+91-22-48913909SWP ਕੈਲਕੁਲੇਟਰ - ਸਿਸਟਮੈਟਿਕ ਕਢਵਾਉਣ ਦੀ ਯੋਜਨਾ ਕੈਲਕੁਲੇਟਰ
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।
VALUE AT END OF TENOR:₹4,597SWP Calculator
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 BOI AXA Liquid Fund Growth ₹3,257.84
↑ 0.15 ₹1,874 1.5 3.2 6.4 6.9 6.6 6.09% 1M 17D 1M 17D Axis Liquid Fund Growth ₹3,149.61
↑ 0.03 ₹53,470 1.5 3.1 6.4 6.9 6.6 6.37% 1M 19D 1M 19D Edelweiss Liquid Fund Growth ₹3,617
↑ 0.05 ₹11,741 1.5 3.1 6.4 6.8 6.5 6.52% 2M 1D 2M 1D DSP Liquidity Fund Growth ₹4,036.68
↓ -0.19 ₹24,726 1.5 3.1 6.4 6.8 6.5 6.24% 1M 2D UTI Liquid Cash Plan Growth ₹463.828
↑ 0.01 ₹27,453 1.5 3.1 6.4 6.8 6.5 6.39% 1M 19D 1M 19D Invesco India Liquid Fund Growth ₹3,885.67
↓ -0.18 ₹22,395 1.5 3.1 6.4 6.8 6.5 6.35% 1M 17D 1M 17D PGIM India Insta Cash Fund Growth ₹368.049
↑ 0.03 ₹1,438 1.5 3.1 6.4 6.8 6.5 6.15% 1M 10D 1M 10D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Oct 26 Research Highlights & Commentary of 7 Funds showcased
Commentary BOI AXA Liquid Fund Axis Liquid Fund Edelweiss Liquid Fund DSP Liquidity Fund UTI Liquid Cash Plan Invesco India Liquid Fund PGIM India Insta Cash Fund Point 1 Bottom quartile AUM (₹1,874 Cr). Highest AUM (₹53,470 Cr). Lower mid AUM (₹11,741 Cr). Upper mid AUM (₹24,726 Cr). Upper mid AUM (₹27,453 Cr). Lower mid AUM (₹22,395 Cr). Bottom quartile AUM (₹1,438 Cr). Point 2 Established history (18+ yrs). Established history (17+ yrs). Established history (19+ yrs). Established history (20+ yrs). Oldest track record among peers (22 yrs). Established history (19+ yrs). Established history (19+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Top rated. Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.45% (top quartile). 1Y return: 6.45% (upper mid). 1Y return: 6.43% (upper mid). 1Y return: 6.41% (lower mid). 1Y return: 6.40% (lower mid). 1Y return: 6.39% (bottom quartile). 1Y return: 6.39% (bottom quartile). Point 6 1M return: 0.45% (upper mid). 1M return: 0.44% (lower mid). 1M return: 0.44% (lower mid). 1M return: 0.43% (bottom quartile). 1M return: 0.44% (upper mid). 1M return: 0.43% (bottom quartile). 1M return: 0.45% (top quartile). Point 7 Sharpe: 3.52 (top quartile). Sharpe: 3.18 (upper mid). Sharpe: 3.04 (bottom quartile). Sharpe: 3.10 (lower mid). Sharpe: 3.12 (upper mid). Sharpe: 3.08 (lower mid). Sharpe: 3.02 (bottom quartile). Point 8 Information ratio: 2.55 (top quartile). 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). Information ratio: 1.28 (upper mid). Point 9 Yield to maturity (debt): 6.09% (bottom quartile). Yield to maturity (debt): 6.37% (upper mid). Yield to maturity (debt): 6.52% (top quartile). Yield to maturity (debt): 6.24% (lower mid). Yield to maturity (debt): 6.39% (upper mid). Yield to maturity (debt): 6.35% (lower mid). Yield to maturity (debt): 6.15% (bottom quartile). Point 10 Modified duration: 0.13 yrs (upper mid). Modified duration: 0.14 yrs (lower mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.14 yrs (bottom quartile). Modified duration: 0.13 yrs (lower mid). Modified duration: 0.11 yrs (upper mid). BOI AXA Liquid Fund
Axis Liquid Fund
Edelweiss Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
PGIM India Insta Cash 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. Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on 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 Below is the key information for Axis Liquid Fund Returns up to 1 year are on 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 Below is the key information for Edelweiss Liquid Fund Returns up to 1 year are on 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 Below is the key information for DSP Liquidity Fund Returns up to 1 year are on The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt. Research Highlights for UTI Liquid Cash Plan Below is the key information for UTI Liquid Cash Plan Returns up to 1 year are on 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 Below is the key information for Invesco India Liquid Fund Returns up to 1 year are on (Erstwhile DHFL Pramerica Insta Cash Plus Fund) To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments. Research Highlights for PGIM India Insta Cash Fund Below is the key information for PGIM India Insta Cash Fund Returns up to 1 year are on 1. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (21 Oct 26) ₹3,257.84 ↑ 0.15 (0.00 %) Net Assets (Cr) ₹1,874 on 30 Sep 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.52 Information Ratio 2.55 Alpha Ratio 0.11 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.09% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,415 30 Sep 23 ₹11,134 30 Sep 24 ₹11,963 30 Sep 25 ₹12,784 30 Sep 26 ₹13,609 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.2% 1 Year 6.4% 3 Year 6.9% 5 Year 6.4% 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 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 64.18% Corporate 20.56% Government 15.03% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹99 Cr 10,000,000 National Bank For Agriculture And Rural Development
Certificate of Deposit | -4% ₹99 Cr 10,000,000
↑ 10,000,000 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹75 Cr 7,500,000 India (Republic of)
- | -3% ₹74 Cr 7,500,000
↑ 7,500,000 26/11/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹74 Cr 7,500,000
↑ 7,500,000 Aditya Birla Housing Finance Ltd.
Commercial Paper | -3% ₹74 Cr 7,500,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹69 Cr 7,000,000
↑ 7,000,000 Days T-Bill
Sovereign Bonds | -3% ₹64 Cr 6,500,000
↑ 6,500,000 Repo
CBLO/Reverse Repo | -2% ₹58 Cr Rec Limited
Commercial Paper | -2% ₹50 Cr 5,000,000 2. Axis Liquid Fund
Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (21 Oct 26) ₹3,149.61 ↑ 0.03 (0.00 %) Net Assets (Cr) ₹53,470 on 30 Sep 26 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 3.18 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.37% Effective Maturity 1 Month 19 Days Modified Duration 1 Month 19 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,409 30 Sep 23 ₹11,128 30 Sep 24 ₹11,951 30 Sep 25 ₹12,770 30 Sep 26 ₹13,594 Returns for Axis Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.9% 5 Year 6.4% 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 13.83 Yr. Aditya Pagaria 13 Aug 16 10.06 Yr. Sachin Jain 3 Jul 23 3.17 Yr. Data below for Axis Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 83.29% Government 9.55% Corporate 6.95% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd
CBLO | -13% ₹7,999 Cr India (Republic of)
- | -5% ₹2,850 Cr 285,000,000 HDFC Bank Ltd.
Debentures | -3% ₹1,991 Cr 40,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹1,629 Cr 33,000
↑ 33,000 Hindustan Petroleum Corporation Limited
Commercial Paper | -3% ₹1,547 Cr 31,000
↑ 7,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹1,481 Cr 30,000 India (Republic of)
- | -2% ₹1,469 Cr 147,500,000 LIC Housing Finance Ltd.
Commercial Paper | -2% ₹1,189 Cr 24,000
↑ 24,000 India (Republic of)
- | -2% ₹996 Cr 100,500,000 HDFC Bank Ltd.
Debentures | -2% ₹994 Cr 20,000 3. Edelweiss Liquid Fund
Edelweiss Liquid Fund
Growth Launch Date 21 Sep 07 NAV (21 Oct 26) ₹3,617 ↑ 0.05 (0.00 %) Net Assets (Cr) ₹11,741 on 30 Sep 26 Category Debt - Liquid Fund AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 3.04 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.52% Effective Maturity 2 Months 1 Day Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,387 30 Sep 23 ₹11,085 30 Sep 24 ₹11,896 30 Sep 25 ₹12,708 30 Sep 26 ₹13,525 Returns for Edelweiss Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 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 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 8.73 Yr. Hetul Raval 22 Sep 25 0.94 Yr. Data below for Edelweiss Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 81.32% Government 9.45% Corporate 9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd.
CBLO | -7% ₹951 Cr Reverse Repo
CBLO/Reverse Repo | -7% ₹929 Cr 91 Days Tbill Red 10-12-2026
Sovereign Bonds | -5% ₹741 Cr 75,000,000
↑ 75,000,000 India (Republic of)
- | -4% ₹522 Cr 52,500,000 Bank Of India Cd Red 03-12-2026#**
Net Current Assets | -4% ₹494 Cr 50,000,000
↑ 50,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹400 Cr 40,000,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹345 Cr 35,000,000
↑ 35,000,000 HDFC Bank Ltd.
Debentures | -2% ₹298 Cr 30,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹297 Cr 30,000,000 Bank Of Baroda
Certificate of Deposit | -2% ₹297 Cr 30,000,000 4. DSP Liquidity Fund
DSP Liquidity Fund
Growth Launch Date 23 Nov 05 NAV (21 Oct 26) ₹4,036.68 ↓ -0.19 (0.00 %) Net Assets (Cr) ₹24,726 on 30 Sep 26 Category Debt - Liquid Fund AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.21 Sharpe Ratio 3.1 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.24% Effective Maturity Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,407 30 Sep 23 ₹11,116 30 Sep 24 ₹11,934 30 Sep 25 ₹12,748 30 Sep 26 ₹13,567 Returns for DSP Liquidity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 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 5.26 Yr. Shalini Vasanta 1 Aug 24 2.08 Yr. Kunal Khudania 1 Jan 26 0.67 Yr. Data below for DSP Liquidity Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.49% Debt 0.51% Debt Sector Allocation
Sector Value Cash Equivalent 78.49% Corporate 14.56% Government 6.95% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps / Reverse Repo Investments / Corporate Debt Repo
Sovereign Bonds | -10% ₹2,808 Cr 5.74% Govt Stock 2026
Sovereign Bonds | -2% ₹571 Cr 56,000,000
↑ 33,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹496 Cr 10,000 Hindustan Petroleum Corporation Limited**
Net Current Assets | -2% ₹493 Cr 10,000
↑ 10,000 Reliance Industries Limited
Net Current Assets | -2% ₹493 Cr 10,000
↑ 10,000 India (Republic of)
- | -2% ₹449 Cr 45,000,000 Reliance Retail Ventures Limited**
Net Current Assets | -2% ₹444 Cr 9,000
↑ 9,000 HDFC Bank Limited
Certificate of Deposit | -1% ₹397 Cr 8,000 Bank Of Baroda
Certificate of Deposit | -1% ₹396 Cr 8,000 Power Finance Corporation Limited**
Net Current Assets | -1% ₹394 Cr 8,000
↑ 8,000 5. UTI Liquid Cash Plan
UTI Liquid Cash Plan
Growth Launch Date 11 Dec 03 NAV (21 Oct 26) ₹463.828 ↑ 0.01 (0.00 %) Net Assets (Cr) ₹27,453 on 30 Sep 26 Category Debt - Liquid Fund AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.12 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,500 Exit Load NIL Yield to Maturity 6.39% Effective Maturity 1 Month 19 Days Modified Duration 1 Month 19 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,407 30 Sep 23 ₹11,122 30 Sep 24 ₹11,938 30 Sep 25 ₹12,753 30 Sep 26 ₹13,568 Returns for UTI Liquid Cash Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for UTI Liquid Cash Plan
Name Since Tenure Amit Sharma 7 Jul 17 9.16 Yr. Data below for UTI Liquid Cash Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 79.81% Corporate 11.21% Government 8.73% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -9% ₹2,883 Cr India (Republic of)
- | -4% ₹1,239 Cr 12,500,000,000 Uco Bank
Certificate of Deposit | -3% ₹967 Cr 9,750,000,000
↓ -250,000,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹850 Cr 8,500,000,000 Hindustan Petroleum Corp Ltd.
Commercial Paper | -2% ₹749 Cr 7,500,000,000
↑ 7,500,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹741 Cr 7,500,000,000 Cp Small Industries Development Bank Of India
Net Current Assets | -2% ₹690 Cr 7,000,000,000
↑ 7,000,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹595 Cr 6,000,000,000 India (Republic of)
- | -2% ₹544 Cr 5,500,000,000
↑ 5,500,000,000 Cd - Bank Of India - 03/12/2026
Net Current Assets | -2% ₹543 Cr 5,500,000,000
↑ 5,500,000,000 6. Invesco India Liquid Fund
Invesco India Liquid Fund
Growth Launch Date 17 Nov 06 NAV (21 Oct 26) ₹3,885.67 ↓ -0.18 (0.00 %) Net Assets (Cr) ₹22,395 on 30 Sep 26 Category Debt - Liquid Fund AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 3.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.35% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,405 30 Sep 23 ₹11,116 30 Sep 24 ₹11,936 30 Sep 25 ₹12,749 30 Sep 26 ₹13,566 Returns for Invesco India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 7% 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 15.36 Yr. Kunal Jain 2 Apr 26 0.42 Yr. Data below for Invesco India Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.55% Debt 0.28% Other 0.17% Debt Sector Allocation
Sector Value Cash Equivalent 80.91% Government 10.4% Corporate 8.53% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -6% ₹1,504 Cr Small Industries Dev Bank Of India 2026 **
Net Current Assets | -4% ₹986 Cr 100,000,000
↑ 100,000,000 Reverse Repo
CBLO/Reverse Repo | -3% ₹820 Cr 81,999,997
↑ 81,999,997 India (Republic of)
- | -3% ₹798 Cr 80,000,000
↓ -40,000,000 India (Republic of)
- | -2% ₹624 Cr 62,500,000
↓ -30,000,000 HDFC Securities Limited
Commercial Paper | -2% ₹595 Cr 60,000,000
↑ 60,000,000 Bank Of Baroda
Certificate of Deposit | -2% ₹570 Cr 57,500,000
↑ 17,500,000 Can Fin Homes Limited
Commercial Paper | -2% ₹500 Cr 50,000,000
↑ 50,000,000 Triparty Repo
CBLO/Reverse Repo | -2% ₹500 Cr Hindustan Petroleum Corporation Limited
Commercial Paper | -2% ₹500 Cr 50,000,000
↑ 50,000,000 7. PGIM India Insta Cash Fund
PGIM India Insta Cash Fund
Growth Launch Date 5 Sep 07 NAV (21 Oct 26) ₹368.049 ↑ 0.03 (0.01 %) Net Assets (Cr) ₹1,438 on 30 Sep 26 Category Debt - Liquid Fund AMC Pramerica Asset Managers Private Limited Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 3.02 Information Ratio 1.28 Alpha Ratio -0.02 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.15% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 21 ₹10,000 30 Sep 22 ₹10,404 30 Sep 23 ₹11,117 30 Sep 24 ₹11,929 30 Sep 25 ₹12,744 30 Sep 26 ₹13,559 Returns for PGIM India Insta Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Oct 26 Duration Returns 1 Month 0.5% 3 Month 1.5% 6 Month 3.1% 1 Year 6.4% 3 Year 6.8% 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% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for PGIM India Insta Cash Fund
Name Since Tenure Puneet Pal 16 Jul 22 4.13 Yr. Akhil Dhar 25 Feb 26 0.51 Yr. Data below for PGIM India Insta Cash Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.82% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 79.85% Government 18.05% Corporate 1.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -14% ₹177 Cr Indian Oil Corporation Limited
Commercial Paper | -8% ₹100 Cr 10,000,000
↑ 10,000,000 Ultratech Cement Limited
Commercial Paper | -6% ₹75 Cr 7,500,000
↑ 7,500,000 TATA Steel Limited
Debentures | -5% ₹65 Cr 6,500,000
↑ 6,500,000 India (Republic of)
- | -4% ₹55 Cr 5,500,000 Axis Bank Ltd.
Debentures | -4% ₹50 Cr 5,000,000
↑ 5,000,000 Bank of Baroda
Debentures | -4% ₹50 Cr 5,000,000
↑ 5,000,000 Jamnagar Utilities & Power Private Limited
Debentures | -4% ₹50 Cr 5,000,000
↑ 5,000,000 India (Republic of)
- | -4% ₹50 Cr 5,000,000
↑ 5,000,000 Infina Finance Private Limited
Commercial Paper | -4% ₹50 Cr 5,000,000
↑ 5,000,000
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Research Highlights for BOI AXA Liquid Fund