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ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਚੋਟੀ ਦੇ 4 ਮਿਉਚੁਅਲ ਫੰਡ

Updated on August 19, 2025 , 3372 views

ਜੇ ਤੁਸੀਂ ਨੇੜੇ ਆ ਰਹੇ ਹੋਸੇਵਾਮੁਕਤੀ ਜਾਂ ਕਰਨ ਲਈ ਇੱਕ ਨਵੇਂ ਹਨਮਿਉਚੁਅਲ ਫੰਡ ਜਾਂ ਜੇਕਰ ਤੁਸੀਂ ਕਿਸੇ ਅਜਿਹੇ ਨਿਵੇਸ਼ ਦੀ ਤਲਾਸ਼ ਕਰ ਰਹੇ ਹੋ ਜਿਸ ਨਾਲ ਤੁਹਾਨੂੰ ਜ਼ਿਆਦਾ ਨੁਕਸਾਨ ਨਾ ਹੋਵੇ ਅਤੇ ਉਸੇ ਸਮੇਂ ਤੁਹਾਡੇ ਫੰਡਾਂ ਦੀ ਰੱਖਿਆ ਨਾ ਹੋਵੇ, ਤਾਂ ਸਾਡੇ ਕੋਲ ਕੁਝ ਵਿਕਲਪ ਹਨ ਜਿਨ੍ਹਾਂ 'ਤੇ ਤੁਹਾਨੂੰ ਦੇਖਣ ਦੀ ਲੋੜ ਹੈ।Low-risk ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ, ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕ ਉਹ ਹੁੰਦੇ ਹਨ ਜੋ ਆਪਣੇ ਪੈਸੇ ਦਾ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ, ਪਰ ਆਪਣੇ ਨਿਵੇਸ਼ਾਂ ਨੂੰ ਜੋਖਮ ਵਿੱਚ ਨਹੀਂ ਪਾਉਣਾ ਚਾਹੁੰਦੇ। ਦੂਜੇ ਸ਼ਬਦਾਂ ਵਿੱਚ, ਉਹ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਇੱਕ ਸੁਰੱਖਿਅਤ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ।

ਕਰਜ਼ਾ ਫੰਡ, ਮਿਉਚੁਅਲ ਫੰਡ ਦੀ ਇੱਕ ਕਿਸਮ, ਰੂੜੀਵਾਦੀ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਘੱਟ-ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਾਂ ਵਿੱਚੋਂ ਕੁਝ ਹਨ। ਜਿਵੇਂ ਕਿ ਕਰਜ਼ਾ ਫੰਡ ਸਰਕਾਰ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਬਾਂਡ, ਪੈਸਾਬਜ਼ਾਰ ਪ੍ਰਤੀਭੂਤੀਆਂ, ਆਦਿ, ਉਹਨਾਂ ਦੇ ਮੁਕਾਬਲੇ ਘੱਟ ਜੋਖਮ ਹੁੰਦਾ ਹੈਇਕੁਇਟੀ. ਨਾਲ ਹੀ, ਕਿਉਂਕਿ ਇਹਨਾਂ ਫੰਡਾਂ ਵਿੱਚ ਘੱਟ ਜੋਖਮ ਹੁੰਦਾ ਹੈ, ਇਹਨਾਂ ਫੰਡਾਂ ਦੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਛੋਟੀ ਹੁੰਦੀ ਹੈ, ਕੁਝ ਦਿਨਾਂ ਤੋਂ ਇੱਕ ਸਾਲ ਤੱਕ ਵੱਖ-ਵੱਖ ਹੁੰਦੀ ਹੈ। ਪਰ, ਇਹ ਫੰਡ ਇਸ ਛੋਟੀ ਮਿਆਦ ਦੇ ਰਿਟਰਨ ਲਈ ਜਾਣੇ ਜਾਂਦੇ ਹਨ। ਜੋਖਮ-ਵਿਰੋਧੀ ਨਿਵੇਸ਼ਕ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਇਹਨਾਂ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨ ਅਤੇ ਅਨੁਕੂਲ ਰਿਟਰਨ ਕਮਾ ਸਕਦੇ ਹਨ।

ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਵਧੀਆ ਘੱਟ ਜੋਖਮ ਮਿਉਚੁਅਲ ਫੰਡ

ਰਾਤੋ ਰਾਤ ਫੰਡ

ਇਹ ਇੱਕ ਕਰਜ਼ਾ ਸਕੀਮ ਹੈ ਜੋ ਇੱਕ ਦਿਨ ਵਿੱਚ ਪਰਿਪੱਕ ਹੋਣ ਵਾਲੇ ਬਾਂਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰੇਗੀ। ਦੂਜੇ ਸ਼ਬਦਾਂ ਵਿੱਚ, ਨਿਵੇਸ਼ ਇੱਕ ਦਿਨ ਦੀ ਪਰਿਪੱਕਤਾ ਦੇ ਨਾਲ ਰਾਤੋ ਰਾਤ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਿੱਚ ਕੀਤਾ ਜਾਂਦਾ ਹੈ। ਇਹ ਉਹਨਾਂ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਇੱਕ ਸੁਰੱਖਿਅਤ ਵਿਕਲਪ ਹੈ ਜੋ ਜੋਖਮਾਂ ਅਤੇ ਰਿਟਰਨਾਂ ਦੀ ਚਿੰਤਾ ਕੀਤੇ ਬਿਨਾਂ ਪੈਸਾ ਪਾਰਕ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ। ਦੇ ਜ਼ਰੀਏ ਕ੍ਰੈਡਿਟ ਜੋਖਮ-ਮੁਕਤ ਰਿਟਰਨ ਪੈਦਾ ਕਰਨ ਲਈ ਕੁਝ ਰਾਤੋ-ਰਾਤ ਸਕੀਮਆਮਦਨ ਜਾਂ ਵਿਕਾਸ, ਕੇਂਦਰ ਸਰਕਾਰ ਦੀਆਂ ਪ੍ਰਤੀਭੂਤੀਆਂ, ਖਜ਼ਾਨਾ ਬਿੱਲਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈ,ਕਾਲ ਕਰੋ ਪੈਸਾ ਅਤੇ ਰਿਪੋਜ਼. ਇਹ ਉਹਨਾਂ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਇੱਕ ਵਧੀਆ ਵਿਕਲਪ ਹੈ ਜੋ ਇੱਕ ਰਾਤ ਲਈ ਆਪਣੀ ਵਾਧੂ ਰਕਮ ਦਾ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ। ਹਾਲਾਂਕਿ, ਜੋ ਰਾਤੋ-ਰਾਤ ਆਪਣਾ ਫੰਡ ਰੀਡੀਮ ਨਹੀਂ ਕਰਨਾ ਚਾਹੁੰਦਾ, ਉਹ ਇਸ ਨੂੰ ਸਕੀਮ ਵਿੱਚ ਰਹਿਣ ਦੇ ਸਕਦਾ ਹੈ।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
UTI Overnight Fund Growth ₹3,532.9
↑ 0.53
₹4,1711.32.86.26.46.75.43%2D2D
SBI Overnight Fund Growth ₹4,188.31
↑ 0.62
₹23,0341.32.86.16.36.65.44%1D1D
HDFC Overnight Fund Growth ₹3,831.36
↑ 0.56
₹11,1471.32.86.16.36.65.46%2D2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 25

Research Highlights & Commentary of 3 Funds showcased

CommentaryUTI Overnight FundSBI Overnight FundHDFC Overnight Fund
Point 1Bottom quartile AUM (₹4,171 Cr).Highest AUM (₹23,034 Cr).Lower mid AUM (₹11,147 Cr).
Point 2Established history (21+ yrs).Established history (22+ yrs).Oldest track record among peers (23 yrs).
Point 3Top rated.Rating: 2★ (lower mid).Rating: 1★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.19% (upper mid).1Y return: 6.14% (lower mid).1Y return: 6.09% (bottom quartile).
Point 61M return: 0.45% (upper mid).1M return: 0.45% (lower mid).1M return: 0.44% (bottom quartile).
Point 7Sharpe: -20.38 (upper mid).Sharpe: -22.92 (bottom quartile).Sharpe: -22.28 (lower mid).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 5.43% (bottom quartile).Yield to maturity (debt): 5.44% (lower mid).Yield to maturity (debt): 5.46% (upper mid).
Point 10Modified duration: 0.01 yrs (lower mid).Modified duration: 0.00 yrs (upper mid).Modified duration: 0.01 yrs (bottom quartile).

UTI Overnight Fund

  • Bottom quartile AUM (₹4,171 Cr).
  • Established history (21+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 6.19% (upper mid).
  • 1M return: 0.45% (upper mid).
  • Sharpe: -20.38 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.43% (bottom quartile).
  • Modified duration: 0.01 yrs (lower mid).

SBI Overnight Fund

  • Highest AUM (₹23,034 Cr).
  • Established history (22+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.14% (lower mid).
  • 1M return: 0.45% (lower mid).
  • Sharpe: -22.92 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.44% (lower mid).
  • Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

  • Lower mid AUM (₹11,147 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.09% (bottom quartile).
  • 1M return: 0.44% (bottom quartile).
  • Sharpe: -22.28 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.46% (upper mid).
  • Modified duration: 0.01 yrs (bottom quartile).

ਤਰਲ ਫੰਡ

ਤਰਲ ਫੰਡ ਉਹਨਾਂ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰੋ ਜਿਹਨਾਂ ਦੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਘੱਟ ਹੈ, ਆਮ ਤੌਰ 'ਤੇ 91 ਦਿਨਾਂ ਤੋਂ ਘੱਟ। ਇਹ ਫੰਡ ਮੁੱਖ ਤੌਰ 'ਤੇ ਖਜ਼ਾਨਾ ਬਿੱਲਾਂ, ਵਪਾਰਕ ਕਾਗਜ਼ਾਤ, ਮਿਆਦੀ ਜਮ੍ਹਾਂ, ਆਦਿ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ। ਤਰਲ ਫੰਡ ਆਸਾਨ ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਨਤਰਲਤਾ ਅਤੇ ਹੋਰ ਕਿਸਮ ਦੇ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਨਾਲੋਂ ਘੱਟ ਅਸਥਿਰ ਹੁੰਦੇ ਹਨ। ਨਾਲ ਹੀ, ਤਰਲ ਪਦਾਰਥ ਰਵਾਇਤੀ ਨਾਲੋਂ ਵਧੀਆ ਵਿਕਲਪ ਹਨਬੈਂਕ ਬਚਤ ਖਾਤਾ. ਬੈਂਕ ਖਾਤੇ ਦੇ ਮੁਕਾਬਲੇ, ਤਰਲ ਫੰਡ ਸਾਲਾਨਾ ਵਿਆਜ ਦਾ 7-8% ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਨ। ਆਮ ਤੌਰ 'ਤੇ, ਕਿਸੇ ਵੀ ਵਿਅਕਤੀ ਨੇ ਆਪਣੇ ਬਚਤ ਖਾਤੇ ਵਿੱਚ ਵਿਹਲੇ ਨਕਦੀ ਬਾਰੇ ਸੋਚਿਆ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈਨਿਵੇਸ਼ ਇਸ ਨੂੰ ਇਸ ਨੂੰ ਬਾਹਰ ਹੋਰ ਪੈਸੇ ਬਣਾਉਣ ਲਈ ਕਿਤੇ. ਨਿਵੇਸ਼ਕ ਜੋ ਜੋਖਮ-ਮੁਕਤ ਨਿਵੇਸ਼ ਚਾਹੁੰਦੇ ਹਨ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਇਹਨਾਂ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਨੂੰ ਤਰਜੀਹ ਦੇ ਸਕਦੇ ਹਨ।

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35
₹5030.51.73.46.6 6.66%1M 7D1M 10D
Indiabulls Liquid Fund Growth ₹2,545.69
↑ 0.33
₹3930.51.53.377.45.77%1M 10D1M 11D
Axis Liquid Fund Growth ₹2,931.06
↑ 0.45
₹36,7570.51.53.377.45.85%1M 12D1M 15D
BOI AXA Liquid Fund Growth ₹3,031.62
↑ 0.48
₹2,0020.51.53.377.45.64%1M 17D1M 17D
Canara Robeco Liquid Growth ₹3,168.35
↑ 0.48
₹6,5770.51.53.377.45.76%1M 5D1M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

Research Highlights & Commentary of 5 Funds showcased

CommentaryIDBI Liquid FundIndiabulls Liquid FundAxis Liquid FundBOI AXA Liquid FundCanara Robeco Liquid
Point 1Bottom quartile AUM (₹503 Cr).Bottom quartile AUM (₹393 Cr).Highest AUM (₹36,757 Cr).Lower mid AUM (₹2,002 Cr).Upper mid AUM (₹6,577 Cr).
Point 2Established history (15+ yrs).Established history (13+ yrs).Established history (15+ yrs).Oldest track record among peers (17 yrs).Established history (17+ yrs).
Point 3Rating: 3★ (lower mid).Top rated.Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.55% (bottom quartile).1Y return: 7.01% (lower mid).1Y return: 7.02% (upper mid).1Y return: 7.04% (top quartile).1Y return: 6.99% (bottom quartile).
Point 61M return: 0.53% (top quartile).1M return: 0.46% (bottom quartile).1M return: 0.47% (lower mid).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).
Point 7Sharpe: 0.20 (bottom quartile).Sharpe: 3.05 (bottom quartile).Sharpe: 3.64 (upper mid).Sharpe: 4.36 (top quartile).Sharpe: 3.31 (lower mid).
Point 8Information ratio: -5.96 (bottom quartile).Information ratio: -1.37 (bottom quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.52 (top quartile).Information ratio: -0.08 (lower mid).
Point 9Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 5.77% (lower mid).Yield to maturity (debt): 5.85% (upper mid).Yield to maturity (debt): 5.64% (bottom quartile).Yield to maturity (debt): 5.76% (bottom quartile).
Point 10Modified duration: 0.10 yrs (upper mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.10 yrs (top quartile).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (top quartile).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (top quartile).
  • Modified duration: 0.10 yrs (upper mid).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹393 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.01% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.05 (bottom quartile).
  • Information ratio: -1.37 (bottom quartile).
  • Yield to maturity (debt): 5.77% (lower mid).
  • Modified duration: 0.11 yrs (lower mid).

Axis Liquid Fund

  • Highest AUM (₹36,757 Cr).
  • Established history (15+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.02% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.64 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.85% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

BOI AXA Liquid Fund

  • Lower mid AUM (₹2,002 Cr).
  • Oldest track record among peers (17 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.04% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 4.36 (top quartile).
  • Information ratio: 0.52 (top quartile).
  • Yield to maturity (debt): 5.64% (bottom quartile).
  • Modified duration: 0.13 yrs (bottom quartile).

Canara Robeco Liquid

  • Upper mid AUM (₹6,577 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.99% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.31 (lower mid).
  • Information ratio: -0.08 (lower mid).
  • Yield to maturity (debt): 5.76% (bottom quartile).
  • Modified duration: 0.10 yrs (top quartile).

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ਅਲਟਰਾ ਸ਼ਾਰਟ ਟਰਮ ਫੰਡ

ਅਲਟਰਾ ਛੋਟੀ ਮਿਆਦ ਦੇ ਫੰਡ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਪੱਕੀ ਤਨਖਾਹ ਯੰਤਰ ਜਿਨ੍ਹਾਂ ਦੀ ਮੈਕਾਲੇ ਮਿਆਦ ਤਿੰਨ ਤੋਂ ਛੇ ਮਹੀਨਿਆਂ ਦੇ ਵਿਚਕਾਰ ਹੁੰਦੀ ਹੈ। ਅਲਟਰਾ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਫੰਡ ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਵਿਆਜ ਦਰ ਦੇ ਜੋਖਮਾਂ ਤੋਂ ਬਚਣ ਵਿੱਚ ਮਦਦ ਕਰਦੇ ਹਨ ਅਤੇ ਤਰਲ ਕਰਜ਼ੇ ਫੰਡਾਂ ਦੇ ਮੁਕਾਬਲੇ ਬਿਹਤਰ ਰਿਟਰਨ ਵੀ ਪੇਸ਼ ਕਰਦੇ ਹਨ। ਇਹ ਫੰਡ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਹਨ ਜੋ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਬਹੁਤ ਢੁਕਵੇਂ ਹਨ ਜੋ ਚੰਗੇ ਰਿਟਰਨ ਕਮਾਉਣ ਲਈ ਨਿਵੇਸ਼ ਦੇ ਜੋਖਮ ਨੂੰ ਮਾਮੂਲੀ ਤੌਰ 'ਤੇ ਵਧਾਉਣ ਲਈ ਤਿਆਰ ਹਨ। ਆਮ ਤੌਰ 'ਤੇ, ਲੰਬੇ ਪਰਿਪੱਕਤਾ ਵਾਲੇ ਯੰਤਰਾਂ ਲਈ ਕਰਜ਼ੇ ਦੇ ਸਾਧਨ 'ਤੇ ਉਪਜ ਵੱਧ ਹੁੰਦੀ ਹੈ। ਇਸ ਤਰ੍ਹਾਂ, ਅਲਟਰਾ ਸ਼ਾਰਟ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਪ੍ਰਤੀਭੂਤੀਆਂ ਆਮ ਤੌਰ 'ਤੇ ਤਰਲ ਫੰਡਾਂ (ਭਾਵੇਂ ਮੁਕਾਬਲਤਨ ਉੱਚ ਜੋਖਮ 'ਤੇ ਹੋਣ ਦੇ ਬਾਵਜੂਦ) ਦੀ ਤੁਲਨਾ ਵਿੱਚ ਉੱਚ ਉਪਜ ਕਮਾਉਂਦੀਆਂ ਹਨ। ਨਤੀਜੇ ਵਜੋਂ, ਅਤਿਛੋਟੀ ਮਿਆਦ ਦੇ ਫੰਡ ਤੁਲਨਾਤਮਕ ਸਮੇਂ ਵਿੱਚ ਤਰਲ ਫੰਡਾਂ ਨਾਲੋਂ ਮਾਮੂਲੀ ਤੌਰ 'ਤੇ ਬਿਹਤਰ ਰਿਟਰਨ ਦੇ ਸਕਦਾ ਹੈ।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04
₹2971.35.913.78.8 0%1Y 15D
Aditya Birla Sun Life Savings Fund Growth ₹554.162
↑ 0.12
₹20,7951.74.187.47.96.6%5M 26D7M 2D
ICICI Prudential Ultra Short Term Fund Growth ₹27.9745
↑ 0.00
₹16,3821.73.87.57.17.56.63%4M 24D7M 6D
SBI Magnum Ultra Short Duration Fund Growth ₹6,031.43
↑ 1.19
₹15,9021.63.77.47.17.46.13%4M 20D5M 12D
Kotak Savings Fund Growth ₹43.2779
↑ 0.01
₹15,9541.63.77.36.97.26.36%5M 19D6M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22

Research Highlights & Commentary of 5 Funds showcased

CommentaryFranklin India Ultra Short Bond Fund - Super Institutional PlanAditya Birla Sun Life Savings FundICICI Prudential Ultra Short Term FundSBI Magnum Ultra Short Duration FundKotak Savings Fund
Point 1Bottom quartile AUM (₹297 Cr).Highest AUM (₹20,795 Cr).Upper mid AUM (₹16,382 Cr).Bottom quartile AUM (₹15,902 Cr).Lower mid AUM (₹15,954 Cr).
Point 2Established history (17+ yrs).Established history (22+ yrs).Established history (14+ yrs).Oldest track record among peers (26 yrs).Established history (21+ yrs).
Point 3Rating: 1★ (bottom quartile).Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Low.Risk profile: Moderately Low.
Point 51Y return: 13.69% (top quartile).1Y return: 8.01% (upper mid).1Y return: 7.51% (lower mid).1Y return: 7.41% (bottom quartile).1Y return: 7.26% (bottom quartile).
Point 61M return: 0.59% (top quartile).1M return: 0.50% (upper mid).1M return: 0.48% (lower mid).1M return: 0.45% (bottom quartile).1M return: 0.44% (bottom quartile).
Point 7Sharpe: 2.57 (bottom quartile).Sharpe: 3.76 (top quartile).Sharpe: 2.80 (upper mid).Sharpe: 2.77 (lower mid).Sharpe: 2.11 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 0.00% (bottom quartile).Yield to maturity (debt): 6.60% (upper mid).Yield to maturity (debt): 6.63% (top quartile).Yield to maturity (debt): 6.13% (bottom quartile).Yield to maturity (debt): 6.36% (lower mid).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 0.49 yrs (bottom quartile).Modified duration: 0.40 yrs (lower mid).Modified duration: 0.39 yrs (upper mid).Modified duration: 0.47 yrs (bottom quartile).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

  • Bottom quartile AUM (₹297 Cr).
  • Established history (17+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (top quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 2.57 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹20,795 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 8.01% (upper mid).
  • 1M return: 0.50% (upper mid).
  • Sharpe: 3.76 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.60% (upper mid).
  • Modified duration: 0.49 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹16,382 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.51% (lower mid).
  • 1M return: 0.48% (lower mid).
  • Sharpe: 2.80 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.63% (top quartile).
  • Modified duration: 0.40 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

  • Bottom quartile AUM (₹15,902 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.41% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 2.77 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.13% (bottom quartile).
  • Modified duration: 0.39 yrs (upper mid).

Kotak Savings Fund

  • Lower mid AUM (₹15,954 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 7.26% (bottom quartile).
  • 1M return: 0.44% (bottom quartile).
  • Sharpe: 2.11 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.36% (lower mid).
  • Modified duration: 0.47 yrs (bottom quartile).

ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ

ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਬਹੁਤ ਸਾਰੇ ਬਾਜ਼ਾਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈ ਜਿਵੇਂ ਕਿ ਵਪਾਰਕ/ਖਜ਼ਾਨਾ ਬਿੱਲ, ਵਪਾਰਕ ਕਾਗਜ਼ਾਤ,ਡਿਪਾਜ਼ਿਟ ਦਾ ਸਰਟੀਫਿਕੇਟ ਅਤੇ ਭਾਰਤੀ ਰਿਜ਼ਰਵ ਬੈਂਕ (ਆਰ.ਬੀ.ਆਈ.) ਦੁਆਰਾ ਨਿਰਧਾਰਿਤ ਹੋਰ ਯੰਤਰ। ਇਹ ਨਿਵੇਸ਼ ਜੋਖਿਮ ਤੋਂ ਬਚਣ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਇੱਕ ਵਧੀਆ ਵਿਕਲਪ ਹਨ ਜੋ ਥੋੜੇ ਸਮੇਂ ਵਿੱਚ ਚੰਗਾ ਰਿਟਰਨ ਕਮਾਉਣਾ ਚਾਹੁੰਦੇ ਹਨ। ਇਹ ਕਰਜ਼ਾ ਯੋਜਨਾ ਇੱਕ ਸਾਲ ਤੱਕ ਦੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਵਾਲੇ ਮਨੀ ਮਾਰਕੀਟ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰੇਗੀ। ਦੀ ਕਾਰਗੁਜ਼ਾਰੀਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਭਾਰਤੀ ਰਿਜ਼ਰਵ ਬੈਂਕ ਦੁਆਰਾ ਨਿਰਧਾਰਤ ਵਿਆਜ ਦਰਾਂ ਨਾਲ ਨੇੜਿਓਂ ਜੁੜਿਆ ਹੋਇਆ ਹੈ,ਸੈਂਟਰਲ 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।

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Franklin India Savings Fund Growth ₹50.7349
↑ 0.01
₹4,0801.74.287.47.76.08%5M 26D6M 7D
Nippon India Money Market Fund Growth ₹4,198.03
↑ 0.73
₹22,4611.74.27.97.57.86.22%6M 10D6M 22D
ICICI Prudential Money Market Fund Growth ₹383.792
↑ 0.06
₹36,9421.74.287.57.76.1%5M 24D6M 6D
UTI Money Market Fund Growth ₹3,118.78
↑ 0.53
₹20,5541.74.287.67.76.16%6M 20D6M 20D
Tata Money Market Fund Growth ₹4,775.13
↑ 0.89
₹41,2351.74.17.97.57.76.16%6M 7D6M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryFranklin India Savings FundNippon India Money Market FundICICI Prudential Money Market FundUTI Money Market FundTata Money Market Fund
Point 1Bottom quartile AUM (₹4,080 Cr).Lower mid AUM (₹22,461 Cr).Upper mid AUM (₹36,942 Cr).Bottom quartile AUM (₹20,554 Cr).Highest AUM (₹41,235 Cr).
Point 2Oldest track record among peers (23 yrs).Established history (20+ yrs).Established history (19+ yrs).Established history (16+ yrs).Established history (22+ yrs).
Point 3Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Top rated.Rating: 4★ (upper mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 7.97% (upper mid).1Y return: 7.95% (bottom quartile).1Y return: 7.95% (lower mid).1Y return: 7.99% (top quartile).1Y return: 7.91% (bottom quartile).
Point 61M return: 0.46% (lower mid).1M return: 0.46% (upper mid).1M return: 0.45% (bottom quartile).1M return: 0.46% (top quartile).1M return: 0.45% (bottom quartile).
Point 7Sharpe: 3.04 (bottom quartile).Sharpe: 3.11 (upper mid).Sharpe: 3.08 (bottom quartile).Sharpe: 3.26 (top quartile).Sharpe: 3.10 (lower mid).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.08% (bottom quartile).Yield to maturity (debt): 6.22% (top quartile).Yield to maturity (debt): 6.10% (bottom quartile).Yield to maturity (debt): 6.16% (upper mid).Yield to maturity (debt): 6.16% (lower mid).
Point 10Modified duration: 0.49 yrs (upper mid).Modified duration: 0.53 yrs (bottom quartile).Modified duration: 0.48 yrs (top quartile).Modified duration: 0.56 yrs (bottom quartile).Modified duration: 0.52 yrs (lower mid).

Franklin India Savings Fund

  • Bottom quartile AUM (₹4,080 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.97% (upper mid).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.04 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.49 yrs (upper mid).

Nippon India Money Market Fund

  • Lower mid AUM (₹22,461 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.95% (bottom quartile).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.11 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.22% (top quartile).
  • Modified duration: 0.53 yrs (bottom quartile).

ICICI Prudential Money Market Fund

  • Upper mid AUM (₹36,942 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.95% (lower mid).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.08 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.10% (bottom quartile).
  • Modified duration: 0.48 yrs (top quartile).

UTI Money Market Fund

  • Bottom quartile AUM (₹20,554 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.99% (top quartile).
  • 1M return: 0.46% (top quartile).
  • Sharpe: 3.26 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.16% (upper mid).
  • Modified duration: 0.56 yrs (bottom quartile).

Tata Money Market Fund

  • Highest AUM (₹41,235 Cr).
  • Established history (22+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.91% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.10 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.16% (lower mid).
  • Modified duration: 0.52 yrs (lower mid).

*ਉੱਪਰ ਵਧੀਆ ਦੀ ਸੂਚੀ ਹੈਘੱਟ ਜੋਖਮ ਫੰਡਾਂ ਕੋਲ ਉਪਰੋਕਤ AUM/ਨੈੱਟ ਸੰਪਤੀਆਂ ਹਨ100 ਕਰੋੜ. 'ਤੇ ਛਾਂਟੀ ਕੀਤੀਪਿਛਲੇ 6 ਮਹੀਨਿਆਂ ਦੀ ਵਾਪਸੀ.

1. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Research Highlights for Franklin India Ultra Short Bond Fund - Super Institutional Plan

  • Bottom quartile AUM (₹297 Cr).
  • Established history (17+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (top quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 2.57 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).
  • Average maturity: 1.04 yrs (bottom quartile).
  • Exit load: NIL.

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth
Launch Date 18 Dec 07
NAV (07 Aug 22) ₹34.9131 ↑ 0.04   (0.11 %)
Net Assets (Cr) ₹297 on 31 Jul 22
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.52
Sharpe Ratio 2.57
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity 1 Year 15 Days
Modified Duration

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,833
31 Jul 22₹12,298

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

DurationReturns
1 Month 0.6%
3 Month 1.3%
6 Month 5.9%
1 Year 13.7%
3 Year 8.8%
5 Year 8.7%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Jul 22

Asset Allocation
Asset ClassValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

2. 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 (₹4,080 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 7.97% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.04 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.08% (bottom quartile).
  • Modified duration: 0.49 yrs (lower mid).
  • Average maturity: 0.52 yrs (upper mid).
  • Exit load: NIL.
  • Higher exposure to Financial Services vs peer median.
  • Higher exposure to Cash Equivalent (bond sector) vs peer median.
  • Conservative stance with elevated cash (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 364 Days Tbill (Md 05/03/2026) (~5.3%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund
Growth
Launch Date 11 Feb 02
NAV (21 Aug 25) ₹50.7349 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹4,080 on 31 Jul 25
Category Debt - Money Market
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderately Low
Expense Ratio 0.3
Sharpe Ratio 3.04
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.08%
Effective Maturity 6 Months 7 Days
Modified Duration 5 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,366
31 Jul 22₹10,725
31 Jul 23₹11,456
31 Jul 24₹12,308
31 Jul 25₹13,300

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 ₹197,169.
Net Profit of ₹17,169
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 7 Aug 22

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.2%
1 Year 8%
3 Year 7.4%
5 Year 5.9%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.3%
2022 4.4%
2021 3.6%
2020 6%
2019 8.5%
2018 7.5%
2017 7.2%
2016 8.1%
2015 8.3%
Fund Manager information for Franklin India Savings Fund
NameSinceTenure
Rahul Goswami6 Oct 231.82 Yr.
Rohan Maru10 Oct 240.81 Yr.
Chandni Gupta30 Apr 241.25 Yr.

Data below for Franklin India Savings Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash86.64%
Debt13.13%
Other0.23%
Debt Sector Allocation
SectorValue
Cash Equivalent43.01%
Corporate32.44%
Government24.33%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
5%₹217 Cr22,500,000
182 Days Tbill
Sovereign Bonds | -
3%₹110 Cr11,000,000
↑ 11,000,000
Kotak Mahindra Bank Ltd.
Debentures | -
2%₹72 Cr1,500
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹48 Cr5,000,000
HDFC Bank Ltd.
Debentures | -
1%₹48 Cr1,000
Indian Bank
Domestic Bonds | -
1%₹48 Cr1,000
Punjab National Bank
Domestic Bonds | -
1%₹48 Cr1,000
08.39 RJ UDAY 2026
Domestic Bonds | -
1%₹30 Cr2,860,000
Bank of Baroda
Debentures | -
1%₹24 Cr500
Corporate Debt Market Development Fund Class A2
Investment Fund | -
0%₹9 Cr8,236
↑ 2,464

3. 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

  • Upper mid AUM (₹22,461 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.95% (bottom quartile).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.11 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.22% (top quartile).
  • Modified duration: 0.53 yrs (bottom quartile).
  • Average maturity: 0.56 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~81%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Punjab National Bank (~2.1%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund
Growth
Launch Date 16 Jun 05
NAV (21 Aug 25) ₹4,198.03 ↑ 0.73   (0.02 %)
Net Assets (Cr) ₹22,461 on 31 Jul 25
Category Debt - Money Market
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.39
Sharpe Ratio 3.11
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.22%
Effective Maturity 6 Months 22 Days
Modified Duration 6 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,400
31 Jul 22₹10,808
31 Jul 23₹11,570
31 Jul 24₹12,446
31 Jul 25₹13,447

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 7 Aug 22

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.2%
1 Year 7.9%
3 Year 7.5%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.8%
2023 7.4%
2022 5%
2021 3.8%
2020 6%
2019 8.1%
2018 7.9%
2017 6.6%
2016 7.6%
2015 8.3%
Fund Manager information for Nippon India Money Market Fund
NameSinceTenure
Kinjal Desai16 Jul 187.05 Yr.
Vikash Agarwal14 Sep 240.88 Yr.

Data below for Nippon India Money Market Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash81.18%
Debt18.57%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate43.52%
Cash Equivalent36.23%
Government20.01%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Punjab National Bank
Domestic Bonds | -
2%₹494 Cr10,000
↑ 10,000
Indian Bank
Domestic Bonds | -
2%₹494 Cr10,000
↑ 10,000
Axis Bank Ltd.
Debentures | -
2%₹475 Cr10,000
↑ 10,000
364 DTB 27022026
Sovereign Bonds | -
1%₹242 Cr25,000,000
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
1%₹242 Cr25,000,000
Uttarakhand (Government of) 7.36%
- | -
1%₹230 Cr22,783,400
Indian Bank
Domestic Bonds | -
1%₹216 Cr4,500
Axis Bank Ltd.
Debentures | -
1%₹189 Cr4,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹169 Cr17,500,000
0% Goi - 16dec25 Strips
Sovereign Bonds | -
1%₹158 Cr16,169,400
↑ 16,169,400

4. 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

  • Highest AUM (₹36,942 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.95% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.08 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.10% (lower mid).
  • Modified duration: 0.48 yrs (upper mid).
  • Average maturity: 0.52 yrs (top quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~81%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 364 Days Tbill Red 12-03-2026 (~5.4%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund
Growth
Launch Date 9 Mar 06
NAV (21 Aug 25) ₹383.792 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹36,942 on 31 Jul 25
Category Debt - Money Market
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.32
Sharpe Ratio 3.08
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.1%
Effective Maturity 6 Months 6 Days
Modified Duration 5 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,391
31 Jul 22₹10,773
31 Jul 23₹11,532
31 Jul 24₹12,399
31 Jul 25₹13,397

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 7 Aug 22

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.2%
1 Year 8%
3 Year 7.5%
5 Year 6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.4%
2022 4.7%
2021 3.7%
2020 6.2%
2019 7.9%
2018 7.7%
2017 6.7%
2016 7.7%
2015 8.3%
Fund Manager information for ICICI Prudential Money Market Fund
NameSinceTenure
Manish Banthia12 Jun 232.14 Yr.
Nikhil Kabra3 Aug 169 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash81.02%
Debt18.76%
Other0.23%
Debt Sector Allocation
SectorValue
Corporate42.4%
Cash Equivalent35.44%
Government21.93%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
5%₹1,931 Cr200,000,000
Bank of India Ltd.
Debentures | -
1%₹480 Cr10,000
UCO Bank
Domestic Bonds | -
1%₹474 Cr10,000
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
1%₹459 Cr47,500,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
1%₹384 Cr8,000
Indian Bank
Domestic Bonds | -
1%₹240 Cr5,000
IDFC First Bank Ltd.
Debentures | -
1%₹237 Cr5,000
HDFC Bank Ltd.
Debentures | -
1%₹236 Cr5,000
364 DTB 19mar2026
Sovereign Bonds | -
1%₹217 Cr22,500,000
↓ -27,500,000
Punjab National Bank
Domestic Bonds | -
1%₹200 Cr4,000
↑ 4,000

5. 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 (₹20,554 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.99% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.26 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.16% (upper mid).
  • Modified duration: 0.56 yrs (bottom quartile).
  • Average maturity: 0.56 yrs (lower mid).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Conservative stance with elevated cash (~79%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 364 Days Tbill (Md 05/03/2026) (~2.3%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (21 Aug 25) ₹3,118.78 ↑ 0.53   (0.02 %)
Net Assets (Cr) ₹20,554 on 31 Jul 25
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 3.26
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.16%
Effective Maturity 6 Months 20 Days
Modified Duration 6 Months 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹10,397
31 Jul 22₹10,798
31 Jul 23₹11,563
31 Jul 24₹12,437
31 Jul 25₹13,442

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 7 Aug 22

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 4.2%
1 Year 8%
3 Year 7.6%
5 Year 6.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 7.4%
2022 4.9%
2021 3.7%
2020 6%
2019 8%
2018 7.8%
2017 6.7%
2016 7.7%
2015 8.4%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 213.67 Yr.
Amit Sharma7 Jul 178.07 Yr.

Data below for UTI Money Market Fund as on 31 Jul 25

Asset Allocation
Asset ClassValue
Cash79.43%
Debt20.35%
Other0.21%
Debt Sector Allocation
SectorValue
Corporate50.43%
Cash Equivalent27.13%
Government22.23%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -
2%₹483 Cr5,000,000,000
364 DTB 19mar2026
Sovereign Bonds | -
2%₹482 Cr5,000,000,000
India (Republic of)
- | -
2%₹464 Cr4,750,000,000
HDFC Bank Ltd.
Debentures | -
2%₹401 Cr4,250,000,000
↓ -750,000,000
Axis Bank Ltd.
Debentures | -
1%₹285 Cr3,000,000,000
↑ 3,000,000,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -
1%₹241 Cr2,500,000,000
Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -
1%₹221 Cr2,255,700,000
↑ 2,255,700,000
364 DTB 12022026
Sovereign Bonds | -
1%₹194 Cr2,000,000,000
364 DTB 27022026
Sovereign Bonds | -
1%₹193 Cr2,000,000,000
HDFC Bank Ltd.
Debentures | -
1%₹192 Cr2,000,000,000
↑ 2,000,000,000

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