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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 December 17, 2025 , 3523 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 ₹3,594.66
↑ 0.51 		₹5,3691.32.75.86.46.75.44%1D1D
SBI Overnight Fund Growth ₹4,261.02
↑ 0.59 		₹24,0251.32.75.86.36.65.48%1D1D
HDFC Overnight Fund Growth ₹3,897.18
↑ 0.54 		₹9,6411.32.65.76.36.65.46%2D2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 3 Funds showcased

CommentaryUTI Overnight FundSBI Overnight FundHDFC Overnight Fund
Point 1Bottom quartile AUM (₹5,369 Cr).Highest AUM (₹24,025 Cr).Lower mid AUM (₹9,641 Cr).
Point 2Established history (22+ yrs).Oldest track record among peers (23 yrs).Established history (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: 5.81% (upper mid).1Y return: 5.77% (lower mid).1Y return: 5.72% (bottom quartile).
Point 61M return: 0.43% (upper mid).1M return: 0.42% (lower mid).1M return: 0.42% (bottom quartile).
Point 7Sharpe: -8.30 (upper mid).Sharpe: -9.66 (lower mid).Sharpe: -11.62 (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): 5.44% (bottom quartile).Yield to maturity (debt): 5.48% (upper mid).Yield to maturity (debt): 5.46% (lower mid).
Point 10Modified duration: 0.00 yrs (upper mid).Modified duration: 0.00 yrs (lower mid).Modified duration: 0.01 yrs (bottom quartile).

UTI Overnight Fund

  • Bottom quartile AUM (₹5,369 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 5.81% (upper mid).
  • 1M return: 0.43% (upper mid).
  • Sharpe: -8.30 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.44% (bottom quartile).
  • Modified duration: 0.00 yrs (upper mid).

SBI Overnight Fund

  • Highest AUM (₹24,025 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 5.77% (lower mid).
  • 1M return: 0.42% (lower mid).
  • Sharpe: -9.66 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 5.48% (upper mid).
  • Modified duration: 0.00 yrs (lower mid).

HDFC Overnight Fund

  • Lower mid AUM (₹9,641 Cr).
  • Established history (23+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 5.72% (bottom quartile).
  • 1M return: 0.42% (bottom quartile).
  • Sharpe: -11.62 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.46% (lower 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
BOI AXA Liquid Fund Growth ₹3,088.79
↑ 0.51 		₹1,4260.51.42.96.67.45.94%1M 20D1M 20D
Edelweiss Liquid Fund Growth ₹3,429.85
↑ 0.57 		₹10,2140.51.42.96.67.35.92%1M 2D1M 2D
Mahindra Liquid Fund Growth ₹1,745.36
↑ 0.28 		₹1,0860.51.42.96.57.46.06%1M 16D1M 16D
Axis Liquid Fund Growth ₹2,986.05
↑ 0.49 		₹37,3580.51.42.96.67.45.98%1M 9D1M 12D
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 FundBOI AXA Liquid FundEdelweiss Liquid FundMahindra Liquid FundAxis Liquid Fund
Point 1Bottom quartile AUM (₹503 Cr).Lower mid AUM (₹1,426 Cr).Upper mid AUM (₹10,214 Cr).Bottom quartile AUM (₹1,086 Cr).Highest AUM (₹37,358 Cr).
Point 2Established history (15+ yrs).Established history (17+ yrs).Oldest track record among peers (18 yrs).Established history (9+ yrs).Established history (16+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 2★ (bottom quartile).Not Rated.Top rated.
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: 6.59% (top quartile).1Y return: 6.57% (lower mid).1Y return: 6.53% (bottom quartile).1Y return: 6.58% (upper mid).
Point 61M return: 0.53% (top quartile).1M return: 0.46% (lower mid).1M return: 0.46% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).
Point 7Sharpe: 0.20 (bottom quartile).Sharpe: 3.84 (top quartile).Sharpe: 3.62 (lower mid).Sharpe: 3.71 (upper mid).Sharpe: 3.40 (bottom quartile).
Point 8Information ratio: -5.96 (bottom quartile).Information ratio: 1.15 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.66% (top quartile).Yield to maturity (debt): 5.94% (bottom quartile).Yield to maturity (debt): 5.92% (bottom quartile).Yield to maturity (debt): 6.06% (upper mid).Yield to maturity (debt): 5.98% (lower mid).
Point 10Modified duration: 0.10 yrs (upper mid).Modified duration: 0.14 yrs (bottom quartile).Modified duration: 0.09 yrs (top quartile).Modified duration: 0.13 yrs (bottom quartile).Modified duration: 0.11 yrs (lower mid).

IDBI Liquid Fund

  • Bottom quartile AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (upper 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).

BOI AXA Liquid Fund

  • Lower mid AUM (₹1,426 Cr).
  • Established history (17+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.59% (top quartile).
  • 1M return: 0.46% (lower mid).
  • Sharpe: 3.84 (top quartile).
  • Information ratio: 1.15 (top quartile).
  • Yield to maturity (debt): 5.94% (bottom quartile).
  • Modified duration: 0.14 yrs (bottom quartile).

Edelweiss Liquid Fund

  • Upper mid AUM (₹10,214 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.57% (lower mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.62 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 5.92% (bottom quartile).
  • Modified duration: 0.09 yrs (top quartile).

Mahindra Liquid Fund

  • Bottom quartile AUM (₹1,086 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Low.
  • 1Y return: 6.53% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.71 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.06% (upper mid).
  • Modified duration: 0.13 yrs (bottom quartile).

Axis Liquid Fund

  • Highest AUM (₹37,358 Cr).
  • Established history (16+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 6.58% (upper mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.40 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 5.98% (lower mid).
  • Modified duration: 0.11 yrs (lower mid).

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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
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 ₹564.944
↑ 0.12 		₹24,1291.53.17.47.57.96.66%5M 23D6M 18D
ICICI Prudential Ultra Short Term Fund Growth ₹28.5091
↑ 0.01 		₹19,7381.537.17.27.56.55%4M 13D5M 26D
SBI Magnum Ultra Short Duration Fund Growth ₹6,145.63
↑ 1.18 		₹15,5651.5377.17.46.35%5M 8D5M 23D
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 PlanIDBI Ultra Short Term FundAditya Birla Sun Life Savings FundICICI Prudential Ultra Short Term FundSBI Magnum Ultra Short Duration Fund
Point 1Bottom quartile AUM (₹297 Cr).Bottom quartile AUM (₹146 Cr).Highest AUM (₹24,129 Cr).Upper mid AUM (₹19,738 Cr).Lower mid AUM (₹15,565 Cr).
Point 2Established history (18+ yrs).Established history (15+ yrs).Established history (22+ yrs).Established history (14+ yrs).Oldest track record among peers (26 yrs).
Point 3Rating: 1★ (bottom quartile).Rating: 1★ (bottom quartile).Top rated.Rating: 3★ (upper mid).Rating: 3★ (lower mid).
Point 4Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: Moderately Low.Risk profile: Moderate.Risk profile: Low.
Point 51Y return: 13.69% (top quartile).1Y return: 6.39% (bottom quartile).1Y return: 7.40% (upper mid).1Y return: 7.10% (lower mid).1Y return: 6.99% (bottom quartile).
Point 61M return: 0.59% (top quartile).1M return: 0.52% (upper mid).1M return: 0.39% (bottom quartile).1M return: 0.39% (bottom quartile).1M return: 0.41% (lower mid).
Point 7Sharpe: 2.57 (bottom quartile).Sharpe: -0.57 (bottom quartile).Sharpe: 3.69 (top quartile).Sharpe: 3.17 (upper mid).Sharpe: 2.81 (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): 6.83% (top quartile).Yield to maturity (debt): 6.66% (upper mid).Yield to maturity (debt): 6.55% (lower mid).Yield to maturity (debt): 6.35% (bottom quartile).
Point 10Modified duration: 0.00 yrs (top quartile).Modified duration: 0.19 yrs (upper mid).Modified duration: 0.48 yrs (bottom quartile).Modified duration: 0.37 yrs (lower mid).Modified duration: 0.44 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 (bottom quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

IDBI Ultra Short Term Fund

  • Bottom quartile AUM (₹146 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (bottom quartile).
  • 1M return: 0.52% (upper mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.83% (top quartile).
  • Modified duration: 0.19 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹24,129 Cr).
  • Established history (22+ yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.40% (upper mid).
  • 1M return: 0.39% (bottom quartile).
  • Sharpe: 3.69 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.48 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

  • Upper mid AUM (₹19,738 Cr).
  • Established history (14+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.10% (lower mid).
  • 1M return: 0.39% (bottom quartile).
  • Sharpe: 3.17 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.55% (lower mid).
  • Modified duration: 0.37 yrs (lower mid).

SBI Magnum Ultra Short Duration Fund

  • Lower mid AUM (₹15,565 Cr).
  • Oldest track record among peers (26 yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.99% (bottom quartile).
  • 1M return: 0.41% (lower mid).
  • Sharpe: 2.81 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.35% (bottom quartile).
  • Modified duration: 0.44 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
UTI Money Market Fund Growth ₹3,178.68
↑ 0.47 		₹22,1981.537.57.67.76.19%4M 12D4M 12D
Aditya Birla Sun Life Money Manager Fund Growth ₹381.227
↑ 0.06 		₹32,5991.437.47.57.86.32%5M 23D5M 26D
ICICI Prudential Money Market Fund Growth ₹391.09
↑ 0.06 		₹35,5791.537.57.57.76.15%3M 17D3M 25D
Nippon India Money Market Fund Growth ₹4,276.92
↑ 0.67 		₹24,2391.437.47.57.86.27%4M 27D5M 7D
Tata Money Market Fund Growth ₹4,864.72
↑ 0.73 		₹41,1971.437.47.57.70%
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryUTI Money Market FundAditya Birla Sun Life Money Manager FundICICI Prudential Money Market FundNippon India Money Market FundTata Money Market Fund
Point 1Bottom quartile AUM (₹22,198 Cr).Lower mid AUM (₹32,599 Cr).Upper mid AUM (₹35,579 Cr).Bottom quartile AUM (₹24,239 Cr).Highest AUM (₹41,197 Cr).
Point 2Established history (16+ yrs).Established history (20+ yrs).Established history (19+ yrs).Established history (20+ yrs).Oldest track record among peers (22 yrs).
Point 3Rating: 4★ (upper mid).Top rated.Rating: 4★ (lower 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: 7.50% (top quartile).1Y return: 7.40% (bottom quartile).1Y return: 7.46% (upper mid).1Y return: 7.45% (lower mid).1Y return: 7.42% (bottom quartile).
Point 61M return: 0.43% (upper mid).1M return: 0.40% (bottom quartile).1M return: 0.44% (top quartile).1M return: 0.42% (lower mid).1M return: 0.41% (bottom quartile).
Point 7Sharpe: 3.06 (upper mid).Sharpe: 3.16 (top quartile).Sharpe: 2.82 (bottom quartile).Sharpe: 2.94 (lower mid).Sharpe: 2.94 (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): 6.19% (lower mid).Yield to maturity (debt): 6.32% (top quartile).Yield to maturity (debt): 6.15% (bottom quartile).Yield to maturity (debt): 6.27% (upper mid).Yield to maturity (debt): 0.00% (bottom quartile).
Point 10Modified duration: 0.37 yrs (lower mid).Modified duration: 0.48 yrs (bottom quartile).Modified duration: 0.30 yrs (upper mid).Modified duration: 0.41 yrs (bottom quartile).Modified duration: 0.00 yrs (top quartile).

UTI Money Market Fund

  • Bottom quartile AUM (₹22,198 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.50% (top quartile).
  • 1M return: 0.43% (upper mid).
  • Sharpe: 3.06 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.19% (lower mid).
  • Modified duration: 0.37 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

  • Lower mid AUM (₹32,599 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.40% (bottom quartile).
  • 1M return: 0.40% (bottom quartile).
  • Sharpe: 3.16 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.32% (top quartile).
  • Modified duration: 0.48 yrs (bottom quartile).

ICICI Prudential Money Market Fund

  • Upper mid AUM (₹35,579 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.46% (upper mid).
  • 1M return: 0.44% (top quartile).
  • Sharpe: 2.82 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.15% (bottom quartile).
  • Modified duration: 0.30 yrs (upper mid).

Nippon India Money Market Fund

  • Bottom quartile AUM (₹24,239 Cr).
  • Established history (20+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.45% (lower mid).
  • 1M return: 0.42% (lower mid).
  • Sharpe: 2.94 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.27% (upper mid).
  • Modified duration: 0.41 yrs (bottom quartile).

Tata Money Market Fund

  • Highest AUM (₹41,197 Cr).
  • Oldest track record among peers (22 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.42% (bottom quartile).
  • 1M return: 0.41% (bottom quartile).
  • Sharpe: 2.94 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 0.00% (bottom quartile).
  • Modified duration: 0.00 yrs (top quartile).

*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 (lower mid).
  • 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
30 Nov 20₹10,000
30 Nov 21₹11,164

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. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Liquid Fund

  • Lower mid AUM (₹503 Cr).
  • Established history (15+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 6.55% (bottom quartile).
  • 1M return: 0.53% (upper mid).
  • Sharpe: 0.20 (bottom quartile).
  • Information ratio: -5.96 (bottom quartile).
  • Yield to maturity (debt): 6.66% (upper mid).
  • Modified duration: 0.10 yrs (upper mid).
  • Average maturity: 0.11 yrs (top quartile).
  • Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (28 Jul 23) ₹2,454.04 ↑ 0.35   (0.01 %)
Net Assets (Cr) ₹503 on 30 Jun 23
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating ☆☆☆
Risk Low
Expense Ratio 0.17
Sharpe Ratio 0.2
Information Ratio -5.96
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,335
30 Nov 22₹10,812

IDBI Liquid 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 IDBI Liquid Fund

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

DurationReturns
1 Month 0.5%
3 Month 1.7%
6 Month 3.4%
1 Year 6.6%
3 Year 4.5%
5 Year 5.3%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Liquid Fund
NameSinceTenure

Data below for IDBI Liquid Fund as on 30 Jun 23

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

3. IDBI Ultra Short Term Fund

The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for IDBI Ultra Short Term Fund

  • Bottom quartile AUM (₹146 Cr).
  • Established history (15+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 6.39% (bottom quartile).
  • 1M return: 0.52% (lower mid).
  • Sharpe: -0.57 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.83% (top quartile).
  • Modified duration: 0.19 yrs (lower mid).
  • Average maturity: 0.23 yrs (upper mid).
  • Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund
Growth
Launch Date 3 Sep 10
NAV (28 Jul 23) ₹2,424.68 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹146 on 30 Jun 23
Category Debt - Ultrashort Bond
AMC IDBI Asset Management Limited
Rating ☆
Risk Moderately Low
Expense Ratio 0.6
Sharpe Ratio -0.57
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.83%
Effective Maturity 2 Months 23 Days
Modified Duration 2 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,403
30 Nov 22₹10,847

IDBI Ultra Short Term 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 IDBI Ultra Short Term 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 3.4%
1 Year 6.4%
3 Year 4.8%
5 Year 5.5%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Ultra Short Term Fund
NameSinceTenure

Data below for IDBI Ultra Short Term Fund as on 30 Jun 23

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

4. Aditya Birla Sun Life Savings Fund

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

Research Highlights for Aditya Birla Sun Life Savings Fund

  • Highest AUM (₹24,129 Cr).
  • Oldest track record among peers (22 yrs).
  • Top rated.
  • Risk profile: Moderately Low.
  • 1Y return: 7.40% (lower mid).
  • 1M return: 0.39% (bottom quartile).
  • Sharpe: 3.69 (top quartile).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.66% (lower mid).
  • Modified duration: 0.48 yrs (bottom quartile).
  • Average maturity: 0.55 yrs (bottom quartile).
  • Exit load: NIL.
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Conservative stance with elevated cash (~49%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Shriram Finance Limited (~2.6%).

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

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (19 Dec 25) ₹564.944 ↑ 0.12   (0.02 %)
Net Assets (Cr) ₹24,129 on 15 Dec 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating ☆☆☆☆☆
Risk Moderately Low
Expense Ratio 0.55
Sharpe Ratio 3.69
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.66%
Effective Maturity 6 Months 18 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,392
30 Nov 22₹10,859
30 Nov 23₹11,636
30 Nov 24₹12,535
30 Nov 25₹13,491

Aditya Birla Sun Life 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 Aditya Birla Sun Life Savings Fund

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

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 3.1%
1 Year 7.4%
3 Year 7.5%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1411.38 Yr.
Kaustubh Gupta15 Jul 1114.31 Yr.
Monika Gandhi22 Mar 214.62 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 25

Asset Allocation
Asset ClassValue
Cash49.2%
Debt50.56%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate47.85%
Cash Equivalent39.2%
Government12.71%
Credit Quality
RatingValue
AA28.73%
AAA71.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Limited
Debentures | -		3%₹614 Cr60,000
Nirma Limited
Debentures | -		2%₹487 Cr48,500
07.22 GJ Sdl 2028
Sovereign Bonds | -		2%₹376 Cr37,500,000
Muthoot Finance Limited
Debentures | -		2%₹352 Cr35,000
↑ 10,000
Mankind Pharma Limited
Debentures | -		1%₹348 Cr34,500
Bank of Baroda
Debentures | -		1%₹344 Cr7,000
National Bank For Agriculture And Rural Development
Debentures | -		1%₹341 Cr3,400
Avanse Financial Services Limited
Debentures | -		1%₹301 Cr30,000
Power Finance Corporation Limited
Debentures | -		1%₹298 Cr30,000
ICICI Home Finance Company Limited
Debentures | -		1%₹272 Cr27,000

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

  • Upper mid AUM (₹22,198 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 7.50% (upper mid).
  • 1M return: 0.43% (bottom quartile).
  • Sharpe: 3.06 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.19% (bottom quartile).
  • Modified duration: 0.37 yrs (bottom quartile).
  • Average maturity: 0.37 yrs (lower mid).
  • Exit load: NIL.
  • Top sector: Real Estate.
  • Top bond sector: Cash Equivalent.
  • Conservative stance with elevated cash (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 364 Days Tbill (Md 05/03/2026) (~2.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund
Growth
Launch Date 13 Jul 09
NAV (19 Dec 25) ₹3,178.68 ↑ 0.47   (0.01 %)
Net Assets (Cr) ₹22,198 on 30 Nov 25
Category Debt - Money Market
AMC UTI Asset Management Company Ltd
Rating ☆☆☆☆
Risk Low
Expense Ratio 0.25
Sharpe Ratio 3.06
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.19%
Effective Maturity 4 Months 12 Days
Modified Duration 4 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Nov 20₹10,000
30 Nov 21₹10,373
30 Nov 22₹10,853
30 Nov 23₹11,660
30 Nov 24₹12,559
30 Nov 25₹13,512

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 0.4%
3 Month 1.5%
6 Month 3%
1 Year 7.5%
3 Year 7.6%
5 Year 6.2%
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 213.92 Yr.
Amit Sharma7 Jul 178.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash87.49%
Debt12.26%
Other0.25%
Debt Sector Allocation
SectorValue
Cash Equivalent43.55%
Corporate38.07%
Government18.13%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -		2%₹492 Cr5,000,000,000
364 DTB 19mar2026
Sovereign Bonds | -		2%₹491 Cr5,000,000,000
364 Days Tbill Red 12-03-2026
Sovereign Bonds | -		1%₹246 Cr2,500,000,000
182 DAYS T-BILL - 19/03/2026
Sovereign Bonds | -		1%₹245 Cr2,500,000,000
364 DTB 12022026
Sovereign Bonds | -		1%₹197 Cr2,000,000,000
364 DTB 27022026
Sovereign Bonds | -		1%₹197 Cr2,000,000,000
182 Days T-Bill - 14/05/2026
Sovereign Bonds | -		1%₹195 Cr2,000,000,000
↑ 2,000,000,000
182 Days Tbill Red 28-05-2026
Sovereign Bonds | -		1%₹174 Cr1,750,000,000
HDFC Bank Ltd.
Debentures | -		1%₹150 Cr1,500,000,000
↑ 1,500,000,000
HDFC Bank Ltd.
Debentures | -		1%₹147 Cr1,500,000,000

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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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