+91-22-489139091 سالہ سرمایہ کاری 2022 کے لیے 9 بہترین SIP پلان
بہترین SIP پلانز? ان کا انتخاب کیسے کریں؟ یہ کچھ عام سوالات ہیں جو سوچتے وقت سرمایہ کاروں کے ذہن میں آتے ہیں۔میوچل فنڈز میں سرمایہ کاری ایک کے ذریعےگھونٹ یا منظمسرمایہ کاری کا منصوبہ.
SIP سرمایہ کاری سب سے زیادہ نظم و ضبط میں سے ایک ہےسرمایہ کاری میں سرمایہ کاری کرتے وقت اختیاراتباہمی چندہ. مزید یہ کہ، SIP میوچل فنڈ میں سرمایہ کاری کی کم از کم رقم INR 500 سے کم ہے۔ اس سے سرمایہ کاری ہوتی ہے۔ٹاپ ایس آئی پی بہت آسان منصوبے.
SIP میں کیوں سرمایہ کاری کریں؟
Mutual Funds میں SIP سرمایہ کاری بچت کی عادت ڈالنے کا سب سے آسان طریقہ ہے۔ اکثر کمانے والے لوگوں کی نوجوان نسل زیادہ بچت نہیں کر پاتی۔ سیسٹیمیٹک انویسٹمنٹ پلان کے لیے کسی کو بہت زیادہ سرمایہ کاری کی ضرورت نہیں ہے کیونکہ ابتدائی رقم 500 روپے سے کم ہے، اور کچھ فنڈز ماہانہ INR 100 کے لیے SIP بھی پیش کرتے ہیں۔ کم عمری سے ہی، کوئی شخص اپنی بچت کو سرمایہ کاری کے طور پر بنانے کی عادت ڈال سکتا ہے۔ SIP، اس طرح ہر مہینے کے دوران بچانے کے لیے ایک مقررہ رقم مختص کرتا ہے۔ اس لیے منظم سرمایہ کاری کے منصوبے سمارٹ سرمایہ کاری کے سب سے اہم ٹولز میں سے ایک ہیں۔
ایس آئی پی آپ کی تیاری میں مدد کرتا ہے۔مالی اہداف پریشانی سے پاک انداز میں۔ ایس آئی پی کا ہونا انتہائی آسان ہے کیونکہ میوچل فنڈز کو کاغذی کارروائی صرف ایک بار کرنے کی ضرورت ہوتی ہے جس کے بعد ماہانہ رقوم کو اس سے ڈیبٹ کیا جاتا ہے۔بینک بغیر مداخلت کے براہ راست اکاؤنٹ۔ نتیجے کے طور پر، SIP کو دیگر سرمایہ کاری اور بچت کے اختیارات کے لیے درکار کوششوں کی ضرورت نہیں ہے۔
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مالی سال 22 - 23 میں 1 سالہ سرمایہ کاری کے لیے بہترین SIP پلان
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 500 1.7 3.4 6.6 4.5 6.66% 1M 7D 1M 10D Aditya Birla Sun Life Savings Fund Growth ₹577.748
↑ 0.00 ₹19,348 1,000 1.4 2.8 6.5 7.3 7.4 7.45% 5M 26D 7M 2D IDBI Ultra Short Term Fund Growth ₹2,424.68
↑ 0.44 ₹146 500 1.6 3.4 6.4 4.8 6.83% 2M 10D 2M 23D ICICI Prudential Ultra Short Term Fund Growth ₹29.1582
↓ 0.00 ₹13,619 1,000 1.4 2.8 6.4 7 7.1 7.73% 5M 16D 6M 29D BOI AXA Liquid Fund Growth ₹3,167.29
↑ 0.41 ₹1,611 1,000 1.6 3.1 6.3 7 6.6 7.3% 1M 20D 1M 20D Nippon India Ultra Short Duration Fund Growth ₹4,236.55
↓ -0.02 ₹9,512 100 1.5 2.8 6.2 6.8 6.8 7.27% 5M 13D 7M 28D Tata Liquid Fund Growth ₹4,329.62
↑ 0.56 ₹22,316 500 1.6 3.1 6.2 6.9 6.5 6.21% 1M 7D 1M 7D Indiabulls Liquid Fund Growth ₹2,658.63
↑ 0.42 ₹162 500 1.6 3.1 6.2 6.9 6.6 7.48% Nippon India Liquid Fund Growth ₹6,708.61
↑ 0.85 ₹25,756 100 1.6 3.1 6.2 6.9 6.5 6.66% 1M 21D 1M 25D 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 9 Funds showcased
Commentary IDBI Liquid Fund Aditya Birla Sun Life Savings Fund IDBI Ultra Short Term Fund ICICI Prudential Ultra Short Term Fund BOI AXA Liquid Fund Nippon India Ultra Short Duration Fund Tata Liquid Fund Indiabulls Liquid Fund Nippon India Liquid Fund Point 1 Bottom quartile AUM (₹503 Cr). Upper mid AUM (₹19,348 Cr). Bottom quartile AUM (₹146 Cr). Upper mid AUM (₹13,619 Cr). Lower mid AUM (₹1,611 Cr). Lower mid AUM (₹9,512 Cr). Top quartile AUM (₹22,316 Cr). Bottom quartile AUM (₹162 Cr). Highest AUM (₹25,756 Cr). Point 2 Established history (15+ yrs). Established history (23+ yrs). Established history (15+ yrs). Established history (15+ yrs). Established history (17+ yrs). Oldest track record among peers (24 yrs). Established history (21+ yrs). Established history (14+ yrs). Established history (22+ yrs). Point 3 Rating: 3★ (lower mid). Top rated. Rating: 1★ (bottom quartile). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 5★ (top quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.54% (top quartile). 1Y return: 6.39% (upper mid). 1Y return: 6.38% (upper mid). 1Y return: 6.26% (lower mid). 1Y return: 6.21% (lower mid). 1Y return: 6.19% (bottom quartile). 1Y return: 6.19% (bottom quartile). 1Y return: 6.19% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.45% (upper mid). 1M return: 0.52% (top quartile). 1M return: 0.40% (bottom quartile). 1M return: 0.44% (lower mid). 1M return: 0.42% (bottom quartile). 1M return: 0.44% (bottom quartile). 1M return: 0.45% (upper mid). 1M return: 0.44% (lower mid). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 1.95 (lower mid). Sharpe: -0.57 (bottom quartile). Sharpe: 1.95 (lower mid). Sharpe: 3.46 (top quartile). Sharpe: 1.41 (bottom quartile). Sharpe: 2.94 (top quartile). Sharpe: 2.65 (upper mid). Sharpe: 2.51 (upper mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 1.76 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: -0.15 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.66% (bottom quartile). Yield to maturity (debt): 7.45% (upper mid). Yield to maturity (debt): 6.83% (lower mid). Yield to maturity (debt): 7.73% (top quartile). Yield to maturity (debt): 7.30% (upper mid). Yield to maturity (debt): 7.27% (lower mid). Yield to maturity (debt): 6.21% (bottom quartile). Yield to maturity (debt): 7.48% (top quartile). Yield to maturity (debt): 6.66% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.19 yrs (lower mid). Modified duration: 0.46 yrs (bottom quartile). Modified duration: 0.14 yrs (upper mid). Modified duration: 0.45 yrs (bottom quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.14 yrs (lower mid). IDBI Liquid Fund
Aditya Birla Sun Life Savings Fund
IDBI Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
BOI AXA Liquid Fund
Nippon India Ultra Short Duration Fund
Tata Liquid Fund
Indiabulls Liquid Fund
Nippon India Liquid Fund
The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized. Below is the key information for IDBI Liquid Fund Returns up to 1 year are on The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Research Highlights for Aditya Birla Sun Life Savings Fund Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on The objective of the Scheme will be to provide investors with regular income for their investment by investing in debt and money market instruments with relatively lower interest rate risk, such that the Macaulay duration of the portfolio is maintained between 3 months to 6 months. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for IDBI Ultra Short Term Fund Below is the key information for IDBI Ultra Short Term Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. Research Highlights for ICICI Prudential Ultra Short Term Fund Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for BOI AXA Liquid Fund Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Cash Plan) 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 Ultra Short Duration Fund Below is the key information for Nippon India Ultra Short Duration Fund Returns up to 1 year are on (Erstwhile TATA Money Market Fund ) To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Research Highlights for Tata Liquid Fund Below is the key information for Tata Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Research Highlights for Indiabulls Liquid Fund Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury Plan) 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 Liquid Fund Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. IDBI Liquid Fund
IDBI Liquid Fund
Growth Launch Date 9 Jul 10 NAV (28 Jul 23) ₹2,454.04 ↑ 0.35 (0.01 %) Net Assets (Cr) ₹503 on 30 Jun 23 Category Debt - Liquid Fund AMC IDBI Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.2 Information Ratio -5.96 Alpha Ratio -0.21 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,351 30 Apr 23 ₹10,966 Returns for IDBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 6.6% 3 Year 4.5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Liquid Fund
Name Since Tenure Data below for IDBI Liquid Fund as on 30 Jun 23
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 Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (12 May 26) ₹577.748 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹19,348 on 31 Mar 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 1.95 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,405 30 Apr 23 ₹10,999 30 Apr 24 ₹11,825 30 Apr 25 ₹12,766 30 Apr 26 ₹13,590 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.8% 1 Year 6.5% 3 Year 7.3% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.9% 2023 7.2% 2022 4.8% 2021 3.9% 2020 7% 2019 8.5% 2018 7.6% 2017 7.2% 2016 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.87 Yr. Kaustubh Gupta 15 Jul 11 14.81 Yr. Monika Gandhi 22 Mar 21 5.11 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 24.58% Debt 75.09% Other 0.33% Debt Sector Allocation
Sector Value Corporate 70.67% Government 20.54% Cash Equivalent 8.45% Credit Quality
Rating Value AA 31.99% AAA 68.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹980 Cr 100,000,000
↑ 100,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -4% ₹743 Cr 15,800 Shriram Finance Limited
Debentures | -3% ₹609 Cr 60,000 HDFC Bank Ltd.
Debentures | -3% ₹536 Cr 11,000
↑ 11,000 Bharti Telecom Limited
Debentures | -2% ₹396 Cr 40,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹388 Cr 39,000 Muthoot Finance Limited
Debentures | -2% ₹349 Cr 35,000 Vedanta Limited
Debentures | -2% ₹328 Cr 32,500
↑ 25,000 Mankind Pharma Limited
Debentures | -2% ₹321 Cr 32,000 Avanse Financial Services Limited
Debentures | -2% ₹300 Cr 30,000 3. IDBI Ultra Short Term Fund
IDBI Ultra Short Term Fund
Growth Launch Date 3 Sep 10 NAV (28 Jul 23) ₹2,424.68 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹146 on 30 Jun 23 Category Debt - Ultrashort Bond AMC IDBI Asset Management Limited Rating ☆ Risk Moderately Low Expense Ratio 0.6 Sharpe Ratio -0.57 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.83% Effective Maturity 2 Months 23 Days Modified Duration 2 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,402 30 Apr 23 ₹10,984 Returns for IDBI Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 4.8% 5 Year 5.5% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for IDBI Ultra Short Term Fund
Name Since Tenure Data below for IDBI Ultra Short Term Fund as on 30 Jun 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. ICICI Prudential Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (12 May 26) ₹29.1582 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹13,619 on 31 Mar 26 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 1.95 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 7.73% Effective Maturity 6 Months 29 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,383 30 Apr 23 ₹10,971 30 Apr 24 ₹11,764 30 Apr 25 ₹12,647 30 Apr 26 ₹13,447 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.8% 1 Year 6.4% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.1% 2024 7.5% 2023 6.9% 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 9.46 Yr. Ritesh Lunawat 15 Jun 17 8.88 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 94.24% Debt 5.4% Other 0.36% Debt Sector Allocation
Sector Value Corporate 60.86% Cash Equivalent 58.77% Credit Quality
Rating Value AA 22.35% AAA 77.65% Top Securities Holdings / Portfolio
Name Holding Value Quantity RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -3% ₹441 Cr 450 Vedanta Limited
Debentures | -3% ₹352 Cr 35,000 6.22% Govt Stock 2028
Sovereign Bonds | -2% ₹310 Cr 30,773,600 Muthoot Finance Limited
Debentures | -2% ₹296 Cr 29,500 Piramal Finance Limited
Debentures | -2% ₹241 Cr 24,000
↓ -500 AU Small Finance Bank Ltd.
Debentures | -2% ₹237 Cr 5,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹200 Cr 20,000 Motilal Oswal Home Finance Limited
Debentures | -1% ₹200 Cr 20,000 Nuvama Wealth Finance Limited
Debentures | -1% ₹200 Cr 20,000 Small Industries Development Bank Of India
Debentures | -1% ₹200 Cr 20,000 5. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (12 May 26) ₹3,167.29 ↑ 0.41 (0.01 %) Net Assets (Cr) ₹1,611 on 31 Mar 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.46 Information Ratio 1.76 Alpha Ratio 0.1 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.3% Effective Maturity 1 Month 20 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,343 30 Apr 23 ₹10,964 30 Apr 24 ₹11,768 30 Apr 25 ₹12,633 30 Apr 26 ₹13,424 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.1% 1 Year 6.3% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 4.71 Yr. Data below for BOI AXA Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.71% Other 0.29% Debt Sector Allocation
Sector Value Cash Equivalent 51.66% Corporate 35.13% Government 12.93% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -5% ₹99 Cr 10,000,000
↑ 10,000,000 Export-Import Bank Of India
Certificate of Deposit | -4% ₹75 Cr 7,500,000 Indian Bank
Certificate of Deposit | -4% ₹75 Cr 7,500,000
↑ 7,500,000 Punjab National Bank
Certificate of Deposit | -4% ₹74 Cr 7,500,000
↑ 7,500,000 HDFC Securities Limited
Commercial Paper | -4% ₹74 Cr 7,500,000 Godrej Consumer Products Ltd.
Commercial Paper | -4% ₹74 Cr 7,500,000
↑ 7,500,000 Tbill
Sovereign Bonds | -4% ₹74 Cr 7,500,000 India (Republic of)
- | -4% ₹74 Cr 7,500,000
↑ 7,500,000 Union Bank Of India
Certificate of Deposit | -4% ₹70 Cr 7,100,000 Union Bank Of India
Certificate of Deposit | -3% ₹62 Cr 6,250,000
↑ 1,250,000 6. Nippon India Ultra Short Duration Fund
Nippon India Ultra Short Duration Fund
Growth Launch Date 7 Dec 01 NAV (12 May 26) ₹4,236.55 ↓ -0.02 (0.00 %) Net Assets (Cr) ₹9,512 on 31 Mar 26 Category Debt - Ultrashort Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk Low Expense Ratio 1.12 Sharpe Ratio 1.41 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.27% Effective Maturity 7 Months 28 Days Modified Duration 5 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,759 30 Apr 23 ₹11,351 30 Apr 24 ₹12,139 30 Apr 25 ₹13,031 30 Apr 26 ₹13,832 Returns for Nippon India Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 2.8% 1 Year 6.2% 3 Year 6.8% 5 Year 6.7% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.8% 2024 7.2% 2023 6.7% 2022 4.6% 2021 7.8% 2020 4.9% 2019 0.9% 2018 7.3% 2017 5.8% 2016 6.8% Fund Manager information for Nippon India Ultra Short Duration Fund
Name Since Tenure Vivek Sharma 1 Oct 13 12.59 Yr. Kinjal Desai 25 May 18 7.94 Yr. Akshay Sharma 1 Dec 22 3.42 Yr. Amber Singhania 11 Mar 26 0.14 Yr. Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 48.37% Debt 51.35% Other 0.29% Debt Sector Allocation
Sector Value Corporate 65.74% Cash Equivalent 24.54% Government 9.43% Credit Quality
Rating Value AA 32.95% AAA 67.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -4% ₹392 Cr 40,000,000
↑ 40,000,000 16/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹250 Cr 25,000,000 Vedanta Limited
Debentures | -2% ₹241 Cr 24,000 Indigrid Infrastructure Trust
Debentures | -2% ₹240 Cr 2,400
↑ 1,250 TATA Communications Limited
Debentures | -2% ₹225 Cr 22,500 30/04/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹215 Cr 21,500,000 Aadhar Housing Finance Limited
Debentures | -2% ₹201 Cr 20,000 Embassy Office Parks Reit
Debentures | -2% ₹200 Cr 2,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹195 Cr 1,950 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹188 Cr 4,000
↑ 4,000 7. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (12 May 26) ₹4,329.62 ↑ 0.56 (0.01 %) Net Assets (Cr) ₹22,316 on 31 Mar 26 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 2.94 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.21% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,339 30 Apr 23 ₹10,943 30 Apr 24 ₹11,733 30 Apr 25 ₹12,586 30 Apr 26 ₹13,367 Returns for Tata Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.1% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Tata Liquid Fund
Name Since Tenure Amit Somani 16 Oct 13 12.55 Yr. Harsh Dave 1 Aug 24 1.75 Yr. Data below for Tata Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 79.21% Corporate 15.26% Government 5.33% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd.
Commercial Paper | -4% ₹1,483 Cr 30,000 D) Repo
CBLO/Reverse Repo | -4% ₹1,353 Cr Reliance Retail Ventures Limited
Commercial Paper | -4% ₹1,238 Cr 25,000
↑ 25,000 India (Republic of)
- | -3% ₹1,177 Cr 118,500,000 Tbill
Sovereign Bonds | -3% ₹1,140 Cr 115,000,000
↑ 115,000,000 Bajaj Finance Ltd.
Commercial Paper | -3% ₹992 Cr 20,000 Union Bank of India
Domestic Bonds | -3% ₹990 Cr 20,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹986 Cr 20,000
↑ 20,000 Bajaj Finance Ltd.
Commercial Paper | -3% ₹986 Cr 20,000
↑ 20,000 Tbill
Sovereign Bonds | -2% ₹745 Cr 75,000,000
↑ 75,000,000 8. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (12 May 26) ₹2,658.63 ↑ 0.42 (0.02 %) Net Assets (Cr) ₹162 on 31 Mar 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 2.65 Information Ratio -0.15 Alpha Ratio -0.03 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.48% Effective Maturity Modified Duration Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,311 30 Apr 23 ₹10,892 30 Apr 24 ₹11,673 30 Apr 25 ₹12,528 30 Apr 26 ₹13,304 Returns for Indiabulls Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.1% 1 Year 6.2% 3 Year 6.9% 5 Year 5.9% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 2.98 Yr. Wilfred Gonsalves 4 May 26 0 Yr. Data below for Indiabulls Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.76% Debt 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 58.3% Corporate 38.66% Government 3.04% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivable/Payable
Net Current Assets | -9% ₹26 Cr Canara Bank
Certificate of Deposit | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Reliance Retail Ventures Limited
Commercial Paper | -8% ₹25 Cr 2,500,000
↑ 2,500,000 Axis Bank Limited
Certificate of Deposit | -7% ₹21 Cr 2,150,000
↑ 2,150,000 Punjab National Bank
Certificate of Deposit | -7% ₹20 Cr 2,000,000
↑ 2,000,000 Reverse Repo 16-Apr-26
CBLO/Reverse Repo | -6% ₹19 Cr Tbill
Sovereign Bonds | -5% ₹15 Cr 1,500,000
↑ 1,500,000 ICICI Securities Limited
Commercial Paper | -5% ₹15 Cr 1,500,000 Union Bank Of India
Certificate of Deposit | -5% ₹15 Cr 1,500,000 National Bank for Agriculture and Rural Development
Commercial Paper | -5% ₹15 Cr 1,500,000 9. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (12 May 26) ₹6,708.61 ↑ 0.85 (0.01 %) Net Assets (Cr) ₹25,756 on 31 Mar 26 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.51 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 25 Days Modified Duration 1 Month 21 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,337 30 Apr 23 ₹10,945 30 Apr 24 ₹11,735 30 Apr 25 ₹12,586 30 Apr 26 ₹13,365 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jul 23 Duration Returns 1 Month 0.4% 3 Month 1.6% 6 Month 3.1% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 7.94 Yr. Vikash Agarwal 14 Sep 24 1.63 Yr. Amber Singhania 11 Mar 26 0.14 Yr. Data below for Nippon India Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 77.9% Corporate 16.06% Government 5.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -8% ₹3,328 Cr Reverse Repo
CBLO/Reverse Repo | -7% ₹2,722 Cr Tbill
Sovereign Bonds | -3% ₹1,251 Cr 125,665,500 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹747 Cr 15,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹742 Cr 15,000
↑ 15,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹741 Cr 15,000
↑ 15,000 Indusind Bank Ltd.
Debentures | -2% ₹721 Cr 14,500
↑ 3,500 Small Industries Development Bank of India
Commercial Paper | -2% ₹692 Cr 14,000 Tbill
Sovereign Bonds | -2% ₹646 Cr 65,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹644 Cr 13,000
↑ 4,000
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اکثر پوچھے گئے سوالات
1. SIPs میں مدت کی کیا اہمیت ہے؟
A: جب آپ SIPs کا انتخاب کرتے ہیں، تو سب سے پہلی چیز جس پر آپ کو غور کرنا چاہیے وہ ہے میعاد۔ مدت کی جانچ کرنا اور پھر سرمایہ کاری کرنا ایک اچھا خیال ہے کیونکہ آپ کو مدت پوری کرنے سے پہلے اپنی سرمایہ کاری بند نہیں کرنی چاہیے۔ اگر آپ ایسا کرتے ہیں، تو ہو سکتا ہے کہ آپ کو ایگزٹ لوڈ کی صورت میں جرمانہ ادا کرنا پڑے۔
2. کیا ایک سال کے SIPs اچھے ہیں؟
A: ہاں، ایک سال کے ایس آئی پیز اچھے ہیں، خاص طور پر اگر آپ فوری واپسی کے خواہاں ہیں۔ عام طور پر، ایک سال کے SIPs کی مدد سے، آپ اپنے فنڈ پورٹ فولیو کے لحاظ سے اپنی سرمایہ کاری پر 4.2% سے 6.2% تک کے ROIs کی توقع کر سکتے ہیں۔
3. مجھے ایک سال کے SIPs میں کیوں سرمایہ کاری کرنی چاہیے؟
A: اگر آپ میوچل فنڈ کی سرمایہ کاری میں نئے ہیں اور سرمایہ کاری کے پورٹ فولیو کو متنوع بنانے کی منصوبہ بندی کر رہے ہیں تو ایک سالہ SIPs مفید ہیں۔
4. کیا ایک سال کے ایس آئی پیز اچھے منافع دیتے ہیں؟
A: ایک سال کے SIPs نوجوان سرمایہ کاروں میں مقبولیت حاصل کر رہے ہیں کیونکہ یہ اچھے اور فوری منافع دیتے ہیں۔ اگر آپ میوچل فنڈز کو سمجھنا چاہتے ہیں۔مارکیٹ، پھر ایک سال کے SIPs ایک اچھا خیال ہے۔
5. کیا تمام ایس آئی پیز اچھے منافع دیتے ہیں؟
A: SIPs آپ کے سرمایہ کاری کے پورٹ فولیو کو متنوع بنانے کے بہترین طریقوں میں سے ایک ہیں اور اچھے منافع پیدا کرنے کے لیے جانے جاتے ہیں۔ یہ آپ کو ان فنڈز کا انتخاب کرنے کی اجازت دیتا ہے جو آپ سرمایہ کاری کرنا چاہتے ہیں اور رقم بھی۔ آپ کو وقفے وقفے سے تھوڑی سی سرمایہ کاری کرنے کا موقع ملتا ہے۔
6. کیا تمام SIPs میں بڑے کیپ اسٹاک شامل ہیں؟
A: کے مطابقSEBI مینڈیٹ، SIP سرمایہ کاروں کو سرمایہ کاروں اور کمپنیوں کی حفاظت کے لیے 70:20:10 پروٹوکول کی پیروی کرنی ہوگی۔ اس اصول کے مطابق، ایکویٹی سرمایہ کاری کا 70% بڑے کیپ اسٹاک میں ہوگا، 20%درمیانی ٹوپی اسٹاک، اور 10٪ میںچھوٹی ٹوپی اسٹاک لہذا ایس آئی پی سرمایہ کاری کو متنوع بناتے ہیں، اور یہ سب صرف بڑے کیپ اسٹاک میں مرکوز نہیں ہوتے ہیں۔
7. کیا کوئی زیادہ سے زیادہ اور کم سے کم رقم ہے جسے SIP میں لگایا جا سکتا ہے؟
A: کم از کم رقم جو آپ SIP میں لگا سکتے ہیں وہ ہے 500 روپے۔ تاہم، SIP میں سرمایہ کاری کی کوئی اوپری حد نہیں ہے۔ آپ اپنے فنڈ مینیجر کے ساتھ اس کی منصوبہ بندی کر سکتے ہیں۔
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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Research Highlights for IDBI Liquid Fund