SWP کیلکولیٹر -- منظم واپسی پلان کیلکولیٹر

Updated on August 13, 2026 , 39212 views

SWP کیلکولیٹر ایک ایسا ٹول ہے جو افراد کو یہ حساب لگانے میں مدد کرتا ہے کہ ان کی SWP کی سرمایہ کاری مدت کے دوران کیسی ہوگی۔ SWP یا منظم واپسی کا منصوبہ یونٹس کو چھڑانے یا اس میں سرمایہ کاری کرنے کی ایک تکنیک ہے۔باہمی چندہ. SWP میں، افراد اپنی رقم میوچل فنڈ اسکیم میں لگاتے ہیں اور پھر ایک مقررہ مدت میں اپنی سرمایہ کاری واپس لے لیتے ہیں۔ SWP عام طور پر ان افراد کے لیے موزوں ہے جو فکسڈ کی تلاش میں ہیں۔آمدنی باقاعدہ مدت کے دوران۔ مضمون آپ کو نظامی واپسی کے منصوبے کے تصور، SWP کیلکولیٹر کیسے کام کرتا ہے، اور دیگر متعلقہ پیرامیٹرز کے بارے میں ایک جامع تفہیم فراہم کرتا ہے۔

میوچل فنڈ میں SWP کا کیا مطلب ہے؟

میوچل فنڈز میں نظامی واپسی کا منصوبہ یا SWP سے مراد میوچل فنڈ کی سرمایہ کاری کی اکائیوں کو چھڑانے کا ایک منظم اور منصوبہ بند عمل ہے۔ SWP کا تصور اس کے الٹ انداز میں کام کرتا ہے۔گھونٹ. SWP میں، افراد میوچل فنڈ اسکیموں میں یکمشت رقم کی سرمایہ کاری کرتے ہیں جو عام طور پر کم خطرے کی بھوک رکھتے ہیں، جیسےمائع فنڈز یا الٹرامختصر مدت کے فنڈز. اس کے بعد افراد وقفے وقفے سے سرمایہ کاری کی رقم نکالنا شروع کر دیتے ہیں۔ افراد اپنی ضروریات کی بنیاد پر اپنی واپسی کی تعدد کو حسب ضرورت بنا سکتے ہیں جیسے کہ ماہانہ، سہ ماہی، سالانہ، وغیرہ۔ اس صورت میں، میوچل فنڈز میں لگائی گئی رقم سے افراد کو بھی آمدنی ہوتی ہے۔ افراد، خاص طور پر ریٹائرڈ افراد، جو آمدنی کا باقاعدہ ذریعہ تلاش کر رہے ہیں، اس کے ذریعے نظامی واپسی کے منصوبے کا انتخاب کر سکتے ہیں۔میوچل فنڈز میں سرمایہ کاری.

SWP میوچل فنڈ کیلکولیٹر

SWP کیلکولیٹر افراد کو دی گئی مدت کے دوران میوچل فنڈ کی سرمایہ کاری میں ان کی واپسی کا اندازہ لگانے میں مدد کرتا ہے۔ SWP کیلکولیٹر میں داخل کرنے کے لیے درکار ان پٹ ڈیٹا میں شامل ہیں:

SWP/نکالنے کی رقم - اس سے مراد نکلوانے کی مقررہ رقم ہے جسے آپ باقاعدہ وقفوں پر نکالنے کا ارادہ کر رہے ہیں۔
ابتدائی سرمایہ کاری - ابتدائی سرمایہ کاری سے مراد وہ یکمشت رقم ہے جسے آپ میوچل فنڈ اسکیم میں لگانا چاہتے ہیں۔
واپسی کی تعدد - واپسی کی فریکوئنسی، اس ٹائم فریم سے مراد ہے جس پر آپ اپنی سرمایہ کاری واپس لینا چاہیں گے۔ یہ یا تو ماہانہ، ہفتہ وار یا سہ ماہی ہو سکتا ہے۔ عام طور پر حساب ماہانہ کے لیے کیا جاتا ہے۔
واپسی کی متوقع شرح - اس کا مطلب ہے وہ منافع جس کی آپ اپنی سرمایہ کاری پر توقع کر رہے ہیں۔

لہذا، آئیے ایک مثال کے ساتھ SWP کیلکولیٹر کے تصور کو تفصیل سے سمجھیں۔

نمونہ کی مثال

ابتدائی سرمایہ کاری کی رقم - INR 1.20،000
SWP رقم - INR 10,000
واپسی کی مدت - 12 ماہ
واپسی کی متوقع شرح - 7%

SWP جدول کا حساب کتاب ذیل میں دیا گیا ہے۔

مہینہ	مہینے کے شروع میں بیلنس (INR)	رہائی رقم (INR)	حاصل کردہ سود (INR)	مہینے کے آخر میں بیلنس (INR)
1	1,20,000	10,000	642	1,10,642
2	1,10,642	10,000	587	1,01,229
3	1,01,229	10,000	532	91,761
4	91,761	10,000	477	82,238
5	82,238	10,000	421	72,659
6	72,659	10,000	366	63,025
7	63,025	10,000	309	53,334
8	53,334	10,000	253	43,587
9	43,587	10,000	196	33,783
10	33,783	10,000	139	23,921
11	23,921	10,000	81	14,003
12	14,003	10,000	23	4,026

اس طرح، مندرجہ بالا جدول سے، یہ کہا جا سکتا ہے کہ SWP ٹرانزیکشن کے ذریعے میوچل فنڈ سکیم کا کمایا ہوا منافع INR 4,026 ہے۔

SWP Calculator

VALUE AT END OF TENOR:₹4,597

منظم واپسی کے منصوبے کے فوائد

SWP کے کچھ بڑے فوائد درج ذیل ہیں۔

باقاعدہ آمدنی کا بہاؤ

SWP کے بنیادی فوائد میں سے ایک یہ ہے کہ افراد باقاعدہ آمدنی کے ایک ذریعہ کے طور پر نظامی واپسی کے منصوبے کو استعمال کر سکتے ہیں۔ اس کی وجہ یہ ہے کہ نکالی گئی رقم مستقل رہتی ہے۔

نظم و ضبط سے دستبرداری کی عادت

SWP افراد میں ایک نظم و ضبط کے ساتھ رقم نکالنے کی عادت پیدا کرتا ہے کیونکہ صرف ایک مقررہ رقم نکلوائی جاتی ہے اور باقی رقم Mutual Funds میں لگائی جاتی ہے۔ یہ روکتا ہے۔سرمایہ سرمایہ کاری پر کٹاؤ. نیز، میوچل فنڈز میں سرمایہ کاری منافع پیدا کرتی ہے۔

پنشن کا متبادل

SWP ریٹائرڈ افراد کی صورت میں پنشن کے متبادل کے طور پر کام کرتا ہے۔ ریٹائر ہونے والے SWP کے ذریعے باقاعدہ آمدنی کے لیے خود کو یقینی بنا سکتے ہیں۔

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2022 کے لیے بہترین SWP میوچل فنڈز

SWP عام طور پر میوچل فنڈ اسکیموں میں کیا جاتا ہے جس میں مائع فنڈز کی طرح کم سطح کا خطرہ ہوتا ہے۔ لہذا، مائع / الٹرا شارٹ زمرہ کے تحت کچھ بہترین میوچل فنڈ اسکیمیں جن کے خالص اثاثے اس سے زیادہ ہیں1000 کروڑ مندرجہ ذیل کے طور پر درج ذیل ہیں.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Axis Liquid Fund Growth	₹3,115.88 ↑ 0.53	₹44,866	1.7	3.4	6.4	6.9	6.6	6.64%	1M 5D	1M 5D
Edelweiss Liquid Fund Growth	₹3,578.11 ↑ 0.62	₹12,259	1.7	3.4	6.4	6.9	6.5	6.51%	1M 6D	1M 6D
BOI AXA Liquid Fund Growth	₹3,223.2 ↑ 0.53	₹1,339	1.7	3.3	6.4	7	6.6	6.43%	1M 10D	1M 10D
DSP Liquidity Fund Growth	₹3,993.94 ↑ 0.69	₹19,371	1.7	3.3	6.4	6.9	6.5	6.45%	2M 5D	2M 8D
Aditya Birla Sun Life Savings Fund Growth	₹588.716 ↑ 0.14	₹17,816	1.9	3.3	6.4	7.3	7.4	7.45%	5M 26D	6M 18D
Aditya Birla Sun Life Liquid Fund Growth	₹450.701 ↑ 0.08	₹63,687	1.7	3.3	6.4	6.9	6.5	6.49%	2M 5D	2M 5D
UTI Liquid Cash Plan Growth	₹458.856 ↑ 0.07	₹27,632	1.7	3.3	6.4	6.9	6.5	6.62%	1M 5D	1M 6D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	Axis Liquid Fund	Edelweiss Liquid Fund	BOI AXA Liquid Fund	DSP Liquidity Fund	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Liquid Fund	UTI Liquid Cash Plan
Point 1	Upper mid AUM (₹44,866 Cr).	Bottom quartile AUM (₹12,259 Cr).	Bottom quartile AUM (₹1,339 Cr).	Lower mid AUM (₹19,371 Cr).	Lower mid AUM (₹17,816 Cr).	Highest AUM (₹63,687 Cr).	Upper mid AUM (₹27,632 Cr).
Point 2	Established history (16+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Established history (20+ yrs).	Oldest track record among peers (23 yrs).	Established history (22+ yrs).	Established history (22+ yrs).
Point 3	Rating: 4★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.42% (top quartile).	1Y return: 6.41% (upper mid).	1Y return: 6.40% (upper mid).	1Y return: 6.39% (lower mid).	1Y return: 6.38% (lower mid).	1Y return: 6.38% (bottom quartile).	1Y return: 6.37% (bottom quartile).
Point 6	1M return: 0.55% (lower mid).	1M return: 0.55% (lower mid).	1M return: 0.55% (upper mid).	1M return: 0.55% (upper mid).	1M return: 0.69% (top quartile).	1M return: 0.55% (bottom quartile).	1M return: 0.55% (bottom quartile).
Point 7	Sharpe: 2.39 (upper mid).	Sharpe: 2.34 (lower mid).	Sharpe: 2.64 (top quartile).	Sharpe: 2.35 (lower mid).	Sharpe: 0.91 (bottom quartile).	Sharpe: 2.22 (bottom quartile).	Sharpe: 2.38 (upper mid).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 2.08 (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).
Point 9	Yield to maturity (debt): 6.64% (upper mid).	Yield to maturity (debt): 6.51% (lower mid).	Yield to maturity (debt): 6.43% (bottom quartile).	Yield to maturity (debt): 6.45% (bottom quartile).	Yield to maturity (debt): 7.45% (top quartile).	Yield to maturity (debt): 6.49% (lower mid).	Yield to maturity (debt): 6.62% (upper mid).
Point 10	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.18 yrs (lower mid).	Modified duration: 0.49 yrs (bottom quartile).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.10 yrs (upper mid).

Axis Liquid Fund

Upper mid AUM (₹44,866 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.42% (top quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (upper mid).
Modified duration: 0.10 yrs (top quartile).

Edelweiss Liquid Fund

Bottom quartile AUM (₹12,259 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.41% (upper mid).
1M return: 0.55% (lower mid).
Sharpe: 2.34 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 yrs (upper mid).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,339 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.40% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 2.64 (top quartile).
Information ratio: 2.08 (top quartile).
Yield to maturity (debt): 6.43% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).

DSP Liquidity Fund

Lower mid AUM (₹19,371 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.39% (lower mid).
1M return: 0.55% (upper mid).
Sharpe: 2.35 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.45% (bottom quartile).
Modified duration: 0.18 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹17,816 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.38% (lower mid).
1M return: 0.69% (top quartile).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).

Aditya Birla Sun Life Liquid Fund

Highest AUM (₹63,687 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (bottom quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 2.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.18 yrs (bottom quartile).

UTI Liquid Cash Plan

Upper mid AUM (₹27,632 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.37% (bottom quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 2.38 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.62% (upper mid).
Modified duration: 0.10 yrs (upper mid).

1. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Research Highlights for Axis Liquid Fund

Upper mid AUM (₹44,866 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.42% (top quartile).
1M return: 0.55% (lower mid).
Sharpe: 2.39 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (upper mid).
Modified duration: 0.10 yrs (top quartile).
Average maturity: 0.10 yrs (top quartile).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Clearing Corporation Of India Ltd (~6.8%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (14 Aug 26)	₹3,115.88 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹44,866 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.64%
Effective Maturity	1 Month 5 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,372
31 Jul 23	₹11,063
31 Jul 24	₹11,875
31 Jul 25	₹12,718
31 Jul 26	₹13,528

Axis Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Axis Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	6.9%
5 Year	6.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.6%
2024	7.4%
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.74 Yr.
Aditya Pagaria	13 Aug 16	9.97 Yr.
Sachin Jain	3 Jul 23	3.08 Yr.

Data below for Axis Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	96.3%
Debt	3.47%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.52%
Government	11.88%
Corporate	4.38%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	7%	₹3,795 Cr
India (Republic of) - \| -	5%	₹2,973 Cr	300,000,000
Canara Bank Domestic Bonds \| -	3%	₹1,959 Cr	39,500
Export-Import Bank Of India Commercial Paper \| -	3%	₹1,760 Cr	35,500
HDFC Bank Ltd. Debentures \| -	3%	₹1,590 Cr	32,000 ↑ 20,000
India (Republic of) - \| -	3%	₹1,456 Cr	147,500,000 ↑ 147,500,000
HDFC Bank Ltd. Debentures \| -	2%	₹1,211 Cr	24,500
Indian Bank Domestic Bonds \| -	2%	₹1,189 Cr	24,000
Hindustan Petroleum Corp Ltd. Domestic Bonds \| -	2%	₹1,184 Cr	24,000 ↑ 24,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,163 Cr	23,500

2. Edelweiss Liquid Fund

The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized.

Research Highlights for Edelweiss Liquid Fund

Bottom quartile AUM (₹12,259 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.41% (upper mid).
1M return: 0.55% (lower mid).
Sharpe: 2.34 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.51% (lower mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (upper mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd. (~6.6%).

Below is the key information for Edelweiss Liquid Fund

Edelweiss Liquid Fund Growth
Launch Date	21 Sep 07
NAV (14 Aug 26)	₹3,578.11 ↑ 0.62 (0.02 %)
Net Assets (Cr)	₹12,259 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Edelweiss Asset Management Limited
Rating	☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.51%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,350
31 Jul 23	₹11,021
31 Jul 24	₹11,820
31 Jul 25	₹12,653
31 Jul 26	₹13,458

Edelweiss Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Edelweiss Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	6.4%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	6.9%
2022	4.7%
2021	3.2%
2020	4.1%
2019	6.6%
2018	7.4%
2017	6.6%
2016	6.8%

Fund Manager information for Edelweiss Liquid Fund

Name	Since	Tenure
Rahul Dedhia	11 Dec 17	8.64 Yr.
Hetul Raval	22 Sep 25	0.85 Yr.

Data below for Edelweiss Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.78%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	81.91%
Government	11.51%
Corporate	6.37%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd. Debentures \| -	7%	₹940 Cr	95,000,000
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	5%	₹771 Cr
India (Republic of) - \| -	3%	₹498 Cr	50,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹450 Cr	45,000,000 ↑ 27,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹396 Cr	40,000,000
Bank of Baroda Debentures \| -	2%	₹348 Cr	35,000,000
Axis Bank Ltd. Debentures \| -	2%	₹348 Cr	35,000,000
India (Republic of) - \| -	2%	₹347 Cr	35,000,000
Indian Bank Domestic Bonds \| -	2%	₹298 Cr	30,000,000
ICICI Bank Ltd. Debentures \| -	2%	₹298 Cr	30,000,000

3. BOI AXA Liquid Fund

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

Bottom quartile AUM (₹1,339 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.40% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 2.64 (top quartile).
Information ratio: 2.08 (top quartile).
Yield to maturity (debt): 6.43% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).
Average maturity: 0.11 yrs (lower mid).
Exit load: NIL.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.9%).

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (16 Aug 26)	₹3,223.2 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹1,339 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.13
Sharpe Ratio	2.64
Information Ratio	2.08
Alpha Ratio	0.1
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.43%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,376
31 Jul 23	₹11,067
31 Jul 24	₹11,885
31 Jul 25	₹12,730
31 Jul 26	₹13,539

BOI AXA Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.3%
1 Year	6.4%
3 Year	7%
5 Year	6.3%
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	4.96 Yr.

Data below for BOI AXA Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	99.67%
Other	0.33%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.08%
Government	17.88%
Corporate	6.71%

Credit Quality

Rating	Value
AA	1.58%
AAA	98.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹99 Cr	10,000,000
India (Republic of) - \| -	6%	₹99 Cr	10,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	4%	₹74 Cr	7,500,000
HDFC Bank Ltd. Debentures \| -	4%	₹74 Cr	7,500,000 ↑ 5,000,000
India (Republic of) - \| -	3%	₹53 Cr	5,350,000 ↑ 5,350,000
India (Republic of) - \| -	3%	₹50 Cr	5,000,000
Bajaj Financial Securities Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
Kotak Securities Ltd Commercial Paper \| -	3%	₹50 Cr	5,000,000
ICICI Bank Ltd. Debentures \| -	3%	₹50 Cr	5,000,000
Canara Bank Domestic Bonds \| -	3%	₹50 Cr	5,000,000

4. DSP Liquidity Fund

The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts

Research Highlights for DSP Liquidity Fund

Lower mid AUM (₹19,371 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.39% (lower mid).
1M return: 0.55% (upper mid).
Sharpe: 2.35 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.45% (bottom quartile).
Modified duration: 0.18 yrs (lower mid).
Average maturity: 0.19 yrs (bottom quartile).
Exit load: NIL.
Top sector: Communication Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~3.9%).

Below is the key information for DSP Liquidity Fund

DSP Liquidity Fund Growth
Launch Date	23 Nov 05
NAV (14 Aug 26)	₹3,993.94 ↑ 0.69 (0.02 %)
Net Assets (Cr)	₹19,371 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.21
Sharpe Ratio	2.35
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.45%
Effective Maturity	2 Months 8 Days
Modified Duration	2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,369
31 Jul 23	₹11,049
31 Jul 24	₹11,856
31 Jul 25	₹12,694
31 Jul 26	₹13,499

DSP Liquidity Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for DSP Liquidity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.3%
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
2025	6.5%
2024	7.4%
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.5%
2018	7.4%
2017	6.6%
2016	7.6%

Fund Manager information for DSP Liquidity Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	5.17 Yr.
Shalini Vasanta	1 Aug 24	2 Yr.
Kunal Khudania	1 Jan 26	0.58 Yr.

Data below for DSP Liquidity Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	98.68%
Debt	1.09%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	77.29%
Government	16.42%
Corporate	6.05%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹889 Cr	89,500,000 ↓ -500,000
India (Republic of) - \| -	3%	₹699 Cr	70,000,000
India (Republic of) - \| -	3%	₹647 Cr	65,000,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹544 Cr	11,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹470 Cr	9,500
Union Bank of India Debentures \| -	2%	₹446 Cr	9,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹446 Cr	9,000
India (Republic of) - \| -	2%	₹445 Cr	45,000,000 ↑ 45,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹407 Cr	8,200 ↓ -3,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹394 Cr	8,000 ↑ 8,000

5. Aditya Birla Sun Life Savings Fund

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

Lower mid AUM (₹17,816 Cr).
Oldest track record among peers (23 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.38% (lower mid).
1M return: 0.69% (top quartile).
Sharpe: 0.91 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.45% (top quartile).
Modified duration: 0.49 yrs (bottom quartile).
Average maturity: 0.55 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~67%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (14 Aug 26)	₹588.716 ↑ 0.14 (0.02 %)
Net Assets (Cr)	₹17,816 on 30 Jun 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.91
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	6 Months 18 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,383
31 Jul 23	₹11,089
31 Jul 24	₹11,914
31 Jul 25	₹12,876
31 Jul 26	₹13,681

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.3%
1 Year	6.4%
3 Year	7.3%
5 Year	6.5%
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	12.12 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Monika Gandhi	22 Mar 21	5.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	33.37%
Debt	66.63%

Debt Sector Allocation

Sector	Value
Corporate	71.59%
Government	18.6%
Cash Equivalent	9.81%

Credit Quality

Rating	Value
AA	32.96%
AAA	67.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹842 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹729 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹608 Cr	60,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹349 Cr	35,000
Indusind Bank Ltd. Debentures \| -	2%	₹345 Cr	7,100
Vedanta Limited Debentures \| -	2%	₹328 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

6. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Research Highlights for Aditya Birla Sun Life Liquid Fund

Highest AUM (₹63,687 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.38% (bottom quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 2.22 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.18 yrs (bottom quartile).
Average maturity: 0.18 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding Net Receivable / Payable (~3.0%).

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund Growth
Launch Date	30 Mar 04
NAV (14 Aug 26)	₹450.701 ↑ 0.08 (0.02 %)
Net Assets (Cr)	₹63,687 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	2.22
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	2 Months 5 Days
Modified Duration	2 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,368
31 Jul 23	₹11,058
31 Jul 24	₹11,867
31 Jul 25	₹12,702
31 Jul 26	₹13,507

Aditya Birla Sun Life Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.4%
3 Year	6.9%
5 Year	6.2%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	6.5%
2024	7.3%
2023	7.1%
2022	4.8%
2021	3.3%
2020	4.3%
2019	6.7%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Liquid Fund

Name	Since	Tenure
Sunaina Cunha	15 Jul 11	15.06 Yr.
Kaustubh Gupta	15 Jul 11	15.06 Yr.
Sanjay Pawar	1 Jul 22	4.09 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	98.49%
Debt	1.51%

Debt Sector Allocation

Sector	Value
Cash Equivalent	85.79%
Government	8.56%
Corporate	5.65%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivable / Payable CBLO \| -	3%	-₹2,320 Cr
India (Republic of) - \| -	3%	₹2,147 Cr	215,312,800
Union Bank of India Debentures \| -	3%	₹1,972 Cr	40,000 ↑ 40,000
India (Republic of) - \| -	2%	₹1,568 Cr	157,397,500
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,435 Cr	29,000
City Union Bank Limited Debentures \| -	2%	₹1,187 Cr	24,000
Hindustan Petroleum Corp Ltd. Commercial Paper \| -	1%	₹1,047 Cr	21,000 ↑ 21,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	1%	₹1,015 Cr	20,500
23/07/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹999 Cr	100,000,000
Union Bank of India Debentures \| -	1%	₹991 Cr	20,000

7. UTI Liquid Cash Plan

The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of money market securities and high quality debt.

Research Highlights for UTI Liquid Cash Plan

Upper mid AUM (₹27,632 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.37% (bottom quartile).
1M return: 0.55% (bottom quartile).
Sharpe: 2.38 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.62% (upper mid).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.10 yrs (upper mid).
Exit load: NIL.
Top sector: Real Estate.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~6.8%).

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan Growth
Launch Date	11 Dec 03
NAV (14 Aug 26)	₹458.856 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹27,632 on 30 Jun 26
Category	Debt - Liquid Fund
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.38
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,500
Exit Load	NIL
Yield to Maturity	6.62%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,369
31 Jul 23	₹11,056
31 Jul 24	₹11,864
31 Jul 25	₹12,700
31 Jul 26	₹13,503

UTI Liquid Cash Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for UTI Liquid Cash Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.3%
1 Year	6.4%
3 Year	6.9%
5 Year	6.2%
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	3.3%
2020	4.2%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Liquid Cash Plan

Name	Since	Tenure
Amit Sharma	7 Jul 17	9.07 Yr.

Data below for UTI Liquid Cash Plan as on 30 Jun 26

Asset Allocation

Asset Class	Value
Cash	98.47%
Debt	1.27%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	77.29%
Government	15.16%
Corporate	7.29%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	7%	₹2,055 Cr	20,650,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹840 Cr	8,500,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹792 Cr	8,000,000,000
ICICI Bank Ltd. Debentures \| -	2%	₹742 Cr	7,500,000,000
India (Republic of) - \| -	2%	₹699 Cr	7,000,000,000
Bank of India Ltd. Debentures \| -	2%	₹692 Cr	7,000,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹680 Cr	68,000 ↑ 53,000
Tbill Sovereign Bonds \| -	2%	₹677 Cr	6,800,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹646 Cr	6,500,000,000
Central Bank of India Domestic Bonds \| -	2%	₹595 Cr	6,000,000,000

Disclaimer:
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۔