শীর্ষ 8 সেরা পারফর্মিং মানি মার্কেট মিউচুয়াল ফান্ড 2022 | Fincash.com

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সেরা মানি মার্কেট মিউচুয়াল ফান্ড 2022

Updated on December 18, 2024 , 42993 views

সাধারণ ভাষায়,সেরা তরল তহবিল (মানি মার্কেট ফান্ড) হয় ঋণযৌথ পুঁজি বা বরং অর্থবাজার মিউচুয়াল ফান্ডের মধ্যে পার্থক্য শুধুমাত্র বিনিয়োগের সময়কালের মধ্যে। মানি মার্কেট তহবিলগুলি খুব কম অর্থ বাজারের উপকরণগুলিতে বিনিয়োগ করে যেমনআমানতের সনদ পত্র, ট্রেজারি বিল, বাণিজ্যিক কাগজপত্র ইত্যাদি

এই তহবিলের বিনিয়োগের সময়কাল খুবই সংক্ষিপ্ত, সাধারণত কয়েক দিন থেকে কয়েক সপ্তাহ পর্যন্ত (এটি একদিনও হতে পারে!) গড় অবশিষ্ট পরিপক্কতাতরল তহবিল 91 দিনের কম কারণ তারা সিকিউরিটিজগুলিতে বিনিয়োগ করে যার স্বতন্ত্রভাবে 91 দিন পর্যন্ত মেয়াদ থাকে।

একটি স্বল্পমেয়াদী হচ্ছেঋণ তহবিল, এই তহবিলগুলি স্বল্প সময়ের জন্য স্বল্প-ঝুঁকির বিনিয়োগ খুঁজছেন এমন বিনিয়োগকারীদের জন্য অত্যন্ত উপযুক্ত। সর্বোত্তম তরল তহবিলের কম পরিপক্কতার সময় তহবিল পরিচালকদের পূরণ করতে সহায়তা করেমুক্তি সহজে বিনিয়োগকারীদের চাহিদা। বাজারে, বিভিন্ন মানি মার্কেট ফান্ড বিনিয়োগ পাওয়া যায়।

কেন মানি মার্কেট ফান্ডে বিনিয়োগ করবেন?

মুদ্রাবাজারে সিকিউরিটিজ তুলনামূলকভাবে কম ঝুঁকিপূর্ণ
মানি মার্কেট ফান্ডগুলিকে সমস্ত মিউচুয়াল ফান্ড বিনিয়োগের জন্য নিরাপদ এবং সুরক্ষিত বলে মনে করা হয়
মানি মার্কেট ফান্ড বিবেচনা করে, মানি মার্কেট অ্যাকাউন্টে বিনিয়োগ করা সহজ।বিনিয়োগ মিউচুয়াল ফান্ডের মাধ্যমে বিনিয়োগকারীরা তাদের সুবিধামত একটি অ্যাকাউন্ট খুলতে, আমানত করতে এবং উত্তোলন করতে পারে
মানি মার্কেট ফান্ডগুলিকে সমস্ত মিউচুয়াল ফান্ড বিনিয়োগের মধ্যে সবচেয়ে কম উদ্বায়ী ধরনের একটি হিসাবে বিবেচনা করা হয়
অর্থ বাজার তহবিলের কর্মক্ষমতা রিজার্ভ দ্বারা নির্ধারিত সুদের হারের সাথে ঘনিষ্ঠভাবে আবদ্ধব্যাংক ভারতের,সেন্ট্রাল ব্যাঙ্ক অফ ইন্ডিয়া. সুতরাং, যখন আরবিআই বাজারে হার বাড়ায়, ফলন বৃদ্ধি পায় এবং মানি মার্কেট ফান্ডগুলি ভাল রিটার্ন দিতে সক্ষম হয়।

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মানি মার্কেট ফান্ড কিভাবে কাজ করে?

একটি অর্থ বাজার তহবিল একটি উদ্দেশ্য নিয়ে অর্থ বাজারের উপকরণগুলিতে বিনিয়োগ করেনিবেদন ভাল আয় (সুদআয়) এবং রাখানা ওঠানামা ন্যূনতম।

মানি মার্কেট ইনস্ট্রুমেন্টের প্রকারভেদ

মানি মার্কেট হল একটি বিনিময় যেখানে নগদ এবং নগদ-সমতুল্য উপকরণের বাণিজ্য হয়। অর্থের বাজারে ব্যবসা করা হয় এমন যন্ত্রগুলির মেয়াদ আছে যা রাতারাতি থেকে এক বছরের মধ্যে পরিবর্তিত হতে পারে। এখানে ভারতের কিছু মূল অর্থ বাজারের উপকরণ রয়েছে:

1. ট্রেজারি বিল বা টি-বিল

ভারত সরকার 365 দিন পর্যন্ত তহবিল সংগ্রহের জন্য ট্রেজারি বিল জারি করে। যেহেতু এগুলি সরকার দ্বারা জারি করা হয়, তাই এগুলিকে খুব নিরাপদ বলে মনে করা হয়। যাইহোক, কম ঝুঁকিও কম রিটার্নে অনুবাদ করে যা ট্রেজারি বিলের ক্ষেত্রেও হয়। টি-বিলের আয় অন্যান্য অর্থ বাজারের উপকরণের তুলনায় কম।

2. জমা বা সিডি সার্টিফিকেট

একটি সিডি হল একটি মেয়াদী আমানত যা নির্ধারিত বাণিজ্যিক ব্যাঙ্কগুলি দ্বারা অফার করা হয় যার অকাল রিডেম্পশনের বিকল্প নেই৷ একটি সিডি এবং মধ্যে প্রাথমিক পার্থক্যFD যে সিডি অবাধে আলোচনা সাপেক্ষে হয়.

3. পুনঃক্রয় চুক্তি বা Repos

স্বল্পমেয়াদী ঋণের সুবিধার্থে একটি ব্যাঙ্ক এবং আরবিআইয়ের মধ্যে একটি পুনঃক্রয় চুক্তি করা হয়। এটি দুটি ব্যাংকের মধ্যেও করা যেতে পারে।

4. বাণিজ্যিক কাগজ বা CP

উচ্চ ক্রেডিট রেটিং সহ কোম্পানি এবং আর্থিক প্রতিষ্ঠানগুলি একটি ইস্যু করতে পারেবাণিজ্যিক কাগজ যা একটি স্বল্পমেয়াদী, অনিরাপদ প্রতিশ্রুতি নোট। এটি এই জাতীয় সংস্থাগুলিকে তাদের স্বল্পমেয়াদী ঋণের উত্সগুলিকে বৈচিত্র্যময় করার অনুমতি দেয়৷ CPs সাধারণত ছাড়ের হারে জারি করা হয় যখন রিডেম্পশন চালু থাকেপরিচিতি. দ্যবিনিয়োগকারী পার্থক্য অর্জন করে।

শীর্ষ 8 মানি মার্কেট মিউচুয়াল ফান্ড 2022

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth	₹355.041 ↑ 0.08	₹24,928	0.6	1.8	3.7	7.7	7.4	7.37%	4M 10D	4M 10D
Nippon India Money Market Fund Growth	₹3,981.32 ↑ 0.79	₹17,424	0.6	1.8	3.7	7.7	7.4	7.44%	5M 10D	5M 22D
UTI Money Market Fund Growth	₹2,957.57 ↑ 0.57	₹16,372	0.6	1.8	3.7	7.7	7.4	7.34%	4M 11D	4M 12D
ICICI Prudential Money Market Fund Growth	₹364.025 ↑ 0.08	₹26,632	0.6	1.8	3.7	7.7	7.4	7.27%	3M 11D	3M 19D
Tata Money Market Fund Growth	₹4,529.79 ↑ 0.94	₹26,863	0.6	1.8	3.7	7.7	7.4	7.3%	3M 23D	3M 23D
Kotak Money Market Scheme Growth	₹4,308.86 ↑ 0.85	₹29,774	0.6	1.8	3.7	7.7	7.3	7.34%	4M 10D	4M 13D
HDFC Money Market Fund Growth	₹5,484.67 ↑ 1.02	₹26,788	0.6	1.8	3.6	7.7	7.3	7.3%	3M 21D	4M
Franklin India Savings Fund Growth	₹48.1134 ↑ 0.01	₹2,706	0.6	1.8	3.7	7.6	7.3	7.44%	4M 20D	5M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24

1. 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.

Aditya Birla Sun Life Money Manager Fund is a Debt - Money Market fund was launched on 13 Oct 05. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 7 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.8% and 2021 was 3.8% .

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 (20 Dec 24)	₹355.041 ↑ 0.08 (0.02 %)
Net Assets (Cr)	₹24,928 on 15 Dec 24
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	3.43
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	4 Months 10 Days
Modified Duration	4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,679
30 Nov 21	₹11,087
30 Nov 22	₹11,593
30 Nov 23	₹12,455
30 Nov 24	₹13,418

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 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.6%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	9.2%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	13.39 Yr.
Anuj Jain	22 Mar 21	3.7 Yr.
Mohit Sharma	1 Apr 17	7.67 Yr.
Dhaval Joshi	21 Nov 22	2.03 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	93.64%
Debt	6.12%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.3%
Corporate	27.97%
Government	4.49%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 13032025 Sovereign Bonds \| -	2%	₹637 Cr	65,000,000
364 DTB 13022025 Sovereign Bonds \| -	2%	₹492 Cr	50,000,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	2%	₹469 Cr	47,000,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	2%	₹466 Cr	46,500,000
364 DTB 26122024 Sovereign Bonds \| -	1%	₹248 Cr	25,000,000
07.26 KA Sgs 2025 Sovereign Bonds \| -	1%	₹205 Cr	20,500,000
364 DTB 12122024 Sovereign Bonds \| -	1%	₹194 Cr	19,500,000
364 DTB 02052024 Sovereign Bonds \| -	1%	₹179 Cr	18,070,920
08.08 HR Sdl 2025 Sovereign Bonds \| -	0%	₹115 Cr	11,500,000
08.05 GJ Sdl 2025 Sovereign Bonds \| -	0%	₹105 Cr	10,500,000

2. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 27 in Money Market category. Return for 2023 was 7.4% , 2022 was 5% and 2021 was 3.8% .

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (20 Dec 24)	₹3,981.32 ↑ 0.79 (0.02 %)
Net Assets (Cr)	₹17,424 on 30 Nov 24
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.37
Sharpe Ratio	3.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	5 Months 22 Days
Modified Duration	5 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,612
30 Nov 21	₹11,012
30 Nov 22	₹11,530
30 Nov 23	₹12,381
30 Nov 24	₹13,336

Nippon India Money Market 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 Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.7%
5 Year	5.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	5%
2021	3.8%
2020	6%
2019	8.1%
2018	7.9%
2017	6.6%
2016	7.6%
2015	8.3%
2014	9.1%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	6.38 Yr.
Vikash Agarwal	14 Sep 24	0.21 Yr.

Data below for Nippon India Money Market Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	90.93%
Debt	8.84%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	58.64%
Corporate	32.16%
Government	8.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 08052025 Sovereign Bonds \| -	2%	₹292 Cr	30,000,000 ↑ 30,000,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	2%	₹276 Cr	27,500,000
08.10 JH Sdl 2025 Sovereign Bonds \| -	1%	₹251 Cr	25,000,000
182 DTB 27022025 Sovereign Bonds \| -	1%	₹246 Cr	25,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	1%	₹148 Cr	15,000,000 ↓ -6,500,000
182 DTB 18102024 Sovereign Bonds \| -	1%	₹148 Cr	15,000,000
India (Republic of) - \| -	1%	₹147 Cr	15,000,000
364 DTB 13022025 Sovereign Bonds \| -	1%	₹109 Cr	11,000,000
08.06 AP Sdl 2025 Sovereign Bonds \| -	1%	₹100 Cr	10,000,000
08.09 Ts SDL 2025 Sovereign Bonds \| -	1%	₹100 Cr	10,000,000

3. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 23 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.9% and 2021 was 3.7% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (20 Dec 24)	₹2,957.57 ↑ 0.57 (0.02 %)
Net Assets (Cr)	₹16,372 on 30 Nov 24
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	3.48
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	4 Months 12 Days
Modified Duration	4 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,618
30 Nov 21	₹11,014
30 Nov 22	₹11,524
30 Nov 23	₹12,381
30 Nov 24	₹13,335

UTI Money Market 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 UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.6%
5 Year	5.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%
2015	8.4%
2014	9.1%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3 Yr.
Amit Sharma	7 Jul 17	7.41 Yr.

Data below for UTI Money Market Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	91.75%
Debt	8.02%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.65%
Corporate	19.3%
Government	6.83%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	6%	₹1,018 Cr	10,350,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	2%	₹296 Cr	3,000,000,000
Cd - Union Bank Of India - 02/04/25 Debentures \| -	1%	₹195 Cr	2,000,000,000 ↑ 2,000,000,000
08.09 Ts SDL 2025 Sovereign Bonds \| -	1%	₹135 Cr	1,350,000,000
7.52% GJ Sdl 08/03/2025 Sovereign Bonds \| -	1%	₹100 Cr	1,000,000,000
08.08 CG Sdl 2025 Sovereign Bonds \| -	1%	₹100 Cr	1,000,000,000
08.09 Uk SDL 2025 Sovereign Bonds \| -	0%	₹50 Cr	500,000,000
182 DTB 12122024 Sovereign Bonds \| -	0%	₹50 Cr	500,000,000
0% GOI - 12122024 STRIPS Sovereign Bonds \| -	0%	₹50 Cr	500,000,000
08.07 GJ Sdl 2025 Sovereign Bonds \| -	0%	₹45 Cr	450,000,000

4. ICICI Prudential Money Market Fund

The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

ICICI Prudential Money Market Fund is a Debt - Money Market fund was launched on 9 Mar 06. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 17 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.7% and 2021 was 3.7% .

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (20 Dec 24)	₹364.025 ↑ 0.08 (0.02 %)
Net Assets (Cr)	₹26,632 on 15 Dec 24
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	3.16
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	3 Months 19 Days
Modified Duration	3 Months 11 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,636
30 Nov 21	₹11,028
30 Nov 22	₹11,517
30 Nov 23	₹12,364
30 Nov 24	₹13,318

ICICI Prudential Money Market 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 ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.6%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.7%
2021	3.7%
2020	6.2%
2019	7.9%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.3%
2014	9.1%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	1.47 Yr.
Nikhil Kabra	3 Aug 16	8.33 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	89.38%
Debt	10.42%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	72.22%
Corporate	16.89%
Government	10.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 06032025 Sovereign Bonds \| -	3%	₹932 Cr	95,000,000
India (Republic of) - \| -	1%	₹391 Cr	40,000,000
182 DTB 13032025 Sovereign Bonds \| -	1%	₹367 Cr	37,500,000
182 Day T-Bill 19.12.24 Sovereign Bonds \| -	1%	₹323 Cr	32,500,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	1%	₹246 Cr	25,000,000
364 DTB Sovereign Bonds \| -	1%	₹246 Cr	25,000,000
364 DTB 13032025 Sovereign Bonds \| -	1%	₹220 Cr	22,500,000
182 DTB 26122024 Sovereign Bonds \| -	1%	₹174 Cr	17,500,000
364 DTB 09012025 Sovereign Bonds \| -	1%	₹154 Cr	15,500,000
08.08 Ts SDL 2025 Sovereign Bonds \| -	1%	₹151 Cr	15,000,000

5. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Tata Money Market Fund is a Debt - Money Market fund was launched on 22 May 03. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 30 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.8% and 2021 was 3.9% .

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (20 Dec 24)	₹4,529.79 ↑ 0.94 (0.02 %)
Net Assets (Cr)	₹26,863 on 15 Dec 24
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	3.29
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.3%
Effective Maturity	3 Months 23 Days
Modified Duration	3 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,650
30 Nov 21	₹11,065
30 Nov 22	₹11,563
30 Nov 23	₹12,417
30 Nov 24	₹13,373

Tata Money Market 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 Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.6%
5 Year	6%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.8%
2021	3.9%
2020	6.4%
2019	8.1%
2018	-0.1%
2017	6.7%
2016	7.6%
2015	8.3%
2014	9%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.13 Yr.

Data below for Tata Money Market Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	82.49%
Debt	17.3%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	59.22%
Corporate	26.81%
Government	13.77%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	3%	₹736 Cr	75,000,000
Axis Bank Ltd. Debentures \| -	3%	₹723 Cr	15,000 ↑ 15,000
06.03 RJ Sdl 2025 Sovereign Bonds \| -	2%	₹639 Cr	64,000,000 ↑ 64,000,000
182 DTB 13032025 Sovereign Bonds \| -	2%	₹549 Cr	56,000,000
182 DTB 20022025 Sovereign Bonds \| -	2%	₹442 Cr	45,000,000 ↓ -2,500,000
182 DTB 01052025 Sovereign Bonds \| -	2%	₹437 Cr	45,000,000 ↑ 45,000,000
182 DTB 10042025 Sovereign Bonds \| -	1%	₹302 Cr	31,000,000
182 DTB 06022025 Sovereign Bonds \| -	1%	₹242 Cr	24,500,000 ↓ -20,500,000
Axis Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000
182 DTB 30012025 Sovereign Bonds \| -	1%	₹207 Cr	21,000,000 ↓ -10,000,000

6. Kotak Money Market Scheme

(Erstwhile Kotak Floater Short Term Fund)

To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives.

Kotak Money Market Scheme is a Debt - Money Market fund was launched on 14 Jul 03. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 19 in Money Market category. Return for 2023 was 7.3% , 2022 was 4.9% and 2021 was 3.7% .

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (20 Dec 24)	₹4,308.86 ↑ 0.85 (0.02 %)
Net Assets (Cr)	₹29,774 on 30 Nov 24
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	4 Months 13 Days
Modified Duration	4 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,579
30 Nov 21	₹10,966
30 Nov 22	₹11,468
30 Nov 23	₹12,308
30 Nov 24	₹13,254

Kotak Money Market Scheme 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 Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.6%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.9%
2021	3.7%
2020	5.7%
2019	8%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.4%
2014	9.1%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	18.1 Yr.
Manu Sharma	1 Nov 22	2.08 Yr.

Data below for Kotak Money Market Scheme as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	86.67%
Debt	13.14%
Other	0.18%

Debt Sector Allocation

Sector	Value
Cash Equivalent	62.26%
Corporate	25.33%
Government	12.23%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 01052025 Sovereign Bonds \| -	2%	₹510 Cr	52,500,000 ↑ 52,500,000
182 DTB 18102024 Sovereign Bonds \| -	2%	₹490 Cr	50,000,000
182 DTB 15052025 Sovereign Bonds \| -	2%	₹484 Cr	50,000,000 ↑ 50,000,000
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	1%	₹370 Cr	37,500,000 ↓ -2,500,000
5.22% Govt Stock 2025 Sovereign Bonds \| -	1%	₹347 Cr	35,000,000
182 DTB 27022025 Sovereign Bonds \| -	1%	₹295 Cr	30,000,000
Axis Bank Ltd. Debentures \| -	1%	₹279 Cr	30,000 ↑ 30,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	1%	₹250 Cr	25,000,000
182 DTB 06022025 Sovereign Bonds \| -	1%	₹222 Cr	22,500,000 ↓ -27,500,000
08.29 MH Sdl 2025 Sovereign Bonds \| -	1%	₹210 Cr	20,788,100

7. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

HDFC Money Market Fund is a Debt - Money Market fund was launched on 18 Nov 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 41 in Money Market category. Return for 2023 was 7.3% , 2022 was 4.7% and 2021 was 3.8% .

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (20 Dec 24)	₹5,484.67 ↑ 1.02 (0.02 %)
Net Assets (Cr)	₹26,788 on 30 Nov 24
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.41
Sharpe Ratio	2.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.3%
Effective Maturity	4 Months
Modified Duration	3 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,669
30 Nov 21	₹11,069
30 Nov 22	₹11,561
30 Nov 23	₹12,404
30 Nov 24	₹13,351

HDFC Money Market 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 HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.7%
3 Year	6.5%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.7%
2021	3.8%
2020	6.5%
2019	8.1%
2018	7.4%
2017	6.5%
2016	7.5%
2015	8.3%
2014	9.1%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	0.25 Yr.
Dhruv Muchhal	22 Jun 23	1.45 Yr.

Data below for HDFC Money Market Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	92.71%
Debt	7.07%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	69.8%
Corporate	24.44%
Government	5.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 13032025 Sovereign Bonds \| -	2%	₹539 Cr	55,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹374 Cr	8,000 ↑ 8,000
91 DTB 28112024 Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
08.10 Up SDL 2025 Sovereign Bonds \| -	1%	₹241 Cr	24,000,000
08.09 AP Sdl 2025 Sovereign Bonds \| -	1%	₹216 Cr	21,500,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	1%	₹200 Cr	20,000,000
182 DTB 26122024 Sovereign Bonds \| -	1%	₹199 Cr	20,000,000
91 DTB 03012025 Sovereign Bonds \| -	1%	₹198 Cr	20,000,000
91 DTB 09012025 Sovereign Bonds \| -	1%	₹198 Cr	20,000,000
08.06 AP Sdl 2025 Sovereign Bonds \| -	1%	₹151 Cr	15,000,000

8. Franklin India Savings Fund

(Erstwhile Franklin India Savings Plus Fund Retail Option)

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Franklin India Savings Fund is a Debt - Money Market fund was launched on 11 Feb 02. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 47 in Money Market category. Return for 2023 was 7.3% , 2022 was 4.4% and 2021 was 3.6% .

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (20 Dec 24)	₹48.1134 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹2,706 on 30 Nov 24
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.27
Sharpe Ratio	2.91
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	5 Months 1 Day
Modified Duration	4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,614
30 Nov 21	₹10,993
30 Nov 22	₹11,447
30 Nov 23	₹12,278
30 Nov 24	₹13,212

Franklin India Savings 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 Franklin India 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 20 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.6%
3 Year	6.4%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.4%
2021	3.6%
2020	6%
2019	8.5%
2018	7.5%
2017	7.2%
2016	8.1%
2015	8.3%
2014	8.9%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	1.16 Yr.
Rohan Maru	10 Oct 24	0.14 Yr.
Chandni Gupta	30 Apr 24	0.59 Yr.

Data below for Franklin India Savings Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	83.05%
Debt	16.78%
Other	0.17%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.7%
Corporate	29.63%
Government	14.5%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 31072025 Sovereign Bonds \| -	4%	₹96 Cr	10,000,000
364 DTB 30-Oct-2025 Sovereign Bonds \| -	4%	₹94 Cr	10,000,000 ↑ 10,000,000
364 DTB 28082025 Sovereign Bonds \| -	3%	₹68 Cr	7,151,200
Axis Bank Ltd. Debentures \| -	2%	₹56 Cr	1,200 ↑ 1,200
5.22% Govt Stock 2025 Sovereign Bonds \| -	2%	₹51 Cr	5,000,000
364 DTB 23-Oct-2025 Sovereign Bonds \| -	2%	₹47 Cr	5,000,000 ↑ 5,000,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹4 Cr	3,966
Call, Cash & Other Assets CBLO \| -	7%	₹170 Cr
Canara Bank Certificate of Deposit \| -	5%	₹122 Cr	2,500 ↑ 2,500
HDFC Bank Limited Certificate of Deposit \| -	5%	₹118 Cr	2,500 ↑ 2,500

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