ਘੱਟ ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਚੋਟੀ ਦੇ 4 ਮਿਉਚੁਅਲ ਫੰਡ

Updated on November 6, 2025 , 3473 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	₹3,573.33 ↑ 0.50	₹5,505	1.4	2.7	6	6.4	6.7	5.4%	2D	2D
SBI Overnight Fund Growth	₹4,235.93 ↑ 0.59	₹23,903	1.3	2.7	5.9	6.3	6.6	5.41%	1D	1D
HDFC Overnight Fund Growth	₹3,874.44 ↑ 0.53	₹11,247	1.3	2.7	5.9	6.3	6.6	5.4%	1D	1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Nov 25

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹5,505 Cr).	Highest AUM (₹23,903 Cr).	Lower mid AUM (₹11,247 Cr).
Point 2	Established history (21+ yrs).	Oldest track record among peers (23 yrs).	Established history (23+ 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: 5.96% (upper mid).	1Y return: 5.92% (lower mid).	1Y return: 5.87% (bottom quartile).
Point 6	1M return: 0.45% (upper mid).	1M return: 0.45% (lower mid).	1M return: 0.45% (bottom quartile).
Point 7	Sharpe: -9.49 (upper mid).	Sharpe: -10.39 (lower mid).	Sharpe: -23.46 (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): 5.40% (lower mid).	Yield to maturity (debt): 5.41% (upper mid).	Yield to maturity (debt): 5.40% (bottom quartile).
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 (₹5,505 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.96% (upper mid).
1M return: 0.45% (upper mid).
Sharpe: -9.49 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.40% (lower mid).
Modified duration: 0.01 yrs (bottom quartile).

SBI Overnight Fund

Highest AUM (₹23,903 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.92% (lower mid).
1M return: 0.45% (lower mid).
Sharpe: -10.39 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.41% (upper mid).
Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

Lower mid AUM (₹11,247 Cr).
Established history (23+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.87% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: -23.46 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.40% (bottom quartile).
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
BOI AXA Liquid Fund Growth	₹3,069.65 ↑ 0.48	₹1,824	0.5	1.4	3	6.7	7.4	5.82%	1M 10D	1M 10D
Edelweiss Liquid Fund Growth	₹3,407.6 ↑ 0.55	₹10,218	0.5	1.4	3	6.7	7.3	5.83%	1M 10D	1M 10D
Axis Liquid Fund Growth	₹2,966.76 ↑ 0.48	₹37,122	0.5	1.4	3	6.7	7.4	5.9%	1M 9D	1M 11D
Mahindra Liquid Fund Growth	₹1,734.05 ↑ 0.28	₹1,231	0.5	1.4	3	6.7	7.4	5.93%	1M 6D	1M 8D
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	BOI AXA Liquid Fund	Edelweiss Liquid Fund	Axis Liquid Fund	Mahindra Liquid Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Lower mid AUM (₹1,824 Cr).	Upper mid AUM (₹10,218 Cr).	Highest AUM (₹37,122 Cr).	Bottom quartile AUM (₹1,231 Cr).
Point 2	Established history (15+ yrs).	Established history (17+ yrs).	Oldest track record among peers (18 yrs).	Established history (16+ yrs).	Established history (9+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Top rated.	Not Rated.
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (bottom quartile).	1Y return: 6.72% (top quartile).	1Y return: 6.69% (lower mid).	1Y return: 6.72% (upper mid).	1Y return: 6.66% (bottom quartile).
Point 6	1M return: 0.53% (top quartile).	1M return: 0.48% (upper mid).	1M return: 0.47% (bottom quartile).	1M return: 0.47% (bottom quartile).	1M return: 0.48% (lower mid).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 4.59 (top quartile).	Sharpe: 3.91 (upper mid).	Sharpe: 3.41 (bottom quartile).	Sharpe: 3.61 (lower mid).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 0.74 (top quartile).	Information ratio: 0.00 (upper mid).	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): 5.82% (bottom quartile).	Yield to maturity (debt): 5.83% (bottom quartile).	Yield to maturity (debt): 5.90% (lower mid).	Yield to maturity (debt): 5.93% (upper mid).
Point 10	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.10 yrs (top quartile).

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 (₹1,824 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.72% (top quartile).
1M return: 0.48% (upper mid).
Sharpe: 4.59 (top quartile).
Information ratio: 0.74 (top quartile).
Yield to maturity (debt): 5.82% (bottom quartile).
Modified duration: 0.11 yrs (bottom quartile).

Edelweiss Liquid Fund

Upper mid AUM (₹10,218 Cr).
Oldest track record among peers (18 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.69% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.91 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.83% (bottom quartile).
Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹37,122 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.72% (upper mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.41 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.90% (lower mid).
Modified duration: 0.11 yrs (lower mid).

Mahindra Liquid Fund

Bottom quartile AUM (₹1,231 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.66% (bottom quartile).
1M return: 0.48% (lower mid).
Sharpe: 3.61 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.93% (upper mid).
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।

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
Aditya Birla Sun Life Savings Fund Growth	₹561.536 ↑ 0.05	₹21,521	1.6	3.5	7.7	7.5	7.9	6.76%	5M 8D	6M 11D
ICICI Prudential Ultra Short Term Fund Growth	₹28.3402 ↑ 0.01	₹16,980	1.5	3.4	7.3	7.2	7.5	6.66%	4M 20D	7M 2D
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
SBI Magnum Ultra Short Duration Fund Growth	₹6,107.83 ↑ 1.26	₹15,525	1.5	3.2	7.1	7.2	7.4	6.22%	5M 8D	6M
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	Aditya Birla Sun Life Savings Fund	ICICI Prudential Ultra Short Term Fund	IDBI Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund
Point 1	Bottom quartile AUM (₹297 Cr).	Highest AUM (₹21,521 Cr).	Upper mid AUM (₹16,980 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹15,525 Cr).
Point 2	Established history (17+ yrs).	Established history (22+ yrs).	Established history (14+ yrs).	Established history (15+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 1★ (bottom quartile).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 7.67% (upper mid).	1Y return: 7.27% (lower mid).	1Y return: 6.39% (bottom quartile).	1Y return: 7.11% (bottom quartile).
Point 6	1M return: 0.59% (top quartile).	1M return: 0.53% (upper mid).	1M return: 0.51% (bottom quartile).	1M return: 0.52% (lower mid).	1M return: 0.48% (bottom quartile).
Point 7	Sharpe: 2.57 (bottom quartile).	Sharpe: 3.66 (top quartile).	Sharpe: 2.88 (upper mid).	Sharpe: -0.57 (bottom quartile).	Sharpe: 2.74 (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): 6.76% (upper mid).	Yield to maturity (debt): 6.66% (lower mid).	Yield to maturity (debt): 6.83% (top quartile).	Yield to maturity (debt): 6.22% (bottom quartile).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.39 yrs (lower mid).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.44 yrs (bottom quartile).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

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

Aditya Birla Sun Life Savings Fund

Highest AUM (₹21,521 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.67% (upper mid).
1M return: 0.53% (upper mid).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.27% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.66% (lower mid).
Modified duration: 0.39 yrs (lower mid).

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 (bottom quartile).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹15,525 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.11% (bottom quartile).
1M return: 0.48% (bottom quartile).
Sharpe: 2.74 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.22% (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।

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Money Market Fund Growth	₹3,158.31 ↑ 0.59	₹19,496	1.5	3.4	7.6	7.6	7.7	6.22%	5M 27D	5M 28D
Aditya Birla Sun Life Money Manager Fund Growth	₹378.913 ↑ 0.07	₹27,665	1.5	3.4	7.6	7.6	7.8	6.24%	5M 12D	5M 12D
Nippon India Money Market Fund Growth	₹4,250.32 ↑ 0.71	₹23,881	1.5	3.3	7.6	7.6	7.8	6.27%	5M 11D	5M 21D
Tata Money Market Fund Growth	₹4,834.67 ↑ 0.83	₹38,965	1.5	3.3	7.6	7.6	7.7	6.22%	5M 12D	5M 12D
ICICI Prudential Money Market Fund Growth	₹388.558 ↑ 0.07	₹37,137	1.4	3.3	7.6	7.6	7.7	6.17%	5M 1D	5M 11D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	UTI Money Market Fund	Aditya Birla Sun Life Money Manager Fund	Nippon India Money Market Fund	Tata Money Market Fund	ICICI Prudential Money Market Fund
Point 1	Bottom quartile AUM (₹19,496 Cr).	Lower mid AUM (₹27,665 Cr).	Bottom quartile AUM (₹23,881 Cr).	Highest AUM (₹38,965 Cr).	Upper mid AUM (₹37,137 Cr).
Point 2	Established history (16+ yrs).	Established history (20+ yrs).	Established history (20+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).
Point 3	Rating: 4★ (upper mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 7.64% (top quartile).	1Y return: 7.57% (bottom quartile).	1Y return: 7.59% (upper mid).	1Y return: 7.58% (bottom quartile).	1Y return: 7.59% (lower mid).
Point 6	1M return: 0.48% (top quartile).	1M return: 0.48% (upper mid).	1M return: 0.47% (lower mid).	1M return: 0.47% (bottom quartile).	1M return: 0.47% (bottom quartile).
Point 7	Sharpe: 3.22 (upper mid).	Sharpe: 3.32 (top quartile).	Sharpe: 3.09 (lower mid).	Sharpe: 3.08 (bottom quartile).	Sharpe: 3.02 (bottom quartile).
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): 6.22% (lower mid).	Yield to maturity (debt): 6.24% (upper mid).	Yield to maturity (debt): 6.27% (top quartile).	Yield to maturity (debt): 6.22% (bottom quartile).	Yield to maturity (debt): 6.17% (bottom quartile).
Point 10	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.45 yrs (lower mid).	Modified duration: 0.45 yrs (upper mid).	Modified duration: 0.45 yrs (bottom quartile).	Modified duration: 0.42 yrs (top quartile).

UTI Money Market Fund

Bottom quartile AUM (₹19,496 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.64% (top quartile).
1M return: 0.48% (top quartile).
Sharpe: 3.22 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.22% (lower mid).
Modified duration: 0.49 yrs (bottom quartile).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹27,665 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.57% (bottom quartile).
1M return: 0.48% (upper mid).
Sharpe: 3.32 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.24% (upper mid).
Modified duration: 0.45 yrs (lower mid).

Nippon India Money Market Fund

Bottom quartile AUM (₹23,881 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.59% (upper mid).
1M return: 0.47% (lower mid).
Sharpe: 3.09 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.27% (top quartile).
Modified duration: 0.45 yrs (upper mid).

Tata Money Market Fund

Highest AUM (₹38,965 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.58% (bottom quartile).
1M return: 0.47% (bottom quartile).
Sharpe: 3.08 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.22% (bottom quartile).
Modified duration: 0.45 yrs (bottom quartile).

ICICI Prudential Money Market Fund

Upper mid AUM (₹37,137 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.59% (lower mid).
1M return: 0.47% (bottom quartile).
Sharpe: 3.02 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.42 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 (17+ 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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,956

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. 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 (₹21,521 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.67% (upper mid).
1M return: 0.53% (lower mid).
Sharpe: 3.66 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.76% (upper mid).
Modified duration: 0.44 yrs (bottom quartile).
Average maturity: 0.53 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~45%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.8%).

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 (07 Nov 25)	₹561.536 ↑ 0.05 (0.01 %)
Net Assets (Cr)	₹21,521 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.66
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.76%
Effective Maturity	6 Months 11 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

Aditya Birla Sun Life Savings 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 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

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.5%
1 Year	7.7%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.29 Yr.
Kaustubh Gupta	15 Jul 11	14.22 Yr.
Monika Gandhi	22 Mar 21	4.53 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	45.26%
Debt	54.49%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	52.07%
Cash Equivalent	32.08%
Government	15.6%

Credit Quality

Rating	Value
AA	30.39%
AAA	69.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹377 Cr	37,500,000
Mankind Pharma Limited Debentures \| -	2%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	2%	₹343 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹299 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹271 Cr	27,000
Bharti Telecom Limited Debentures \| -	1%	₹260 Cr	2,600

3. 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★ (upper 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% (lower 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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,332
31 Oct 22	₹10,783

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

4. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

Research Highlights for ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹16,980 Cr).
Established history (14+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.27% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 2.88 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.39 yrs (bottom quartile).
Average maturity: 0.59 yrs (bottom quartile).
Exit load: 0-1 Months (0.5%),1 Months and above(NIL).
Top sector: Energy.
Top bond sector: Corporate.
Conservative stance with elevated cash (~51%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.11% Govt Stock 2028 (~4.0%).

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (07 Nov 25)	₹28.3402 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹16,980 on 15 Sep 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	2.88
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity	6.66%
Effective Maturity	7 Months 2 Days
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,410
31 Oct 22	₹10,833
31 Oct 23	₹11,585
31 Oct 24	₹12,446
31 Oct 25	₹13,352

ICICI Prudential 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 ICICI Prudential 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	1.5%
6 Month	3.4%
1 Year	7.3%
3 Year	7.2%
5 Year	6%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.9%
2022	4.5%
2021	4%
2020	6.5%
2019	8.4%
2018	7.5%
2017	6.9%
2016	9.8%
2015	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.88 Yr.
Ritesh Lunawat	15 Jun 17	8.3 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	50.57%
Debt	49.16%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	49.4%
Cash Equivalent	29.95%
Government	17.7%
Securitized	2.69%

Credit Quality

Rating	Value
AA	20.79%
AAA	79.21%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	4%	₹676 Cr	66,961,000 ↓ -5,357,200
LIC Housing Finance Ltd Debentures \| -	4%	₹601 Cr	6,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹579 Cr	57,500
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹455 Cr	450
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹376 Cr	3,750
Small Industries Development Bank Of India Debentures \| -	2%	₹352 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹301 Cr	30,000
Piramal Finance Limited Debentures \| -	2%	₹276 Cr	27,500
Larsen And Toubro Limited Debentures \| -	1%	₹250 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	1%	₹226 Cr	2,250

5. 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% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
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.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,420
31 Oct 22	₹10,840

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

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