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ਫਿਨਕੈਸ਼ »ਮਿਉਚੁਅਲ ਫੰਡ »ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਸਰਬੋਤਮ ਮਿਉਚੁਅਲ ਫੰਡ

ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਚੋਟੀ ਦੇ 4 ਮਿਉਚੁਅਲ ਫੰਡ

Updated on September 28, 2026 , 4184 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 ₹3,738.4
↑ 0.51 		₹5,6481.32.55.265.85.23%3D3D
SBI Overnight Fund Growth ₹4,430.01
↑ 0.61 		₹23,4071.32.55.25.95.75.2%1D1D
HDFC Overnight Fund Growth ₹4,050.72
↑ 0.55 		₹12,1901.22.55.15.95.75.09%2D2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26

Research Highlights & Commentary of 3 Funds showcased

CommentaryUTI Overnight FundSBI Overnight FundHDFC Overnight Fund
Point 1Bottom quartile AUM (₹5,648 Cr).Highest AUM (₹23,407 Cr).Lower mid AUM (₹12,190 Cr).
Point 2Established history (22+ yrs).Oldest track record among peers (24 yrs).Established history (24+ 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: 5.20% (upper mid).1Y return: 5.16% (lower mid).1Y return: 5.12% (bottom quartile).
Point 61M return: 0.39% (upper mid).1M return: 0.39% (lower mid).1M return: 0.39% (bottom quartile).
Point 7Sharpe: -15.70 (upper mid).Sharpe: -17.65 (lower mid).Sharpe: -20.04 (bottom quartile).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 5.23% (upper mid).Yield to maturity (debt): 5.20% (lower mid).Yield to maturity (debt): 5.09% (bottom quartile).
Point 10Modified duration: 0.01 yrs (bottom quartile).Modified duration: 0.00 yrs (upper mid).Modified duration: 0.01 yrs (lower mid).

UTI Overnight Fund

  • Bottom quartile AUM (₹5,648 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 5.20% (upper mid).
  • 1M return: 0.39% (upper mid).
  • Sharpe: -15.70 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.23% (upper mid).
  • Modified duration: 0.01 yrs (bottom quartile).

SBI Overnight Fund

  • Highest AUM (₹23,407 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 5.16% (lower mid).
  • 1M return: 0.39% (lower mid).
  • Sharpe: -17.65 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.20% (lower mid).
  • Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

  • Lower mid AUM (₹12,190 Cr).
  • Established history (24+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 5.12% (bottom quartile).
  • 1M return: 0.39% (bottom quartile).
  • Sharpe: -20.04 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.09% (bottom quartile).
  • Modified duration: 0.01 yrs (lower mid).

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
Axis Liquid Fund Growth ₹3,139.58
↑ 0.64 		₹63,3430.51.53.46.56.66.37%1M 12D1M 12D
Edelweiss Liquid Fund Growth ₹3,605.34
↑ 0.81 		₹13,2720.51.53.46.46.56.26%1M 8D1M 8D
PGIM India Insta Cash Fund Growth ₹366.881
↑ 0.08 		₹1,0310.51.53.46.46.56.15%1M 10D1M 10D
Invesco India Liquid Fund Growth ₹3,873.77
↑ 0.81 		₹20,7480.51.53.46.46.56.32%1M 11D1M 11D
IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 		₹5030.51.73.46.6 6.66%1M 7D1M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryAxis Liquid FundEdelweiss Liquid Fund PGIM India Insta Cash FundInvesco India Liquid FundIDBI Liquid Fund
Point 1Highest AUM (₹63,343 Cr).Lower mid AUM (₹13,272 Cr).Bottom quartile AUM (₹1,031 Cr).Upper mid AUM (₹20,748 Cr).Bottom quartile AUM (₹503 Cr).
Point 2Established history (16+ yrs).Oldest track record among peers (19 yrs).Established history (19+ yrs).Established history (19+ yrs).Established history (16+ yrs).
Point 3Rating: 4★ (upper mid).Rating: 2★ (bottom quartile).Top rated.Rating: 4★ (lower mid).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.45% (upper mid).1Y return: 6.43% (lower mid).1Y return: 6.40% (bottom quartile).1Y return: 6.41% (bottom quartile).1Y return: 6.55% (top quartile).
Point 61M return: 0.48% (bottom quartile).1M return: 0.48% (lower mid).1M return: 0.47% (bottom quartile).1M return: 0.49% (upper mid).1M return: 0.53% (top quartile).
Point 7Sharpe: 3.01 (top quartile).Sharpe: 2.92 (upper mid).Sharpe: 2.91 (lower mid).Sharpe: 2.85 (bottom quartile).Sharpe: 0.20 (bottom quartile).
Point 8Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 1.16 (top quartile).Information ratio: 0.00 (bottom quartile).Information ratio: -5.96 (bottom quartile).
Point 9Yield to maturity (debt): 6.37% (upper mid).Yield to maturity (debt): 6.26% (bottom quartile).Yield to maturity (debt): 6.15% (bottom quartile).Yield to maturity (debt): 6.32% (lower mid).Yield to maturity (debt): 6.66% (top quartile).
Point 10Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.11 yrs (upper mid).Modified duration: 0.11 yrs (lower mid).Modified duration: 0.12 yrs (bottom quartile).Modified duration: 0.10 yrs (top quartile).

Axis Liquid Fund

  • Highest AUM (₹63,343 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.45% (upper mid).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 3.01 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.37% (upper mid).
  • Modified duration: 0.12 yrs (bottom quartile).

Edelweiss Liquid Fund

  • Lower mid AUM (₹13,272 Cr).
  • Oldest track record among peers (19 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.43% (lower mid).
  • 1M return: 0.48% (lower mid).
  • Sharpe: 2.92 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.26% (bottom quartile).
  • Modified duration: 0.11 yrs (upper mid).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹1,031 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.40% (bottom quartile).
  • 1M return: 0.47% (bottom quartile).
  • Sharpe: 2.91 (lower mid).
  • Information ratio: 1.16 (top quartile).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 0.11 yrs (lower mid).

Invesco India Liquid Fund

  • Upper mid AUM (₹20,748 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.41% (bottom quartile).
  • 1M return: 0.49% (upper mid).
  • Sharpe: 2.85 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.32% (lower mid).
  • Modified duration: 0.12 yrs (bottom quartile).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.55% (top 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 (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
Invesco India Ultra Short Term Fund Growth ₹2,907.47
↑ 1.29 		₹1,6611.53.46.26.96.87.03%5M 3D5M 7D
IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 		₹1461.63.46.44.8 6.83%2M 10D2M 23D
Aditya Birla Sun Life Savings Fund Growth ₹592.85
↑ 0.22 		₹18,8191.53.46.37.27.47.42%5M 19D7M 13D
Nippon India Ultra Short Duration Fund Growth ₹4,343.88
↑ 1.89 		₹12,4471.53.36.26.86.87.35%5M 11D7M 4D
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 PlanInvesco India Ultra Short Term FundIDBI Ultra Short Term FundAditya Birla Sun Life Savings FundNippon India Ultra Short Duration Fund
Point 1Bottom quartile AUM (₹297 Cr).Lower mid AUM (₹1,661 Cr).Bottom quartile AUM (₹146 Cr).Highest AUM (₹18,819 Cr).Upper mid AUM (₹12,447 Cr).
Point 2Established history (18+ yrs).Established history (15+ yrs).Established history (16+ yrs).Established history (23+ yrs).Oldest track record among peers (24 yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 3★ (upper mid).Rating: 1★ (bottom quartile).Top rated.Rating: 2★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Low.
Point 51Y return: 13.69% (top quartile).1Y return: 6.16% (bottom quartile).1Y return: 6.39% (upper mid).1Y return: 6.31% (lower mid).1Y return: 6.19% (bottom quartile).
Point 61M return: 0.59% (top quartile).1M return: 0.48% (bottom quartile).1M return: 0.52% (upper mid).1M return: 0.49% (bottom quartile).1M return: 0.49% (lower mid).
Point 7Sharpe: 2.57 (top quartile).Sharpe: 0.83 (bottom quartile).Sharpe: -0.57 (bottom quartile).Sharpe: 1.00 (upper mid).Sharpe: 0.96 (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): 0.00% (bottom quartile).Yield to maturity (debt): 7.03% (lower mid).Yield to maturity (debt): 6.83% (bottom quartile).Yield to maturity (debt): 7.42% (top quartile).Yield to maturity (debt): 7.35% (upper mid).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 0.42 yrs (lower mid).Modified duration: 0.19 yrs (upper mid).Modified duration: 0.47 yrs (bottom quartile).Modified duration: 0.45 yrs (bottom quartile).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

  • Bottom quartile AUM (₹297 Cr).
  • Established history (18+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (top quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 2.57 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

Invesco India Ultra Short Term Fund

  • Lower mid AUM (₹1,661 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 6.16% (bottom quartile).
  • 1M return: 0.48% (bottom quartile).
  • Sharpe: 0.83 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.03% (lower mid).
  • Modified duration: 0.42 yrs (lower mid).

IDBI Ultra Short Term Fund

  • Bottom quartile AUM (₹146 Cr).
  • Established history (16+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (upper mid).
  • 1M return: 0.52% (upper mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.83% (bottom quartile).
  • Modified duration: 0.19 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹18,819 Cr).
  • Established history (23+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 6.31% (lower mid).
  • 1M return: 0.49% (bottom quartile).
  • Sharpe: 1.00 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.42% (top quartile).
  • Modified duration: 0.47 yrs (bottom quartile).

Nippon India Ultra Short Duration Fund

  • Upper mid AUM (₹12,447 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.19% (bottom quartile).
  • 1M return: 0.49% (lower mid).
  • Sharpe: 0.96 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.35% (upper mid).
  • Modified duration: 0.45 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
Aditya Birla Sun Life Money Manager Fund Growth ₹400.63
↑ 0.19 		₹30,8391.63.66.47.37.47.02%5M 23D5M 26D
UTI Money Market Fund Growth ₹3,340.12
↑ 1.51 		₹19,4681.63.66.47.37.56.92%5M 16D5M 16D
Franklin India Savings Fund Growth ₹54.3072
↑ 0.02 		₹3,9371.63.56.47.27.46.93%4M 13D5M 27D
Nippon India Money Market Fund Growth ₹4,491.46
↑ 2.00 		₹23,6241.63.56.37.37.46.97%5M 21D6M 3D
Tata Money Market Fund Growth ₹5,111.05
↑ 2.19 		₹34,5111.63.56.47.37.46.94%5M 20D5M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Money Manager FundUTI Money Market FundFranklin India Savings FundNippon India Money Market FundTata Money Market Fund
Point 1Upper mid AUM (₹30,839 Cr).Bottom quartile AUM (₹19,468 Cr).Bottom quartile AUM (₹3,937 Cr).Lower mid AUM (₹23,624 Cr).Highest AUM (₹34,511 Cr).
Point 2Established history (20+ yrs).Established history (17+ yrs).Oldest track record among peers (24 yrs).Established history (21+ yrs).Established history (23+ yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 6.39% (upper mid).1Y return: 6.42% (top quartile).1Y return: 6.39% (lower mid).1Y return: 6.33% (bottom quartile).1Y return: 6.37% (bottom quartile).
Point 61M return: 0.51% (lower mid).1M return: 0.52% (upper mid).1M return: 0.52% (top quartile).1M return: 0.50% (bottom quartile).1M return: 0.50% (bottom quartile).
Point 7Sharpe: 0.87 (bottom quartile).Sharpe: 0.97 (upper mid).Sharpe: 0.96 (lower mid).Sharpe: 0.85 (bottom quartile).Sharpe: 1.00 (top 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): 7.02% (top quartile).Yield to maturity (debt): 6.92% (bottom quartile).Yield to maturity (debt): 6.93% (bottom quartile).Yield to maturity (debt): 6.97% (upper mid).Yield to maturity (debt): 6.94% (lower mid).
Point 10Modified duration: 0.48 yrs (bottom quartile).Modified duration: 0.46 yrs (upper mid).Modified duration: 0.37 yrs (top quartile).Modified duration: 0.47 yrs (bottom quartile).Modified duration: 0.47 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

  • Upper mid AUM (₹30,839 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.39% (upper mid).
  • 1M return: 0.51% (lower mid).
  • Sharpe: 0.87 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 7.02% (top quartile).
  • Modified duration: 0.48 yrs (bottom quartile).

UTI Money Market Fund

  • Bottom quartile AUM (₹19,468 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.42% (top quartile).
  • 1M return: 0.52% (upper mid).
  • Sharpe: 0.97 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.92% (bottom quartile).
  • Modified duration: 0.46 yrs (upper mid).

Franklin India Savings Fund

  • Bottom quartile AUM (₹3,937 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (lower mid).
  • 1M return: 0.52% (top quartile).
  • Sharpe: 0.96 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.93% (bottom quartile).
  • Modified duration: 0.37 yrs (top quartile).

Nippon India Money Market Fund

  • Lower mid AUM (₹23,624 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.33% (bottom quartile).
  • 1M return: 0.50% (bottom quartile).
  • Sharpe: 0.85 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.97% (upper mid).
  • Modified duration: 0.47 yrs (bottom quartile).

Tata Money Market Fund

  • Highest AUM (₹34,511 Cr).
  • Established history (23+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.37% (bottom quartile).
  • 1M return: 0.50% (bottom quartile).
  • Sharpe: 1.00 (top quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.94% (lower mid).
  • Modified duration: 0.47 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 (18+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderate.
  • 1Y return: 13.69% (top quartile).
  • 1M return: 0.59% (top quartile).
  • Sharpe: 2.57 (top 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

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. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

  • Highest AUM (₹30,839 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.39% (lower mid).
  • 1M return: 0.51% (bottom quartile).
  • Sharpe: 0.87 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 7.02% (top quartile).
  • Modified duration: 0.48 yrs (bottom quartile).
  • Average maturity: 0.49 yrs (upper mid).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Conservative stance with elevated cash (~70%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Indusind Bank Ltd. (~4.9%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund
Growth
Launch Date 13 Oct 05
NAV (30 Sep 26) ₹400.63 ↑ 0.19   (0.05 %)
Net Assets (Cr) ₹30,839 on 15 Aug 26
Category Debt - Money Market
AMC Birla Sun Life Asset Management Co Ltd
Rating ☆☆☆☆☆
Risk Low
Expense Ratio 0.36
Sharpe Ratio 0.87
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.02%
Effective Maturity 5 Months 26 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,406
30 Sep 23₹11,170
30 Sep 24₹12,033
30 Sep 25₹12,961

Aditya Birla Sun Life Money Manager Fund SIP Returns

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

Returns for Aditya Birla Sun Life Money Manager Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.6%
1 Year 6.4%
3 Year 7.3%
5 Year 6.6%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.8%
2022 7.4%
2021 4.8%
2020 3.8%
2019 6.6%
2018 8%
2017 7.9%
2016 6.8%
2015 7.7%
Fund Manager information for Aditya Birla Sun Life Money Manager Fund
NameSinceTenure
Kaustubh Gupta15 Jul 1115.14 Yr.
Anuj Jain22 Mar 215.45 Yr.
Mohit Sharma1 Apr 179.42 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 15 Aug 26

Asset Allocation
Asset ClassValue
Cash70.3%
Debt29.7%
Debt Sector Allocation
SectorValue
Corporate57.75%
Cash Equivalent27.38%
Government14.86%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Indusind Bank Ltd.
Debentures | -		5%₹1,414 Cr29,000
The Jammu And Kashmir Bank Limited
Debentures | -		3%₹969 Cr20,000
Axis Bank Ltd.
Debentures | -		3%₹935 Cr19,000
Federal Bank Ltd.
Debentures | -		3%₹923 Cr19,000
Gujarat State Development Loans
Sovereign Bonds | -		3%₹796 Cr79,327,600
India (Republic of)
- | -		2%₹498 Cr50,000,000
Karur Vysya Bank Ltd.
Debentures | -		2%₹485 Cr10,000
The Jammu And Kashmir Bank Limited
Debentures | -		2%₹484 Cr10,000
Tbill
Sovereign Bonds | -		1%₹399 Cr40,000,000
India (Republic of)
- | -		1%₹347 Cr35,000,000
↑ 35,000,000

3. 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 (₹19,468 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.42% (upper mid).
  • 1M return: 0.52% (lower mid).
  • Sharpe: 0.97 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.92% (bottom quartile).
  • Modified duration: 0.46 yrs (lower mid).
  • Average maturity: 0.46 yrs (top quartile).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding India (Republic of) (~2.8%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (30 Sep 26) ₹3,340.12 ↑ 1.51   (0.05 %)
Net Assets (Cr) ₹19,468 on 31 Aug 26
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Low
Expense Ratio 0.25
Sharpe Ratio 0.97
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.92%
Effective Maturity 5 Months 16 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,414
30 Sep 23₹11,178
30 Sep 24₹12,035
30 Sep 25₹12,973

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 1.6%
6 Month 3.6%
1 Year 6.4%
3 Year 7.3%
5 Year 6.7%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 7.7%
2022 7.4%
2021 4.9%
2020 3.7%
2019 6%
2018 8%
2017 7.8%
2016 6.7%
2015 7.7%
Fund Manager information for UTI Money Market Fund
NameSinceTenure
Anurag Mittal1 Dec 214.75 Yr.
Amit Sharma7 Jul 179.16 Yr.

Data below for UTI Money Market Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash86.51%
Debt13.16%
Other0.33%
Debt Sector Allocation
SectorValue
Corporate45.42%
Cash Equivalent36.67%
Government17.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -		3%₹489 Cr5,000,000,000
India (Republic of)
- | -		2%₹342 Cr3,500,000,000
UCO Bank
Domestic Bonds | -		1%₹237 Cr2,500,000,000
Indian Overseas Bank
Debentures | -		1%₹194 Cr2,000,000,000
Axis Bank Ltd.
Debentures | -		1%₹194 Cr2,000,000,000
Punjab & Sind Bank
Debentures | -		1%₹169 Cr1,750,000,000
AU Small Finance Bank Ltd.
Debentures | -		1%₹140 Cr1,500,000,000
HDFC Bank Ltd.
Debentures | -		1%₹97 Cr1,000,000,000
Ujjivan Small Finance Bank Limited
Debentures | -		1%₹97 Cr1,000,000,000
Axis Bank Ltd.
Debentures | -		1%₹97 Cr1,000,000,000

4. 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 (₹3,937 Cr).
  • Oldest track record among peers (24 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (bottom quartile).
  • 1M return: 0.52% (upper mid).
  • Sharpe: 0.96 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.93% (lower mid).
  • Modified duration: 0.37 yrs (upper mid).
  • Average maturity: 0.49 yrs (lower 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 (~88%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.67% Uttarpradesh Sdl 2027 (~9.1%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund
Growth
Launch Date 11 Feb 02
NAV (30 Sep 26) ₹54.3072 ↑ 0.02   (0.04 %)
Net Assets (Cr) ₹3,937 on 31 Aug 26
Category Debt - Money Market
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating ☆☆☆
Risk Moderately Low
Expense Ratio 0.3
Sharpe Ratio 0.96
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.93%
Effective Maturity 5 Months 27 Days
Modified Duration 4 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,369
30 Sep 23₹11,106
30 Sep 24₹11,948
30 Sep 25₹12,874

Franklin India Savings Fund SIP Returns

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

Returns for Franklin India Savings Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.5%
1 Year 6.4%
3 Year 7.2%
5 Year 6.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.7%
2022 7.3%
2021 4.4%
2020 3.6%
2019 6%
2018 8.5%
2017 7.5%
2016 7.2%
2015 8.1%
Fund Manager information for Franklin India Savings Fund
NameSinceTenure
Rahul Goswami6 Oct 232.91 Yr.
Rohan Maru10 Oct 241.89 Yr.
Chandni Gupta30 Apr 242.34 Yr.

Data below for Franklin India Savings Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash87.6%
Debt12.12%
Other0.29%
Debt Sector Allocation
SectorValue
Cash Equivalent45.49%
Corporate29.87%
Government24.35%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.67% Uttarpradesh Sdl 2027
Sovereign Bonds | -		9%₹360 Cr34,500,000
↓ -3,000,000
Canara Bank
Domestic Bonds | -		2%₹97 Cr2,000
↑ 2,000
Corporate Debt Market Development Fund Class A2
- | -		0%₹11 Cr9,359
7.78% Telangana Sdl 2027
Sovereign Bonds | -		0%₹10 Cr1,000,000
6.88% Westbengal Sdl 2026
Sovereign Bonds | -		0%₹5 Cr500,000
7.14% Punjab SDL 2027
Sovereign Bonds | -		0%₹5 Cr500,000
7.88% Punjab SDL 2027
Sovereign Bonds | -		0%₹5 Cr500,000
Bajaj Housing Finance Limited
Commercial Paper | -		7%₹291 Cr6,000
Piramal Finance Limited
Commercial Paper | -		7%₹263 Cr5,300
HDFC Bank Ltd
Certificate of Deposit | -		6%₹243 Cr5,000

5. 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 (₹23,624 Cr).
  • Established history (21+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.33% (bottom quartile).
  • 1M return: 0.50% (bottom quartile).
  • Sharpe: 0.85 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.97% (upper mid).
  • Modified duration: 0.47 yrs (bottom quartile).
  • Average maturity: 0.51 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~74%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding National Bank for Agriculture and Rural Development (~3.8%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund
Growth
Launch Date 16 Jun 05
NAV (30 Sep 26) ₹4,491.46 ↑ 2.00   (0.04 %)
Net Assets (Cr) ₹23,624 on 31 Aug 26
Category Debt - Money Market
AMC Nippon Life Asset Management Ltd.
Rating ☆☆☆
Risk Low
Expense Ratio 0.39
Sharpe Ratio 0.85
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 6.97%
Effective Maturity 6 Months 3 Days
Modified Duration 5 Months 21 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 21₹10,000
30 Sep 22₹10,423
30 Sep 23₹11,181
30 Sep 24₹12,041
30 Sep 25₹12,974

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 1.6%
6 Month 3.5%
1 Year 6.3%
3 Year 7.3%
5 Year 6.6%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7.8%
2022 7.4%
2021 5%
2020 3.8%
2019 6%
2018 8.1%
2017 7.9%
2016 6.6%
2015 7.6%
Fund Manager information for Nippon India Money Market Fund
NameSinceTenure
Kinjal Desai16 Jul 188.13 Yr.
Vikash Agarwal14 Sep 241.96 Yr.
Amber Singhania11 Mar 260.47 Yr.

Data below for Nippon India Money Market Fund as on 31 Aug 26

Asset Allocation
Asset ClassValue
Cash74.11%
Debt25.61%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate47.62%
Cash Equivalent31.63%
Government20.46%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank for Agriculture and Rural Development
Domestic Bonds | -		4%₹846 Cr17,500
India (Republic of)
- | -		3%₹687 Cr70,000,000
↑ 50,000,000
UCO Bank
Domestic Bonds | -		2%₹485 Cr10,000
India (Republic of)
- | -		2%₹343 Cr35,000,000
UCO Bank
Domestic Bonds | -		1%₹332 Cr7,000
India (Republic of)
- | -		1%₹295 Cr30,000,000
04/02/2027 Maturing 364 DTB
Sovereign Bonds | -		1%₹245 Cr25,000,000
Punjab & Sind Bank
Debentures | -		1%₹242 Cr5,000
HDFC Bank Ltd.
Debentures | -		1%₹194 Cr4,000
↑ 1,000
7.59% Gujarat Sdl 2027
Sovereign Bonds | -		1%₹166 Cr16,500,000

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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।

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