ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਚੋਟੀ ਦੇ 4 ਮਿਉਚੁਅਲ ਫੰਡ

Updated on June 18, 2026 , 3942 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। 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।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Overnight Fund Growth	₹3,686.3 ↑ 0.51	₹4,259	1.3	2.5	5.3	6.1	5.8	5.35%	2D	2D
SBI Overnight Fund Growth	₹4,368.54 ↑ 0.61	₹27,025	1.3	2.5	5.2	6.1	5.7	5.36%	1D	1D
HDFC Overnight Fund Growth	₹3,994.99 ↑ 0.55	₹10,587	1.3	2.5	5.2	6.1	5.7	5.37%	1D	1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹4,259 Cr).	Highest AUM (₹27,025 Cr).	Lower mid AUM (₹10,587 Cr).
Point 2	Established history (22+ yrs).	Established history (23+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 5.29% (upper mid).	1Y return: 5.25% (lower mid).	1Y return: 5.21% (bottom quartile).
Point 6	1M return: 0.43% (lower mid).	1M return: 0.43% (upper mid).	1M return: 0.43% (bottom quartile).
Point 7	Sharpe: -14.93 (upper mid).	Sharpe: -16.70 (lower mid).	Sharpe: -19.07 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 5.35% (bottom quartile).	Yield to maturity (debt): 5.36% (lower mid).	Yield to maturity (debt): 5.37% (upper mid).
Point 10	Modified duration: 0.01 yrs (bottom quartile).	Modified duration: 0.00 yrs (upper mid).	Modified duration: 0.00 yrs (lower mid).

UTI Overnight Fund

Bottom quartile AUM (₹4,259 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.29% (upper mid).
1M return: 0.43% (lower mid).
Sharpe: -14.93 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.35% (bottom quartile).
Modified duration: 0.01 yrs (bottom quartile).

SBI Overnight Fund

Highest AUM (₹27,025 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.25% (lower mid).
1M return: 0.43% (upper mid).
Sharpe: -16.70 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.36% (lower mid).
Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

Lower mid AUM (₹10,587 Cr).
Oldest track record among peers (24 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.21% (bottom quartile).
1M return: 0.43% (bottom quartile).
Sharpe: -19.07 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.37% (upper mid).
Modified duration: 0.00 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।

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
IDBI Liquid Fund Growth	₹2,454.04 ↑ 0.35	₹503	0.5	1.7	3.4	6.6		6.66%	1M 7D	1M 10D
Axis Liquid Fund Growth	₹3,084.94 ↑ 0.50	₹56,168	0.6	1.8	3.3	6.3	6.6	6.23%	1M 5D	1M 5D
PGIM India Insta Cash Fund Growth	₹360.551 ↑ 0.06	₹612	0.6	1.8	3.3	6.2	6.5	6.57%	1M 10D	1M 10D
DSP Liquidity Fund Growth	₹3,954.39 ↑ 0.63	₹19,019	0.6	1.8	3.3	6.3	6.5	0%	1M 1D
Edelweiss Liquid Fund Growth	₹3,542.61 ↑ 0.60	₹15,222	0.6	1.8	3.3	6.3	6.5	6.51%	1M 6D	1M 6D
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

Commentary	IDBI Liquid Fund	Axis Liquid Fund	PGIM India Insta Cash Fund	DSP Liquidity Fund	Edelweiss Liquid Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Highest AUM (₹56,168 Cr).	Bottom quartile AUM (₹612 Cr).	Upper mid AUM (₹19,019 Cr).	Lower mid AUM (₹15,222 Cr).
Point 2	Established history (15+ yrs).	Established history (16+ yrs).	Established history (18+ yrs).	Oldest track record among peers (20 yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (top quartile).	1Y return: 6.29% (upper mid).	1Y return: 6.25% (bottom quartile).	1Y return: 6.26% (bottom quartile).	1Y return: 6.28% (lower mid).
Point 6	1M return: 0.53% (bottom quartile).	1M return: 0.63% (upper mid).	1M return: 0.63% (lower mid).	1M return: 0.63% (top quartile).	1M return: 0.62% (bottom quartile).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 2.39 (top quartile).	Sharpe: 2.23 (lower mid).	Sharpe: 2.26 (upper mid).	Sharpe: 2.22 (bottom quartile).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.62 (top quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.66% (top quartile).	Yield to maturity (debt): 6.23% (bottom quartile).	Yield to maturity (debt): 6.57% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.51% (lower mid).
Point 10	Modified duration: 0.10 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.09 yrs (top quartile).	Modified duration: 0.10 yrs (lower mid).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (bottom 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 (bottom quartile).

Axis Liquid Fund

Highest AUM (₹56,168 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.29% (upper mid).
1M return: 0.63% (upper mid).
Sharpe: 2.39 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.23% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).

PGIM India Insta Cash Fund

Bottom quartile AUM (₹612 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.63% (lower mid).
Sharpe: 2.23 (lower mid).
Information ratio: 0.62 (top quartile).
Yield to maturity (debt): 6.57% (upper mid).
Modified duration: 0.11 yrs (bottom quartile).

DSP Liquidity Fund

Upper mid AUM (₹19,019 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.26% (bottom quartile).
1M return: 0.63% (top quartile).
Sharpe: 2.26 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.09 yrs (top quartile).

Edelweiss Liquid Fund

Lower mid AUM (₹15,222 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.28% (lower mid).
1M return: 0.62% (bottom quartile).
Sharpe: 2.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 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।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth	₹34.9131 ↑ 0.04	₹297	1.3	5.9	13.7	8.8		0%		1Y 15D
IDBI Ultra Short Term Fund Growth	₹2,424.68 ↑ 0.44	₹146	1.6	3.4	6.4	4.8		6.83%	2M 10D	2M 23D
Nippon India Ultra Short Duration Fund Growth	₹4,266.59 ↑ 0.66	₹10,938	1.7	3.1	6	6.8	6.8	7.83%	5M 1D	7M 3D
ICICI Prudential Ultra Short Term Fund Growth	₹29.3702 ↑ 0.01	₹16,002	1.7	3	6.1	7	7.1	7.79%	5M 8D	6M 11D
Aditya Birla Sun Life Savings Fund Growth	₹581.802 ↑ 0.10	₹19,611	1.6	3	6.2	7.2	7.4	7.98%	5M 16D	6M 25D
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

Commentary	Franklin India Ultra Short Bond Fund - Super Institutional Plan	IDBI Ultra Short Term Fund	Nippon India Ultra Short Duration Fund	ICICI Prudential Ultra Short Term Fund	Aditya Birla Sun Life Savings Fund
Point 1	Bottom quartile AUM (₹297 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹10,938 Cr).	Upper mid AUM (₹16,002 Cr).	Highest AUM (₹19,611 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Oldest track record among peers (24 yrs).	Established history (15+ yrs).	Established history (23+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Rating: 3★ (upper mid).	Top rated.
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.01% (bottom quartile).	1Y return: 6.11% (bottom quartile).	1Y return: 6.20% (lower mid).
Point 6	1M return: 0.59% (bottom quartile).	1M return: 0.52% (bottom quartile).	1M return: 0.69% (lower mid).	1M return: 0.73% (top quartile).	1M return: 0.70% (upper mid).
Point 7	Sharpe: 2.57 (top quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 0.34 (bottom quartile).	Sharpe: 0.53 (upper mid).	Sharpe: 0.52 (lower mid).
Point 8	Information 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 9	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.83% (bottom quartile).	Yield to maturity (debt): 7.83% (upper mid).	Yield to maturity (debt): 7.79% (lower mid).	Yield to maturity (debt): 7.98% (top quartile).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.42 yrs (lower mid).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.46 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% (bottom 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).

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% (upper mid).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (upper mid).

Nippon India Ultra Short Duration Fund

Lower mid AUM (₹10,938 Cr).
Oldest track record among peers (24 yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 6.01% (bottom quartile).
1M return: 0.69% (lower mid).
Sharpe: 0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.83% (upper mid).
Modified duration: 0.42 yrs (lower mid).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,002 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 6.11% (bottom quartile).
1M return: 0.73% (top quartile).
Sharpe: 0.53 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.79% (lower mid).
Modified duration: 0.44 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹19,611 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.20% (lower mid).
1M return: 0.70% (upper mid).
Sharpe: 0.52 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.98% (top quartile).
Modified duration: 0.46 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।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Tata Money Market Fund Growth	₹5,012.12 ↑ 0.61	₹33,030	1.7	3	6.1	7.2	7.4	7.79%	7M 1D	7M 1D
Bandhan Money Manager Fund Growth	₹42.7704 ↑ 0.01	₹14,977	1.6	3	6.1	6.9	7.3	7.75%	7M 21D	7M 21D
Kotak Money Market Scheme Growth	₹4,765.41 ↑ 0.67	₹31,606	1.6	3	6.1	7.2	7.4	7.71%	7M 6D	7M 6D
HDFC Money Market Fund Growth	₹6,064.48 ↑ 1.07	₹28,705	1.6	3	6	7.2	7.4	7.71%	6M 15D	7M 2D
UTI Money Market Fund Growth	₹3,273.73 ↑ 0.51	₹18,611	1.6	3	6.1	7.3	7.5	7.58%	6M 20D	6M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Jun 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Tata Money Market Fund	Bandhan Money Manager Fund	Kotak Money Market Scheme	HDFC Money Market Fund	UTI Money Market Fund
Point 1	Highest AUM (₹33,030 Cr).	Bottom quartile AUM (₹14,977 Cr).	Upper mid AUM (₹31,606 Cr).	Lower mid AUM (₹28,705 Cr).	Bottom quartile AUM (₹18,611 Cr).
Point 2	Established history (23+ yrs).	Established history (23+ yrs).	Established history (22+ yrs).	Oldest track record among peers (26 yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 4★ (upper mid).
Point 4	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.10% (upper mid).	1Y return: 6.06% (lower mid).	1Y return: 6.05% (bottom quartile).	1Y return: 6.03% (bottom quartile).	1Y return: 6.10% (top quartile).
Point 6	1M return: 0.75% (top quartile).	1M return: 0.74% (upper mid).	1M return: 0.73% (bottom quartile).	1M return: 0.73% (bottom quartile).	1M return: 0.74% (lower mid).
Point 7	Sharpe: 0.48 (top quartile).	Sharpe: 0.39 (upper mid).	Sharpe: 0.24 (bottom quartile).	Sharpe: 0.21 (bottom quartile).	Sharpe: 0.35 (lower mid).
Point 8	Information 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 9	Yield to maturity (debt): 7.79% (top quartile).	Yield to maturity (debt): 7.75% (upper mid).	Yield to maturity (debt): 7.71% (lower mid).	Yield to maturity (debt): 7.71% (bottom quartile).	Yield to maturity (debt): 7.58% (bottom quartile).
Point 10	Modified duration: 0.59 yrs (lower mid).	Modified duration: 0.64 yrs (bottom quartile).	Modified duration: 0.60 yrs (bottom quartile).	Modified duration: 0.54 yrs (top quartile).	Modified duration: 0.56 yrs (upper mid).

Tata Money Market Fund

Highest AUM (₹33,030 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.10% (upper mid).
1M return: 0.75% (top quartile).
Sharpe: 0.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 0.59 yrs (lower mid).

Bandhan Money Manager Fund

Bottom quartile AUM (₹14,977 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.06% (lower mid).
1M return: 0.74% (upper mid).
Sharpe: 0.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.75% (upper mid).
Modified duration: 0.64 yrs (bottom quartile).

Kotak Money Market Scheme

Upper mid AUM (₹31,606 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.05% (bottom quartile).
1M return: 0.73% (bottom quartile).
Sharpe: 0.24 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.71% (lower mid).
Modified duration: 0.60 yrs (bottom quartile).

HDFC Money Market Fund

Lower mid AUM (₹28,705 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.03% (bottom quartile).
1M return: 0.73% (bottom quartile).
Sharpe: 0.21 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.71% (bottom quartile).
Modified duration: 0.54 yrs (top quartile).

UTI Money Market Fund

Bottom quartile AUM (₹18,611 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.10% (top quartile).
1M return: 0.74% (lower mid).
Sharpe: 0.35 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.58% (bottom quartile).
Modified duration: 0.56 yrs (upper 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).
Oldest track record among peers (18 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (lower mid).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (upper mid).
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.

Date	Value
31 May 21	₹10,000
31 May 22	₹11,535

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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% (upper mid).
1M return: 0.53% (bottom quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (upper mid).
Modified duration: 0.10 yrs (lower mid).
Average maturity: 0.11 yrs (lower mid).
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.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,353
31 May 23	₹10,999

IDBI Liquid Fund SIP 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Liquid Fund

Name	Since	Tenure

Data below for IDBI Liquid Fund as on 30 Jun 23

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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% (lower mid).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (bottom quartile).
Average maturity: 0.23 yrs (bottom quartile).
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.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,382
31 May 23	₹11,017

IDBI Ultra Short Term Fund SIP 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

Duration	Returns
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

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for IDBI Ultra Short Term Fund

Name	Since	Tenure

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

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

4. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Liquid Fund

Highest AUM (₹56,168 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.29% (bottom quartile).
1M return: 0.63% (top quartile).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.23% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.5%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (19 Jun 26)	₹3,084.94 ↑ 0.50 (0.02 %)
Net Assets (Cr)	₹56,168 on 31 May 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.23%
Effective Maturity	1 Month 5 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,349
31 May 23	₹11,001
31 May 24	₹11,804
31 May 25	₹12,662
31 May 26	₹13,446

Axis Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Liquid Fund

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

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.3%
1 Year	6.3%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.4%
2022	7.1%
2021	4.9%
2020	3.3%
2019	4.3%
2018	6.6%
2017	7.5%
2016	6.7%
2015	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.58 Yr.
Aditya Pagaria	13 Aug 16	9.81 Yr.
Sachin Jain	3 Jul 23	2.92 Yr.

Data below for Axis Liquid Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	68.85%
Corporate	24.16%
Government	6.8%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹1,785 Cr	179,500,000 ↑ 4,500,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹1,738 Cr	35,000
Reliance Jio Infocomm Limited Commercial Paper \| -	3%	₹1,498 Cr	30,000
Tbill Sovereign Bonds \| -	3%	₹1,494 Cr	150,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,291 Cr	26,000
Bank of Baroda Debentures \| -	2%	₹1,290 Cr	26,000 ↑ 6,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹1,247 Cr	25,000
India (Republic of) - \| -	2%	₹1,230 Cr	123,560,400
Tata Steel Ltd. Commercial Paper \| -	2%	₹995 Cr	20,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹991 Cr	20,000

5. PGIM India Insta Cash Fund

(Erstwhile DHFL Pramerica Insta Cash Plus Fund)

To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments.

Research Highlights for PGIM India Insta Cash Fund

Upper mid AUM (₹612 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.63% (upper mid).
Sharpe: 2.23 (lower mid).
Information ratio: 0.62 (top quartile).
Yield to maturity (debt): 6.57% (lower mid).
Modified duration: 0.11 yrs (bottom quartile).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd. (~13.8%).

Below is the key information for PGIM India Insta Cash Fund

PGIM India Insta Cash Fund Growth
Launch Date	5 Sep 07
NAV (19 Jun 26)	₹360.551 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹612 on 31 May 26
Category	Debt - Liquid Fund
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.23
Information Ratio	0.62
Alpha Ratio	-0.03
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.57%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 May 21	₹10,000
31 May 22	₹10,345
31 May 23	₹10,989
31 May 24	₹11,782
31 May 25	₹12,636
31 May 26	₹13,413

PGIM India Insta Cash Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for PGIM India Insta Cash 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

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.3%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	7.3%
2022	7%
2021	4.8%
2020	3.3%
2019	4.2%
2018	6.7%
2017	7.4%
2016	6.7%
2015	7.7%

Fund Manager information for PGIM India Insta Cash Fund

Name	Since	Tenure
Puneet Pal	16 Jul 22	3.88 Yr.
Akhil Dhar	25 Feb 26	0.26 Yr.

Data below for PGIM India Insta Cash Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	99.64%
Other	0.36%

Debt Sector Allocation

Sector	Value
Cash Equivalent	74.29%
Corporate	17.71%
Government	7.64%

Credit Quality

Rating	Value
AA	4.4%
AAA	95.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	14%	₹90 Cr
Bank of Baroda Debentures \| -	8%	₹50 Cr	5,000,000
Export Import Bank Of India Commercial Paper \| -	8%	₹50 Cr	5,000,000
India (Republic of) - \| -	8%	₹50 Cr	5,000,000 ↑ 5,000,000
Hsbc Investdirect Financial Services India Limited Certificate of Deposit \| -	6%	₹40 Cr	4,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	5%	₹35 Cr	3,500,000 ↑ 3,500,000
Aadhar Housing Finance Limited Debentures \| -	4%	₹25 Cr	2,500,000
Bank Of India Certificate of Deposit \| -	4%	₹25 Cr	2,500,000
The Federal Bank Limited Certificate of Deposit \| -	4%	₹25 Cr	2,500,000
Kotak Securities Limited Commercial Paper \| -	4%	₹25 Cr	2,500,000

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