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

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బెస్ట్ మనీ మార్కెట్ మ్యూచువల్ ఫండ్స్ 2022

Updated on November 10, 2024 , 42916 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	₹352.585 ↑ 0.06	₹24,595	0.6	1.9	3.8	7.8	7.4	0%	5M 8D
Nippon India Money Market Fund Growth	₹3,954.09 ↑ 0.72	₹15,623	0.6	1.9	3.8	7.8	7.4	7.53%	6M 4D	6M 18D
UTI Money Market Fund Growth	₹2,936.88 ↑ 0.52	₹13,635	0.6	1.9	3.8	7.8	7.4	7.43%	5M 5D	5M 5D
ICICI Prudential Money Market Fund Growth	₹361.488 ↑ 0.07	₹28,505	0.6	1.9	3.8	7.8	7.4	7.46%	4M 27D	5M 9D
Tata Money Market Fund Growth	₹4,498.4 ↑ 0.85	₹27,191	0.6	1.8	3.8	7.8	7.4	7.5%	5M 1D	5Y 18D
Kotak Money Market Scheme Growth	₹4,279.32 ↑ 0.79	₹25,998	0.6	1.9	3.8	7.8	7.3	7.46%	5M 1D	5M 1D
HDFC Money Market Fund Growth	₹5,446.9 ↑ 0.98	₹24,979	0.6	1.8	3.8	7.7	7.3	7.48%	4M 22D	5M 4D
Franklin India Savings Fund Growth	₹47.7792 ↑ 0.01	₹1,985	0.6	1.9	3.8	7.7	7.3	7.4%	5M 8D	5M 19D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Nov 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 (12 Nov 24)	₹352.585 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹24,595 on 30 Sep 24
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.34
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	0%
Effective Maturity
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,694
31 Oct 21	₹11,099
31 Oct 22	₹11,580
31 Oct 23	₹12,444
31 Oct 24	₹13,409

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.5%
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	13.31 Yr.
Anuj Jain	22 Mar 21	3.62 Yr.
Mohit Sharma	1 Apr 17	7.59 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	73.01%
Debt	26.75%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	53.93%
Cash Equivalent	35.62%
Government	10.22%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 13032025 Sovereign Bonds \| -	2%	₹633 Cr	65,000,000 ↑ 65,000,000
Axis Bank Ltd. Debentures \| -	2%	₹490 Cr	10,000
364 DTB 13022025 Sovereign Bonds \| -	2%	₹490 Cr	50,000,000 ↑ 50,000,000
IDFC First Bank Ltd. Debentures \| -	2%	₹487 Cr	10,000
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
Tata Teleservices Ltd Debentures \| -	2%	₹463 Cr	9,500
Small Industries Development Bank of India Debentures \| -	1%	₹390 Cr	8,000
HDFC Bank Ltd. Debentures \| -	1%	₹341 Cr	7,000
Indusind Bank Ltd. Debentures \| -	1%	₹294 Cr	6,000

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 (12 Nov 24)	₹3,954.09 ↑ 0.72 (0.02 %)
Net Assets (Cr)	₹15,623 on 30 Sep 24
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.37
Sharpe Ratio	2.5
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	6 Months 18 Days
Modified Duration	6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,629
31 Oct 21	₹11,026
31 Oct 22	₹11,520
31 Oct 23	₹12,372
31 Oct 24	₹13,329

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.5%
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	6.3 Yr.
Vikash Agarwal	14 Sep 24	0.13 Yr.

Data below for Nippon India Money Market Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	90.15%
Debt	9.63%
Other	0.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	90.15%
Government	9.63%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 12122024 Sovereign Bonds \| -	2%	₹323 Cr	32,500,000 ↓ -5,000,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	1%	₹276 Cr	27,500,000
08.10 JH Sdl 2025 Sovereign Bonds \| -	1%	₹251 Cr	25,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	1%	₹211 Cr	21,500,000 ↑ 21,500,000
182 DTB 05122024 Sovereign Bonds \| -	1%	₹199 Cr	20,000,000
182 DTB 27022025 Sovereign Bonds \| -	1%	₹147 Cr	15,000,000 ↑ 15,000,000
182 DTB 18102024 Sovereign Bonds \| -	1%	₹147 Cr	15,000,000
India (Republic of) - \| -	1%	₹146 Cr	15,000,000
364 DTB 13022025 Sovereign Bonds \| -	1%	₹108 Cr	11,000,000 ↑ 1,000,000
08.06 AP 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 (12 Nov 24)	₹2,936.88 ↑ 0.52 (0.02 %)
Net Assets (Cr)	₹13,635 on 30 Sep 24
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	2.74
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
31 Oct 19	₹10,000
31 Oct 20	₹10,634
31 Oct 21	₹11,029
31 Oct 22	₹11,511
31 Oct 23	₹12,370
31 Oct 24	₹13,324

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.5%
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	2.92 Yr.
Amit Sharma	7 Jul 17	7.33 Yr.

Data below for UTI Money Market Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	90.48%
Debt	9.29%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	90.48%
Government	9.29%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	6%	₹1,012 Cr	10,350,000,000 ↑ 5,350,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	2%	₹294 Cr	3,000,000,000 ↑ 3,000,000,000
182 DTB 07112024 Sovereign Bonds \| -	1%	₹200 Cr	2,000,000,000
08.09 Ts SDL 2025 Sovereign Bonds \| -	1%	₹135 Cr	1,350,000,000
08.08 CG Sdl 2025 Sovereign Bonds \| -	1%	₹100 Cr	1,000,000,000
7.52% GJ Sdl 08/03/2025 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 ↓ -3,000,000,000
08.07 GJ Sdl 2025 Sovereign Bonds \| -	0%	₹45 Cr	450,000,000
CORPORATE DEBT MARKET DEVT FUND - A2 UNITS Investment Fund \| -	0%	₹37 Cr	35,515

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 (12 Nov 24)	₹361.488 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹28,505 on 15 Oct 24
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.46%
Effective Maturity	5 Months 9 Days
Modified Duration	4 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,654
31 Oct 21	₹11,042
31 Oct 22	₹11,508
31 Oct 23	₹12,355
31 Oct 24	₹13,307

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.4%
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	1.39 Yr.
Nikhil Kabra	3 Aug 16	8.25 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	69.93%
Debt	29.87%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	54.2%
Cash Equivalent	36.06%
Government	9.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd. Debentures \| -	3%	₹931 Cr	20,000 ↑ 20,000
364 DTB 06032025 Sovereign Bonds \| -	3%	₹927 Cr	95,000,000
Small Industries Development Bank of India Debentures \| -	3%	₹886 Cr	18,200 ↓ -1,000
Indian Bank Domestic Bonds \| -	2%	₹583 Cr	12,000
Union Bank of India Domestic Bonds \| -	2%	₹582 Cr	12,000
Axis Bank Ltd. Debentures \| -	2%	₹466 Cr	10,000 ↑ 10,000
India (Republic of) - \| -	1%	₹389 Cr	40,000,000
182 DTB 18112024 Sovereign Bonds \| -	1%	₹348 Cr	35,000,000
182 Day T-Bill 19.12.24 Sovereign Bonds \| -	1%	₹321 Cr	32,500,000
Hero Fincorp Limited Debentures \| -	1%	₹292 Cr	6,000

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 (12 Nov 24)	₹4,498.4 ↑ 0.85 (0.02 %)
Net Assets (Cr)	₹27,191 on 15 Oct 24
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	2.72
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	5 Years 18 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	₹10,663
31 Oct 21	₹11,072
31 Oct 22	₹11,548
31 Oct 23	₹12,402
31 Oct 24	₹13,358

Tata 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 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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.8%
3 Year	6.5%
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	11.05 Yr.

Data below for Tata Money Market Fund as on 15 Oct 24

Asset Allocation

Asset Class	Value
Cash	91.69%
Debt	8.1%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	91.69%
Government	8.1%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 12122024 Sovereign Bonds \| -	2%	₹668 Cr	67,500,000
182 DTB 18102024 Sovereign Bonds \| -	2%	₹488 Cr	50,000,000 ↑ 50,000,000
182 DTB 26122024 Sovereign Bonds \| -	1%	₹370 Cr	37,500,000
364 Day T-Bill 30.01.25 Sovereign Bonds \| -	1%	₹358 Cr	36,500,000
182 DTB 13032025 Sovereign Bonds \| -	1%	₹341 Cr	35,000,000 ↑ 35,000,000
182 DTB 10042025 Sovereign Bonds \| -	1%	₹330 Cr	34,000,000 ↑ 34,000,000
182 DTB 30012025 Sovereign Bonds \| -	1%	₹304 Cr	31,000,000 ↓ -500,000
182 DTB 05122024 Sovereign Bonds \| -	1%	₹273 Cr	27,500,000
08.14 GJ Sdl 2025 Sovereign Bonds \| -	0%	₹120 Cr	12,000,000
7.52% GJ Sdl 08/03/2025 Sovereign Bonds \| -	0%	₹100 Cr	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 (12 Nov 24)	₹4,279.32 ↑ 0.79 (0.02 %)
Net Assets (Cr)	₹25,998 on 30 Sep 24
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	2.39
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.46%
Effective Maturity	5 Months 1 Day
Modified Duration	5 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,599
31 Oct 21	₹10,984
31 Oct 22	₹11,461
31 Oct 23	₹12,301
31 Oct 24	₹13,249

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.8%
3 Year	6.5%
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	18.01 Yr.
Manu Sharma	1 Nov 22	2 Yr.

Data below for Kotak Money Market Scheme as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	80.85%
Debt	18.96%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	58.15%
Cash Equivalent	30.63%
Government	11.03%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.03% Govt Stock 2024 Sovereign Bonds \| -	2%	₹675 Cr	67,500,000
182 DTB 06022025 Sovereign Bonds \| -	2%	₹490 Cr	50,000,000
182 DTB 18102024 Sovereign Bonds \| -	2%	₹488 Cr	50,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹392 Cr	40,000
364 Days T - Bill- 06/02/2025 Sovereign Bonds \| -	1%	₹392 Cr	40,000,000 ↑ 40,000,000
ICICI Bank Ltd. Debentures \| -	1%	₹392 Cr	40,000
Axis Bank Ltd. Debentures \| -	1%	₹392 Cr	40,000
5.22 Govt Stock 15062025 Sovereign Bonds \| -	1%	₹347 Cr	35,000,000 ↑ 35,000,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	1%	₹249 Cr	25,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹244 Cr	25,000

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 (12 Nov 24)	₹5,446.9 ↑ 0.98 (0.02 %)
Net Assets (Cr)	₹24,979 on 30 Sep 24
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.41
Sharpe Ratio	1.98
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.48%
Effective Maturity	5 Months 4 Days
Modified Duration	4 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,684
31 Oct 21	₹11,081
31 Oct 22	₹11,549
31 Oct 23	₹12,393
31 Oct 24	₹13,341

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.8%
1 Year	7.7%
3 Year	6.4%
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	0.17 Yr.
Dhruv Muchhal	22 Jun 23	1.36 Yr.

Data below for HDFC Money Market Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	78.36%
Debt	21.42%
Other	0.21%

Debt Sector Allocation

Sector	Value
Corporate	51.82%
Cash Equivalent	40.51%
Government	7.46%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	2%	₹585 Cr	12,000
Union Bank of India Domestic Bonds \| -	2%	₹539 Cr	11,000
364 DTB 13032025 Sovereign Bonds \| -	2%	₹536 Cr	55,000,000
Tata Teleservices Ltd Debentures \| -	1%	₹341 Cr	7,000
182 DTB 14112024 Sovereign Bonds \| -	1%	₹303 Cr	30,500,000 ↑ 500,000
91 DTB 28112024 Sovereign Bonds \| -	1%	₹298 Cr	30,000,000 ↑ 30,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹293 Cr	6,000
Indian Bank Domestic Bonds \| -	1%	₹243 Cr	5,000
Punjab & Sind Bank Debentures \| -	1%	₹242 Cr	5,000
08.10 Up SDL 2025 Sovereign Bonds \| -	1%	₹241 Cr	24,000,000

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 (12 Nov 24)	₹47.7792 ↑ 0.01 (0.02 %)
Net Assets (Cr)	₹1,985 on 30 Sep 24
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.27
Sharpe Ratio	2.29
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.4%
Effective Maturity	5 Months 19 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,636
31 Oct 21	₹11,010
31 Oct 22	₹11,438
31 Oct 23	₹12,271
31 Oct 24	₹13,206

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 12 Nov 24

Duration	Returns
1 Month	0.6%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.3%
5 Year	5.7%
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	1.07 Yr.
Rohan Maru	10 Oct 24	0.06 Yr.
Chandni Gupta	30 Apr 24	0.51 Yr.

Data below for Franklin India Savings Fund as on 30 Sep 24

Asset Allocation

Asset Class	Value
Cash	75.5%
Debt	24.33%
Other	0.17%

Debt Sector Allocation

Sector	Value
Corporate	46.92%
Cash Equivalent	38.92%
Government	13.99%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹98 Cr	10,000,000
Indian Bank Domestic Bonds \| -	4%	₹97 Cr	2,000
364 DTB 31072025 Sovereign Bonds \| -	4%	₹95 Cr	10,000,000
364 DTB 28022025 Sovereign Bonds \| -	3%	₹68 Cr	7,151,200
HDFC Bank Ltd. Debentures \| -	2%	₹54 Cr	1,100 ↑ 100
5.22 Govt Stock 15062025 Sovereign Bonds \| -	2%	₹50 Cr	5,000,000 ↑ 5,000,000
IDFC First Bank Ltd. Debentures \| -	2%	₹49 Cr	1,000
Small Industries Development Bank of India Debentures \| -	2%	₹49 Cr	1,000
182 DTB 09012025 Sovereign Bonds \| -	1%	₹25 Cr	2,500,000
364 DTB Sovereign Bonds \| -	1%	₹25 Cr	2,500,000

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