کم رسک والے سرمایہ کاروں کے لیے سرفہرست 4 میوچل فنڈز

Updated on May 10, 2026 , 3840 views

اگر آپ قریب آ رہے ہیں۔ریٹائرمنٹ یا اس کے لئے ایک نیا رکن ہیںباہمی چندہ یا اگر آپ ایسی سرمایہ کاری کی تلاش کر رہے ہیں جس سے آپ کو زیادہ نقصان نہ ہو اور آپ کے فنڈز کی حفاظت ایک ہی وقت میں نہ ہو، تو ہمارے پاس کچھ اختیارات ہیں جن پر آپ کو ایک نظر ڈالنے کی ضرورت ہے۔ مثالی طور پر، کم رسک والے سرمایہ کار وہ ہوتے ہیں جو اپنا پیسہ لگانا چاہتے ہیں، لیکن اپنی سرمایہ کاری کو خطرے میں نہیں ڈالنا چاہتے۔ دوسرے لفظوں میں، وہ Mutual Funds میں محفوظ سرمایہ کاری کرنا چاہتے ہیں۔

قرض فنڈ, Mutual Fund کی ایک قسم، قدامت پسند سرمایہ کاروں کے لیے کچھ بہترین کم خطرے والی سرمایہ کاری رکھتے ہیں۔ جیسا کہ قرض کے فنڈز حکومت میں سرمایہ کاری کرتے ہیں۔بانڈز، رقممارکیٹ سیکورٹیز وغیرہ، ان کے مقابلے میں کم خطرہ ہوتا ہے۔ایکوئٹیز. نیز، چونکہ ان فنڈز میں کم خطرہ ہوتا ہے، اس لیے ان فنڈز کی میچورٹی کی مدت مختصر ہوتی ہے، جو چند دنوں سے ایک سال تک مختلف ہوتی ہے۔ لیکن، یہ فنڈز اس مختصر مدت کے منافع کے لیے مشہور ہیں۔ خطرے سے بچنے والے سرمایہ کار ان فنڈز میں مختصر مدت کے لیے سرمایہ کاری کر سکتے ہیں اور زیادہ سے زیادہ منافع کما سکتے ہیں۔

کم رسک والے سرمایہ کاروں کے لیے بہترین کم رسک میوچل فنڈز

راتوں رات فنڈز

یہ ایک قرض کی اسکیم ہیں جو ایک دن میں پختہ ہونے والے بانڈز میں سرمایہ کاری کرے گی۔ دوسرے الفاظ میں، سرمایہ کاری ایک دن کی میچورٹی کے ساتھ راتوں رات سیکیورٹیز میں کی جاتی ہے۔ یہ ان سرمایہ کاروں کے لیے ایک محفوظ آپشن ہے جو خطرات اور منافع کی فکر کیے بغیر پیسہ لگانا چاہتے ہیں۔ کچھ راتوں رات اسکیم، تاکہ کریڈٹ رسک فری ریٹرن کے ذریعے پیدا کیا جا سکے۔آمدنی یا ترقی، مرکزی حکومت کی سیکورٹیز، ٹریژری بلز میں سرمایہ کاری کرتا ہے،کال کریں۔ پیسہ اور ریپوز۔ یہ ان سرمایہ کاروں کے لیے ایک بہترین آپشن ہے جو ایک رات کے لیے اپنی اضافی رقم کی سرمایہ کاری کرنا چاہتے ہیں۔ تاہم، جو راتوں رات اپنے فنڈ کو نہیں چھڑانا چاہتا، وہ اسے اسکیم میں رہنے دے سکتا ہے۔

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Overnight Fund Growth	₹3,666.92 ↑ 0.50	₹2,973	1.2	2.5	5.3	6.2	5.8	4.95%	2D	2D
SBI Overnight Fund Growth	₹4,345.57 ↑ 0.60	₹17,849	1.2	2.5	5.3	6.1	5.7	6.5%	1D	1D
HDFC Overnight Fund Growth	₹3,974.19 ↑ 0.54	₹7,434	1.2	2.5	5.2	6.1	5.7	7.91%	4D	4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 26

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹2,973 Cr).	Highest AUM (₹17,849 Cr).	Lower mid AUM (₹7,434 Cr).
Point 2	Established history (22+ yrs).	Established history (23+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Top rated.	Rating: 2★ (lower mid).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 5.33% (upper mid).	1Y return: 5.29% (lower mid).	1Y return: 5.25% (bottom quartile).
Point 6	1M return: 0.41% (upper mid).	1M return: 0.41% (lower mid).	1M return: 0.40% (bottom quartile).
Point 7	Sharpe: -10.10 (upper mid).	Sharpe: -11.73 (lower mid).	Sharpe: -12.06 (bottom quartile).
Point 8	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 4.95% (bottom quartile).	Yield to maturity (debt): 6.50% (lower mid).	Yield to maturity (debt): 7.91% (upper mid).
Point 10	Modified duration: 0.01 yrs (lower mid).	Modified duration: 0.00 yrs (upper mid).	Modified duration: 0.01 yrs (bottom quartile).

UTI Overnight Fund

Bottom quartile AUM (₹2,973 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.33% (upper mid).
1M return: 0.41% (upper mid).
Sharpe: -10.10 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 4.95% (bottom quartile).
Modified duration: 0.01 yrs (lower mid).

SBI Overnight Fund

Highest AUM (₹17,849 Cr).
Established history (23+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.29% (lower mid).
1M return: 0.41% (lower mid).
Sharpe: -11.73 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.50% (lower mid).
Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

Lower mid AUM (₹7,434 Cr).
Oldest track record among peers (24 yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.25% (bottom quartile).
1M return: 0.40% (bottom quartile).
Sharpe: -12.06 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.91% (upper mid).
Modified duration: 0.01 yrs (bottom quartile).

مائع فنڈز

مائع فنڈز ایسی سیکیورٹیز میں سرمایہ کاری کریں جن کی پختگی کی مدت کم ہے، عام طور پر 91 دن سے کم۔ یہ فنڈز بنیادی طور پر ٹریژری بلز، کمرشل پیپرز، ٹرم ڈپازٹ وغیرہ میں سرمایہ کاری کرتے ہیں۔لیکویڈیٹی اور دیگر قسم کے قرض کے آلات کے مقابلے میں کم سے کم اتار چڑھاؤ والے ہوتے ہیں۔ اس کے علاوہ، مائع روایتی کے مقابلے میں ایک بہتر اختیار ہےبینک بچت اکاونٹ. بینک اکاؤنٹ کے مقابلے میں، مائع فنڈز سالانہ سود کا 7-8% فراہم کرتے ہیں۔ عام طور پر، کسی کے پاس بھی اپنے سیونگ اکاؤنٹ میں بیکار نقدی ہے اس کے بارے میں سوچا ہوگا۔سرمایہ کاری یہ کہیں زیادہ پیسہ کمانے کے لئے ہے. وہ سرمایہ کار جو خطرے سے پاک سرمایہ کاری چاہتے ہیں مثالی طور پر ان فنڈز میں سرمایہ کاری کو ترجیح دے سکتے ہیں۔

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
IDBI Liquid Fund Growth	₹2,454.04 ↑ 0.35	₹503	0.5	1.7	3.4	6.6		6.66%	1M 7D	1M 10D
Axis Liquid Fund Growth	₹3,062.47 ↑ 0.44	₹30,188	0.5	1.6	3.1	6.2	6.6	7.77%	2M 1D	2M 5D
DSP Liquidity Fund Growth	₹3,926.01 ↑ 0.47	₹16,866	0.4	1.6	3.1	6.2	6.5	7.48%	1M 28D	2M 1D
BOI AXA Liquid Fund Growth	₹3,167.29 ↑ 0.41	₹1,611	0.4	1.6	3.1	6.3	6.6	7.3%	1M 20D	1M 20D
Edelweiss Liquid Fund Growth	₹3,517.02 ↑ 0.53	₹8,877	0.5	1.6	3.1	6.3	6.5	7.42%	2M 8D	2M 8D
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 5 Funds showcased

Commentary	IDBI Liquid Fund	Axis Liquid Fund	DSP Liquidity Fund	BOI AXA Liquid Fund	Edelweiss Liquid Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Highest AUM (₹30,188 Cr).	Upper mid AUM (₹16,866 Cr).	Bottom quartile AUM (₹1,611 Cr).	Lower mid AUM (₹8,877 Cr).
Point 2	Established history (15+ yrs).	Established history (16+ yrs).	Oldest track record among peers (20 yrs).	Established history (17+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (top quartile).	1Y return: 6.25% (bottom quartile).	1Y return: 6.23% (bottom quartile).	1Y return: 6.26% (upper mid).	1Y return: 6.25% (lower mid).
Point 6	1M return: 0.53% (top quartile).	1M return: 0.45% (lower mid).	1M return: 0.44% (bottom quartile).	1M return: 0.44% (bottom quartile).	1M return: 0.46% (upper mid).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 3.16 (upper mid).	Sharpe: 3.03 (bottom quartile).	Sharpe: 3.46 (top quartile).	Sharpe: 3.06 (lower mid).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 1.76 (top quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.66% (bottom quartile).	Yield to maturity (debt): 7.77% (top quartile).	Yield to maturity (debt): 7.48% (upper mid).	Yield to maturity (debt): 7.30% (bottom quartile).	Yield to maturity (debt): 7.42% (lower mid).
Point 10	Modified duration: 0.10 yrs (top quartile).	Modified duration: 0.17 yrs (bottom quartile).	Modified duration: 0.16 yrs (lower mid).	Modified duration: 0.14 yrs (upper mid).	Modified duration: 0.19 yrs (bottom quartile).

IDBI Liquid Fund

Bottom quartile AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.55% (top quartile).
1M return: 0.53% (top quartile).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.10 yrs (top quartile).

Axis Liquid Fund

Highest AUM (₹30,188 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.45% (lower mid).
Sharpe: 3.16 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.17 yrs (bottom quartile).

DSP Liquidity Fund

Upper mid AUM (₹16,866 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.23% (bottom quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 3.03 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.48% (upper mid).
Modified duration: 0.16 yrs (lower mid).

BOI AXA Liquid Fund

Bottom quartile AUM (₹1,611 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.26% (upper mid).
1M return: 0.44% (bottom quartile).
Sharpe: 3.46 (top quartile).
Information ratio: 1.76 (top quartile).
Yield to maturity (debt): 7.30% (bottom quartile).
Modified duration: 0.14 yrs (upper mid).

Edelweiss Liquid Fund

Lower mid AUM (₹8,877 Cr).
Established history (18+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.25% (lower mid).
1M return: 0.46% (upper mid).
Sharpe: 3.06 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.42% (lower mid).
Modified duration: 0.19 yrs (bottom quartile).

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الٹرا شارٹ ٹرم فنڈز

انتہائی مختصر مدت کے فنڈز سرمایہ کاری کرتے ہیں۔مقررہ آمدنی وہ آلات جن کی میکالے کی مدت تین سے چھ ماہ کے درمیان ہوتی ہے۔ الٹرا شارٹ ٹرم فنڈز سرمایہ کاروں کو شرح سود کے خطرات سے بچنے میں مدد کرتے ہیں اور مائع قرض فنڈز کے مقابلے بہتر منافع بھی پیش کرتے ہیں۔ یہ فنڈز قلیل مدتی سرمایہ کاری ہیں جو ان سرمایہ کاروں کے لیے انتہائی موزوں ہیں جو اچھا منافع کمانے کے لیے سرمایہ کاری کے خطرے کو معمولی حد تک بڑھانے کے لیے تیار ہیں۔ عام طور پر، طویل میچورٹی والے آلات کے لیے قرض کے آلے پر پیداوار زیادہ ہوتی ہے۔ اس طرح، الٹرا شارٹ میوچل فنڈز میں سیکیورٹیز عام طور پر مائع فنڈز کے مقابلے میں زیادہ پیداوار حاصل کرتی ہیں (حالانکہ نسبتاً زیادہ خطرہ میں)۔ نتیجے کے طور پر، الٹرامختصر مدت کے فنڈز تقابلی مدت کے دوران مائع فنڈز کے مقابلے میں معمولی طور پر بہتر منافع دے سکتا ہے۔

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth	₹34.9131 ↑ 0.04	₹297	1.3	5.9	13.7	8.8		0%		1Y 15D
IDBI Ultra Short Term Fund Growth	₹2,424.68 ↑ 0.44	₹146	1.6	3.4	6.4	4.8		6.83%	2M 10D	2M 23D
Nippon India Ultra Short Duration Fund Growth	₹4,236.55 ↓ -0.02	₹9,512	1.5	2.8	6.2	6.8	6.8	7.27%	5M 13D	7M 28D
ICICI Prudential Ultra Short Term Fund Growth	₹29.1582 ↓ 0.00	₹13,619	1.4	2.8	6.4	7	7.1	7.73%	5M 16D	6M 29D
SBI Magnum Ultra Short Duration Fund Growth	₹6,283.85 ↓ -0.76	₹11,847	1.4	2.8	6.2	6.9	7	7.51%	5M 16D	10M 2D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Aug 22

Research Highlights & Commentary of 5 Funds showcased

Commentary	Franklin India Ultra Short Bond Fund - Super Institutional Plan	IDBI Ultra Short Term Fund	Nippon India Ultra Short Duration Fund	ICICI Prudential Ultra Short Term Fund	SBI Magnum Ultra Short Duration Fund
Point 1	Bottom quartile AUM (₹297 Cr).	Bottom quartile AUM (₹146 Cr).	Lower mid AUM (₹9,512 Cr).	Highest AUM (₹13,619 Cr).	Upper mid AUM (₹11,847 Cr).
Point 2	Established history (18+ yrs).	Established history (15+ yrs).	Established history (24+ yrs).	Established history (15+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Rating: 2★ (lower mid).	Top rated.	Rating: 3★ (upper mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 6.39% (upper mid).	1Y return: 6.21% (bottom quartile).	1Y return: 6.38% (lower mid).	1Y return: 6.22% (bottom quartile).
Point 6	1M return: 0.59% (top quartile).	1M return: 0.52% (upper mid).	1M return: 0.42% (lower mid).	1M return: 0.40% (bottom quartile).	1M return: 0.33% (bottom quartile).
Point 7	Sharpe: 2.57 (top quartile).	Sharpe: -0.57 (bottom quartile).	Sharpe: 1.41 (bottom quartile).	Sharpe: 1.95 (upper mid).	Sharpe: 1.89 (lower mid).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper 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): 0.00% (bottom quartile).	Yield to maturity (debt): 6.83% (bottom quartile).	Yield to maturity (debt): 7.27% (lower mid).	Yield to maturity (debt): 7.73% (top quartile).	Yield to maturity (debt): 7.51% (upper mid).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.45 yrs (lower mid).	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.46 yrs (bottom quartile).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (top quartile).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

IDBI Ultra Short Term Fund

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (upper mid).
1M return: 0.52% (upper mid).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (bottom quartile).
Modified duration: 0.19 yrs (upper mid).

Nippon India Ultra Short Duration Fund

Lower mid AUM (₹9,512 Cr).
Established history (24+ yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 6.21% (bottom quartile).
1M return: 0.42% (lower mid).
Sharpe: 1.41 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.27% (lower mid).
Modified duration: 0.45 yrs (lower mid).

ICICI Prudential Ultra Short Term Fund

Highest AUM (₹13,619 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.38% (lower mid).
1M return: 0.40% (bottom quartile).
Sharpe: 1.95 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.73% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).

SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹11,847 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.22% (bottom quartile).
1M return: 0.33% (bottom quartile).
Sharpe: 1.89 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.51% (upper mid).
Modified duration: 0.46 yrs (bottom quartile).

منی مارکیٹ فنڈز

منی مارکیٹ فنڈ بہت سی مارکیٹوں میں سرمایہ کاری کرتا ہے جیسے کمرشل/ٹریژری بلز، کمرشل پیپرز،جمع کروانے کی رسید اور ریزرو بینک آف انڈیا (RBI) کے ذریعہ متعین کردہ دیگر آلات۔ یہ سرمایہ کاری خطرے سے بچنے والے سرمایہ کاروں کے لیے ایک اچھا اختیار ہے جو مختصر مدت میں اچھا منافع کمانا چاہتے ہیں۔ یہ قرضہ اسکیم منی مارکیٹ کے آلات میں سرمایہ کاری کرے گی جس کی مدت ایک سال تک ہے۔ کی کارکردگیمنی مارکیٹ فنڈز ریزرو بینک آف انڈیا کے ذریعہ مقرر کردہ سود کی شرحوں سے قریب سے جڑا ہوا ہے۔سنٹرل بینک آف انڈیا. لہذا، جب RBI مارکیٹ میں شرحیں بڑھاتا ہے، پیداوار میں اضافہ ہوتا ہے، اور منی مارکیٹ فنڈز اچھا منافع دینے کے قابل ہوتے ہیں۔

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Bandhan Money Manager Fund Growth	₹42.4649 ↓ -0.01	₹13,437	1.4	2.8	6.4	6.9	7.3	7.12%	8M 29D	8M 29D
Tata Money Market Fund Growth	₹4,976.08 ↓ -1.11	₹32,382	1.4	2.8	6.4	7.3	7.4	6.64%	6D	6D
Franklin India Savings Fund Growth	₹52.8585 ↓ -0.01	₹3,959	1.4	2.8	6.4	7.2	7.4	6.4%	6M 11D	6M 23D
Kotak Money Market Scheme Growth	₹4,731.54 ↓ -1.02	₹32,331	1.4	2.8	6.4	7.2	7.4	7.24%	8M 23D	8M 23D
HDFC Money Market Fund Growth	₹6,021.34 ↓ -1.36	₹28,188	1.4	2.8	6.3	7.2	7.4	7.33%	7M 30D	8M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 May 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Bandhan Money Manager Fund	Tata Money Market Fund	Franklin India Savings Fund	Kotak Money Market Scheme	HDFC Money Market Fund
Point 1	Bottom quartile AUM (₹13,437 Cr).	Highest AUM (₹32,382 Cr).	Bottom quartile AUM (₹3,959 Cr).	Upper mid AUM (₹32,331 Cr).	Lower mid AUM (₹28,188 Cr).
Point 2	Established history (23+ yrs).	Established history (22+ yrs).	Established history (24+ yrs).	Established history (22+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.35% (lower mid).	1Y return: 6.39% (top quartile).	1Y return: 6.36% (upper mid).	1Y return: 6.35% (bottom quartile).	1Y return: 6.34% (bottom quartile).
Point 6	1M return: 0.33% (bottom quartile).	1M return: 0.35% (top quartile).	1M return: 0.35% (upper mid).	1M return: 0.34% (lower mid).	1M return: 0.32% (bottom quartile).
Point 7	Sharpe: 1.79 (top quartile).	Sharpe: 1.65 (lower mid).	Sharpe: 1.65 (upper mid).	Sharpe: 1.62 (bottom quartile).	Sharpe: 1.60 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper 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): 7.12% (lower mid).	Yield to maturity (debt): 6.64% (bottom quartile).	Yield to maturity (debt): 6.40% (bottom quartile).	Yield to maturity (debt): 7.24% (upper mid).	Yield to maturity (debt): 7.33% (top quartile).
Point 10	Modified duration: 0.75 yrs (bottom quartile).	Modified duration: 0.02 yrs (top quartile).	Modified duration: 0.53 yrs (upper mid).	Modified duration: 0.73 yrs (bottom quartile).	Modified duration: 0.67 yrs (lower mid).

Bandhan Money Manager Fund

Bottom quartile AUM (₹13,437 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.35% (lower mid).
1M return: 0.33% (bottom quartile).
Sharpe: 1.79 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.12% (lower mid).
Modified duration: 0.75 yrs (bottom quartile).

Tata Money Market Fund

Highest AUM (₹32,382 Cr).
Established history (22+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.39% (top quartile).
1M return: 0.35% (top quartile).
Sharpe: 1.65 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.64% (bottom quartile).
Modified duration: 0.02 yrs (top quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹3,959 Cr).
Established history (24+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.36% (upper mid).
1M return: 0.35% (upper mid).
Sharpe: 1.65 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.40% (bottom quartile).
Modified duration: 0.53 yrs (upper mid).

Kotak Money Market Scheme

Upper mid AUM (₹32,331 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.35% (bottom quartile).
1M return: 0.34% (lower mid).
Sharpe: 1.62 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.24% (upper mid).
Modified duration: 0.73 yrs (bottom quartile).

HDFC Money Market Fund

Lower mid AUM (₹28,188 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.34% (bottom quartile).
1M return: 0.32% (bottom quartile).
Sharpe: 1.60 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.33% (top quartile).
Modified duration: 0.67 yrs (lower mid).

*اوپر بہترین کی فہرست ہے۔کم خطرہ فنڈز میں اوپر AUM/نیٹ اثاثے ہیں۔100 کروڑ. پر ترتیب دیا گیاآخری 6 ماہ کی واپسی۔.

1. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Research Highlights for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (top quartile).
Sharpe: 2.57 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 1.04 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth
Launch Date	18 Dec 07
NAV (07 Aug 22)	₹34.9131 ↑ 0.04 (0.11 %)
Net Assets (Cr)	₹297 on 31 Jul 22
Category	Debt - Ultrashort Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆
Risk	Moderate
Expense Ratio	0.52
Sharpe Ratio	2.57
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity	1 Year 15 Days
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹11,451

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	5.9%
1 Year	13.7%
3 Year	8.8%
5 Year	8.7%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Name	Since	Tenure

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Jul 22

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. IDBI 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.

Research Highlights for IDBI Liquid Fund

Lower mid AUM (₹503 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.55% (upper mid).
1M return: 0.53% (upper mid).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (bottom quartile).
Modified duration: 0.10 yrs (upper mid).
Average maturity: 0.11 yrs (top quartile).
Exit load: NIL.

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund Growth
Launch Date	9 Jul 10
NAV (28 Jul 23)	₹2,454.04 ↑ 0.35 (0.01 %)
Net Assets (Cr)	₹503 on 30 Jun 23
Category	Debt - Liquid Fund
AMC	IDBI Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.17
Sharpe Ratio	0.2
Information Ratio	-5.96
Alpha Ratio	-0.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.66%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,351
30 Apr 23	₹10,966

IDBI Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI 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 7 Aug 22

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

3. IDBI Ultra Short Term Fund

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

Bottom quartile AUM (₹146 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 6.39% (lower mid).
1M return: 0.52% (lower mid).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (lower mid).
Modified duration: 0.19 yrs (bottom quartile).
Average maturity: 0.23 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for IDBI Ultra Short Term Fund

IDBI Ultra Short Term Fund Growth
Launch Date	3 Sep 10
NAV (28 Jul 23)	₹2,424.68 ↑ 0.44 (0.02 %)
Net Assets (Cr)	₹146 on 30 Jun 23
Category	Debt - Ultrashort Bond
AMC	IDBI Asset Management Limited
Rating	☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.83%
Effective Maturity	2 Months 23 Days
Modified Duration	2 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,402
30 Apr 23	₹10,984

IDBI Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for IDBI Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Aug 22

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

4. 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

Highest AUM (₹30,188 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.25% (bottom quartile).
1M return: 0.45% (bottom quartile).
Sharpe: 3.16 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.77% (top quartile).
Modified duration: 0.17 yrs (bottom quartile).
Average maturity: 0.18 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 Clearing Corporation Of India Ltd (~8.5%).

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (12 May 26)	₹3,062.47 ↑ 0.44 (0.01 %)
Net Assets (Cr)	₹30,188 on 31 Mar 26
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	3.16
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.77%
Effective Maturity	2 Months 5 Days
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,343
30 Apr 23	₹10,964
30 Apr 24	₹11,764
30 Apr 25	₹12,625
30 Apr 26	₹13,415

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 7 Aug 22

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.1%
1 Year	6.2%
3 Year	6.9%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	7.4%
2022	7.1%
2021	4.9%
2020	3.3%
2019	4.3%
2018	6.6%
2017	7.5%
2016	6.7%
2015	7.6%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	13.49 Yr.
Aditya Pagaria	13 Aug 16	9.72 Yr.
Sachin Jain	3 Jul 23	2.83 Yr.

Data below for Axis Liquid Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	71.7%
Corporate	20.37%
Government	7.74%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Clearing Corporation Of India Ltd CBLO/Reverse Repo \| -	9%	₹4,365 Cr
India (Republic of) - \| -	3%	₹1,736 Cr	175,000,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	3%	₹1,735 Cr	35,000
Reliance Jio Infocomm Ltd. Commercial Paper \| -	3%	₹1,495 Cr	30,000 ↑ 30,000
Tbill Sovereign Bonds \| -	3%	₹1,492 Cr	150,000,000 ↑ 50,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹1,289 Cr	26,000 ↑ 26,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹1,245 Cr	25,000
India (Republic of) - \| -	2%	₹1,227 Cr	123,560,400
Tata Steel Ltd. Commercial Paper \| -	2%	₹993 Cr	20,000
Bank of Baroda Debentures \| -	2%	₹990 Cr	20,000

5. 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

Upper mid AUM (₹16,866 Cr).
Oldest track record among peers (20 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.23% (bottom quartile).
1M return: 0.44% (bottom quartile).
Sharpe: 3.03 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.48% (upper mid).
Modified duration: 0.16 yrs (lower mid).
Average maturity: 0.17 yrs (upper mid).
Exit load: NIL.
Top sector: Communication Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding Treps / Reverse Repo Investments (~12.8%).

Below is the key information for DSP Liquidity Fund

DSP Liquidity Fund Growth
Launch Date	23 Nov 05
NAV (12 May 26)	₹3,926.01 ↑ 0.47 (0.01 %)
Net Assets (Cr)	₹16,866 on 31 Mar 26
Category	Debt - Liquid Fund
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.21
Sharpe Ratio	3.03
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.48%
Effective Maturity	2 Months 1 Day
Modified Duration	1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 21	₹10,000
30 Apr 22	₹10,340
30 Apr 23	₹10,951
30 Apr 24	₹11,743
30 Apr 25	₹12,601
30 Apr 26	₹13,387

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 7 Aug 22

Duration	Returns
1 Month	0.4%
3 Month	1.6%
6 Month	3.1%
1 Year	6.2%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.5%
2023	7.4%
2022	7%
2021	4.8%
2020	3.3%
2019	4.2%
2018	6.5%
2017	7.4%
2016	6.6%
2015	7.6%

Fund Manager information for DSP Liquidity Fund

Name	Since	Tenure
Karan Mundhra	31 May 21	4.92 Yr.
Shalini Vasanta	1 Aug 24	1.75 Yr.
Kunal Khudania	1 Jan 26	0.33 Yr.

Data below for DSP Liquidity Fund as on 31 Mar 26

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.95%
Corporate	28.31%
Government	3.55%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	13%	₹3,299 Cr
Tbill Sovereign Bonds \| -	3%	₹742 Cr	74,650,000 ↑ 27,500,000
Small Industries Development Bank of India Commercial Paper \| -	2%	₹570 Cr	11,500 ↓ -500
Tata Steel Ltd. Commercial Paper \| -	2%	₹496 Cr	10,000 ↑ 10,000
Export-Import Bank Of India Certificate of Deposit \| -	2%	₹472 Cr	9,500
Union Bank Of India Certificate of Deposit \| -	2%	₹472 Cr	9,500
HDFC Bank Limited Certificate of Deposit \| -	2%	₹397 Cr	8,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	2%	₹395 Cr	8,000 ↑ 8,000
Bajaj Finance Ltd. Commercial Paper \| -	2%	₹394 Cr	8,000 ↑ 8,000
Indian Bank Certificate of Deposit \| -	1%	₹367 Cr	7,400 ↓ -500

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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۔