کم رسک والے سرمایہ کاروں کے لیے سرفہرست 4 میوچل فنڈز

Updated on November 27, 2025 , 3498 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	₹3,584.07 ↑ 0.53	₹5,069	1.3	2.7	5.9	6.4	6.7	5.58%	4D	4D
SBI Overnight Fund Growth	₹4,248.54 ↑ 0.62	₹25,409	1.3	2.7	5.8	6.3	6.6	5.6%	1D	1D
HDFC Overnight Fund Growth	₹3,885.87 ↑ 0.57	₹12,451	1.3	2.7	5.8	6.3	6.6	5.6%	4D	4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 25

Research Highlights & Commentary of 3 Funds showcased

Commentary	UTI Overnight Fund	SBI Overnight Fund	HDFC Overnight Fund
Point 1	Bottom quartile AUM (₹5,069 Cr).	Highest AUM (₹25,409 Cr).	Lower mid AUM (₹12,451 Cr).
Point 2	Established history (22+ yrs).	Oldest track record among peers (23 yrs).	Established history (23+ 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: 5.89% (upper mid).	1Y return: 5.85% (lower mid).	1Y return: 5.80% (bottom quartile).
Point 6	1M return: 0.45% (upper mid).	1M return: 0.44% (lower mid).	1M return: 0.44% (bottom quartile).
Point 7	Sharpe: -15.40 (upper mid).	Sharpe: -16.91 (lower mid).	Sharpe: -18.77 (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): 5.58% (bottom quartile).	Yield to maturity (debt): 5.60% (upper mid).	Yield to maturity (debt): 5.60% (lower 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 (₹5,069 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 5.89% (upper mid).
1M return: 0.45% (upper mid).
Sharpe: -15.40 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.58% (bottom quartile).
Modified duration: 0.01 yrs (lower mid).

SBI Overnight Fund

Highest AUM (₹25,409 Cr).
Oldest track record among peers (23 yrs).
Rating: 2★ (lower mid).
Risk profile: Low.
1Y return: 5.85% (lower mid).
1M return: 0.44% (lower mid).
Sharpe: -16.91 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 5.60% (upper mid).
Modified duration: 0.00 yrs (upper mid).

HDFC Overnight Fund

Lower mid AUM (₹12,451 Cr).
Established history (23+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Low.
1Y return: 5.80% (bottom quartile).
1M return: 0.44% (bottom quartile).
Sharpe: -18.77 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.60% (lower 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
BOI AXA Liquid Fund Growth	₹3,078.9 ↑ 0.37	₹1,513	0.5	1.5	3	6.7	7.4	5.95%	1M 10D	1M 10D
Edelweiss Liquid Fund Growth	₹3,418.86 ↑ 0.51	₹10,621	0.5	1.5	3	6.6	7.3	5.98%	2M 5D	2M 5D
Mahindra Liquid Fund Growth	₹1,739.57 ↑ 0.26	₹1,045	0.5	1.5	3	6.6	7.4	6.08%	1M 10D	1M 13D
Axis Liquid Fund Growth	₹2,976.58 ↑ 0.42	₹35,360	0.5	1.5	3	6.7	7.4	6%	1M 6D	1M 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	BOI AXA Liquid Fund	Edelweiss Liquid Fund	Mahindra Liquid Fund	Axis Liquid Fund
Point 1	Bottom quartile AUM (₹503 Cr).	Lower mid AUM (₹1,513 Cr).	Upper mid AUM (₹10,621 Cr).	Bottom quartile AUM (₹1,045 Cr).	Highest AUM (₹35,360 Cr).
Point 2	Established history (15+ yrs).	Established history (17+ yrs).	Oldest track record among peers (18 yrs).	Established history (9+ yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 2★ (bottom quartile).	Not Rated.	Top rated.
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.55% (bottom quartile).	1Y return: 6.66% (top quartile).	1Y return: 6.63% (lower mid).	1Y return: 6.60% (bottom quartile).	1Y return: 6.66% (upper mid).
Point 6	1M return: 0.53% (top quartile).	1M return: 0.49% (upper mid).	1M return: 0.49% (bottom quartile).	1M return: 0.49% (lower mid).	1M return: 0.49% (bottom quartile).
Point 7	Sharpe: 0.20 (bottom quartile).	Sharpe: 3.61 (top quartile).	Sharpe: 3.25 (lower mid).	Sharpe: 3.38 (upper mid).	Sharpe: 3.13 (bottom quartile).
Point 8	Information ratio: -5.96 (bottom quartile).	Information ratio: 1.09 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 6.66% (top quartile).	Yield to maturity (debt): 5.95% (bottom quartile).	Yield to maturity (debt): 5.98% (bottom quartile).	Yield to maturity (debt): 6.08% (upper mid).	Yield to maturity (debt): 6.00% (lower mid).
Point 10	Modified duration: 0.10 yrs (upper mid).	Modified duration: 0.11 yrs (lower mid).	Modified duration: 0.18 yrs (bottom quartile).	Modified duration: 0.11 yrs (bottom quartile).	Modified duration: 0.10 yrs (top quartile).

IDBI Liquid Fund

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

BOI AXA Liquid Fund

Lower mid AUM (₹1,513 Cr).
Established history (17+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 6.66% (top quartile).
1M return: 0.49% (upper mid).
Sharpe: 3.61 (top quartile).
Information ratio: 1.09 (top quartile).
Yield to maturity (debt): 5.95% (bottom quartile).
Modified duration: 0.11 yrs (lower mid).

Edelweiss Liquid Fund

Upper mid AUM (₹10,621 Cr).
Oldest track record among peers (18 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 6.63% (lower mid).
1M return: 0.49% (bottom quartile).
Sharpe: 3.25 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.98% (bottom quartile).
Modified duration: 0.18 yrs (bottom quartile).

Mahindra Liquid Fund

Bottom quartile AUM (₹1,045 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: Low.
1Y return: 6.60% (bottom quartile).
1M return: 0.49% (lower mid).
Sharpe: 3.38 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.08% (upper mid).
Modified duration: 0.11 yrs (bottom quartile).

Axis Liquid Fund

Highest AUM (₹35,360 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.66% (upper mid).
1M return: 0.49% (bottom quartile).
Sharpe: 3.13 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.00% (lower mid).
Modified duration: 0.10 yrs (top 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
Aditya Birla Sun Life Savings Fund Growth	₹563.709 ↑ 0.12	₹22,389	1.6	3.4	7.7	7.5	7.9	6.81%	5M 19D	6M 22D
ICICI Prudential Ultra Short Term Fund Growth	₹28.4403 ↑ 0.01	₹17,841	1.6	3.2	7.3	7.2	7.5	6.64%	4M 24D	6M 11D
SBI Magnum Ultra Short Duration Fund Growth	₹6,129.77 ↑ 0.93	₹14,505	1.5	3.1	7.1	7.2	7.4	6.39%	4M 20D	5M 26D
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	Aditya Birla Sun Life Savings 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).	Highest AUM (₹22,389 Cr).	Upper mid AUM (₹17,841 Cr).	Lower mid AUM (₹14,505 Cr).
Point 2	Established history (17+ yrs).	Established history (15+ yrs).	Established history (22+ yrs).	Established history (14+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 1★ (bottom quartile).	Rating: 1★ (bottom quartile).	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Low.
Point 5	1Y return: 13.69% (top quartile).	1Y return: 6.39% (bottom quartile).	1Y return: 7.65% (upper mid).	1Y return: 7.25% (lower mid).	1Y return: 7.10% (bottom quartile).
Point 6	1M return: 0.59% (top quartile).	1M return: 0.52% (bottom quartile).	1M return: 0.57% (upper mid).	1M return: 0.54% (lower mid).	1M return: 0.53% (bottom quartile).
Point 7	Sharpe: 2.57 (lower mid).	Sharpe: -0.57 (bottom quartile).	Sharpe: 3.40 (top quartile).	Sharpe: 2.79 (upper mid).	Sharpe: 2.48 (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): 0.00% (bottom quartile).	Yield to maturity (debt): 6.83% (top quartile).	Yield to maturity (debt): 6.81% (upper mid).	Yield to maturity (debt): 6.64% (lower mid).	Yield to maturity (debt): 6.39% (bottom quartile).
Point 10	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.19 yrs (upper mid).	Modified duration: 0.47 yrs (bottom quartile).	Modified duration: 0.40 yrs (bottom quartile).	Modified duration: 0.39 yrs (lower mid).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

Bottom quartile AUM (₹297 Cr).
Established history (17+ 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).

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% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Highest AUM (₹22,389 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.65% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).

ICICI Prudential Ultra Short Term Fund

Upper mid AUM (₹17,841 Cr).
Established history (14+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.25% (lower mid).
1M return: 0.54% (lower mid).
Sharpe: 2.79 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.64% (lower mid).
Modified duration: 0.40 yrs (bottom quartile).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹14,505 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.10% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.48 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.39% (bottom quartile).
Modified duration: 0.39 yrs (lower mid).

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
Aditya Birla Sun Life Money Manager Fund Growth	₹380.282 ↑ 0.06	₹29,882	1.5	3.2	7.5	7.6	7.8	6.37%	5M 16D	5M 16D
UTI Money Market Fund Growth	₹3,169.8 ↑ 0.49	₹20,352	1.5	3.2	7.6	7.6	7.7	6.26%	4M 24D	4M 24D
Nippon India Money Market Fund Growth	₹4,265.86 ↑ 0.67	₹23,261	1.5	3.2	7.6	7.6	7.8	6.33%	4M 27D	5M 6D
Tata Money Market Fund Growth	₹4,852.12 ↑ 0.79	₹38,053	1.5	3.2	7.5	7.5	7.7	6.28%	5M 9D	5M 9D
ICICI Prudential Money Market Fund Growth	₹389.961 ↑ 0.06	₹35,011	1.5	3.2	7.6	7.5	7.7	6.23%	4M 7D	4M 16D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Money Manager Fund	UTI Money Market Fund	Nippon India Money Market Fund	Tata Money Market Fund	ICICI Prudential Money Market Fund
Point 1	Lower mid AUM (₹29,882 Cr).	Bottom quartile AUM (₹20,352 Cr).	Bottom quartile AUM (₹23,261 Cr).	Highest AUM (₹38,053 Cr).	Upper mid AUM (₹35,011 Cr).
Point 2	Established history (20+ yrs).	Established history (16+ yrs).	Established history (20+ yrs).	Oldest track record among peers (22 yrs).	Established history (19+ yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).
Point 4	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 7.54% (bottom quartile).	1Y return: 7.61% (top quartile).	1Y return: 7.57% (upper mid).	1Y return: 7.55% (bottom quartile).	1Y return: 7.55% (lower mid).
Point 6	1M return: 0.53% (lower mid).	1M return: 0.53% (top quartile).	1M return: 0.53% (upper mid).	1M return: 0.52% (bottom quartile).	1M return: 0.52% (bottom quartile).
Point 7	Sharpe: 2.97 (top quartile).	Sharpe: 2.90 (upper mid).	Sharpe: 2.74 (bottom quartile).	Sharpe: 2.79 (lower mid).	Sharpe: 2.71 (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): 6.37% (top quartile).	Yield to maturity (debt): 6.26% (bottom quartile).	Yield to maturity (debt): 6.33% (upper mid).	Yield to maturity (debt): 6.28% (lower mid).	Yield to maturity (debt): 6.23% (bottom quartile).
Point 10	Modified duration: 0.46 yrs (bottom quartile).	Modified duration: 0.40 yrs (upper mid).	Modified duration: 0.41 yrs (lower mid).	Modified duration: 0.44 yrs (bottom quartile).	Modified duration: 0.35 yrs (top quartile).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹29,882 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.54% (bottom quartile).
1M return: 0.53% (lower mid).
Sharpe: 2.97 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.37% (top quartile).
Modified duration: 0.46 yrs (bottom quartile).

UTI Money Market Fund

Bottom quartile AUM (₹20,352 Cr).
Established history (16+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.61% (top quartile).
1M return: 0.53% (top quartile).
Sharpe: 2.90 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.26% (bottom quartile).
Modified duration: 0.40 yrs (upper mid).

Nippon India Money Market Fund

Bottom quartile AUM (₹23,261 Cr).
Established history (20+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.57% (upper mid).
1M return: 0.53% (upper mid).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.33% (upper mid).
Modified duration: 0.41 yrs (lower mid).

Tata Money Market Fund

Highest AUM (₹38,053 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.55% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: 2.79 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.28% (lower mid).
Modified duration: 0.44 yrs (bottom quartile).

ICICI Prudential Money Market Fund

Upper mid AUM (₹35,011 Cr).
Established history (19+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 7.55% (lower mid).
1M return: 0.52% (bottom quartile).
Sharpe: 2.71 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.23% (bottom quartile).
Modified duration: 0.35 yrs (top quartile).

*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 (17+ 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 Nov 20	₹10,000
30 Nov 21	₹11,164

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★ (lower mid).
Risk profile: Low.
1Y return: 6.55% (bottom quartile).
1M return: 0.53% (lower mid).
Sharpe: 0.20 (bottom quartile).
Information ratio: -5.96 (bottom quartile).
Yield to maturity (debt): 6.66% (lower mid).
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 Nov 20	₹10,000
30 Nov 21	₹10,335
30 Nov 22	₹10,812

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% (bottom quartile).
1M return: 0.52% (bottom quartile).
Sharpe: -0.57 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.83% (top quartile).
Modified duration: 0.19 yrs (lower mid).
Average maturity: 0.23 yrs (upper mid).
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 Nov 20	₹10,000
30 Nov 21	₹10,403
30 Nov 22	₹10,847

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. 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

Upper mid AUM (₹22,389 Cr).
Oldest track record among peers (22 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.65% (upper mid).
1M return: 0.57% (upper mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.81% (upper mid).
Modified duration: 0.47 yrs (bottom quartile).
Average maturity: 0.56 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~49%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.6%).

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 (28 Nov 25)	₹563.709 ↑ 0.12 (0.02 %)
Net Assets (Cr)	₹22,389 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,392
30 Nov 22	₹10,859
30 Nov 23	₹11,636
30 Nov 24	₹12,535
30 Nov 25	₹13,491

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 7 Aug 22

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.4%
1 Year	7.7%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.38 Yr.
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Monika Gandhi	22 Mar 21	4.62 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	49.2%
Debt	50.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	47.85%
Cash Equivalent	39.2%
Government	12.71%

Credit Quality

Rating	Value
AA	28.73%
AAA	71.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Mankind Pharma Limited Debentures \| -	1%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	1%	₹344 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹272 Cr	27,000

5. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Highest AUM (₹29,882 Cr).
Established history (20+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 7.54% (lower mid).
1M return: 0.53% (bottom quartile).
Sharpe: 2.97 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.46 yrs (bottom quartile).
Average maturity: 0.46 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 (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~2.4%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (28 Nov 25)	₹380.282 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹29,882 on 31 Oct 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	2.97
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	5 Months 16 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,382
30 Nov 22	₹10,856
30 Nov 23	₹11,663
30 Nov 24	₹12,565
30 Nov 25	₹13,510

Aditya Birla Sun Life Money Manager 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 Money Manager 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	1.5%
6 Month	3.2%
1 Year	7.5%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Anuj Jain	22 Mar 21	4.62 Yr.
Mohit Sharma	1 Apr 17	8.59 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	90.08%
Debt	9.69%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.4%
Corporate	19.2%
Government	10.17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	2%	₹770 Cr	77,000,000 ↑ 500,000
India (Republic of) - \| -	2%	₹493 Cr	50,000,000 ↑ 50,000,000
India (Republic of) - \| -	1%	₹248 Cr	25,000,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹241 Cr	24,000,000
364 Days T-Bill - 06nov2026 Sovereign Bonds \| -	1%	₹237 Cr	25,000,000 ↑ 25,000,000
India (Republic of) - \| -	1%	₹222 Cr	22,500,000 ↑ 22,500,000
India (Republic of) - \| -	1%	₹215 Cr	22,500,000 ↑ 22,500,000
Canara Bank Domestic Bonds \| -	1%	₹197 Cr	4,000 ↑ 4,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹189 Cr	19,009,500
08.16 KA Sdl 2025 Sovereign Bonds \| -	1%	₹180 Cr	18,000,000

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