Table of Contents
ਆਮ ਸ਼ਬਦਾਂ ਵਿੱਚ,ਵਧੀਆ ਤਰਲ ਫੰਡ (ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ) ਕਰਜ਼ ਹਨਮਿਉਚੁਅਲ ਫੰਡ ਜਾਂ ਇਸ ਦੀ ਬਜਾਏ ਪੈਸਾਬਜ਼ਾਰ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ ਵਿੱਚ ਸਿਰਫ ਅੰਤਰ ਹੈ। ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਬਹੁਤ ਘੱਟ ਮਨੀ ਮਾਰਕੀਟ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜਿਵੇਂ ਕਿਡਿਪਾਜ਼ਿਟ ਦਾ ਸਰਟੀਫਿਕੇਟ, ਖਜ਼ਾਨਾ ਬਿੱਲ, ਵਪਾਰਕ ਕਾਗਜ਼ਾਤ ਆਦਿ।
ਇਹਨਾਂ ਫੰਡਾਂ ਦੀ ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ ਬਹੁਤ ਛੋਟੀ ਹੈ, ਆਮ ਤੌਰ 'ਤੇ ਕੁਝ ਦਿਨਾਂ ਤੋਂ ਕੁਝ ਹਫ਼ਤਿਆਂ ਤੱਕ (ਇਹ ਇੱਕ ਦਿਨ ਵੀ ਹੋ ਸਕਦਾ ਹੈ!) ਦੀ ਔਸਤ ਬਕਾਇਆ ਪਰਿਪੱਕਤਾਤਰਲ ਫੰਡ 91 ਦਿਨਾਂ ਤੋਂ ਘੱਟ ਹੈ ਕਿਉਂਕਿ ਉਹ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜਿਨ੍ਹਾਂ ਦੀ ਵਿਅਕਤੀਗਤ ਤੌਰ 'ਤੇ 91 ਦਿਨਾਂ ਤੱਕ ਮਿਆਦ ਪੂਰੀ ਹੁੰਦੀ ਹੈ।
ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਹੋਣਾਕਰਜ਼ਾ ਫੰਡ, ਇਹ ਫੰਡ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਘੱਟ-ਜੋਖਮ ਵਾਲੇ ਨਿਵੇਸ਼ਾਂ ਦੀ ਤਲਾਸ਼ ਕਰਨ ਵਾਲੇ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਬਹੁਤ ਢੁਕਵੇਂ ਹਨ। ਵਧੀਆ ਤਰਲ ਫੰਡਾਂ ਦੀ ਘੱਟ ਪਰਿਪੱਕਤਾ ਦੀ ਮਿਆਦ ਫੰਡ ਪ੍ਰਬੰਧਕਾਂ ਨੂੰ ਪੂਰਾ ਕਰਨ ਵਿੱਚ ਮਦਦ ਕਰਦੀ ਹੈਛੁਟਕਾਰਾ ਨਿਵੇਸ਼ਕਾਂ ਦੀ ਮੰਗ ਆਸਾਨੀ ਨਾਲ. ਬਜ਼ਾਰ ਵਿੱਚ, ਕਈ ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਨਿਵੇਸ਼ ਉਪਲਬਧ ਹਨ।
ਮਨੀ ਮਾਰਕੀਟ ਵਿੱਚ ਪ੍ਰਤੀਭੂਤੀਆਂ ਮੁਕਾਬਲਤਨ ਘੱਟ ਜੋਖਮ ਵਾਲੀਆਂ ਹੁੰਦੀਆਂ ਹਨ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਨੂੰ ਸਾਰੇ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ਾਂ ਲਈ ਸੁਰੱਖਿਅਤ ਅਤੇ ਸੁਰੱਖਿਅਤ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਨੂੰ ਧਿਆਨ ਵਿੱਚ ਰੱਖਦੇ ਹੋਏ, ਮਨੀ ਮਾਰਕੀਟ ਖਾਤੇ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਆਸਾਨ ਹੈ।ਨਿਵੇਸ਼ ਮਿਉਚੁਅਲ ਫੰਡਾਂ ਰਾਹੀਂ ਨਿਵੇਸ਼ਕ ਆਪਣੀ ਸਹੂਲਤ ਅਨੁਸਾਰ ਇੱਕ ਖਾਤਾ ਖੋਲ੍ਹ ਸਕਦੇ ਹਨ, ਜਮ੍ਹਾਂ ਕਰ ਸਕਦੇ ਹਨ ਅਤੇ ਨਿਕਾਸੀ ਕਰ ਸਕਦੇ ਹਨ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਨੂੰ ਸਾਰੇ ਮਿਉਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ਾਂ ਵਿੱਚੋਂ ਸਭ ਤੋਂ ਘੱਟ ਅਸਥਿਰ ਕਿਸਮਾਂ ਵਿੱਚੋਂ ਇੱਕ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ
ਮਨੀ ਮਾਰਕੀਟ ਫੰਡਾਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਰਿਜ਼ਰਵ ਦੁਆਰਾ ਨਿਰਧਾਰਤ ਵਿਆਜ ਦਰਾਂ ਨਾਲ ਨੇੜਿਓਂ ਜੁੜੀ ਹੋਈ ਹੈਬੈਂਕ ਭਾਰਤ ਦੇ, ਦਸੈਂਟਰਲ ਬੈਂਕ ਆਫ ਇੰਡੀਆ. ਇਸ ਲਈ, ਜਦੋਂ ਆਰਬੀਆਈ ਮਾਰਕੀਟ ਵਿੱਚ ਦਰਾਂ ਵਧਾਉਂਦਾ ਹੈ, ਪੈਦਾਵਾਰ ਵਧਦੀ ਹੈ, ਅਤੇ ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਵਧੀਆ ਰਿਟਰਨ ਦੇਣ ਦੇ ਯੋਗ ਹੁੰਦੇ ਹਨ।
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ਇੱਕ ਮਨੀ ਮਾਰਕੀਟ ਫੰਡ ਦੇ ਉਦੇਸ਼ ਨਾਲ ਮਨੀ ਮਾਰਕੀਟ ਯੰਤਰਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈਭੇਟਾ ਚੰਗਾ ਰਿਟਰਨ (ਵਿਆਜਆਮਦਨ) ਅਤੇ ਰੱਖਣਾਨਹੀ ਹਨ ਘੱਟ ਤੋਂ ਘੱਟ ਉਤਰਾਅ-ਚੜ੍ਹਾਅ
ਮਨੀ ਮਾਰਕੀਟ ਇੱਕ ਵਟਾਂਦਰਾ ਹੈ ਜਿੱਥੇ ਨਕਦ ਅਤੇ ਨਕਦ-ਬਰਾਬਰ ਯੰਤਰਾਂ ਦਾ ਵਪਾਰ ਹੁੰਦਾ ਹੈ। ਮੁਦਰਾ ਬਾਜ਼ਾਰਾਂ ਵਿੱਚ ਵਪਾਰ ਕੀਤੇ ਜਾਣ ਵਾਲੇ ਯੰਤਰਾਂ ਵਿੱਚ ਪਰਿਪੱਕਤਾ ਹੁੰਦੀ ਹੈ ਜੋ ਰਾਤੋ-ਰਾਤ ਤੋਂ ਇੱਕ ਸਾਲ ਤੱਕ ਬਦਲ ਸਕਦੀ ਹੈ। ਇੱਥੇ ਭਾਰਤ ਵਿੱਚ ਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਦੇ ਕੁਝ ਪ੍ਰਮੁੱਖ ਸਾਧਨ ਹਨ:
ਭਾਰਤ ਸਰਕਾਰ 365 ਦਿਨਾਂ ਤੱਕ ਦੀ ਮਿਆਦ ਲਈ ਫੰਡ ਇਕੱਠਾ ਕਰਨ ਲਈ ਖਜ਼ਾਨਾ ਬਿੱਲ ਜਾਰੀ ਕਰਦੀ ਹੈ। ਕਿਉਂਕਿ ਇਹ ਸਰਕਾਰ ਦੁਆਰਾ ਜਾਰੀ ਕੀਤੇ ਜਾਂਦੇ ਹਨ, ਇਹਨਾਂ ਨੂੰ ਬਹੁਤ ਸੁਰੱਖਿਅਤ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ। ਹਾਲਾਂਕਿ, ਘੱਟ ਜੋਖਮ ਘੱਟ ਰਿਟਰਨ ਵਿੱਚ ਵੀ ਅਨੁਵਾਦ ਕਰਦੇ ਹਨ ਜੋ ਕਿ ਖਜ਼ਾਨਾ ਬਿੱਲਾਂ ਦੇ ਨਾਲ ਵੀ ਹੁੰਦਾ ਹੈ। ਟੀ-ਬਿੱਲਾਂ 'ਤੇ ਰਿਟਰਨ ਮਨੀ ਮਾਰਕੀਟ ਦੇ ਹੋਰ ਸਾਧਨਾਂ ਨਾਲੋਂ ਘੱਟ ਹੈ।
ਇੱਕ ਸੀਡੀ ਇੱਕ ਮਿਆਦੀ ਡਿਪਾਜ਼ਿਟ ਹੈ ਜੋ ਅਨੁਸੂਚਿਤ ਵਪਾਰਕ ਬੈਂਕਾਂ ਦੁਆਰਾ ਪੇਸ਼ ਕੀਤੀ ਜਾਂਦੀ ਹੈ ਜਿਸ ਵਿੱਚ ਸਮੇਂ ਤੋਂ ਪਹਿਲਾਂ ਰਿਡੈਂਪਸ਼ਨ ਦਾ ਵਿਕਲਪ ਨਹੀਂ ਹੁੰਦਾ ਹੈ। ਇੱਕ CD ਅਤੇ ਵਿਚਕਾਰ ਪ੍ਰਾਇਮਰੀ ਅੰਤਰਐੱਫ.ਡੀ ਇਹ ਹੈ ਕਿ ਸੀਡੀਜ਼ ਸੁਤੰਤਰ ਤੌਰ 'ਤੇ ਗੱਲਬਾਤ ਕਰਨ ਯੋਗ ਹਨ।
ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ਿਆਂ ਦੀ ਸਹੂਲਤ ਲਈ ਇੱਕ ਬੈਂਕ ਅਤੇ RBI ਵਿਚਕਾਰ ਮੁੜ ਖਰੀਦ ਸਮਝੌਤਾ ਕੀਤਾ ਜਾਂਦਾ ਹੈ। ਇਹ ਦੋ ਬੈਂਕਾਂ ਵਿਚਕਾਰ ਵੀ ਬਣਾਇਆ ਜਾ ਸਕਦਾ ਹੈ।
ਉੱਚ ਕ੍ਰੈਡਿਟ ਰੇਟਿੰਗ ਵਾਲੀਆਂ ਕੰਪਨੀਆਂ ਅਤੇ ਵਿੱਤੀ ਸੰਸਥਾਵਾਂ ਏਵਪਾਰਕ ਪੇਪਰ ਜੋ ਕਿ ਇੱਕ ਛੋਟੀ ਮਿਆਦ ਦਾ, ਅਸੁਰੱਖਿਅਤ ਵਾਅਦਾ ਨੋਟ ਹੈ। ਇਹ ਅਜਿਹੀਆਂ ਸੰਸਥਾਵਾਂ ਨੂੰ ਆਪਣੇ ਥੋੜ੍ਹੇ ਸਮੇਂ ਦੇ ਉਧਾਰ ਸਰੋਤਾਂ ਵਿੱਚ ਵਿਭਿੰਨਤਾ ਲਿਆਉਣ ਦੀ ਆਗਿਆ ਦਿੰਦਾ ਹੈ। CPs ਆਮ ਤੌਰ 'ਤੇ ਛੂਟ ਵਾਲੀ ਦਰ 'ਤੇ ਜਾਰੀ ਕੀਤੇ ਜਾਂਦੇ ਹਨ ਜਦੋਂ ਰਿਡੈਂਪਸ਼ਨ ਚਾਲੂ ਹੁੰਦਾ ਹੈਅੰਕਿਤ ਮੁੱਲ. ਦਨਿਵੇਸ਼ਕ ਫਰਕ ਕਮਾਉਂਦਾ ਹੈ।
(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term) The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. Aditya Birla Sun Life Money Manager Fund is a Debt - Money Market fund was launched on 13 Oct 05. It is a fund with Low risk and has given a Below is the key information for Aditya Birla Sun Life Money Manager Fund Returns up to 1 year are on (Erstwhile Reliance Liquidity Fund) 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 Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on The objective of the Plan will be to seek 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 Money Market Fund is a Debt - Money Market fund was launched on 9 Mar 06. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential Money Market Fund Returns up to 1 year are on To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a Below is the key information for UTI Money Market Fund Returns up to 1 year are on (Erstwhile Tata Liquid Fund) To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Tata Money Market Fund is a Debt - Money Market fund was launched on 22 May 03. It is a fund with Low risk and has given a Below is the key information for Tata Money Market Fund Returns up to 1 year are on (Erstwhile Kotak Floater Short Term Fund) To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives. Kotak Money Market Scheme is a Debt - Money Market fund was launched on 14 Jul 03. It is a fund with Low risk and has given a Below is the key information for Kotak Money Market Scheme Returns up to 1 year are on (Erstwhile HDFC Cash Management Fund - Savings Plan) To generate optimal returns while maintaining safety and
high liquidity. HDFC Money Market Fund is a Debt - Money Market fund was launched on 18 Nov 99. It is a fund with Low risk and has given a Below is the key information for HDFC Money Market Fund Returns up to 1 year are on (Erstwhile Franklin India Savings Plus Fund Retail Option) Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Franklin India Savings Fund is a Debt - Money Market fund was launched on 11 Feb 02. It is a fund with Moderately Low risk and has given a Below is the key information for Franklin India Savings Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Money Manager Fund Growth ₹354.939
↑ 0.06 ₹26,348 0.6 1.8 3.7 7.8 7.4 7.55% 5M 8D 5M 8D Nippon India Money Market Fund Growth ₹3,980.2
↑ 0.55 ₹19,105 0.5 1.8 3.7 7.7 7.4 7.46% 5M 17D 5M 30D ICICI Prudential Money Market Fund Growth ₹363.91
↑ 0.05 ₹27,974 0.6 1.8 3.7 7.7 7.4 7.38% 4M 10D 4M 21D UTI Money Market Fund Growth ₹2,956.68
↑ 0.46 ₹16,113 0.6 1.9 3.7 7.7 7.4 7.43% 5M 5D 5M 5D Tata Money Market Fund Growth ₹4,528.3
↑ 0.63 ₹26,783 0.5 1.8 3.7 7.7 7.4 7.32% 4M 4M 1D Kotak Money Market Scheme Growth ₹4,307.58
↑ 0.54 ₹29,488 0.5 1.8 3.7 7.7 7.3 7.4% 4M 24D 4M 24D HDFC Money Market Fund Growth ₹5,483.1
↑ 0.80 ₹27,987 0.5 1.8 3.7 7.7 7.3 7.38% 4M 2D 4M 12D Franklin India Savings Fund Growth ₹48.098
↑ 0.01 ₹2,458 0.6 1.8 3.7 7.7 7.3 7.39% 5M 19D 6M Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Dec 24 1. Aditya Birla Sun Life Money Manager Fund
CAGR/Annualized
return of 6.8% since its launch. Ranked 7 in Money Market
category. Return for 2023 was 7.4% , 2022 was 4.8% and 2021 was 3.8% . Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (18 Dec 24) ₹354.939 ↑ 0.06 (0.02 %) Net Assets (Cr) ₹26,348 on 31 Oct 24 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 3.19 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 5 Months 8 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 ₹10,679 30 Nov 21 ₹11,087 30 Nov 22 ₹11,593 30 Nov 23 ₹12,455 30 Nov 24 ₹13,418 Returns for Aditya Birla Sun Life Money Manager Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.8% 3 Year 6.6% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.8% 2021 3.8% 2020 6.6% 2019 8% 2018 7.9% 2017 6.8% 2016 7.7% 2015 8.4% 2014 9.2% Fund Manager information for Aditya Birla Sun Life Money Manager Fund
Name Since Tenure Kaustubh Gupta 15 Jul 11 13.39 Yr. Anuj Jain 22 Mar 21 3.7 Yr. Mohit Sharma 1 Apr 17 7.67 Yr. Dhaval Joshi 21 Nov 22 2.03 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 93.64% Debt 6.12% Other 0.24% Debt Sector Allocation
Sector Value Cash Equivalent 67.3% Corporate 27.97% Government 4.49% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 13032025
Sovereign Bonds | -2% ₹637 Cr 65,000,000 364 DTB 13022025
Sovereign Bonds | -2% ₹492 Cr 50,000,000 05.80 MH Sdl 2025
Sovereign Bonds | -2% ₹469 Cr 47,000,000 07.38% MP Sdl 2025
Sovereign Bonds | -2% ₹466 Cr 46,500,000 364 DTB 26122024
Sovereign Bonds | -1% ₹248 Cr 25,000,000 07.26 KA Sgs 2025
Sovereign Bonds | -1% ₹205 Cr 20,500,000 364 DTB 12122024
Sovereign Bonds | -1% ₹194 Cr 19,500,000 364 DTB 02052024
Sovereign Bonds | -1% ₹179 Cr 18,070,920 08.08 HR Sdl 2025
Sovereign Bonds | -0% ₹115 Cr 11,500,000 08.05 GJ Sdl 2025
Sovereign Bonds | -0% ₹105 Cr 10,500,000 2. Nippon India Money Market Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 27 in Money Market
category. Return for 2023 was 7.4% , 2022 was 5% and 2021 was 3.8% . Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (18 Dec 24) ₹3,980.2 ↑ 0.55 (0.01 %) Net Assets (Cr) ₹19,105 on 31 Oct 24 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.37 Sharpe Ratio 2.89 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.46% Effective Maturity 5 Months 30 Days Modified Duration 5 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,612 30 Nov 21 ₹11,012 30 Nov 22 ₹11,530 30 Nov 23 ₹12,381 30 Nov 24 ₹13,336 Returns for Nippon India Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.7% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 5% 2021 3.8% 2020 6% 2019 8.1% 2018 7.9% 2017 6.6% 2016 7.6% 2015 8.3% 2014 9.1% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 6.38 Yr. Vikash Agarwal 14 Sep 24 0.21 Yr. Data below for Nippon India Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 90.93% Debt 8.84% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 58.64% Corporate 32.16% Government 8.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 08052025
Sovereign Bonds | -2% ₹292 Cr 30,000,000
↑ 30,000,000 07.38% MP Sdl 2025
Sovereign Bonds | -2% ₹276 Cr 27,500,000 08.10 JH Sdl 2025
Sovereign Bonds | -1% ₹251 Cr 25,000,000 182 DTB 27022025
Sovereign Bonds | -1% ₹246 Cr 25,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -1% ₹148 Cr 15,000,000
↓ -6,500,000 182 DTB 18102024
Sovereign Bonds | -1% ₹148 Cr 15,000,000 India (Republic of)
- | -1% ₹147 Cr 15,000,000 364 DTB 13022025
Sovereign Bonds | -1% ₹109 Cr 11,000,000 08.06 AP Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000 08.09 Ts SDL 2025
Sovereign Bonds | -1% ₹100 Cr 10,000,000 3. ICICI Prudential Money Market Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 17 in Money Market
category. Return for 2023 was 7.4% , 2022 was 4.7% and 2021 was 3.7% . ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (18 Dec 24) ₹363.91 ↑ 0.05 (0.01 %) Net Assets (Cr) ₹27,974 on 31 Oct 24 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 2.85 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.38% Effective Maturity 4 Months 21 Days Modified Duration 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,636 30 Nov 21 ₹11,028 30 Nov 22 ₹11,517 30 Nov 23 ₹12,364 30 Nov 24 ₹13,318 Returns for ICICI Prudential Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.6% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.7% 2021 3.7% 2020 6.2% 2019 7.9% 2018 7.7% 2017 6.7% 2016 7.7% 2015 8.3% 2014 9.1% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Manish Banthia 12 Jun 23 1.47 Yr. Nikhil Kabra 3 Aug 16 8.33 Yr. Data below for ICICI Prudential Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 89.38% Debt 10.42% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 72.22% Corporate 16.89% Government 10.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 06032025
Sovereign Bonds | -3% ₹932 Cr 95,000,000 India (Republic of)
- | -1% ₹391 Cr 40,000,000 182 DTB 13032025
Sovereign Bonds | -1% ₹367 Cr 37,500,000 182 Day T-Bill 19.12.24
Sovereign Bonds | -1% ₹323 Cr 32,500,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -1% ₹246 Cr 25,000,000 364 DTB
Sovereign Bonds | -1% ₹246 Cr 25,000,000 364 DTB 13032025
Sovereign Bonds | -1% ₹220 Cr 22,500,000 182 DTB 26122024
Sovereign Bonds | -1% ₹174 Cr 17,500,000 364 DTB 09012025
Sovereign Bonds | -1% ₹154 Cr 15,500,000 08.08 Ts SDL 2025
Sovereign Bonds | -1% ₹151 Cr 15,000,000 4. UTI Money Market Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 23 in Money Market
category. Return for 2023 was 7.4% , 2022 was 4.9% and 2021 was 3.7% . UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (18 Dec 24) ₹2,956.68 ↑ 0.46 (0.02 %) Net Assets (Cr) ₹16,113 on 31 Oct 24 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.17 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.43% Effective Maturity 5 Months 5 Days Modified Duration 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,618 30 Nov 21 ₹11,014 30 Nov 22 ₹11,524 30 Nov 23 ₹12,381 30 Nov 24 ₹13,335 Returns for UTI Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.7% 1 Year 7.7% 3 Year 6.6% 5 Year 5.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.9% 2021 3.7% 2020 6% 2019 8% 2018 7.8% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3 Yr. Amit Sharma 7 Jul 17 7.41 Yr. Data below for UTI Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 91.75% Debt 8.02% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 73.65% Corporate 19.3% Government 6.83% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -6% ₹1,018 Cr 10,350,000,000 182 D Tbill Mat - 14/02/2025
Sovereign Bonds | -2% ₹296 Cr 3,000,000,000 Cd - Union Bank Of India - 02/04/25
Debentures | -1% ₹195 Cr 2,000,000,000
↑ 2,000,000,000 08.09 Ts SDL 2025
Sovereign Bonds | -1% ₹135 Cr 1,350,000,000 7.52% GJ Sdl 08/03/2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 08.08 CG Sdl 2025
Sovereign Bonds | -1% ₹100 Cr 1,000,000,000 08.09 Uk SDL 2025
Sovereign Bonds | -0% ₹50 Cr 500,000,000 182 DTB 12122024
Sovereign Bonds | -0% ₹50 Cr 500,000,000 0% GOI - 12122024 STRIPS
Sovereign Bonds | -0% ₹50 Cr 500,000,000 08.07 GJ Sdl 2025
Sovereign Bonds | -0% ₹45 Cr 450,000,000 5. Tata Money Market Fund
CAGR/Annualized
return of 6.7% since its launch. Ranked 30 in Money Market
category. Return for 2023 was 7.4% , 2022 was 4.8% and 2021 was 3.9% . Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (18 Dec 24) ₹4,528.3 ↑ 0.63 (0.01 %) Net Assets (Cr) ₹26,783 on 31 Oct 24 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 3.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.32% Effective Maturity 4 Months 1 Day Modified Duration 4 Months Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,650 30 Nov 21 ₹11,065 30 Nov 22 ₹11,563 30 Nov 23 ₹12,417 30 Nov 24 ₹13,373 Returns for Tata Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.6% 5 Year 6% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 4.8% 2021 3.9% 2020 6.4% 2019 8.1% 2018 -0.1% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 11.13 Yr. Data below for Tata Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 82.49% Debt 17.3% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 59.22% Corporate 26.81% Government 13.77% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 18102024
Sovereign Bonds | -3% ₹736 Cr 75,000,000 Axis Bank Ltd.
Debentures | -3% ₹723 Cr 15,000
↑ 15,000 06.03 RJ Sdl 2025
Sovereign Bonds | -2% ₹639 Cr 64,000,000
↑ 64,000,000 182 DTB 13032025
Sovereign Bonds | -2% ₹549 Cr 56,000,000 182 DTB 20022025
Sovereign Bonds | -2% ₹442 Cr 45,000,000
↓ -2,500,000 182 DTB 01052025
Sovereign Bonds | -2% ₹437 Cr 45,000,000
↑ 45,000,000 182 DTB 10042025
Sovereign Bonds | -1% ₹302 Cr 31,000,000 182 DTB 06022025
Sovereign Bonds | -1% ₹242 Cr 24,500,000
↓ -20,500,000 Axis Bank Ltd.
Debentures | -1% ₹233 Cr 5,000
↑ 5,000 182 DTB 30012025
Sovereign Bonds | -1% ₹207 Cr 21,000,000
↓ -10,000,000 6. Kotak Money Market Scheme
CAGR/Annualized
return of 7.1% since its launch. Ranked 19 in Money Market
category. Return for 2023 was 7.3% , 2022 was 4.9% and 2021 was 3.7% . Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (18 Dec 24) ₹4,307.58 ↑ 0.54 (0.01 %) Net Assets (Cr) ₹29,488 on 31 Oct 24 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.35 Sharpe Ratio 2.83 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.4% Effective Maturity 4 Months 24 Days Modified Duration 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,579 30 Nov 21 ₹10,966 30 Nov 22 ₹11,468 30 Nov 23 ₹12,308 30 Nov 24 ₹13,254 Returns for Kotak Money Market Scheme
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.6% 5 Year 5.8% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 4.9% 2021 3.7% 2020 5.7% 2019 8% 2018 7.7% 2017 6.7% 2016 7.7% 2015 8.4% 2014 9.1% Fund Manager information for Kotak Money Market Scheme
Name Since Tenure Deepak Agrawal 1 Nov 06 18.1 Yr. Manu Sharma 1 Nov 22 2.08 Yr. Data below for Kotak Money Market Scheme as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 86.67% Debt 13.14% Other 0.18% Debt Sector Allocation
Sector Value Cash Equivalent 62.26% Corporate 25.33% Government 12.23% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 01052025
Sovereign Bonds | -2% ₹510 Cr 52,500,000
↑ 52,500,000 182 DTB 18102024
Sovereign Bonds | -2% ₹490 Cr 50,000,000 182 DTB 15052025
Sovereign Bonds | -2% ₹484 Cr 50,000,000
↑ 50,000,000 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -1% ₹370 Cr 37,500,000
↓ -2,500,000 5.22% Govt Stock 2025
Sovereign Bonds | -1% ₹347 Cr 35,000,000 182 DTB 27022025
Sovereign Bonds | -1% ₹295 Cr 30,000,000 Axis Bank Ltd.
Debentures | -1% ₹279 Cr 30,000
↑ 30,000 05.80 MH Sdl 2025
Sovereign Bonds | -1% ₹250 Cr 25,000,000 182 DTB 06022025
Sovereign Bonds | -1% ₹222 Cr 22,500,000
↓ -27,500,000 08.29 MH Sdl 2025
Sovereign Bonds | -1% ₹210 Cr 20,788,100 7. HDFC Money Market Fund
CAGR/Annualized
return of 7% since its launch. Ranked 41 in Money Market
category. Return for 2023 was 7.3% , 2022 was 4.7% and 2021 was 3.8% . HDFC Money Market Fund
Growth Launch Date 18 Nov 99 NAV (18 Dec 24) ₹5,483.1 ↑ 0.80 (0.01 %) Net Assets (Cr) ₹27,987 on 31 Oct 24 Category Debt - Money Market AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.41 Sharpe Ratio 2.54 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.38% Effective Maturity 4 Months 12 Days Modified Duration 4 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,669 30 Nov 21 ₹11,069 30 Nov 22 ₹11,561 30 Nov 23 ₹12,404 30 Nov 24 ₹13,351 Returns for HDFC Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.5% 3 Month 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.5% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 4.7% 2021 3.8% 2020 6.5% 2019 8.1% 2018 7.4% 2017 6.5% 2016 7.5% 2015 8.3% 2014 9.1% Fund Manager information for HDFC Money Market Fund
Name Since Tenure Praveen Jain 30 Aug 24 0.25 Yr. Dhruv Muchhal 22 Jun 23 1.45 Yr. Data below for HDFC Money Market Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 92.71% Debt 7.07% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 69.8% Corporate 24.44% Government 5.54% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 13032025
Sovereign Bonds | -2% ₹539 Cr 55,000,000 Small Industries Development Bank of India
Debentures | -1% ₹374 Cr 8,000
↑ 8,000 91 DTB 28112024
Sovereign Bonds | -1% ₹299 Cr 30,000,000 08.10 Up SDL 2025
Sovereign Bonds | -1% ₹241 Cr 24,000,000 08.09 AP Sdl 2025
Sovereign Bonds | -1% ₹216 Cr 21,500,000 07.38% MP Sdl 2025
Sovereign Bonds | -1% ₹200 Cr 20,000,000 182 DTB 26122024
Sovereign Bonds | -1% ₹199 Cr 20,000,000 91 DTB 03012025
Sovereign Bonds | -1% ₹198 Cr 20,000,000 91 DTB 09012025
Sovereign Bonds | -1% ₹198 Cr 20,000,000 08.06 AP Sdl 2025
Sovereign Bonds | -1% ₹151 Cr 15,000,000 8. Franklin India Savings Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 47 in Money Market
category. Return for 2023 was 7.3% , 2022 was 4.4% and 2021 was 3.6% . Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (18 Dec 24) ₹48.098 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹2,458 on 31 Oct 24 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.27 Sharpe Ratio 2.67 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.39% Effective Maturity 6 Months Modified Duration 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,614 30 Nov 21 ₹10,993 30 Nov 22 ₹11,447 30 Nov 23 ₹12,278 30 Nov 24 ₹13,212 Returns for Franklin India Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 18 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.7% 1 Year 7.7% 3 Year 6.4% 5 Year 5.8% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 4.4% 2021 3.6% 2020 6% 2019 8.5% 2018 7.5% 2017 7.2% 2016 8.1% 2015 8.3% 2014 8.9% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.16 Yr. Rohan Maru 10 Oct 24 0.14 Yr. Chandni Gupta 30 Apr 24 0.59 Yr. Data below for Franklin India Savings Fund as on 31 Oct 24
Asset Allocation
Asset Class Value Cash 83.05% Debt 16.78% Other 0.17% Debt Sector Allocation
Sector Value Cash Equivalent 55.7% Corporate 29.63% Government 14.5% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 31072025
Sovereign Bonds | -4% ₹96 Cr 10,000,000 364 DTB 30-Oct-2025
Sovereign Bonds | -4% ₹94 Cr 10,000,000
↑ 10,000,000 364 DTB 28082025
Sovereign Bonds | -3% ₹68 Cr 7,151,200 Axis Bank Ltd.
Debentures | -2% ₹56 Cr 1,200
↑ 1,200 5.22% Govt Stock 2025
Sovereign Bonds | -2% ₹51 Cr 5,000,000 364 DTB 23-Oct-2025
Sovereign Bonds | -2% ₹47 Cr 5,000,000
↑ 5,000,000 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹4 Cr 3,966 Call, Cash & Other Assets
CBLO | -7% ₹170 Cr Canara Bank
Certificate of Deposit | -5% ₹122 Cr 2,500
↑ 2,500 HDFC Bank Limited
Certificate of Deposit | -5% ₹118 Cr 2,500
↑ 2,500
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