سرفہرست 8 بہترین کارکردگی کا مظاہرہ کرنے والے منی مارکیٹ میوچل فنڈز 2022 | Fincash.com

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بہترین منی مارکیٹ میوچل فنڈز 2022

Updated on February 28, 2025 , 43147 views

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۔

منی مارکیٹ فنڈز میں سرمایہ کاری کیوں کی جائے؟

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 فنڈز کیسے کام کرتے ہیں؟

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 کے آلات کی اقسام

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:

1. ٹریژری بلز یا ٹی بلز

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۔

2. ڈپازٹ کا سرٹیفکیٹ یا سی ڈی

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۔

3. دوبارہ خریداری کے معاہدے یا ریپوز

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۔

4. کمرشل پیپر یا CP

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۔

سرفہرست 8 منی مارکیٹ میوچل فنڈز 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	₹360.14 ↑ 0.16	₹25,919	0.6	1.8	3.7	7.7	7.8	7.6%	6M 22D	6M 22D
UTI Money Market Fund Growth	₹2,999.82 ↑ 1.35	₹17,810	0.6	1.8	3.7	7.6	7.7	7.51%	6M 1D	6M 1D
Nippon India Money Market Fund Growth	₹4,037.57 ↑ 1.75	₹16,582	0.5	1.8	3.6	7.6	7.8	7.59%	6M 3D	6M 18D
ICICI Prudential Money Market Fund Growth	₹368.979 ↑ 0.06	₹27,652	0.5	1.7	3.6	7.6	7.7	7.45%	4M 22D	5M 4D
Tata Money Market Fund Growth	₹4,594.2 ↑ 1.97	₹27,184	0.5	1.8	3.6	7.6	7.7	7.46%	6M 12D	6M 13D
Kotak Money Market Scheme Growth	₹4,370.08 ↑ 1.93	₹26,221	0.6	1.8	3.6	7.6	7.7	7.58%	6M 25D	6M 29D
Franklin India Savings Fund Growth	₹48.7951 ↑ 0.02	₹2,548	0.5	1.8	3.6	7.6	7.7	7.56%	5M 19D	6M 4D
HDFC Money Market Fund Growth	₹5,561.96 ↑ 2.40	₹27,366	0.5	1.7	3.6	7.6	7.7	7.47%	4M 19D	5M 1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Mar 25

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 2024 was 7.8% , 2023 was 7.4% and 2022 was 4.8% .

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 (03 Mar 25)	₹360.14 ↑ 0.16 (0.04 %)
Net Assets (Cr)	₹25,919 on 31 Jan 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	3.61
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.6%
Effective Maturity	6 Months 22 Days
Modified Duration	6 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,606
28 Feb 22	₹11,030
28 Feb 23	₹11,608
29 Feb 24	₹12,498
28 Feb 25	₹13,455

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 3 Mar 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.7%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.4%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	13.56 Yr.
Anuj Jain	22 Mar 21	3.87 Yr.
Mohit Sharma	1 Apr 17	7.84 Yr.
Dhaval Joshi	21 Nov 22	2.2 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	98.26%
Debt	1.49%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	64.86%
Corporate	31.78%
Government	3.11%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 13032025 Sovereign Bonds \| -	2%	₹644 Cr	65,000,000
91 DTB 10042025 Sovereign Bonds \| -	2%	₹630 Cr	64,000,000 ↑ 64,000,000
364 DTB 13022025 Sovereign Bonds \| -	2%	₹498 Cr	50,000,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	2%	₹470 Cr	47,000,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	2%	₹466 Cr	46,500,000
ICICI Bank Ltd. Debentures \| -	1%	₹235 Cr	5,000
364 DTB 02052024 Sovereign Bonds \| -	1%	₹180 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
07.89 GJ Sdl 2025 Sovereign Bonds \| -	0%	₹100 Cr	10,000,000

2. 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 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.9% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (03 Mar 25)	₹2,999.82 ↑ 1.35 (0.04 %)
Net Assets (Cr)	₹17,810 on 31 Jan 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	3.51
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.51%
Effective Maturity	6 Months 1 Day
Modified Duration	6 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,560
28 Feb 22	₹10,970
28 Feb 23	₹11,555
29 Feb 24	₹12,438
28 Feb 25	₹13,387

UTI 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 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 3 Mar 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.7%
1 Year	7.6%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.4%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	3.17 Yr.
Amit Sharma	7 Jul 17	7.58 Yr.

Data below for UTI Money Market Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	96.29%
Debt	3.47%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.47%
Corporate	24%
Government	2.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 18102024 Sovereign Bonds \| -	6%	₹1,026 Cr	10,350,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	2%	₹298 Cr	3,000,000,000
182 DTB 27062025 Sovereign Bonds \| -	1%	₹194 Cr	2,000,000,000 ↑ 2,000,000,000
Cd - Union Bank Of India - 02/04/25 Debentures \| -	1%	₹172 Cr	1,750,000,000 ↓ -250,000,000
India (Republic of) - \| -	1%	₹172 Cr	1,750,000,000
Axis Bank Ltd. Debentures \| -	1%	₹141 Cr	1,500,000,000
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
HDFC Bank Ltd. Debentures \| -	0%	₹71 Cr	750,000,000 ↓ -250,000,000

3. 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 2024 was 7.8% , 2023 was 7.4% and 2022 was 5% .

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (03 Mar 25)	₹4,037.57 ↑ 1.75 (0.04 %)
Net Assets (Cr)	₹16,582 on 31 Jan 25
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	7.59%
Effective Maturity	6 Months 18 Days
Modified Duration	6 Months 3 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,553
28 Feb 22	₹10,967
28 Feb 23	₹11,557
29 Feb 24	₹12,435
28 Feb 25	₹13,381

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 3 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.6%
1 Year	7.6%
3 Year	6.9%
5 Year	6%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.3%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	6.55 Yr.
Vikash Agarwal	14 Sep 24	0.38 Yr.

Data below for Nippon India Money Market Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	93.8%
Debt	5.94%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	57.4%
Corporate	35.38%
Government	6.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 08052025 Sovereign Bonds \| -	2%	₹294 Cr	30,000,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	2%	₹275 Cr	27,500,000
08.10 JH Sdl 2025 Sovereign Bonds \| -	1%	₹251 Cr	25,000,000
05.91 KL Sdl 2025 Sovereign Bonds \| -	1%	₹199 Cr	20,000,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	1%	₹149 Cr	15,000,000
182 DTB 18102024 Sovereign Bonds \| -	1%	₹149 Cr	15,000,000
India (Republic of) - \| -	1%	₹148 Cr	15,000,000
364 DTB Sovereign Bonds \| -	1%	₹113 Cr	11,500,000
364 DTB 13022025 Sovereign Bonds \| -	1%	₹104 Cr	10,500,000 ↓ -500,000
08.09 Ts SDL 2025 Sovereign Bonds \| -	1%	₹100 Cr	10,000,000

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 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.7% .

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (28 Feb 25)	₹368.979 ↑ 0.06 (0.02 %)
Net Assets (Cr)	₹27,652 on 31 Jan 25
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	3.11
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.45%
Effective Maturity	5 Months 4 Days
Modified Duration	4 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,579
28 Feb 22	₹10,981
28 Feb 23	₹11,547
29 Feb 24	₹12,429
28 Feb 25	₹13,374

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 3 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.6%
1 Year	7.6%
3 Year	6.8%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.3%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	1.64 Yr.
Nikhil Kabra	3 Aug 16	8.5 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	96.88%
Debt	2.87%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	66.44%
Corporate	31.85%
Government	1.46%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 06032025 Sovereign Bonds \| -	3%	₹942 Cr	95,000,000
Axis Bank Ltd. Debentures \| -	2%	₹488 Cr	10,000 ↑ 10,000
India (Republic of) - \| -	1%	₹396 Cr	40,000,000
182 DTB 13032025 Sovereign Bonds \| -	1%	₹371 Cr	37,500,000
Bank of India Ltd. Debentures \| -	1%	₹292 Cr	6,000
182 D Tbill Mat - 14/02/2025 Sovereign Bonds \| -	1%	₹249 Cr	25,000,000
364 DTB Sovereign Bonds \| -	1%	₹248 Cr	25,000,000
364 DTB 13032025 Sovereign Bonds \| -	1%	₹223 Cr	22,500,000
08.08 Ts SDL 2025 Sovereign Bonds \| -	1%	₹150 Cr	15,000,000
08.08 Up SDL 2025feb Sovereign Bonds \| -	1%	₹140 Cr	14,000,000

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 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.8% .

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (03 Mar 25)	₹4,594.2 ↑ 1.97 (0.04 %)
Net Assets (Cr)	₹27,184 on 31 Jan 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	3.33
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.46%
Effective Maturity	6 Months 13 Days
Modified Duration	6 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,594
28 Feb 22	₹11,022
28 Feb 23	₹11,595
29 Feb 24	₹12,480
28 Feb 25	₹13,428

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 3 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.6%
1 Year	7.6%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.3%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.3 Yr.

Data below for Tata Money Market Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	89.94%
Debt	9.82%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	72.58%
Corporate	19.73%
Government	7.45%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd. Debentures \| -	2%	₹659 Cr	13,500 ↓ -1,000
5.22% Govt Stock 2025 Sovereign Bonds \| -	2%	₹656 Cr	66,000,000
Cd - Union Bank Of India - 02/04/25 Debentures \| -	2%	₹640 Cr	13,000 ↓ -6,500
06.03 RJ Sdl 2025 Sovereign Bonds \| -	2%	₹640 Cr	64,000,000
182 DTB 01052025 Sovereign Bonds \| -	2%	₹540 Cr	55,000,000
182 DTB 12062025 Sovereign Bonds \| -	2%	₹511 Cr	52,500,000
91 DTB 23012025 Sovereign Bonds \| -	1%	₹300 Cr	30,000,000 ↑ 30,000,000
182 DTB 19062025 Sovereign Bonds \| -	1%	₹195 Cr	20,000,000
182 DTB 10042025 Sovereign Bonds \| -	0%	₹123 Cr	12,500,000 ↓ -18,500,000
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 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.9% .

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (03 Mar 25)	₹4,370.08 ↑ 1.93 (0.04 %)
Net Assets (Cr)	₹26,221 on 31 Jan 25
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	6 Months 29 Days
Modified Duration	6 Months 25 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,518
28 Feb 22	₹10,922
28 Feb 23	₹11,497
29 Feb 24	₹12,367
28 Feb 25	₹13,306

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 3 Mar 25

Duration	Returns
1 Month	0.6%
3 Month	1.8%
6 Month	3.6%
1 Year	7.6%
3 Year	6.8%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.4%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	18.26 Yr.
Manu Sharma	1 Nov 22	2.25 Yr.

Data below for Kotak Money Market Scheme as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	86.59%
Debt	13.15%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	54%
Corporate	34.42%
Government	11.33%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 01052025 Sovereign Bonds \| -	2%	₹515 Cr	52,500,000
182 DTB 18102024 Sovereign Bonds \| -	2%	₹496 Cr	50,000,000
182 DTB 15052025 Sovereign Bonds \| -	2%	₹489 Cr	50,000,000
364 DTB 04122025 Sovereign Bonds \| -	1%	₹378 Cr	40,000,000
5.22% Govt Stock 2025 Sovereign Bonds \| -	1%	₹348 Cr	35,000,000
ICICI Bank Ltd. Debentures \| -	1%	₹282 Cr	30,000
Axis Bank Ltd. Debentures \| -	1%	₹282 Cr	30,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	1%	₹250 Cr	25,000,000
08.29 MH Sdl 2025 Sovereign Bonds \| -	1%	₹210 Cr	20,788,100
08.23 GJ Sdl 2025 Sovereign Bonds \| -	1%	₹202 Cr	20,000,000

7. 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 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.4% .

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (03 Mar 25)	₹48.7951 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹2,548 on 31 Jan 25
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.27
Sharpe Ratio	3.19
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.56%
Effective Maturity	6 Months 4 Days
Modified Duration	5 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,548
28 Feb 22	₹10,938
28 Feb 23	₹11,470
29 Feb 24	₹12,333
28 Feb 25	₹13,265

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 3 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.6%
1 Year	7.6%
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	7.7%
2022	7.3%
2021	4.4%
2020	3.6%
2019	6%
2018	8.5%
2017	7.5%
2016	7.2%
2015	8.1%
2014	8.3%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	1.33 Yr.
Rohan Maru	10 Oct 24	0.31 Yr.
Chandni Gupta	30 Apr 24	0.76 Yr.

Data below for Franklin India Savings Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	86.75%
Debt	13.03%
Other	0.21%

Debt Sector Allocation

Sector	Value
Cash Equivalent	55.07%
Corporate	33.6%
Government	11.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 DTB 19062025 Sovereign Bonds \| -	7%	₹219 Cr	22,500,000
364 DTB 28082025 Sovereign Bonds \| -	2%	₹59 Cr	6,151,200 ↑ 6,151,200
Axis Bank Ltd. Debentures \| -	2%	₹56 Cr	1,200
5.22% Govt Stock 2025 Sovereign Bonds \| -	2%	₹50 Cr	5,000,000
Corporate Debt Market Development Fund Class A2 Investment Fund \| -	0%	₹6 Cr	5,772 ↑ 1,806
Canara Bank Certificate of Deposit \| -	4%	₹124 Cr	2,500
Indian Bank Certificate of Deposit \| -	3%	₹99 Cr	2,000
Bank Of Baroda Certificate of Deposit \| -	3%	₹98 Cr	2,000
Axis Bank Limited Certificate of Deposit \| -	3%	₹97 Cr	2,000
Call, Cash & Other Assets CBLO \| -	3%	₹96 Cr

8. 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 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.7% .

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (03 Mar 25)	₹5,561.96 ↑ 2.40 (0.04 %)
Net Assets (Cr)	₹27,366 on 31 Jan 25
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.41
Sharpe Ratio	2.95
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.47%
Effective Maturity	5 Months 1 Day
Modified Duration	4 Months 19 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,605
28 Feb 22	₹11,022
28 Feb 23	₹11,588
29 Feb 24	₹12,461
28 Feb 25	₹13,403

HDFC 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 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 3 Mar 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.6%
1 Year	7.6%
3 Year	6.7%
5 Year	6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	8.3%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	0.42 Yr.
Dhruv Muchhal	22 Jun 23	1.62 Yr.

Data below for HDFC Money Market Fund as on 31 Jan 25

Asset Allocation

Asset Class	Value
Cash	94.48%
Debt	5.26%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	67.69%
Corporate	28.23%
Government	3.83%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 13032025 Sovereign Bonds \| -	2%	₹545 Cr	55,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹378 Cr	8,000
5.22% Govt Stock 2025 Sovereign Bonds \| -	1%	₹298 Cr	30,000,000
182 DTB 27062025 Sovereign Bonds \| -	1%	₹291 Cr	30,000,000 ↑ 30,000,000
08.10 Up SDL 2025 Sovereign Bonds \| -	1%	₹240 Cr	24,000,000
08.09 AP Sdl 2025 Sovereign Bonds \| -	1%	₹215 Cr	21,500,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	1%	₹200 Cr	20,000,000
182 DTB 05062025 Sovereign Bonds \| -	1%	₹195 Cr	20,000,000 ↑ 20,000,000
08.06 AP Sdl 2025 Sovereign Bonds \| -	1%	₹150 Cr	15,000,000
182 DTB 27022025 Sovereign Bonds \| -	1%	₹149 Cr	15,000,000 ↑ 15,000,000

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