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SIP में निवेश क्यों करें?
FY 22 - 23 . में 1 साल के निवेश के लिए सर्वश्रेष्ठ SIP योजनाएँ
म्यूचुअल फंड एसआईपी ऑनलाइन में निवेश कैसे करें?
पूछे जाने वाले प्रश्न
Top 9 Funds

1 साल के निवेश के लिए 9 सर्वश्रेष्ठ एसआईपी योजनाएं 2022

Updated on January 14, 2025 , 120318 views

सर्वश्रेष्ठ एसआईपी योजनाएं? उन्हें कैसे चुनें? ये कुछ सामान्य प्रश्न हैं जो सोचते समय निवेशकों के मन में उठते हैंम्यूचुअल फंड में निवेश किसी के जरिएसिप या व्यवस्थितनिवेश योजना.

एसआईपी निवेश सबसे अनुशासित में से एक हैनिवेश में निवेश करते समय विकल्पम्यूचुअल फंड्स. इसके अलावा, एक एसआईपी म्युचुअल फंड में निवेश की न्यूनतम राशि INR 500 जितनी कम है। यह निवेश करता हैशीर्ष एसआईपी बहुत सुविधाजनक योजनाएँ।

SIP में निवेश क्यों करें?

म्यूचुअल फंड में एसआईपी निवेश बचत की आदत डालने का सबसे सुविधाजनक तरीका है। अक्सर युवा पीढ़ी की कमाई करने वाले लोग ज्यादा बचत नहीं करते हैं। एक व्यवस्थित निवेश योजना के लिए किसी को भारी मात्रा में निवेश की आवश्यकता नहीं है क्योंकि शुरुआती राशि 500 रुपये जितनी कम है, और कुछ फंड मासिक रूप से 100 रुपये के लिए एसआईपी भी प्रदान करते हैं। कम उम्र से ही व्यक्ति अपनी बचत को निवेश के रूप में बनाने की आदत डाल सकता है। एसआईपी, इस प्रकार प्रत्येक महीने के दौरान बचाई जाने वाली एक निश्चित राशि को अलग रखता है। इसलिए व्यवस्थित निवेश योजनाएँ स्मार्ट निवेश के सबसे महत्वपूर्ण साधनों में से एक हैं।

SIP की मदद से आप अपनी तैयारी कर सकते हैंवित्तीय लक्ष्यों परेशानी मुक्त तरीके से। एसआईपी करना बेहद सुविधाजनक है क्योंकि म्युचुअल फंड को केवल एक बार कागजी कार्रवाई करने की आवश्यकता होती है जिसके बाद मासिक राशि बैंक से डेबिट हो जाती है।बैंक बिना किसी हस्तक्षेप के सीधे खाता। नतीजतन, एसआईपी को अन्य निवेशों और बचत विकल्पों के लिए आवश्यक प्रयासों की आवश्यकता नहीं होती है।

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FY 22 - 23 . में 1 साल के निवेश के लिए सर्वश्रेष्ठ SIP योजनाएँ

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	₹528.747 ↑ 0.14	₹15,890	1,000	1.8	3.8	7.8	6.6	7.9	7.61%	5M 8D	7M 17D
BOI AXA Liquid Fund Growth	₹2,913.75 ↑ 0.69	₹1,657	1,000	1.8	3.6	7.4	6.5	7.4	7.05%	1M 24D	1M 24D
ICICI Prudential Ultra Short Term Fund Growth	₹26.7517 ↑ 0.01	₹13,935	1,000	1.7	3.5	7.4	6.3	7.5	7.6%	4M 28D	5M 16D
Invesco India Ultra Short Term Fund Growth	₹2,605.9 ↑ 0.67	₹1,764	1,000	1.7	3.4	7.4	6.1	7.5	7.37%	5M 1D	5M 13D
LIC MF Liquid Fund Growth	₹4,577.12 ↑ 1.00	₹10,650	1,000	1.7	3.5	7.4	6.4	7.4	7.02%	1M 6D	1M 6D
Indiabulls Liquid Fund Growth	₹2,446.7 ↑ 0.57	₹147	500	1.7	3.5	7.3	6.3	7.4	7.1%	23D	23D
ICICI Prudential Liquid Fund Growth	₹374.676 ↑ 0.08	₹56,002	99	1.7	3.5	7.3	6.4	7.4	7.08%	1M 6D	1M 9D
Mirae Asset Cash Management Fund Growth	₹2,654.13 ↑ 0.58	₹15,673	1,000	1.7	3.5	7.3	6.4	7.3	7%	1M 10D	1M 11D
Nippon India Liquid Fund Growth	₹6,176.41 ↑ 1.33	₹32,108	100	1.7	3.5	7.3	6.4	7.3	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 16 Jan 25

1. 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.

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 CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 (16 Jan 25)	₹528.747 ↑ 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
31 Dec 19	₹10,000
31 Dec 20	₹10,702
31 Dec 21	₹11,119
31 Dec 22	₹11,648
31 Dec 23	₹12,483
31 Dec 24	₹13,463

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 16 Jan 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
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	7.9%
2022	7.2%
2021	4.8%
2020	3.9%
2019	7%
2018	8.5%
2017	7.6%
2016	7.2%
2015	9.2%
2014	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	10.54 Yr.
Kaustubh Gupta	15 Jul 11	13.48 Yr.
Monika Gandhi	22 Mar 21	3.78 Yr.

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

Asset Allocation

Asset Class	Value
Cash	42.53%
Debt	57.22%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	56.9%
Cash Equivalent	37.01%
Government	5.84%

Credit Quality

Rating	Value
AA	31.99%
AAA	68.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	5%	₹820 Cr	82,000
Shriram Finance Company Limited Debentures \| -	4%	₹603 Cr	60,000
Cd - Union Bank Of India - 02/04/25 Debentures \| -	3%	₹489 Cr	10,000
Nirma Limited Debentures \| -	3%	₹487 Cr	48,500
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%	₹325 Cr	32,500
7.3% Govt Stock 2028 Sovereign Bonds \| -	2%	₹316 Cr	31,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹299 Cr	30,000

2. BOI AXA Liquid Fund

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 CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund Growth
Launch Date	16 Jul 08
NAV (16 Jan 25)	₹2,913.75 ↑ 0.69 (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
31 Dec 19	₹10,000
31 Dec 20	₹10,411
31 Dec 21	₹10,751
31 Dec 22	₹11,280
31 Dec 23	₹12,075
31 Dec 24	₹12,973

BOI AXA 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 BOI AXA 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 16 Jan 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.5%
5 Year	5.4%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.9%
2020	3.3%
2019	4.1%
2018	6.4%
2017	7.4%
2016	6.7%
2015	7.6%
2014	8.3%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.38 Yr.

Data below for BOI AXA Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.78%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.91%
Corporate	23.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Limited Certificate of Deposit \| -	6%	₹99 Cr	10,000,000
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	6%	₹99 Cr	10,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) Certificate of Deposit \| -	6%	₹98 Cr	10,000,000 ↑ 10,000,000
91 Days Tbill Red 27-02-2025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000
Canara Bank Certificate of Deposit \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
HDFC Bank Limited Certificate of Deposit \| -	4%	₹72 Cr	7,300,000
Kotak Securities Ltd. Commercial Paper \| -	3%	₹50 Cr	5,000,000
Aditya Birla Housing Finance Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
Axis Bank Limited Certificate of Deposit \| -	3%	₹50 Cr	5,000,000
Blue Star Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000

3. ICICI Prudential Ultra Short Term Fund

(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 CAGR/Annualized return of 7.4% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund Growth
Launch Date	3 May 11
NAV (16 Jan 25)	₹26.7517 ↑ 0.01 (0.03 %)
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
31 Dec 19	₹10,000
31 Dec 20	₹10,653
31 Dec 21	₹11,080
31 Dec 22	₹11,583
31 Dec 23	₹12,384
31 Dec 24	₹13,311

ICICI Prudential 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 ICICI Prudential 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 16 Jan 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.3%
5 Year	5.9%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.9%
2021	4.5%
2020	4%
2019	6.5%
2018	8.4%
2017	7.5%
2016	6.9%
2015	9.8%
2014	9.1%

Fund Manager information for ICICI Prudential Ultra Short Term Fund

Name	Since	Tenure
Manish Banthia	15 Nov 16	8.13 Yr.
Ritesh Lunawat	15 Jun 17	7.55 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	59.67%
Debt	40.08%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	47.18%
Cash Equivalent	44.28%
Government	7.56%
Securitized	0.73%

Credit Quality

Rating	Value
AA	15.12%
AAA	84.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Limited Debentures \| -	3%	₹435 Cr	4,350 ↑ 500
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹396 Cr	40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹394 Cr	40,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹374 Cr	3,750
Bharti Telecom Limited Debentures \| -	2%	₹327 Cr	32,500
India (Republic of) - \| -	2%	₹300 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
Power Finance Corporation Limited Debentures \| -	2%	₹224 Cr	2,250

4. Invesco India Ultra Short Term Fund

(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 CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund Growth
Launch Date	30 Dec 10
NAV (16 Jan 25)	₹2,605.9 ↑ 0.67 (0.03 %)
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
31 Dec 19	₹10,000
31 Dec 20	₹10,510
31 Dec 21	₹10,829
31 Dec 22	₹11,274
31 Dec 23	₹12,020
31 Dec 24	₹12,918

Invesco India 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 Invesco India 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 16 Jan 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.4%
1 Year	7.4%
3 Year	6.1%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.5%
2022	6.6%
2021	4.1%
2020	3%
2019	5.1%
2018	7.6%
2017	7.3%
2016	7.1%
2015	9.1%
2014	8.3%

Fund Manager information for Invesco India Ultra Short Term Fund

Name	Since	Tenure
Krishna Cheemalapati	4 Jan 20	5 Yr.
Vikas Garg	27 Jul 21	3.44 Yr.

Data below for Invesco India Ultra Short Term Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	57%
Debt	42.84%
Other	0.15%

Debt Sector Allocation

Sector	Value
Corporate	53.79%
Cash Equivalent	42.12%
Government	3.94%

Credit Quality

Rating	Value
AA	17.01%
AAA	82.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	6%	₹84 Cr	8,500,000
Power Finance Corporation Ltd. Debentures \| -	4%	₹50 Cr	5,000,000
Axis Bank Ltd. Debentures \| -	3%	₹48 Cr	5,000,000 ↑ 5,000,000
Larsen & Toubro Ltd. 7.58% Debentures \| -	3%	₹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 \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Realty And Infrastructure Limited Debentures \| -	2%	₹25 Cr	2,500,000

5. LIC MF Liquid Fund

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 CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.7% .

Below is the key information for LIC MF Liquid Fund

LIC MF Liquid Fund Growth
Launch Date	11 Mar 02
NAV (16 Jan 25)	₹4,577.12 ↑ 1.00 (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
31 Dec 19	₹10,000
31 Dec 20	₹10,428
31 Dec 21	₹10,767
31 Dec 22	₹11,277
31 Dec 23	₹12,061
31 Dec 24	₹12,951

LIC MF 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 LIC MF 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 16 Jan 25

Duration	Returns
1 Month	0.6%
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	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.7%
2020	3.3%
2019	4.3%
2018	6.5%
2017	7.3%
2016	6.6%
2015	7.6%
2014	8.4%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	9.25 Yr.

Data below for LIC MF Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	80.86%
Corporate	16.76%
Government	2.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivables / (Payables) Net Current Assets \| -	7%	-₹676 Cr
91 DTB 06032025 Sovereign Bonds \| -	5%	₹494 Cr	50,000,000
Export-Import Bank of India Commercial Paper \| -	5%	₹469 Cr	9,500
91 Days Tbill Red 27-02-2025 Sovereign Bonds \| -	4%	₹396 Cr	40,000,000
364 DTB 02052024 Sovereign Bonds \| -	3%	₹299 Cr	30,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹297 Cr	6,000
Birla Group Holdings Pvt Ltd. Commercial Paper \| -	3%	₹297 Cr	6,000
Bank Of Baroda Certificate of Deposit \| -	3%	₹296 Cr	6,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹296 Cr	6,000
Small Industries Development Bank Of India Commercial Paper \| -	3%	₹296 Cr	6,000

6. Indiabulls Liquid Fund

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 CAGR/Annualized return of 7% since its launch. Ranked 2 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% .

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund Growth
Launch Date	27 Oct 11
NAV (16 Jan 25)	₹2,446.7 ↑ 0.57 (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
31 Dec 19	₹10,000
31 Dec 20	₹10,387
31 Dec 21	₹10,712
31 Dec 22	₹11,205
31 Dec 23	₹11,962
31 Dec 24	₹12,842

Indiabulls 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 Indiabulls 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 16 Jan 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.3%
3 Year	6.3%
5 Year	5.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	6.8%
2021	4.6%
2020	3.1%
2019	3.9%
2018	6.6%
2017	7.3%
2016	6.7%
2015	7.8%
2014	8.5%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	1.65 Yr.

Data below for Indiabulls Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.64%
Other	0.36%

Debt Sector Allocation

Sector	Value
Cash Equivalent	74.75%
Corporate	24.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank - 25/02/2025 Certificate of Deposit \| -	10%	₹15 Cr	1,500,000 ↑ 1,500,000
Punjab National Bank Certificate of Deposit \| -	10%	₹14 Cr	1,450,000 ↑ 1,450,000
Union Bank Of India Certificate of Deposit \| -	9%	₹14 Cr	1,370,000 ↑ 1,370,000
Reverse Repo 16-Dec-24 CBLO/Reverse Repo \| -	8%	₹12 Cr
LIC Housing Finance Limited Commercial Paper \| -	7%	₹10 Cr	1,000,000 ↓ -1,250,000
Aditya Birla Finance Limited Commercial Paper \| -	7%	₹10 Cr	1,000,000
HDFC Bank Limited Certificate of Deposit \| -	7%	₹10 Cr	1,000,000 ↓ -1,500,000
91 DTB 06032025 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
Indian Bank Certificate of Deposit \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
Canara Bank Certificate of Deposit \| -	6%	₹9 Cr	900,000 ↑ 900,000

7. ICICI Prudential Liquid Fund

(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 CAGR/Annualized return of 7.1% since its launch. Ranked 20 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund Growth
Launch Date	17 Nov 05
NAV (16 Jan 25)	₹374.676 ↑ 0.08 (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
31 Dec 19	₹10,000
31 Dec 20	₹10,427
31 Dec 21	₹10,764
31 Dec 22	₹11,276
31 Dec 23	₹12,064
31 Dec 24	₹12,951

ICICI Prudential 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 ICICI Prudential 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 16 Jan 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.3%
3 Year	6.4%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	7%
2021	4.8%
2020	3.2%
2019	4.3%
2018	6.6%
2017	7.4%
2016	6.6%
2015	7.7%
2014	8.3%

Fund Manager information for ICICI Prudential Liquid Fund

Name	Since	Tenure
Nikhil Kabra	1 Dec 23	1.09 Yr.
Darshil Dedhia	12 Jun 23	1.56 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	80.53%
Corporate	18.83%
Government	0.44%

Credit Quality

Rating	Value
AA	1.33%
AAA	98.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	4%	₹2,268 Cr
Punjab National Bank Certificate of Deposit \| -	3%	₹1,824 Cr	36,500 ↓ -4,000
91 DTB 09012025 Sovereign Bonds \| -	3%	₹1,484 Cr	149,013,200
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹1,475 Cr	30,000 ↑ 30,000
Cp Mankind Pharma Ltd Commercial Paper \| -	2%	₹1,019 Cr	20,500
State Bank Of India Certificate of Deposit \| -	2%	₹998 Cr	20,000
Indian Bank Certificate of Deposit \| -	2%	₹997 Cr	20,000
Cp Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹987 Cr	20,000
Reliance Retail Ventures Limited 2025 Commercial Paper \| -	2%	₹987 Cr	20,000
Reverse Repo (12/16/2024) CBLO/Reverse Repo \| -	2%	₹965 Cr

8. Mirae Asset Cash Management Fund

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 CAGR/Annualized return of 6.3% since its launch. Ranked 48 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Mirae Asset Cash Management Fund

Mirae Asset Cash Management Fund Growth
Launch Date	12 Jan 09
NAV (16 Jan 25)	₹2,654.13 ↑ 0.58 (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
31 Dec 19	₹10,000
31 Dec 20	₹10,419
31 Dec 21	₹10,763
31 Dec 22	₹11,283
31 Dec 23	₹12,074
31 Dec 24	₹12,962

Mirae Asset Cash Management 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 Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jan 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.3%
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	7.3%
2022	7%
2021	4.8%
2020	3.3%
2019	4.2%
2018	6.6%
2017	7.3%
2016	6.6%
2015	7.2%
2014	7.8%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Amit Modani	1 Nov 24	0.17 Yr.
Abhishek Iyer	28 Dec 20	4.01 Yr.

Data below for Mirae Asset Cash Management Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	77.36%
Corporate	21.02%
Government	1.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Certificate of Deposit \| -	3%	₹350 Cr	35,000,000 ↑ 35,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹300 Cr	30,000,000 ↑ 30,000,000
Axis Bank Ltd. Certificate of Deposit \| -	2%	₹297 Cr	30,000,000 ↑ 30,000,000
91 DTB 13022025 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
91 Days Tbill Red 27-02-2025 Sovereign Bonds \| -	2%	₹296 Cr	30,000,000
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹295 Cr	30,000,000 ↑ 30,000,000
Small Industries Development Bank Of India Certificate of Deposit \| -	2%	₹272 Cr	27,500,000 ↑ 27,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹222 Cr	22,500,000 ↑ 22,500,000
Tata Steel Limited Commercial Paper \| -	1%	₹200 Cr	20,000,000 ↑ 20,000,000
Reliance Industries Limited Commercial Paper \| -	1%	₹200 Cr	20,000,000 ↑ 20,000,000

9. Nippon India Liquid Fund

(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 CAGR/Annualized return of 6.9% since its launch. Ranked 11 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Nippon India Liquid Fund

Nippon India Liquid Fund Growth
Launch Date	9 Dec 03
NAV (16 Jan 25)	₹6,176.41 ↑ 1.33 (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
31 Dec 19	₹10,000
31 Dec 20	₹10,426
31 Dec 21	₹10,762
31 Dec 22	₹11,276
31 Dec 23	₹12,060
31 Dec 24	₹12,944

Nippon India 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 Nippon India 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 16 Jan 25

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.3%
3 Year	6.4%
5 Year	5.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	7%
2021	4.8%
2020	3.2%
2019	4.3%
2018	6.7%
2017	7.4%
2016	6.7%
2015	7.7%
2014	8.3%

Fund Manager information for Nippon India Liquid Fund

Name	Since	Tenure
Siddharth Deb	1 Mar 22	2.84 Yr.
Kinjal Desai	25 May 18	6.61 Yr.
Vikash Agarwal	14 Sep 24	0.3 Yr.

Data below for Nippon India Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70%
Corporate	26.42%
Government	3.37%

Credit Quality

Rating	Value
AA	0.4%
AAA	99.6%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank Of India 2025 Certificate of Deposit \| -	4%	₹1,479 Cr	30,000
IDBI Bank Limited Certificate of Deposit \| -	3%	₹990 Cr	20,000
Net Current Assets Net Current Assets \| -	3%	-₹930 Cr
91 DTB 13032025 Sovereign Bonds \| -	2%	₹866 Cr	87,979,300 ↑ 87,979,300
Punjab National Bank Limited Certificate of Deposit \| -	2%	₹840 Cr	17,000
Reverse Repo CBLO/Reverse Repo \| -	2%	₹748 Cr
HDFC Bank Limited Certificate of Deposit \| -	2%	₹739 Cr	15,000
Union Bank Of India Certificate of Deposit \| -	2%	₹738 Cr	15,000 ↑ 15,000
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹738 Cr	15,000 ↑ 15,000
6.89% Govt Stock 2025 Sovereign Bonds \| -	2%	₹665 Cr	66,500,000

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पूछे जाने वाले प्रश्न

1. एसआईपी में कार्यकाल का क्या महत्व है?

ए: जब आप एसआईपी चुनते हैं, तो सबसे पहली चीज जिस पर आपको विचार करना चाहिए, वह है कार्यकाल। कार्यकाल की जांच करना और फिर निवेश करना एक अच्छा विचार है क्योंकि आपको कार्यकाल पूरा करने से पहले अपना निवेश बंद नहीं करना चाहिए। यदि आप ऐसा करते हैं, तो आपको एक्जिट लोड के रूप में जुर्माना भरना पड़ सकता है।

2. क्या एक साल का एसआईपी अच्छा है?

ए: हां, एक साल का एसआईपी अच्छा है, खासकर अगर आप जल्दी रिटर्न की तलाश में हैं। आमतौर पर, एक साल के एसआईपी की मदद से, आप अपने फंड पोर्टफोलियो के आधार पर अपने निवेश पर 4.2% से 6.2% तक आरओआई की उम्मीद कर सकते हैं।

3. मुझे एक साल के एसआईपी में निवेश क्यों करना चाहिए?

ए: यदि आप म्यूचुअल फंड निवेश में नए हैं और निवेश पोर्टफोलियो में विविधता लाने की योजना बना रहे हैं तो एक साल का एसआईपी उपयोगी है।

4. क्या एक साल के एसआईपी से अच्छा रिटर्न मिलता है?

ए: एक साल के एसआईपी युवा निवेशकों के बीच लोकप्रियता हासिल कर रहे हैं क्योंकि ये अच्छे और त्वरित रिटर्न देते हैं। अगर आप म्यूचुअल फंड को समझना चाहते हैंमंडी, तो एक साल के एसआईपी एक अच्छा विचार है।

5. क्या सभी एसआईपी अच्छा रिटर्न देते हैं?

ए: एसआईपी आपके निवेश पोर्टफोलियो में विविधता लाने के सर्वोत्तम तरीकों में से एक है और अच्छे रिटर्न देने के लिए जाने जाते हैं। यह आपको उन फंडों को चुनने की अनुमति देता है जिन्हें आप निवेश करना चाहते हैं और राशि भी। आपको नियमित अंतराल पर छोटी राशि निवेश करने का अवसर मिलता है।

6. क्या सभी एसआईपी में लार्ज-कैप स्टॉक शामिल हैं?

ए: के अनुसारसेबी जनादेश, एसआईपी निवेशकों को निवेशकों और कंपनियों की सुरक्षा के लिए 70:20:10 प्रोटोकॉल का पालन करना होगा। इस नियम के अनुसार, इक्विटी निवेश का 70% लार्ज-कैप शेयरों में होगा, 20% inमध्यम दर्जे की कंपनियों के शेयर स्टॉक, और 10% inछोटी टोपी स्टॉक। इसलिए एसआईपी निवेश में विविधता लाते हैं, और सभी केवल लार्ज-कैप शेयरों में केंद्रित नहीं होते हैं।

7. क्या एसआईपी में अधिकतम और न्यूनतम राशि का निवेश किया जा सकता है?

ए: आप SIP में न्यूनतम 500 रुपये निवेश कर सकते हैं। हालांकि, एसआईपी में निवेश की कोई ऊपरी सीमा नहीं है। आप इसे अपने फंड मैनेजर के साथ प्लान कर सकते हैं।

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।