Table of Contents

SIP இல் ஏன் முதலீடு செய்ய வேண்டும்?
FY 22 - 23 இல் 1 வருட முதலீட்டிற்கான சிறந்த SIP திட்டங்கள்
மியூச்சுவல் ஃபண்ட் SIP ஆன்லைனில் எப்படி முதலீடு செய்வது?
அடிக்கடி கேட்கப்படும் கேள்விகள்
Top 9 Funds

1 வருட முதலீட்டுக்கான 9 சிறந்த SIP திட்டங்கள் 2022

Updated on June 28, 2025 , 120672 views

சிறந்த SIP திட்டங்கள்? அவற்றை எவ்வாறு தேர்வு செய்வது? என்று நினைக்கும் போது முதலீட்டாளர்களின் மனதில் ஏற்படும் பொதுவான கேள்விகள் இவைமியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்தல் ஒரு மூலம்எஸ்ஐபி அல்லது முறையானமுதலீட்டுத் திட்டம்.

SIP முதலீடு மிகவும் ஒழுக்கமான ஒன்றாகும்முதலீடு முதலீடு செய்யும் போது விருப்பங்கள்பரஸ்பர நிதி. மேலும், SIP மியூச்சுவல் ஃபண்டில் முதலீடு செய்வதற்கான குறைந்தபட்சத் தொகை 500 ரூபாய்க்குக் குறைவாக உள்ளது. இது முதலீடு செய்ய வைக்கிறது.சிறந்த SIP மிகவும் வசதியான திட்டங்கள்.

SIP இல் ஏன் முதலீடு செய்ய வேண்டும்?

மியூச்சுவல் ஃபண்டுகளில் SIP முதலீடு சேமிப்புப் பழக்கத்தை வளர்ப்பதற்கு மிகவும் வசதியான வழியாகும். பெரும்பாலும் இளைய தலைமுறை சம்பாதிக்கும் மக்கள் அதிகம் சேமிப்பதில்லை. ஒரு முறையான முதலீட்டுத் திட்டத்தைப் பெற, ஆரம்பத் தொகை ரூ. 500 ஆகக் குறைவாக இருப்பதால், பெரிய அளவில் முதலீடு செய்யத் தேவையில்லை, மேலும் சில ஃபண்டுகள் மாதந்தோறும் INR 100க்கு SIP-ஐ வழங்குகின்றன. சிறுவயதிலிருந்தே, ஒருவர் தங்களுடைய சேமிப்பை முதலீடாகச் செய்யும் பழக்கத்தைப் பெறலாம். SIP, இதன் மூலம் ஒவ்வொரு மாதமும் சேமிக்க ஒரு நிலையான தொகையை ஒதுக்குகிறது. எனவே முறையான முதலீட்டுத் திட்டங்கள் ஸ்மார்ட் முதலீட்டின் மிக முக்கியமான கருவிகளில் ஒன்றாகும்.

உங்களுக்காக தயார்படுத்துவதற்கு SIP உங்களுக்கு உதவுகிறதுநிதி இலக்குகள் தொந்தரவு இல்லாத முறையில். ஒரு SIP வைத்திருப்பது மிகவும் வசதியானது, ஏனெனில் மியூச்சுவல் ஃபண்டுகள் ஆவணங்களை ஒரு முறை மட்டுமே செய்ய வேண்டும், அதன் பிறகு மாதாந்திரத் தொகைகள் டெபிட் செய்யப்படும்.வங்கி தலையீடு இல்லாமல் நேரடியாக கணக்கு. இதன் விளைவாக, SIP க்கு பிற முதலீடுகள் மற்றும் சேமிப்பு விருப்பங்கள் தேவைப்படும் முயற்சிகள் தேவையில்லை.

Ready to Invest?
Talk to our investment specialist

FY 22 - 23 இல் 1 வருட முதலீட்டிற்கான சிறந்த SIP திட்டங்கள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹548.961 ↑ 0.36	₹18,981	1,000	2.2	4.1	8.1	7.4	7.9	6.92%	4M 13D	5M 8D
ICICI Prudential Ultra Short Term Fund Growth	₹27.7294 ↑ 0.02	₹16,269	1,000	2	3.9	7.7	7.1	7.5	6.88%	5M 12D	8M 8D
Invesco India Ultra Short Term Fund Growth	₹2,699.47 ↑ 1.52	₹1,227	1,000	1.9	3.9	7.5	6.9	7.5	6.59%	5M 16D	5M 24D
Kotak Savings Fund Growth	₹42.9144 ↑ 0.02	₹15,401	1,000	1.9	3.8	7.5	6.9	7.2	6.63%	5M 23D	6M
Nippon India Ultra Short Duration Fund Growth	₹4,031.58 ↑ 2.31	₹8,772	100	1.9	3.8	7.4	6.8	7.2	6.98%	5M 16D	7M 25D
UTI Ultra Short Term Fund Growth	₹4,242.23 ↑ 2.32	₹4,351	500	1.9	3.7	7.4	6.8	7.2	6.73%	5M 11D	5M 16D
DSP BlackRock Money Manager Fund Growth	₹3,409.28 ↑ 1.78	₹4,011	500	1.8	3.8	7.3	6.7	6.9	6.79%	5M 8D	6M
BOI AXA Liquid Fund Growth	₹3,007.03 ↑ 0.89	₹1,849	1,000	1.7	3.5	7.2	7	7.4	5.91%	1M 24D	1M 28D
Indiabulls Liquid Fund Growth	₹2,525.35 ↑ 0.80	₹212	500	1.7	3.5	7.2	6.9	7.4	6.21%	1M 8D	1M 8D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 25

1. 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.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 (30 Jun 25)	₹548.961 ↑ 0.36 (0.06 %)
Net Assets (Cr)	₹18,981 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.11
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.92%
Effective Maturity	5 Months 8 Days
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,484
30 Jun 22	₹10,887
30 Jun 23	₹11,600
30 Jun 24	₹12,464
30 Jun 25	₹13,474

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 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	2.2%
6 Month	4.1%
1 Year	8.1%
3 Year	7.4%
5 Year	6.1%
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	10.96 Yr.
Kaustubh Gupta	15 Jul 11	13.89 Yr.
Monika Gandhi	22 Mar 21	4.2 Yr.

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

Asset Allocation

Asset Class	Value
Cash	41.07%
Debt	58.69%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	64.99%
Cash Equivalent	18.97%
Government	15.8%

Credit Quality

Rating	Value
AA	35.5%
AAA	64.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹613 Cr	60,000
Nirma Limited Debentures \| -	3%	₹489 Cr	48,500
Small Industries Development Bank of India Debentures \| -	2%	₹430 Cr	9,000
Gujarat (Government of) - \| -	2%	₹379 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹362 Cr	3,600
182 DTB 29082025 Sovereign Bonds \| -	2%	₹356 Cr	36,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹317 Cr	3,150
Mankind Pharma Limited Debentures \| -	2%	₹309 Cr	30,500
Avanse Financial Services Limited Debentures \| -	2%	₹301 Cr	30,000
Bharti Telecom Limited Debentures \| -	1%	₹271 Cr	2,700

2. 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.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

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 (30 Jun 25)	₹27.7294 ↑ 0.02 (0.06 %)
Net Assets (Cr)	₹16,269 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	2.27
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	6.88%
Effective Maturity	8 Months 8 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,502
30 Jun 22	₹10,888
30 Jun 23	₹11,583
30 Jun 24	₹12,411
30 Jun 25	₹13,362

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 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	2%
6 Month	3.9%
1 Year	7.7%
3 Year	7.1%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

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	8.55 Yr.
Ritesh Lunawat	15 Jun 17	7.97 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	44.32%
Debt	55.45%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	58.66%
Government	22.39%
Cash Equivalent	18.73%

Credit Quality

Rating	Value
AA	17.33%
AAA	82.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.11% Govt Stock 2028 Sovereign Bonds \| -	6%	₹1,047 Cr	103,500,000 ↓ -5,500,000
LIC Housing Finance Ltd Debentures \| -	4%	₹602 Cr	6,000
182 Days Tbill Sovereign Bonds \| -	3%	₹492 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹384 Cr	38,000 ↑ 7,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹377 Cr	3,750 ↑ 1,000
Bharti Telecom Limited Debentures \| -	2%	₹347 Cr	34,500
Larsen And Toubro Limited Debentures \| -	2%	₹251 Cr	25,000
LIC Housing Finance Ltd Debentures \| -	1%	₹226 Cr	2,250
HDFC Bank Ltd. Debentures \| -	1%	₹214 Cr	4,500
Oberoi Realty Limited Debentures \| -	1%	₹202 Cr	20,000

3. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (30 Jun 25)	₹2,699.47 ↑ 1.52 (0.06 %)
Net Assets (Cr)	₹1,227 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	2.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.59%
Effective Maturity	5 Months 24 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,324
30 Jun 22	₹10,639
30 Jun 23	₹11,277
30 Jun 24	₹12,079
30 Jun 25	₹12,988

Invesco India 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 Invesco India 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 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.9%
1 Year	7.5%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	6.6%
2022	4.1%
2021	3%
2020	5.1%
2019	7.6%
2018	7.3%
2017	7.1%
2016	9.1%
2015	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5.41 Yr.
Vikas Garg	27 Jul 21	3.85 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	57.99%
Debt	41.67%
Other	0.33%

Debt Sector Allocation

Sector	Value
Corporate	55.65%
Cash Equivalent	33.36%
Government	10.65%

Credit Quality

Rating	Value
AA	24.4%
AAA	75.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
08.24 Tn SDL 2025sep Sovereign Bonds \| -	4%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹50 Cr	5,000,000
India (Republic of) - \| -	4%	₹49 Cr	5,000,000
Export Import Bank Of India Debentures \| -	3%	₹40 Cr	4,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹30 Cr	3,000,000
TATA Projects Limited Debentures \| -	2%	₹25 Cr	2,500,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000

4. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (30 Jun 25)	₹42.9144 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹15,401 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	1.66
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.63%
Effective Maturity	6 Months
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,371
30 Jun 22	₹10,721
30 Jun 23	₹11,393
30 Jun 24	₹12,183
30 Jun 25	₹13,091

Kotak Savings 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 Kotak 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 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.5%
3 Year	6.9%
5 Year	5.5%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.8%
2022	4.5%
2021	3.2%
2020	5.8%
2019	7.8%
2018	7.4%
2017	6.7%
2016	8.2%
2015	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	17.14 Yr.
Manu Sharma	1 Nov 22	2.58 Yr.

Data below for Kotak Savings Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	55.91%
Debt	43.84%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	57.28%
Government	22.13%
Cash Equivalent	20.33%

Credit Quality

Rating	Value
AA	8.41%
AAA	91.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
8.2% Govt Stock 2025 Sovereign Bonds \| -	5%	₹805 Cr	80,000,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹650 Cr	6,450
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹564 Cr	56,000
Rec Limited Debentures \| -	3%	₹478 Cr	47,500
Mankind Pharma Limited Debentures \| -	2%	₹303 Cr	30,000
182 Days Tbill Sovereign Bonds \| -	2%	₹247 Cr	25,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	1%	₹240 Cr	25,000,000
India (Republic of) - \| -	1%	₹238 Cr	25,000,000
Bharti Telecom Limited Debentures \| -	1%	₹226 Cr	2,250
08.49 Tn SDL 2026 Sovereign Bonds \| -	1%	₹204 Cr	20,080,000

5. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (30 Jun 25)	₹4,031.58 ↑ 2.31 (0.06 %)
Net Assets (Cr)	₹8,772 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.78
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	7 Months 25 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,563
30 Jun 22	₹11,228
30 Jun 23	₹11,923
30 Jun 24	₹12,747
30 Jun 25	₹13,692

Nippon India Ultra Short Duration 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 Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.4%
3 Year	6.8%
5 Year	6.5%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.6%
2021	7.8%
2020	4.9%
2019	0.9%
2018	7.3%
2017	5.8%
2016	6.8%
2015	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.67 Yr.
Kinjal Desai	25 May 18	7.02 Yr.
Akshay Sharma	1 Dec 22	2.5 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	52.98%
Debt	46.77%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	56.37%
Cash Equivalent	30.8%
Government	12.58%

Credit Quality

Rating	Value
AA	15.05%
AAA	84.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹327 Cr	32,500
182 Days Tbill Sovereign Bonds \| -	3%	₹247 Cr	25,000,000
Vedanta Limited Debentures \| -	3%	₹241 Cr	24,000
LIQUID GOLD SERIES 10 Unlisted bonds \| -	3%	₹217 Cr	82
Small Industries Development Bank Of India Debentures \| -	2%	₹201 Cr	2,000
182 Days Tbill Sovereign Bonds \| -	2%	₹197 Cr	20,000,000
Interise TRust Debentures \| -	2%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹184 Cr	1,850
Power Finance Corporation Limited Debentures \| -	2%	₹177 Cr	17,500 ↑ 7,500
Credila Financial Services Limited Debentures \| -	2%	₹157 Cr	15,500

6. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (30 Jun 25)	₹4,242.23 ↑ 2.32 (0.05 %)
Net Assets (Cr)	₹4,351 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	1.63
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.73%
Effective Maturity	5 Months 16 Days
Modified Duration	5 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,396
30 Jun 22	₹11,020
30 Jun 23	₹11,694
30 Jun 24	₹12,502
30 Jun 25	₹13,424

UTI Ultra Short Term 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 UTI 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 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.7%
1 Year	7.4%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.2%
2023	6.7%
2022	4.2%
2021	6.1%
2020	5.3%
2019	3.3%
2018	7%
2017	6.6%
2016	8.9%
2015	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.36 Yr.

Data below for UTI Ultra Short Term Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	62.93%
Debt	36.88%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	60.71%
Cash Equivalent	33.44%
Government	5.66%

Credit Quality

Rating	Value
AA	15.03%
AAA	84.97%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Debentures \| -	4%	₹181 Cr	1,800
Titan Company Limited Debentures \| -	3%	₹151 Cr	15,000 ↑ 5,000
182 Days Tbill Sovereign Bonds \| -	3%	₹148 Cr	1,500,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹101 Cr	1,000
LIC Housing Finance Ltd Debentures \| -	2%	₹101 Cr	1,000 ↑ 250
182 Days Tbill Sovereign Bonds \| -	2%	₹99 Cr	1,000,000,000
Shriram Finance Limited Debentures \| -	2%	₹81 Cr	8,000
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000 ↑ 750,000,000
Indian Bank Domestic Bonds \| -	2%	₹72 Cr	750,000,000
Muthoot Finance Limited Debentures \| -	1%	₹50 Cr	5,000

7. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 75 in Ultrashort Bond category. Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund Growth
Launch Date	31 Jul 06
NAV (30 Jun 25)	₹3,409.28 ↑ 1.78 (0.05 %)
Net Assets (Cr)	₹4,011 on 31 May 25
Category	Debt - Ultrashort Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆
Risk	Moderately Low
Expense Ratio	1.02
Sharpe Ratio	1.36
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.79%
Effective Maturity	6 Months
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,311
30 Jun 22	₹10,617
30 Jun 23	₹11,244
30 Jun 24	₹12,015
30 Jun 25	₹12,897

DSP BlackRock Money Manager 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 DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.3%
3 Year	6.7%
5 Year	5.2%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.9%
2023	6.7%
2022	4.1%
2021	2.9%
2020	4.7%
2019	7.3%
2018	5%
2017	6%
2016	7.5%
2015	7.9%

Fund Manager information for DSP BlackRock Money Manager Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.01 Yr.
Shalini Vasanta	1 Jan 25	0.41 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	67.67%
Debt	32%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	54.52%
Cash Equivalent	32.14%
Government	13.02%

Credit Quality

Rating	Value
AA	5.57%
AAA	94.43%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 06112025 Sovereign Bonds \| -	2%	₹98 Cr	10,000,000
Bharti Telecom Limited Debentures \| -	2%	₹79 Cr	7,500
7.59% Govt Stock 2026 Sovereign Bonds \| -	2%	₹78 Cr	7,500,000 ↑ 7,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹78 Cr	750 ↑ 750
182 DTB 31072025 Sovereign Bonds \| -	2%	₹65 Cr	6,500,000
Tata Capital Housing Finance Limited Debentures \| -	1%	₹53 Cr	500
Mahindra Rural Housing Finance Limited Debentures \| -	1%	₹52 Cr	5,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹52 Cr	500
Bajaj Housing Finance Limited Debentures \| -	1%	₹51 Cr	5,000
Tata Capital Housing Finance Limited Debentures \| -	1%	₹50 Cr	5,000

8. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (30 Jun 25)	₹3,007.03 ↑ 0.89 (0.03 %)
Net Assets (Cr)	₹1,849 on 31 May 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	4.22
Information Ratio	0.17
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	5.91%
Effective Maturity	1 Month 28 Days
Modified Duration	1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,314
30 Jun 22	₹10,688
30 Jun 23	₹11,379
30 Jun 24	₹12,216
30 Jun 25	₹13,100

BOI AXA 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 BOI AXA 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 30 Jun 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	7%
5 Year	5.5%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.87 Yr.

Data below for BOI AXA Liquid Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	99.83%
Other	0.17%

Debt Sector Allocation

Sector	Value
Cash Equivalent	68.77%
Corporate	17.35%
Government	13.71%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	4%	₹99 Cr	10,000,000 ↑ 10,000,000
India (Republic of) - \| -	4%	₹99 Cr	10,000,000 ↑ 10,000,000
Axis Bank Limited Certificate of Deposit \| -	4%	₹99 Cr	10,000,000 ↑ 10,000,000
LIC Housing Finance Ltd Commercial Paper \| -	4%	₹99 Cr	10,000,000 ↑ 10,000,000
Canara Bank Certificate of Deposit \| -	4%	₹84 Cr	8,500,000 ↑ 8,500,000
India (Republic of) - \| -	3%	₹74 Cr	7,500,000
Sundaram Finance Limited Commercial Paper \| -	3%	₹74 Cr	7,500,000 ↑ 7,500,000
Indian Bank (14/08/2025) ** # Certificate of Deposit \| -	3%	₹69 Cr	7,000,000 ↑ 2,000,000
Redington Ltd. Commercial Paper \| -	2%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹50 Cr	5,000,000

9. Indiabulls Liquid Fund

To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved.

Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% .

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (30 Jun 25)	₹2,525.35 ↑ 0.80 (0.03 %)
Net Assets (Cr)	₹212 on 31 May 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.96
Information Ratio	-1.75
Alpha Ratio	-0.09
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.21%
Effective Maturity	1 Month 8 Days
Modified Duration	1 Month 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 20	₹10,000
30 Jun 21	₹10,311
30 Jun 22	₹10,650
30 Jun 23	₹11,298
30 Jun 24	₹12,118
30 Jun 25	₹12,993

Indiabulls 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 Indiabulls 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 30 Jun 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	6.9%
5 Year	5.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.8%
2022	4.6%
2021	3.1%
2020	3.9%
2019	6.6%
2018	7.3%
2017	6.7%
2016	7.8%
2015	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	2.14 Yr.

Data below for Indiabulls Liquid Fund as on 31 May 25

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.74%
Corporate	27.19%
Government	6.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo 16-Jun-25 CBLO/Reverse Repo \| -	12%	₹34 Cr
Indian Bank Domestic Bonds \| -	9%	₹25 Cr	2,500,000 ↑ 2,500,000
Power Finance Corporation Limited Debentures \| -	9%	₹25 Cr	2,450,000 ↑ 2,450,000
Bajaj Financial Securities Limited Commercial Paper \| -	8%	₹24 Cr	2,400,000 ↑ 2,400,000
Punjab National Bank Certificate of Deposit \| -	7%	₹20 Cr	2,000,000
Bank Of Baroda Certificate of Deposit \| -	7%	₹20 Cr	2,000,000 ↑ 2,000,000
India (Republic of) - \| -	7%	₹20 Cr	2,000,000 ↑ 2,000,000
Small Industries Development Bank of India Commercial Paper \| -	7%	₹20 Cr	2,000,000 ↑ 2,000,000
Canara Bank Certificate of Deposit \| -	7%	₹19 Cr	1,900,000 ↑ 1,900,000
Bajaj Housing Finance Ltd. Commercial Paper \| -	6%	₹17 Cr	1,700,000 ↑ 1,700,000

மியூச்சுவல் ஃபண்ட் SIP ஆன்லைனில் எப்படி முதலீடு செய்வது?

Fincash.com இல் வாழ்நாள் முழுவதும் இலவச முதலீட்டுக் கணக்கைத் திறக்கவும்.

உங்கள் பதிவு மற்றும் KYC செயல்முறையை முடிக்கவும்

ஆவணங்களைப் பதிவேற்றவும் (பான், ஆதார் போன்றவை).மேலும், நீங்கள் முதலீடு செய்ய தயாராக உள்ளீர்கள்!

தொடங்குங்கள்

அடிக்கடி கேட்கப்படும் கேள்விகள்

1. SIP களில் பதவிக்காலத்தின் முக்கியத்துவம் என்ன?

A: நீங்கள் SIP களைத் தேர்ந்தெடுக்கும்போது, நீங்கள் முதலில் கருத்தில் கொள்ள வேண்டியது பதவிக்காலம். தவணைக்காலத்தை சரிபார்த்துவிட்டு முதலீடு செய்வது நல்லது, ஏனென்றால் காலவரையறை முடிக்கும் முன் உங்கள் முதலீட்டை மூடக்கூடாது. நீங்கள் அவ்வாறு செய்தால், வெளியேறும் சுமை வடிவத்தில் அபராதம் செலுத்த வேண்டியிருக்கும்.

2. ஒரு வருட SIPகள் நல்லதா?

A: ஆம், ஒரு வருட SIPகள் நல்லது, குறிப்பாக நீங்கள் விரைவான வருமானத்தை எதிர்பார்க்கிறீர்கள் என்றால். வழக்கமாக, ஒரு வருட SIP-களின் உதவியுடன், உங்கள் நிதி போர்ட்ஃபோலியோவைப் பொறுத்து, உங்கள் முதலீட்டில் 4.2% முதல் 6.2% வரையிலான ROI களை எதிர்பார்க்கலாம்.

3. நான் ஏன் ஒரு வருட SIP களில் முதலீடு செய்ய வேண்டும்?

A: நீங்கள் மியூச்சுவல் ஃபண்ட் முதலீடுகளுக்கு புதியவராக இருந்தால் மற்றும் முதலீட்டு போர்ட்ஃபோலியோவை பல்வகைப்படுத்த திட்டமிட்டிருந்தால் ஓராண்டு SIPகள் பயனுள்ளதாக இருக்கும்.

4. ஒரு வருட SIPகள் நல்ல வருமானத்தை தருமா?

A: ஒரு வருட SIP கள் இளம் முதலீட்டாளர்களிடையே பிரபலமடைந்து வருகின்றன, ஏனெனில் இவை நல்ல மற்றும் விரைவான வருமானத்தைத் தருகின்றன. நீங்கள் பரஸ்பர நிதிகளைப் புரிந்து கொள்ள விரும்பினால்சந்தை, ஒரு வருட SIP கள் ஒரு நல்ல யோசனை.

5. அனைத்து SIPகளும் நல்ல வருமானத்தை அளிக்கின்றனவா?

A: SIP கள் உங்கள் முதலீட்டு போர்ட்ஃபோலியோவை பல்வகைப்படுத்துவதற்கான சிறந்த வழிகளில் ஒன்றாகும், மேலும் அவை நல்ல வருமானத்தை ஈட்டுவதாக அறியப்படுகிறது. நீங்கள் முதலீடு செய்ய விரும்பும் நிதியையும் தொகையையும் தேர்வு செய்ய இது உங்களை அனுமதிக்கிறது. சீரான இடைவெளியில் சிறிய தொகையை முதலீடு செய்ய வாய்ப்பு கிடைக்கும்.

6. அனைத்து SIP களிலும் பெரிய அளவிலான பங்குகள் உள்ளதா?

A: படிசெபி கட்டாயமாக, SIP முதலீட்டாளர்கள் முதலீட்டாளர்கள் மற்றும் நிறுவனங்களைப் பாதுகாக்க 70:20:10 நெறிமுறையைப் பின்பற்ற வேண்டும். இந்த விதியின்படி, பங்கு முதலீட்டில் 70% பெரிய அளவிலான பங்குகளில் 20% இருக்கும்.நடுத்தர தொப்பி பங்குகள் மற்றும் 10% இல்சிறிய தொப்பி பங்குகள். எனவே SIP கள் முதலீடுகளை பன்முகப்படுத்துகின்றன, மேலும் அனைத்தும் பெரிய தொப்பி பங்குகளில் கவனம் செலுத்துவதில்லை.

7. SIP இல் முதலீடு செய்யக்கூடிய அதிகபட்ச மற்றும் குறைந்தபட்ச தொகை உள்ளதா?

A: SIP இல் நீங்கள் முதலீடு செய்யக்கூடிய குறைந்தபட்ச தொகை ரூ.500 ஆகும். இருப்பினும், SIP இல் முதலீடு செய்வதற்கு உச்ச வரம்பு எதுவும் இல்லை. இதை உங்கள் ஃபண்ட் மேனேஜர் மூலம் திட்டமிடலாம்.

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.