5 சிறந்த செயல்திறன் கொண்ட திரவ மியூச்சுவல் ஃபண்டுகள் SIP முதலீடுகள் 2022

Table of Contents

FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 5 சிறந்த செயல்திறன் கொண்ட திரவ நிதிகள்
Top 5 Debt - Liquid Fund Funds

SIP 2022க்கான 5 சிறந்த செயல்திறன் கொண்ட திரவ நிதிகள்

Updated on December 21, 2024 , 9284 views

திரவ நிதிகள் பாதுகாப்பான வகையாக கருதப்படுகிறதுகடன் பரஸ்பர நிதி அவர்கள் குறைந்த வட்டி விகிதம் மற்றும் கடன் அபாயத்தைக் கொண்டிருப்பதால். திரவ நிதிகள் 91 நாட்கள் வரை முதிர்வு கொண்ட கடன் பத்திரங்களில் முதலீடு செய்கின்றன. இந்த நிதிகள் சிறந்த வருமானத்தை வழங்குகின்றனவங்கி சேமிப்பு கணக்கு. வங்கிக் கணக்குகளின் 4% வட்டி விகிதத்துடன் ஒப்பிடுகையில், திரவம்பரஸ்பர நிதி சுமார் 7% வருமானத்தை வழங்குகிறது. கூடுதலாக, திரவ நிதிகள் மிகவும் திரவமாக இருக்கும், ஒரு நாளுக்குள் ஒருவர் தங்கள் நிதியை மீட்டெடுக்க முடியும். முதலீட்டாளர்கள் தங்கள் உபரித் தொகையை நல்ல வருமானத்தைப் பெற முதலீடு செய்யலாம் அல்லது குறுகிய காலத்தை அடைய முதலீடு செய்யலாம்நிதி இலக்குகள். உதாரணமாக, ஒருவர் ஒரு கேஜெட்டை வாங்க வேண்டும் அல்லது ஒரு சிறிய பயணத்தைத் திட்டமிட விரும்பினால். சிறந்த வருமானத்திற்காக, முதலீட்டாளர்கள் இந்த முன் பட்டியலிடப்பட்ட சிறந்த செயல்திறன் கொண்ட திரவ நிதிகளில் முதலீடு செய்யலாம்எஸ்ஐபி. அவர்களின் சமீபத்திய நிகழ்ச்சிகள் மற்றும் வருவாய்களைப் பார்ப்போம்!

Ready to Invest?
Talk to our investment specialist

FY 22 - 23 SIP முதலீடுகளுக்கான முதல் 5 சிறந்த செயல்திறன் கொண்ட திரவ நிதிகள்

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
BOI AXA Liquid Fund Growth	₹2,899.81 ↑ 0.36	₹1,657	1,000	1.7	3.5	7.4	6.4	5.3	7
LIC MF Liquid Fund Growth	₹4,555.64 ↑ 0.40	₹10,650	1,000	1.7	3.5	7.4	6.3	5.3	7
Indiabulls Liquid Fund Growth	₹2,435.1 ↑ 0.26	₹147	500	1.7	3.5	7.4	6.2	5.1	6.8
ICICI Prudential Liquid Fund Growth	₹372.904 ↑ 0.04	₹56,002	99	1.7	3.5	7.4	6.3	5.3	7
Mirae Asset Cash Management Fund Growth	₹2,641.45 ↑ 0.29	₹15,673	1,000	1.7	3.5	7.4	6.4	5.3	7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Dec 24

*மேலே சிறந்த பட்டியல்திரவம் நிதிகள் மேலே AUM/நிகர சொத்துக்களைக் கொண்டுள்ளன100 கோடி. வரிசைப்படுத்தப்பட்டதுகடந்த 1 வருட வருவாய்.

1. 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 (23 Dec 24)	₹2,899.81 ↑ 0.36 (0.01 %)
Net Assets (Cr)	₹1,657 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.1
Sharpe Ratio	7.01
Information Ratio	-1.21
Alpha Ratio	0.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.05%
Effective Maturity	1 Month 24 Days
Modified Duration	1 Month 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,429
30 Nov 21	₹10,763
30 Nov 22	₹11,262
30 Nov 23	₹12,051
30 Nov 24	₹12,951

BOI AXA Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.4%
5 Year	5.3%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.9%
2021	3.3%
2020	4.1%
2019	6.4%
2018	7.4%
2017	6.7%
2016	7.6%
2015	8.3%
2014	9%

Fund Manager information for BOI AXA Liquid Fund

Name	Since	Tenure
Mithraem Bharucha	17 Aug 21	3.29 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	94.44%
Government	5.37%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	6%	₹99 Cr	10,000,000 ↑ 10,000,000
ICICI Bank Ltd. Debentures \| -	6%	₹99 Cr	10,000,000
91 DTB 03012025 Sovereign Bonds \| -	4%	₹74 Cr	7,500,000
Small Industries Dev Bank Of India (10/01/2025) ** # Net Current Assets \| -	4%	₹74 Cr	7,500,000
Hdfc Bank Limited (03/02/2025) ** # Net Current Assets \| -	4%	₹72 Cr	7,300,000 ↑ 7,300,000
08.07 GJ Sdl 2025 Sovereign Bonds \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000
State Bank Of India (12/12/2024) ** # Net Current Assets \| -	3%	₹50 Cr	5,000,000
Reliance Jio Infocomm Limited (16/12/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000
Kotak Securities Limited (20/12/2024) ** Net Current Assets \| -	3%	₹50 Cr	5,000,000
Axis Bank Limited (26/12/2024) ** # Certificate of Deposit \| -	3%	₹50 Cr	5,000,000 ↑ 5,000,000

2. 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 (23 Dec 24)	₹4,555.64 ↑ 0.40 (0.01 %)
Net Assets (Cr)	₹10,650 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	☆☆☆
Risk	Low
Expense Ratio	0.24
Sharpe Ratio	5.18
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	1 Month 6 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,447
30 Nov 21	₹10,782
30 Nov 22	₹11,262
30 Nov 23	₹12,039
30 Nov 24	₹12,931

LIC MF Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for LIC MF Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.7%
2021	3.3%
2020	4.3%
2019	6.5%
2018	7.3%
2017	6.6%
2016	7.6%
2015	8.4%
2014	9%

Fund Manager information for LIC MF Liquid Fund

Name	Since	Tenure
Rahul Singh	5 Oct 15	9.16 Yr.

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

Asset Allocation

Asset Class	Value
Cash	99.75%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	65.86%
Corporate	32.02%
Government	1.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	6%	₹660 Cr
State Bank Of India Certificate of Deposit \| -	4%	₹399 Cr	8,000 ↑ 8,000
91 Days Tbill Red 27-02-2025 Sovereign Bonds \| -	4%	₹394 Cr	40,000,000 ↑ 40,000,000
Punjab National Bank Certificate of Deposit \| -	3%	₹350 Cr	7,000 ↑ 7,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹300 Cr	6,000 ↑ 6,000
364 DTB 02052024 Sovereign Bonds \| -	3%	₹297 Cr	30,000,000
Birla Group Holdings Pvt Ltd. Commercial Paper \| -	3%	₹295 Cr	6,000 ↑ 6,000
Motilal Oswal Financial Services Ltd. Commercial Paper \| -	3%	₹285 Cr	5,800 ↑ 5,800
Export-Import Bank Of India Commercial Paper \| -	2%	₹250 Cr	5,000 ↑ 5,000
Bank Of Baroda Certificate of Deposit \| -	2%	₹250 Cr	5,000 ↑ 5,000

3. 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 (23 Dec 24)	₹2,435.1 ↑ 0.26 (0.01 %)
Net Assets (Cr)	₹147 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	Indiabulls Asset Management Company Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.79
Information Ratio	-3.66
Alpha Ratio	-0.13
Min Investment	500
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.1%
Effective Maturity	23 Days
Modified Duration	23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,407
30 Nov 21	₹10,730
30 Nov 22	₹11,193
30 Nov 23	₹11,941
30 Nov 24	₹12,820

Indiabulls Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Indiabulls Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.2%
5 Year	5.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	4.6%
2021	3.1%
2020	3.9%
2019	6.6%
2018	7.3%
2017	6.7%
2016	7.8%
2015	8.5%
2014	9.1%

Fund Manager information for Indiabulls Liquid Fund

Name	Since	Tenure
Kaustubh Sule	11 May 23	1.56 Yr.

Data below for Indiabulls Liquid Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.9%
Other	0.1%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.37%
Corporate	29.07%
Government	0.46%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bajaj Finance Limited Commercial Paper \| -	9%	₹50 Cr	5,000,000 ↑ 5,000,000
Export-Import Bank Of India Commercial Paper \| -	9%	₹50 Cr	5,000,000 ↑ 5,000,000
Small Industries Development Bank Of India Certificate of Deposit \| -	9%	₹50 Cr	5,000,000 ↑ 5,000,000
Canara Bank Certificate of Deposit \| -	8%	₹43 Cr	4,400,000 ↑ 4,400,000
91 Days Tbill Sovereign Bonds \| -	7%	₹40 Cr	4,000,000
ICICI Bank Limited Certificate of Deposit \| -	6%	₹34 Cr	3,450,000 ↑ 3,450,000
Reverse Repo 18-Nov-24 CBLO/Reverse Repo \| -	6%	₹33 Cr
Hero Fincorp Limited Commercial Paper \| -	5%	₹25 Cr	2,500,000 ↑ 2,500,000
Axis Bank Limited Certificate of Deposit \| -	5%	₹25 Cr	2,500,000 ↑ 2,500,000
HDFC Bank Limited Certificate of Deposit \| -	5%	₹25 Cr	2,500,000 ↑ 2,500,000

4. 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 (23 Dec 24)	₹372.904 ↑ 0.04 (0.01 %)
Net Assets (Cr)	₹56,002 on 15 Dec 24
Category	Debt - Liquid Fund
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	4.94
Information Ratio	-2.69
Alpha Ratio	-0.07
Min Investment	500
Min SIP Investment	99
Exit Load	NIL
Yield to Maturity	7.08%
Effective Maturity	1 Month 9 Days
Modified Duration	1 Month 6 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,447
30 Nov 21	₹10,779
30 Nov 22	₹11,261
30 Nov 23	₹12,042
30 Nov 24	₹12,931

ICICI Prudential Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for ICICI Prudential Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.6%
2016	7.7%
2015	8.3%
2014	9.1%

Fund Manager information for ICICI Prudential Liquid Fund

Name	Since	Tenure
Nikhil Kabra	1 Dec 23	1 Yr.
Darshil Dedhia	12 Jun 23	1.47 Yr.

Data below for ICICI Prudential Liquid Fund as on 15 Dec 24

Asset Allocation

Asset Class	Value
Cash	99.81%
Other	0.19%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.97%
Corporate	24.64%
Government	1.21%

Credit Quality

Rating	Value
AA	1.41%
AAA	98.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reverse Repo CBLO/Reverse Repo \| -	6%	₹3,184 Cr
Treps CBLO/Reverse Repo \| -	4%	₹2,409 Cr
Punjab National Bank Certificate of Deposit \| -	3%	₹2,012 Cr	40,500 ↑ 40,500
91 DTB 09012025 Sovereign Bonds \| -	3%	₹1,476 Cr	149,013,200
Bank Of India Certificate of Deposit \| -	2%	₹1,249 Cr	25,000 ↑ 25,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹1,219 Cr	24,500 ↑ 24,500
Cp Mankind Pharma Ltd Commercial Paper \| -	2%	₹1,013 Cr	20,500 ↑ 20,500
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹999 Cr	20,000 ↑ 20,000
191 DTB 12/12/2024 Sovereign Bonds \| -	2%	₹996 Cr	100,000,000
State Bank Of India Certificate of Deposit \| -	2%	₹992 Cr	20,000 ↑ 20,000

5. 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 (23 Dec 24)	₹2,641.45 ↑ 0.29 (0.01 %)
Net Assets (Cr)	₹15,673 on 30 Nov 24
Category	Debt - Liquid Fund
AMC	Mirae Asset Global Inv (India) Pvt. Ltd
Rating	☆☆
Risk	Low
Expense Ratio	0.15
Sharpe Ratio	4.84
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7%
Effective Maturity	1 Month 11 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,438
30 Nov 21	₹10,780
30 Nov 22	₹11,270
30 Nov 23	₹12,054
30 Nov 24	₹12,943

Mirae Asset Cash Management Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Mirae Asset Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.4%
3 Year	6.4%
5 Year	5.3%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7%
2022	4.8%
2021	3.3%
2020	4.2%
2019	6.6%
2018	7.3%
2017	6.6%
2016	7.2%
2015	7.8%
2014	8.7%

Fund Manager information for Mirae Asset Cash Management Fund

Name	Since	Tenure
Amit Modani	1 Nov 24	0.08 Yr.
Abhishek Iyer	28 Dec 20	3.93 Yr.

Data below for Mirae Asset Cash Management Fund as on 30 Nov 24

Asset Allocation

Asset Class	Value
Cash	99.79%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	99.79%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	6%	₹860 Cr
Canara Bank Certificate of Deposit \| -	3%	₹447 Cr	45,000,000 ↑ 45,000,000
Punjab National Bank Certificate of Deposit \| -	2%	₹348 Cr	35,000,000 ↑ 35,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹298 Cr	30,000,000 ↑ 30,000,000
Axis Bank Ltd. Certificate of Deposit \| -	2%	₹296 Cr	30,000,000 ↑ 30,000,000
91 DTB 13022025 Sovereign Bonds \| -	2%	₹295 Cr	30,000,000 ↑ 30,000,000
Small Industries Development Bank Of India Certificate of Deposit \| -	2%	₹271 Cr	27,500,000 ↑ 27,500,000
91 DTB 05122024 Sovereign Bonds \| -	2%	₹234 Cr	23,500,000
364 DTB 21112024 Sovereign Bonds \| -	1%	₹225 Cr	22,500,000
182 DTB 18112024 Sovereign Bonds \| -	1%	₹225 Cr	22,500,000

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவுகளின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.