عام الفاظ میں،بہترین مائع فنڈز (منی مارکیٹ فنڈزقرض ہیں۔باہمی چندہ یا بلکہ پیسے؟مارکیٹ سرمایہ کاری کی مدت میں صرف فرق کے ساتھ میوچل فنڈز۔ منی مارکیٹ فنڈز بہت کم منی مارکیٹ کے آلات میں سرمایہ کاری کرتے ہیں جیسےجمع کروانے کی رسیدٹریژری بلز، کمرشل پیپرز وغیرہ۔
ان فنڈز کی سرمایہ کاری کا دورانیہ بہت مختصر ہے، عام طور پر چند دنوں سے لے کر چند ہفتوں تک (یہ ایک دن بھی ہوسکتا ہے!) کی اوسط بقایا پختگیمائع فنڈز 91 دن سے کم ہے کیونکہ وہ ان سیکیورٹیز میں سرمایہ کاری کرتے ہیں جن کی انفرادی طور پر میچورٹی 91 دن تک ہوتی ہے۔
قلیل مدتی ہوناقرض فنڈیہ فنڈز ان سرمایہ کاروں کے لیے انتہائی موزوں ہیں جو مختصر مدت کے لیے کم خطرے والی سرمایہ کاری کے خواہاں ہیں۔ بہترین مائع فنڈز کی کم میچورٹی مدت فنڈ مینیجرز کو پورا کرنے میں مدد کرتی ہے۔رہائی سرمایہ کاروں کی مانگ آسانی سے۔ مارکیٹ میں، مختلف منی مارکیٹ فنڈ سرمایہ کاری دستیاب ہے۔
کرنسی مارکیٹ میں سیکیورٹیز نسبتاً کم خطرہ ہیں۔
منی مارکیٹ فنڈز کو میوچل فنڈ کی تمام سرمایہ کاری میں محفوظ اور محفوظ سمجھا جاتا ہے۔
منی مارکیٹ فنڈز پر غور کرتے ہوئے، منی مارکیٹ اکاؤنٹ میں سرمایہ کاری کرنا آسان ہے۔سرمایہ کاری میوچل فنڈز کے ذریعے سرمایہ کار اپنی سہولت کے مطابق ایک اکاؤنٹ کھول سکتے ہیں، جمع کر سکتے ہیں اور نکال سکتے ہیں۔
منی مارکیٹ فنڈز کو تمام میوچل فنڈ سرمایہ کاری کی سب سے کم اتار چڑھاؤ والی اقسام میں سے ایک سمجھا جاتا ہے۔
منی مارکیٹ فنڈز کی کارکردگی ریزرو کی طرف سے مقرر کردہ شرح سود سے قریبی تعلق رکھتی ہے۔بینک بھارت کےسنٹرل بینک آف انڈیا. لہذا، جب RBI مارکیٹ میں شرحیں بڑھاتا ہے، پیداوار میں اضافہ ہوتا ہے، اور منی مارکیٹ فنڈز اچھا منافع دینے کے قابل ہوتے ہیں۔
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منی مارکیٹ فنڈ اس مقصد کے ساتھ منی مارکیٹ کے آلات میں سرمایہ کاری کرتا ہے۔پیشکش اچھا منافع (سودآمدنی) اور رکھنانہیں ہیں اتار چڑھاو کم سے کم
منی مارکیٹ ایک ایسا تبادلہ ہے جہاں نقد اور نقد کے مساوی آلات کی تجارت ہوتی ہے۔ کرنسی مارکیٹوں میں جن آلات کی تجارت کی جاتی ہے ان کی میچورٹی ہوتی ہے جو راتوں رات سے ایک سال تک مختلف ہو سکتی ہے۔ ہندوستان میں منی مارکیٹ کے کچھ اہم آلات یہ ہیں:
حکومت ہند 365 دنوں تک فنڈز اکٹھا کرنے کے لیے ٹریژری بل جاری کرتی ہے۔ چونکہ یہ حکومت کی طرف سے جاری کیے جاتے ہیں، ان کو بہت محفوظ سمجھا جاتا ہے۔ تاہم، کم خطرات بھی کم منافع میں ترجمہ کرتے ہیں جو کہ ٹریژری بلز کے معاملے میں بھی ہے۔ ٹی بلز پر منافع دیگر منی مارکیٹ کے آلات سے کم ہے۔
سی ڈی ایک ٹرم ڈپازٹ ہے جو طے شدہ کمرشل بینکوں کے ذریعہ پیش کیا جاتا ہے جس کے پاس قبل از وقت چھٹکارے کا اختیار نہیں ہوتا ہے۔ سی ڈی اور کے درمیان بنیادی فرقایف ڈی یہ ہے کہ سی ڈیز آزادانہ طور پر بات چیت کے قابل ہیں۔
قلیل مدتی قرضوں کی سہولت کے لیے بینک اور RBI کے درمیان دوبارہ خریداری کا معاہدہ کیا جاتا ہے۔ یہ دو بینکوں کے درمیان بھی بنایا جا سکتا ہے۔
اعلی کریڈٹ ریٹنگ والی کمپنیاں اور مالیاتی ادارے ایک جاری کر سکتے ہیں۔کاروباری صفحہ جو کہ ایک قلیل مدتی، غیر محفوظ وعدہ نوٹ ہے۔ یہ ایسے اداروں کو اپنے قلیل مدتی قرض لینے کے ذرائع کو متنوع بنانے کی اجازت دیتا ہے۔ CPs عام طور پر رعایتی شرح پر جاری کیے جاتے ہیں جب کہ چھٹکارا جاری ہوتا ہے۔Face Value. دیسرمایہ کار فرق کماتا ہے۔
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. 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. Research Highlights for Tata Money Market Fund Below is the key information for Tata 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. Research Highlights for ICICI Prudential Money Market Fund Below is the key information for ICICI Prudential Money Market Fund Returns up to 1 year are on (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. Research Highlights for Aditya Birla Sun Life Money Manager Fund 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. Research Highlights for Nippon India Money Market Fund Below is the key information for Nippon India 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. Research Highlights for Kotak Money Market Scheme 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. Research Highlights for HDFC Money Market Fund Below is the key information for HDFC Money Market Fund Returns up to 1 year are on (Erstwhile IDFC Money Manager Fund - Treasury Plan) Seek to generate stable returns with a low risk strategy by creating a portfolio that is substantially invested in good quality floating rate debt or money market
instruments, fixed rate debt or money market instruments swapped for floating
returns and fixed rate debt and money market instruments. However, there can
be no assurance that the investment objectives of the scheme will be realized. Research Highlights for Bandhan Money Manager Fund Below is the key information for Bandhan Money Manager Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Money Market Fund Growth ₹3,244.17
↑ 1.05 ₹20,320 0.8 1.7 3.1 6.6 7.5 6.03% 7M 7M Tata Money Market Fund Growth ₹4,966.88
↑ 1.78 ₹33,999 0.9 1.7 3.1 6.6 7.4 6.64% 6D 6D ICICI Prudential Money Market Fund Growth ₹399.138
↑ 0.13 ₹32,236 0.8 1.7 3.1 6.6 7.4 6.77% 7M 21D 8M 9D Aditya Birla Sun Life Money Manager Fund Growth ₹389.134
↑ 0.14 ₹30,778 0.9 1.8 3.1 6.6 7.4 7.02% 7M 17D 7M 20D Nippon India Money Market Fund Growth ₹4,364.67
↑ 1.43 ₹21,876 0.9 1.7 3 6.6 7.4 6.89% 7M 21D 8M 8D Kotak Money Market Scheme Growth ₹4,723.02
↑ 1.40 ₹33,661 0.8 1.7 3.1 6.6 7.4 6.84% 7M 24D 7M 24D HDFC Money Market Fund Growth ₹6,011.56
↑ 1.93 ₹33,094 0.9 1.7 3.1 6.6 7.4 6.87% 6M 29D 7M 15D Bandhan Money Manager Fund Growth ₹42.3929
↑ 0.01 ₹14,805 0.9 1.7 3.1 6.6 7.3 6.63% 7M 19D 7M 20D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Apr 26 Research Highlights & Commentary of 8 Funds showcased
Commentary UTI Money Market Fund Tata Money Market Fund ICICI Prudential Money Market Fund Aditya Birla Sun Life Money Manager Fund Nippon India Money Market Fund Kotak Money Market Scheme HDFC Money Market Fund Bandhan Money Manager Fund Point 1 Bottom quartile AUM (₹20,320 Cr). Highest AUM (₹33,999 Cr). Upper mid AUM (₹32,236 Cr). Lower mid AUM (₹30,778 Cr). Lower mid AUM (₹21,876 Cr). Top quartile AUM (₹33,661 Cr). Upper mid AUM (₹33,094 Cr). Bottom quartile AUM (₹14,805 Cr). Point 2 Established history (16+ yrs). Established history (22+ yrs). Established history (20+ yrs). Established history (20+ yrs). Established history (20+ yrs). Established history (22+ yrs). Oldest track record among peers (26 yrs). Established history (23+ yrs). Point 3 Rating: 4★ (top quartile). Rating: 3★ (lower mid). Rating: 4★ (upper mid). Top rated. Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Point 5 1Y return: 6.63% (top quartile). 1Y return: 6.60% (top quartile). 1Y return: 6.60% (upper mid). 1Y return: 6.59% (upper mid). 1Y return: 6.59% (lower mid). 1Y return: 6.58% (lower mid). 1Y return: 6.58% (bottom quartile). 1Y return: 6.58% (bottom quartile). Point 6 1M return: 0.84% (bottom quartile). 1M return: 0.87% (top quartile). 1M return: 0.83% (bottom quartile). 1M return: 0.88% (top quartile). 1M return: 0.85% (lower mid). 1M return: 0.84% (lower mid). 1M return: 0.86% (upper mid). 1M return: 0.85% (upper mid). Point 7 Sharpe: 2.45 (upper mid). Sharpe: 2.38 (upper mid). Sharpe: 2.51 (top quartile). Sharpe: 2.09 (bottom quartile). Sharpe: 2.28 (bottom quartile). Sharpe: 2.32 (lower mid). Sharpe: 2.32 (lower mid). Sharpe: 2.54 (top quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.03% (bottom quartile). Yield to maturity (debt): 6.64% (lower mid). Yield to maturity (debt): 6.77% (lower mid). Yield to maturity (debt): 7.02% (top quartile). Yield to maturity (debt): 6.89% (top quartile). Yield to maturity (debt): 6.84% (upper mid). Yield to maturity (debt): 6.87% (upper mid). Yield to maturity (debt): 6.63% (bottom quartile). Point 10 Modified duration: 0.58 yrs (upper mid). Modified duration: 0.02 yrs (top quartile). Modified duration: 0.64 yrs (bottom quartile). Modified duration: 0.63 yrs (upper mid). Modified duration: 0.64 yrs (lower mid). Modified duration: 0.65 yrs (bottom quartile). Modified duration: 0.58 yrs (top quartile). Modified duration: 0.64 yrs (lower mid). UTI Money Market Fund
Tata Money Market Fund
ICICI Prudential Money Market Fund
Aditya Birla Sun Life Money Manager Fund
Nippon India Money Market Fund
Kotak Money Market Scheme
HDFC Money Market Fund
Bandhan Money Manager Fund
1. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (16 Apr 26) ₹3,244.17 ↑ 1.05 (0.03 %) Net Assets (Cr) ₹20,320 on 28 Feb 26 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.45 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.03% Effective Maturity 7 Months Modified Duration 7 Months Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,390 31 Mar 23 ₹10,983 31 Mar 24 ₹11,818 31 Mar 25 ₹12,737 31 Mar 26 ₹13,581 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.7% 6 Month 3.1% 1 Year 6.6% 3 Year 7.4% 5 Year 6.4% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.5% 2023 7.7% 2022 7.4% 2021 4.9% 2020 3.7% 2019 6% 2018 8% 2017 7.8% 2016 6.7% 2015 7.7% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 4.33 Yr. Amit Sharma 7 Jul 17 8.74 Yr. Data below for UTI Money Market Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 78.09% Debt 21.6% Other 0.31% Debt Sector Allocation
Sector Value Corporate 50.04% Cash Equivalent 35.68% Government 13.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -3% ₹494 Cr 5,000,000,000 National Bank for Financing Infrastructure & Development
Domestic Bonds | -3% ₹469 Cr 5,000,000,000 HDFC Bank Ltd.
Debentures | -3% ₹468 Cr 5,000,000,000 5.74% Gs 2026
Sovereign Bonds | -2% ₹280 Cr 2,800,000,000
↑ 2,800,000,000 Bank Of Maharashtra
Domestic Bonds | -1% ₹213 Cr 2,250,000,000 Kotak Mahindra Bank Ltd.
Debentures | -1% ₹211 Cr 2,250,000,000 HDFC Bank Ltd.
Debentures | -1% ₹193 Cr 2,000,000,000
↑ 2,000,000,000 Indian Bank
Domestic Bonds | -1% ₹192 Cr 2,000,000,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹189 Cr 2,000,000,000 Indusind Bank Ltd.
Debentures | -1% ₹188 Cr 2,000,000,000 2. Tata Money Market Fund
Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (16 Apr 26) ₹4,966.88 ↑ 1.78 (0.04 %) Net Assets (Cr) ₹33,999 on 15 Mar 26 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.44 Sharpe Ratio 2.38 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.64% Effective Maturity 6 Days Modified Duration 6 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,401 31 Mar 23 ₹10,979 31 Mar 24 ₹11,815 31 Mar 25 ₹12,727 31 Mar 26 ₹13,564 Returns for Tata Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.9% 3 Month 1.7% 6 Month 3.1% 1 Year 6.6% 3 Year 7.4% 5 Year 6.4% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.7% 2022 7.4% 2021 4.8% 2020 3.9% 2019 6.4% 2018 8.1% 2017 -0.1% 2016 6.7% 2015 7.6% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 12.46 Yr. Data below for Tata Money Market Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 84.26% Debt 15.43% Other 0.31% Debt Sector Allocation
Sector Value Cash Equivalent 41.31% Corporate 40.46% Government 17.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Bank
Domestic Bonds | -3% ₹943 Cr 19,500 India (Republic of)
- | -3% ₹882 Cr 90,000,000
↑ 90,000,000 02/04/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹695 Cr 69,500,000
↓ -90,000,000 India (Republic of)
- | -2% ₹693 Cr 70,000,000
↑ 70,000,000 Indian Overseas Bank
Debentures | -2% ₹655 Cr 14,000 Tbill
Sovereign Bonds | -2% ₹608 Cr 61,500,000
↑ 41,500,000 India (Republic of)
- | -2% ₹587 Cr 60,000,000
↑ 60,000,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹558 Cr 12,000 Bank of Baroda
Debentures | -1% ₹484 Cr 10,000 Tbill
Sovereign Bonds | -1% ₹238 Cr 25,000,000 3. ICICI Prudential Money Market Fund
ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (16 Apr 26) ₹399.138 ↑ 0.13 (0.03 %) Net Assets (Cr) ₹32,236 on 15 Mar 26 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 2.51 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 8 Months 9 Days Modified Duration 7 Months 21 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,381 31 Mar 23 ₹10,958 31 Mar 24 ₹11,789 31 Mar 25 ₹12,702 31 Mar 26 ₹13,540 Returns for ICICI Prudential Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.7% 6 Month 3.1% 1 Year 6.6% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.7% 2022 7.4% 2021 4.7% 2020 3.7% 2019 6.2% 2018 7.9% 2017 7.7% 2016 6.7% 2015 7.7% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Manish Banthia 12 Jun 23 2.81 Yr. Nikhil Kabra 3 Aug 16 9.67 Yr. Data below for ICICI Prudential Money Market Fund as on 15 Mar 26
Asset Allocation
Asset Class Value Cash 86.73% Debt 12.98% Other 0.29% Debt Sector Allocation
Sector Value Corporate 48.76% Cash Equivalent 29.5% Government 21.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.33% Govt Stock 2026
Sovereign Bonds | -4% ₹1,312 Cr 130,000,000
↑ 130,000,000 6.97% Govt Stock 2026
Sovereign Bonds | -3% ₹1,061 Cr 105,500,000
↑ 105,500,000 Bank of India Ltd.
Debentures | -1% ₹470 Cr 10,000 7.86% Westbengal Sdl 2026
Sovereign Bonds | -1% ₹292 Cr 29,000,000
↑ 29,000,000 Tbill
Sovereign Bonds | -1% ₹196 Cr 20,000,000
↑ 20,000,000 India (Republic of)
- | -1% ₹195 Cr 20,000,000
↑ 20,000,000 7.39% Tamilnadu SDL 2026
Sovereign Bonds | -1% ₹172 Cr 17,000,000
↑ 17,000,000 Punjab National Bank
Domestic Bonds | -0% ₹94 Cr 2,000 Corporate Debt Market Development Fund (Class A2)
- | -0% ₹91 Cr 77,551 7.07% Tamilnadu SDL 2026
Sovereign Bonds | -0% ₹76 Cr 7,500,000 4. Aditya Birla Sun Life Money Manager Fund
Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (16 Apr 26) ₹389.134 ↑ 0.14 (0.04 %) Net Assets (Cr) ₹30,778 on 28 Feb 26 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.35 Sharpe Ratio 2.09 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 7 Months 20 Days Modified Duration 7 Months 17 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,397 31 Mar 23 ₹10,985 31 Mar 24 ₹11,825 31 Mar 25 ₹12,741 31 Mar 26 ₹13,571 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 16 Apr 26 Duration Returns 1 Month 0.9% 3 Month 1.8% 6 Month 3.1% 1 Year 6.6% 3 Year 7.4% 5 Year 6.4% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.8% 2022 7.4% 2021 4.8% 2020 3.8% 2019 6.6% 2018 8% 2017 7.9% 2016 6.8% 2015 7.7% Fund Manager information for Aditya Birla Sun Life Money Manager Fund
Name Since Tenure Kaustubh Gupta 15 Jul 11 14.72 Yr. Anuj Jain 22 Mar 21 5.03 Yr. Mohit Sharma 1 Apr 17 9.01 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 69.55% Debt 30.17% Other 0.28% Debt Sector Allocation
Sector Value Corporate 50.31% Cash Equivalent 37.79% Government 11.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -5% ₹1,410 Cr 30,000 Axis Bank Ltd.
Debentures | -3% ₹951 Cr 20,000 Federal Bank Ltd.
Debentures | -3% ₹939 Cr 20,000 5.63% Govt Stock 2026
Sovereign Bonds | -2% ₹470 Cr 47,000,000 Karur Vysya Bank Ltd.
Debentures | -2% ₹468 Cr 10,000 02/10/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹389 Cr 40,000,000 Kotak Mahindra Bank Ltd.
Debentures | -1% ₹388 Cr 8,000 7.49% Gujarat Sgs 2026
Sovereign Bonds | -1% ₹327 Cr 32,500,000 HDFC Bank Ltd.
Debentures | -1% ₹258 Cr 5,500
↑ 5,500 Gujarat State Development Loans
Sovereign Bonds | -1% ₹252 Cr 25,000,000 5. Nippon India Money Market Fund
Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (16 Apr 26) ₹4,364.67 ↑ 1.43 (0.03 %) Net Assets (Cr) ₹21,876 on 28 Feb 26 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 2.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 8 Months 8 Days Modified Duration 7 Months 21 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,392 31 Mar 23 ₹10,990 31 Mar 24 ₹11,824 31 Mar 25 ₹12,737 31 Mar 26 ₹13,575 Returns for Nippon India Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.9% 3 Month 1.7% 6 Month 3% 1 Year 6.6% 3 Year 7.4% 5 Year 6.4% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.8% 2022 7.4% 2021 5% 2020 3.8% 2019 6% 2018 8.1% 2017 7.9% 2016 6.6% 2015 7.6% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 7.71 Yr. Vikash Agarwal 14 Sep 24 1.54 Yr. Amber Singhania 11 Mar 26 0.06 Yr. Data below for Nippon India Money Market Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 83.14% Debt 16.56% Other 0.3% Debt Sector Allocation
Sector Value Corporate 47.32% Cash Equivalent 34.23% Government 18.15% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹490 Cr 50,000,000 Tbill
Sovereign Bonds | -3% ₹489 Cr 50,000,000 UCO Bank
Domestic Bonds | -2% ₹469 Cr 10,000 India (Republic of)
- | -2% ₹440 Cr 45,000,000 11/06/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹361 Cr 36,500,000
↓ -2,500,000 HDFC Bank Ltd.
Debentures | -1% ₹282 Cr 6,000
↑ 6,000 Punjab & Sind Bank
Debentures | -1% ₹233 Cr 5,000
↑ 5,000 25/06/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹198 Cr 20,000,000
↑ 20,000,000 India (Republic of)
- | -1% ₹195 Cr 20,000,000
↑ 20,000,000 AU Small Finance Bank Ltd.
Debentures | -1% ₹187 Cr 4,000 6. Kotak Money Market Scheme
Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (16 Apr 26) ₹4,723.02 ↑ 1.40 (0.03 %) Net Assets (Cr) ₹33,661 on 28 Feb 26 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 2.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.84% Effective Maturity 7 Months 24 Days Modified Duration 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,385 31 Mar 23 ₹10,970 31 Mar 24 ₹11,800 31 Mar 25 ₹12,708 31 Mar 26 ₹13,545 Returns for Kotak Money Market Scheme
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.8% 3 Month 1.7% 6 Month 3.1% 1 Year 6.6% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.7% 2022 7.3% 2021 4.9% 2020 3.7% 2019 5.7% 2018 8% 2017 7.7% 2016 6.7% 2015 7.7% Fund Manager information for Kotak Money Market Scheme
Name Since Tenure Deepak Agrawal 1 Nov 06 19.43 Yr. Manu Sharma 1 Nov 22 3.41 Yr. Data below for Kotak Money Market Scheme as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 76.63% Debt 23.09% Other 0.29% Debt Sector Allocation
Sector Value Corporate 52.13% Government 24.75% Cash Equivalent 22.84% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹1,072 Cr 110,000,000
↑ 110,000,000 06/08/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹736 Cr 75,000,000 Tbill
Sovereign Bonds | -2% ₹734 Cr 75,000,000 India (Republic of)
- | -2% ₹732 Cr 75,000,000 Indusind Bank Ltd.
Debentures | -2% ₹705 Cr 75,000 Indusind Bank Ltd.
Debentures | -2% ₹664 Cr 70,000 Canara Bank
Domestic Bonds | -1% ₹484 Cr 50,000
↑ 50,000 Punjab National Bank
Domestic Bonds | -1% ₹472 Cr 50,000 India (Republic of)
- | -1% ₹366 Cr 37,500,000 Federal Bank Ltd.
Debentures | -1% ₹354 Cr 37,500 7. HDFC Money Market Fund
HDFC Money Market Fund
Growth Launch Date 18 Nov 99 NAV (16 Apr 26) ₹6,011.56 ↑ 1.93 (0.03 %) Net Assets (Cr) ₹33,094 on 28 Feb 26 Category Debt - Money Market AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.4 Sharpe Ratio 2.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 7 Months 15 Days Modified Duration 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,389 31 Mar 23 ₹10,963 31 Mar 24 ₹11,787 31 Mar 25 ₹12,692 31 Mar 26 ₹13,524 Returns for HDFC Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.9% 3 Month 1.7% 6 Month 3.1% 1 Year 6.6% 3 Year 7.3% 5 Year 6.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.7% 2022 7.3% 2021 4.7% 2020 3.8% 2019 6.5% 2018 8.1% 2017 7.4% 2016 6.5% 2015 7.5% Fund Manager information for HDFC Money Market Fund
Name Since Tenure Praveen Jain 30 Aug 24 1.58 Yr. Dhruv Muchhal 22 Jun 23 2.78 Yr. Data below for HDFC Money Market Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 74.56% Debt 25.12% Other 0.32% Debt Sector Allocation
Sector Value Corporate 48.96% Cash Equivalent 37.41% Government 13.32% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -3% ₹936 Cr 20,000 Indian Overseas Bank
Debentures | -3% ₹936 Cr 20,000 YES Bank Ltd.
Debentures | -3% ₹934 Cr 20,000 Punjab & Sind Bank
Debentures | -2% ₹607 Cr 13,000 Punjab National Bank
Domestic Bonds | -2% ₹537 Cr 11,500
↑ 11,500 IDFC First Bank Ltd.
Debentures | -2% ₹490 Cr 10,000 Bank Of Maharashtra
Domestic Bonds | -2% ₹472 Cr 10,000 Tbill
Sovereign Bonds | -2% ₹447 Cr 45,000,000 Bank of India Ltd.
Debentures | -1% ₹422 Cr 9,000 19/03/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹300 Cr 30,000,000 8. Bandhan Money Manager Fund
Bandhan Money Manager Fund
Growth Launch Date 18 Feb 03 NAV (16 Apr 26) ₹42.3929 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹14,805 on 28 Feb 26 Category Debt - Money Market AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.58 Sharpe Ratio 2.54 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.63% Effective Maturity 7 Months 20 Days Modified Duration 7 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 21 ₹10,000 31 Mar 22 ₹10,309 31 Mar 23 ₹10,806 31 Mar 24 ₹11,546 31 Mar 25 ₹12,398 31 Mar 26 ₹13,211 Returns for Bandhan Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Apr 26 Duration Returns 1 Month 0.9% 3 Month 1.7% 6 Month 3.1% 1 Year 6.6% 3 Year 7% 5 Year 5.8% 10 Year 15 Year Since launch 6.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 7.2% 2022 6.7% 2021 4% 2020 2.9% 2019 5% 2018 6.7% 2017 6.2% 2016 6% 2015 8.1% Fund Manager information for Bandhan Money Manager Fund
Name Since Tenure Gautam Kaul 1 Dec 21 4.33 Yr. Brijesh Shah 12 Jul 21 4.72 Yr. Data below for Bandhan Money Manager Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 89.59% Debt 10.15% Other 0.26% Debt Sector Allocation
Sector Value Corporate 58.13% Cash Equivalent 24.14% Government 17.46% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -5% ₹685 Cr 70,000,000 Small Industries Development Bank of India
Debentures | -2% ₹216 Cr 22,500,000 21/05/2026 Maturing 182 DTB
Sovereign Bonds | -2% ₹208 Cr 21,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹187 Cr 20,000,000
↑ 20,000,000 5.63% Govt Stock 2026
Sovereign Bonds | -1% ₹150 Cr 15,000,000
↑ 15,000,000 14/05/2026 Maturing 182 DTB
Sovereign Bonds | -1% ₹118 Cr 11,861,000 7.08% Karnataka Sdl 2026
Sovereign Bonds | -1% ₹106 Cr 10,500,000 7.96% Maharashtra Sdl 2026
Sovereign Bonds | -1% ₹101 Cr 10,000,000 7.39% Tamilnadu SDL 2026
Sovereign Bonds | -0% ₹60 Cr 5,928,300 8.08% Maharashtra Sdl 2026
Sovereign Bonds | -0% ₹45 Cr 4,500,000
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Research Highlights for UTI Money Market Fund