+91-22-489139091 வருட முதலீட்டுக்கான 9 சிறந்த SIP திட்டங்கள் 2022
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.
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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 ₹567.471
↑ 0.01 ₹23,615 1,000 1.2 2.8 7.1 7.4 7.4 6.81% 5M 19D 6M 11D ICICI Prudential Ultra Short Term Fund Growth ₹28.6422
↑ 0.00 ₹16,907 1,000 1.2 2.7 6.8 7.1 7.1 6.82% 5M 19D 7M 10D Kotak Savings Fund Growth ₹44.2751
↑ 0.00 ₹14,243 1,000 1.2 2.6 6.6 6.9 6.8 6.66% 5M 26D 6M 25D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 6.66% 1M 7D 1M 10D Nippon India Ultra Short Duration Fund Growth ₹4,160.85
↑ 0.95 ₹11,060 100 1.2 2.7 6.5 6.9 6.8 7% 3Y 6M 18D 4Y 8M 8D Invesco India Ultra Short Term Fund Growth ₹2,783.81
↑ 0.29 ₹1,234 1,000 1.2 2.6 6.5 6.9 6.8 6.57% 5M 16D 5M 24D BOI AXA Liquid Fund Growth ₹3,108.66
↑ 0.44 ₹1,107 1,000 1.4 2.9 6.4 7 6.6 5.94% 2M 1D 1M 20D IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 ₹146 500 1.6 3.4 6.4 4.8 6.83% 2M 10D 2M 23D Indiabulls Liquid Fund Growth ₹2,609.37
↑ 0.35 ₹165 500 1.4 2.9 6.4 6.9 6.6 6.02% 2M 2M 1D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jan 26 Research Highlights & Commentary of 9 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund Kotak Savings Fund IDBI Liquid Fund Nippon India Ultra Short Duration Fund Invesco India Ultra Short Term Fund BOI AXA Liquid Fund IDBI Ultra Short Term Fund Indiabulls Liquid Fund Point 1 Highest AUM (₹23,615 Cr). Top quartile AUM (₹16,907 Cr). Upper mid AUM (₹14,243 Cr). Bottom quartile AUM (₹503 Cr). Upper mid AUM (₹11,060 Cr). Lower mid AUM (₹1,234 Cr). Lower mid AUM (₹1,107 Cr). Bottom quartile AUM (₹146 Cr). Bottom quartile AUM (₹165 Cr). Point 2 Established history (22+ yrs). Established history (14+ yrs). Established history (21+ yrs). Established history (15+ yrs). Oldest track record among peers (24 yrs). Established history (15+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (14+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 1★ (bottom quartile). Rating: 5★ (top quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Point 5 1Y return: 7.05% (top quartile). 1Y return: 6.80% (top quartile). 1Y return: 6.57% (upper mid). 1Y return: 6.55% (upper mid). 1Y return: 6.54% (lower mid). 1Y return: 6.50% (lower mid). 1Y return: 6.43% (bottom quartile). 1Y return: 6.39% (bottom quartile). 1Y return: 6.39% (bottom quartile). Point 6 1M return: 0.26% (bottom quartile). 1M return: 0.29% (bottom quartile). 1M return: 0.31% (lower mid). 1M return: 0.53% (top quartile). 1M return: 0.33% (lower mid). 1M return: 0.31% (bottom quartile). 1M return: 0.48% (upper mid). 1M return: 0.52% (top quartile). 1M return: 0.45% (upper mid). Point 7 Sharpe: 3.14 (upper mid). Sharpe: 2.94 (upper mid). Sharpe: 2.06 (bottom quartile). Sharpe: 0.20 (bottom quartile). Sharpe: 2.30 (lower mid). Sharpe: 2.41 (lower mid). Sharpe: 4.02 (top quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 3.18 (top quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 1.26 (top quartile). Information ratio: 0.00 (bottom quartile). Information ratio: -0.71 (bottom quartile). Point 9 Yield to maturity (debt): 6.81% (upper mid). Yield to maturity (debt): 6.82% (upper mid). Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 6.66% (lower mid). Yield to maturity (debt): 7.00% (top quartile). Yield to maturity (debt): 6.57% (bottom quartile). Yield to maturity (debt): 5.94% (bottom quartile). Yield to maturity (debt): 6.83% (top quartile). Yield to maturity (debt): 6.02% (bottom quartile). Point 10 Modified duration: 0.47 yrs (lower mid). Modified duration: 0.47 yrs (bottom quartile). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 3.55 yrs (bottom quartile). Modified duration: 0.46 yrs (lower mid). Modified duration: 0.17 yrs (upper mid). Modified duration: 0.19 yrs (upper mid). Modified duration: 0.17 yrs (top quartile). Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
Kotak Savings Fund
IDBI Liquid Fund
Nippon India Ultra Short Duration Fund
Invesco India Ultra Short Term Fund
BOI AXA Liquid Fund
IDBI Ultra Short Term Fund
Indiabulls Liquid 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. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (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. Research Highlights for Kotak Savings Fund Below is the key information for Kotak Savings Fund Returns up to 1 year are on 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 Below is the key information for IDBI Liquid Fund Returns up to 1 year are on (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. Research Highlights for Nippon India Ultra Short Duration Fund Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (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. Research Highlights for Invesco India Ultra Short Term Fund Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on 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. Research Highlights for BOI AXA Liquid Fund Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on 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 Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on 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. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (29 Jan 26) ₹567.471 ↑ 0.01 (0.00 %) Net Assets (Cr) ₹23,615 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 3.14 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 11 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,389 31 Dec 22 ₹10,884 31 Dec 23 ₹11,664 31 Dec 24 ₹12,580 31 Dec 25 ₹13,510 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.8% 1 Year 7.1% 3 Year 7.4% 5 Year 6.2% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.54 Yr. Kaustubh Gupta 15 Jul 11 14.48 Yr. Monika Gandhi 22 Mar 21 4.78 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 47.86% Debt 51.91% Other 0.24% Debt Sector Allocation
Sector Value Corporate 53.86% Cash Equivalent 29.6% Government 16.31% Credit Quality
Rating Value AA 25.17% AAA 74.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity Shriram Finance Limited
Debentures | -3% ₹615 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹547 Cr 54,000 Nirma Limited
Debentures | -2% ₹486 Cr 48,500 Bharti Telecom Limited
Debentures | -2% ₹399 Cr 40,000
↑ 5,000 07.22 GJ Sdl 2028
Sovereign Bonds | -2% ₹376 Cr 37,500,000 Muthoot Finance Limited
Debentures | -1% ₹352 Cr 35,000 Mankind Pharma Limited
Debentures | -1% ₹347 Cr 34,500 National Bank For Agriculture And Rural Development
Debentures | -1% ₹304 Cr 30,000 Avanse Financial Services Limited
Debentures | -1% ₹301 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹298 Cr 30,000 2. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (29 Jan 26) ₹28.6422 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹16,907 on 31 Dec 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 2.94 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 6.82% Effective Maturity 7 Months 10 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,400 31 Dec 22 ₹10,873 31 Dec 23 ₹11,624 31 Dec 24 ₹12,495 31 Dec 25 ₹13,380 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.7% 1 Year 6.8% 3 Year 7.1% 5 Year 6% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 7.5% 2022 6.9% 2021 4.5% 2020 4% 2019 6.5% 2018 8.4% 2017 7.5% 2016 6.9% 2015 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 9.13 Yr. Ritesh Lunawat 15 Jun 17 8.55 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 63.83% Debt 35.9% Other 0.27% Debt Sector Allocation
Sector Value Corporate 64.79% Cash Equivalent 31.87% Government 3.07% Credit Quality
Rating Value AA 17.57% AAA 82.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹662 Cr 66,000 6.22% Govt Stock 2028
Sovereign Bonds | -4% ₹613 Cr 60,843,000
↓ -1,842,100 364 DTB 15012026
Sovereign Bonds | -3% ₹499 Cr 50,000,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹450 Cr 450 Vedanta Limited
Debentures | -2% ₹352 Cr 35,000
↑ 5,000 Small Industries Development Bank Of India
Debentures | -2% ₹351 Cr 35,000 Piramal Finance Limited
Debentures | -2% ₹277 Cr 27,500 AU Small Finance Bank Ltd.
Debentures | -1% ₹234 Cr 5,000
↑ 5,000 Power Finance Corporation Limited
Debentures | -1% ₹230 Cr 2,300 LIC Housing Finance Ltd
Debentures | -1% ₹225 Cr 2,250 3. Kotak Savings Fund
Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (29 Jan 26) ₹44.2751 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹14,243 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.81 Sharpe Ratio 2.06 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 6 Months 25 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,321 31 Dec 22 ₹10,781 31 Dec 23 ₹11,515 31 Dec 24 ₹12,349 31 Dec 25 ₹13,191 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.6% 1 Year 6.6% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.8% 2021 4.5% 2020 3.2% 2019 5.8% 2018 7.8% 2017 7.4% 2016 6.7% 2015 8.2% Fund Manager information for Kotak Savings Fund
Name Since Tenure Deepak Agrawal 15 Apr 08 17.73 Yr. Manu Sharma 1 Nov 22 3.17 Yr. Data below for Kotak Savings Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 54.54% Debt 45.14% Other 0.32% Debt Sector Allocation
Sector Value Corporate 55.15% Cash Equivalent 24.34% Government 20.19% Credit Quality
Rating Value AA 10.42% AAA 89.58% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Housing Finance Limited
Debentures | -5% ₹644 Cr 6,420 National Bank For Agriculture And Rural Development
Debentures | -4% ₹581 Cr 57,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹572 Cr 57,050
↑ 50 Rec Limited
Debentures | -3% ₹476 Cr 47,500 India (Republic of)
- | -2% ₹319 Cr 32,500,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹307 Cr 31,000,000 Mankind Pharma Limited
Debentures | -2% ₹302 Cr 30,000 364 Days Tbill Red 28-05-2026
Sovereign Bonds | -2% ₹245 Cr 25,000,000 Bank of Baroda
Debentures | -2% ₹244 Cr 25,000 6.22% Govt Stock 2028
Sovereign Bonds | -2% ₹227 Cr 22,500,000 4. 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 Dec 20 ₹10,000 31 Dec 21 ₹10,338 31 Dec 22 ₹10,844 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 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 5. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (29 Jan 26) ₹4,160.85 ↑ 0.95 (0.02 %) Net Assets (Cr) ₹11,060 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 2.3 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7% Effective Maturity 4 Years 8 Months 8 Days Modified Duration 3 Years 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,778 31 Dec 22 ₹11,272 31 Dec 23 ₹12,026 31 Dec 24 ₹12,897 31 Dec 25 ₹13,773 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.7% 1 Year 6.5% 3 Year 6.9% 5 Year 6.6% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.2% 2022 6.7% 2021 4.6% 2020 7.8% 2019 4.9% 2018 0.9% 2017 7.3% 2016 5.8% 2015 6.8% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 12.26 Yr. Kinjal Desai 25 May 18 7.61 Yr. Akshay Sharma 1 Dec 22 3.09 Yr. Lokesh Maru 5 Sep 25 0.32 Yr. Divya Sharma 5 Sep 25 0.32 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 45.53% Debt 54.22% Other 0.25% Debt Sector Allocation
Sector Value Corporate 57.04% Cash Equivalent 27.04% Government 15.68% Credit Quality
Rating Value AA 28.52% AAA 71.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹486 Cr 48,500 India (Republic of)
- | -3% ₹296 Cr 30,000,000 JSW Energy Limited
Debentures | -2% ₹250 Cr 25,000 Small Industries Development Bank Of India
Debentures | -2% ₹250 Cr 2,500 Treasury Bills
Sovereign Bonds | -2% ₹246 Cr 25,000,000 Vedanta Limited
Debentures | -2% ₹241 Cr 24,000 TATA Communications Limited
Debentures | -2% ₹226 Cr 22,500 India (Republic of)
- | -2% ₹211 Cr 21,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹201 Cr 20,000 Embassy Office Parks Reit
Debentures | -2% ₹201 Cr 2,000 6. Invesco India Ultra Short Term Fund
Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (29 Jan 26) ₹2,783.81 ↑ 0.29 (0.01 %) Net Assets (Cr) ₹1,234 on 31 Dec 25 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 2.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.57% Effective Maturity 5 Months 24 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,303 31 Dec 22 ₹10,726 31 Dec 23 ₹11,436 31 Dec 24 ₹12,291 31 Dec 25 ₹13,131 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 2.6% 1 Year 6.5% 3 Year 6.9% 5 Year 5.6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 7.5% 2022 6.6% 2021 4.1% 2020 3% 2019 5.1% 2018 7.6% 2017 7.3% 2016 7.1% 2015 9.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 6 Yr. Vikas Garg 27 Jul 21 4.44 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 56.06% Debt 43.61% Other 0.32% Debt Sector Allocation
Sector Value Corporate 60.05% Government 26.17% Cash Equivalent 13.46% Credit Quality
Rating Value AA 16.37% AAA 83.63% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -8% ₹99 Cr 10,000,000 Small Industries Development Bank Of India
Debentures | -4% ₹50 Cr 5,000,000 India (Republic of)
- | -4% ₹50 Cr 5,000,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹40 Cr 4,000,000 Sundaram Home Finance Limited
Debentures | -3% ₹35 Cr 3,500,000 Manappuram Finance Limited
Debentures | -2% ₹28 Cr 2,800,000 07.86 KA Sdl 2027
Sovereign Bonds | -2% ₹26 Cr 2,500,000 Power Finance Corporation Limited
Debentures | -2% ₹25 Cr 2,500,000 Piramal Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹25 Cr 2,500,000 7. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (29 Jan 26) ₹3,108.66 ↑ 0.44 (0.01 %) Net Assets (Cr) ₹1,107 on 31 Dec 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 4.02 Information Ratio 1.26 Alpha Ratio 0.08 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 5.94% Effective Maturity 1 Month 20 Days Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,326 31 Dec 22 ₹10,835 31 Dec 23 ₹11,599 31 Dec 24 ₹12,461 31 Dec 25 ₹13,280 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.4% 3 Year 7% 5 Year 5.9% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.4% 2017 7.4% 2016 6.7% 2015 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 4.38 Yr. Data below for BOI AXA Liquid Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 99.51% Other 0.49% Debt Sector Allocation
Sector Value Corporate 47.18% Cash Equivalent 34.37% Government 17.96% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
Net Current Assets | -16% -₹182 Cr Indian Bank
Certificate of Deposit | -9% ₹99 Cr 10,000,000 India (Republic of)
- | -7% ₹75 Cr 7,500,000
↓ -2,500,000 India (Republic of)
- | -7% ₹74 Cr 7,500,000 Kotak Mahindra Bank Limited
Certificate of Deposit | -4% ₹50 Cr 5,000,000 Union Bank Of India
Certificate of Deposit | -4% ₹50 Cr 5,000,000 Blue Star Ltd -
Commercial Paper | -4% ₹50 Cr 5,000,000 Reliance Retail Ventures Limited
Commercial Paper | -4% ₹50 Cr 5,000,000 364 Days Tbill Mat 200226
Sovereign Bonds | -4% ₹50 Cr 5,000,000 Godrej Housing Finance Limited
Commercial Paper | -4% ₹50 Cr 5,000,000 8. 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 Dec 20 ₹10,000 31 Dec 21 ₹10,395 31 Dec 22 ₹10,864 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 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 9. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (29 Jan 26) ₹2,609.37 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹165 on 31 Dec 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 3.18 Information Ratio -0.71 Alpha Ratio 0 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.02% Effective Maturity 2 Months 1 Day Modified Duration 2 Months Growth of 10,000 investment over the years.
Date Value 31 Dec 20 ₹10,000 31 Dec 21 ₹10,313 31 Dec 22 ₹10,788 31 Dec 23 ₹11,516 31 Dec 24 ₹12,364 31 Dec 25 ₹13,174 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Jan 26 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 2.9% 1 Year 6.4% 3 Year 6.9% 5 Year 5.7% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 6.8% 2021 4.6% 2020 3.1% 2019 3.9% 2018 6.6% 2017 7.3% 2016 6.7% 2015 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 2.65 Yr. Data below for Indiabulls Liquid Fund as on 31 Dec 25
Asset Allocation
Asset Class Value Cash 99.58% Other 0.42% Debt Sector Allocation
Sector Value Corporate 46.39% Cash Equivalent 38.24% Government 14.95% Credit Quality
Rating Value AAA 99.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank Of Baroda
Certificate of Deposit | -10% ₹17 Cr 1,750,000 Reverse Repo 01-Jan-26
CBLO/Reverse Repo | -10% ₹16 Cr Kotak Mahindra Bank Limited
Certificate of Deposit | -9% ₹15 Cr 1,500,000 Indian Bank
Certificate of Deposit | -9% ₹15 Cr 1,500,000 National Bank For Agriculture & Rural Development**
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Axis Bank Limited
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Punjab National Bank (18/03/2026)
Certificate of Deposit | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Aditya Birla Capital Limited
Commercial Paper | -9% ₹15 Cr 1,500,000
↑ 1,500,000 HDFC Securities Ltd
Commercial Paper | -9% ₹15 Cr 1,500,000
↑ 1,500,000 Small Industries Development Bank Of India
Debentures | -6% ₹10 Cr 1,000,000
↓ -500,000
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!
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.
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.
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