టాప్ 8 బెస్ట్ పెర్ఫార్మింగ్ మనీ మార్కెట్ మ్యూచువల్ ఫండ్స్ 2022 | Fincash.com

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బెస్ట్ మనీ మార్కెట్ మ్యూచువల్ ఫండ్స్ 2022

Updated on December 17, 2024 , 42991 views

సాధారణ పరంగా,ఉత్తమ లిక్విడ్ ఫండ్స్ (మనీ మార్కెట్ ఫండ్స్) అప్పులున్నాయిమ్యూచువల్ ఫండ్స్ లేదా బదులుగా డబ్బుసంత పెట్టుబడి వ్యవధిలో మాత్రమే తేడా ఉన్న మ్యూచువల్ ఫండ్స్. మనీ మార్కెట్ ఫండ్‌లు చాలా తక్కువ డబ్బు మార్కెట్ సాధనాల్లో పెట్టుబడి పెడతాయిజమచేసిన ధ్రువీకరణ పత్రము, ట్రెజరీ బిల్లులు, వాణిజ్య పత్రాలు మొదలైనవి.

ఈ నిధుల పెట్టుబడి వ్యవధి చాలా తక్కువగా ఉంటుంది, సాధారణంగా రెండు రోజుల నుండి కొన్ని వారాల వరకు ఉంటుంది (ఇది ఒక రోజు కూడా కావచ్చు!). యొక్క సగటు అవశేష పరిపక్వతలిక్విడ్ ఫండ్స్ వ్యక్తిగతంగా 91 రోజుల వరకు మెచ్యూరిటీ ఉన్న సెక్యూరిటీలలో పెట్టుబడి పెట్టడం వలన 91 రోజుల కంటే తక్కువ.

స్వల్పకాలికమైనదిరుణ నిధి, తక్కువ వ్యవధిలో తక్కువ-రిస్క్ ఇన్వెస్ట్‌మెంట్‌ల కోసం వెతుకుతున్న పెట్టుబడిదారులకు ఈ నిధులు చాలా అనుకూలంగా ఉంటాయి. ఉత్తమ లిక్విడ్ ఫండ్స్ యొక్క తక్కువ మెచ్యూరిటీ వ్యవధి ఫండ్ మేనేజర్‌లను నెరవేర్చడానికి సహాయపడుతుందివిముక్తి పెట్టుబడిదారుల డిమాండ్ సులభంగా. మార్కెట్లో, వివిధ మనీ మార్కెట్ ఫండ్ పెట్టుబడులు అందుబాటులో ఉన్నాయి.

మనీ మార్కెట్ ఫండ్లలో ఎందుకు పెట్టుబడి పెట్టాలి?

మనీ మార్కెట్‌లోని సెక్యూరిటీలు సాపేక్షంగా తక్కువ రిస్క్‌ని కలిగి ఉంటాయి
మనీ మార్కెట్ ఫండ్‌లు అన్ని మ్యూచువల్ ఫండ్ పెట్టుబడులకు సురక్షితమైనవి మరియు సురక్షితమైనవిగా పరిగణించబడతాయి
మనీ మార్కెట్ నిధులను పరిగణనలోకి తీసుకుంటే, మనీ మార్కెట్ ఖాతాలో పెట్టుబడి పెట్టడం సులభం.పెట్టుబడి పెడుతున్నారు మ్యూచువల్ ఫండ్స్ ద్వారా పెట్టుబడిదారులు తమ సౌలభ్యం మేరకు ఖాతా తెరవవచ్చు, డిపాజిట్లు మరియు ఉపసంహరణలు చేయవచ్చు
మనీ మార్కెట్ ఫండ్స్ అన్ని మ్యూచువల్ ఫండ్ ఇన్వెస్ట్‌మెంట్‌లలో అతి తక్కువ అస్థిర రకాల్లో ఒకటిగా పరిగణించబడతాయి
మనీ మార్కెట్ ఫండ్స్ పనితీరు రిజర్వ్ నిర్ణయించిన వడ్డీ రేట్లతో ముడిపడి ఉంటుందిబ్యాంక్ భారతదేశం, దిసెంట్రల్ బ్యాంక్ ఆఫ్ ఇండియా. కాబట్టి, RBI మార్కెట్లో రేట్లు పెంచినప్పుడు, దిగుబడి పెరుగుతుంది మరియు మనీ మార్కెట్ నిధులు మంచి రాబడిని ఇవ్వగలవు.

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మనీ మార్కెట్ ఫండ్స్ ఎలా పని చేస్తాయి?

మనీ మార్కెట్ ఫండ్ ఒక లక్ష్యంతో మనీ మార్కెట్ సాధనాల్లో పెట్టుబడి పెడుతుందిసమర్పణ మంచి రాబడి (వడ్డీఆదాయం) మరియు ఉంచడంకాదు కనిష్ట హెచ్చుతగ్గులు.

మనీ మార్కెట్ సాధనాల రకాలు

మనీ మార్కెట్ అనేది నగదు మరియు నగదు-సమానమైన సాధనాల వ్యాపారం జరిగే మార్పిడి. మనీ మార్కెట్‌లలో వర్తకం చేసే సాధనాలు మెచ్యూరిటీలను కలిగి ఉంటాయి, ఇవి రాత్రిపూట నుండి ఒక సంవత్సరం వరకు మారవచ్చు. భారతదేశంలో కొన్ని కీలకమైన మనీ మార్కెట్ సాధనాలు ఇక్కడ ఉన్నాయి:

1. ట్రెజరీ బిల్లులు లేదా T-బిల్లులు

365 రోజుల వరకు నిధులను సేకరించేందుకు భారత ప్రభుత్వం ట్రెజరీ బిల్లులను జారీ చేస్తుంది. ఇవి ప్రభుత్వం జారీ చేసినవి కాబట్టి, ఇవి చాలా సురక్షితమైనవిగా పరిగణించబడతాయి. అయినప్పటికీ, తక్కువ నష్టాలు కూడా తక్కువ రాబడికి అనువదిస్తాయి, ఇది ట్రెజరీ బిల్లుల విషయంలో కూడా ఉంటుంది. ఇతర మనీ మార్కెట్ సాధనాల కంటే T-బిల్లులపై రాబడి తక్కువగా ఉంటుంది.

2. డిపాజిట్ లేదా CD సర్టిఫికేట్

CD అనేది టర్మ్ డిపాజిట్, ఇది అకాల విమోచన ఎంపికను కలిగి ఉండని షెడ్యూల్డ్ వాణిజ్య బ్యాంకుల ద్వారా అందించబడుతుంది. CD మరియు మధ్య ప్రాథమిక వ్యత్యాసంఎఫ్ డి CD లు స్వేచ్ఛగా చర్చలు జరపవచ్చు.

3. తిరిగి కొనుగోలు ఒప్పందాలు లేదా రెపోలు

స్వల్పకాలిక రుణాలను సులభతరం చేయడానికి బ్యాంక్ మరియు RBI మధ్య తిరిగి కొనుగోలు ఒప్పందం చేయబడుతుంది. ఇది రెండు బ్యాంకుల మధ్య కూడా తయారు చేయవచ్చు.

4. కమర్షియల్ పేపర్ లేదా CP

అధిక క్రెడిట్ రేటింగ్ ఉన్న కంపెనీలు మరియు ఆర్థిక సంస్థలు జారీ చేయవచ్చు aకమర్షియల్ పేపర్ ఇది స్వల్పకాలిక, అసురక్షిత ప్రామిసరీ నోట్. ఇది అటువంటి ఎంటిటీలను వారి స్వల్పకాలిక రుణ వనరులను వైవిధ్యపరచడానికి అనుమతిస్తుంది. CPలు సాధారణంగా విమోచన సమయంలో తగ్గింపు రేటుతో జారీ చేయబడతాయిముఖ విలువ. దిపెట్టుబడిదారుడు తేడా సంపాదిస్తుంది.

టాప్ 8 మనీ మార్కెట్ మ్యూచువల్ ఫండ్‌లు 2022

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	₹354.962 ↑ 0.02	₹24,928	0.5	1.8	3.7	7.7	7.4	7.37%	4M 10D	4M 10D
Nippon India Money Market Fund Growth	₹3,980.53 ↑ 0.33	₹17,424	0.5	1.8	3.7	7.7	7.4	7.44%	5M 10D	5M 22D
UTI Money Market Fund Growth	₹2,957 ↑ 0.32	₹16,372	0.6	1.8	3.7	7.7	7.4	7.34%	4M 11D	4M 12D
ICICI Prudential Money Market Fund Growth	₹363.948 ↑ 0.04	₹26,632	0.5	1.8	3.7	7.7	7.4	7.27%	3M 11D	3M 19D
Tata Money Market Fund Growth	₹4,528.85 ↑ 0.55	₹26,863	0.5	1.8	3.7	7.7	7.4	7.3%	3M 23D	3M 23D
Kotak Money Market Scheme Growth	₹4,308 ↑ 0.42	₹29,774	0.5	1.8	3.7	7.7	7.3	7.34%	4M 10D	4M 13D
HDFC Money Market Fund Growth	₹5,483.66 ↑ 0.55	₹26,788	0.5	1.8	3.6	7.7	7.3	7.3%	3M 21D	4M
Franklin India Savings Fund Growth	₹48.1039 ↑ 0.01	₹2,706	0.6	1.8	3.7	7.6	7.3	7.44%	4M 20D	5M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Dec 24

1. Aditya Birla Sun Life Money Manager Fund

(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 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% .

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (19 Dec 24)	₹354.962 ↑ 0.02 (0.01 %)
Net Assets (Cr)	₹24,928 on 15 Dec 24
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	3.43
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.37%
Effective Maturity	4 Months 10 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	₹10,679
30 Nov 21	₹11,087
30 Nov 22	₹11,593
30 Nov 23	₹12,455
30 Nov 24	₹13,418

Aditya Birla Sun Life Money Manager 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 Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 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	6.1%
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 15 Dec 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

(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 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% .

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (19 Dec 24)	₹3,980.53 ↑ 0.33 (0.01 %)
Net Assets (Cr)	₹17,424 on 30 Nov 24
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.37
Sharpe Ratio	3.01
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	5 Months 22 Days
Modified Duration	5 Months 10 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

Nippon India Money Market 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 Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 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 30 Nov 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. UTI Money Market Fund

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 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% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (19 Dec 24)	₹2,957 ↑ 0.32 (0.01 %)
Net Assets (Cr)	₹16,372 on 30 Nov 24
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	3.48
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	4 Months 12 Days
Modified Duration	4 Months 11 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

UTI Money Market 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 UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 24

Duration	Returns
1 Month	0.6%
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	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 30 Nov 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

4. ICICI Prudential Money Market Fund

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 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% .

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (19 Dec 24)	₹363.948 ↑ 0.04 (0.01 %)
Net Assets (Cr)	₹26,632 on 15 Dec 24
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	3.16
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.27%
Effective Maturity	3 Months 19 Days
Modified Duration	3 Months 11 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

ICICI Prudential Money Market 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 Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 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	5.9%
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 15 Dec 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

5. Tata Money Market Fund

(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 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% .

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (19 Dec 24)	₹4,528.85 ↑ 0.55 (0.01 %)
Net Assets (Cr)	₹26,863 on 15 Dec 24
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	3.29
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.3%
Effective Maturity	3 Months 23 Days
Modified Duration	3 Months 23 Days

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

Tata Money Market 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 Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 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 15 Dec 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

(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 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% .

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (19 Dec 24)	₹4,308 ↑ 0.42 (0.01 %)
Net Assets (Cr)	₹29,774 on 30 Nov 24
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.06
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.34%
Effective Maturity	4 Months 13 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	₹10,579
30 Nov 21	₹10,966
30 Nov 22	₹11,468
30 Nov 23	₹12,308
30 Nov 24	₹13,254

Kotak Money Market Scheme 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 Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 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 30 Nov 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

(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 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% .

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (19 Dec 24)	₹5,483.66 ↑ 0.55 (0.01 %)
Net Assets (Cr)	₹26,788 on 30 Nov 24
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.41
Sharpe Ratio	2.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.3%
Effective Maturity	4 Months
Modified Duration	3 Months 21 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

HDFC Money Market 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 HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Dec 24

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.6%
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 30 Nov 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

(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 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% .

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (19 Dec 24)	₹48.1039 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹2,706 on 30 Nov 24
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.27
Sharpe Ratio	2.91
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.44%
Effective Maturity	5 Months 1 Day
Modified Duration	4 Months 20 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

Franklin India Savings 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 Franklin India 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 19 Dec 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.6%
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 30 Nov 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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