਜਿਨ੍ਹਾਂ ਦੀ ਸ਼ੁੱਧ ਜਾਇਦਾਦ ਨਾਲੋਂ ਵੱਧ ਹੈ1000 ਕਰੋੜ ਹੇਠ ਦਿੱਤੇ ਅਨੁਸਾਰ ਸੂਚੀਬੱਧ ਹਨ.

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 Savings Fund Growth	₹591.83 ↑ 0.03	₹18,189	1.9	3.5	6.5	7.3	7.4	7.45%	5M 26D	6M 18D
Axis Liquid Fund Growth	₹3,130.95 ↑ 0.47	₹56,438	1.7	3.5	6.5	6.9	6.6	6.47%	2M 5D	2M 5D
BOI AXA Liquid Fund Growth	₹3,238.28 ↑ 0.55	₹1,728	1.7	3.5	6.5	7	6.6	6.26%	1M 13D	1M 13D
Edelweiss Liquid Fund Growth	₹3,595.51 ↑ 0.60	₹13,796	1.7	3.5	6.5	6.9	6.5	6.33%	2M 2D	2M 2D
DSP Liquidity Fund Growth	₹4,013.12 ↑ 0.65	₹22,962	1.7	3.5	6.5	6.9	6.5	6.45%	2M 5D	2M 8D
Invesco India Liquid Fund Growth	₹3,863.14 ↑ 0.61	₹20,723	1.7	3.5	6.5	6.9	6.5	6.32%	1M 11D	1M 11D
Aditya Birla Sun Life Liquid Fund Growth	₹452.89 ↑ 0.08	₹68,800	1.7	3.5	6.5	6.9	6.5	6.49%	2M 5D	2M 5D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Sep 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Axis Liquid Fund	BOI AXA Liquid Fund	Edelweiss Liquid Fund	DSP Liquidity Fund	Invesco India Liquid Fund	Aditya Birla Sun Life Liquid Fund
Point 1	Lower mid AUM (₹18,189 Cr).	Upper mid AUM (₹56,438 Cr).	Bottom quartile AUM (₹1,728 Cr).	Bottom quartile AUM (₹13,796 Cr).	Upper mid AUM (₹22,962 Cr).	Lower mid AUM (₹20,723 Cr).	Highest AUM (₹68,800 Cr).
Point 2	Oldest track record among peers (23 yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Established history (19+ yrs).	Established history (22+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).
Point 4	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: 6.51% (top quartile).	1Y return: 6.51% (upper mid).	1Y return: 6.51% (upper mid).	1Y return: 6.50% (lower mid).	1Y return: 6.47% (lower mid).	1Y return: 6.46% (bottom quartile).	1Y return: 6.46% (bottom quartile).
Point 6	1M return: 0.61% (top quartile).	1M return: 0.55% (bottom quartile).	1M return: 0.57% (upper mid).	1M return: 0.56% (lower mid).	1M return: 0.55% (bottom quartile).	1M return: 0.56% (upper mid).	1M return: 0.55% (lower mid).
Point 7	Sharpe: 0.81 (bottom quartile).	Sharpe: 2.57 (upper mid).	Sharpe: 2.77 (top quartile).	Sharpe: 2.51 (upper mid).	Sharpe: 2.50 (lower mid).	Sharpe: 2.42 (lower mid).	Sharpe: 2.40 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 2.18 (top quartile).	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): 7.45% (top quartile).	Yield to maturity (debt): 6.47% (upper mid).	Yield to maturity (debt): 6.26% (bottom quartile).	Yield to maturity (debt): 6.33% (lower mid).	Yield to maturity (debt): 6.45% (lower mid).	Yield to maturity (debt): 6.32% (bottom quartile).	Yield to maturity (debt): 6.49% (upper mid).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.12 yrs (upper mid).	Modified duration: 0.17 yrs (upper mid).	Modified duration: 0.18 yrs (lower mid).	Modified duration: 0.12 yrs (top quartile).	Modified duration: 0.18 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹18,189 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.51% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 0.81 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).

Axis Liquid Fund

Upper mid AUM (₹56,438 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.51% (upper mid).
1M return: 0.55% (bottom quartile).
Sharpe: 2.57 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.47% (upper mid).
Modified duration: 0.18 yrs (bottom quartile).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,728 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.51% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 2.77 (top quartile).
Information ratio: 2.18 (top quartile).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).

Edelweiss Liquid Fund

Bottom quartile AUM (₹13,796 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.50% (lower mid).
1M return: 0.56% (lower mid).
Sharpe: 2.51 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.33% (lower mid).
Modified duration: 0.17 yrs (upper mid).

DSP Liquidity Fund

Upper mid AUM (₹22,962 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.47% (lower mid).
1M return: 0.55% (bottom quartile).
Sharpe: 2.50 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.45% (lower mid).
Modified duration: 0.18 yrs (lower mid).

Invesco India Liquid Fund

Lower mid AUM (₹20,723 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.56% (upper mid).
Sharpe: 2.42 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.32% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹68,800 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.40 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (upper mid).
Modified duration: 0.18 yrs (lower mid).

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹18,189 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.51% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 0.81 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~45%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.2%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (10 Sep 26)	₹591.83 ↑ 0.03 (0.00 %)
Net Assets (Cr)	₹18,189 on 31 Jul 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	0.81
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,392
31 Aug 23	₹11,106
31 Aug 24	₹11,931
31 Aug 25	₹12,877
31 Aug 26	₹13,697

Aditya Birla Sun Life Savings 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 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 10 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.5%
1 Year	6.5%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	44.74%
Debt	55.26%

Debt Sector Allocation

Sector	Value
Corporate	62.79%
Cash Equivalent	21.61%
Government	15.59%

Credit Quality

Rating	Value
AA	33.23%
AAA	66.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹846 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹736 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹532 Cr	52,500
Vedanta Limited Debentures \| -	2%	₹451 Cr	44,500 ↑ 12,000
HDFC Bank Ltd. Debentures \| -	2%	₹447 Cr	9,000 ↑ 9,000
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹324 Cr	32,500 ↓ -2,500
Mankind Pharma Limited Debentures \| -	2%	₹321 Cr	32,000
Avanse Financial Services Limited Debentures \| -	1%	₹299 Cr	30,000
Piramal Finance Limited Debentures \| -	1%	₹281 Cr	28,000 ↓ -500

2. 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

Upper mid AUM (₹56,438 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.51% (upper mid).
1M return: 0.55% (bottom quartile).
Sharpe: 2.57 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.47% (upper mid).
Modified duration: 0.18 yrs (bottom quartile).
Average maturity: 0.18 yrs (lower mid).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd (~7.7%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (10 Sep 26)	₹3,130.95 ↑ 0.47 (0.02 %)
Net Assets (Cr)	₹56,438 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.57
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.47%
Effective Maturity	2 Months 5 Days
Modified Duration	2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,390
31 Aug 23	₹11,092
31 Aug 24	₹11,909
31 Aug 25	₹12,741
31 Aug 26	₹13,562

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 10 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.5%
3 Year	6.9%
5 Year	6.3%
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	13.75 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 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	98.96%
Debt	0.83%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	76.25%
Corporate	12.79%
Government	10.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	8%	₹4,613 Cr
India (Republic of) - \| -	5%	₹2,987 Cr	300,000,000
HDFC Bank Ltd. Debentures \| -	3%	₹1,979 Cr	40,000
Export-Import Bank Of India Commercial Paper \| -	3%	₹1,620 Cr	32,500 ↓ -3,000
India (Republic of) - \| -	2%	₹1,462 Cr	147,500,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,319 Cr	26,500
HDFC Bank Ltd. Debentures \| -	2%	₹1,293 Cr	26,000
Indian Bank Certificate of Deposit \| -	2%	₹1,195 Cr	24,000 ↑ 24,000
Hindustan Petroleum Corp Ltd. Domestic Bonds \| -	2%	₹1,191 Cr	24,000
Canara Bank Certificate of Deposit \| -	2%	₹1,172 Cr	23,500 ↑ 23,500

3. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for BOI AXA Liquid Fund

Bottom quartile AUM (₹1,728 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.51% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 2.77 (top quartile).
Information ratio: 2.18 (top quartile).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.12 yrs (upper mid).
Average maturity: 0.12 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.6%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (10 Sep 26)	₹3,238.28 ↑ 0.55 (0.02 %)
Net Assets (Cr)	₹1,728 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	2.77
Information Ratio	2.18
Alpha Ratio	0.1
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.26%
Effective Maturity	1 Month 13 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,396
31 Aug 23	₹11,099
31 Aug 24	₹11,921
31 Aug 25	₹12,755
31 Aug 26	₹13,575

BOI AXA 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 BOI AXA 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 10 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.5%
3 Year	7%
5 Year	6.3%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	5.04 Yr.

Data below for BOI AXA Liquid Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	99.68%
Other	0.32%

Debt Sector Allocation

Sector	Value
Cash Equivalent	63.21%
Corporate	19.01%
Government	17.47%

Credit Quality

Rating	Value
AA	1.47%
AAA	98.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹100 Cr	10,000,000
India (Republic of) - \| -	6%	₹99 Cr	10,000,000 ↑ 10,000,000
India (Republic of) - \| -	3%	₹54 Cr	5,400,000
India (Republic of) - \| -	3%	₹53 Cr	5,350,000
Bajaj Financial Securities Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
Godrej Agrovet Ltd. Commercial Paper \| -	3%	₹50 Cr	5,000,000
Indian Bank Certificate of Deposit \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
Poonawalla Fincorp Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹50 Cr	5,000,000
Small Industries Development Bank of India Commercial Paper \| -	3%	₹50 Cr	5,000,000

4. Edelweiss Liquid Fund

The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for Edelweiss Liquid Fund

Bottom quartile AUM (₹13,796 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.50% (lower mid).
1M return: 0.56% (lower mid).
Sharpe: 2.51 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.33% (lower mid).
Modified duration: 0.17 yrs (upper mid).
Average maturity: 0.17 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~7.3%).

Below is the key information for Edelweiss Liquid Fund

Edelweiss Liquid Fund Growth
Launch Date	21 Sep 07
NAV (10 Sep 26)	₹3,595.51 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹13,796 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	Edelweiss Asset Management Limited
Rating	☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	2.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.33%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,368
31 Aug 23	₹11,050
31 Aug 24	₹11,854
31 Aug 25	₹12,677
31 Aug 26	₹13,492

Edelweiss 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 Edelweiss 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 10 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.5%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	6.9%
2022	4.7%
2021	3.2%
2020	4.1%
2019	6.6%
2018	7.4%
2017	6.6%
2016	6.8%

Fund Manager information for Edelweiss Liquid Fund

Name	Since	Tenure
Rahul Dedhia	11 Dec 17	8.64 Yr.
Hetul Raval	22 Sep 25	0.86 Yr.

Data below for Edelweiss Liquid Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	71.74%
Corporate	14.83%
Government	13.18%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	7%	₹945 Cr	95,000,000
Reverse Repo CBLO/Reverse Repo \| -	4%	₹572 Cr
India (Republic of) - \| -	4%	₹519 Cr	52,500,000 ↑ 7,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹398 Cr	40,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹373 Cr	37,500,000 ↑ 12,500,000
India (Republic of) - \| -	3%	₹349 Cr	35,000,000
Union Bank Of India Certificate of Deposit \| -	2%	₹299 Cr	30,000,000 ↑ 30,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹299 Cr	30,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹297 Cr	30,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹296 Cr	30,000,000 ↑ 30,000,000

5. DSP Liquidity Fund

The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts

Research Highlights for DSP Liquidity Fund

Upper mid AUM (₹22,962 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.47% (lower mid).
1M return: 0.55% (bottom quartile).
Sharpe: 2.50 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.45% (lower mid).
Modified duration: 0.18 yrs (lower mid).
Average maturity: 0.19 yrs (bottom quartile).
Exit load: NIL.
Top sector: Communication Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps / Reverse Repo Investments / Corporate Debt Repo (~7.6%).

Below is the key information for DSP Liquidity Fund

DSP Liquidity Fund Growth
Launch Date	23 Nov 05
NAV (10 Sep 26)	₹4,013.12 ↑ 0.65 (0.02 %)
Net Assets (Cr)	₹22,962 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.21
Sharpe Ratio	2.5
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.45%
Effective Maturity	2 Months 8 Days
Modified Duration	2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,387
31 Aug 23	₹11,080
31 Aug 24	₹11,892
31 Aug 25	₹12,718
31 Aug 26	₹13,534

DSP Liquidity 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 DSP Liquidity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	6.5%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.4%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.5%
2018	7.4%
2017	6.6%
2016	7.6%

Fund Manager information for DSP Liquidity Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5.25 Yr.
Shalini Vasanta	1 Aug 24	2.08 Yr.
Kunal Khudania	1 Jan 26	0.66 Yr.

Data below for DSP Liquidity Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	97.59%
Debt	2.41%

Debt Sector Allocation

Sector	Value
Cash Equivalent	68.83%
Corporate	19.68%
Government	11.49%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps / Reverse Repo Investments / Corporate Debt Repo Sovereign Bonds \| -	8%	₹2,224 Cr
India (Republic of) - \| -	3%	₹893 Cr	89,500,000
India (Republic of) - \| -	2%	₹650 Cr	65,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹498 Cr	10,000 ↓ -500
Canara Bank Certificate of Deposit \| -	2%	₹498 Cr	10,000 ↑ 3,500
HDFC Bank Limited Certificate of Deposit \| -	2%	₹493 Cr	10,000 ↑ 10,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹448 Cr	9,000
India (Republic of) - \| -	2%	₹447 Cr	45,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹446 Cr	9,000 ↑ 9,000
Union Bank Of India Certificate of Deposit \| -	1%	₹399 Cr	8,000 ↑ 8,000

6. Invesco India Liquid Fund

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities.

Research Highlights for Invesco India Liquid Fund

Lower mid AUM (₹20,723 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.56% (upper mid).
Sharpe: 2.42 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.32% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).
Average maturity: 0.12 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Reverse Repo (~5.3%).

Below is the key information for Invesco India Liquid Fund

Invesco India Liquid Fund Growth
Launch Date	17 Nov 06
NAV (10 Sep 26)	₹3,863.14 ↑ 0.61 (0.02 %)
Net Assets (Cr)	₹20,723 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	2.42
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.32%
Effective Maturity	1 Month 11 Days
Modified Duration	1 Month 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,386
31 Aug 23	₹11,080
31 Aug 24	₹11,894
31 Aug 25	₹12,720
31 Aug 26	₹13,533

Invesco India 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 Invesco India 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 10 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.5%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.4%
2023	7%
2022	4.8%
2021	3.3%
2020	4.1%
2019	6.5%
2018	7.4%
2017	6.7%
2016	7.6%

Fund Manager information for Invesco India Liquid Fund

Name	Since	Tenure
Krishna Cheemalapati	25 Apr 11	15.28 Yr.
Kunal Jain	2 Apr 26	0.33 Yr.

Data below for Invesco India Liquid Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	99.28%
Debt	0.49%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	72.85%
Corporate	16.61%
Government	10.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	5%	₹1,089 Cr	108,904,538 ↑ 53,845,308
India (Republic of) - \| -	4%	₹720 Cr	72,500,000 ↑ 5,000,000
India (Republic of) - \| -	3%	₹645 Cr	65,000,000
Small Industries Development Bank of India Commercial Paper \| -	2%	₹498 Cr	50,000,000
Can Fin Homes Ltd. Commercial Paper \| -	2%	₹497 Cr	50,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹494 Cr	50,000,000 ↑ 20,000,000
Sundaram Finance Ltd. Commercial Paper \| -	2%	₹493 Cr	50,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹448 Cr	45,000,000 ↑ 12,500,000
08/10/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹447 Cr	45,000,000 ↑ 35,000,000
Bank Of Baroda Certificate of Deposit \| -	2%	₹394 Cr	40,000,000 ↑ 40,000,000

7. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Research Highlights for Aditya Birla Sun Life Liquid Fund

Highest AUM (₹68,800 Cr).
Established history (22+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.46% (bottom quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.40 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (upper mid).
Modified duration: 0.18 yrs (lower mid).
Average maturity: 0.18 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Receivable / Payable (~7.2%).

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (10 Sep 26)	₹452.89 ↑ 0.08 (0.02 %)
Net Assets (Cr)	₹68,800 on 31 Jul 26
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	2.4
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	2 Months 5 Days
Modified Duration	2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Aug 21	₹10,000
31 Aug 22	₹10,386
31 Aug 23	₹11,088
31 Aug 24	₹11,901
31 Aug 25	₹12,725
31 Aug 26	₹13,540

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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 10 Sep 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	6.5%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7.1%
2022	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	15.06 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Sanjay Pawar	1 Jul 22	4.09 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Jul 26

Asset Allocation

Asset Class	Value
Cash	98.62%
Debt	1.38%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.33%
Corporate	22.65%
Government	10.02%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivable / Payable CBLO \| -	7%	-₹4,786 Cr
India (Republic of) - \| -	3%	₹2,274 Cr	230,000,000 ↑ 230,000,000
Union Bank Of India Certificate of Deposit \| -	3%	₹1,935 Cr	39,000 ↑ 39,000
Tbill Sovereign Bonds \| -	3%	₹1,807 Cr	181,000,000 ↑ 181,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,543 Cr	31,000 ↑ 2,500
City Union Bank Limited Certificate of Deposit \| -	2%	₹1,194 Cr	24,000 ↑ 24,000
India (Republic of) - \| -	2%	₹1,160 Cr	117,500,000 ↑ 117,500,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,134 Cr	23,000 ↑ 23,000
Union Bank Of India Certificate of Deposit \| -	1%	₹997 Cr	20,000 ↑ 20,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	1%	₹996 Cr	20,000

Disclaimer:
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।