+91-22-48913909Top 4 Mutual Funds for Low Risk Investors
If you are approaching retirement or are a newbie to Mutual Funds or if you are looking for an investment that won’t cause you much loss and protect your funds at the same time, then we have got some options that you need to have a look at.
Ideally, low-risk investors are the one who wants to invest their money, but don’t want to risk their investments. In other words, they want to make a safe investment in Mutual Funds.
Debt fund, a type of Mutual Fund, have some of the best low-risk investments for conservative investors. As debt funds invest in government Bonds, money Market securities, etc., they carry a lower risk, compared to equities. Also, since these funds have a low-risk, the maturity duration of these funds is short, varying from a few days to a year. But, these funds are known for this short-term returns. Risk-averse investors can invest in these funds for a short duration and earn optimal returns.
Best Low Risk Mutual Funds for Low Risk Investors
Overnight Funds
These are a debt scheme that will invest in bonds that mature in a day. In other words, investment is done in overnight securities with a maturity of one day. This is a safe option for investors who want to park money without worrying about risks and returns. Some overnight scheme, in order to generate credit risk-free return by way of Income or growth, invests in Central Government Securities, Treasury Bills, Call Money and Repos. This is a great option for investors who want to invest their surplus amount for a night. However, one who don't want to redeem their fund overnight, can let it remain in the scheme.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Overnight Fund Growth ₹3,527.78
↑ 0.50 ₹3,572 1.4 2.9 6.2 6.4 6.7 5.38% 2D 2D SBI Overnight Fund Growth ₹4,182.28
↑ 0.60 ₹26,195 1.3 2.8 6.2 6.3 6.6 5.26% 1D 1D HDFC Overnight Fund Growth ₹3,825.86
↑ 0.55 ₹9,709 1.3 2.8 6.1 6.3 6.6 5.5% 2D 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Aug 25 Research Highlights & Commentary of 3 Funds showcased
Commentary UTI Overnight Fund SBI Overnight Fund HDFC Overnight Fund Point 1 Bottom quartile AUM (₹3,572 Cr). Highest AUM (₹26,195 Cr). Lower mid AUM (₹9,709 Cr). Point 2 Established history (21+ yrs). Established history (22+ yrs). Oldest track record among peers (23 yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.22% (upper mid). 1Y return: 6.17% (lower mid). 1Y return: 6.12% (bottom quartile). Point 6 1M return: 0.45% (upper mid). 1M return: 0.45% (lower mid). 1M return: 0.44% (bottom quartile). Point 7 Sharpe: -19.72 (upper mid). Sharpe: -21.91 (lower mid). Sharpe: -23.05 (bottom quartile). Point 8 Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 5.38% (lower mid). Yield to maturity (debt): 5.26% (bottom quartile). Yield to maturity (debt): 5.50% (upper mid). Point 10 Modified duration: 0.01 yrs (lower mid). Modified duration: 0.00 yrs (upper mid). Modified duration: 0.01 yrs (bottom quartile). UTI Overnight Fund
SBI Overnight Fund
HDFC Overnight Fund
Liquid Funds
Liquid Funds invest in securities that have a low maturity period, usually less than 91 days. These funds mainly invest in treasury bills, commercial papers, term deposit, etc. Liquid funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Generally, anyone having idle cash in their savings account must have thought of Investing it somewhere to make more money out of it. Investors who want risk-free investment can ideally prefer investing in these funds.
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D Indiabulls Liquid Fund Growth ₹2,541.68
↑ 0.35 ₹328 0.5 1.6 3.4 7 7.4 5.87% 1M 28D 1M 29D Axis Liquid Fund Growth ₹2,926.42
↑ 0.40 ₹33,529 0.5 1.5 3.4 7 7.4 5.96% 1M 27D 2M 1D BOI AXA Liquid Fund Growth ₹3,026.78
↑ 0.40 ₹2,088 0.5 1.6 3.3 7.1 7.4 5.85% 1M 28D 1M 24D Canara Robeco Liquid Growth ₹3,163.39
↑ 0.44 ₹5,383 0.5 1.5 3.3 7 7.4 5.85% 1M 24D 1M 27D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23 Research Highlights & Commentary of 5 Funds showcased
Commentary IDBI Liquid Fund Indiabulls Liquid Fund Axis Liquid Fund BOI AXA Liquid Fund Canara Robeco Liquid Point 1 Bottom quartile AUM (₹503 Cr). Bottom quartile AUM (₹328 Cr). Highest AUM (₹33,529 Cr). Lower mid AUM (₹2,088 Cr). Upper mid AUM (₹5,383 Cr). Point 2 Established history (15+ yrs). Established history (13+ yrs). Established history (15+ yrs). Oldest track record among peers (17 yrs). Established history (17+ yrs). Point 3 Rating: 3★ (lower mid). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (bottom quartile). 1Y return: 7.04% (lower mid). 1Y return: 7.05% (upper mid). 1Y return: 7.07% (top quartile). 1Y return: 7.03% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (bottom quartile). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.32 (bottom quartile). Sharpe: 3.87 (upper mid). Sharpe: 4.68 (top quartile). Sharpe: 3.61 (lower mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: -1.49 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.31 (top quartile). Information ratio: -0.21 (lower mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.96% (upper mid). Yield to maturity (debt): 5.85% (bottom quartile). Yield to maturity (debt): 5.85% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.16 yrs (lower mid). Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.15 yrs (upper mid). IDBI Liquid Fund
Indiabulls Liquid Fund
Axis Liquid Fund
BOI AXA Liquid Fund
Canara Robeco Liquid
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Ultra Short Term Funds
Ultra short duration funds invest in Fixed Income instruments which have a Macaulay duration between three to six months. Ultra short-term funds help investors avoid interest rate risks and also offer better returns compared to liquid debt funds. These funds are short-term investments that are highly suitable for investors who are willing to marginally increase the risk of investment to earn good returns. Typically, the yield on a debt instrument is higher for instruments with longer maturities. Thus, securities in ultra short mutual funds usually earn a higher yield as compared to Liquid funds (albeit at a relatively higher risk). As a result, ultra short term funds may give marginally better returns than liquid funds over comparable periods of time.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04 ₹297 1.3 5.9 13.7 8.8 0% 1Y 15D Aditya Birla Sun Life Savings Fund Growth ₹553.242
↑ 0.22 ₹20,228 2 4.1 8.1 7.4 7.9 6.72% 5M 26D 6M 29D ICICI Prudential Ultra Short Term Fund Growth ₹27.929
↑ 0.01 ₹16,051 1.9 3.9 7.6 7.1 7.5 6.79% 5M 12D 7M 24D SBI Magnum Ultra Short Duration Fund Growth ₹6,022.45
↑ 2.49 ₹16,408 1.8 3.8 7.5 7.1 7.4 6.26% 5M 1D 6M 4D Kotak Savings Fund Growth ₹43.2174
↑ 0.02 ₹15,527 1.8 3.8 7.3 6.9 7.2 6.49% 5M 12D 5M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Ultra Short Bond Fund - Super Institutional Plan Aditya Birla Sun Life Savings Fund ICICI Prudential Ultra Short Term Fund SBI Magnum Ultra Short Duration Fund Kotak Savings Fund Point 1 Bottom quartile AUM (₹297 Cr). Highest AUM (₹20,228 Cr). Lower mid AUM (₹16,051 Cr). Upper mid AUM (₹16,408 Cr). Bottom quartile AUM (₹15,527 Cr). Point 2 Established history (17+ yrs). Established history (22+ yrs). Established history (14+ yrs). Oldest track record among peers (26 yrs). Established history (21+ yrs). Point 3 Rating: 1★ (bottom quartile). Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Moderately Low. Point 5 1Y return: 13.69% (top quartile). 1Y return: 8.09% (upper mid). 1Y return: 7.57% (lower mid). 1Y return: 7.50% (bottom quartile). 1Y return: 7.34% (bottom quartile). Point 6 1M return: 0.59% (top quartile). 1M return: 0.50% (upper mid). 1M return: 0.48% (lower mid). 1M return: 0.47% (bottom quartile). 1M return: 0.46% (bottom quartile). Point 7 Sharpe: 2.57 (bottom quartile). Sharpe: 3.55 (top quartile). Sharpe: 2.79 (upper mid). Sharpe: 2.74 (lower mid). Sharpe: 2.10 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 6.72% (upper mid). Yield to maturity (debt): 6.79% (top quartile). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.49% (lower mid). Point 10 Modified duration: 0.00 yrs (top quartile). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.45 yrs (lower mid). Modified duration: 0.42 yrs (upper mid). Modified duration: 0.45 yrs (bottom quartile). Franklin India Ultra Short Bond Fund - Super Institutional Plan
Aditya Birla Sun Life Savings Fund
ICICI Prudential Ultra Short Term Fund
SBI Magnum Ultra Short Duration Fund
Kotak Savings Fund
Money Market Funds
The money market fund invests in many markets such as commercial/treasury bills, commercial papers, Certificate of Deposit and other instruments specified by the Reserve Bank of India (RBI). These investments are a good option for risk-averse investors who want to earn good returns in short duration. This debt scheme will invest in money market instruments having a maturity up to one year. The performance of Money market funds is closely tied to the interest rates set by the Reserve Bank of India, the Central Bank of India. So, when RBI raises rates in the market, yields increase, and money market funds are able to give good returns.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Savings Fund Growth ₹50.6585
↑ 0.02 ₹3,441 1.9 4.2 8.1 7.4 7.7 6.46% 8M 8D 8M 26D Nippon India Money Market Fund Growth ₹4,191.62
↑ 1.63 ₹20,191 2 4.2 8 7.5 7.8 6.35% 7M 2D 7M 15D ICICI Prudential Money Market Fund Growth ₹383.224
↑ 0.16 ₹29,264 1.9 4.2 8 7.5 7.7 6.33% 7M 19D 8M 4D UTI Money Market Fund Growth ₹3,113.98
↑ 1.24 ₹18,354 1.9 4.2 8.1 7.6 7.7 6.3% 7M 13D 7M 13D Tata Money Market Fund Growth ₹4,767.99
↑ 1.92 ₹32,551 1.9 4.2 8 7.5 7.7 6.33% 7M 24D 7M 25D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Franklin India Savings Fund Nippon India Money Market Fund ICICI Prudential Money Market Fund UTI Money Market Fund Tata Money Market Fund Point 1 Bottom quartile AUM (₹3,441 Cr). Lower mid AUM (₹20,191 Cr). Upper mid AUM (₹29,264 Cr). Bottom quartile AUM (₹18,354 Cr). Highest AUM (₹32,551 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (20+ yrs). Established history (19+ yrs). Established history (16+ yrs). Established history (22+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 8.06% (upper mid). 1Y return: 8.03% (bottom quartile). 1Y return: 8.04% (lower mid). 1Y return: 8.08% (top quartile). 1Y return: 8.00% (bottom quartile). Point 6 1M return: 0.47% (bottom quartile). 1M return: 0.47% (lower mid). 1M return: 0.47% (upper mid). 1M return: 0.48% (top quartile). 1M return: 0.47% (bottom quartile). Point 7 Sharpe: 3.09 (bottom quartile). Sharpe: 3.17 (upper mid). Sharpe: 3.15 (lower mid). Sharpe: 3.32 (top quartile). Sharpe: 3.09 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.46% (top quartile). Yield to maturity (debt): 6.35% (upper mid). Yield to maturity (debt): 6.33% (lower mid). Yield to maturity (debt): 6.30% (bottom quartile). Yield to maturity (debt): 6.33% (bottom quartile). Point 10 Modified duration: 0.69 yrs (bottom quartile). Modified duration: 0.59 yrs (top quartile). Modified duration: 0.64 yrs (lower mid). Modified duration: 0.62 yrs (upper mid). Modified duration: 0.65 yrs (bottom quartile). Franklin India Savings Fund
Nippon India Money Market Fund
ICICI Prudential Money Market Fund
UTI Money Market Fund
Tata Money Market Fund
*Above is list of best low-risk funds are having AUM/Net Assets above 100 Crore. Sorted on Last 6 Months Return.
To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments. Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan Returns up to 1 year are on (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 Below is the key information for Franklin India Savings Fund Returns up to 1 year are on (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 Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on 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 Below is the key information for ICICI Prudential Money Market Fund Returns up to 1 year are on 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 Below is the key information for UTI Money Market Fund Returns up to 1 year are on 1. Franklin India Ultra Short Bond Fund - Super Institutional Plan
Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (07 Aug 22) ₹34.9131 ↑ 0.04 (0.11 %) Net Assets (Cr) ₹297 on 31 Jul 22 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.52 Sharpe Ratio 2.57 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity 1 Year 15 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,833 31 Jul 22 ₹12,298
Purchase not allowed Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 5.9% 1 Year 13.7% 3 Year 8.8% 5 Year 8.7% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Jul 22
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. Franklin India Savings Fund
Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (11 Aug 25) ₹50.6585 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹3,441 on 30 Jun 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.27 Sharpe Ratio 3.09 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.46% Effective Maturity 8 Months 26 Days Modified Duration 8 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,366 31 Jul 22 ₹10,725 31 Jul 23 ₹11,456 31 Jul 24 ₹12,308 31 Jul 25 ₹13,300 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.2% 1 Year 8.1% 3 Year 7.4% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.3% 2022 4.4% 2021 3.6% 2020 6% 2019 8.5% 2018 7.5% 2017 7.2% 2016 8.1% 2015 8.3% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.82 Yr. Rohan Maru 10 Oct 24 0.81 Yr. Chandni Gupta 30 Apr 24 1.25 Yr. Data below for Franklin India Savings Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 86.64% Debt 13.13% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 43.01% Corporate 32.44% Government 24.33% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹217 Cr 22,500,000 182 Days Tbill
Sovereign Bonds | -3% ₹110 Cr 11,000,000
↑ 11,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹72 Cr 1,500 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹48 Cr 5,000,000 HDFC Bank Ltd.
Debentures | -1% ₹48 Cr 1,000 Indian Bank
Domestic Bonds | -1% ₹48 Cr 1,000 Punjab National Bank
Domestic Bonds | -1% ₹48 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹30 Cr 2,860,000 Bank of Baroda
Debentures | -1% ₹24 Cr 500 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹9 Cr 8,236
↑ 2,464 3. Nippon India Money Market Fund
Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (11 Aug 25) ₹4,191.62 ↑ 1.63 (0.04 %) Net Assets (Cr) ₹20,191 on 30 Jun 25 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.37 Sharpe Ratio 3.17 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.35% Effective Maturity 7 Months 15 Days Modified Duration 7 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,400 31 Jul 22 ₹10,808 31 Jul 23 ₹11,570 31 Jul 24 ₹12,446 31 Jul 25 ₹13,447 Returns for Nippon India Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22 Duration Returns 1 Month 0.5% 3 Month 2% 6 Month 4.2% 1 Year 8% 3 Year 7.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.8% 2023 7.4% 2022 5% 2021 3.8% 2020 6% 2019 8.1% 2018 7.9% 2017 6.6% 2016 7.6% 2015 8.3% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 7.05 Yr. Vikash Agarwal 14 Sep 24 0.88 Yr. Data below for Nippon India Money Market Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 81.18% Debt 18.57% Other 0.24% Debt Sector Allocation
Sector Value Corporate 43.52% Cash Equivalent 36.23% Government 20.01% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Punjab National Bank
Domestic Bonds | -2% ₹494 Cr 10,000
↑ 10,000 Indian Bank
Domestic Bonds | -2% ₹494 Cr 10,000
↑ 10,000 Axis Bank Ltd.
Debentures | -2% ₹475 Cr 10,000
↑ 10,000 364 DTB 27022026
Sovereign Bonds | -1% ₹242 Cr 25,000,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -1% ₹242 Cr 25,000,000 Uttarakhand (Government of) 7.36%
- | -1% ₹230 Cr 22,783,400 Indian Bank
Domestic Bonds | -1% ₹216 Cr 4,500 Axis Bank Ltd.
Debentures | -1% ₹189 Cr 4,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹169 Cr 17,500,000 0% Goi - 16dec25 Strips
Sovereign Bonds | -1% ₹158 Cr 16,169,400
↑ 16,169,400 4. ICICI Prudential Money Market Fund
ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (11 Aug 25) ₹383.224 ↑ 0.16 (0.04 %) Net Assets (Cr) ₹29,264 on 30 Jun 25 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 3.15 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.33% Effective Maturity 8 Months 4 Days Modified Duration 7 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,391 31 Jul 22 ₹10,773 31 Jul 23 ₹11,532 31 Jul 24 ₹12,399 31 Jul 25 ₹13,397 Returns for ICICI Prudential Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.2% 1 Year 8% 3 Year 7.5% 5 Year 6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.7% 2021 3.7% 2020 6.2% 2019 7.9% 2018 7.7% 2017 6.7% 2016 7.7% 2015 8.3% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Manish Banthia 12 Jun 23 2.14 Yr. Nikhil Kabra 3 Aug 16 9 Yr. Data below for ICICI Prudential Money Market Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 81.02% Debt 18.76% Other 0.23% Debt Sector Allocation
Sector Value Corporate 42.4% Cash Equivalent 35.44% Government 21.93% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -5% ₹1,931 Cr 200,000,000 Bank of India Ltd.
Debentures | -1% ₹480 Cr 10,000 UCO Bank
Domestic Bonds | -1% ₹474 Cr 10,000 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -1% ₹459 Cr 47,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹384 Cr 8,000 Indian Bank
Domestic Bonds | -1% ₹240 Cr 5,000 IDFC First Bank Ltd.
Debentures | -1% ₹237 Cr 5,000 HDFC Bank Ltd.
Debentures | -1% ₹236 Cr 5,000 364 DTB 19mar2026
Sovereign Bonds | -1% ₹217 Cr 22,500,000
↓ -27,500,000 Punjab National Bank
Domestic Bonds | -1% ₹200 Cr 4,000
↑ 4,000 5. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (11 Aug 25) ₹3,113.98 ↑ 1.24 (0.04 %) Net Assets (Cr) ₹18,354 on 30 Jun 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.3% Effective Maturity 7 Months 13 Days Modified Duration 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,397 31 Jul 22 ₹10,798 31 Jul 23 ₹11,563 31 Jul 24 ₹12,437 31 Jul 25 ₹13,442 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22 Duration Returns 1 Month 0.5% 3 Month 1.9% 6 Month 4.2% 1 Year 8.1% 3 Year 7.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.67 Yr. Amit Sharma 7 Jul 17 8.07 Yr. Data below for UTI Money Market Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 79.43% Debt 20.35% Other 0.21% Debt Sector Allocation
Sector Value Corporate 50.43% Cash Equivalent 27.13% Government 22.23% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -2% ₹483 Cr 5,000,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹482 Cr 5,000,000,000 India (Republic of)
- | -2% ₹464 Cr 4,750,000,000 HDFC Bank Ltd.
Debentures | -2% ₹401 Cr 4,250,000,000
↓ -750,000,000 Axis Bank Ltd.
Debentures | -1% ₹285 Cr 3,000,000,000
↑ 3,000,000,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹241 Cr 2,500,000,000 Gs CG 12/12/2025 - (Strips) Tb
Sovereign Bonds | -1% ₹221 Cr 2,255,700,000
↑ 2,255,700,000 364 DTB 12022026
Sovereign Bonds | -1% ₹194 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹193 Cr 2,000,000,000 HDFC Bank Ltd.
Debentures | -1% ₹192 Cr 2,000,000,000
↑ 2,000,000,000
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Research Highlights for Franklin India Ultra Short Bond Fund - Super Institutional Plan