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SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಏಕೆ?
FY 22 - 23 ರಲ್ಲಿ 1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು
ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ SIP ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
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1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ 9 ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು 2022

Updated on December 18, 2024 , 120258 views

ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು? ಅವರನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದು ಹೇಗೆ? ಯೋಚಿಸುವಾಗ ಹೂಡಿಕೆದಾರರ ಮನಸ್ಸಿನಲ್ಲಿ ಉಂಟಾಗುವ ಕೆಲವು ಸಾಮಾನ್ಯ ಪ್ರಶ್ನೆಗಳು ಇವುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ a ಮೂಲಕSIP ಅಥವಾ ವ್ಯವಸ್ಥಿತಹೂಡಿಕೆ ಯೋಜನೆ.

SIP ಹೂಡಿಕೆ ಅತ್ಯಂತ ಶಿಸ್ತುಬದ್ಧವಾಗಿದೆಹೂಡಿಕೆ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಆಯ್ಕೆಗಳುಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. ಇದಲ್ಲದೆ, SIP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆಯ ಕನಿಷ್ಠ ಮೊತ್ತವು INR 500 ಕ್ಕಿಂತ ಕಡಿಮೆಯಿರುತ್ತದೆ. ಇದು ಹೂಡಿಕೆಯನ್ನು ಮಾಡುತ್ತದೆಉನ್ನತ SIP ಹೆಚ್ಚು ಅನುಕೂಲಕರ ಯೋಜನೆಗಳು.

SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಏಕೆ?

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ SIP ಹೂಡಿಕೆಯು ಉಳಿತಾಯದ ಅಭ್ಯಾಸವನ್ನು ಬೆಳೆಸಲು ಅತ್ಯಂತ ಅನುಕೂಲಕರ ಮಾರ್ಗವಾಗಿದೆ. ತುಂಬಾ ಸಾಮಾನ್ಯವಾಗಿ ಯುವ ಪೀಳಿಗೆಯ ಗಳಿಸುವ ಜನರು ಹೆಚ್ಚು ಉಳಿಸುವುದಿಲ್ಲ. ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆಯನ್ನು ಹೊಂದಲು, ಪ್ರಾರಂಭದ ಮೊತ್ತವು ರೂ. 500 ಕ್ಕಿಂತ ಕಡಿಮೆ ಇರುವ ಕಾರಣದಿಂದ ಬೃಹತ್ ಮೊತ್ತದ ಹೂಡಿಕೆಯ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ ಮತ್ತು ಕೆಲವು ನಿಧಿಗಳು ಮಾಸಿಕ INR 100 ಕ್ಕೆ SIP ಅನ್ನು ಸಹ ನೀಡುತ್ತವೆ. ಚಿಕ್ಕ ವಯಸ್ಸಿನಿಂದಲೂ, ಒಬ್ಬರು ತಮ್ಮ ಉಳಿತಾಯವನ್ನು ಹೂಡಿಕೆಯ ರೂಪವಾಗಿ ಮಾಡುವ ಅಭ್ಯಾಸವನ್ನು ಪಡೆಯಬಹುದು. SIP, ಆ ಮೂಲಕ ಪ್ರತಿ ತಿಂಗಳು ಉಳಿಸಲು ನಿಗದಿತ ಮೊತ್ತವನ್ನು ನಿಗದಿಪಡಿಸುತ್ತದೆ. ಆದ್ದರಿಂದ ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆಗಳು ಸ್ಮಾರ್ಟ್ ಹೂಡಿಕೆಯ ಪ್ರಮುಖ ಸಾಧನಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ.

ನಿಮ್ಮ ತಯಾರಿಗಾಗಿ SIP ಸಹಾಯ ಮಾಡುತ್ತದೆಹಣಕಾಸಿನ ಗುರಿಗಳು ತೊಂದರೆ-ಮುಕ್ತ ರೀತಿಯಲ್ಲಿ. SIP ಹೊಂದುವುದು ಅತ್ಯಂತ ಅನುಕೂಲಕರವಾಗಿದೆ ಏಕೆಂದರೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಕಾಗದದ ಕೆಲಸವನ್ನು ಒಂದೇ ಬಾರಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ, ನಂತರ ಮಾಸಿಕ ಮೊತ್ತವನ್ನು ಡೆಬಿಟ್ ಮಾಡಲಾಗುತ್ತದೆಬ್ಯಾಂಕ್ ಮಧ್ಯಸ್ಥಿಕೆ ಇಲ್ಲದೆ ನೇರವಾಗಿ ಖಾತೆ. ಪರಿಣಾಮವಾಗಿ, SIP ಗಳಿಗೆ ಇತರ ಹೂಡಿಕೆಗಳು ಮತ್ತು ಉಳಿತಾಯ ಆಯ್ಕೆಗಳಿಗೆ ಅಗತ್ಯವಿರುವ ಪ್ರಯತ್ನಗಳ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ.

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FY 22 - 23 ರಲ್ಲಿ 1 ವರ್ಷದ ಹೂಡಿಕೆಗಾಗಿ ಅತ್ಯುತ್ತಮ SIP ಯೋಜನೆಗಳು

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

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 2023 was 7.2% , 2022 was 4.8% and 2021 was 3.9% .

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 (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

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 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

(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 2023 was 6.9% , 2022 was 4.5% and 2021 was 4% .

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 (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

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 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

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 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for BOI AXA Liquid Fund

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

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 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

(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 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% .

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 (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

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 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

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 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% .

Below is the key information for LIC MF Liquid Fund

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

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 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

(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 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% .

Below is the key information for ICICI Prudential Liquid Fund

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

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 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

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 2023 was 6.8% , 2022 was 4.6% and 2021 was 3.1% .

Below is the key information for Indiabulls Liquid Fund

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

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 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

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 2023 was 7% , 2022 was 4.8% and 2021 was 3.3% .

Below is the key information for Mirae Asset Cash Management Fund

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

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 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

(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 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% .

Below is the key information for Nippon India Liquid Fund

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

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 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

ಮ್ಯೂಚುವಲ್ ಫಂಡ್ SIP ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

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FAQ ಗಳು

1. SIP ಗಳಲ್ಲಿ ಅಧಿಕಾರಾವಧಿಯ ಪ್ರಾಮುಖ್ಯತೆ ಏನು?

ಉ: ನೀವು SIP ಗಳನ್ನು ಆಯ್ಕೆಮಾಡುವಾಗ, ನೀವು ಪರಿಗಣಿಸಬೇಕಾದ ಮೊದಲ ವಿಷಯವೆಂದರೆ ಅಧಿಕಾರಾವಧಿ. ಅವಧಿಯನ್ನು ಪರಿಶೀಲಿಸುವುದು ಮತ್ತು ನಂತರ ಹೂಡಿಕೆ ಮಾಡುವುದು ಒಳ್ಳೆಯದು ಏಕೆಂದರೆ ನೀವು ಅವಧಿಯನ್ನು ಪೂರ್ಣಗೊಳಿಸುವ ಮೊದಲು ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಮುಚ್ಚಬಾರದು. ನೀವು ಹಾಗೆ ಮಾಡಿದರೆ, ನೀವು ನಿರ್ಗಮನ ಲೋಡ್ ರೂಪದಲ್ಲಿ ದಂಡವನ್ನು ಪಾವತಿಸಬೇಕಾಗಬಹುದು.

2. ಒಂದು ವರ್ಷದ SIP ಗಳು ಉತ್ತಮವೇ?

ಉ: ಹೌದು, ಒಂದು ವರ್ಷದ SIP ಗಳು ಒಳ್ಳೆಯದು, ವಿಶೇಷವಾಗಿ ನೀವು ತ್ವರಿತ ಆದಾಯವನ್ನು ಹುಡುಕುತ್ತಿದ್ದರೆ. ಸಾಮಾನ್ಯವಾಗಿ, ಒಂದು ವರ್ಷದ SIP ಗಳ ಸಹಾಯದಿಂದ, ನಿಮ್ಮ ಫಂಡ್ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ಅವಲಂಬಿಸಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ 4.2% ರಿಂದ 6.2% ವರೆಗಿನ ROI ಗಳನ್ನು ನೀವು ನಿರೀಕ್ಷಿಸಬಹುದು.

3. ನಾನು ಒಂದು ವರ್ಷದ SIP ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಉ: ನೀವು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗೆ ಹೊಸಬರಾಗಿದ್ದರೆ ಮತ್ತು ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದರೆ ಒಂದು ವರ್ಷದ SIP ಗಳು ಉಪಯುಕ್ತವಾಗಿವೆ.

4. ಒಂದು ವರ್ಷದ SIP ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಯೇ?

ಉ: ಒಂದು ವರ್ಷದ SIP ಗಳು ಯುವ ಹೂಡಿಕೆದಾರರಲ್ಲಿ ಜನಪ್ರಿಯತೆಯನ್ನು ಗಳಿಸುತ್ತಿವೆ ಏಕೆಂದರೆ ಇವುಗಳು ಉತ್ತಮ ಮತ್ತು ತ್ವರಿತ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ. ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳಲು ಬಯಸಿದರೆಮಾರುಕಟ್ಟೆ, ನಂತರ ಒಂದು ವರ್ಷದ SIP ಗಳು ಒಳ್ಳೆಯದು.

5. ಎಲ್ಲಾ SIP ಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆಯೇ?

ಉ: ನಿಮ್ಮ ಹೂಡಿಕೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು SIP ಗಳು ಉತ್ತಮ ಮಾರ್ಗಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ ಮತ್ತು ಉತ್ತಮ ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸಲು ಹೆಸರುವಾಸಿಯಾಗಿದೆ. ನೀವು ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಹಣವನ್ನು ಮತ್ತು ಮೊತ್ತವನ್ನು ಆಯ್ಕೆ ಮಾಡಲು ಇದು ನಿಮ್ಮನ್ನು ಅನುಮತಿಸುತ್ತದೆ. ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಸಣ್ಣ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ನಿಮಗೆ ಅವಕಾಶವಿದೆ.

6. ಎಲ್ಲಾ SIP ಗಳು ದೊಡ್ಡ ಕ್ಯಾಪ್ ಸ್ಟಾಕ್‌ಗಳನ್ನು ಒಳಗೊಂಡಿವೆಯೇ?

ಉ: ಪ್ರಕಾರSEBI ಕಡ್ಡಾಯವಾಗಿ, SIP ಹೂಡಿಕೆದಾರರು ಹೂಡಿಕೆದಾರರು ಮತ್ತು ಕಂಪನಿಗಳನ್ನು ರಕ್ಷಿಸಲು 70:20:10 ಪ್ರೋಟೋಕಾಲ್ ಅನ್ನು ಅನುಸರಿಸಬೇಕು. ಈ ನಿಯಮದ ಪ್ರಕಾರ, ಈಕ್ವಿಟಿ ಹೂಡಿಕೆಯ 70% ದೊಡ್ಡ ಕ್ಯಾಪ್ ಷೇರುಗಳಲ್ಲಿ, 20% ರಲ್ಲಿಮಿಡ್ ಕ್ಯಾಪ್ ಷೇರುಗಳು, ಮತ್ತು 10% ರಲ್ಲಿಸಣ್ಣ ಕ್ಯಾಪ್ ಷೇರುಗಳು. ಆದ್ದರಿಂದ SIP ಗಳು ಹೂಡಿಕೆಗಳನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸುತ್ತವೆ ಮತ್ತು ಎಲ್ಲವೂ ಕೇವಲ ದೊಡ್ಡ ಕ್ಯಾಪ್ ಸ್ಟಾಕ್‌ಗಳಲ್ಲಿ ಕೇಂದ್ರೀಕೃತವಾಗಿರುವುದಿಲ್ಲ.

7. SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಗರಿಷ್ಠ ಮತ್ತು ಕನಿಷ್ಠ ಮೊತ್ತವಿದೆಯೇ?

ಉ: ನೀವು SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದಾದ ಕನಿಷ್ಠ ಮೊತ್ತವು ರೂ.500 ಆಗಿದೆ. ಆದಾಗ್ಯೂ, SIP ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮಿತಿಯಿಲ್ಲ. ನಿಮ್ಮ ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ನೊಂದಿಗೆ ನೀವು ಇದನ್ನು ಯೋಜಿಸಬಹುದು.

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಖಾತರಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.