బెస్ట్ మనీ మార్కెట్ మ్యూచువల్ ఫండ్స్ 2022

Updated on February 15, 2026 , 43721 views

సాధారణ పరంగా,ఉత్తమ లిక్విడ్ ఫండ్స్ (మనీ మార్కెట్ ఫండ్స్) అప్పులున్నాయిమ్యూచువల్ ఫండ్స్ లేదా బదులుగా డబ్బుసంత పెట్టుబడి వ్యవధిలో మాత్రమే తేడా ఉన్న మ్యూచువల్ ఫండ్స్. మనీ మార్కెట్ ఫండ్‌లు చాలా తక్కువ డబ్బు మార్కెట్ సాధనాల్లో పెట్టుబడి పెడతాయిజమచేసిన ధ్రువీకరణ పత్రము, ట్రెజరీ బిల్లులు, వాణిజ్య పత్రాలు మొదలైనవి.

ఈ నిధుల పెట్టుబడి వ్యవధి చాలా తక్కువగా ఉంటుంది, సాధారణంగా రెండు రోజుల నుండి కొన్ని వారాల వరకు ఉంటుంది (ఇది ఒక రోజు కూడా కావచ్చు!). యొక్క సగటు అవశేష పరిపక్వతలిక్విడ్ ఫండ్స్ వ్యక్తిగతంగా 91 రోజుల వరకు మెచ్యూరిటీ ఉన్న సెక్యూరిటీలలో పెట్టుబడి పెట్టడం వలన 91 రోజుల కంటే తక్కువ.

స్వల్పకాలికమైనదిరుణ నిధి, తక్కువ వ్యవధిలో తక్కువ-రిస్క్ ఇన్వెస్ట్‌మెంట్‌ల కోసం వెతుకుతున్న పెట్టుబడిదారులకు ఈ నిధులు చాలా అనుకూలంగా ఉంటాయి. ఉత్తమ లిక్విడ్ ఫండ్స్ యొక్క తక్కువ మెచ్యూరిటీ వ్యవధి ఫండ్ మేనేజర్‌లను నెరవేర్చడానికి సహాయపడుతుందివిముక్తి పెట్టుబడిదారుల డిమాండ్ సులభంగా. మార్కెట్లో, వివిధ మనీ మార్కెట్ ఫండ్ పెట్టుబడులు అందుబాటులో ఉన్నాయి.

మనీ మార్కెట్ ఫండ్లలో ఎందుకు పెట్టుబడి పెట్టాలి?

మనీ మార్కెట్‌లోని సెక్యూరిటీలు సాపేక్షంగా తక్కువ రిస్క్‌ని కలిగి ఉంటాయి
మనీ మార్కెట్ ఫండ్‌లు అన్ని మ్యూచువల్ ఫండ్ పెట్టుబడులకు సురక్షితమైనవి మరియు సురక్షితమైనవిగా పరిగణించబడతాయి
మనీ మార్కెట్ నిధులను పరిగణనలోకి తీసుకుంటే, మనీ మార్కెట్ ఖాతాలో పెట్టుబడి పెట్టడం సులభం.పెట్టుబడి పెడుతున్నారు మ్యూచువల్ ఫండ్స్ ద్వారా పెట్టుబడిదారులు తమ సౌలభ్యం మేరకు ఖాతా తెరవవచ్చు, డిపాజిట్లు మరియు ఉపసంహరణలు చేయవచ్చు
మనీ మార్కెట్ ఫండ్స్ అన్ని మ్యూచువల్ ఫండ్ ఇన్వెస్ట్‌మెంట్‌లలో అతి తక్కువ అస్థిర రకాల్లో ఒకటిగా పరిగణించబడతాయి
మనీ మార్కెట్ ఫండ్స్ పనితీరు రిజర్వ్ నిర్ణయించిన వడ్డీ రేట్లతో ముడిపడి ఉంటుందిబ్యాంక్ భారతదేశం, దిసెంట్రల్ బ్యాంక్ ఆఫ్ ఇండియా. కాబట్టి, RBI మార్కెట్లో రేట్లు పెంచినప్పుడు, దిగుబడి పెరుగుతుంది మరియు మనీ మార్కెట్ నిధులు మంచి రాబడిని ఇవ్వగలవు.

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మనీ మార్కెట్ ఫండ్స్ ఎలా పని చేస్తాయి?

మనీ మార్కెట్ ఫండ్ ఒక లక్ష్యంతో మనీ మార్కెట్ సాధనాల్లో పెట్టుబడి పెడుతుందిసమర్పణ మంచి రాబడి (వడ్డీఆదాయం) మరియు ఉంచడంకాదు కనిష్ట హెచ్చుతగ్గులు.

మనీ మార్కెట్ సాధనాల రకాలు

మనీ మార్కెట్ అనేది నగదు మరియు నగదు-సమానమైన సాధనాల వ్యాపారం జరిగే మార్పిడి. మనీ మార్కెట్‌లలో వర్తకం చేసే సాధనాలు మెచ్యూరిటీలను కలిగి ఉంటాయి, ఇవి రాత్రిపూట నుండి ఒక సంవత్సరం వరకు మారవచ్చు. భారతదేశంలో కొన్ని కీలకమైన మనీ మార్కెట్ సాధనాలు ఇక్కడ ఉన్నాయి:

1. ట్రెజరీ బిల్లులు లేదా T-బిల్లులు

365 రోజుల వరకు నిధులను సేకరించేందుకు భారత ప్రభుత్వం ట్రెజరీ బిల్లులను జారీ చేస్తుంది. ఇవి ప్రభుత్వం జారీ చేసినవి కాబట్టి, ఇవి చాలా సురక్షితమైనవిగా పరిగణించబడతాయి. అయినప్పటికీ, తక్కువ నష్టాలు కూడా తక్కువ రాబడికి అనువదిస్తాయి, ఇది ట్రెజరీ బిల్లుల విషయంలో కూడా ఉంటుంది. ఇతర మనీ మార్కెట్ సాధనాల కంటే T-బిల్లులపై రాబడి తక్కువగా ఉంటుంది.

2. డిపాజిట్ లేదా CD సర్టిఫికేట్

CD అనేది టర్మ్ డిపాజిట్, ఇది అకాల విమోచన ఎంపికను కలిగి ఉండని షెడ్యూల్డ్ వాణిజ్య బ్యాంకుల ద్వారా అందించబడుతుంది. CD మరియు మధ్య ప్రాథమిక వ్యత్యాసంఎఫ్ డి CD లు స్వేచ్ఛగా చర్చలు జరపవచ్చు.

3. తిరిగి కొనుగోలు ఒప్పందాలు లేదా రెపోలు

స్వల్పకాలిక రుణాలను సులభతరం చేయడానికి బ్యాంక్ మరియు RBI మధ్య తిరిగి కొనుగోలు ఒప్పందం చేయబడుతుంది. ఇది రెండు బ్యాంకుల మధ్య కూడా తయారు చేయవచ్చు.

4. కమర్షియల్ పేపర్ లేదా CP

అధిక క్రెడిట్ రేటింగ్ ఉన్న కంపెనీలు మరియు ఆర్థిక సంస్థలు జారీ చేయవచ్చు aకమర్షియల్ పేపర్ ఇది స్వల్పకాలిక, అసురక్షిత ప్రామిసరీ నోట్. ఇది అటువంటి ఎంటిటీలను వారి స్వల్పకాలిక రుణ వనరులను వైవిధ్యపరచడానికి అనుమతిస్తుంది. CPలు సాధారణంగా విమోచన సమయంలో తగ్గింపు రేటుతో జారీ చేయబడతాయిముఖ విలువ. దిపెట్టుబడిదారుడు తేడా సంపాదిస్తుంది.

టాప్ 8 మనీ మార్కెట్ మ్యూచువల్ ఫండ్‌లు 2022

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
ICICI Prudential Money Market Fund Growth	₹394.92 ↑ 0.00	₹31,851	0.6	1.5	3	7.3	7.4	6.19%	2M 26D	3M 3D
Franklin India Savings Fund Growth	₹52.1969 ↑ 0.00	₹3,830	0.6	1.5	3	7.2	7.4	6.21%	3M 4D	3M 11D
UTI Money Market Fund Growth	₹3,208.96 ↑ 0.22	₹19,301	0.6	1.4	3	7.2	7.5	6.33%	4M 6D	4M 6D
Nippon India Money Market Fund Growth	₹4,317.15 ↑ 0.13	₹20,190	0.6	1.4	3	7.2	7.4	6.71%	2Y 11M 8D	3Y 8M 26D
Kotak Money Market Scheme Growth	₹4,671.16 ↑ 0.19	₹32,188	0.6	1.4	3	7.2	7.4	6.3%	4M 13D	4M 13D
Tata Money Market Fund Growth	₹4,910.68 ↑ 0.35	₹35,600	0.6	1.4	3	7.2	7.4	6.35%	5D	5D
HDFC Money Market Fund Growth	₹5,944.94 ↑ 0.28	₹31,790	0.6	1.4	3	7.2	7.4	6.3%	3M 7D	3M 14D
Bandhan Money Manager Fund Growth	₹41.9202 ↑ 0.00	₹12,313	0.6	1.4	3	7.1	7.3	6.17%	3M 23D	3M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Feb 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	ICICI Prudential Money Market Fund	Franklin India Savings Fund	UTI Money Market Fund	Nippon India Money Market Fund	Kotak Money Market Scheme	Tata Money Market Fund	HDFC Money Market Fund	Bandhan Money Manager Fund
Point 1	Upper mid AUM (₹31,851 Cr).	Bottom quartile AUM (₹3,830 Cr).	Lower mid AUM (₹19,301 Cr).	Lower mid AUM (₹20,190 Cr).	Top quartile AUM (₹32,188 Cr).	Highest AUM (₹35,600 Cr).	Upper mid AUM (₹31,790 Cr).	Bottom quartile AUM (₹12,313 Cr).
Point 2	Established history (19+ yrs).	Established history (24+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Established history (22+ yrs).	Established history (22+ yrs).	Oldest track record among peers (26 yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.
Point 5	1Y return: 7.26% (top quartile).	1Y return: 7.25% (top quartile).	1Y return: 7.24% (upper mid).	1Y return: 7.20% (upper mid).	1Y return: 7.17% (lower mid).	1Y return: 7.16% (lower mid).	1Y return: 7.16% (bottom quartile).	1Y return: 7.13% (bottom quartile).
Point 6	1M return: 0.61% (top quartile).	1M return: 0.58% (bottom quartile).	1M return: 0.60% (lower mid).	1M return: 0.61% (upper mid).	1M return: 0.61% (upper mid).	1M return: 0.59% (lower mid).	1M return: 0.61% (top quartile).	1M return: 0.58% (bottom quartile).
Point 7	Sharpe: 2.81 (lower mid).	Sharpe: 2.75 (bottom quartile).	Sharpe: 3.02 (top quartile).	Sharpe: 2.85 (upper mid).	Sharpe: 2.84 (upper mid).	Sharpe: 2.87 (top quartile).	Sharpe: 2.71 (bottom quartile).	Sharpe: 2.78 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower 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): 6.19% (bottom quartile).	Yield to maturity (debt): 6.21% (lower mid).	Yield to maturity (debt): 6.33% (upper mid).	Yield to maturity (debt): 6.71% (top quartile).	Yield to maturity (debt): 6.30% (upper mid).	Yield to maturity (debt): 6.35% (top quartile).	Yield to maturity (debt): 6.30% (lower mid).	Yield to maturity (debt): 6.17% (bottom quartile).
Point 10	Modified duration: 0.24 yrs (top quartile).	Modified duration: 0.26 yrs (upper mid).	Modified duration: 0.35 yrs (lower mid).	Modified duration: 2.94 yrs (bottom quartile).	Modified duration: 0.37 yrs (bottom quartile).	Modified duration: 0.01 yrs (top quartile).	Modified duration: 0.27 yrs (upper mid).	Modified duration: 0.32 yrs (lower mid).

ICICI Prudential Money Market Fund

Upper mid AUM (₹31,851 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.26% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 2.81 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (bottom quartile).
Modified duration: 0.24 yrs (top quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹3,830 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.25% (top quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 2.75 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.21% (lower mid).
Modified duration: 0.26 yrs (upper mid).

UTI Money Market Fund

Lower mid AUM (₹19,301 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.24% (upper mid).
1M return: 0.60% (lower mid).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.33% (upper mid).
Modified duration: 0.35 yrs (lower mid).

Nippon India Money Market Fund

Lower mid AUM (₹20,190 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.20% (upper mid).
1M return: 0.61% (upper mid).
Sharpe: 2.85 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.71% (top quartile).
Modified duration: 2.94 yrs (bottom quartile).

Kotak Money Market Scheme

Top quartile AUM (₹32,188 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.17% (lower mid).
1M return: 0.61% (upper mid).
Sharpe: 2.84 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.30% (upper mid).
Modified duration: 0.37 yrs (bottom quartile).

Tata Money Market Fund

Highest AUM (₹35,600 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.16% (lower mid).
1M return: 0.59% (lower mid).
Sharpe: 2.87 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (top quartile).
Modified duration: 0.01 yrs (top quartile).

HDFC Money Market Fund

Upper mid AUM (₹31,790 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.16% (bottom quartile).
1M return: 0.61% (top quartile).
Sharpe: 2.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.30% (lower mid).
Modified duration: 0.27 yrs (upper mid).

Bandhan Money Manager Fund

Bottom quartile AUM (₹12,313 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.13% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 2.78 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.32 yrs (lower mid).

1. ICICI Prudential Money Market Fund

The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

Research Highlights for ICICI Prudential Money Market Fund

Upper mid AUM (₹31,851 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.26% (top quartile).
1M return: 0.61% (top quartile).
Sharpe: 2.81 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (bottom quartile).
Modified duration: 0.24 yrs (top quartile).
Average maturity: 0.26 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding 19/03/2026 Maturing 182 DTB (~6.6%).

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (17 Feb 26)	₹394.92 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹31,851 on 31 Dec 25
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.81
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	3 Months 3 Days
Modified Duration	2 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,378
31 Jan 23	₹10,896
31 Jan 24	₹11,708
31 Jan 25	₹12,609
31 Jan 26	₹13,512

ICICI Prudential Money Market 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 ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3%
1 Year	7.3%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.4%
2021	4.7%
2020	3.7%
2019	6.2%
2018	7.9%
2017	7.7%
2016	6.7%
2015	7.7%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	2.64 Yr.
Nikhil Kabra	3 Aug 16	9.5 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	78.74%
Debt	21.01%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	47.46%
Cash Equivalent	44.27%
Government	8.01%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
19/03/2026 Maturing 182 DTB Sovereign Bonds \| -	7%	₹2,320 Cr	233,500,000 ↑ 233,500,000
Axis Bank Ltd. Debentures \| -	4%	₹1,406 Cr	30,000
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	4%	₹1,308 Cr	131,500,000
Union Bank of India Domestic Bonds \| -	3%	₹983 Cr	21,000 ↑ 21,000
Small Industries Development Bank of India Debentures \| -	2%	₹796 Cr	17,000
Indusind Bank Ltd. Debentures \| -	2%	₹699 Cr	15,000 ↑ 15,000
Bank of Baroda Debentures \| -	2%	₹657 Cr	14,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹655 Cr	14,000
Canara Bank Domestic Bonds \| -	1%	₹375 Cr	8,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹373 Cr	8,000 ↑ 8,000

2. Franklin India Savings Fund

(Erstwhile Franklin India Savings Plus Fund Retail Option)

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Research Highlights for Franklin India Savings Fund

Bottom quartile AUM (₹3,830 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.25% (top quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 2.75 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.21% (lower mid).
Modified duration: 0.26 yrs (upper mid).
Average maturity: 0.28 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Call, Cash & Other Assets (~9.0%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (17 Feb 26)	₹52.1969 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹3,830 on 31 Dec 25
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	2.75
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.21%
Effective Maturity	3 Months 11 Days
Modified Duration	3 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,367
31 Jan 23	₹10,850
31 Jan 24	₹11,651
31 Jan 25	₹12,539
31 Jan 26	₹13,439

Franklin India 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 Franklin India 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 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.5%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.3%
2021	4.4%
2020	3.6%
2019	6%
2018	8.5%
2017	7.5%
2016	7.2%
2015	8.1%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.33 Yr.
Rohan Maru	10 Oct 24	1.31 Yr.
Chandni Gupta	30 Apr 24	1.76 Yr.

Data below for Franklin India Savings Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	99.6%
Debt	0.13%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	42.08%
Corporate	41.4%
Government	16.25%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	6%	₹224 Cr	22,500,000
Punjab National Bank Domestic Bonds \| -	3%	₹104 Cr	2,100
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹74 Cr	1,500
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹50 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹50 Cr	1,000
08.39 RJ UDAY 2026 Domestic Bonds \| -	1%	₹30 Cr	2,860,000
HDFC Bank Ltd. Debentures \| -	1%	₹25 Cr	500
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹10 Cr	8,992 ↑ 8,992
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Call, Cash & Other Assets CBLO \| -	9%	₹352 Cr

3. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

Research Highlights for UTI Money Market Fund

Lower mid AUM (₹19,301 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.24% (upper mid).
1M return: 0.60% (lower mid).
Sharpe: 3.02 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.33% (upper mid).
Modified duration: 0.35 yrs (lower mid).
Average maturity: 0.35 yrs (lower mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Corporate.
Conservative stance with elevated cash (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding Canara Bank (~3.4%).

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (17 Feb 26)	₹3,208.96 ↑ 0.22 (0.01 %)
Net Assets (Cr)	₹19,301 on 31 Dec 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.33%
Effective Maturity	4 Months 6 Days
Modified Duration	4 Months 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,388
31 Jan 23	₹10,922
31 Jan 24	₹11,744
31 Jan 25	₹12,648
31 Jan 26	₹13,554

UTI Money Market 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 Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.7%
2022	7.4%
2021	4.9%
2020	3.7%
2019	6%
2018	8%
2017	7.8%
2016	6.7%
2015	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.17 Yr.
Amit Sharma	7 Jul 17	8.58 Yr.

Data below for UTI Money Market Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	68.52%
Debt	31.21%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	43.56%
Cash Equivalent	35.9%
Government	20.26%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	3%	₹684 Cr	7,000,000,000
Indusind Bank Ltd. Debentures \| -	3%	₹538 Cr	5,500,000,000
19/03/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹497 Cr	5,000,000,000
18/06/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹490 Cr	5,000,000,000 ↑ 5,000,000,000
Union Bank of India Domestic Bonds \| -	2%	₹392 Cr	4,000,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹373 Cr	4,000,000,000 ↑ 4,000,000,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹345 Cr	3,500,000,000 ↑ 3,500,000,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹344 Cr	3,500,000,000
Export-Import Bank of India Domestic Bonds \| -	1%	₹280 Cr	3,000,000,000 ↑ 3,000,000,000
Bank Of Maharashtra Domestic Bonds \| -	1%	₹211 Cr	2,250,000,000 ↓ -250,000,000

4. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

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 Money Market Fund

Lower mid AUM (₹20,190 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.20% (upper mid).
1M return: 0.61% (upper mid).
Sharpe: 2.85 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.71% (top quartile).
Modified duration: 2.94 yrs (bottom quartile).
Average maturity: 3.74 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~79%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~3.2%).

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (17 Feb 26)	₹4,317.15 ↑ 0.13 (0.00 %)
Net Assets (Cr)	₹20,190 on 31 Dec 25
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.85
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.71%
Effective Maturity	3 Years 8 Months 26 Days
Modified Duration	2 Years 11 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,391
31 Jan 23	₹10,933
31 Jan 24	₹11,746
31 Jan 25	₹12,651
31 Jan 26	₹13,549

Nippon India Money Market 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 Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.5%
5 Year	6.3%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.8%
2022	7.4%
2021	5%
2020	3.8%
2019	6%
2018	8.1%
2017	7.9%
2016	6.6%
2015	7.6%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	7.55 Yr.
Vikash Agarwal	14 Sep 24	1.38 Yr.
Lokesh Maru	5 Sep 25	0.41 Yr.
Divya Sharma	5 Sep 25	0.41 Yr.

Data below for Nippon India Money Market Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	79.21%
Debt	20.52%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	47.71%
Corporate	43.47%
Government	8.56%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	3%	₹699 Cr	15,000 ↑ 15,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹443 Cr	45,000,000
Small Industries Development Bank of India Debentures \| -	2%	₹398 Cr	8,500
Bank of Baroda Debentures \| -	2%	₹367 Cr	7,500
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹303 Cr	6,500 ↑ 6,500
Small Industries Development Bank of India Debentures \| -	1%	₹286 Cr	6,000
Union Bank of India Domestic Bonds \| -	1%	₹258 Cr	5,500 ↑ 5,500
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹249 Cr	25,000,000
Canara Bank Domestic Bonds \| -	1%	₹234 Cr	5,000
IDFC First Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000

5. Kotak Money Market Scheme

(Erstwhile Kotak Floater Short Term Fund)

To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives.

Research Highlights for Kotak Money Market Scheme

Top quartile AUM (₹32,188 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.17% (lower mid).
1M return: 0.61% (upper mid).
Sharpe: 2.84 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.30% (upper mid).
Modified duration: 0.37 yrs (bottom quartile).
Average maturity: 0.37 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding 08/05/2026 Maturing 182 DTB (~2.7%).

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (17 Feb 26)	₹4,671.16 ↑ 0.19 (0.00 %)
Net Assets (Cr)	₹32,188 on 31 Dec 25
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	2.84
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.3%
Effective Maturity	4 Months 13 Days
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,383
31 Jan 23	₹10,911
31 Jan 24	₹11,718
31 Jan 25	₹12,618
31 Jan 26	₹13,510

Kotak Money Market Scheme 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 Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.3%
2021	4.9%
2020	3.7%
2019	5.7%
2018	8%
2017	7.7%
2016	6.7%
2015	7.7%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	19.27 Yr.
Manu Sharma	1 Nov 22	3.25 Yr.

Data below for Kotak Money Market Scheme as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	81.55%
Debt	18.17%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	47.66%
Cash Equivalent	37.99%
Government	14.07%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	3%	₹887 Cr	90,000,000 ↑ 90,000,000
Indusind Bank Ltd. Debentures \| -	2%	₹698 Cr	75,000 ↑ 75,000
Bank of Baroda Debentures \| -	2%	₹686 Cr	70,000 ↑ 70,000
Indusind Bank Ltd. Debentures \| -	2%	₹684 Cr	70,000
21/05/2026 Maturing 364 DTB Sovereign Bonds \| -	2%	₹664 Cr	67,500,000
19/03/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹596 Cr	60,000,000 ↑ 60,000,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	2%	₹500 Cr	50,000,000 ↓ -15,000,000
Bank of Baroda Debentures \| -	1%	₹490 Cr	50,000
Punjab National Bank Domestic Bonds \| -	1%	₹468 Cr	50,000 ↑ 50,000
UCO Bank Domestic Bonds \| -	1%	₹343 Cr	35,000

6. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Research Highlights for Tata Money Market Fund

Highest AUM (₹35,600 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.16% (lower mid).
1M return: 0.59% (lower mid).
Sharpe: 2.87 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (top quartile).
Modified duration: 0.01 yrs (top quartile).
Average maturity: 0.01 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~89%).
High-quality debt (AAA/AA ~100%).
Largest holding Tbill (~3.6%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (17 Feb 26)	₹4,910.68 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹35,600 on 31 Dec 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	2.87
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.35%
Effective Maturity	5 Days
Modified Duration	5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,402
31 Jan 23	₹10,926
31 Jan 24	₹11,741
31 Jan 25	₹12,643
31 Jan 26	₹13,540

Tata Money Market 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 Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.3%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.4%
2021	4.8%
2020	3.9%
2019	6.4%
2018	8.1%
2017	-0.1%
2016	6.7%
2015	7.6%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	12.3 Yr.

Data below for Tata Money Market Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	88.99%
Debt	10.72%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	50.92%
Cash Equivalent	42.92%
Government	5.86%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	4%	₹1,204 Cr	122,000,000 ↑ 122,000,000
Indian Bank Domestic Bonds \| -	3%	₹957 Cr	20,000
Indusind Bank Ltd. Debentures \| -	2%	₹746 Cr	16,000 ↑ 16,000
Indusind Bank Ltd. Debentures \| -	2%	₹586 Cr	12,000
Tbill Sovereign Bonds \| -	2%	₹583 Cr	59,000,000 ↑ 59,000,000
26/03/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹496 Cr	50,000,000 ↑ 50,000,000
26/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹377 Cr	38,000,000 ↑ 38,000,000
30/04/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹331 Cr	33,500,000 ↑ 33,500,000
Indusind Bank Ltd. Debentures \| -	1%	₹293 Cr	6,000
16/04/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹198 Cr	20,000,000

7. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

Upper mid AUM (₹31,790 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.16% (bottom quartile).
1M return: 0.61% (top quartile).
Sharpe: 2.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.30% (lower mid).
Modified duration: 0.27 yrs (upper mid).
Average maturity: 0.29 yrs (upper mid).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding Union Bank of India (~1.6%).

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (17 Feb 26)	₹5,944.94 ↑ 0.28 (0.00 %)
Net Assets (Cr)	₹31,790 on 31 Dec 25
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	2.71
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.3%
Effective Maturity	3 Months 14 Days
Modified Duration	3 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,389
31 Jan 23	₹10,905
31 Jan 24	₹11,706
31 Jan 25	₹12,603
31 Jan 26	₹13,493

HDFC Money Market 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 HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.2%
3 Year	7.4%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	7.7%
2022	7.3%
2021	4.7%
2020	3.8%
2019	6.5%
2018	8.1%
2017	7.4%
2016	6.5%
2015	7.5%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	1.42 Yr.
Dhruv Muchhal	22 Jun 23	2.61 Yr.

Data below for HDFC Money Market Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	91.03%
Debt	8.7%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	50.65%
Corporate	40.36%
Government	8.73%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Union Bank of India Domestic Bonds \| -	2%	₹539 Cr	11,000
05/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹498 Cr	50,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹487 Cr	10,000
7.35% Gujarat Sgs 2026 Sovereign Bonds \| -	1%	₹481 Cr	48,000,000
Bank Of Maharashtra Domestic Bonds \| -	1%	₹469 Cr	10,000
Punjab National Bank Domestic Bonds \| -	1%	₹446 Cr	9,000
08/05/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹444 Cr	45,000,000 ↑ 45,000,000
12/03/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹348 Cr	35,000,000
12/02/2026 Maturing 364 DTB Sovereign Bonds \| -	1%	₹300 Cr	30,000,000
27/02/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹299 Cr	30,000,000 ↑ 30,000,000

8. Bandhan Money Manager Fund

(Erstwhile IDFC Money Manager Fund - Treasury Plan)

Seek to generate stable returns with a low risk strategy by creating a portfolio that is substantially invested in good quality floating rate debt or money market instruments, fixed rate debt or money market instruments swapped for floating returns and fixed rate debt and money market instruments. However, there can be no assurance that the investment objectives of the scheme will be realized.

Research Highlights for Bandhan Money Manager Fund

Bottom quartile AUM (₹12,313 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.13% (bottom quartile).
1M return: 0.58% (bottom quartile).
Sharpe: 2.78 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.32 yrs (lower mid).
Average maturity: 0.32 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Conservative stance with elevated cash (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding Union Bank of India (~3.7%).

Below is the key information for Bandhan Money Manager Fund

Bandhan Money Manager Fund Growth
Launch Date	18 Feb 03
NAV (17 Feb 26)	₹41.9202 ↑ 0.00 (0.01 %)
Net Assets (Cr)	₹12,313 on 31 Dec 25
Category	Debt - Money Market
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.58
Sharpe Ratio	2.78
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.17%
Effective Maturity	3 Months 23 Days
Modified Duration	3 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹10,308
31 Jan 23	₹10,746
31 Jan 24	₹11,472
31 Jan 25	₹12,299
31 Jan 26	₹13,172

Bandhan 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 Bandhan 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 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	1.4%
6 Month	3%
1 Year	7.1%
3 Year	7%
5 Year	5.7%
10 Year
15 Year
Since launch	6.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7.2%
2022	6.7%
2021	4%
2020	2.9%
2019	5%
2018	6.7%
2017	6.2%
2016	6%
2015	8.1%

Fund Manager information for Bandhan Money Manager Fund

Name	Since	Tenure
Gautam Kaul	1 Dec 21	4.17 Yr.
Brijesh Shah	12 Jul 21	4.56 Yr.

Data below for Bandhan Money Manager Fund as on 31 Dec 25

Asset Allocation

Asset Class	Value
Cash	82.45%
Debt	17.33%
Other	0.22%

Debt Sector Allocation

Sector	Value
Corporate	46.08%
Cash Equivalent	32.19%
Government	21.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Union Bank of India Domestic Bonds \| -	4%	₹587 Cr	60,000,000
Tbill Sovereign Bonds \| -	3%	₹442 Cr	45,000,000 ↑ 45,000,000
Tbill Sovereign Bonds \| -	3%	₹435 Cr	46,000,000 ↑ 46,000,000
Canara Bank Domestic Bonds \| -	2%	₹348 Cr	35,000,000
28/05/2026 Maturing 182 DTB Sovereign Bonds \| -	2%	₹246 Cr	25,000,000
Union Bank of India Domestic Bonds \| -	1%	₹223 Cr	22,500,000 ↑ 22,500,000
21/05/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹207 Cr	21,000,000
Bank of Baroda Debentures \| -	1%	₹147 Cr	15,000,000
14/05/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹117 Cr	11,861,000
7.19% Gujarat Sdl 2027 Sovereign Bonds \| -	1%	₹101 Cr	10,000,000 ↑ 10,000,000

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