عام الفاظ میں،بہترین مائع فنڈز (منی مارکیٹ فنڈزقرض ہیں۔باہمی چندہ یا بلکہ پیسے؟مارکیٹ سرمایہ کاری کی مدت میں صرف فرق کے ساتھ میوچل فنڈز۔ منی مارکیٹ فنڈز بہت کم منی مارکیٹ کے آلات میں سرمایہ کاری کرتے ہیں جیسےجمع کروانے کی رسیدٹریژری بلز، کمرشل پیپرز وغیرہ۔
ان فنڈز کی سرمایہ کاری کا دورانیہ بہت مختصر ہے، عام طور پر چند دنوں سے لے کر چند ہفتوں تک (یہ ایک دن بھی ہوسکتا ہے!) کی اوسط بقایا پختگیمائع فنڈز 91 دن سے کم ہے کیونکہ وہ ان سیکیورٹیز میں سرمایہ کاری کرتے ہیں جن کی انفرادی طور پر میچورٹی 91 دن تک ہوتی ہے۔
قلیل مدتی ہوناقرض فنڈیہ فنڈز ان سرمایہ کاروں کے لیے انتہائی موزوں ہیں جو مختصر مدت کے لیے کم خطرے والی سرمایہ کاری کے خواہاں ہیں۔ بہترین مائع فنڈز کی کم میچورٹی مدت فنڈ مینیجرز کو پورا کرنے میں مدد کرتی ہے۔رہائی سرمایہ کاروں کی مانگ آسانی سے۔ مارکیٹ میں، مختلف منی مارکیٹ فنڈ سرمایہ کاری دستیاب ہے۔
کرنسی مارکیٹ میں سیکیورٹیز نسبتاً کم خطرہ ہیں۔
منی مارکیٹ فنڈز کو میوچل فنڈ کی تمام سرمایہ کاری میں محفوظ اور محفوظ سمجھا جاتا ہے۔
منی مارکیٹ فنڈز پر غور کرتے ہوئے، منی مارکیٹ اکاؤنٹ میں سرمایہ کاری کرنا آسان ہے۔سرمایہ کاری میوچل فنڈز کے ذریعے سرمایہ کار اپنی سہولت کے مطابق ایک اکاؤنٹ کھول سکتے ہیں، جمع کر سکتے ہیں اور نکال سکتے ہیں۔
منی مارکیٹ فنڈز کو تمام میوچل فنڈ سرمایہ کاری کی سب سے کم اتار چڑھاؤ والی اقسام میں سے ایک سمجھا جاتا ہے۔
منی مارکیٹ فنڈز کی کارکردگی ریزرو کی طرف سے مقرر کردہ شرح سود سے قریبی تعلق رکھتی ہے۔بینک بھارت کےسنٹرل بینک آف انڈیا. لہذا، جب RBI مارکیٹ میں شرحیں بڑھاتا ہے، پیداوار میں اضافہ ہوتا ہے، اور منی مارکیٹ فنڈز اچھا منافع دینے کے قابل ہوتے ہیں۔
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منی مارکیٹ فنڈ اس مقصد کے ساتھ منی مارکیٹ کے آلات میں سرمایہ کاری کرتا ہے۔پیشکش اچھا منافع (سودآمدنی) اور رکھنانہیں ہیں اتار چڑھاو کم سے کم
منی مارکیٹ ایک ایسا تبادلہ ہے جہاں نقد اور نقد کے مساوی آلات کی تجارت ہوتی ہے۔ کرنسی مارکیٹوں میں جن آلات کی تجارت کی جاتی ہے ان کی میچورٹی ہوتی ہے جو راتوں رات سے ایک سال تک مختلف ہو سکتی ہے۔ ہندوستان میں منی مارکیٹ کے کچھ اہم آلات یہ ہیں:
حکومت ہند 365 دنوں تک فنڈز اکٹھا کرنے کے لیے ٹریژری بل جاری کرتی ہے۔ چونکہ یہ حکومت کی طرف سے جاری کیے جاتے ہیں، ان کو بہت محفوظ سمجھا جاتا ہے۔ تاہم، کم خطرات بھی کم منافع میں ترجمہ کرتے ہیں جو کہ ٹریژری بلز کے معاملے میں بھی ہے۔ ٹی بلز پر منافع دیگر منی مارکیٹ کے آلات سے کم ہے۔
سی ڈی ایک ٹرم ڈپازٹ ہے جو طے شدہ کمرشل بینکوں کے ذریعہ پیش کیا جاتا ہے جس کے پاس قبل از وقت چھٹکارے کا اختیار نہیں ہوتا ہے۔ سی ڈی اور کے درمیان بنیادی فرقایف ڈی یہ ہے کہ سی ڈیز آزادانہ طور پر بات چیت کے قابل ہیں۔
قلیل مدتی قرضوں کی سہولت کے لیے بینک اور RBI کے درمیان دوبارہ خریداری کا معاہدہ کیا جاتا ہے۔ یہ دو بینکوں کے درمیان بھی بنایا جا سکتا ہے۔
اعلی کریڈٹ ریٹنگ والی کمپنیاں اور مالیاتی ادارے ایک جاری کر سکتے ہیں۔کاروباری صفحہ جو کہ ایک قلیل مدتی، غیر محفوظ وعدہ نوٹ ہے۔ یہ ایسے اداروں کو اپنے قلیل مدتی قرض لینے کے ذرائع کو متنوع بنانے کی اجازت دیتا ہے۔ CPs عام طور پر رعایتی شرح پر جاری کیے جاتے ہیں جب کہ چھٹکارا جاری ہوتا ہے۔Face Value. دیسرمایہ کار فرق کماتا ہے۔
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. Below is the key information for ICICI Prudential Money Market Fund 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 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 (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 (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 Below is the key information for Kotak Money Market Scheme 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. Research Highlights for Tata Money Market Fund Below is the key information for Tata Money Market Fund Returns up to 1 year are on (Erstwhile HDFC Cash Management Fund - Savings Plan) To generate optimal returns while maintaining safety and
high liquidity. Research Highlights for HDFC Money Market Fund Below is the key information for HDFC Money Market Fund Returns up to 1 year are on (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 Below is the key information for Bandhan Money Manager Fund Returns up to 1 year are on 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 ₹394.917
↓ 0.00 ₹35,025 0.6 1.4 3 7.2 7.4 6.91% 5M 12D 5M 25D Franklin India Savings Fund Growth ₹52.2011
↑ 0.00 ₹3,898 0.6 1.5 2.9 7.2 7.4 6.89% 5M 8D 5M 19D UTI Money Market Fund Growth ₹3,209
↑ 0.04 ₹20,497 0.6 1.4 3 7.2 7.5 6.96% 4M 26D 4M 26D Nippon India Money Market Fund Growth ₹4,317.1
↓ -0.05 ₹21,699 0.6 1.4 2.9 7.2 7.4 6.48% 4M 23D 5M 3D Kotak Money Market Scheme Growth ₹4,671.23
↑ 0.07 ₹32,870 0.6 1.4 2.9 7.2 7.4 6.99% 5M 8D 5M 8D Tata Money Market Fund Growth ₹4,910.85
↑ 0.16 ₹37,939 0.6 1.4 2.9 7.1 7.4 6.35% 5D 5D HDFC Money Market Fund Growth ₹5,944.96
↑ 0.02 ₹33,210 0.6 1.4 2.9 7.1 7.4 6.87% 4M 15D 4M 26D Bandhan Money Manager Fund Growth ₹41.9202 ₹15,694 0.6 1.4 2.9 7.1 7.3 6.7% 3M 28D 3M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 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 Top quartile AUM (₹35,025 Cr). Bottom quartile AUM (₹3,898 Cr). Lower mid AUM (₹20,497 Cr). Lower mid AUM (₹21,699 Cr). Upper mid AUM (₹32,870 Cr). Highest AUM (₹37,939 Cr). Upper mid AUM (₹33,210 Cr). Bottom quartile AUM (₹15,694 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: 7.24% (top quartile). 1Y return: 7.23% (top quartile). 1Y return: 7.23% (upper mid). 1Y return: 7.18% (upper mid). 1Y return: 7.15% (lower mid). 1Y return: 7.14% (lower mid). 1Y return: 7.14% (bottom quartile). 1Y return: 7.11% (bottom quartile). Point 6 1M return: 0.61% (top quartile). 1M return: 0.59% (bottom quartile). 1M return: 0.60% (lower mid). 1M return: 0.61% (upper mid). 1M return: 0.61% (upper mid). 1M return: 0.60% (lower mid). 1M return: 0.61% (top quartile). 1M return: 0.58% (bottom quartile). Point 7 Sharpe: 2.31 (top quartile). Sharpe: 2.24 (upper mid). Sharpe: 2.26 (upper mid). Sharpe: 2.08 (bottom quartile). Sharpe: 2.13 (lower mid). Sharpe: 2.11 (bottom quartile). Sharpe: 2.12 (lower mid). Sharpe: 2.37 (top quartile). 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): 6.91% (upper mid). Yield to maturity (debt): 6.89% (upper mid). Yield to maturity (debt): 6.96% (top quartile). Yield to maturity (debt): 6.48% (bottom quartile). Yield to maturity (debt): 6.99% (top quartile). Yield to maturity (debt): 6.35% (bottom quartile). Yield to maturity (debt): 6.87% (lower mid). Yield to maturity (debt): 6.70% (lower mid). Point 10 Modified duration: 0.45 yrs (bottom quartile). Modified duration: 0.44 yrs (lower mid). Modified duration: 0.41 yrs (lower mid). Modified duration: 0.40 yrs (upper mid). Modified duration: 0.44 yrs (bottom quartile). Modified duration: 0.01 yrs (top quartile). Modified duration: 0.38 yrs (upper mid). Modified duration: 0.33 yrs (top quartile). 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
1. ICICI Prudential Money Market Fund
ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (18 Feb 26) ₹394.917 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹35,025 on 31 Jan 26 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 2.31 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.91% Effective Maturity 5 Months 25 Days Modified Duration 5 Months 12 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 Returns for ICICI Prudential Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 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 6.2% 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 Jan 26
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
Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (18 Feb 26) ₹52.2011 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹3,898 on 31 Jan 26 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.3 Sharpe Ratio 2.24 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 5 Months 19 Days Modified Duration 5 Months 8 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 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.5% 6 Month 2.9% 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 Jan 26
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
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (18 Feb 26) ₹3,209 ↑ 0.04 (0.00 %) Net Assets (Cr) ₹20,497 on 15 Feb 26 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.26 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.96% Effective Maturity 4 Months 26 Days Modified Duration 4 Months 26 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 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 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 15 Feb 26
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
Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (18 Feb 26) ₹4,317.1 ↓ -0.05 (0.00 %) Net Assets (Cr) ₹21,699 on 31 Jan 26 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 2.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.48% Effective Maturity 5 Months 3 Days Modified Duration 4 Months 23 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 Returns for Nippon India Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.9% 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 Jan 26
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
Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (18 Feb 26) ₹4,671.23 ↑ 0.07 (0.00 %) Net Assets (Cr) ₹32,870 on 31 Jan 26 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 2.13 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 5 Months 8 Days Modified Duration 5 Months 8 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 Returns for Kotak Money Market Scheme
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.9% 1 Year 7.2% 3 Year 7.4% 5 Year 6.2% 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 Jan 26
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
Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (18 Feb 26) ₹4,910.85 ↑ 0.16 (0.00 %) Net Assets (Cr) ₹37,939 on 15 Feb 26 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.44 Sharpe Ratio 2.11 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 Returns for Tata Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.9% 1 Year 7.1% 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 15 Feb 26
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
HDFC Money Market Fund
Growth Launch Date 18 Nov 99 NAV (18 Feb 26) ₹5,944.96 ↑ 0.02 (0.00 %) Net Assets (Cr) ₹33,210 on 31 Jan 26 Category Debt - Money Market AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.4 Sharpe Ratio 2.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 4 Months 26 Days Modified Duration 4 Months 15 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 Returns for HDFC Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.9% 1 Year 7.1% 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 Jan 26
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
Bandhan Money Manager Fund
Growth Launch Date 18 Feb 03 NAV (18 Feb 26) ₹41.9202 Net Assets (Cr) ₹15,694 on 31 Jan 26 Category Debt - Money Market AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.58 Sharpe Ratio 2.37 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.7% Effective Maturity 3 Months 28 Days Modified Duration 3 Months 28 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 Returns for Bandhan Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Feb 26 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 2.9% 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 Jan 26
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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Research Highlights for ICICI Prudential Money Market Fund