مائعباہمی چندہ بنیادی طور پر ہیںکرنسی مارکیٹ (قرض) فنڈز جو چھوٹی مدت کی رقم میں سرمایہ کاری کرتے ہیں۔مارکیٹ آلات بشمول ٹریژری بلز، ٹرم ڈپازٹس، ڈپازٹس کا سرٹیفکیٹ، تجارتی کاغذات وغیرہ۔ عام طور پر مائع میوچل فنڈز آپ کے پیسے کو چھوٹی مدت کے لیے سرمایہ کاری کرنے کے اختیارات ہیں۔ وہ سیکیورٹیز جو اس کا حصہ ہیں۔مائع فنڈز 91 دن سے کم کی پختگی ہے۔ مائع فنڈز میں کوئی لاک ان پیریڈ نہیں ہوتا ہے لہذا سرمایہ کاری کی گئی اثاثے زیادہ دیر تک پابند نہیں ہوتے، اس طرح آپ کی رقم دستیاب رہتی ہے۔ مائع فنڈ کی واپسی غیر مستحکم ہوتی ہے کیونکہ وہ مالیاتی مارکیٹ میں فنڈ کی کارکردگی پر منحصر ہوتے ہیں۔ کا انتخاب کرنابہترین مائع فنڈ ایک مشکل کام ہے، تاہم، ان کا فیصلہ کرنے کے لیے کوئی مخصوص پیرامیٹرز استعمال کر سکتا ہے۔
بنیادی پیرامیٹرز جو مائع میوچل فنڈز کو منتخب کرنے کے لیے استعمال کیے جاسکتے ہیں درج ذیل ہیں:
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مختلف مائع فنڈز پر منافع کو دیکھنا:
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,560.43
↑ 0.30 ₹303 0.5 1.4 3.1 6.9 7.4 5.88% 1M 3D 1M 3D BOI AXA Liquid Fund Growth ₹3,049.27
↑ 0.46 ₹1,824 0.5 1.4 3.1 6.9 7.4 5.82% 1M 10D 1M 10D Axis Liquid Fund Growth ₹2,947.93
↑ 0.41 ₹37,122 0.5 1.4 3.1 6.9 7.4 5.9% 1M 9D 1M 11D PGIM India Insta Cash Fund Growth ₹344.669
↑ 0.05 ₹527 0.5 1.4 3.1 6.8 7.3 5.83% 20D 22D Canara Robeco Liquid Growth ₹3,186.63
↑ 0.38 ₹8,310 0.5 1.4 3.1 6.8 7.4 5.82% 1M 1D 1M 3D Edelweiss Liquid Fund Growth ₹3,385.97
↑ 0.51 ₹10,218 0.5 1.4 3.1 6.8 7.3 5.83% 1M 10D 1M 10D Tata Liquid Fund Growth ₹4,169.82
↑ 0.56 ₹20,404 0.5 1.4 3.1 6.8 7.3 5.94% 1M 9D 1M 9D DSP Liquidity Fund Growth ₹3,779.78
↑ 0.53 ₹19,926 0.5 1.4 3.1 6.8 7.4 5.87% 1M 6D 1M 10D UTI Liquid Cash Plan Growth ₹4,343.35
↑ 0.57 ₹25,037 0.5 1.4 3.1 6.8 7.3 5.93% 1M 6D 1M 6D Invesco India Liquid Fund Growth ₹3,638.93
↑ 0.52 ₹14,543 0.5 1.4 3.1 6.8 7.4 5.84% 1M 10D 1M 10D Aditya Birla Sun Life Liquid Fund Growth ₹426.614
↑ 0.06 ₹49,721 0.5 1.4 3.1 6.8 7.3 6% 1M 2D 1M 2D Mahindra Liquid Fund Growth ₹1,722.81
↑ 0.23 ₹1,231 0.5 1.4 3.1 6.8 7.4 5.93% 1M 6D 1M 8D Mirae Asset Cash Management Fund Growth ₹2,776.24
↑ 0.45 ₹13,791 0.5 1.4 3.1 6.8 7.3 5.87% 1M 10D 1M 12D Nippon India Liquid Fund Growth ₹6,460.86
↑ 0.89 ₹30,965 0.5 1.4 3.1 6.8 7.3 5.89% 1M 10D 1M 13D ICICI Prudential Liquid Fund Growth ₹391.852
↑ 0.06 ₹52,340 0.5 1.4 3.1 6.8 7.4 5.87% 1M 1D 1M 4D Kotak Liquid Fund Growth ₹5,351.06
↑ 0.77 ₹40,675 0.5 1.4 3.1 6.8 7.3 5.94% 1M 10D 1M 10D HDFC Liquid Fund Growth ₹5,193.98
↑ 0.70 ₹61,399 0.5 1.4 3.1 6.8 7.3 5.88% 1M 7D 1M 11D LIC MF Liquid Fund Growth ₹4,785.26
↑ 0.68 ₹13,162 0.5 1.4 3.1 6.7 7.4 5.87% 1M 11D 1M 11D Baroda Pioneer Liquid Fund Growth ₹3,043.36
↑ 0.44 ₹10,150 0.5 1.4 3.1 6.7 7.3 5.88% 1M 8D 1M 8D Bandhan Cash Fund Growth ₹3,197.32
↑ 0.45 ₹13,632 0.5 1.4 3.1 6.7 7.3 5.84% 1M 6D 1M 6D SBI Liquid Fund Growth ₹4,137.59
↑ 0.56 ₹63,824 0.5 1.4 3.1 6.7 7.3 5.86% 1M 6D 1M 6D JM Liquid Fund Growth ₹72.2241
↑ 0.01 ₹2,695 0.5 1.4 3.1 6.7 7.2 5.83% 1M 7D 1M 9D IIFL Liquid Fund Growth ₹2,037.64
↑ 0.29 ₹910 0.5 1.4 3 6.6 7.2 5.81% 1M 6D 1M 10D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D Sundaram Money Fund Growth ₹44.1929
↑ 0.00 ₹3,144 0.3 0.8 1.7 3.3 3.5% 1M 2D 1M 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25 Research Highlights & Commentary of 25 Funds showcased
Commentary Indiabulls Liquid Fund BOI AXA Liquid Fund Axis Liquid Fund PGIM India Insta Cash Fund Canara Robeco Liquid Edelweiss Liquid Fund Tata Liquid Fund DSP Liquidity Fund UTI Liquid Cash Plan Invesco India Liquid Fund Aditya Birla Sun Life Liquid Fund Mahindra Liquid Fund Mirae Asset Cash Management Fund Nippon India Liquid Fund ICICI Prudential Liquid Fund Kotak Liquid Fund HDFC Liquid Fund LIC MF Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund SBI Liquid Fund JM Liquid Fund IIFL Liquid Fund IDBI Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹303 Cr). Bottom quartile AUM (₹1,824 Cr). Top quartile AUM (₹37,122 Cr). Bottom quartile AUM (₹527 Cr). Lower mid AUM (₹8,310 Cr). Lower mid AUM (₹10,218 Cr). Upper mid AUM (₹20,404 Cr). Upper mid AUM (₹19,926 Cr). Upper mid AUM (₹25,037 Cr). Upper mid AUM (₹14,543 Cr). Top quartile AUM (₹49,721 Cr). Bottom quartile AUM (₹1,231 Cr). Upper mid AUM (₹13,791 Cr). Upper mid AUM (₹30,965 Cr). Top quartile AUM (₹52,340 Cr). Top quartile AUM (₹40,675 Cr). Top quartile AUM (₹61,399 Cr). Lower mid AUM (₹13,162 Cr). Lower mid AUM (₹10,150 Cr). Lower mid AUM (₹13,632 Cr). Highest AUM (₹63,824 Cr). Bottom quartile AUM (₹2,695 Cr). Bottom quartile AUM (₹910 Cr). Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (9+ yrs). Established history (16+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (23+ yrs). Established history (16+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (27 yrs). Established history (11+ yrs). Established history (15+ yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Not Rated. Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 5★ (top quartile). Not Rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.86% (top quartile). 1Y return: 6.86% (top quartile). 1Y return: 6.85% (top quartile). 1Y return: 6.83% (top quartile). 1Y return: 6.83% (top quartile). 1Y return: 6.82% (top quartile). 1Y return: 6.82% (upper mid). 1Y return: 6.82% (upper mid). 1Y return: 6.81% (upper mid). 1Y return: 6.81% (upper mid). 1Y return: 6.81% (upper mid). 1Y return: 6.79% (upper mid). 1Y return: 6.79% (lower mid). 1Y return: 6.78% (lower mid). 1Y return: 6.78% (lower mid). 1Y return: 6.78% (lower mid). 1Y return: 6.77% (lower mid). 1Y return: 6.72% (lower mid). 1Y return: 6.72% (bottom quartile). 1Y return: 6.71% (bottom quartile). 1Y return: 6.71% (bottom quartile). 1Y return: 6.71% (bottom quartile). 1Y return: 6.62% (bottom quartile). 1Y return: 6.55% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (lower mid). 1M return: 0.47% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.47% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.53% (top quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 3.54 (upper mid). Sharpe: 4.59 (top quartile). Sharpe: 3.41 (upper mid). Sharpe: 3.57 (top quartile). Sharpe: 3.48 (upper mid). Sharpe: 3.91 (top quartile). Sharpe: 3.56 (upper mid). Sharpe: 3.56 (upper mid). Sharpe: 3.40 (lower mid). Sharpe: 3.79 (top quartile). Sharpe: 3.41 (upper mid). Sharpe: 3.61 (top quartile). Sharpe: 3.82 (top quartile). Sharpe: 3.30 (lower mid). Sharpe: 3.34 (lower mid). Sharpe: 3.13 (lower mid). Sharpe: 3.05 (bottom quartile). Sharpe: 3.26 (lower mid). Sharpe: 3.07 (bottom quartile). Sharpe: 3.18 (lower mid). Sharpe: 2.79 (bottom quartile). Sharpe: 2.95 (bottom quartile). Sharpe: 2.72 (bottom quartile). Sharpe: 0.20 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -1.18 (bottom quartile). Information ratio: 0.74 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.64 (lower mid). Information ratio: 0.08 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.74 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.92 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.18 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (top quartile). Information ratio: -2.17 (bottom quartile). Information ratio: -2.96 (bottom quartile). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.82% (bottom quartile). Yield to maturity (debt): 5.90% (upper mid). Yield to maturity (debt): 5.83% (bottom quartile). Yield to maturity (debt): 5.82% (bottom quartile). Yield to maturity (debt): 5.83% (bottom quartile). Yield to maturity (debt): 5.94% (top quartile). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.93% (top quartile). Yield to maturity (debt): 5.84% (lower mid). Yield to maturity (debt): 6.00% (top quartile). Yield to maturity (debt): 5.93% (top quartile). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.89% (upper mid). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.94% (top quartile). Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.87% (upper mid). Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.84% (lower mid). Yield to maturity (debt): 5.86% (lower mid). Yield to maturity (debt): 5.83% (bottom quartile). Yield to maturity (debt): 5.81% (bottom quartile). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.06 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.09 yrs (top quartile). Indiabulls Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
PGIM India Insta Cash Fund
Canara Robeco Liquid
Edelweiss Liquid Fund
Tata Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
Aditya Birla Sun Life Liquid Fund
Mahindra Liquid Fund
Mirae Asset Cash Management Fund
Nippon India Liquid Fund
ICICI Prudential Liquid Fund
Kotak Liquid Fund
HDFC Liquid Fund
LIC MF Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
SBI Liquid Fund
JM Liquid Fund
IIFL Liquid Fund
IDBI Liquid Fund
Sundaram Money Fund
مائع میوچل فنڈز کے پورٹ فولیو میں ایسی سیکیورٹیز ہوتی ہیں جن کی بقایا میچورٹی 91 دن سے کم ہوتی ہے۔ اگرچہ کوئی جا کر کریڈٹ کوالٹی کے بارے میں بات کر سکتا ہے (آسان الفاظ میں، پورٹ فولیو میں سیکیورٹیز کتنی اچھی ہیں) اور پورٹ فولیو میں فرق کرنے کی کوشش کر سکتا ہے، تاہم، اصل تجربہ یہ ہے کہ، جب تک کہ پورٹ فولیو میں کچھ بہت ہی خراب معیار کے ساتھ حقیقی مسائل نہ ہوں۔ سیکیورٹیز، مائع فنڈز کا مسئلہ نہیں ہونا چاہیے۔ آج تک اس کا کوئی پتہ نہیں چل سکاطے شدہ مائع فنڈ پورٹ فولیو میں اور کمپنیاں عام طور پر مختصر میچورٹی پیپرز پر ڈیفالٹ نہیں ہوتیں۔ تاہم، فنڈ کے اوپر دیئے گئے پورٹ فولیو کو بتانے سے فنڈ کی پیداوار اور اس کے بعد کی کارکردگی کے بارے میں خیالات سامنے آئیں گے۔ یہ اکثر کہا جاتا ہے کہ "ماضی کی کارکردگی مستقبل کی کارکردگی کا اشارہ نہیں ہے" اور مائع میوچل فنڈز کے لیے، اگر کوئی کچھ تخمینہ لگانے کی کوشش کرتا ہے، تو اسے صرف پورٹ فولیو کو دیکھنا ہے۔ سیکیورٹیز کی قسم (کمرشل پیپرز (سی پیز)، ڈپازٹس کا سرٹیفکیٹ (سی ڈیز) وغیرہ)، کریڈٹ کا معیار اور پیداوار سے اندازہ ہوتا ہے کہ فنڈ کا ریٹرن پروفائل کیا ہوسکتا ہے۔ پورٹ فولیو کا معیار مائع فنڈ کی کارکردگی کا ایک اچھا اشارہ ہے۔ تمام مائع میوچل فنڈز کی میچورٹی عام طور پر دو دن اور 91 دنوں سے بہت کم ہوتی ہے۔ زیادہ تر معاملات میں ایسا ہی ہوتا ہے۔
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,560.43
↑ 0.30 ₹303 0.5 1.4 3.1 6.9 7.4 5.88% 1M 3D 1M 3D BOI AXA Liquid Fund Growth ₹3,049.27
↑ 0.46 ₹1,824 0.5 1.4 3.1 6.9 7.4 5.82% 1M 10D 1M 10D Axis Liquid Fund Growth ₹2,947.93
↑ 0.41 ₹37,122 0.5 1.4 3.1 6.9 7.4 5.9% 1M 9D 1M 11D PGIM India Insta Cash Fund Growth ₹344.669
↑ 0.05 ₹527 0.5 1.4 3.1 6.8 7.3 5.83% 20D 22D Canara Robeco Liquid Growth ₹3,186.63
↑ 0.38 ₹8,310 0.5 1.4 3.1 6.8 7.4 5.82% 1M 1D 1M 3D Edelweiss Liquid Fund Growth ₹3,385.97
↑ 0.51 ₹10,218 0.5 1.4 3.1 6.8 7.3 5.83% 1M 10D 1M 10D Tata Liquid Fund Growth ₹4,169.82
↑ 0.56 ₹20,404 0.5 1.4 3.1 6.8 7.3 5.94% 1M 9D 1M 9D DSP Liquidity Fund Growth ₹3,779.78
↑ 0.53 ₹19,926 0.5 1.4 3.1 6.8 7.4 5.87% 1M 6D 1M 10D UTI Liquid Cash Plan Growth ₹4,343.35
↑ 0.57 ₹25,037 0.5 1.4 3.1 6.8 7.3 5.93% 1M 6D 1M 6D Invesco India Liquid Fund Growth ₹3,638.93
↑ 0.52 ₹14,543 0.5 1.4 3.1 6.8 7.4 5.84% 1M 10D 1M 10D Aditya Birla Sun Life Liquid Fund Growth ₹426.614
↑ 0.06 ₹49,721 0.5 1.4 3.1 6.8 7.3 6% 1M 2D 1M 2D Mahindra Liquid Fund Growth ₹1,722.81
↑ 0.23 ₹1,231 0.5 1.4 3.1 6.8 7.4 5.93% 1M 6D 1M 8D Mirae Asset Cash Management Fund Growth ₹2,776.24
↑ 0.45 ₹13,791 0.5 1.4 3.1 6.8 7.3 5.87% 1M 10D 1M 12D Nippon India Liquid Fund Growth ₹6,460.86
↑ 0.89 ₹30,965 0.5 1.4 3.1 6.8 7.3 5.89% 1M 10D 1M 13D ICICI Prudential Liquid Fund Growth ₹391.852
↑ 0.06 ₹52,340 0.5 1.4 3.1 6.8 7.4 5.87% 1M 1D 1M 4D Kotak Liquid Fund Growth ₹5,351.06
↑ 0.77 ₹40,675 0.5 1.4 3.1 6.8 7.3 5.94% 1M 10D 1M 10D HDFC Liquid Fund Growth ₹5,193.98
↑ 0.70 ₹61,399 0.5 1.4 3.1 6.8 7.3 5.88% 1M 7D 1M 11D LIC MF Liquid Fund Growth ₹4,785.26
↑ 0.68 ₹13,162 0.5 1.4 3.1 6.7 7.4 5.87% 1M 11D 1M 11D Baroda Pioneer Liquid Fund Growth ₹3,043.36
↑ 0.44 ₹10,150 0.5 1.4 3.1 6.7 7.3 5.88% 1M 8D 1M 8D Bandhan Cash Fund Growth ₹3,197.32
↑ 0.45 ₹13,632 0.5 1.4 3.1 6.7 7.3 5.84% 1M 6D 1M 6D SBI Liquid Fund Growth ₹4,137.59
↑ 0.56 ₹63,824 0.5 1.4 3.1 6.7 7.3 5.86% 1M 6D 1M 6D JM Liquid Fund Growth ₹72.2241
↑ 0.01 ₹2,695 0.5 1.4 3.1 6.7 7.2 5.83% 1M 7D 1M 9D IIFL Liquid Fund Growth ₹2,037.64
↑ 0.29 ₹910 0.5 1.4 3 6.6 7.2 5.81% 1M 6D 1M 10D IDBI Liquid Fund Growth ₹2,454.04
↑ 0.35 ₹503 0.5 1.7 3.4 6.6 6.66% 1M 7D 1M 10D Sundaram Money Fund Growth ₹44.1929
↑ 0.00 ₹3,144 0.3 0.8 1.7 3.3 3.5% 1M 2D 1M 2D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25 Research Highlights & Commentary of 25 Funds showcased
Commentary Indiabulls Liquid Fund BOI AXA Liquid Fund Axis Liquid Fund PGIM India Insta Cash Fund Canara Robeco Liquid Edelweiss Liquid Fund Tata Liquid Fund DSP Liquidity Fund UTI Liquid Cash Plan Invesco India Liquid Fund Aditya Birla Sun Life Liquid Fund Mahindra Liquid Fund Mirae Asset Cash Management Fund Nippon India Liquid Fund ICICI Prudential Liquid Fund Kotak Liquid Fund HDFC Liquid Fund LIC MF Liquid Fund Baroda Pioneer Liquid Fund Bandhan Cash Fund SBI Liquid Fund JM Liquid Fund IIFL Liquid Fund IDBI Liquid Fund Sundaram Money Fund Point 1 Bottom quartile AUM (₹303 Cr). Bottom quartile AUM (₹1,824 Cr). Top quartile AUM (₹37,122 Cr). Bottom quartile AUM (₹527 Cr). Lower mid AUM (₹8,310 Cr). Lower mid AUM (₹10,218 Cr). Upper mid AUM (₹20,404 Cr). Upper mid AUM (₹19,926 Cr). Upper mid AUM (₹25,037 Cr). Upper mid AUM (₹14,543 Cr). Top quartile AUM (₹49,721 Cr). Bottom quartile AUM (₹1,231 Cr). Upper mid AUM (₹13,791 Cr). Upper mid AUM (₹30,965 Cr). Top quartile AUM (₹52,340 Cr). Top quartile AUM (₹40,675 Cr). Top quartile AUM (₹61,399 Cr). Lower mid AUM (₹13,162 Cr). Lower mid AUM (₹10,150 Cr). Lower mid AUM (₹13,632 Cr). Highest AUM (₹63,824 Cr). Bottom quartile AUM (₹2,695 Cr). Bottom quartile AUM (₹910 Cr). Bottom quartile AUM (₹503 Cr). Lower mid AUM (₹3,144 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Established history (15+ yrs). Established history (18+ yrs). Established history (17+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (21+ yrs). Established history (9+ yrs). Established history (16+ yrs). Established history (21+ yrs). Established history (19+ yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (23+ yrs). Established history (16+ yrs). Established history (17+ yrs). Established history (18+ yrs). Oldest track record among peers (27 yrs). Established history (11+ yrs). Established history (15+ yrs). Established history (19+ yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 5★ (top quartile). Rating: 3★ (bottom quartile). Rating: 2★ (bottom quartile). Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 4★ (upper mid). Not Rated. Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 5★ (top quartile). Not Rated. Rating: 3★ (upper mid). Rating: 3★ (upper mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.86% (top quartile). 1Y return: 6.86% (top quartile). 1Y return: 6.85% (top quartile). 1Y return: 6.83% (top quartile). 1Y return: 6.83% (top quartile). 1Y return: 6.82% (top quartile). 1Y return: 6.82% (upper mid). 1Y return: 6.82% (upper mid). 1Y return: 6.81% (upper mid). 1Y return: 6.81% (upper mid). 1Y return: 6.81% (upper mid). 1Y return: 6.79% (upper mid). 1Y return: 6.79% (lower mid). 1Y return: 6.78% (lower mid). 1Y return: 6.78% (lower mid). 1Y return: 6.78% (lower mid). 1Y return: 6.77% (lower mid). 1Y return: 6.72% (lower mid). 1Y return: 6.72% (bottom quartile). 1Y return: 6.71% (bottom quartile). 1Y return: 6.71% (bottom quartile). 1Y return: 6.71% (bottom quartile). 1Y return: 6.62% (bottom quartile). 1Y return: 6.55% (bottom quartile). 1Y return: 3.29% (bottom quartile). Point 6 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (lower mid). 1M return: 0.47% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.47% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (top quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (upper mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (lower mid). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (lower mid). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.46% (bottom quartile). 1M return: 0.45% (bottom quartile). 1M return: 0.53% (top quartile). 1M return: 0.29% (bottom quartile). Point 7 Sharpe: 3.54 (upper mid). Sharpe: 4.59 (top quartile). Sharpe: 3.41 (upper mid). Sharpe: 3.57 (top quartile). Sharpe: 3.48 (upper mid). Sharpe: 3.91 (top quartile). Sharpe: 3.56 (upper mid). Sharpe: 3.56 (upper mid). Sharpe: 3.40 (lower mid). Sharpe: 3.79 (top quartile). Sharpe: 3.41 (upper mid). Sharpe: 3.61 (top quartile). Sharpe: 3.82 (top quartile). Sharpe: 3.30 (lower mid). Sharpe: 3.34 (lower mid). Sharpe: 3.13 (lower mid). Sharpe: 3.05 (bottom quartile). Sharpe: 3.26 (lower mid). Sharpe: 3.07 (bottom quartile). Sharpe: 3.18 (lower mid). Sharpe: 2.79 (bottom quartile). Sharpe: 2.95 (bottom quartile). Sharpe: 2.72 (bottom quartile). Sharpe: 0.20 (bottom quartile). Sharpe: -3.87 (bottom quartile). Point 8 Information ratio: -1.18 (bottom quartile). Information ratio: 0.74 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.64 (lower mid). Information ratio: 0.08 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.74 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.92 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: -1.18 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (top quartile). Information ratio: -2.17 (bottom quartile). Information ratio: -2.96 (bottom quartile). Information ratio: -5.96 (bottom quartile). Information ratio: 0.00 (top quartile). Point 9 Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.82% (bottom quartile). Yield to maturity (debt): 5.90% (upper mid). Yield to maturity (debt): 5.83% (bottom quartile). Yield to maturity (debt): 5.82% (bottom quartile). Yield to maturity (debt): 5.83% (bottom quartile). Yield to maturity (debt): 5.94% (top quartile). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.93% (top quartile). Yield to maturity (debt): 5.84% (lower mid). Yield to maturity (debt): 6.00% (top quartile). Yield to maturity (debt): 5.93% (top quartile). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.89% (upper mid). Yield to maturity (debt): 5.87% (lower mid). Yield to maturity (debt): 5.94% (top quartile). Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.87% (upper mid). Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.84% (lower mid). Yield to maturity (debt): 5.86% (lower mid). Yield to maturity (debt): 5.83% (bottom quartile). Yield to maturity (debt): 5.81% (bottom quartile). Yield to maturity (debt): 6.66% (top quartile). Yield to maturity (debt): 3.50% (bottom quartile). Point 10 Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.06 yrs (top quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.12 yrs (bottom quartile). Modified duration: 0.11 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.09 yrs (top quartile). Indiabulls Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
PGIM India Insta Cash Fund
Canara Robeco Liquid
Edelweiss Liquid Fund
Tata Liquid Fund
DSP Liquidity Fund
UTI Liquid Cash Plan
Invesco India Liquid Fund
Aditya Birla Sun Life Liquid Fund
Mahindra Liquid Fund
Mirae Asset Cash Management Fund
Nippon India Liquid Fund
ICICI Prudential Liquid Fund
Kotak Liquid Fund
HDFC Liquid Fund
LIC MF Liquid Fund
Baroda Pioneer Liquid Fund
Bandhan Cash Fund
SBI Liquid Fund
JM Liquid Fund
IIFL Liquid Fund
IDBI Liquid Fund
Sundaram Money Fund
افراد اور کارپوریٹس کے درمیان اثاثہ جات کا وقفہ کسی حد تک یہ دیکھنا ضروری ہے کہ آیا مائع میوچل فنڈزہینڈل بڑے چھٹکارے. بڑے ریڈیمپشنز (بعض اوقات کارپوریٹس کے ذریعہ 100 یا 1000 کروڑ روپے بھی لیے جا سکتے ہیں) پورٹ فولیو پر دباؤ ڈال سکتے ہیں۔ لیکویڈیٹی بحران کے وقت اتنی بڑی مقدار کے لیے خریدار تلاش کرنا مشکل ہو گا۔
درحقیقت، اس بات کو یقینی بنانے کے لیے کہ پورٹ فولیو قیمت پر اثرانداز نہ ہو، مائع فنڈز کو مارک سے مارکیٹ میں ایکروئل کی بنیاد پر منتقل کیا گیا۔حساب کتاب 2008 میں Lehman بحران کے بعد۔
نیز، فنڈ کا سائز یہاں پر سرمایہ کاروں کی حفاظت کرتا ہے۔رہائی کے بعد سے دباؤSEBI ایک اصول ہے کہ کسی سکیم میں سب سے زیادہ انفرادی ہولڈنگ 20% سے زیادہ نہیں ہو سکتی۔ لہذا، زیادہ تر اسکیموں کو ایک حد تک محفوظ کیا جائے گا۔
2022 کے لیے بہترین کارکردگی کا مظاہرہ کرنے والے مائع فنڈز ہیں-
Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,560.43
↑ 0.30 ₹303 0.5 1.4 3.1 6.9 7.4 5.88% 1M 3D 1M 3D BOI AXA Liquid Fund Growth ₹3,049.27
↑ 0.46 ₹1,824 0.5 1.4 3.1 6.9 7.4 5.82% 1M 10D 1M 10D Axis Liquid Fund Growth ₹2,947.93
↑ 0.41 ₹37,122 0.5 1.4 3.1 6.9 7.4 5.9% 1M 9D 1M 11D PGIM India Insta Cash Fund Growth ₹344.669
↑ 0.05 ₹527 0.5 1.4 3.1 6.8 7.3 5.83% 20D 22D Canara Robeco Liquid Growth ₹3,186.63
↑ 0.38 ₹8,310 0.5 1.4 3.1 6.8 7.4 5.82% 1M 1D 1M 3D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary Indiabulls Liquid Fund BOI AXA Liquid Fund Axis Liquid Fund PGIM India Insta Cash Fund Canara Robeco Liquid Point 1 Bottom quartile AUM (₹303 Cr). Lower mid AUM (₹1,824 Cr). Highest AUM (₹37,122 Cr). Bottom quartile AUM (₹527 Cr). Upper mid AUM (₹8,310 Cr). Point 2 Established history (13+ yrs). Established history (17+ yrs). Established history (15+ yrs). Oldest track record among peers (18 yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 3★ (bottom quartile). Rating: 4★ (lower mid). Rating: 5★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.86% (top quartile). 1Y return: 6.86% (upper mid). 1Y return: 6.85% (lower mid). 1Y return: 6.83% (bottom quartile). 1Y return: 6.83% (bottom quartile). Point 6 1M return: 0.46% (bottom quartile). 1M return: 0.46% (upper mid). 1M return: 0.46% (bottom quartile). 1M return: 0.47% (top quartile). 1M return: 0.46% (lower mid). Point 7 Sharpe: 3.54 (lower mid). Sharpe: 4.59 (top quartile). Sharpe: 3.41 (bottom quartile). Sharpe: 3.57 (upper mid). Sharpe: 3.48 (bottom quartile). Point 8 Information ratio: -1.18 (bottom quartile). Information ratio: 0.74 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: -0.64 (bottom quartile). Information ratio: 0.08 (upper mid). Point 9 Yield to maturity (debt): 5.88% (upper mid). Yield to maturity (debt): 5.82% (bottom quartile). Yield to maturity (debt): 5.90% (top quartile). Yield to maturity (debt): 5.83% (lower mid). Yield to maturity (debt): 5.82% (bottom quartile). Point 10 Modified duration: 0.09 yrs (lower mid). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.11 yrs (bottom quartile). Modified duration: 0.06 yrs (top quartile). Modified duration: 0.09 yrs (upper mid). Indiabulls Liquid Fund
BOI AXA Liquid Fund
Axis Liquid Fund
PGIM India Insta Cash Fund
Canara Robeco Liquid
کارکردگی کی درجہ بندی اس وقت تک کہ موجودہ پورٹ فولیو اور مستقبل کے نقطہ نظر کو مدنظر نہ رکھا جائے کل کے جیتنے والوں کو ہارنے والوں سے ممتاز نہیں کر سکے گا۔ لہذا، اگرچہ پسماندہ نظر آنے والی درجہ بندی ماضی کی کارکردگی کے بارے میں اندازہ دے سکتی ہے، کوئی بھی ان کو فنڈ کو غیر منتخب کرنے کے لیے بہترین انداز میں استعمال کر سکتا ہے۔
مائع میوچل فنڈز کی تلاش کے دوران کسی کو متعدد عوامل کو دیکھنے کی ضرورت ہے اور پھر متعلقہ فنڈ کا انتخاب کرنا ہوگا۔
اعلان دستبرداری: براہ کرم اپنے مشیر سے مشورہ کریں اور کوئی بھی سرمایہ کاری کا فیصلہ کرنے سے پہلے آزادانہ تحقیق کریں۔