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SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ -- ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಕ್ಯಾಲ್ಕುಲೇಟರ್

Updated on November 4, 2024 , 33632 views

SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಎನ್ನುವುದು ವ್ಯಕ್ತಿಗಳಿಗೆ ತಮ್ಮ SWP ಹೂಡಿಕೆಯು ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ ಹೇಗೆ ಇರುತ್ತದೆ ಎಂಬುದನ್ನು ಲೆಕ್ಕಾಚಾರ ಮಾಡಲು ಸಹಾಯ ಮಾಡುವ ಸಾಧನವಾಗಿದೆ. SWP ಅಥವಾ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಯುನಿಟ್‌ಗಳನ್ನು ರಿಡೀಮ್ ಮಾಡುವ ಅಥವಾ ಹೂಡಿಕೆ ಮಾಡುವ ತಂತ್ರವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ತಮ್ಮ ಹಣವನ್ನು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ ಮತ್ತು ನಂತರ ನಿರ್ದಿಷ್ಟ ಅವಧಿಯ ಮೇಲೆ ತಮ್ಮ ಹೂಡಿಕೆಗಳನ್ನು ಹಿಂತೆಗೆದುಕೊಳ್ಳುತ್ತಾರೆ. ಸ್ಥಿರವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ SWP ಸಾಮಾನ್ಯವಾಗಿ ಸೂಕ್ತವಾಗಿದೆಆದಾಯ ನಿಯಮಿತ ಅಧಿಕಾರಾವಧಿಯಲ್ಲಿ. ಲೇಖನವು ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವಿಕೆಯ ಯೋಜನೆ, SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಹೇಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ ಮತ್ತು ಇತರ ಸಂಬಂಧಿತ ನಿಯತಾಂಕಗಳ ಪರಿಕಲ್ಪನೆಯ ಸಮಗ್ರ ತಿಳುವಳಿಕೆಯನ್ನು ನೀಡುತ್ತದೆ.

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನಲ್ಲಿ SWP ಎಂದರೆ ಏನು?

ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆ ಅಥವಾ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಯ ಘಟಕಗಳನ್ನು ಪುನಃ ಪಡೆದುಕೊಳ್ಳುವ ವ್ಯವಸ್ಥಿತ ಮತ್ತು ಯೋಜಿತ ಪ್ರಕ್ರಿಯೆಯನ್ನು ಸೂಚಿಸುತ್ತದೆ. SWP ಯ ಪರಿಕಲ್ಪನೆಯು ಹಿಮ್ಮುಖ ರೀತಿಯಲ್ಲಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆSIP. SWP ಯಲ್ಲಿ, ವ್ಯಕ್ತಿಗಳು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ ಒಂದು ದೊಡ್ಡ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತಾರೆ, ಅದು ಸಾಮಾನ್ಯವಾಗಿ ಕಡಿಮೆ ಅಪಾಯ-ಹಸಿವನ್ನು ಹೊಂದಿರುತ್ತದೆ.ದ್ರವ ನಿಧಿಗಳು ಅಥವಾ ಅಲ್ಟ್ರಾಅಲ್ಪಾವಧಿಯ ನಿಧಿಗಳು. ವ್ಯಕ್ತಿಗಳು ನಂತರ ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಮೊತ್ತವನ್ನು ಹಿಂಪಡೆಯಲು ಪ್ರಾರಂಭಿಸುತ್ತಾರೆ. ವ್ಯಕ್ತಿಗಳು ತಮ್ಮ ಅಗತ್ಯತೆಗಳ ಆಧಾರದ ಮೇಲೆ ಮಾಸಿಕ, ತ್ರೈಮಾಸಿಕ, ವಾರ್ಷಿಕ, ಮತ್ತು ಮುಂತಾದವುಗಳ ವಾಪಸಾತಿ ಆವರ್ತನವನ್ನು ಗ್ರಾಹಕೀಯಗೊಳಿಸಬಹುದು. ಈ ಸಂದರ್ಭದಲ್ಲಿ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಹಣವು ವ್ಯಕ್ತಿಗಳಿಗೆ ಆದಾಯವನ್ನು ಸಹ ಪಡೆಯುತ್ತದೆ. ನಿಯಮಿತ ಆದಾಯದ ಮೂಲವನ್ನು ಹುಡುಕುತ್ತಿರುವ ವ್ಯಕ್ತಿಗಳು, ವಿಶೇಷವಾಗಿ ನಿವೃತ್ತರು, ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ಆಯ್ಕೆ ಮಾಡಿಕೊಳ್ಳಬಹುದುಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ.

SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಕ್ಯಾಲ್ಕುಲೇಟರ್

ನಿರ್ದಿಷ್ಟ ಅವಧಿಯಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಯಲ್ಲಿ ತಮ್ಮ ಹಿಂಪಡೆಯುವಿಕೆಯನ್ನು ಅಂದಾಜು ಮಾಡಲು SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಹಾಯ ಮಾಡುತ್ತದೆ. SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್‌ನಲ್ಲಿ ನಮೂದಿಸಬೇಕಾದ ಇನ್‌ಪುಟ್ ಡೇಟಾ ಒಳಗೊಂಡಿದೆ:

SWP/ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಮೊತ್ತ - ಇದು ನಿಯಮಿತ ಮಧ್ಯಂತರದಲ್ಲಿ ನೀವು ಹಿಂಪಡೆಯಲು ಯೋಜಿಸುತ್ತಿರುವ ಸ್ಥಿರ ಹಿಂಪಡೆಯುವ ಮೊತ್ತವನ್ನು ಸೂಚಿಸುತ್ತದೆ.
ಆರಂಭಿಕ ಹೂಡಿಕೆ - ಆರಂಭಿಕ ಹೂಡಿಕೆಯು ನೀವು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಒಟ್ಟು ಮೊತ್ತವನ್ನು ಸೂಚಿಸುತ್ತದೆ.
ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಆವರ್ತನ - ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಆವರ್ತನ, ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಹಿಂಪಡೆಯಲು ನೀವು ಬಯಸುವ ಸಮಯದ ಚೌಕಟ್ಟನ್ನು ಸೂಚಿಸುತ್ತದೆ. ಇದು ಮಾಸಿಕ, ಸಾಪ್ತಾಹಿಕ ಅಥವಾ ತ್ರೈಮಾಸಿಕವಾಗಿರಬಹುದು. ಸಾಮಾನ್ಯವಾಗಿ ಮಾಸಿಕ ಲೆಕ್ಕಾಚಾರಗಳನ್ನು ಮಾಡಲಾಗುತ್ತದೆ.
ನಿರೀಕ್ಷಿತ ಆದಾಯದ ದರ - ಇದರರ್ಥ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೇಲೆ ನೀವು ನಿರೀಕ್ಷಿಸುತ್ತಿರುವ ಆದಾಯ.

ಆದ್ದರಿಂದ, ನಾವು SWP ಕ್ಯಾಲ್ಕುಲೇಟರ್ನ ಪರಿಕಲ್ಪನೆಯನ್ನು ವಿವರಣೆಯೊಂದಿಗೆ ವಿವರವಾಗಿ ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ.

ಮಾದರಿ ವಿವರಣೆ

ಆರಂಭಿಕ ಹೂಡಿಕೆಯ ಮೊತ್ತ - INR 1.20,000
SWP ಮೊತ್ತ - INR 10,000
ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅವಧಿ - 12 ತಿಂಗಳುಗಳು
ನಿರೀಕ್ಷಿತ ರಿಟರ್ನ್ ದರ - 7%

SWP ಕೋಷ್ಟಕದ ಲೆಕ್ಕಾಚಾರವನ್ನು ಈ ಕೆಳಗಿನಂತೆ ನೀಡಲಾಗಿದೆ.

ತಿಂಗಳು	ತಿಂಗಳ ಆರಂಭದಲ್ಲಿ ಬ್ಯಾಲೆನ್ಸ್ (INR)	ವಿಮೋಚನೆ ಮೊತ್ತ (INR)	ಗಳಿಸಿದ ಬಡ್ಡಿ (INR)	ತಿಂಗಳ ಕೊನೆಯಲ್ಲಿ ಬ್ಯಾಲೆನ್ಸ್ (INR)
1	1,20,000	10,000	642	1,10,642
2	1,10,642	10,000	587	1,01,229
3	1,01,229	10,000	532	91,761
4	91,761	10,000	477	82,238
5	82,238	10,000	421	72,659
6	72,659	10,000	366	63,025
7	63,025	10,000	309	53,334
8	53,334	10,000	253	43,587
9	43,587	10,000	196	33,783
10	33,783	10,000	139	23,921
11	23,921	10,000	81	14,003
12	14,003	10,000	23	4,026

ಹೀಗಾಗಿ, ಮೇಲಿನ ಕೋಷ್ಟಕದಿಂದ, SWP ವಹಿವಾಟಿನ ಮೂಲಕ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯೋಜನೆಯ ಲಾಭವು INR 4,026 ಆಗಿದೆ ಎಂದು ಹೇಳಬಹುದು.

SWP Calculator

VALUE AT END OF TENOR:₹4,597

ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯ ಪ್ರಯೋಜನಗಳು

SWP ಯ ಕೆಲವು ಪ್ರಮುಖ ಪ್ರಯೋಜನಗಳು ಈ ಕೆಳಗಿನಂತಿವೆ.

ನಿಯಮಿತ ಆದಾಯದ ಹರಿವು

SWP ಯ ಪ್ರಾಥಮಿಕ ಪ್ರಯೋಜನವೆಂದರೆ ವ್ಯಕ್ತಿಗಳು ವ್ಯವಸ್ಥಿತ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಯೋಜನೆಯನ್ನು ನಿಯಮಿತ ಆದಾಯದ ಮೂಲವಾಗಿ ಬಳಸಬಹುದು. ಏಕೆಂದರೆ ಹಿಂತೆಗೆದುಕೊಳ್ಳಲಾದ ಮೊತ್ತವು ಸ್ಥಿರವಾಗಿರುತ್ತದೆ.

ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸ

ನಿರ್ದಿಷ್ಟ ಮೊತ್ತವನ್ನು ಮಾತ್ರ ಹಿಂಪಡೆಯಲಾಗುತ್ತದೆ ಮತ್ತು ಉಳಿದ ಹಣವನ್ನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ SWP ವ್ಯಕ್ತಿಗಳಲ್ಲಿ ಶಿಸ್ತುಬದ್ಧ ಹಿಂತೆಗೆದುಕೊಳ್ಳುವ ಅಭ್ಯಾಸವನ್ನು ಸೃಷ್ಟಿಸುತ್ತದೆ. ಇದು ತಡೆಯುತ್ತದೆಬಂಡವಾಳ ಹೂಡಿಕೆಯ ಮೇಲೆ ಸವೆತ. ಅಲ್ಲದೆ, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ಹೂಡಿಕೆಯು ಆದಾಯವನ್ನು ಉತ್ಪಾದಿಸುತ್ತದೆ.

ಪಿಂಚಣಿಗೆ ಬದಲಿ

SWP ನಿವೃತ್ತ ವ್ಯಕ್ತಿಗಳ ಸಂದರ್ಭದಲ್ಲಿ ಪಿಂಚಣಿಗೆ ಬದಲಿಯಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತದೆ. ನಿವೃತ್ತರು SWP ಮೂಲಕ ನಿಯಮಿತ ಆದಾಯಕ್ಕಾಗಿ ತಮ್ಮನ್ನು ತಾವು ಭರವಸೆ ನೀಡಬಹುದು.

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2022 ರ ಅತ್ಯುತ್ತಮ SWP ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳಂತಹ ಕಡಿಮೆ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿರುವ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳಲ್ಲಿ SWP ಅನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ಮಾಡಲಾಗುತ್ತದೆ. ಆದ್ದರಿಂದ, ಲಿಕ್ವಿಡ್ / ಅಲ್ಟ್ರಾಶಾರ್ಟ್ ವರ್ಗದ ಅಡಿಯಲ್ಲಿ ಕೆಲವು ಉತ್ತಮ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಯೋಜನೆಗಳು ನಿವ್ವಳ ಸ್ವತ್ತುಗಳಿಗಿಂತ ಹೆಚ್ಚು1000 ಕೋಟಿ ಈ ಕೆಳಗಿನಂತೆ ಪಟ್ಟಿಮಾಡಲಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Savings Fund Growth	₹521.407 ↑ 0.10	₹12,417	1.9	3.8	7.7	6.4	7.2	7.78%	5M 19D	7M 24D
BOI AXA Liquid Fund Growth	₹2,874.79 ↑ 0.53	₹1,531	1.8	3.6	7.5	6.3	7	7.07%	1M 28D	1M 28D
LIC MF Liquid Fund Growth	₹4,517.31 ↑ 0.89	₹8,924	1.8	3.6	7.4	6.2	7	7.94%	1M 27D	1M 27D
ICICI Prudential Ultra Short Term Fund Growth	₹26.4136 ↑ 0.00	₹13,590	1.8	3.6	7.4	6.2	6.9	7.6%	4M 28D	5M 12D
SBI Magnum Ultra Short Duration Fund Growth	₹5,700.94 ↑ 1.04	₹12,642	1.8	3.6	7.4	6.1	7	7.44%	5M 8D	5M 23D
Axis Liquid Fund Growth	₹2,779.55 ↑ 0.54	₹25,269	1.8	3.6	7.4	6.3	7.1	7.19%	1M 29D	1M 29D
Invesco India Liquid Fund Growth	₹3,432.31 ↑ 0.67	₹13,767	1.8	3.6	7.4	6.2	7	7.16%	1M 18D	1M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Nov 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 (06 Nov 24)	₹521.407 ↑ 0.10 (0.02 %)
Net Assets (Cr)	₹12,417 on 30 Sep 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.09
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.78%
Effective Maturity	7 Months 24 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,725
31 Oct 21	₹11,155
31 Oct 22	₹11,636
31 Oct 23	₹12,469
31 Oct 24	₹13,431

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 6 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.4%
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	10.29 Yr.
Kaustubh Gupta	15 Jul 11	13.22 Yr.
Monika Gandhi	22 Mar 21	3.53 Yr.
Dhaval Joshi	21 Nov 22	1.86 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	29.3%
Debt	70.39%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	68.33%
Government	16.12%
Cash Equivalent	15.23%

Credit Quality

Rating	Value
AA	23.73%
AAA	76.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	7%	₹820 Cr	82,000
Rural Electrification Corporation Limited Debentures \| -	4%	₹500 Cr	50,000
Shriram Finance Company Limited Debentures \| -	4%	₹500 Cr	50,000 ↑ 40,000
Nirma Limited Debentures \| -	4%	₹500 Cr	50,000
National Housing Bank 7.78% Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	3%	₹360 Cr	36,000
Bharti Telecom Limited Debentures \| -	3%	₹325 Cr	3,250
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹300 Cr	30,000
7.72% Govt Stock 2028 Sovereign Bonds \| -	2%	₹291 Cr	29,000,000
Nirma Limited 8.3% Debentures \| -	2%	₹250 Cr	25,000

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 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 (06 Nov 24)	₹2,874.79 ↑ 0.53 (0.02 %)
Net Assets (Cr)	₹1,531 on 30 Sep 24
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	3.95
Information Ratio	-1.55
Alpha Ratio	-0.07
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	1 Month 28 Days
Modified Duration	1 Month 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,445
31 Oct 21	₹10,774
31 Oct 22	₹11,247
31 Oct 23	₹12,032
31 Oct 24	₹12,930

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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.5%
3 Year	6.3%
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	3.13 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.76%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	45.52%
Corporate	44.56%
Government	9.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹99 Cr	10,000,000 ↑ 10,000,000
Punjab National Bank Certificate of Deposit \| -	5%	₹74 Cr	7,500,000
Canara Bank Certificate of Deposit \| -	5%	₹74 Cr	7,500,000
HDFC Bank Limited Certificate of Deposit \| -	5%	₹74 Cr	7,500,000 ↑ 2,500,000
91 DTB 07112024 Sovereign Bonds \| -	4%	₹54 Cr	5,398,100
Axis Securities Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	3%	₹50 Cr	5,000,000
91 Day T-Bill 15.11.24 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹50 Cr	5,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹50 Cr	5,000,000

3. 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 (06 Nov 24)	₹4,517.31 ↑ 0.89 (0.02 %)
Net Assets (Cr)	₹8,924 on 30 Sep 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	2.93
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.94%
Effective Maturity	1 Month 27 Days
Modified Duration	1 Month 27 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,466
31 Oct 21	₹10,796
31 Oct 22	₹11,252
31 Oct 23	₹12,023
31 Oct 24	₹12,915

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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
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 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.7%
Other	0.3%

Debt Sector Allocation

Sector	Value
Cash Equivalent	58.98%
Corporate	38.49%
Government	2.24%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivables / (Payables) Net Current Assets \| -	12%	-₹1,077 Cr
91 DTB 31102024 Sovereign Bonds \| -	4%	₹398 Cr	40,000,000
91 DTB 28112024 Sovereign Bonds \| -	4%	₹396 Cr	40,000,000
State Bank Of India Certificate of Deposit \| -	4%	₹394 Cr	8,000 ↑ 8,000
Punjab National Bank Certificate of Deposit \| -	4%	₹346 Cr	7,000
91 DTB 07112024 Sovereign Bonds \| -	3%	₹298 Cr	30,000,000
91 DTB 15112024 Sovereign Bonds \| -	3%	₹298 Cr	30,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹296 Cr	6,000
Motilal Oswal Financial Services Limited Commercial Paper \| -	3%	₹282 Cr	5,700
Punjab National Bank Domestic Bonds \| -	3%	₹249 Cr	5,000 ↑ 5,000

4. 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 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 (06 Nov 24)	₹26.4136 ↑ 0.00 (0.02 %)
Net Assets (Cr)	₹13,590 on 15 Oct 24
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.18
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 12 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,702
31 Oct 21	₹11,141
31 Oct 22	₹11,593
31 Oct 23	₹12,398
31 Oct 24	₹13,320

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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7.5%

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	7.88 Yr.
Ritesh Lunawat	15 Jun 17	7.3 Yr.

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

Asset Allocation

Asset Class	Value
Cash	58.45%
Debt	41.31%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	60.73%
Cash Equivalent	27.59%
Government	10.69%
Securitized	0.75%

Credit Quality

Rating	Value
AA	10.99%
AAA	89.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹391 Cr	40,000,000 ↑ 40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹389 Cr	40,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹372 Cr	3,750
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹297 Cr	3,000
India (Republic of) - \| -	2%	₹296 Cr	30,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹292 Cr	6,000
Indusind Bank Ltd. Debentures \| -	2%	₹244 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹235 Cr	2,350
Indusind Bank Ltd. Debentures \| -	2%	₹219 Cr	4,500

5. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Return for 2023 was 7% , 2022 was 4.5% and 2021 was 3.4% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (06 Nov 24)	₹5,700.94 ↑ 1.04 (0.02 %)
Net Assets (Cr)	₹12,642 on 30 Sep 24
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	1.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,625
31 Oct 21	₹10,983
31 Oct 22	₹11,412
31 Oct 23	₹12,210
31 Oct 24	₹13,117

SBI Magnum Ultra Short Duration 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 SBI Magnum 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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.1%
5 Year	5.6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.5%
2021	3.4%
2020	5.9%
2019	8%
2018	7.9%
2017	6.6%
2016	7.7%
2015	8.3%
2014	9%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Arun R.	1 Jun 21	3.34 Yr.
Ardhendu Bhattacharya	1 Dec 23	0.84 Yr.
Pradeep Kesavan	1 Dec 23	0.84 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	62.49%
Debt	37.28%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	57.89%
Cash Equivalent	31.55%
Government	10.32%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
LIC Housing Finance Limited Debentures \| -	4%	₹494 Cr	5,000 ↑ 4,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹471 Cr	4,750
182 Day T-Bill 11.10.24 Sovereign Bonds \| -	4%	₹449 Cr	45,000,000 ↑ 45,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹418 Cr	4,250 ↑ 4,250
Power Finance Corporation Limited Debentures \| -	3%	₹383 Cr	3,850
191 DTB 24102024 Sovereign Bonds \| -	3%	₹374 Cr	37,500,000
Hdb Financial Services Limited Debentures \| -	3%	₹345 Cr	34,500
91 Day T-Bill 31.10.24 Sovereign Bonds \| -	2%	₹275 Cr	27,646,400
LIC Housing Finance Ltd Debentures \| -	2%	₹249 Cr	2,500
Equitas Small Finance Bank Ltd. Debentures \| -	2%	₹246 Cr	5,000

6. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved.

Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2023 was 7.1% , 2022 was 4.9% and 2021 was 3.3% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund Growth
Launch Date	9 Oct 09
NAV (06 Nov 24)	₹2,779.55 ↑ 0.54 (0.02 %)
Net Assets (Cr)	₹25,269 on 30 Sep 24
Category	Debt - Liquid Fund
AMC	Axis Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.23
Sharpe Ratio	2.81
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.19%
Effective Maturity	1 Month 29 Days
Modified Duration	1 Month 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,466
31 Oct 21	₹10,799
31 Oct 22	₹11,269
31 Oct 23	₹12,054
31 Oct 24	₹12,947

Axis 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 Axis 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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	4.9%
2021	3.3%
2020	4.3%
2019	6.6%
2018	7.5%
2017	6.7%
2016	7.6%
2015	8.4%
2014	9.1%

Fund Manager information for Axis Liquid Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	11.91 Yr.
Aditya Pagaria	13 Aug 16	8.14 Yr.
Sachin Jain	3 Jul 23	1.25 Yr.

Data below for Axis Liquid Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	99.69%
Other	0.31%

Debt Sector Allocation

Sector	Value
Cash Equivalent	60.87%
Corporate	36.87%
Government	1.95%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Net Receivables / (Payables) Net Current Assets \| -	10%	-₹2,408 Cr
182 DTB 01112024 Sovereign Bonds \| -	5%	₹1,363 Cr	137,000,000
91 DTB 21112024 Sovereign Bonds \| -	5%	₹1,160 Cr	117,000,000
HDFC Bank Limited Certificate of Deposit \| -	4%	₹986 Cr	20,000 ↑ 5,000
Export Import Bank Of India Commercial Paper \| -	4%	₹963 Cr	19,500 ↓ -500
91 DTB 07112024 Sovereign Bonds \| -	3%	₹859 Cr	86,500,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹843 Cr	17,000
Reliance Jio Infocomm Limited Commercial Paper \| -	3%	₹742 Cr	15,000
IDFC First Bank Limited Certificate of Deposit \| -	3%	₹741 Cr	15,000
State Bank Of India Certificate of Deposit \| -	3%	₹690 Cr	14,000 ↑ 14,000

7. Invesco India Liquid Fund

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities.

Invesco India Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 06. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 9 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.3% .

Below is the key information for Invesco India Liquid Fund

Invesco India Liquid Fund Growth
Launch Date	17 Nov 06
NAV (06 Nov 24)	₹3,432.31 ↑ 0.67 (0.02 %)
Net Assets (Cr)	₹13,767 on 30 Sep 24
Category	Debt - Liquid Fund
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.22
Sharpe Ratio	3.02
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.16%
Effective Maturity	1 Month 18 Days
Modified Duration	1 Month 18 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,443
31 Oct 21	₹10,774
31 Oct 22	₹11,237
31 Oct 23	₹12,013
31 Oct 24	₹12,902

Invesco 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 Invesco 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 6 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	6.2%
5 Year	5.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.8%
2021	3.3%
2020	4.1%
2019	6.5%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.4%
2014	9.1%

Fund Manager information for Invesco India Liquid Fund

Name	Since	Tenure
Krishna Cheemalapati	25 Apr 11	13.44 Yr.
Prateek Jain	14 Feb 22	2.63 Yr.

Data below for Invesco India Liquid Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	99.84%
Other	0.16%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.92%
Corporate	32.84%
Government	1.08%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Limited Certificate of Deposit \| -	3%	₹393 Cr	40,000,000 ↑ 40,000,000
Bank Of Baroda Certificate of Deposit \| -	3%	₹393 Cr	40,000,000 ↑ 40,000,000
Canara Bank Certificate of Deposit \| -	3%	₹345 Cr	35,000,000 ↑ 35,000,000
Small Industries Development Bank Of India Certificate of Deposit \| -	2%	₹320 Cr	32,500,000 ↑ 32,500,000
91 DTB 07112024 Sovereign Bonds \| -	2%	₹298 Cr	30,000,000
91 Day T-Bill 15.11.24 Sovereign Bonds \| -	2%	₹298 Cr	30,000,000
91 DTB 21112024 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
91 DTB 28112024 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
91 DTB 05122024 Sovereign Bonds \| -	2%	₹297 Cr	30,000,000
191 DTB 12/12/2024 Sovereign Bonds \| -	2%	₹296 Cr	30,000,000 ↑ 30,000,000

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