Table of Contents
1 বছরের বিনিয়োগ 2022-এর জন্য 9টি সেরা SIP প্ল্যান
সেরা SIP পরিকল্পনা? কিভাবে তাদের নির্বাচন করতে? এগুলি এমন কিছু সাধারণ প্রশ্ন যা চিন্তা করার সময় বিনিয়োগকারীদের মনে আসেমিউচুয়াল ফান্ডে বিনিয়োগ একটি মাধ্যমেচুমুক বা পদ্ধতিগতবিনিয়োগ পরিকল্পনা.
এসআইপি বিনিয়োগ সবচেয়ে সুশৃঙ্খল একবিনিয়োগ বিনিয়োগ করার সময় বিকল্পযৌথ পুঁজি. অধিকন্তু, একটি SIP মিউচুয়াল ফান্ডে বিনিয়োগের ন্যূনতম পরিমাণ INR 500-এর মতো কম। এতে বিনিয়োগ করা হয়শীর্ষ SIP অনেক সুবিধাজনক পরিকল্পনা.
কেন একটি এসআইপি বিনিয়োগ?
মিউচুয়াল ফান্ডে SIP বিনিয়োগ হল সঞ্চয়ের অভ্যাস গড়ে তোলার সবচেয়ে সুবিধাজনক উপায়। খুব প্রায়ই উপার্জনকারী তরুণ প্রজন্মের মানুষ অনেক সঞ্চয় না. একটি সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যানের জন্য একজনকে প্রচুর পরিমাণে বিনিয়োগের প্রয়োজন হয় না কারণ শুরুর পরিমাণ 500 টাকার মতো, এবং কিছু তহবিল এমনকি INR 100 মাসে SIP অফার করে। অল্প বয়স থেকেই, কেউ তাদের সঞ্চয়কে বিনিয়োগের একটি ফর্ম হিসাবে তৈরি করার অভ্যাস করতে পারে। SIP, এর ফলে প্রতি মাসে একটি নির্দিষ্ট পরিমাণ সংরক্ষণ করা হবে। পদ্ধতিগত বিনিয়োগ পরিকল্পনা তাই স্মার্ট বিনিয়োগের অন্যতম গুরুত্বপূর্ণ হাতিয়ার।
এসআইপি আপনাকে আপনার জন্য প্রস্তুত করতে সহায়তা করেআর্থিক লক্ষ্য ঝামেলামুক্ত পদ্ধতিতে। একটি এসআইপি থাকা অত্যন্ত সুবিধাজনক কারণ মিউচুয়াল ফান্ডগুলির কাগজপত্র শুধুমাত্র একবার করা প্রয়োজন যার পরে মাসিক পরিমাণগুলি থেকে ডেবিট করা হয়ব্যাংক হস্তক্ষেপ ছাড়াই সরাসরি অ্যাকাউন্ট। ফলস্বরূপ, SIP-এর জন্য অন্যান্য বিনিয়োগ এবং সঞ্চয় বিকল্পগুলির জন্য প্রয়োজনীয় প্রচেষ্টার প্রয়োজন হয় না।
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22 - 23 অর্থবছরে 1 বছরের বিনিয়োগের জন্য সেরা SIP পরিকল্পনা৷
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹526.161
↑ 0.14 ₹15,890 1,000 2 3.8 7.8 6.6 7.2 7.61% 5M 8D 7M 17D ICICI Prudential Ultra Short Term Fund Growth ₹26.6237
↑ 0.00 ₹13,935 1,000 1.8 3.5 7.5 6.3 6.9 7.6% 4M 28D 5M 16D BOI AXA Liquid Fund Growth ₹2,899.44
↑ 0.56 ₹1,657 1,000 1.7 3.6 7.4 6.4 7 7.05% 1M 24D 1M 24D Invesco India Ultra Short Term Fund Growth ₹2,593.41
↑ 0.43 ₹1,764 1,000 1.7 3.4 7.4 6 6.6 7.37% 5M 1D 5M 13D LIC MF Liquid Fund Growth ₹4,553.53
↑ 0.84 ₹10,650 1,000 1.7 3.5 7.4 6.3 7 7.02% 1M 6D 1M 6D ICICI Prudential Liquid Fund Growth ₹372.724
↑ 0.07 ₹56,002 99 1.7 3.5 7.4 6.3 7 7.08% 1M 6D 1M 9D Indiabulls Liquid Fund Growth ₹2,433.91
↑ 0.39 ₹147 500 1.7 3.5 7.4 6.2 6.8 7.1% 23D 23D Mirae Asset Cash Management Fund Growth ₹2,640.15
↑ 0.47 ₹15,673 1,000 1.7 3.5 7.4 6.4 7 7% 1M 10D 1M 11D Nippon India Liquid Fund Growth ₹6,144.23
↑ 1.09 ₹32,108 100 1.7 3.5 7.3 6.3 7 7.19% 1M 20D 1M 25D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24
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. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Regular Income Fund) The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on (Erstwhile Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Returns up to 1 year are on An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a Below is the key information for LIC MF Liquid Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Liquid Plan) 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 Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on The investment objective of the scheme
is to generate consistent returns with a
high level of liquidity in a judicious
portfolio mix comprising of money
market and debt instruments. The
Scheme does not guarantee any
returns. Mirae Asset Cash Management Fund is a Debt - Liquid Fund fund was launched on 12 Jan 09. It is a fund with Low risk and has given a Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury Plan) 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 Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (20 Dec 24) ₹526.161 ↑ 0.14 (0.03 %) Net Assets (Cr) ₹15,890 on 15 Dec 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.61% Effective Maturity 7 Months 17 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,719 30 Nov 21 ₹11,139 30 Nov 22 ₹11,639 30 Nov 23 ₹12,472 30 Nov 24 ₹13,436 Returns for Aditya Birla Sun Life Savings Fund
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 2% 6 Month 3.8% 1 Year 7.8% 3 Year 6.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 9.7% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 10.46 Yr. Kaustubh Gupta 15 Jul 11 13.39 Yr. Monika Gandhi 22 Mar 21 3.7 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 44.4% Debt 55.34% Other 0.25% Debt Sector Allocation
Sector Value Corporate 53.84% Cash Equivalent 39.09% Government 6.82% Credit Quality
Rating Value AA 35.54% AAA 64.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -5% ₹821 Cr 82,000 Aditya BSL Liquid Dir Gr
Investment Fund | -5% ₹751 Cr 18,413,893
↑ 18,413,893 Shriram Finance Company Limited
Debentures | -4% ₹602 Cr 60,000 Nirma Limited
Debentures | -3% ₹487 Cr 48,500
↓ -1,500 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹360 Cr 36,000 Rural Electrification Corporation Limited
Debentures | -2% ₹326 Cr 32,500 Bharti Telecom Limited
Debentures | -2% ₹325 Cr 3,250 7.3% Govt Stock 2028
Sovereign Bonds | -2% ₹317 Cr 31,500,000 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹301 Cr 30,000 2. ICICI Prudential Ultra Short Term Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (20 Dec 24) ₹26.6237 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹13,935 on 15 Dec 24 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.92 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Yield to Maturity 7.6% Effective Maturity 5 Months 16 Days Modified Duration 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,677 30 Nov 21 ₹11,105 30 Nov 22 ₹11,583 30 Nov 23 ₹12,385 30 Nov 24 ₹13,303 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.5% 1 Year 7.5% 3 Year 6.3% 5 Year 5.9% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.9% 2022 4.5% 2021 4% 2020 6.5% 2019 8.4% 2018 7.5% 2017 6.9% 2016 9.8% 2015 9.1% 2014 14.8% Fund Manager information for ICICI Prudential Ultra Short Term Fund
Name Since Tenure Manish Banthia 15 Nov 16 8.05 Yr. Ritesh Lunawat 15 Jun 17 7.47 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 59.36% Debt 40.4% Other 0.24% Debt Sector Allocation
Sector Value Corporate 49.72% Cash Equivalent 40.03% Government 9.31% Securitized 0.71% Credit Quality
Rating Value AA 16.21% AAA 83.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -3% ₹394 Cr 40,000,000 364 DTB 13032025
Sovereign Bonds | -3% ₹392 Cr 40,000,000 LIC Housing Finance Limited
Debentures | -3% ₹385 Cr 3,850 Small Industries Development Bank Of India
Debentures | -3% ₹373 Cr 3,750 Bharti Telecom Limited
Debentures | -2% ₹326 Cr 32,500 India (Republic of)
- | -2% ₹298 Cr 30,000,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹298 Cr 3,000 Rural Electrification Corporation Limited
Debentures | -2% ₹235 Cr 2,350 LIC Housing Finance Limited
Debentures | -2% ₹225 Cr 2,250
↑ 2,250 Oberoi Realty Ltd.
Debentures | -1% ₹200 Cr 20,000 3. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (22 Dec 24) ₹2,899.44 ↑ 0.56 (0.02 %) Net Assets (Cr) ₹1,657 on 30 Nov 24 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 7.01 Information Ratio -1.21 Alpha Ratio 0.02 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.05% Effective Maturity 1 Month 24 Days Modified Duration 1 Month 24 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,429 30 Nov 21 ₹10,763 30 Nov 22 ₹11,262 30 Nov 23 ₹12,051 30 Nov 24 ₹12,951 Returns for BOI AXA Liquid Fund
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 1.7% 6 Month 3.6% 1 Year 7.4% 3 Year 6.4% 5 Year 5.3% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.29 Yr. Data below for BOI AXA Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 94.44% Government 5.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -6% ₹99 Cr 10,000,000
↑ 10,000,000 ICICI Bank Ltd.
Debentures | -6% ₹99 Cr 10,000,000 91 DTB 03012025
Sovereign Bonds | -4% ₹74 Cr 7,500,000 Small Industries Dev Bank Of India (10/01/2025) ** #
Net Current Assets | -4% ₹74 Cr 7,500,000 Hdfc Bank Limited (03/02/2025) ** #
Net Current Assets | -4% ₹72 Cr 7,300,000
↑ 7,300,000 08.07 GJ Sdl 2025
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↑ 5,000,000 State Bank Of India (12/12/2024) ** #
Net Current Assets | -3% ₹50 Cr 5,000,000 Reliance Jio Infocomm Limited (16/12/2024) **
Net Current Assets | -3% ₹50 Cr 5,000,000 Kotak Securities Limited (20/12/2024) **
Net Current Assets | -3% ₹50 Cr 5,000,000 Axis Bank Limited (26/12/2024) ** #
Certificate of Deposit | -3% ₹50 Cr 5,000,000
↑ 5,000,000 4. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (20 Dec 24) ₹2,593.41 ↑ 0.43 (0.02 %) Net Assets (Cr) ₹1,764 on 30 Nov 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.74 Sharpe Ratio 1.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 5 Months 13 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,524 30 Nov 21 ₹10,841 30 Nov 22 ₹11,255 30 Nov 23 ₹12,001 30 Nov 24 ₹12,891 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.4% 1 Year 7.4% 3 Year 6% 5 Year 5.2% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.6% 2022 4.1% 2021 3% 2020 5.1% 2019 7.6% 2018 7.3% 2017 7.1% 2016 9.1% 2015 8.3% 2014 10.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 4.91 Yr. Vikas Garg 27 Jul 21 3.35 Yr. Data below for Invesco India Ultra Short Term Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 56.12% Debt 43.73% Other 0.14% Debt Sector Allocation
Sector Value Corporate 46.51% Cash Equivalent 43.55% Government 9.79% Credit Quality
Rating Value AA 19.68% AAA 80.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -5% ₹84 Cr 8,500,000
↑ 7,500,000 Power Finance Corporation Ltd.
Debentures | -3% ₹50 Cr 5,000,000
↑ 2,500,000 91 DTB 03012025
Sovereign Bonds | -3% ₹50 Cr 5,000,000 TATA Steel Limited
Debentures | -3% ₹45 Cr 4,500,000 Larsen & Toubro Ltd. 7.58%
Debentures | -2% ₹35 Cr 3,500,000 Ongc Petro Additions Limited
Debentures | -2% ₹30 Cr 3,000,000 Export Import Bank Of India
Debentures | -2% ₹30 Cr 3,000,000 364 DTB
Sovereign Bonds | -2% ₹30 Cr 3,000,000 Bharti Telecom Limited
Debentures | -1% ₹25 Cr 2,500,000 Bharti Telecom Limited
Debentures | -1% ₹25 Cr 2,500,000
↑ 1,500,000 5. LIC MF Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% . LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (20 Dec 24) ₹4,553.53 ↑ 0.84 (0.02 %) Net Assets (Cr) ₹10,650 on 30 Nov 24 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.24 Sharpe Ratio 5.18 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,447 30 Nov 21 ₹10,782 30 Nov 22 ₹11,262 30 Nov 23 ₹12,039 30 Nov 24 ₹12,931 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.3% 5 Year 5.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 9.16 Yr. Data below for LIC MF Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.75% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 65.86% Corporate 32.02% Government 1.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -6% ₹660 Cr State Bank Of India
Certificate of Deposit | -4% ₹399 Cr 8,000
↑ 8,000 91 Days Tbill Red 27-02-2025
Sovereign Bonds | -4% ₹394 Cr 40,000,000
↑ 40,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹350 Cr 7,000
↑ 7,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹300 Cr 6,000
↑ 6,000 364 DTB 02052024
Sovereign Bonds | -3% ₹297 Cr 30,000,000 Birla Group Holdings Pvt Ltd.
Commercial Paper | -3% ₹295 Cr 6,000
↑ 6,000 Motilal Oswal Financial Services Ltd.
Commercial Paper | -3% ₹285 Cr 5,800
↑ 5,800 Export-Import Bank Of India
Commercial Paper | -2% ₹250 Cr 5,000
↑ 5,000 Bank Of Baroda
Certificate of Deposit | -2% ₹250 Cr 5,000
↑ 5,000 6. ICICI Prudential Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 20 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% . ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (20 Dec 24) ₹372.724 ↑ 0.07 (0.02 %) Net Assets (Cr) ₹56,002 on 15 Dec 24 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 4.94 Information Ratio -2.69 Alpha Ratio -0.07 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,447 30 Nov 21 ₹10,779 30 Nov 22 ₹11,261 30 Nov 23 ₹12,042 30 Nov 24 ₹12,931 Returns for ICICI Prudential Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.3% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.6% 2018 7.4% 2017 6.6% 2016 7.7% 2015 8.3% 2014 9.1% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 1 Yr. Darshil Dedhia 12 Jun 23 1.47 Yr. Data below for ICICI Prudential Liquid Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 73.97% Corporate 24.64% Government 1.21% Credit Quality
Rating Value AA 1.41% AAA 98.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -6% ₹3,184 Cr Treps
CBLO/Reverse Repo | -4% ₹2,409 Cr Punjab National Bank
Certificate of Deposit | -3% ₹2,012 Cr 40,500
↑ 40,500 91 DTB 09012025
Sovereign Bonds | -3% ₹1,476 Cr 149,013,200 Bank Of India
Certificate of Deposit | -2% ₹1,249 Cr 25,000
↑ 25,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹1,219 Cr 24,500
↑ 24,500 Cp Mankind Pharma Ltd
Commercial Paper | -2% ₹1,013 Cr 20,500
↑ 20,500 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹999 Cr 20,000
↑ 20,000 191 DTB 12/12/2024
Sovereign Bonds | -2% ₹996 Cr 100,000,000 State Bank Of India
Certificate of Deposit | -2% ₹992 Cr 20,000
↑ 20,000 7. Indiabulls Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2023 was 6.8% , 2022 was 4.6% and 2021 was 3.1% . Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (20 Dec 24) ₹2,433.91 ↑ 0.39 (0.02 %) Net Assets (Cr) ₹147 on 30 Nov 24 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.79 Information Ratio -3.66 Alpha Ratio -0.13 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.1% Effective Maturity 23 Days Modified Duration 23 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,407 30 Nov 21 ₹10,730 30 Nov 22 ₹11,193 30 Nov 23 ₹11,941 30 Nov 24 ₹12,820 Returns for Indiabulls Liquid Fund
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 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.2% 5 Year 5.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.8% 2022 4.6% 2021 3.1% 2020 3.9% 2019 6.6% 2018 7.3% 2017 6.7% 2016 7.8% 2015 8.5% 2014 9.1% Fund Manager information for Indiabulls Liquid Fund
Name Since Tenure Kaustubh Sule 11 May 23 1.56 Yr. Data below for Indiabulls Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.9% Other 0.1% Debt Sector Allocation
Sector Value Cash Equivalent 70.37% Corporate 29.07% Government 0.46% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bajaj Finance Limited
Commercial Paper | -9% ₹50 Cr 5,000,000
↑ 5,000,000 Export-Import Bank Of India
Commercial Paper | -9% ₹50 Cr 5,000,000
↑ 5,000,000 Small Industries Development Bank Of India
Certificate of Deposit | -9% ₹50 Cr 5,000,000
↑ 5,000,000 Canara Bank
Certificate of Deposit | -8% ₹43 Cr 4,400,000
↑ 4,400,000 91 Days Tbill
Sovereign Bonds | -7% ₹40 Cr 4,000,000 ICICI Bank Limited
Certificate of Deposit | -6% ₹34 Cr 3,450,000
↑ 3,450,000 Reverse Repo 18-Nov-24
CBLO/Reverse Repo | -6% ₹33 Cr Hero Fincorp Limited
Commercial Paper | -5% ₹25 Cr 2,500,000
↑ 2,500,000 Axis Bank Limited
Certificate of Deposit | -5% ₹25 Cr 2,500,000
↑ 2,500,000 HDFC Bank Limited
Certificate of Deposit | -5% ₹25 Cr 2,500,000
↑ 2,500,000 8. Mirae Asset Cash Management Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 48 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.3% . Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (20 Dec 24) ₹2,640.15 ↑ 0.47 (0.02 %) Net Assets (Cr) ₹15,673 on 30 Nov 24 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.15 Sharpe Ratio 4.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7% Effective Maturity 1 Month 11 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,438 30 Nov 21 ₹10,780 30 Nov 22 ₹11,270 30 Nov 23 ₹12,054 30 Nov 24 ₹12,943 Returns for Mirae Asset Cash Management Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.4% 3 Year 6.4% 5 Year 5.3% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.3% 2017 6.6% 2016 7.2% 2015 7.8% 2014 8.7% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Amit Modani 1 Nov 24 0.08 Yr. Abhishek Iyer 28 Dec 20 3.93 Yr. Data below for Mirae Asset Cash Management Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 99.79% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -6% ₹860 Cr Canara Bank
Certificate of Deposit | -3% ₹447 Cr 45,000,000
↑ 45,000,000 Punjab National Bank
Certificate of Deposit | -2% ₹348 Cr 35,000,000
↑ 35,000,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹298 Cr 30,000,000
↑ 30,000,000 Axis Bank Ltd.
Certificate of Deposit | -2% ₹296 Cr 30,000,000
↑ 30,000,000 91 DTB 13022025
Sovereign Bonds | -2% ₹295 Cr 30,000,000
↑ 30,000,000 Small Industries Development Bank Of India
Certificate of Deposit | -2% ₹271 Cr 27,500,000
↑ 27,500,000 91 DTB 05122024
Sovereign Bonds | -2% ₹234 Cr 23,500,000 364 DTB 21112024
Sovereign Bonds | -1% ₹225 Cr 22,500,000 182 DTB 18112024
Sovereign Bonds | -1% ₹225 Cr 22,500,000 9. Nippon India Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 11 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (20 Dec 24) ₹6,144.23 ↑ 1.09 (0.02 %) Net Assets (Cr) ₹32,108 on 30 Nov 24 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 4.23 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.19% Effective Maturity 1 Month 25 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,445 30 Nov 21 ₹10,776 30 Nov 22 ₹11,260 30 Nov 23 ₹12,038 30 Nov 24 ₹12,924 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.3% 3 Year 6.3% 5 Year 5.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% 2015 8.3% 2014 9.1% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Siddharth Deb 1 Mar 22 2.76 Yr. Kinjal Desai 25 May 18 6.53 Yr. Vikash Agarwal 14 Sep 24 0.21 Yr. Data below for Nippon India Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 65.89% Corporate 30.04% Government 3.85% Credit Quality
Rating Value AA 1.01% AAA 98.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity Punjab National Bank**
Net Current Assets | -7% ₹2,321 Cr 47,000
↑ 5,000 Reverse Repo
CBLO/Reverse Repo | -6% ₹2,020 Cr Idbi Bank Limited**
Net Current Assets | -3% ₹1,232 Cr 25,000
↑ 20,000 Sikka Ports And Terminals Limited**
Net Current Assets | -3% ₹1,192 Cr 24,000
↑ 9,000 Icici Securities Limited**
Net Current Assets | -3% ₹1,133 Cr 22,800
↓ -1,000 Axis Bank Limited**
Net Current Assets | -3% ₹1,116 Cr 22,500 Union Bank Of India**
Net Current Assets | -3% ₹1,092 Cr 22,000 Export Import Bank Of India**
Net Current Assets | -3% ₹1,068 Cr 21,500 Tata Steel Limited**
Net Current Assets | -3% ₹1,038 Cr 21,000
↑ 10,000 Canara Bank**
Net Current Assets | -3% ₹1,019 Cr 20,500
↓ -4,500
মিউচুয়াল ফান্ড এসআইপি অনলাইনে কীভাবে বিনিয়োগ করবেন?
Fincash.com এ আজীবনের জন্য বিনামূল্যে বিনিয়োগ অ্যাকাউন্ট খুলুন।
আপনার রেজিস্ট্রেশন এবং KYC প্রক্রিয়া সম্পূর্ণ করুন
নথি আপলোড করুন (প্যান, আধার, ইত্যাদি)।এবং, আপনি বিনিয়োগ করতে প্রস্তুত!
FAQs
1. SIP-এ মেয়াদকালের গুরুত্ব কী?
ক: আপনি যখন এসআইপি নির্বাচন করেন, আপনার প্রথম যে বিষয়টি বিবেচনা করা উচিত তা হল মেয়াদ। মেয়াদ পরীক্ষা করা এবং তারপর বিনিয়োগ করা একটি ভাল ধারণা কারণ মেয়াদ শেষ করার আগে আপনার বিনিয়োগ বন্ধ করা উচিত নয়। যদি আপনি তা করেন, তাহলে আপনাকে এক্সিট লোড আকারে জরিমানা দিতে হতে পারে।
2. এক বছরের এসআইপি কি ভাল?
ক: হ্যাঁ, এক বছরের এসআইপি ভালো, বিশেষ করে যদি আপনি দ্রুত রিটার্ন খুঁজছেন। সাধারণত, এক বছরের SIP-এর সাহায্যে, আপনি আপনার ফান্ড পোর্টফোলিওর উপর নির্ভর করে আপনার বিনিয়োগে 4.2% থেকে 6.2% পর্যন্ত ROI আশা করতে পারেন।
3. কেন আমি এক বছরের এসআইপিতে বিনিয়োগ করব?
ক: আপনি যদি মিউচুয়াল ফান্ড বিনিয়োগে নতুন হন এবং বিনিয়োগের পোর্টফোলিওতে বৈচিত্র্য আনার পরিকল্পনা করছেন তাহলে এক বছরের এসআইপিগুলি কার্যকর।
4. এক বছরের এসআইপি কি ভাল রিটার্ন দেয়?
ক: এক বছরের এসআইপিগুলি তরুণ বিনিয়োগকারীদের মধ্যে জনপ্রিয়তা অর্জন করছে কারণ এগুলি ভাল এবং দ্রুত রিটার্ন দেয়৷ আপনি যদি মিউচুয়াল ফান্ড বুঝতে চানবাজার, তাহলে এক বছরের এসআইপি একটি ভাল ধারণা।
5. সমস্ত SIP কি ভাল রিটার্ন দেয়?
ক: এসআইপি হল আপনার বিনিয়োগ পোর্টফোলিওকে বৈচিত্র্যময় করার সর্বোত্তম উপায়গুলির মধ্যে একটি এবং ভাল রিটার্ন দেওয়ার জন্য পরিচিত। এটি আপনাকে আপনি যে তহবিলগুলি বিনিয়োগ করতে চান এবং পরিমাণও চয়ন করতে দেয়৷ আপনি নিয়মিত বিরতিতে অল্প পরিমাণে বিনিয়োগ করার সুযোগ পাবেন।
6. সমস্ত এসআইপি কি লার্জ-ক্যাপ স্টক অন্তর্ভুক্ত করে?
ক: অনুযায়ীসেবি আদেশ, SIP বিনিয়োগকারীদের বিনিয়োগকারী এবং কোম্পানিগুলিকে রক্ষা করার জন্য 70:20:10 প্রোটোকল অনুসরণ করতে হবে। এই নিয়ম অনুসারে, ইক্যুইটি বিনিয়োগের 70% হবে বড়-ক্যাপ স্টকগুলিতে, 20%মিড-ক্যাপ স্টক, এবং 10% ইনছোট টুপি স্টক তাই এসআইপি বিনিয়োগকে বৈচিত্র্যময় করে, এবং সবগুলি শুধুমাত্র বড়-ক্যাপ স্টকগুলিতে কেন্দ্রীভূত হয় না।
7. SIP তে কি সর্বোচ্চ এবং সর্বনিম্ন পরিমাণ বিনিয়োগ করা যেতে পারে?
ক: আপনি SIP-এ বিনিয়োগ করতে পারেন এমন ন্যূনতম পরিমাণ টাকা হল 500 টাকা। যাইহোক, এসআইপিতে বিনিয়োগের কোন ঊর্ধ্বসীমা নেই। আপনি আপনার ফান্ড ম্যানেজারের সাথে এটি পরিকল্পনা করতে পারেন।
এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
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