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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 April 18, 2025 , 120525 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	₹540.322 ↑ 0.27	₹13,294	1,000	2.2	4.1	7.9	7	7.9	7.75%	6M 25D	7M 28D
ICICI Prudential Ultra Short Term Fund Growth	₹27.3166 ↑ 0.01	₹12,674	1,000	2.1	3.8	7.5	6.8	7.5	7.53%	5M 8D	7M 28D
Invesco India Ultra Short Term Fund Growth	₹2,661.8 ↑ 0.47	₹859	1,000	2.1	3.8	7.4	6.6	7.5	7.49%	6M 13D	7M 2D
BOI AXA Liquid Fund Growth	₹2,970.29 ↑ 0.50	₹1,524	1,000	1.9	3.7	7.4	6.9	7.4	6.94%	2M 1D	2M 1D
Indiabulls Liquid Fund Growth	₹2,494.87 ↑ 1.24	₹130	500	1.9	3.7	7.4	6.7	7.4	7.07%	2M 1D	2M 2D
Kotak Savings Fund Growth	₹42.3103 ↑ 0.01	₹11,873	1,000	2.1	3.7	7.3	6.6	7.2	7.32%	6M 4D	6M 14D
Nippon India Ultra Short Duration Fund Growth	₹3,975.57 ↑ 0.60	₹6,498	100	2	3.7	7.3	6.6	7.2	7.73%	5M 4D	7M 1D
UTI Ultra Short Term Fund Growth	₹4,184.36 ↑ 0.94	₹3,143	500	2	3.7	7.3	6.5	7.2	7.57%	5M 23D	6M 23D
Tata Liquid Fund Growth	₹4,062.99 ↑ 0.67	₹19,074	500	1.9	3.6	7.3	6.8	7.3	7.06%	2M 17D	2M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Apr 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 (17 Apr 25)	₹540.322 ↑ 0.27 (0.05 %)
Net Assets (Cr)	₹13,294 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	3.09
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	7 Months 28 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,634
31 Mar 22	₹11,077
31 Mar 23	₹11,676
31 Mar 24	₹12,543
31 Mar 25	₹13,517

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 17 Apr 25

Duration	Returns
1 Month	1.1%
3 Month	2.2%
6 Month	4.1%
1 Year	7.9%
3 Year	7%
5 Year	6.3%
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	10.7 Yr.
Kaustubh Gupta	15 Jul 11	13.64 Yr.
Monika Gandhi	22 Mar 21	3.95 Yr.

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

Asset Allocation

Asset Class	Value
Cash	40.5%
Debt	59.18%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	69.04%
Cash Equivalent	24.5%
Government	6.14%

Credit Quality

Rating	Value
AA	33.14%
AAA	66.86%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Company Limited Debentures \| -	4%	₹603 Cr	60,000
Nirma Limited Debentures \| -	3%	₹485 Cr	48,500
364 DTB Sovereign Bonds \| -	3%	₹471 Cr	47,500,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹340 Cr	35,000,000
Mankind Pharma Ltd Debentures \| -	2%	₹305 Cr	30,500
Avanse Financial Services Ltd 9.40% Debentures \| -	2%	₹299 Cr	30,000
Axis Bank Ltd. Debentures \| -	2%	₹279 Cr	6,000 ↑ 6,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹270 Cr	27,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹250 Cr	25,000 ↓ -5,000

2. 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 7.5% 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 (17 Apr 25)	₹27.3166 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹12,674 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.69
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	7.53%
Effective Maturity	7 Months 28 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,589
31 Mar 22	₹11,009
31 Mar 23	₹11,594
31 Mar 24	₹12,428
31 Mar 25	₹13,344

ICICI Prudential Ultra Short Term 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 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 17 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.1%
6 Month	3.8%
1 Year	7.5%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.5%

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	8.3 Yr.
Ritesh Lunawat	15 Jun 17	7.72 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	45.31%
Debt	54.4%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	56.83%
Cash Equivalent	24.3%
Government	18.59%

Credit Quality

Rating	Value
AA	20.39%
AAA	79.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2028 Sovereign Bonds \| -	4%	₹583 Cr	58,000,000 ↑ 10,000,000
India (Republic of) - \| -	4%	₹484 Cr	50,000,000 ↑ 50,000,000
LIC Housing Finance Limited Debentures \| -	3%	₹434 Cr	4,350
Bharti Telecom Limited Debentures \| -	3%	₹351 Cr	35,000 ↑ 2,500
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹304 Cr	30,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹299 Cr	3,000
Small Industries Development Bank Of India Debentures \| -	2%	₹299 Cr	3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹249 Cr	2,500
LIC Housing Finance Limited Debentures \| -	2%	₹225 Cr	2,250 ↓ -500
Oberoi Realty Ltd. Debentures \| -	2%	₹200 Cr	20,000

3. 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 (17 Apr 25)	₹2,661.8 ↑ 0.47 (0.02 %)
Net Assets (Cr)	₹859 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	1.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	7 Months 2 Days
Modified Duration	6 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,449
31 Mar 22	₹10,784
31 Mar 23	₹11,305
31 Mar 24	₹12,113
31 Mar 25	₹12,995

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 17 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.1%
6 Month	3.8%
1 Year	7.4%
3 Year	6.6%
5 Year	5.4%
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	5.24 Yr.
Vikas Garg	27 Jul 21	3.68 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	42.85%
Debt	56.81%
Other	0.34%

Debt Sector Allocation

Sector	Value
Corporate	52.93%
Cash Equivalent	30.8%
Government	15.92%

Credit Quality

Rating	Value
AA	26.25%
AAA	73.75%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹40 Cr	4,000,000
Export Import Bank Of India Debentures \| -	4%	₹40 Cr	4,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹35 Cr	3,500,000
Ongc Petro Additions Limited Debentures \| -	3%	₹30 Cr	3,000,000
Export Import Bank Of India Debentures \| -	3%	₹30 Cr	3,000,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Godrej Industries Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Torrent Power Limited Debentures \| -	2%	₹25 Cr	2,500,000

4. 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 (20 Apr 25)	₹2,970.29 ↑ 0.50 (0.02 %)
Net Assets (Cr)	₹1,524 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	4.1
Information Ratio	-0.18
Alpha Ratio	-0.04
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.94%
Effective Maturity	2 Months 1 Day
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,353
31 Mar 22	₹10,704
31 Mar 23	₹11,316
31 Mar 24	₹12,140
31 Mar 25	₹13,036

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 17 Apr 25

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.7%
1 Year	7.4%
3 Year	6.9%
5 Year	5.5%
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	3.62 Yr.

Data below for BOI AXA Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	71.33%
Corporate	17.78%
Government	10.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Certificate of Deposit \| -	5%	₹98 Cr	10,000,000 ↑ 10,000,000
India (Republic of) - \| -	5%	₹93 Cr	9,382,500 ↑ 9,382,500
Axis Bank Ltd. Certificate of Deposit \| -	4%	₹80 Cr	8,100,000
Union Bank Of India Certificate of Deposit \| -	4%	₹75 Cr	7,500,000 ↓ -2,500,000
LIC Housing Finance Ltd Commercial Paper \| -	4%	₹75 Cr	7,500,000
HDFC Securities Limited Commercial Paper \| -	4%	₹74 Cr	7,500,000
India (Republic of) - \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Canara Bank Domestic Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Kotak Securities Ltd Commercial Paper \| -	3%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹50 Cr	5,000,000

5. 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 (20 Apr 25)	₹2,494.87 ↑ 1.24 (0.05 %)
Net Assets (Cr)	₹130 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	2.76
Information Ratio	-2.12
Alpha Ratio	-0.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,335
31 Mar 22	₹10,651
31 Mar 23	₹11,223
31 Mar 24	₹12,016
31 Mar 25	₹12,897

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 17 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	1.9%
6 Month	3.7%
1 Year	7.4%
3 Year	6.7%
5 Year	5.3%
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	1.89 Yr.

Data below for Indiabulls Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.64%
Other	0.36%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.61%
Government	9.63%
Corporate	6.41%

Credit Quality

Rating	Value
AA	6.59%
AAA	93.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	10%	₹15 Cr	1,500,000 ↑ 1,500,000
Export-Import Bank Of India Commercial Paper \| -	10%	₹15 Cr	1,500,000 ↑ 1,500,000
National Bank for Agriculture and Rural Development Commercial Paper \| -	9%	₹14 Cr	1,425,000 ↑ 1,425,000
Axis Bank Limited Certificate of Deposit \| -	9%	₹14 Cr	1,400,000 ↑ 1,400,000
Small Industries Development Bank Of India Debentures \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
05.75 RJ Sdl 2025 Sovereign Bonds \| -	7%	₹10 Cr	1,000,000 ↑ 1,000,000
Kotak Mahindra Bank Limited Certificate of Deposit \| -	6%	₹10 Cr	1,000,000
HDFC Bank Limited Certificate of Deposit \| -	6%	₹10 Cr	1,000,000 ↑ 1,000,000
Bank Of Baroda Certificate of Deposit \| -	6%	₹10 Cr	1,000,000 ↑ 1,000,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited) Commercial Paper \| -	6%	₹10 Cr	1,000,000 ↑ 1,000,000

6. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch. Ranked 44 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund Growth
Launch Date	13 Aug 04
NAV (17 Apr 25)	₹42.3103 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹11,873 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.8
Sharpe Ratio	0.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.32%
Effective Maturity	6 Months 14 Days
Modified Duration	6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,510
31 Mar 22	₹10,871
31 Mar 23	₹11,437
31 Mar 24	₹12,236
31 Mar 25	₹13,117

Kotak 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 Kotak 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 17 Apr 25

Duration	Returns
1 Month	1%
3 Month	2.1%
6 Month	3.7%
1 Year	7.3%
3 Year	6.6%
5 Year	5.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.8%
2021	4.5%
2020	3.2%
2019	5.8%
2018	7.8%
2017	7.4%
2016	6.7%
2015	8.2%
2014	8.6%

Fund Manager information for Kotak Savings Fund

Name	Since	Tenure
Deepak Agrawal	15 Apr 08	16.89 Yr.
Manu Sharma	1 Nov 22	2.33 Yr.

Data below for Kotak Savings Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	59.38%
Debt	40.3%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	59.06%
Cash Equivalent	24.21%
Government	16.42%

Credit Quality

Rating	Value
AA	9.91%
AAA	90.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 15052025 Sovereign Bonds \| -	4%	₹495 Cr	50,000,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹474 Cr	47,500
Mankind Pharma Ltd Debentures \| -	2%	₹300 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹299 Cr	30,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹229 Cr	2,300
Bharti Telecom Limited Debentures \| -	2%	₹226 Cr	2,250
08.49 Tn SDL 2026 Sovereign Bonds \| -	2%	₹204 Cr	20,080,000
Vedanta Limited Debentures \| -	2%	₹199 Cr	20,000
Axis Bank Ltd. Debentures \| -	1%	₹186 Cr	20,000 ↑ 20,000
Small Industries Development Bank of India Debentures \| -	1%	₹186 Cr	20,000 ↑ 20,000

7. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash 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 Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch. Ranked 62 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund Growth
Launch Date	7 Dec 01
NAV (17 Apr 25)	₹3,975.57 ↑ 0.60 (0.02 %)
Net Assets (Cr)	₹6,498 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆
Risk	Low
Expense Ratio	1.14
Sharpe Ratio	1.08
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.73%
Effective Maturity	7 Months 1 Day
Modified Duration	5 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,494
31 Mar 22	₹11,303
31 Mar 23	₹11,890
31 Mar 24	₹12,714
31 Mar 25	₹13,630

Nippon India Ultra Short Duration 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 Nippon India Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Apr 25

Duration	Returns
1 Month	1%
3 Month	2%
6 Month	3.7%
1 Year	7.3%
3 Year	6.6%
5 Year	6.5%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.6%
2020	7.8%
2019	4.9%
2018	0.9%
2017	7.3%
2016	5.8%
2015	6.8%
2014	7.6%

Fund Manager information for Nippon India Ultra Short Duration Fund

Name	Since	Tenure
Vivek Sharma	1 Oct 13	11.42 Yr.
Kinjal Desai	25 May 18	6.77 Yr.
Akshay Sharma	1 Dec 22	2.25 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	51.91%
Debt	47.8%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	51.73%
Cash Equivalent	36.55%
Government	11.44%

Credit Quality

Rating	Value
AA	19.13%
AAA	80.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹309 Cr	3,100
India (Republic of) - \| -	3%	₹242 Cr	25,000,000 ↑ 25,000,000
182 DTB 12062025 Sovereign Bonds \| -	3%	₹241 Cr	24,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹199 Cr	2,000
Indinfravit Trust Debentures \| -	3%	₹187 Cr	19,500
Rec Limited Debentures \| -	2%	₹182 Cr	1,850
HDFC Credila Financial Services Ltd Debentures \| -	2%	₹166 Cr	16,500
Vedanta Limited Debentures \| -	2%	₹165 Cr	16,500
Canara Bank Domestic Bonds \| -	2%	₹140 Cr	3,000 ↑ 3,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹125 Cr	12,500

8. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 27 in Ultrashort Bond category. Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund Growth
Launch Date	29 Aug 03
NAV (17 Apr 25)	₹4,184.36 ↑ 0.94 (0.02 %)
Net Assets (Cr)	₹3,143 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.96
Sharpe Ratio	0.91
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.57%
Effective Maturity	6 Months 23 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,498
31 Mar 22	₹11,148
31 Mar 23	₹11,703
31 Mar 24	₹12,516
31 Mar 25	₹13,414

UTI Ultra Short Term 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 UTI 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 17 Apr 25

Duration	Returns
1 Month	0.9%
3 Month	2%
6 Month	3.7%
1 Year	7.3%
3 Year	6.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.2%
2022	6.7%
2021	4.2%
2020	6.1%
2019	5.3%
2018	3.3%
2017	7%
2016	6.6%
2015	8.9%
2014	8.5%

Fund Manager information for UTI Ultra Short Term Fund

Name	Since	Tenure
Anurag Mittal	21 Jan 25	0.19 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	62.89%
Debt	36.86%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	51.62%
Cash Equivalent	38.62%
Government	9.52%

Credit Quality

Rating	Value
AA	20.97%
AAA	79.03%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Housing Finance Limited Debentures \| -	3%	₹100 Cr	1,000
182 Days Tbill Sovereign Bonds \| -	3%	₹97 Cr	1,000,000,000
Small Industries Development Bank Of India Debentures \| -	2%	₹75 Cr	750
LIC Housing Finance Ltd Debentures \| -	2%	₹75 Cr	750
Shriram Transport Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000
India Grid TRust Debentures \| -	2%	₹50 Cr	500
Small Industries Development Bank Of India Debentures \| -	2%	₹50 Cr	500 ↑ 500
HDFC Bank Limited Debentures \| -	2%	₹50 Cr	5,000
Avanse Financial Services Limited Debentures \| -	2%	₹50 Cr	500
Can Fin Homes Limited Debentures \| -	1%	₹50 Cr	500

9. Tata Liquid Fund

(Erstwhile TATA Money Market Fund )

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

Tata Liquid Fund is a Debt - Liquid Fund fund was launched on 1 Sep 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 18 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (20 Apr 25)	₹4,062.99 ↑ 0.67 (0.02 %)
Net Assets (Cr)	₹19,074 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	2.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	2 Months 17 Days
Modified Duration	2 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Mar 20	₹10,000
31 Mar 21	₹10,357
31 Mar 22	₹10,705
31 Mar 23	₹11,300
31 Mar 24	₹12,110
31 Mar 25	₹12,993

Tata 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 Tata 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 17 Apr 25

Duration	Returns
1 Month	0.8%
3 Month	1.9%
6 Month	3.6%
1 Year	7.3%
3 Year	6.8%
5 Year	5.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	7%
2021	4.8%
2020	3.2%
2019	4.3%
2018	6.6%
2017	7.4%
2016	6.7%
2015	7.7%
2014	8.4%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.46 Yr.
Abhishek Sonthalia	6 Feb 20	5.15 Yr.
Harsh Dave	1 Aug 24	0.66 Yr.

Data below for Tata Liquid Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.46%
Corporate	11.16%
Government	5.17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Limited Commercial Paper \| -	6%	₹1,747 Cr	35,000
India (Republic of) - \| -	4%	₹1,326 Cr	134,500,000 ↑ 134,500,000
91 Days Tbill Red 24-04-2025 Sovereign Bonds \| -	4%	₹1,241 Cr	125,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	4%	₹1,236 Cr	25,000
Icici Securities Limited Commercial Paper \| -	3%	₹1,080 Cr	22,000 ↑ 22,000
Bank Of Baroda Certificate of Deposit \| -	3%	₹989 Cr	20,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹987 Cr	20,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹950 Cr	19,000 ↓ -1,000
Bank Of Baroda Certificate of Deposit \| -	3%	₹933 Cr	19,000 ↑ 19,000
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹749 Cr	15,000

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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।