ഫിൻകാഷ് »മ്യൂച്വൽ ഫണ്ടുകൾ »ഒരു വർഷത്തേക്കുള്ള മികച്ച SIP പ്ലാനുകൾ
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മികച്ച SIP പ്ലാനുകൾ? അവരെ എങ്ങനെ തിരഞ്ഞെടുക്കാം? ചിന്തിക്കുമ്പോൾ നിക്ഷേപകരുടെ മനസ്സിൽ ഉണ്ടാകുന്ന പൊതുവായ ചില ചോദ്യങ്ങളാണിത്മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നു എ വഴിഎസ്.ഐ.പി അല്ലെങ്കിൽ വ്യവസ്ഥാപിതംനിക്ഷേപ പദ്ധതി.
SIP നിക്ഷേപം ഏറ്റവും അച്ചടക്കമുള്ള ഒന്നാണ്നിക്ഷേപിക്കുന്നു നിക്ഷേപം നടത്തുമ്പോൾ ഓപ്ഷനുകൾമ്യൂച്വൽ ഫണ്ടുകൾ. മാത്രമല്ല, ഒരു SIP മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നതിനുള്ള ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയിൽ താഴെയാണ്. ഇത് നിക്ഷേപം നടത്തുന്നുടോപ്പ് SIP വളരെ സൗകര്യപ്രദമായ പദ്ധതികൾ.
മ്യൂച്വൽ ഫണ്ടുകളിലെ എസ്ഐപി നിക്ഷേപമാണ് സമ്പാദ്യശീലം വളർത്തിയെടുക്കുന്നതിനുള്ള ഏറ്റവും സൗകര്യപ്രദമായ മാർഗം. മിക്കപ്പോഴും, ഏറ്റവും പുതിയ തലമുറ വരുമാനമുള്ള ആളുകൾ കൂടുതൽ ലാഭിക്കുന്നില്ല. ഒരു സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്മെന്റ് പ്ലാൻ ലഭിക്കുന്നതിന്, പ്രാരംഭ തുക 500 രൂപയിൽ താഴെയുള്ളതിനാൽ, വൻതോതിൽ നിക്ഷേപം ആവശ്യമില്ല, കൂടാതെ ചില ഫണ്ടുകൾ പ്രതിമാസം 100 രൂപയ്ക്ക് എസ്ഐപി വാഗ്ദാനം ചെയ്യുന്നു. ചെറുപ്പം മുതലേ ഒരാൾക്ക് അവരുടെ സമ്പാദ്യം ഒരു നിക്ഷേപമായി മാറ്റുന്നത് ശീലമാക്കാം. SIP, അതുവഴി ഓരോ മാസവും ലാഭിക്കാൻ ഒരു നിശ്ചിത തുക നീക്കിവെക്കുന്നു. അതിനാൽ സ്മാർട് നിക്ഷേപത്തിന്റെ ഏറ്റവും പ്രധാനപ്പെട്ട ഉപകരണങ്ങളിലൊന്നാണ് സിസ്റ്റമാറ്റിക് ഇൻവെസ്റ്റ്മെന്റ് പ്ലാനുകൾ.
നിങ്ങൾക്കായി തയ്യാറെടുക്കാൻ SIP-യുടെ സഹായംസാമ്പത്തിക ലക്ഷ്യങ്ങൾ തടസ്സമില്ലാത്ത രീതിയിൽ. ഒരു എസ്ഐപി ഉണ്ടായിരിക്കുന്നത് വളരെ സൗകര്യപ്രദമാണ്, കാരണം മ്യൂച്വൽ ഫണ്ടുകൾക്ക് പേപ്പർ വർക്ക് ഒരു തവണ മാത്രമേ ചെയ്യേണ്ടൂ, അതിനുശേഷം പ്രതിമാസ തുകകൾ ഡെബിറ്റ് ചെയ്യപ്പെടും.ബാങ്ക് ഇടപെടാതെ നേരിട്ട് അക്കൗണ്ട്. തൽഫലമായി, എസ്ഐപിക്ക് മറ്റ് നിക്ഷേപങ്ങൾക്കും സേവിംഗ്സ് ഓപ്ഷനുകൾക്കും ആവശ്യമായ പരിശ്രമങ്ങൾ ആവശ്യമില്ല.
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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 ₹534.191
↑ 0.10 ₹16,798 1,000 1.7 3.7 7.6 6.8 7.9 7.84% 5M 19D 7M 20D BOI AXA Liquid Fund Growth ₹2,946.38
↑ 0.58 ₹1,855 1,000 1.7 3.5 7.3 6.7 7.4 7.22% 1M 17D 1M 17D Indiabulls Liquid Fund Growth ₹2,472.6
↑ 0.48 ₹180 500 1.7 3.5 7.3 6.5 7.4 7.2% 1M 8D 1M 9D Mirae Asset Cash Management Fund Growth ₹2,682.44
↑ 0.52 ₹13,882 1,000 1.7 3.5 7.2 6.6 7.3 7.23% 1M 6D 1M 7D ICICI Prudential Liquid Fund Growth ₹378.675
↑ 0.07 ₹56,989 99 1.7 3.5 7.2 6.6 7.4 7.27% 1M 20D 1M 24D LIC MF Liquid Fund Growth ₹4,625.45
↑ 0.90 ₹12,287 1,000 1.7 3.5 7.2 6.6 7.4 7.25% 1M 6D 1M 6D Principal Cash Management Fund Growth ₹2,257.33
↑ 0.42 ₹6,043 2,000 1.7 3.5 7.2 6.6 7.3 7.33% 1M 6D 1M 6D Tata Liquid Fund Growth ₹4,028.1
↑ 0.78 ₹23,491 500 1.7 3.5 7.2 6.6 7.3 7.26% 1M 4D 1M 4D Nippon India Liquid Fund Growth ₹6,242.05
↑ 1.24 ₹31,095 100 1.7 3.5 7.2 6.6 7.3 7.3% 1M 6D 1M 9D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Mar 25
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved. Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a Below is the key information for Indiabulls Liquid Fund Returns up to 1 year are on The investment objective of the scheme
is to generate consistent returns with a
high level of liquidity in a judicious
portfolio mix comprising of money
market and debt instruments. The
Scheme does not guarantee any
returns. Mirae Asset Cash Management Fund is a Debt - Liquid Fund fund was launched on 12 Jan 09. It is a fund with Low risk and has given a Below is the key information for Mirae Asset Cash Management Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Liquid Plan) To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities. ICICI Prudential Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential Liquid Fund Returns up to 1 year are on An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money market
instruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a Below is the key information for LIC MF Liquid Fund Returns up to 1 year are on To provide investors with as high a level of income available from short-term investments as is considered consistent with preservation of capital and maintenance of liquidity, by investing in a portfolio of money market and investment grade debt instruments.
The scheme will invest its assets in a portfolio of money market instruments. The investments will be in securities, which the Investment Manager believes present minimal liquidity and/or credit risks. Principal Cash Management Fund is a Debt - Liquid Fund fund was launched on 30 Aug 04. It is a fund with Low risk and has given a Below is the key information for Principal Cash Management Fund Returns up to 1 year are on (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 Below is the key information for Tata Liquid Fund Returns up to 1 year are on (Erstwhile Reliance Liquid Fund - Treasury Plan) The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized
return of 7.4% since its launch. Ranked 6 in Ultrashort Bond
category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (13 Mar 25) ₹534.191 ↑ 0.10 (0.02 %) Net Assets (Cr) ₹16,798 on 31 Jan 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.7 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.84% Effective Maturity 7 Months 20 Days Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,626 28 Feb 22 ₹11,076 28 Feb 23 ₹11,643 29 Feb 24 ₹12,502 28 Feb 25 ₹13,466 Returns for Aditya Birla Sun Life Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.7% 1 Year 7.6% 3 Year 6.8% 5 Year 6.2% 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 Jan 25
Asset Allocation
Asset Class Value Cash 49.07% Debt 50.65% Other 0.28% Debt Sector Allocation
Sector Value Corporate 64.46% Cash Equivalent 31.98% Government 3.28% Credit Quality
Rating Value AA 32.68% AAA 67.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -5% ₹820 Cr 82,000 Shriram Finance Company Limited
Debentures | -4% ₹603 Cr 60,000 Nirma Limited
Debentures | -3% ₹486 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹469 Cr 47,500,000 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 Mankind Pharma Ltd
Debentures | -2% ₹305 Cr 30,500 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹301 Cr 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹299 Cr 30,000 ICICI Home Finance Company Limited
Debentures | -2% ₹270 Cr 27,000 Sk Finance Ltd
Debentures | -2% ₹248 Cr 25,000 2. BOI AXA Liquid Fund
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% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (16 Mar 25) ₹2,946.38 ↑ 0.58 (0.02 %) Net Assets (Cr) ₹1,855 on 31 Jan 25 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 5.46 Information Ratio -0.95 Alpha Ratio 0.06 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.22% Effective Maturity 1 Month 17 Days Modified Duration 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,379 28 Feb 22 ₹10,726 28 Feb 23 ₹11,305 29 Feb 24 ₹12,126 28 Feb 25 ₹13,019 Returns for BOI AXA Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.3% 3 Year 6.7% 5 Year 5.4% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.4% 2017 7.4% 2016 6.7% 2015 7.6% 2014 8.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.54 Yr. Data below for BOI AXA Liquid Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 73.99% Corporate 22.92% Government 2.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 10042025
Sovereign Bonds | -7% ₹129 Cr 13,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -6% ₹100 Cr 10,000,000 HDFC Bank Limited
Certificate of Deposit | -6% ₹100 Cr 10,000,000 Union Bank Of India
Certificate of Deposit | -6% ₹99 Cr 10,000,000 LIC Housing Finance Ltd
Commercial Paper | -4% ₹75 Cr 7,500,000
↑ 5,000,000 Bank Of Baroda
Certificate of Deposit | -4% ₹74 Cr 7,500,000
↑ 2,500,000 Canara Bank
Certificate of Deposit | -4% ₹74 Cr 7,500,000
↑ 7,500,000 HDFC Securities Limited
Commercial Paper | -4% ₹74 Cr 7,500,000
↑ 7,500,000 91 Days Tbill Red 24-04-2025
Sovereign Bonds | -3% ₹54 Cr 5,500,000
↓ -2,000,000 Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -3% ₹50 Cr 5,000,000 3. Indiabulls Liquid Fund
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% . Indiabulls Liquid Fund
Growth Launch Date 27 Oct 11 NAV (13 Mar 25) ₹2,472.6 ↑ 0.48 (0.02 %) Net Assets (Cr) ₹180 on 31 Jan 25 Category Debt - Liquid Fund AMC Indiabulls Asset Management Company Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.43 Information Ratio -3.12 Alpha Ratio -0.01 Min Investment 500 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.2% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 8 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,364 28 Feb 22 ₹10,677 28 Feb 23 ₹11,220 29 Feb 24 ₹12,002 28 Feb 25 ₹12,877 Returns for Indiabulls Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.3% 3 Year 6.5% 5 Year 5.2% 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 1.81 Yr. Data below for Indiabulls Liquid Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.69% Other 0.31% Debt Sector Allocation
Sector Value Cash Equivalent 86.13% Corporate 13.57% Credit Quality
Rating Value AA 5.82% AAA 94.18% Top Securities Holdings / Portfolio
Name Holding Value Quantity 91 Days Tbill
Sovereign Bonds | -11% ₹20 Cr 2,000,000
↑ 500,000 Export-Import Bank Of India
Commercial Paper | -8% ₹15 Cr 1,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -6% ₹10 Cr 1,000,000 LIC Housing Finance Ltd
Debentures | -6% ₹10 Cr 1,000,000 Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -6% ₹10 Cr 1,000,000 ICICI Bank - 25/02/2025
Certificate of Deposit | -6% ₹10 Cr 1,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -6% ₹10 Cr 1,000,000
↑ 1,000,000 Indian Bank
Certificate of Deposit | -6% ₹10 Cr 1,000,000 91 Days Tbill
Sovereign Bonds | -5% ₹10 Cr 1,000,000
↑ 1,000,000 Bank Of Baroda
Certificate of Deposit | -5% ₹10 Cr 1,000,000
↑ 1,000,000 4. Mirae Asset Cash Management Fund
CAGR/Annualized
return of 6.3% since its launch. Ranked 48 in Liquid Fund
category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Mirae Asset Cash Management Fund
Growth Launch Date 12 Jan 09 NAV (14 Mar 25) ₹2,682.44 ↑ 0.52 (0.02 %) Net Assets (Cr) ₹13,882 on 31 Jan 25 Category Debt - Liquid Fund AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating ☆☆ Risk Low Expense Ratio 0.15 Sharpe Ratio 4.34 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.23% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,386 28 Feb 22 ₹10,734 28 Feb 23 ₹11,304 29 Feb 24 ₹12,117 28 Feb 25 ₹13,000 Returns for Mirae Asset Cash Management Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 6.6% 5 Year 5.4% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 7% 2021 4.8% 2020 3.3% 2019 4.2% 2018 6.6% 2017 7.3% 2016 6.6% 2015 7.2% 2014 7.8% Fund Manager information for Mirae Asset Cash Management Fund
Name Since Tenure Amit Modani 1 Nov 24 0.33 Yr. Data below for Mirae Asset Cash Management Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 76.92% Corporate 22.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -13% ₹1,979 Cr Bank Of Baroda
Certificate of Deposit | -2% ₹349 Cr 35,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹348 Cr 35,000,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹324 Cr 32,500,000
↑ 2,500,000 91 Days Tbill Red 27-02-2025
Sovereign Bonds | -2% ₹299 Cr 30,000,000 91 Days Tbill
Sovereign Bonds | -2% ₹295 Cr 30,000,000
↑ 30,000,000 Canara Bank
Certificate of Deposit | -2% ₹274 Cr 27,500,000 91 DTB 20032025
Sovereign Bonds | -2% ₹273 Cr 27,500,000 91 Days Tbill
Sovereign Bonds | -2% ₹271 Cr 27,500,000 Union Bank Of India
Certificate of Deposit | -2% ₹250 Cr 25,000,000 5. ICICI Prudential Liquid Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 20 in Liquid Fund
category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.8% . ICICI Prudential Liquid Fund
Growth Launch Date 17 Nov 05 NAV (14 Mar 25) ₹378.675 ↑ 0.07 (0.02 %) Net Assets (Cr) ₹56,989 on 31 Jan 25 Category Debt - Liquid Fund AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 3.68 Information Ratio -2.47 Alpha Ratio -0.06 Min Investment 500 Min SIP Investment 99 Exit Load NIL Yield to Maturity 7.27% Effective Maturity 1 Month 24 Days Modified Duration 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,393 28 Feb 22 ₹10,735 28 Feb 23 ₹11,297 29 Feb 24 ₹12,108 28 Feb 25 ₹12,990 Returns for ICICI Prudential Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 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 7.4% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.6% 2017 7.4% 2016 6.6% 2015 7.7% 2014 8.3% Fund Manager information for ICICI Prudential Liquid Fund
Name Since Tenure Nikhil Kabra 1 Dec 23 1.25 Yr. Darshil Dedhia 12 Jun 23 1.72 Yr. Data below for ICICI Prudential Liquid Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 74.47% Corporate 22.98% Government 2.34% Credit Quality
Rating Value AA 1.01% AAA 98.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Certificate of Deposit | -3% ₹1,839 Cr 37,000 91 DTB 17042025
Sovereign Bonds | -3% ₹1,761 Cr 178,000,000
↓ -2,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹1,493 Cr 30,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹1,490 Cr 30,000 IDBI Bank Limited
Certificate of Deposit | -2% ₹1,475 Cr 30,000
↑ 30,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹1,279 Cr 26,000
↑ 26,000 91 Days Tbill Red 24-04-2025
Sovereign Bonds | -2% ₹1,207 Cr 122,076,600
↓ -10,500,000 Treps
CBLO/Reverse Repo | -2% ₹1,199 Cr 91 Days Tbill Red 08-05-2025
Sovereign Bonds | -2% ₹1,139 Cr 115,500,000
↑ 115,500,000 Axis Bank Limited
Certificate of Deposit | -2% ₹1,044 Cr 21,200 6. LIC MF Liquid Fund
CAGR/Annualized
return of 6.9% since its launch. Ranked 25 in Liquid Fund
category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.7% . LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (14 Mar 25) ₹4,625.45 ↑ 0.90 (0.02 %) Net Assets (Cr) ₹12,287 on 31 Jan 25 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.24 Sharpe Ratio 3.63 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.25% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,392 28 Feb 22 ₹10,735 28 Feb 23 ₹11,295 29 Feb 24 ₹12,103 28 Feb 25 ₹12,986 Returns for LIC MF Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 6.6% 5 Year 5.4% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7% 2021 4.7% 2020 3.3% 2019 4.3% 2018 6.5% 2017 7.3% 2016 6.6% 2015 7.6% 2014 8.4% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 9.41 Yr. Data below for LIC MF Liquid Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 85.41% Corporate 14.3% Government 0.06% Credit Quality
Rating Value AA 2.27% AAA 97.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity Export-Import Bank Of India
Commercial Paper | -4% ₹448 Cr 9,000 91 Days Tbill Red 27-02-2025
Sovereign Bonds | -3% ₹399 Cr 40,000,000 91 DTB 17042025
Sovereign Bonds | -3% ₹396 Cr 40,000,000 91 Days Tbill Red 08-05-2025
Sovereign Bonds | -3% ₹394 Cr 40,000,000
↑ 40,000,000 91 DTB 06032025
Sovereign Bonds | -3% ₹349 Cr 35,000,000
↓ -15,000,000 Birla Group Holdings Private Limited
Commercial Paper | -3% ₹300 Cr 6,000 Bank Of Baroda
Certificate of Deposit | -3% ₹299 Cr 6,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹299 Cr 6,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹299 Cr 6,000 91 DTB 10042025
Sovereign Bonds | -2% ₹297 Cr 30,000,000 7. Principal Cash Management Fund
CAGR/Annualized
return of 6.5% since its launch. Ranked 5 in Liquid Fund
category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Principal Cash Management Fund
Growth Launch Date 30 Aug 04 NAV (15 Mar 25) ₹2,257.33 ↑ 0.42 (0.02 %) Net Assets (Cr) ₹6,043 on 31 Jan 25 Category Debt - Liquid Fund AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.29 Sharpe Ratio 3.23 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 2,000 Exit Load NIL Yield to Maturity 7.33% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,342 28 Feb 22 ₹10,678 28 Feb 23 ₹11,246 29 Feb 24 ₹12,050 28 Feb 25 ₹12,921 Returns for Principal Cash Management Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 6.6% 5 Year 5.3% 10 Year 15 Year Since launch 6.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 3.8% 2018 6.2% 2017 -1.8% 2016 6.8% 2015 7.7% 2014 8.4% Fund Manager information for Principal Cash Management Fund
Name Since Tenure Dwijendra Srivastava 1 Jan 22 3.16 Yr. Sandeep Agarwal 16 May 22 2.79 Yr. Data below for Principal Cash Management Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.76% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 78.57% Corporate 20.37% Government 0.81% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Limited
Certificate of Deposit | -5% ₹324 Cr 6,500 Indian Bank
Certificate of Deposit | -4% ₹249 Cr 5,000 Bank Of Baroda
Certificate of Deposit | -4% ₹246 Cr 5,000
↑ 5,000 Union Bank Of India
Certificate of Deposit | -4% ₹224 Cr 4,500 Punjab National Bank
Certificate of Deposit | -3% ₹199 Cr 4,000 91 Days Tbill Red 08-05-2025
Sovereign Bonds | -3% ₹197 Cr 20,000,000
↑ 20,000,000 Tata Capital Ltd.
Commercial Paper | -3% ₹197 Cr 4,000
↑ 4,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹149 Cr 3,000 Indian Bank - 06/05/2025**
Net Current Assets | -2% ₹148 Cr 3,000
↑ 3,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹148 Cr 3,000
↑ 3,000 8. Tata Liquid Fund
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% . Tata Liquid Fund
Growth Launch Date 1 Sep 04 NAV (14 Mar 25) ₹4,028.1 ↑ 0.78 (0.02 %) Net Assets (Cr) ₹23,491 on 31 Jan 25 Category Debt - Liquid Fund AMC Tata Asset Management Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 3.87 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.26% Effective Maturity 1 Month 4 Days Modified Duration 1 Month 4 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,394 28 Feb 22 ₹10,738 28 Feb 23 ₹11,300 29 Feb 24 ₹12,109 28 Feb 25 ₹12,987 Returns for Tata Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 6.6% 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 11.38 Yr. Abhishek Sonthalia 6 Feb 20 5.07 Yr. Harsh Dave 1 Aug 24 0.58 Yr. Data below for Tata Liquid Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 82.67% Corporate 17.02% Government 0.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Limited
Commercial Paper | -6% ₹1,738 Cr 35,000
↑ 35,000 91 Days Tbill Red 24-04-2025
Sovereign Bonds | -4% ₹1,235 Cr 125,000,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹1,230 Cr 25,000
↑ 25,000 91 DTB 06032025
Sovereign Bonds | -4% ₹1,097 Cr 110,000,000
↑ 47,500,000 Reliance Retail Ventures Limited
Commercial Paper | -4% ₹994 Cr 20,000 Bank Of Baroda
Certificate of Deposit | -3% ₹984 Cr 20,000
↑ 20,000 Reliance Retail Ventures Limited
Commercial Paper | -3% ₹983 Cr 20,000
↑ 20,000 91 DTB 21022025
Sovereign Bonds | -3% ₹954 Cr 95,500,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹871 Cr 17,500
↓ -7,000 Bajaj Finance Limited
Commercial Paper | -3% ₹839 Cr 17,000 9. Nippon India Liquid Fund
CAGR/Annualized
return of 6.9% since its launch. Ranked 11 in Liquid Fund
category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (14 Mar 25) ₹6,242.05 ↑ 1.24 (0.02 %) Net Assets (Cr) ₹31,095 on 31 Jan 25 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 3.29 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.3% Effective Maturity 1 Month 9 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,389 28 Feb 22 ₹10,733 28 Feb 23 ₹11,294 29 Feb 24 ₹12,103 28 Feb 25 ₹12,981 Returns for Nippon India Liquid Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 13 Mar 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.5% 1 Year 7.2% 3 Year 6.6% 5 Year 5.4% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 7% 2021 4.8% 2020 3.2% 2019 4.3% 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% 2014 8.3% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Siddharth Deb 1 Mar 22 3 Yr. Kinjal Desai 25 May 18 6.77 Yr. Vikash Agarwal 14 Sep 24 0.46 Yr. Data below for Nippon India Liquid Fund as on 31 Jan 25
Asset Allocation
Asset Class Value Cash 99.79% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 75.31% Corporate 22.69% Government 1.79% Credit Quality
Rating Value AA 0.08% AAA 99.92% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reverse Repo
CBLO/Reverse Repo | -5% ₹1,933 Cr 91 DTB 20032025
Sovereign Bonds | -3% ₹1,169 Cr 117,500,000
↑ 500,000 91 DTB 13032025
Sovereign Bonds | -2% ₹702 Cr 70,479,300
↓ -13,000,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹648 Cr 13,000
↓ -2,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹624 Cr 12,500
↓ -2,000 91 Days Tbill
Sovereign Bonds | -2% ₹623 Cr 63,216,000
↑ 63,216,000 Biocon Ltd
Commercial Paper | -2% ₹560 Cr 11,400 Union Bank Of India
Certificate of Deposit | -2% ₹548 Cr 11,000
↓ -4,000 HDFC Bank Limited
Certificate of Deposit | -1% ₹523 Cr 10,500 Bank Of Baroda
Certificate of Deposit | -1% ₹498 Cr 10,000
Fincash.com-ൽ ആജീവനാന്ത സൗജന്യ നിക്ഷേപ അക്കൗണ്ട് തുറക്കുക.
നിങ്ങളുടെ രജിസ്ട്രേഷനും KYC പ്രക്രിയയും പൂർത്തിയാക്കുക
രേഖകൾ അപ്ലോഡ് ചെയ്യുക (പാൻ, ആധാർ മുതലായവ).കൂടാതെ, നിങ്ങൾ നിക്ഷേപിക്കാൻ തയ്യാറാണ്!
എ: നിങ്ങൾ SIP-കൾ തിരഞ്ഞെടുക്കുമ്പോൾ, നിങ്ങൾ ആദ്യം പരിഗണിക്കേണ്ടത് കാലാവധിയാണ്. കാലാവധി പരിശോധിച്ച് നിക്ഷേപം നടത്തുന്നത് നല്ലതാണ്, കാരണം കാലാവധി പൂർത്തിയാക്കുന്നതിന് മുമ്പ് നിങ്ങളുടെ നിക്ഷേപം അവസാനിപ്പിക്കരുത്. നിങ്ങൾ അങ്ങനെ ചെയ്യുകയാണെങ്കിൽ, എക്സിറ്റ് ലോഡിന്റെ രൂപത്തിൽ പിഴ അടയ്ക്കേണ്ടി വന്നേക്കാം.
എ: അതെ, ഒരു വർഷത്തെ SIP-കൾ നല്ലതാണ്, പ്രത്യേകിച്ചും നിങ്ങൾ പെട്ടെന്നുള്ള വരുമാനം തേടുകയാണെങ്കിൽ. സാധാരണയായി, ഒരു വർഷത്തെ SIP-കളുടെ സഹായത്തോടെ, നിങ്ങളുടെ ഫണ്ട് പോർട്ട്ഫോളിയോയെ ആശ്രയിച്ച് നിങ്ങളുടെ നിക്ഷേപത്തിൽ 4.2% മുതൽ 6.2% വരെ ROI-കൾ പ്രതീക്ഷിക്കാം.
എ: നിങ്ങൾ മ്യൂച്വൽ ഫണ്ട് നിക്ഷേപങ്ങളിൽ പുതിയ ആളാണെങ്കിൽ നിക്ഷേപ പോർട്ട്ഫോളിയോ വൈവിധ്യവത്കരിക്കാൻ പദ്ധതിയിടുന്നുണ്ടെങ്കിൽ ഒരു വർഷത്തെ SIP-കൾ ഉപയോഗപ്രദമാണ്.
എ: നല്ലതും വേഗത്തിലുള്ളതുമായ വരുമാനം നൽകുന്നതിനാൽ ഒരു വർഷത്തെ എസ്ഐപികൾ യുവ നിക്ഷേപകർക്കിടയിൽ പ്രചാരം നേടുന്നു. നിങ്ങൾക്ക് മ്യൂച്വൽ ഫണ്ടുകൾ മനസ്സിലാക്കണമെങ്കിൽവിപണി, എങ്കിൽ ഒരു വർഷത്തെ SIP-കൾ ഒരു നല്ല ആശയമാണ്.
എ: നിങ്ങളുടെ നിക്ഷേപ പോർട്ട്ഫോളിയോ വൈവിധ്യവത്കരിക്കുന്നതിനുള്ള ഏറ്റവും മികച്ച മാർഗങ്ങളിലൊന്നാണ് SIP-കൾ. നിങ്ങൾ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന ഫണ്ടുകളും തുകയും തിരഞ്ഞെടുക്കാൻ ഇത് നിങ്ങളെ അനുവദിക്കുന്നു. കൃത്യമായ ഇടവേളകളിൽ ചെറിയ തുക നിക്ഷേപിക്കാൻ നിങ്ങൾക്ക് അവസരം ലഭിക്കും.
എ: പ്രകാരംസെബി നിർബന്ധിതമായി, SIP നിക്ഷേപകർ നിക്ഷേപകരെയും കമ്പനികളെയും സംരക്ഷിക്കുന്നതിന് 70:20:10 പ്രോട്ടോക്കോൾ പാലിക്കേണ്ടതുണ്ട്. ഈ നിയമം അനുസരിച്ച്, ഇക്വിറ്റി നിക്ഷേപത്തിന്റെ 70% വലിയ ക്യാപ് സ്റ്റോക്കുകളിലായിരിക്കും, 20%മിഡ് ക്യാപ് ഓഹരികൾ, കൂടാതെ 10%ചെറിയ തൊപ്പി ഓഹരികൾ. അതിനാൽ എസ്ഐപികൾ നിക്ഷേപങ്ങളെ വൈവിധ്യവൽക്കരിക്കുന്നു, മാത്രമല്ല എല്ലാം വലിയ ക്യാപ് സ്റ്റോക്കുകളിൽ മാത്രം കേന്ദ്രീകരിക്കപ്പെടുന്നില്ല.
എ: എസ്ഐപിയിൽ നിക്ഷേപിക്കാവുന്ന ഏറ്റവും കുറഞ്ഞ തുക 500 രൂപയാണ്. എന്നിരുന്നാലും, എസ്ഐപിയിൽ നിക്ഷേപിക്കുന്നതിന് ഉയർന്ന പരിധിയില്ല. നിങ്ങളുടെ ഫണ്ട് മാനേജരുമായി ഇത് പ്ലാൻ ചെയ്യാം.