+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 (%) 2024 (%) 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 BOI AXA Liquid Fund Growth ₹3,245.48
↑ 0.55 ₹1,825 1,000 1.6 3.4 6.5 6.9 6.6 6.26% 1M 13D 1M 13D Indiabulls Liquid Fund Growth ₹2,723.42
↑ 0.44 ₹381 500 1.6 3.4 6.4 6.9 6.6 6.4% 1M 18D 1M 18D Nippon India Liquid Fund Growth ₹6,872.26
↑ 1.11 ₹43,125 100 1.6 3.4 6.4 6.8 6.5 6.44% 1M 10D 1M 13D 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 LIC MF Liquid Fund Growth ₹5,089.38
↑ 0.85 ₹17,484 1,000 1.6 3.4 6.4 6.8 6.4 6.36% 1M 10D 1M 10D Tata Liquid Fund Growth ₹4,434.53
↑ 0.72 ₹32,370 500 1.6 3.4 6.4 6.8 6.5 6.41% 1M 13D 1M 13D ICICI Prudential Liquid Fund Growth ₹416.714
↑ 0.07 ₹62,798 99 1.6 3.4 6.4 6.8 6.5 6.18% 1M 6D 1M 9D Baroda Pioneer Liquid Fund Growth ₹3,235.77
↑ 0.52 ₹13,194 500 1.6 3.4 6.4 6.8 6.4 6.31% 1M 8D 1M 9D 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 BOI AXA Liquid Fund Indiabulls Liquid Fund Nippon India Liquid Fund IDBI Ultra Short Term Fund LIC MF Liquid Fund Tata Liquid Fund ICICI Prudential Liquid Fund Baroda Pioneer Liquid Fund Point 1 Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹1,825 Cr). Bottom quartile AUM (₹381 Cr). Top quartile AUM (₹43,125 Cr). Bottom quartile AUM (₹146 Cr). Upper mid AUM (₹17,484 Cr). Upper mid AUM (₹32,370 Cr). Highest AUM (₹62,798 Cr). Lower mid AUM (₹13,194 Cr). Point 2 Established history (16+ yrs). Established history (18+ yrs). Established history (14+ yrs). Established history (22+ yrs). Established history (16+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (17+ yrs). Point 3 Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Top rated. Rating: 4★ (top quartile). Rating: 1★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.55% (top quartile). 1Y return: 6.47% (top quartile). 1Y return: 6.41% (upper mid). 1Y return: 6.40% (upper mid). 1Y return: 6.39% (lower mid). 1Y return: 6.39% (lower mid). 1Y return: 6.38% (bottom quartile). 1Y return: 6.36% (bottom quartile). 1Y return: 6.35% (bottom quartile). Point 6 1M return: 0.53% (top quartile). 1M return: 0.51% (upper mid). 1M return: 0.50% (upper mid). 1M return: 0.50% (lower mid). 1M return: 0.52% (top quartile). 1M return: 0.48% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (bottom quartile). 1M return: 0.49% (lower mid). Point 7 Sharpe: 0.20 (bottom quartile). Sharpe: 3.25 (top quartile). Sharpe: 2.97 (upper mid). Sharpe: 2.71 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 2.74 (lower mid). Sharpe: 2.98 (top quartile). Sharpe: 2.76 (lower mid). Sharpe: 2.88 (upper mid). Point 8 Information ratio: -5.96 (bottom quartile). Information ratio: 2.38 (top quartile). Information ratio: 1.36 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 1.11 (upper mid). Information ratio: 0.65 (upper mid). Point 9 Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 6.26% (bottom quartile). Yield to maturity (debt): 6.40% (lower mid). Yield to maturity (debt): 6.44% (upper mid). Yield to maturity (debt): 6.83% (top quartile). Yield to maturity (debt): 6.36% (lower mid). Yield to maturity (debt): 6.41% (upper mid). Yield to maturity (debt): 6.18% (bottom quartile). Yield to maturity (debt): 6.31% (bottom quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.12 yrs (lower mid). Modified duration: 0.13 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.19 yrs (bottom quartile). Modified duration: 0.11 yrs (upper mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.11 yrs (upper mid). IDBI Liquid Fund
BOI AXA Liquid Fund
Indiabulls Liquid Fund
Nippon India Liquid Fund
IDBI Ultra Short Term Fund
LIC MF Liquid Fund
Tata Liquid Fund
ICICI Prudential Liquid Fund
Baroda Pioneer 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 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 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 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 An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. Research Highlights for LIC MF Liquid Fund Below is the key information for LIC MF Liquid 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 (Erstwhile ICICI Prudential Liquid Plan) To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities. Research Highlights for ICICI Prudential Liquid Fund Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities. Research Highlights for Baroda Pioneer Liquid Fund Below is the key information for Baroda Pioneer 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 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 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. BOI AXA Liquid Fund
BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (27 Sep 26) ₹3,245.48 ↑ 0.55 (0.02 %) Net Assets (Cr) ₹1,825 on 31 Aug 26 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.13 Sharpe Ratio 3.25 Information Ratio 2.38 Alpha Ratio 0.08 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.26% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,396 31 Aug 23 ₹11,099 31 Aug 24 ₹11,921 31 Aug 25 ₹12,755 31 Aug 26 ₹13,575 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 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.5% 3 Year 6.9% 5 Year 6.3% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.4% 2017 7.4% 2016 6.7% 2015 7.6% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 5.04 Yr. Data below for BOI AXA Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 99.68% Other 0.32% Debt Sector Allocation
Sector Value Cash Equivalent 63.21% Corporate 19.01% Government 17.47% Credit Quality
Rating Value AA 1.47% AAA 98.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -6% ₹100 Cr 10,000,000 India (Republic of)
- | -6% ₹99 Cr 10,000,000
↑ 10,000,000 India (Republic of)
- | -3% ₹54 Cr 5,400,000 India (Republic of)
- | -3% ₹53 Cr 5,350,000 Bajaj Financial Securities Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Godrej Agrovet Ltd.
Commercial Paper | -3% ₹50 Cr 5,000,000 Indian Bank
Certificate of Deposit | -3% ₹50 Cr 5,000,000
↑ 5,000,000 Poonawalla Fincorp Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹50 Cr 5,000,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹50 Cr 5,000,000 3. Indiabulls Liquid Fund
Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (27 Sep 26) ₹2,723.42 ↑ 0.44 (0.02 %) Net Assets (Cr) ₹381 on 31 Aug 26 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.2 Sharpe Ratio 2.97 Information Ratio 1.36 Alpha Ratio 0.02 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.4% Effective Maturity 1 Month 18 Days Modified Duration 1 Month 18 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,359 31 Aug 23 ₹11,024 31 Aug 24 ₹11,830 31 Aug 25 ₹12,657 31 Aug 26 ₹13,463 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 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 6.9% 5 Year 6.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 6.8% 2021 4.6% 2020 3.1% 2019 3.9% 2018 6.6% 2017 7.3% 2016 6.7% 2015 7.8% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 3.23 Yr. Wilfred Gonsalves 4 May 26 0.24 Yr. Data below for Indiabulls Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 99.81% Debt 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 55.72% Corporate 31.47% Government 12.81% Credit Quality
Rating Value AAA 99.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -9% ₹40 Cr 4,000,000
↑ 1,500,000 Indian Bank
Certificate of Deposit | -7% ₹30 Cr 3,000,000
↑ 3,000,000 Canara Bank
Certificate of Deposit | -6% ₹25 Cr 2,500,000
↓ -500,000 Punjab National Bank Red
Certificate of Deposit | -6% ₹25 Cr 2,500,000 ICICI Bank Ltd.
Debentures | -6% ₹25 Cr 2,500,000 National Bank for Agriculture and Rural Development
Commercial Paper | -6% ₹25 Cr 2,500,000 Kotak Mahindra Bank Ltd.
Debentures | -6% ₹25 Cr 2,500,000 Small Industries Dev Bank Of India
Certificate of Deposit | -6% ₹25 Cr 2,500,000 Bharat Petroleum Corp Ltd.
Commercial Paper | -6% ₹24 Cr 2,450,000
↑ 2,450,000 Union Bank Of India
Certificate of Deposit | -6% ₹24 Cr 2,400,000 4. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (27 Sep 26) ₹6,872.26 ↑ 1.11 (0.02 %) Net Assets (Cr) ₹43,125 on 31 Aug 26 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.71 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.44% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,381 31 Aug 23 ₹11,073 31 Aug 24 ₹11,882 31 Aug 25 ₹12,703 31 Aug 26 ₹13,511 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 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 8.19 Yr. Vikash Agarwal 14 Sep 24 1.88 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 99.25% Debt 0.52% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 75.72% Government 12.71% Corporate 11.35% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -5% ₹2,270 Cr Triparty Repo
CBLO/Reverse Repo | -4% ₹1,906 Cr India (Republic of)
- | -3% ₹1,195 Cr 120,000,000 India (Republic of)
- | -3% ₹1,159 Cr 117,000,000
↑ 7,000,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹1,143 Cr 23,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹994 Cr 20,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹838 Cr 17,000
↑ 17,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹747 Cr 15,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹747 Cr 15,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹744 Cr 15,000
↑ 15,000 5. 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 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 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 6. LIC MF Liquid Fund
LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (27 Sep 26) ₹5,089.38 ↑ 0.85 (0.02 %) Net Assets (Cr) ₹17,484 on 31 Aug 26 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 2.74 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.36% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,378 31 Aug 23 ₹11,067 31 Aug 24 ₹11,881 31 Aug 25 ₹12,696 31 Aug 26 ₹13,504 Returns for LIC MF 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 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.4% 2023 7.4% 2022 7% 2021 4.7% 2020 3.3% 2019 4.3% 2018 6.5% 2017 7.3% 2016 6.6% 2015 7.6% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 10.91 Yr. Aakash Dhulia 1 Sep 25 1 Yr. Data below for LIC MF Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 97.22% Debt 2.58% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 73.92% Government 14.14% Corporate 11.73% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -6% ₹989 Cr 100,000,000 Reverse Repo
CBLO/Reverse Repo | -5% ₹824 Cr Treps
CBLO/Reverse Repo | -4% ₹693 Cr Reliance Retail Ventures Limited
Commercial Paper | -3% ₹499 Cr 10,000 Motilal Oswal Financial Services Ltd
Commercial Paper | -3% ₹497 Cr 10,000 NTPC Ltd.
Commercial Paper | -3% ₹447 Cr 9,000 Small Industries Development Bank of India
Debentures | -2% ₹395 Cr 8,000
↑ 8,000 India (Republic of)
- | -2% ₹395 Cr 40,000,000
↑ 40,000,000 Titan Co Ltd.
Commercial Paper | -2% ₹373 Cr 7,500 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹349 Cr 7,000 7. Tata Liquid Fund
Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (27 Sep 26) ₹4,434.53 ↑ 0.72 (0.02 %) Net Assets (Cr) ₹32,370 on 31 Aug 26 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 2.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.41% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,381 31 Aug 23 ₹11,071 31 Aug 24 ₹11,879 31 Aug 25 ₹12,703 31 Aug 26 ₹13,511 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 0.5% 3 Month 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.6% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for Tata Liquid Fund
Name Since Tenure Harsh Dave 1 Aug 24 2 Yr. Dhawal Joshi 1 Jun 26 0.17 Yr. Data below for Tata Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 63.6% Government 20.88% Corporate 15.29% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹1,202 Cr 121,000,000
↓ -27,500,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹1,069 Cr 21,500 India (Republic of)
- | -3% ₹989 Cr 100,000,000
↑ 59,500,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹986 Cr 20,000
↑ 20,000 Central Bank Of India
Certificate of Deposit | -3% ₹961 Cr 19,500
↑ 19,500 Export-Import Bank Of India
Commercial Paper | -3% ₹946 Cr 19,000 LIC Housing Finance Ltd.
Commercial Paper | -3% ₹945 Cr 19,000 India (Republic of)
- | -2% ₹754 Cr 75,500,000
↓ -14,500,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹697 Cr 14,000 Hindustan Petroleum Corp Ltd.
Domestic Bonds | -2% ₹695 Cr 14,000 8. ICICI Prudential Liquid Fund
ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (27 Sep 26) ₹416.714 ↑ 0.07 (0.02 %) Net Assets (Cr) ₹62,798 on 31 Aug 26 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 2.76 Information Ratio 1.11 Alpha Ratio -0.04 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 6.18% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,381 31 Aug 23 ₹11,073 31 Aug 24 ₹11,885 31 Aug 25 ₹12,706 31 Aug 26 ₹13,511 Returns for ICICI Prudential 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 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.4% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.6% 2017 7.4% 2016 6.6% 2015 7.7% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 2.67 Yr. Darshil Dedhia 12 Jun 23 3.14 Yr. Data below for ICICI Prudential Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 97.9% Debt 1.87% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 72.15% Government 15.84% Corporate 11.78% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹2,546 Cr 255,000,000
↓ -10,000,000 Small Industries Development Bank of India
Commercial Paper | -3% ₹1,990 Cr 40,000 Net Current Assets
Net Current Assets | -3% -₹1,774 Cr Reliance Retail Ventures Limited
Commercial Paper | -2% ₹1,492 Cr 30,000 India (Republic of)
- | -2% ₹1,445 Cr 145,000,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹1,394 Cr 28,000 India (Republic of)
- | -2% ₹1,327 Cr 134,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹1,247 Cr 25,000
↓ -5,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹1,245 Cr 25,000 Small Industries Development Bank of India
Commercial Paper | -2% ₹1,234 Cr 25,000 9. Baroda Pioneer Liquid Fund
Baroda Pioneer Liquid Fund
Growth Launch Date 5 Feb 09 NAV (27 Sep 26) ₹3,235.77 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹13,194 on 31 Aug 26 Category Debt - Liquid Fund AMC Baroda Pioneer Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.28 Sharpe Ratio 2.88 Information Ratio 0.65 Alpha Ratio -0.02 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.31% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 8 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,393 31 Aug 23 ₹11,094 31 Aug 24 ₹11,901 31 Aug 25 ₹12,715 31 Aug 26 ₹13,519 Returns for Baroda Pioneer 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 1.6% 6 Month 3.4% 1 Year 6.4% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.4% 2023 7.3% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.6% 2017 7.5% 2016 6.7% 2015 7.8% Fund Manager information for Baroda Pioneer Liquid Fund
Name Since Tenure Gurvinder Wasan 21 Oct 24 1.78 Yr. Vikram Pamnani 14 Mar 22 4.39 Yr. Data below for Baroda Pioneer Liquid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 95.98% Debt 3.81% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 80.31% Government 12.89% Corporate 6.59% Credit Quality
Rating Value AA 1.24% AAA 98.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹500 Cr 50,000,000 India (Republic of)
- | -4% ₹500 Cr 50,000,000 Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -3% ₹418 Cr Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -2% ₹310 Cr Tbill
Sovereign Bonds | -2% ₹300 Cr 30,000,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹299 Cr 6,000 Axis Bank Ltd.
Debentures | -2% ₹298 Cr 6,000 Indian Bank
Domestic Bonds | -2% ₹298 Cr 6,000 Hindustan Petroleum Corp Ltd.
Domestic Bonds | -2% ₹298 Cr 6,000 Union Bank of India
Debentures | -2% ₹296 Cr 6,000
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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