Fincash » Mutual Funds » Best Mutual Funds for Low Risk Investors
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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.
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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Overnight Fund Growth ₹3,174.79
↑ 0.58 ₹6,251 1.7 3.3 6.6 4.7 4.6 6.77% 4D 4D SBI Overnight Fund Growth ₹3,766.96
↑ 0.68 ₹16,873 1.6 3.3 6.5 4.6 4.6 6.81% 1D 1D HDFC Overnight Fund Growth ₹3,447.14
↑ 0.62 ₹10,067 1.6 3.3 6.5 4.6 4.6 6.79% 2D 2D L&T Cash Fund Growth ₹1,627.38
↑ 0.18 ₹1,105 1.4 2.6 4.3 3.5 0% Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Dec 23
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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity BOI AXA Liquid Fund Growth ₹2,688.79
↑ 0.52 ₹1,499 0.6 1.7 3.5 7 4.9 7.07% 1M 13D 1M 13D Mahindra Liquid Fund Growth ₹1,520.54
↑ 0.28 ₹744 0.6 1.7 3.4 7 4.9 7.19% 1M 6D 1M 5D JM Liquid Fund Growth ₹63.8791
↑ 0.01 ₹1,896 0.6 1.7 3.4 6.9 4.8 7.17% 21D 22D Axis Liquid Fund Growth ₹2,599.84
↑ 0.42 ₹26,890 0.6 1.7 3.4 7 4.9 7.14% 2M 4D 2M 4D Canara Robeco Liquid Growth ₹2,812.39
↑ 0.56 ₹3,813 0.6 1.7 3.4 7 4.9 7.09% 29D 1M 1D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Dec 23
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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 (%) 2022 (%) 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 ₹486.246
↑ 0.06 ₹13,711 1.6 3.4 7.1 5.2 4.8 7.75% 5M 19D 6M 7D IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 ₹146 1.6 3.4 6.4 4.8 6.83% 2M 10D 2M 23D SBI Magnum Ultra Short Duration Fund Growth ₹5,330.89
↑ 0.76 ₹13,270 1.6 3.3 7 4.8 4.5 7.38% 5M 1D 5M 12D ICICI Prudential Ultra Short Term Fund Growth ₹24.6955
↑ 0.00 ₹12,413 1.6 3.3 6.9 5.1 4.5 7.69% 5M 16D 6M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22
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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Money Market Fund Growth ₹2,735.87
↑ 0.39 ₹11,578 1.7 3.5 7.4 5.3 4.9 7.37% 4M 17D 4M 17D Aditya Birla Sun Life Money Manager Fund Growth ₹328.352
↑ 0.05 ₹16,417 1.7 3.5 7.4 5.3 4.8 7.56% 4M 2D 4M 2D Nippon India Money Market Fund Growth ₹3,682.85
↑ 0.46 ₹12,075 1.7 3.5 7.4 5.3 5 7.42% 4M 23D 5M 4D Tata Money Market Fund Growth ₹4,190.99
↑ 0.60 ₹15,016 1.7 3.5 7.4 5.2 4.8 7.49% 5M 9D 5M 9D ICICI Prudential Money Market Fund Growth ₹336.735
↑ 0.04 ₹14,789 1.7 3.5 7.4 5.1 4.7 7.38% 4M 30D 5M 12D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Dec 23
*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. Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan 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. UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a Below is the key information for UTI Money Market Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term) The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. Aditya Birla Sun Life Money Manager Fund is a Debt - Money Market fund was launched on 13 Oct 05. It is a fund with Low risk and has given a Below is the key information for Aditya Birla Sun Life Money Manager 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. Nippon India Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on (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. Tata Money Market Fund is a Debt - Money Market fund was launched on 22 May 03. It is a fund with Low risk and has given a Below is the key information for Tata Money Market Fund Returns up to 1 year are on 1. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized
return of 8.9% since its launch. . 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 30 Nov 18 ₹10,000 30 Nov 19 ₹10,973 30 Nov 20 ₹11,436 30 Nov 21 ₹12,767
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 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 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. UTI Money Market Fund
CAGR/Annualized
return of 7.2% since its launch. Ranked 23 in Money Market
category. Return for 2022 was 4.9% , 2021 was 3.7% and 2020 was 6% . UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (01 Dec 23) ₹2,735.87 ↑ 0.39 (0.01 %) Net Assets (Cr) ₹11,578 on 31 Oct 23 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.75 Sharpe Ratio 2.62 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 4 Months 17 Days Modified Duration 4 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,832 30 Nov 20 ₹11,501 30 Nov 21 ₹11,931 30 Nov 22 ₹12,482 30 Nov 23 ₹13,411 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 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 5.3% 5 Year 6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% 2013 9.2% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 1.92 Yr. Amit Sharma 7 Jul 17 6.32 Yr. Data below for UTI Money Market Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 86.58% Debt 13.26% Other 0.16% Debt Sector Allocation
Sector Value Cash Equivalent 39.86% Government 32.14% Corporate 27.84% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -2% ₹282 Cr 2,900,000,000 182 DTB 29022024
Sovereign Bonds | -2% ₹196 Cr 2,000,000,000 182 DTB 07032023
Sovereign Bonds | -2% ₹195 Cr 2,000,000,000 182 DTB 14032024
Sovereign Bonds | -2% ₹195 Cr 2,000,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹187 Cr 2,000,000,000
↑ 2,000,000,000 364 DTB 07032024
Sovereign Bonds | -2% ₹181 Cr 1,850,000,000 07.97 OD Sdl 2024
Sovereign Bonds | -1% ₹150 Cr 1,500,000,000
↓ -2,000,000,000 364 DTB 26012024
Sovereign Bonds | -1% ₹148 Cr 1,500,000,000 364 DTB 14032024
Sovereign Bonds | -1% ₹97 Cr 1,000,000,000 364 DTB 22032024
Sovereign Bonds | -1% ₹97 Cr 1,000,000,000 3. Aditya Birla Sun Life Money Manager Fund
CAGR/Annualized
return of 6.8% since its launch. Ranked 7 in Money Market
category. Return for 2022 was 4.8% , 2021 was 3.8% and 2020 was 6.6% . Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (01 Dec 23) ₹328.352 ↑ 0.05 (0.01 %) Net Assets (Cr) ₹16,417 on 31 Oct 23 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.34 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.56% Effective Maturity 4 Months 2 Days Modified Duration 4 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,843 30 Nov 20 ₹11,579 30 Nov 21 ₹12,021 30 Nov 22 ₹12,570 30 Nov 23 ₹13,505 Returns for Aditya Birla Sun Life Money Manager Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 7 Aug 22 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 5.3% 5 Year 6.2% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.8% 2020 6.6% 2019 8% 2018 7.9% 2017 6.8% 2016 7.7% 2015 8.4% 2014 9.2% 2013 9.4% Fund Manager information for Aditya Birla Sun Life Money Manager Fund
Name Since Tenure Kaustubh Gupta 15 Jul 11 12.3 Yr. Anuj Jain 22 Mar 21 2.61 Yr. Mohit Sharma 1 Apr 17 6.59 Yr. Dhaval Joshi 21 Nov 22 0.94 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 92.69% Debt 7.1% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 37.47% Corporate 34.95% Government 27.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Bank Ltd.
Debentures | -2% ₹281 Cr 6,000
↑ 6,000 7.68% Govt Stock 2023
Sovereign Bonds | -2% ₹250 Cr 25,000,000 DBS Bank India Ltd.
Debentures | -1% ₹246 Cr 5,000
↑ 5,000 7.32% Govt Stock 2024
Sovereign Bonds | -1% ₹240 Cr 24,000,000
↑ 2,500,000 364 DTB 08022024
Sovereign Bonds | -1% ₹236 Cr 24,000,000 Kotak Mahindra Bank Ltd.
Debentures | -1% ₹234 Cr 5,000
↑ 5,000 182 DTB 11012024
Sovereign Bonds | -1% ₹197 Cr 20,000,000 364 DTB 07032024
Sovereign Bonds | -1% ₹195 Cr 20,000,000 182 DTB 21122023
Sovereign Bonds | -1% ₹188 Cr 19,000,000 182 DTB 14122023
Sovereign Bonds | -1% ₹124 Cr 12,500,000 4. Nippon India Money Market Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 27 in Money Market
category. Return for 2022 was 5% , 2021 was 3.8% and 2020 was 6% . Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (01 Dec 23) ₹3,682.85 ↑ 0.46 (0.01 %) Net Assets (Cr) ₹12,075 on 31 Oct 23 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.31 Sharpe Ratio 2.31 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.42% Effective Maturity 5 Months 4 Days Modified Duration 4 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,849 30 Nov 20 ₹11,513 30 Nov 21 ₹11,947 30 Nov 22 ₹12,510 30 Nov 23 ₹13,433 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 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 5.3% 5 Year 6.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2022 5% 2021 3.8% 2020 6% 2019 8.1% 2018 7.9% 2017 6.6% 2016 7.6% 2015 8.3% 2014 9.1% 2013 9.2% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Anju Chhajer 1 Feb 20 3.75 Yr. Kinjal Desai 16 Jul 18 5.3 Yr. Akshay Sharma 1 Dec 22 0.92 Yr. Data below for Nippon India Money Market Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 80.55% Debt 19.24% Other 0.21% Debt Sector Allocation
Sector Value Government 36.59% Cash Equivalent 34.26% Corporate 28.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 22022024
Sovereign Bonds | -4% ₹440 Cr 45,000,000 182 DTB 07032023
Sovereign Bonds | -3% ₹342 Cr 35,000,000 182 DTB 29022024
Sovereign Bonds | -3% ₹313 Cr 32,000,000
↓ -23,000,000 Axis Bank Ltd.
Debentures | -2% ₹281 Cr 6,000
↑ 6,000 182 DTB 14032024
Sovereign Bonds | -2% ₹201 Cr 20,609,100 7.32% Govt Stock 2024
Sovereign Bonds | -1% ₹155 Cr 15,500,000 364 DTB 29022024
Sovereign Bonds | -1% ₹147 Cr 15,000,000 Goi Strips - Mat 190324
Sovereign Bonds | -1% ₹130 Cr 13,320,000 364 DTB 22032024
Sovereign Bonds | -1% ₹92 Cr 9,500,000
↓ -2,500,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹92 Cr 2,000
↑ 2,000 5. Tata Money Market Fund
CAGR/Annualized
return of 6.7% since its launch. Ranked 30 in Money Market
category. Return for 2022 was 4.8% , 2021 was 3.9% and 2020 was 6.4% . Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (01 Dec 23) ₹4,190.99 ↑ 0.60 (0.01 %) Net Assets (Cr) ₹15,016 on 31 Oct 23 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 2.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.49% Effective Maturity 5 Months 9 Days Modified Duration 5 Months 9 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 18 ₹10,000 30 Nov 19 ₹10,863 30 Nov 20 ₹11,569 30 Nov 21 ₹12,019 30 Nov 22 ₹12,561 30 Nov 23 ₹13,489 Returns for Tata 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 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 5.2% 5 Year 6.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.8% 2021 3.9% 2020 6.4% 2019 8.1% 2018 -0.1% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% 2013 9.2% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 10.05 Yr. Data below for Tata Money Market Fund as on 31 Oct 23
Asset Allocation
Asset Class Value Cash 88.98% Debt 10.87% Other 0.15% Debt Sector Allocation
Sector Value Cash Equivalent 39.31% Corporate 32.22% Government 28.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 29022024
Sovereign Bonds | -3% ₹469 Cr 48,000,000
↑ 10,000,000 182 DTB 04042024
Sovereign Bonds | -3% ₹461 Cr 47,500,000
↑ 47,500,000 182 DTB 16022024
Sovereign Bonds | -1% ₹186 Cr 19,000,000 182 DTB 29032024
Sovereign Bonds | -1% ₹136 Cr 14,000,000
↑ 14,000,000 India (Republic of)
- | -1% ₹125 Cr 12,813,600 182 DTB 22022024
Sovereign Bonds | -1% ₹122 Cr 12,500,000 182 DTB 18012024
Sovereign Bonds | -1% ₹99 Cr 10,000,000 364 DTB 14032024
Sovereign Bonds | -0% ₹49 Cr 5,000,000
↑ 5,000,000 07.89 MH Sdl 2024
Sovereign Bonds | -0% ₹43 Cr 4,250,000 09.41 KL Sdl 2024
Sovereign Bonds | -0% ₹35 Cr 3,500,000
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