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 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 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 (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 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. Research Highlights for Franklin India Savings Fund Below is the key information for Franklin India Savings 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 (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 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 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 ₹3,328.85
↑ 0.96 ₹18,782 0.7 2.2 3.5 6.5 7.5 6.87% 6M 19D 6M 19D Aditya Birla Sun Life Money Manager Fund Growth ₹399.349
↑ 0.12 ₹30,160 0.7 2.3 3.6 6.5 7.4 6.95% 6M 25D 6M 29D Tata Money Market Fund Growth ₹5,095.16
↑ 1.57 ₹34,138 0.7 2.2 3.5 6.5 7.4 6.81% 6M 5D 6M 5D Kotak Money Market Scheme Growth ₹4,844.26
↑ 1.28 ₹30,297 0.7 2.2 3.5 6.5 7.4 6.87% 6M 18D 6M 18D Franklin India Savings Fund Growth ₹54.119
↑ 0.01 ₹4,205 0.7 2.2 3.5 6.5 7.4 6.94% 5M 16D 7M 10D Bandhan Money Manager Fund Growth ₹43.4709
↑ 0.01 ₹13,783 0.7 2.2 3.5 6.5 7.3 6.75% 6M 26D 6M 26D Nippon India Money Market Fund Growth ₹4,477.5
↑ 1.18 ₹23,227 0.7 2.2 3.5 6.4 7.4 6.89% 6M 12D 6M 26D ICICI Prudential Money Market Fund Growth ₹409.357
↑ 0.12 ₹34,627 0.7 2.2 3.4 6.4 7.4 6.82% 6M 15D 6M 29D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 26 Research Highlights & Commentary of 8 Funds showcased
Commentary UTI Money Market Fund Aditya Birla Sun Life Money Manager Fund Tata Money Market Fund Kotak Money Market Scheme Franklin India Savings Fund Bandhan Money Manager Fund Nippon India Money Market Fund ICICI Prudential Money Market Fund Point 1 Lower mid AUM (₹18,782 Cr). Upper mid AUM (₹30,160 Cr). Top quartile AUM (₹34,138 Cr). Upper mid AUM (₹30,297 Cr). Bottom quartile AUM (₹4,205 Cr). Bottom quartile AUM (₹13,783 Cr). Lower mid AUM (₹23,227 Cr). Highest AUM (₹34,627 Cr). Point 2 Established history (17+ yrs). Established history (20+ yrs). Established history (23+ yrs). Established history (23+ yrs). Oldest track record among peers (24 yrs). Established history (23+ yrs). Established history (21+ yrs). Established history (20+ yrs). Point 3 Rating: 4★ (top quartile). Top rated. Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.52% (top quartile). 1Y return: 6.50% (top quartile). 1Y return: 6.48% (upper mid). 1Y return: 6.46% (upper mid). 1Y return: 6.46% (lower mid). 1Y return: 6.45% (lower mid). 1Y return: 6.44% (bottom quartile). 1Y return: 6.44% (bottom quartile). Point 6 1M return: 0.68% (top quartile). 1M return: 0.70% (top quartile). 1M return: 0.68% (upper mid). 1M return: 0.66% (bottom quartile). 1M return: 0.67% (lower mid). 1M return: 0.66% (bottom quartile). 1M return: 0.68% (upper mid). 1M return: 0.67% (lower mid). Point 7 Sharpe: 0.73 (top quartile). Sharpe: 0.63 (bottom quartile). Sharpe: 0.74 (top quartile). Sharpe: 0.68 (lower mid). Sharpe: 0.69 (upper mid). Sharpe: 0.71 (upper mid). Sharpe: 0.62 (bottom quartile). Sharpe: 0.64 (lower mid). 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): 6.87% (upper mid). Yield to maturity (debt): 6.95% (top quartile). Yield to maturity (debt): 6.81% (bottom quartile). Yield to maturity (debt): 6.87% (lower mid). Yield to maturity (debt): 6.94% (top quartile). Yield to maturity (debt): 6.75% (bottom quartile). Yield to maturity (debt): 6.89% (upper mid). Yield to maturity (debt): 6.82% (lower mid). Point 10 Modified duration: 0.55 yrs (lower mid). Modified duration: 0.57 yrs (bottom quartile). Modified duration: 0.51 yrs (top quartile). Modified duration: 0.55 yrs (lower mid). Modified duration: 0.46 yrs (top quartile). Modified duration: 0.57 yrs (bottom quartile). Modified duration: 0.53 yrs (upper mid). Modified duration: 0.54 yrs (upper mid). UTI Money Market Fund
Aditya Birla Sun Life Money Manager Fund
Tata Money Market Fund
Kotak Money Market Scheme
Franklin India Savings Fund
Bandhan Money Manager Fund
Nippon India Money Market Fund
ICICI Prudential Money Market Fund
1. UTI Money Market Fund
UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (04 Sep 26) ₹3,328.85 ↑ 0.96 (0.03 %) Net Assets (Cr) ₹18,782 on 31 Jul 26 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 0.73 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 6 Months 19 Days Modified Duration 6 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,400 31 Aug 23 ₹11,144 31 Aug 24 ₹11,986 31 Aug 25 ₹12,939 31 Aug 26 ₹13,770 Returns for UTI Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.5% 3 Year 7.4% 5 Year 6.6% 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 4.75 Yr. Amit Sharma 7 Jul 17 9.16 Yr. Data below for UTI Money Market Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 88.64% Debt 11.07% Other 0.3% Debt Sector Allocation
Sector Value Corporate 46.15% Cash Equivalent 34% Government 19.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹660 Cr 6,629,850,000 India (Republic of)
- | -2% ₹390 Cr 4,000,000,000
↑ 4,000,000,000 Tbill
Sovereign Bonds | -2% ₹300 Cr 3,000,000,000 Tbill
Sovereign Bonds | -2% ₹299 Cr 3,000,000,000 5.74% Govt Stock 2026
Sovereign Bonds | -1% ₹280 Cr 2,800,000,000 UCO Bank
Domestic Bonds | -1% ₹236 Cr 2,500,000,000 Tbill
Sovereign Bonds | -1% ₹200 Cr 2,000,000,000 Indian Overseas Bank
Debentures | -1% ₹193 Cr 2,000,000,000 Axis Bank Ltd.
Debentures | -1% ₹193 Cr 2,000,000,000 Small Industries Development Bank of India
Debentures | -1% ₹187 Cr 2,000,000,000
↑ 2,000,000,000 2. Aditya Birla Sun Life Money Manager Fund
Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (04 Sep 26) ₹399.349 ↑ 0.12 (0.03 %) Net Assets (Cr) ₹30,160 on 31 Jul 26 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.35 Sharpe Ratio 0.63 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.95% Effective Maturity 6 Months 29 Days Modified Duration 6 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,396 31 Aug 23 ₹11,138 31 Aug 24 ₹11,984 31 Aug 25 ₹12,927 31 Aug 26 ₹13,755 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 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.3% 6 Month 3.6% 1 Year 6.5% 3 Year 7.3% 5 Year 6.6% 10 Year 15 Year Since launch 6.9% 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 15.06 Yr. Anuj Jain 22 Mar 21 5.36 Yr. Mohit Sharma 1 Apr 17 9.34 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 68.9% Debt 31.1% Debt Sector Allocation
Sector Value Corporate 55.57% Cash Equivalent 31.95% Government 12.48% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -5% ₹1,406 Cr 29,000 The Jammu And Kashmir Bank Limited
Debentures | -3% ₹963 Cr 20,000 Axis Bank Ltd.
Debentures | -3% ₹929 Cr 19,000 Federal Bank Ltd.
Debentures | -3% ₹918 Cr 19,000 Gujarat State Development Loans
Sovereign Bonds | -3% ₹797 Cr 79,327,600 India (Republic of)
- | -2% ₹495 Cr 50,000,000 Karur Vysya Bank Ltd.
Debentures | -2% ₹482 Cr 10,000 The Jammu And Kashmir Bank Limited
Debentures | -2% ₹481 Cr 10,000 Tbill
Sovereign Bonds | -1% ₹397 Cr 40,000,000 India (Republic of)
- | -1% ₹272 Cr 27,500,000
↑ 27,500,000 3. Tata Money Market Fund
Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (04 Sep 26) ₹5,095.16 ↑ 1.57 (0.03 %) Net Assets (Cr) ₹34,138 on 31 Jul 26 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0.44 Sharpe Ratio 0.74 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.81% Effective Maturity 6 Months 5 Days Modified Duration 6 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,390 31 Aug 23 ₹11,124 31 Aug 24 ₹11,967 31 Aug 25 ₹12,909 31 Aug 26 ₹13,733 Returns for Tata Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.5% 3 Year 7.3% 5 Year 6.6% 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 12.88 Yr. Harsh Dave 1 Jun 26 0.25 Yr. Data below for Tata Money Market Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 81.43% Debt 18.27% Other 0.3% Debt Sector Allocation
Sector Value Corporate 47.62% Cash Equivalent 32% Government 20.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹1,417 Cr 142,500,000 India (Republic of)
- | -2% ₹829 Cr 85,000,000 IDFC First Bank Ltd.
Debentures | -2% ₹729 Cr 15,000 Axis Bank Ltd.
Debentures | -2% ₹724 Cr 15,000 The Jammu And Kashmir Bank Limited
Debentures | -2% ₹722 Cr 15,000 Indian Overseas Bank
Debentures | -2% ₹675 Cr 14,000 Equitas Small Finance Bank Ltd.
Debentures | -2% ₹576 Cr 12,000 7.86% Karnataka Sdl 2027
Sovereign Bonds | -1% ₹491 Cr 48,500,000 India (Republic of)
- | -1% ₹403 Cr 40,500,000 India (Republic of)
- | -1% ₹320 Cr 32,000,000
↑ 12,000,000 4. Kotak Money Market Scheme
Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (04 Sep 26) ₹4,844.26 ↑ 1.28 (0.03 %) Net Assets (Cr) ₹30,297 on 31 Jul 26 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.36 Sharpe Ratio 0.68 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 6 Months 18 Days Modified Duration 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,402 31 Aug 23 ₹11,129 31 Aug 24 ₹11,967 31 Aug 25 ₹12,906 31 Aug 26 ₹13,730 Returns for Kotak Money Market Scheme
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.5% 3 Year 7.3% 5 Year 6.6% 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 7 Aug 26 0.07 Yr. Manu Sharma 7 Aug 26 0.07 Yr. Data below for Kotak Money Market Scheme as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 80.95% Debt 18.74% Other 0.31% Debt Sector Allocation
Sector Value Corporate 45.31% Cash Equivalent 27.94% Government 26.44% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -4% ₹1,218 Cr 125,000,000
↑ 125,000,000 India (Republic of)
- | -4% ₹1,194 Cr 120,000,000
↓ -15,000,000 India (Republic of)
- | -3% ₹852 Cr 87,484,400
↑ 87,484,400 Indusind Bank Ltd.
Debentures | -2% ₹727 Cr 75,000 India (Republic of)
- | -2% ₹488 Cr 50,000,000 Punjab National Bank
Debentures | -2% ₹485 Cr 50,000 Federal Bank Ltd.
Debentures | -1% ₹364 Cr 37,500 India (Republic of)
- | -1% ₹337 Cr 34,500,000 Karur Vysya Bank Ltd.
Debentures | -1% ₹241 Cr 25,000 Union Bank of India
Debentures | -1% ₹236 Cr 25,000 5. Franklin India Savings Fund
Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (04 Sep 26) ₹54.119 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹4,205 on 31 Jul 26 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.3 Sharpe Ratio 0.69 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 7 Months 10 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,361 31 Aug 23 ₹11,073 31 Aug 24 ₹11,898 31 Aug 25 ₹12,840 31 Aug 26 ₹13,658 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.5% 3 Year 7.3% 5 Year 6.5% 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 4.4% 2020 3.6% 2019 6% 2018 8.5% 2017 7.5% 2016 7.2% 2015 8.1% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.9 Yr. Rohan Maru 10 Oct 24 1.89 Yr. Chandni Gupta 30 Apr 24 2.34 Yr. Data below for Franklin India Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 87.65% Debt 12.09% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 40.1% Corporate 36.28% Government 23.36% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.67% Uttarpradesh Sdl 2027
Sovereign Bonds | -9% ₹389 Cr 37,500,000 Union Bank of India
Debentures | -2% ₹99 Cr 2,000 Axis Bank Ltd.
Debentures | -2% ₹98 Cr 2,000 Corporate Debt Market Development Fund Class A2
- | -0% ₹11 Cr 9,359 7.78% Telangana Sdl 2027
Sovereign Bonds | -0% ₹10 Cr 1,000,000 7.88% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 6.88% Westbengal Sdl 2026
Sovereign Bonds | -0% ₹5 Cr 500,000 7.14% Punjab SDL 2027
Sovereign Bonds | -0% ₹5 Cr 500,000 Tbill
Sovereign Bonds | -0% ₹5 Cr 500,000 Bajaj Housing Finance Limited
Commercial Paper | -7% ₹290 Cr 6,000 6. Bandhan Money Manager Fund
Bandhan Money Manager Fund
Growth Launch Date 18 Feb 03 NAV (04 Sep 26) ₹43.4709 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹13,783 on 15 Jul 26 Category Debt - Money Market AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.58 Sharpe Ratio 0.71 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.75% Effective Maturity 6 Months 26 Days Modified Duration 6 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,318 31 Aug 23 ₹10,972 31 Aug 24 ₹11,720 31 Aug 25 ₹12,632 31 Aug 26 ₹13,431 Returns for Bandhan Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.5% 3 Year 7% 5 Year 6.1% 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 4.75 Yr. Brijesh Shah 12 Jul 21 5.14 Yr. Data below for Bandhan Money Manager Fund as on 15 Jul 26
Asset Allocation
Asset Class Value Cash 71.96% Debt 27.78% Other 0.26% Debt Sector Allocation
Sector Value Corporate 50.13% Cash Equivalent 25.9% Government 23.71% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -6% ₹884 Cr 90,000,000
↑ 90,000,000 HDFC Bank Ltd.
Debentures | -3% ₹484 Cr 50,000,000
↑ 40,000,000 Tbill
Sovereign Bonds | -3% ₹433 Cr 44,000,000
↑ 39,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹337 Cr 35,000,000 Canara Bank
Domestic Bonds | -2% ₹307 Cr 32,500,000 ICICI Bank Ltd.
Debentures | -1% ₹192 Cr 20,000,000 Axis Bank Ltd.
Debentures | -1% ₹145 Cr 15,000,000 Indian Bank
Domestic Bonds | -1% ₹142 Cr 15,000,000 India (Republic of)
- | -1% ₹122 Cr 12,500,000 5.74% Govt Stock 2026
Sovereign Bonds | -1% ₹119 Cr 11,901,500
↓ -55,000,000 7. Nippon India Money Market Fund
Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (04 Sep 26) ₹4,477.5 ↑ 1.18 (0.03 %) Net Assets (Cr) ₹23,227 on 31 Jul 26 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.39 Sharpe Ratio 0.62 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 6 Months 26 Days Modified Duration 6 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,410 31 Aug 23 ₹11,147 31 Aug 24 ₹11,992 31 Aug 25 ₹12,940 31 Aug 26 ₹13,761 Returns for Nippon India Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.5% 1 Year 6.4% 3 Year 7.3% 5 Year 6.6% 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 8.13 Yr. Vikash Agarwal 14 Sep 24 1.96 Yr. Amber Singhania 11 Mar 26 0.47 Yr. Data below for Nippon India Money Market Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 77.27% Debt 22.47% Other 0.26% Debt Sector Allocation
Sector Value Corporate 46.97% Cash Equivalent 34.22% Government 18.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity UCO Bank
Domestic Bonds | -2% ₹483 Cr 10,000 Tbill
Sovereign Bonds | -2% ₹424 Cr 42,500,000 India (Republic of)
- | -2% ₹390 Cr 40,000,000
↑ 40,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹385 Cr 8,000
↑ 7,000 UCO Bank
Domestic Bonds | -1% ₹331 Cr 7,000 India (Republic of)
- | -1% ₹294 Cr 30,000,000 Small Industries Development Bank of India
Debentures | -1% ₹280 Cr 6,000
↑ 6,000 Bank of Baroda
Debentures | -1% ₹260 Cr 5,500
↑ 1,500 Tbill
Sovereign Bonds | -1% ₹259 Cr 26,000,000 04/02/2027 Maturing 364 DTB
Sovereign Bonds | -1% ₹244 Cr 25,000,000
↑ 25,000,000 8. ICICI Prudential Money Market Fund
ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (04 Sep 26) ₹409.357 ↑ 0.12 (0.03 %) Net Assets (Cr) ₹34,627 on 31 Jul 26 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 0.64 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.82% Effective Maturity 6 Months 29 Days Modified Duration 6 Months 15 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,383 31 Aug 23 ₹11,119 31 Aug 24 ₹11,957 31 Aug 25 ₹12,902 31 Aug 26 ₹13,722 Returns for ICICI Prudential Money Market Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 26 Duration Returns 1 Month 0.7% 3 Month 2.2% 6 Month 3.4% 1 Year 6.4% 3 Year 7.3% 5 Year 6.6% 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 3.22 Yr. Nikhil Kabra 3 Aug 16 10.08 Yr. Data below for ICICI Prudential Money Market Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 86.79% Debt 12.96% Other 0.25% Debt Sector Allocation
Sector Value Corporate 50.46% Cash Equivalent 27.33% Government 21.97% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹1,228 Cr 125,000,000 India (Republic of)
- | -2% ₹876 Cr 88,500,000
↓ -20,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹481 Cr 10,000
↑ 7,000 Bank of India Ltd.
Debentures | -1% ₹435 Cr 9,000 India (Republic of)
- | -1% ₹424 Cr 43,493,100 India (Republic of)
- | -1% ₹411 Cr 42,000,000
↓ -7,500,000 India (Republic of)
- | -1% ₹392 Cr 40,000,000 India (Republic of)
- | -1% ₹335 Cr 34,000,000
↑ 10,000,000 Small Industries Development Bank of India
Debentures | -1% ₹257 Cr 5,500
↑ 5,500 India (Republic of)
- | -1% ₹247 Cr 25,000,000
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Research Highlights for UTI Money Market Fund