Table of Contents

SIP मध्ये गुंतवणूक का करावी?
आर्थिक वर्ष 22 - 23 मध्ये 1 वर्षाच्या गुंतवणुकीसाठी सर्वोत्तम SIP योजना
म्युच्युअल फंड SIP मध्ये ऑनलाइन गुंतवणूक कशी करावी?
वारंवार विचारले जाणारे प्रश्न
Top 9 Funds

1 वर्षाच्या गुंतवणूक 2022 साठी 9 सर्वोत्तम SIP योजना

Updated on November 18, 2024 , 120161 views

सर्वोत्तम SIP योजना? त्यांना कसे निवडायचे? विचार करताना गुंतवणूकदारांच्या मनात हे काही सामान्य प्रश्न आहेतम्युच्युअल फंडात गुंतवणूक a द्वारेSIP किंवा पद्धतशीरगुंतवणूक योजना.

एसआयपी गुंतवणूक सर्वात शिस्तबद्ध एक आहेगुंतवणूक गुंतवणूक करताना पर्यायम्युच्युअल फंड. शिवाय, SIP म्युच्युअल फंडातील गुंतवणूकीची किमान रक्कम INR 500 इतकी कमी आहे. यामुळे गुंतवणूक करणे शक्य होते.शीर्ष SIP खूप सोयीस्कर योजना.

SIP मध्ये गुंतवणूक का करावी?

बचतीची सवय लावण्यासाठी म्युच्युअल फंडातील SIP गुंतवणूक हा सर्वात सोयीचा मार्ग आहे. बर्‍याचदा कमावत्या लोकांची तरुण पिढी जास्त बचत करत नाही. सिस्टीमॅटिक इन्व्हेस्टमेंट प्लॅन असण्यासाठी एखाद्याला मोठ्या प्रमाणात गुंतवणूक करण्याची आवश्यकता नाही कारण सुरुवातीची रक्कम रु 500 इतकी कमी आहे आणि काही फंड INR 100 साठी मासिक SIP देखील देतात. लहानपणापासूनच, एखाद्याला आपली बचत गुंतवणुकीचा एक प्रकार म्हणून करण्याची सवय लागू शकते. एसआयपी, त्याद्वारे प्रत्येक महिन्यात बचत करण्यासाठी निश्चित रक्कम बाजूला ठेवते. पद्धतशीर गुंतवणूक योजना हे स्मार्ट गुंतवणुकीचे सर्वात महत्वाचे साधन आहे.

एसआयपी तुम्हाला तुमच्यासाठी तयार करण्यात मदत करतेआर्थिक उद्दिष्टे त्रास-मुक्त पद्धतीने. एसआयपी असणे अत्यंत सोयीचे आहे कारण म्युच्युअल फंडांना कागदपत्रे फक्त एकदाच करावी लागतात ज्यानंतर मासिक रक्कम डेबिट केली जातेबँक हस्तक्षेप न करता थेट खाते. परिणामी, SIP ला इतर गुंतवणूक आणि बचत पर्यायांसाठी आवश्यक प्रयत्नांची आवश्यकता नसते.

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आर्थिक वर्ष 22 - 23 मध्ये 1 वर्षाच्या गुंतवणुकीसाठी सर्वोत्तम SIP योजना

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	₹522.987 ↑ 0.15	₹15,098	1,000	2	3.8	7.8	6.4	7.2	7.78%	5M 19D	7M 24D
BOI AXA Liquid Fund Growth	₹2,882.9 ↑ 0.49	₹1,848	1,000	1.8	3.6	7.5	6.3	7	6.86%	1M 28D	1M 24D
Invesco India Ultra Short Term Fund Growth	₹2,580.54 ↑ 0.79	₹1,265	1,000	1.8	3.6	7.4	5.9	6.6	7.47%	5M 13D	5M 28D
ICICI Prudential Ultra Short Term Fund Growth	₹26.4868 ↑ 0.01	₹14,206	1,000	1.8	3.6	7.4	6.2	6.9	7.53%	5M 1D	5M 16D
LIC MF Liquid Fund Growth	₹4,529.76 ↑ 0.76	₹10,697	1,000	1.8	3.6	7.4	6.2	7	6.99%	1M 4D	1M 4D
ICICI Prudential Liquid Fund Growth	₹370.776 ↑ 0.06	₹51,423	99	1.8	3.6	7.4	6.2	7	7.12%	1M 10D	1M 14D
Indiabulls Liquid Fund Growth	₹2,420.92 ↑ 0.43	₹516	500	1.8	3.6	7.4	6.1	6.8	7.12%	1M 29D	1M 16D
Mirae Asset Cash Management Fund Growth	₹2,626.27 ↑ 0.42	₹12,783	1,000	1.8	3.6	7.4	6.3	7	7.03%	1M 13D	1M 12D
Nippon India Liquid Fund Growth	₹6,112.16 ↑ 1.01	₹35,408	100	1.8	3.6	7.4	6.2	7	7.1%	1M 13D	1M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 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 (21 Nov 24)	₹522.987 ↑ 0.15 (0.03 %)
Net Assets (Cr)	₹15,098 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.54
Sharpe Ratio	2.85
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 21 Nov 24

Duration	Returns
1 Month	0.7%
3 Month	2%
6 Month	3.8%
1 Year	7.8%
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	10.38 Yr.
Kaustubh Gupta	15 Jul 11	13.31 Yr.
Monika Gandhi	22 Mar 21	3.62 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	36.98%
Debt	62.73%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	66.63%
Cash Equivalent	21.1%
Government	11.99%

Credit Quality

Rating	Value
AA	30.91%
AAA	69.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank 7.83% Debentures \| -	6%	₹820 Cr	82,000
Shriram Finance Company Limited Debentures \| -	4%	₹601 Cr	60,000 ↑ 10,000
Nirma Limited Debentures \| -	4%	₹501 Cr	50,000
Rural Electrification Corporation Limited Debentures \| -	3%	₹401 Cr	40,000 ↓ -10,000
National Housing Bank Debentures \| -	3%	₹400 Cr	40,000
Tata Realty And Infrastructure Limited Debentures \| -	3%	₹360 Cr	36,000
Bharti Telecom Limited Debentures \| -	2%	₹325 Cr	3,250
Govt Stock 04102028 Sovereign Bonds \| -	2%	₹317 Cr	31,500,000 ↑ 2,500,000
Bajaj Housing Finance Ltd. 8% Debentures \| -	2%	₹301 Cr	30,000
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 (21 Nov 24)	₹2,882.9 ↑ 0.49 (0.02 %)
Net Assets (Cr)	₹1,848 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	5.42
Information Ratio	-1.39
Alpha Ratio	-0.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.86%
Effective Maturity	1 Month 24 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 21 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	3.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 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
Net Receivables / (Payables) Net Current Assets \| -	7%	-₹123 Cr
India (Republic of) - \| -	5%	₹99 Cr	10,000,000
ICICI Bank Ltd. Debentures \| -	5%	₹98 Cr	10,000,000 ↑ 10,000,000
Repo CBLO/Reverse Repo \| -	5%	₹95 Cr
Canara Bank (06/12/2024) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
91 DTB 03012025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
Small Industries Dev Bank Of India (10/01/2025) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000 ↑ 7,500,000
182 DTB 01112024 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000
Reliance Retail Ventures Limited (12/11/2024) Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
Bajaj Financial Securities Limited (19/11/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000

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 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 (21 Nov 24)	₹2,580.54 ↑ 0.79 (0.03 %)
Net Assets (Cr)	₹1,265 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.74
Sharpe Ratio	0.88
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	5 Months 28 Days
Modified Duration	5 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,543
31 Oct 21	₹10,859
31 Oct 22	₹11,248
31 Oct 23	₹11,997
31 Oct 24	₹12,883

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 21 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.4%
3 Year	5.9%
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	4.83 Yr.
Vikas Garg	27 Jul 21	3.27 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	58.17%
Debt	41.65%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	56.9%
Cash Equivalent	35.06%
Government	7.86%

Credit Quality

Rating	Value
AA	20.69%
AAA	79.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 03012025 Sovereign Bonds \| -	4%	₹49 Cr	5,000,000 ↑ 5,000,000
Larsen & Toubro Ltd. 7.58% Debentures \| -	3%	₹35 Cr	3,500,000 ↑ 3,500,000
Export Import Bank Of India Debentures \| -	3%	₹30 Cr	3,000,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bharti Telecom Limited Debentures \| -	2%	₹25 Cr	2,500,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹25 Cr	2,500,000
TATA Steel Limited Debentures \| -	2%	₹25 Cr	2,500,000
Tata Projects Ltd. Debentures \| -	2%	₹25 Cr	2,500,000
LIC Housing Finance Ltd Debentures \| -	2%	₹25 Cr	2,500,000
Power Finance Corporation Limited Debentures \| -	2%	₹25 Cr	2,500,000 ↑ 2,500,000

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 (21 Nov 24)	₹26.4868 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹14,206 on 31 Oct 24
Category	Debt - Ultrashort Bond
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.86
Sharpe Ratio	1.73
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	5 Months 16 Days
Modified Duration	5 Months 1 Day

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 21 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	7.97 Yr.
Ritesh Lunawat	15 Jun 17	7.39 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	53.59%
Debt	46.16%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	60.64%
Cash Equivalent	25.32%
Government	13.04%
Securitized	0.74%

Credit Quality

Rating	Value
AA	12.82%
AAA	87.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	3%	₹392 Cr	40,000,000
364 DTB 13032025 Sovereign Bonds \| -	3%	₹390 Cr	40,000,000
Small Industries Development Bank Of India Debentures \| -	3%	₹372 Cr	3,750
LIC Housing Finance Limited Debentures \| -	2%	₹335 Cr	3,350 ↑ 2,350
Bharti Telecom Limited Debentures \| -	2%	₹326 Cr	32,500
L&T Metro Rail (Hyderabad) Limited Debentures \| -	2%	₹298 Cr	3,000
India (Republic of) - \| -	2%	₹297 Cr	30,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹293 Cr	6,000
Indusind Bank Ltd. Debentures \| -	2%	₹245 Cr	5,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹235 Cr	2,350

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 (21 Nov 24)	₹4,529.76 ↑ 0.76 (0.02 %)
Net Assets (Cr)	₹10,697 on 15 Nov 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	4.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	1 Month 4 Days
Modified Duration	1 Month 4 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 21 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	9.08 Yr.

Data below for LIC MF Liquid Fund as on 15 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.42%
Corporate	30.18%
Government	4.15%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
91 DTB 28112024 Sovereign Bonds \| -	4%	₹398 Cr	40,000,000
State Bank Of India Certificate of Deposit \| -	4%	₹397 Cr	8,000
India (Republic of) - \| -	4%	₹394 Cr	40,000,000 ↑ 40,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹348 Cr	7,000
Treps CBLO/Reverse Repo \| -	3%	₹319 Cr
91 DTB 07112024 Sovereign Bonds \| -	3%	₹300 Cr	30,000,000
91 Day T-Bill 15.11.24 Sovereign Bonds \| -	3%	₹299 Cr	30,000,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹298 Cr	6,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹297 Cr	5,960 ↑ 5,960
Motilal Oswal Financial Services Limited Commercial Paper \| -	3%	₹284 Cr	5,700

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 (21 Nov 24)	₹370.776 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹51,423 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	3.84
Information Ratio	-2.79
Alpha Ratio	-0.12
Min Investment	500
Min SIP Investment	99
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	1 Month 14 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,464
31 Oct 21	₹10,793
31 Oct 22	₹11,251
31 Oct 23	₹12,025
31 Oct 24	₹12,915

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 21 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	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	0.92 Yr.
Darshil Dedhia	12 Jun 23	1.39 Yr.

Data below for ICICI Prudential Liquid Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.72%
Corporate	27.17%
Government	4.91%

Credit Quality

Rating	Value
AA	0.68%
AAA	99.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Certificate of Deposit \| -	4%	₹2,000 Cr	40,500
Govt Stock Sovereign Bonds \| -	3%	₹1,739 Cr	174,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹1,492 Cr	30,000
India (Republic of) - \| -	3%	₹1,468 Cr	149,013,200 ↑ 149,013,200
Bank Of India Certificate of Deposit \| -	2%	₹1,242 Cr	25,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,212 Cr	24,500
191 DTB 24102024 Sovereign Bonds \| -	2%	₹1,103 Cr	110,483,500
HDFC Bank Limited Certificate of Deposit \| -	2%	₹993 Cr	20,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹993 Cr	20,000
191 DTB 12/12/2024 Sovereign Bonds \| -	2%	₹990 Cr	100,000,000

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 (21 Nov 24)	₹2,420.92 ↑ 0.43 (0.02 %)
Net Assets (Cr)	₹516 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.26
Information Ratio	-3.69
Alpha Ratio	-0.17
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.12%
Effective Maturity	1 Month 16 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	₹10,426
31 Oct 21	₹10,747
31 Oct 22	₹11,183
31 Oct 23	₹11,925
31 Oct 24	₹12,805

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 21 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	5.1%
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	1.48 Yr.

Data below for Indiabulls Liquid Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	60.28%
Cash Equivalent	38.09%
Government	1.35%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank Of Baroda Certificate of Deposit \| -	11%	₹20 Cr	2,000,000
91 DTB 09012025 Sovereign Bonds \| -	11%	₹20 Cr	2,000,000 ↑ 2,000,000
Canara Bank Certificate of Deposit \| -	11%	₹19 Cr	1,950,000
ICICI Bank Limited Certificate of Deposit \| -	8%	₹15 Cr	1,500,000 ↓ -500,000
Indian Bank Commercial Paper \| -	8%	₹15 Cr	1,500,000
Kotak Mahindra Bank Limited Certificate of Deposit \| -	8%	₹15 Cr	1,500,000 ↑ 1,500,000
Aditya Birla Finance Limited Commercial Paper \| -	7%	₹14 Cr	1,360,000
HDFC Bank Limited Certificate of Deposit \| -	7%	₹13 Cr	1,300,000
ICICI Securities Limited Commercial Paper \| -	5%	₹10 Cr	1,000,000
191 DTB 12/12/2024 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000 ↓ -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 (21 Nov 24)	₹2,626.27 ↑ 0.42 (0.02 %)
Net Assets (Cr)	₹12,783 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.15
Sharpe Ratio	4.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.03%
Effective Maturity	1 Month 12 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,451
31 Oct 21	₹10,792
31 Oct 22	₹11,256
31 Oct 23	₹12,036
31 Oct 24	₹12,924

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 21 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	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 Yr.
Abhishek Iyer	28 Dec 20	3.85 Yr.

Data below for Mirae Asset Cash Management Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.64%
Corporate	34.17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Certificate of Deposit \| -	3%	₹445 Cr	45,000,000 ↑ 17,500,000
Treps CBLO/Reverse Repo \| -	3%	₹351 Cr
091 D Tbill Mat - 18/10/24 Sovereign Bonds \| -	3%	₹350 Cr	35,000,000
Punjab National Bank Certificate of Deposit \| -	2%	₹346 Cr	35,000,000 ↑ 25,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹296 Cr	30,000,000 ↑ 30,000,000
191 DTB 24102024 Sovereign Bonds \| -	2%	₹250 Cr	25,000,000
364 DTB 21112024 Sovereign Bonds \| -	2%	₹224 Cr	22,500,000
182 DTB 18112024 Sovereign Bonds \| -	2%	₹224 Cr	22,500,000
Reliance Jio Infocomm Limited Commercial Paper \| -	1%	₹199 Cr	20,000,000
91 Day T-Bill 15.11.24 Sovereign Bonds \| -	1%	₹199 Cr	20,000,000

9. Nippon India Liquid Fund

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 11 in Liquid Fund category. Return for 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 (21 Nov 24)	₹6,112.16 ↑ 1.01 (0.02 %)
Net Assets (Cr)	₹35,408 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.33
Sharpe Ratio	3.2
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.1%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,464
31 Oct 21	₹10,790
31 Oct 22	₹11,249
31 Oct 23	₹12,024
31 Oct 24	₹12,908

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 21 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	4.8%
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	2.67 Yr.
Kinjal Desai	25 May 18	6.44 Yr.
Vikash Agarwal	14 Sep 24	0.13 Yr.

Data below for Nippon India Liquid Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.78%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	99.01%
Government	0.77%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank** Net Current Assets \| -	6%	₹2,077 Cr	42,000 ↓ -9,500
State Bank Of India** Net Current Assets \| -	5%	₹1,538 Cr	31,000
Canara Bank** Net Current Assets \| -	4%	₹1,240 Cr	25,000 ↓ -6,000
Reverse Repo CBLO/Reverse Repo \| -	4%	₹1,226 Cr
Icici Securities Limited** Net Current Assets \| -	4%	₹1,180 Cr	23,800 ↓ -6,000
Axis Bank Limited** Net Current Assets \| -	3%	₹1,113 Cr	22,500 ↑ 3,000
Union Bank Of India** Net Current Assets \| -	3%	₹1,088 Cr	22,000 ↑ 2,000
Export Import Bank Of India** Net Current Assets \| -	3%	₹1,065 Cr	21,500 ↑ 6,000
Reliance Retail Ventures Limited** Net Current Assets \| -	3%	₹917 Cr	18,500 ↓ -10,500
6.18% Govt Stock 2024 Sovereign Bonds \| -	3%	₹850 Cr	85,000,000

म्युच्युअल फंड SIP मध्ये ऑनलाइन गुंतवणूक कशी करावी?

Fincash.com वर आजीवन मोफत गुंतवणूक खाते उघडा.

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दस्तऐवज अपलोड करा (PAN, आधार इ.).आणि, तुम्ही गुंतवणूक करण्यास तयार आहात!

सुरु करूया

वारंवार विचारले जाणारे प्रश्न

1. SIP मध्ये कार्यकाळाचे महत्त्व काय आहे?

अ: जेव्हा तुम्ही SIP निवडता, तेव्हा तुम्ही पहिली गोष्ट विचारात घेतली पाहिजे ती म्हणजे कार्यकाळ. कार्यकाळ तपासणे आणि नंतर गुंतवणूक करणे ही चांगली कल्पना आहे कारण कार्यकाळ पूर्ण करण्यापूर्वी तुम्ही तुमची गुंतवणूक बंद करू नये. तुम्ही असे केल्यास, तुम्हाला एक्झिट लोडच्या स्वरूपात दंड भरावा लागेल.

2. एक वर्षाच्या एसआयपी चांगल्या आहेत का?

अ: होय, एक वर्षाची एसआयपी चांगली आहे, विशेषत: जर तुम्ही जलद परतावा शोधत असाल. सहसा, एक वर्षाच्या SIP च्या मदतीने, तुम्ही तुमच्या फंड पोर्टफोलिओवर अवलंबून, तुमच्या गुंतवणुकीवर 4.2% ते 6.2% पर्यंत ROI ची अपेक्षा करू शकता.

३. मी एक वर्षाच्या SIP मध्ये गुंतवणूक का करावी?

अ: जर तुम्ही म्युच्युअल फंड गुंतवणुकीसाठी नवीन असाल आणि गुंतवणुकीच्या पोर्टफोलिओमध्ये विविधता आणण्याची योजना आखत असाल तर एक वर्षाच्या एसआयपी उपयुक्त आहेत.

4. एका वर्षाच्या एसआयपीमुळे चांगला परतावा मिळतो का?

अ: एक वर्षाच्या SIPs तरुण गुंतवणूकदारांमध्ये लोकप्रिय होत आहेत कारण ते चांगले आणि जलद परतावा देतात. म्युच्युअल फंड समजून घ्यायचे असल्यासबाजार, तर एक वर्षाच्या SIP ही चांगली कल्पना आहे.

5. सर्व SIP चांगले परतावा देतात का?

अ: एसआयपी हा तुमच्या गुंतवणुकीच्या पोर्टफोलिओमध्ये विविधता आणण्याचा सर्वोत्तम मार्ग आहे आणि चांगला परतावा देण्यासाठी ओळखला जातो. हे तुम्हाला तुम्‍हाला गुंतवायचे असलेल्‍या निधीची आणि रकमेची देखील निवड करू देते. तुम्हाला ठराविक अंतराने थोड्या प्रमाणात गुंतवणूक करण्याची संधी मिळते.

6. सर्व SIP मध्ये लार्ज-कॅप स्टॉकचा समावेश होतो का?

अ: नुसारसेबी आदेश, SIP गुंतवणूकदारांना गुंतवणूकदार आणि कंपन्यांचे संरक्षण करण्यासाठी 70:20:10 प्रोटोकॉलचे पालन करावे लागेल. या नियमानुसार, 70% इक्विटी गुंतवणूक लार्ज-कॅप समभागांमध्ये, 20%मिड-कॅप साठा, आणि 10% मध्येलहान टोपी साठा त्यामुळे एसआयपी गुंतवणुकीत विविधता आणतात आणि सर्व फक्त लार्ज-कॅप समभागांमध्ये केंद्रित नसतात.

7. SIP मध्ये जास्तीत जास्त आणि किमान रक्कम गुंतवली जाऊ शकते का?

अ: SIP मध्ये तुम्ही गुंतवू शकता अशी किमान रक्कम रु. 500 आहे. तथापि, SIP मध्ये गुंतवणूक करण्यासाठी कोणतीही उच्च मर्यादा नाही. तुम्ही तुमच्या फंड मॅनेजरसोबत याची योजना करू शकता.

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.