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Top 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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Overnight Fund Growth ₹3,074.47
↑ 0.52 ₹6,196 1.6 3.2 5.9 4.1 4.6 6.86% 2D SBI Overnight Fund Growth ₹3,650.07
↑ 0.60 ₹17,441 1.6 3.2 5.9 4 4.6 7.36% 1D 1D HDFC Overnight Fund Growth ₹3,340.56
↑ 0.56 ₹18,186 1.6 3.1 5.8 4 4.6 6.38% 2D 3D 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 5 Jun 23
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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Liquid Fund Growth ₹364.352
↑ 0.08 ₹39,131 0.6 1.9 3.5 6.3 4.8 7.32% 1M 20D 1M 20D Axis Liquid Fund Growth ₹2,515.63
↑ 0.53 ₹25,739 0.6 1.8 3.5 6.3 4.9 7.09% 1M 8D 1M 8D Canara Robeco Liquid Growth ₹2,720.37
↑ 0.57 ₹3,732 0.6 1.8 3.5 6.3 4.9 7.07% 1M 4D 1M 7D UTI Liquid Cash Plan Growth ₹3,709.6
↑ 0.75 ₹27,772 0.6 1.8 3.5 6.3 4.8 7.23% 1M 27D 1M 27D Baroda Pioneer Liquid Fund Growth ₹2,602.75
↑ 0.52 ₹7,111 0.6 1.8 3.5 6.3 4.9 7.15% 26D 29D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Jun 23
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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 (%) 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 ₹470.543
↑ 0.29 ₹14,525 2 3.6 6.5 5.2 4.8 7.56% 5M 8D 5M 16D SBI Magnum Ultra Short Duration Fund Growth ₹5,163.42
↑ 2.84 ₹11,493 2 3.5 6.3 4.6 4.5 7.44% 5M 12D 5M 26D ICICI Prudential Ultra Short Term Fund Growth ₹23.9282
↑ 0.01 ₹12,645 2 3.5 6.3 5.1 4.5 7.57% 4M 17D 5M 5D Kotak Savings Fund Growth ₹37.1848
↑ 0.02 ₹10,606 2 3.5 6.2 4.5 4.5 7.54% 6M 25D 9M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22
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 (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Money Manager Fund Growth ₹317.532
↑ 0.19 ₹13,881 2.2 3.8 6.8 5 4.8 7.46% 7M 6D 7M 6D UTI Money Market Fund Growth ₹2,645.13
↑ 1.60 ₹8,692 2.2 3.8 6.7 5 4.9 7.48% 6M 29D 6M 29D Tata Money Market Fund Growth ₹4,053.75
↑ 2.40 ₹10,077 2.2 3.8 6.7 5 4.8 7.44% 6M 29D 6M 29D ICICI Prudential Money Market Fund Growth ₹325.758
↑ 0.20 ₹11,787 2.2 3.8 6.7 4.9 4.7 7.43% 7M 24D 8M 13D Nippon India Money Market Fund Growth ₹3,562
↑ 2.05 ₹10,548 2.1 3.8 6.7 4.9 5 7.43% 4M 30D 5M 19D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Jun 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 (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 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 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 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. ICICI Prudential Money Market Fund is a Debt - Money Market fund was launched on 9 Mar 06. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential 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 31 May 18 ₹10,000 31 May 19 ₹10,977 31 May 20 ₹11,436 31 May 21 ₹12,326 31 May 22 ₹14,218
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. 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 (05 Jun 23) ₹317.532 ↑ 0.19 (0.06 %) Net Assets (Cr) ₹13,881 on 30 Apr 23 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 0.16 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 7 Months 6 Days Modified Duration 7 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,855 31 May 20 ₹11,726 31 May 21 ₹12,274 31 May 22 ₹12,717 31 May 23 ₹13,572 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 0.7% 3 Month 2.2% 6 Month 3.8% 1 Year 6.8% 3 Year 5% 5 Year 6.3% 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 11.8 Yr. Anuj Jain 22 Mar 21 2.11 Yr. Mohit Sharma 1 Apr 17 6.08 Yr. Dhaval Joshi 21 Nov 22 0.44 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 89.28% Debt 10.72% Debt Sector Allocation
Sector Value Cash Equivalent 39.4% Government 33.26% Corporate 27.35% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 22092023
Sovereign Bonds | -3% ₹488 Cr 50,000,000 182 DTB 29062023
Sovereign Bonds | -3% ₹356 Cr 35,842,970 7.68% Govt Stock 2023
Sovereign Bonds | -2% ₹251 Cr 25,000,000 364 DTB 07122023
Sovereign Bonds | -2% ₹241 Cr 25,000,000 364 DTB 07032024
Sovereign Bonds | -1% ₹189 Cr 20,000,000 182 DTB 06072023
Sovereign Bonds | -1% ₹149 Cr 15,000,000 364 DTB 08022024
Sovereign Bonds | -1% ₹133 Cr 14,000,000 07.77 GJ Sdl 2023
Sovereign Bonds | -1% ₹120 Cr 12,000,000 182 DTB 13072023
Sovereign Bonds | -1% ₹99 Cr 10,000,000 364 DTB 14032024
Sovereign Bonds | -1% ₹71 Cr 7,500,000 3. 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 (05 Jun 23) ₹2,645.13 ↑ 1.60 (0.06 %) Net Assets (Cr) ₹8,692 on 30 Apr 23 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.48% Effective Maturity 6 Months 29 Days Modified Duration 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,844 31 May 20 ₹11,658 31 May 21 ₹12,178 31 May 22 ₹12,625 31 May 23 ₹13,465 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 0.7% 3 Month 2.2% 6 Month 3.8% 1 Year 6.7% 3 Year 5% 5 Year 6.1% 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 1.41 Yr. Amit Sharma 7 Jul 17 5.82 Yr. Data below for UTI Money Market Fund as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 80.56% Debt 19.44% Debt Sector Allocation
Sector Value Cash Equivalent 38.77% Government 32.31% Corporate 28.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 22092023
Sovereign Bonds | -8% ₹683 Cr 7,000,000,000 182 DTB 14092023
Sovereign Bonds | -7% ₹635 Cr 6,500,000,000 182 DTB 31082023
Sovereign Bonds | -2% ₹147 Cr 1,500,000,000 182 DTB 07092023
Sovereign Bonds | -2% ₹147 Cr 1,500,000,000 182 DTB 17082023
Sovereign Bonds | -1% ₹74 Cr 750,000,000 182 DTB 24082023
Sovereign Bonds | -1% ₹64 Cr 650,000,000 08.27 RJ UDAY 2023
Domestic Bonds | -1% ₹50 Cr 500,000,000 Small Industries Development Bank Of India
Commercial Paper | -4% ₹390 Cr 4,000,000,000
↑ 1,500,000,000 Net Current Assets
Net Current Assets | -4% ₹347 Cr Motilal Oswal Financial Services Limited
Commercial Paper | -2% ₹200 Cr 2,000,000,000 4. 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 (05 Jun 23) ₹4,053.75 ↑ 2.40 (0.06 %) Net Assets (Cr) ₹10,077 on 15 May 23 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 0.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 6 Months 29 Days Modified Duration 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,071 31 May 20 ₹10,844 31 May 21 ₹11,351 31 May 22 ₹11,759 31 May 23 ₹12,540 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 0.7% 3 Month 2.2% 6 Month 3.8% 1 Year 6.7% 3 Year 5% 5 Year 4.6% 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 9.55 Yr. Data below for Tata Money Market Fund as on 15 May 23
Asset Allocation
Asset Class Value Cash 82.31% Debt 17.69% Debt Sector Allocation
Sector Value Cash Equivalent 36.59% Corporate 31.8% Government 31.61% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 07092023
Sovereign Bonds | -6% ₹651 Cr 66,500,000 182 DTB 14092023
Sovereign Bonds | -6% ₹572 Cr 58,500,000 182 DTB 31082023
Sovereign Bonds | -5% ₹495 Cr 50,500,000
↑ 10,000,000 182 DTB 22062023
Sovereign Bonds | -2% ₹159 Cr 16,000,000
↓ -6,500,000 364 DTB 22022024
Sovereign Bonds | -0% ₹47 Cr 5,000,000 182 DTB 22092023
Sovereign Bonds | -0% ₹15 Cr 1,500,000 09.40 RJ Sdl 2023
Sovereign Bonds | -0% ₹3 Cr 300,000 7.10% Govt Stock 2029
Sovereign Bonds | -0% ₹1 Cr 81,200 National Bank For Agriculture And Rural Development
Certificate of Deposit | -4% ₹404 Cr 8,500 State Bank Of India
Certificate of Deposit | -4% ₹354 Cr 7,500 5. ICICI Prudential Money Market Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 17 in Money Market category. Return for 2022 was 4.7% , 2021 was 3.7% and 2020 was 6.2% . ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (05 Jun 23) ₹325.758 ↑ 0.20 (0.06 %) Net Assets (Cr) ₹11,787 on 30 Apr 23 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.43% Effective Maturity 8 Months 13 Days Modified Duration 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,823 31 May 20 ₹11,657 31 May 21 ₹12,173 31 May 22 ₹12,599 31 May 23 ₹13,431 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 0.7% 3 Month 2.2% 6 Month 3.8% 1 Year 6.7% 3 Year 4.9% 5 Year 6.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.7% 2021 3.7% 2020 6.2% 2019 7.9% 2018 7.7% 2017 6.7% 2016 7.7% 2015 8.3% 2014 9.1% 2013 9.2% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Rahul Goswami 30 Oct 13 9.51 Yr. Nikhil Kabra 3 Aug 16 6.75 Yr. Data below for ICICI Prudential Money Market Fund as on 30 Apr 23
Asset Allocation
Asset Class Value Cash 83.05% Debt 16.95% Debt Sector Allocation
Sector Value Cash Equivalent 35.34% Corporate 33.06% Government 31.61% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 22032024
Sovereign Bonds | -5% ₹566 Cr 60,000,000 08.35 SBI RT SB 2024
Domestic Bonds | -4% ₹504 Cr 50,000,000
↑ 50,000,000 182 DTB 22092023
Sovereign Bonds | -2% ₹244 Cr 25,000,000 182 DTB 31082023
Sovereign Bonds | -2% ₹206 Cr 21,000,000 182 DTB 03082023
Sovereign Bonds | -2% ₹197 Cr 20,000,000 182 DTB 07092023
Sovereign Bonds | -2% ₹196 Cr 20,000,000 182 DTB 24082023
Sovereign Bonds | -2% ₹182 Cr 18,500,000
↓ -6,500,000 Goi Strips - Mat 190923
Sovereign Bonds | -0% ₹27 Cr 2,775,000 Goi Strips - Mat 190324
Sovereign Bonds | -0% ₹26 Cr 2,775,000 Goi Strips - Mat 120923
Sovereign Bonds | -0% ₹24 Cr 2,502,400
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