بہترین منی مارکیٹ میوچل فنڈز 2022

Updated on July 7, 2026 , 44115 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 (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Money Market Fund Growth	₹3,290.44 ↑ 1.86	₹18,611	0.8	1.6	3.2	6.2	7.5	7.58%	6M 20D	6M 20D
Tata Money Market Fund Growth	₹5,037.07 ↑ 2.63	₹33,030	0.8	1.6	3.2	6.2	7.4	7.79%	7M 1D	7M 1D
Aditya Birla Sun Life Money Manager Fund Growth	₹394.656 ↑ 0.19	₹27,550	0.8	1.6	3.2	6.2	7.4	7.94%	7M 28D	8M 1D
Bandhan Money Manager Fund Growth	₹42.9827 ↑ 0.03	₹14,977	0.7	1.6	3.2	6.1	7.3	7.75%	7M 21D	7M 21D
Franklin India Savings Fund Growth	₹53.4995 ↑ 0.03	₹4,443	0.7	1.6	3.2	6.1	7.4	7.76%	4M 28D	6M 25D
ICICI Prudential Money Market Fund Growth	₹404.699 ↑ 0.23	₹30,335	0.8	1.6	3.2	6.1	7.4	7.7%	6M 29D	7M 16D
HDFC Money Market Fund Growth	₹6,095.37 ↑ 3.53	₹28,705	0.7	1.6	3.2	6.1	7.4	7.71%	6M 15D	7M 2D
Nippon India Money Market Fund Growth	₹4,426.2 ↑ 2.35	₹21,263	0.8	1.6	3.2	6.1	7.4	7.7%	6M 13D	7M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Jul 26

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Money Market Fund	Tata Money Market Fund	Aditya Birla Sun Life Money Manager Fund	Bandhan Money Manager Fund	Franklin India Savings Fund	ICICI Prudential Money Market Fund	HDFC Money Market Fund	Nippon India Money Market Fund
Point 1	Lower mid AUM (₹18,611 Cr).	Highest AUM (₹33,030 Cr).	Upper mid AUM (₹27,550 Cr).	Bottom quartile AUM (₹14,977 Cr).	Bottom quartile AUM (₹4,443 Cr).	Top quartile AUM (₹30,335 Cr).	Upper mid AUM (₹28,705 Cr).	Lower mid AUM (₹21,263 Cr).
Point 2	Established history (17+ yrs).	Established history (23+ yrs).	Established history (20+ yrs).	Established history (23+ yrs).	Established history (24+ yrs).	Established history (20+ yrs).	Oldest track record among peers (26 yrs).	Established history (21+ yrs).
Point 3	Rating: 4★ (top quartile).	Rating: 3★ (upper mid).	Top rated.	Rating: 3★ (lower mid).	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: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 6.20% (top quartile).	1Y return: 6.17% (top quartile).	1Y return: 6.17% (upper mid).	1Y return: 6.15% (upper mid).	1Y return: 6.14% (lower mid).	1Y return: 6.13% (lower mid).	1Y return: 6.13% (bottom quartile).	1Y return: 6.13% (bottom quartile).
Point 6	1M return: 0.76% (top quartile).	1M return: 0.75% (lower mid).	1M return: 0.79% (top quartile).	1M return: 0.75% (bottom quartile).	1M return: 0.73% (bottom quartile).	1M return: 0.76% (upper mid).	1M return: 0.75% (lower mid).	1M return: 0.76% (upper mid).
Point 7	Sharpe: 0.35 (upper mid).	Sharpe: 0.48 (top quartile).	Sharpe: 0.19 (bottom quartile).	Sharpe: 0.39 (top quartile).	Sharpe: 0.24 (upper mid).	Sharpe: 0.19 (bottom quartile).	Sharpe: 0.21 (lower mid).	Sharpe: 0.20 (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): 7.58% (bottom quartile).	Yield to maturity (debt): 7.79% (top quartile).	Yield to maturity (debt): 7.94% (top quartile).	Yield to maturity (debt): 7.75% (upper mid).	Yield to maturity (debt): 7.76% (upper mid).	Yield to maturity (debt): 7.70% (lower mid).	Yield to maturity (debt): 7.71% (lower mid).	Yield to maturity (debt): 7.70% (bottom quartile).
Point 10	Modified duration: 0.56 yrs (upper mid).	Modified duration: 0.59 yrs (lower mid).	Modified duration: 0.66 yrs (bottom quartile).	Modified duration: 0.64 yrs (bottom quartile).	Modified duration: 0.41 yrs (top quartile).	Modified duration: 0.58 yrs (lower mid).	Modified duration: 0.54 yrs (upper mid).	Modified duration: 0.54 yrs (top quartile).

UTI Money Market Fund

Lower mid AUM (₹18,611 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.20% (top quartile).
1M return: 0.76% (top quartile).
Sharpe: 0.35 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.58% (bottom quartile).
Modified duration: 0.56 yrs (upper mid).

Tata Money Market Fund

Highest AUM (₹33,030 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.17% (top quartile).
1M return: 0.75% (lower mid).
Sharpe: 0.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 0.59 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹27,550 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.17% (upper mid).
1M return: 0.79% (top quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.94% (top quartile).
Modified duration: 0.66 yrs (bottom quartile).

Bandhan Money Manager Fund

Bottom quartile AUM (₹14,977 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.15% (upper mid).
1M return: 0.75% (bottom quartile).
Sharpe: 0.39 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.75% (upper mid).
Modified duration: 0.64 yrs (bottom quartile).

Franklin India Savings Fund

Bottom quartile AUM (₹4,443 Cr).
Established history (24+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.14% (lower mid).
1M return: 0.73% (bottom quartile).
Sharpe: 0.24 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (upper mid).
Modified duration: 0.41 yrs (top quartile).

ICICI Prudential Money Market Fund

Top quartile AUM (₹30,335 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.13% (lower mid).
1M return: 0.76% (upper mid).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.70% (lower mid).
Modified duration: 0.58 yrs (lower mid).

HDFC Money Market Fund

Upper mid AUM (₹28,705 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.13% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.71% (lower mid).
Modified duration: 0.54 yrs (upper mid).

Nippon India Money Market Fund

Lower mid AUM (₹21,263 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.13% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: 0.20 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.70% (bottom quartile).
Modified duration: 0.54 yrs (top quartile).

1. 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.

Research Highlights for UTI Money Market Fund

Lower mid AUM (₹18,611 Cr).
Established history (17+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 6.20% (top quartile).
1M return: 0.76% (top quartile).
Sharpe: 0.35 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.58% (bottom quartile).
Modified duration: 0.56 yrs (upper mid).
Average maturity: 0.56 yrs (top quartile).
Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (09 Jul 26)	₹3,290.44 ↑ 1.86 (0.06 %)
Net Assets (Cr)	₹18,611 on 31 May 26
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	0.35
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.58%
Effective Maturity	6 Months 20 Days
Modified Duration	6 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,381
30 Jun 23	₹11,091
30 Jun 24	₹11,922
30 Jun 25	₹12,901
30 Jun 26	₹13,717

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 9 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	3.2%
1 Year	6.2%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.5%
2024	7.7%
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4.58 Yr.
Amit Sharma	7 Jul 17	8.99 Yr.

Data below for UTI Money Market Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	86.17%
Debt	13.52%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	46.48%
Cash Equivalent	35.25%
Government	17.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹654 Cr	6,629,850,000
Indusind Bank Ltd. Debentures \| -	2%	₹338 Cr	3,500,000,000 ↑ 3,500,000,000
Tbill Sovereign Bonds \| -	2%	₹297 Cr	3,000,000,000
Tbill Sovereign Bonds \| -	2%	₹296 Cr	3,000,000,000
5.74% Govt Stock 2026 Sovereign Bonds \| -	2%	₹280 Cr	2,800,000,000
Tbill Sovereign Bonds \| -	1%	₹248 Cr	2,500,000,000
Tbill Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000
Indian Bank Domestic Bonds \| -	1%	₹195 Cr	2,000,000,000
Axis Bank Ltd. Debentures \| -	1%	₹191 Cr	2,000,000,000 ↑ 2,000,000,000
Indian Overseas Bank Debentures \| -	1%	₹190 Cr	2,000,000,000

2. 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.

Research Highlights for Tata Money Market Fund

Highest AUM (₹33,030 Cr).
Established history (23+ yrs).
Rating: 3★ (upper mid).
Risk profile: Low.
1Y return: 6.17% (top quartile).
1M return: 0.75% (lower mid).
Sharpe: 0.48 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.79% (top quartile).
Modified duration: 0.59 yrs (lower mid).
Average maturity: 0.59 yrs (upper mid).
Exit load: NIL.

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (09 Jul 26)	₹5,037.07 ↑ 2.63 (0.05 %)
Net Assets (Cr)	₹33,030 on 31 May 26
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	0.48
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.79%
Effective Maturity	7 Months 1 Day
Modified Duration	7 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,373
30 Jun 23	₹11,077
30 Jun 24	₹11,911
30 Jun 25	₹12,877
30 Jun 26	₹13,686

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 9 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	3.2%
1 Year	6.2%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.4%
2022	4.8%
2021	3.9%
2020	6.4%
2019	8.1%
2018	-0.1%
2017	6.7%
2016	7.6%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	12.71 Yr.
Harsh Dave	1 Jun 26	0.08 Yr.

Data below for Tata Money Market Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	87.56%
Debt	12.11%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	46.25%
Cash Equivalent	37.93%
Government	15.5%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	3%	₹1,000 Cr	100,000,000 ↑ 100,000,000
Indian Bank Domestic Bonds \| -	3%	₹958 Cr	19,500
Indian Overseas Bank Debentures \| -	2%	₹666 Cr	14,000
Equitas Small Finance Bank Ltd. Debentures \| -	2%	₹567 Cr	12,000
India (Republic of) - \| -	2%	₹527 Cr	53,000,000
7.86% Karnataka Sdl 2027 Sovereign Bonds \| -	2%	₹491 Cr	48,500,000 ↑ 48,500,000
Karur Vysya Bank Ltd. Debentures \| -	2%	₹491 Cr	10,000
Tbill Sovereign Bonds \| -	1%	₹445 Cr	45,000,000
India (Republic of) - \| -	1%	₹400 Cr	40,500,000
India (Republic of) - \| -	1%	₹302 Cr	30,500,000 ↓ -25,000,000

3. 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.

Research Highlights for Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹27,550 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.17% (upper mid).
1M return: 0.79% (top quartile).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.94% (top quartile).
Modified duration: 0.66 yrs (bottom quartile).
Average maturity: 0.67 yrs (bottom quartile).
Exit load: NIL.

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 (09 Jul 26)	₹394.656 ↑ 0.19 (0.05 %)
Net Assets (Cr)	₹27,550 on 31 May 26
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.94%
Effective Maturity	8 Months 1 Day
Modified Duration	7 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,373
30 Jun 23	₹11,087
30 Jun 24	₹11,925
30 Jun 25	₹12,891
30 Jun 26	₹13,700

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 9 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	3.2%
1 Year	6.2%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	14.97 Yr.
Anuj Jain	22 Mar 21	5.28 Yr.
Mohit Sharma	1 Apr 17	9.25 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	69.19%
Debt	30.52%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	51.26%
Cash Equivalent	33.61%
Government	14.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	5%	₹1,383 Cr	29,000
Axis Bank Ltd. Debentures \| -	3%	₹917 Cr	19,000
Federal Bank Ltd. Debentures \| -	3%	₹905 Cr	19,000
Gujarat State Development Loans Sovereign Bonds \| -	3%	₹797 Cr	79,327,600
Karur Vysya Bank Ltd. Debentures \| -	2%	₹475 Cr	10,000
Tbill Sovereign Bonds \| -	1%	₹394 Cr	40,000,000
7.49% Gujarat Sgs 2026 Sovereign Bonds \| -	1%	₹327 Cr	32,500,000
7.43% Gujarat Sgs 2027 Sovereign Bonds \| -	1%	₹247 Cr	24,500,000
Tbill Sovereign Bonds \| -	1%	₹245 Cr	25,000,000
Karur Vysya Bank Ltd. Debentures \| -	1%	₹242 Cr	5,000

4. Bandhan Money Manager Fund

(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

Bottom quartile AUM (₹14,977 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.15% (upper mid).
1M return: 0.75% (bottom quartile).
Sharpe: 0.39 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.75% (upper mid).
Modified duration: 0.64 yrs (bottom quartile).
Average maturity: 0.64 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for Bandhan Money Manager Fund

Bandhan Money Manager Fund Growth
Launch Date	18 Feb 03
NAV (09 Jul 26)	₹42.9827 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹14,977 on 31 May 26
Category	Debt - Money Market
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.58
Sharpe Ratio	0.39
Information Ratio	0
Alpha Ratio	0
Min Investment	100
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.75%
Effective Maturity	7 Months 21 Days
Modified Duration	7 Months 21 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,296
30 Jun 23	₹10,917
30 Jun 24	₹11,653
30 Jun 25	₹12,576
30 Jun 26	₹13,365

Bandhan Money Manager 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 Bandhan 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 9 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	7%
5 Year	6%
10 Year
15 Year
Since launch	6.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.3%
2024	7.2%
2023	6.7%
2022	4%
2021	2.9%
2020	5%
2019	6.7%
2018	6.2%
2017	6%
2016	8.1%

Fund Manager information for Bandhan Money Manager Fund

Name	Since	Tenure
Gautam Kaul	1 Dec 21	4.58 Yr.
Brijesh Shah	12 Jul 21	4.97 Yr.

Data below for Bandhan Money Manager Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	92.62%
Debt	7.14%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	48.39%
Cash Equivalent	36.25%
Government	15.12%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	7%	₹990 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	2%	₹331 Cr	35,000,000
Tbill Sovereign Bonds \| -	2%	₹248 Cr	25,000,000
ICICI Bank Ltd. Debentures \| -	1%	₹189 Cr	20,000,000
7.08% Karnataka Sdl 2026 Sovereign Bonds \| -	1%	₹106 Cr	10,500,000
Tbill Sovereign Bonds \| -	1%	₹99 Cr	10,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹95 Cr	10,000,000
Tbill Sovereign Bonds \| -	1%	₹79 Cr	8,000,000 ↓ -2,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	0%	₹71 Cr	7,500,000
7.39% Tamilnadu SDL 2026 Sovereign Bonds \| -	0%	₹60 Cr	5,928,300

5. 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.

Research Highlights for Franklin India Savings Fund

Bottom quartile AUM (₹4,443 Cr).
Established history (24+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 6.14% (lower mid).
1M return: 0.73% (bottom quartile).
Sharpe: 0.24 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.76% (upper mid).
Modified duration: 0.41 yrs (top quartile).
Average maturity: 0.57 yrs (top quartile).
Exit load: NIL.

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (09 Jul 26)	₹53.4995 ↑ 0.03 (0.06 %)
Net Assets (Cr)	₹4,443 on 31 May 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.76%
Effective Maturity	6 Months 25 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,345
30 Jun 23	₹11,025
30 Jun 24	₹11,836
30 Jun 25	₹12,805
30 Jun 26	₹13,606

Franklin India Savings 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 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 9 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	7.2%
5 Year	6.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.3%
2022	4.4%
2021	3.6%
2020	6%
2019	8.5%
2018	7.5%
2017	7.2%
2016	8.1%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.73 Yr.
Rohan Maru	10 Oct 24	1.72 Yr.
Chandni Gupta	30 Apr 24	2.17 Yr.

Data below for Franklin India Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	97.16%
Debt	2.57%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	45.27%
Corporate	37.49%
Government	16.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd. Debentures \| -	2%	₹96 Cr	2,000
India (Republic of) - \| -	1%	₹50 Cr	5,000,000
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹11 Cr	8,992
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Call, Cash & Other Assets CBLO \| -	13%	₹510 Cr
Bajaj Housing Finance Ltd. Commercial Paper \| -	7%	₹285 Cr	6,000
Piramal Finance Limited Commercial Paper \| -	7%	₹257 Cr	5,300
HDFC Bank Ltd Certificate of Deposit \| -	6%	₹238 Cr	5,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	6%	₹220 Cr	4,600
Canara Bank Certificate of Deposit \| -	5%	₹190 Cr	4,000

6. 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.

Research Highlights for ICICI Prudential Money Market Fund

Top quartile AUM (₹30,335 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 6.13% (lower mid).
1M return: 0.76% (upper mid).
Sharpe: 0.19 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.70% (lower mid).
Modified duration: 0.58 yrs (lower mid).
Average maturity: 0.63 yrs (lower mid).
Exit load: NIL.

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (09 Jul 26)	₹404.699 ↑ 0.23 (0.06 %)
Net Assets (Cr)	₹30,335 on 31 May 26
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.7%
Effective Maturity	7 Months 16 Days
Modified Duration	6 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,362
30 Jun 23	₹11,066
30 Jun 24	₹11,890
30 Jun 25	₹12,863
30 Jun 26	₹13,668

ICICI Prudential 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 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 9 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.4%
2022	4.7%
2021	3.7%
2020	6.2%
2019	7.9%
2018	7.7%
2017	6.7%
2016	7.7%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	3.05 Yr.
Nikhil Kabra	3 Aug 16	9.91 Yr.

Data below for ICICI Prudential Money Market Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	90.19%
Debt	9.52%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	49.81%
Cash Equivalent	32.08%
Government	17.81%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.33% Govt Stock 2026 Sovereign Bonds \| -	6%	₹1,812 Cr	180,000,000
6.97% Govt Stock 2026 Sovereign Bonds \| -	3%	₹1,059 Cr	105,500,000
Bank of India Ltd. Debentures \| -	2%	₹476 Cr	10,000
7.86% Westbengal Sdl 2026 Sovereign Bonds \| -	1%	₹291 Cr	29,000,000
Tbill Sovereign Bonds \| -	1%	₹272 Cr	27,500,000
Tbill Sovereign Bonds \| -	1%	₹199 Cr	20,000,000
India (Republic of) - \| -	1%	₹197 Cr	20,000,000
7.39% Tamilnadu SDL 2026 Sovereign Bonds \| -	1%	₹171 Cr	17,000,000
Corporate Debt Market Development Fund (Class A2) - \| -	0%	₹92 Cr	77,551
7.07% Tamilnadu SDL 2026 Sovereign Bonds \| -	0%	₹75 Cr	7,500,000

7. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

Research Highlights for HDFC Money Market Fund

Upper mid AUM (₹28,705 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.13% (bottom quartile).
1M return: 0.75% (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.71% (lower mid).
Modified duration: 0.54 yrs (upper mid).
Average maturity: 0.59 yrs (upper mid).
Exit load: NIL.

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (09 Jul 26)	₹6,095.37 ↑ 3.53 (0.06 %)
Net Assets (Cr)	₹28,705 on 31 May 26
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	0.21
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.71%
Effective Maturity	7 Months 2 Days
Modified Duration	6 Months 15 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,368
30 Jun 23	₹11,064
30 Jun 24	₹11,882
30 Jun 25	₹12,846
30 Jun 26	₹13,649

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 9 Jul 26

Duration	Returns
1 Month	0.7%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	7.2%
5 Year	6.4%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.7%
2023	7.3%
2022	4.7%
2021	3.8%
2020	6.5%
2019	8.1%
2018	7.4%
2017	6.5%
2016	7.5%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	31 Aug 24	1.83 Yr.
Dhruv Muchhal	22 Jun 23	3.03 Yr.

Data below for HDFC Money Market Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	87.89%
Debt	11.79%
Other	0.32%

Debt Sector Allocation

Sector	Value
Corporate	47.41%
Cash Equivalent	42.07%
Government	10.2%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indian Overseas Bank Debentures \| -	3%	₹952 Cr	20,000
Punjab & Sind Bank Debentures \| -	2%	₹618 Cr	13,000
Tbill Sovereign Bonds \| -	2%	₹496 Cr	50,000,000
Tbill Sovereign Bonds \| -	2%	₹445 Cr	45,000,000
Bank of India Ltd. Debentures \| -	1%	₹429 Cr	9,000
Tbill Sovereign Bonds \| -	1%	₹427 Cr	43,000,000
Tbill Sovereign Bonds \| -	1%	₹380 Cr	38,500,000
06/08/2026 Maturing 182 DTB Sovereign Bonds \| -	1%	₹298 Cr	30,000,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹285 Cr	6,000
AU Small Finance Bank Ltd. Debentures \| -	1%	₹236 Cr	5,000

8. 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.

Research Highlights for Nippon India Money Market Fund

Lower mid AUM (₹21,263 Cr).
Established history (21+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.13% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: 0.20 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.70% (bottom quartile).
Modified duration: 0.54 yrs (top quartile).
Average maturity: 0.61 yrs (lower mid).
Exit load: NIL.

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (09 Jul 26)	₹4,426.2 ↑ 2.35 (0.05 %)
Net Assets (Cr)	₹21,263 on 31 May 26
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	0.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.7%
Effective Maturity	7 Months 9 Days
Modified Duration	6 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,386
30 Jun 23	₹11,096
30 Jun 24	₹11,927
30 Jun 25	₹12,902
30 Jun 26	₹13,710

Nippon India 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 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 9 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.6%
6 Month	3.2%
1 Year	6.1%
3 Year	7.3%
5 Year	6.5%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
2024	7.8%
2023	7.4%
2022	5%
2021	3.8%
2020	6%
2019	8.1%
2018	7.9%
2017	6.6%
2016	7.6%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	7.96 Yr.
Vikash Agarwal	14 Sep 24	1.79 Yr.
Amber Singhania	11 Mar 26	0.31 Yr.

Data below for Nippon India Money Market Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	84.81%
Debt	14.92%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	50.74%
Cash Equivalent	32.85%
Government	16.14%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Tbill Sovereign Bonds \| -	2%	₹495 Cr	50,000,000
UCO Bank Domestic Bonds \| -	2%	₹475 Cr	10,000
Tbill Sovereign Bonds \| -	2%	₹445 Cr	45,000,000
India (Republic of) - \| -	2%	₹347 Cr	35,000,000 ↓ -40,000,000
Tbill Sovereign Bonds \| -	1%	₹257 Cr	26,000,000
Axis Bank Ltd. Debentures \| -	1%	₹242 Cr	5,000 ↑ 5,000
Punjab & Sind Bank Debentures \| -	1%	₹237 Cr	5,000
Bank of Baroda Debentures \| -	1%	₹218 Cr	4,500 ↑ 4,500
India (Republic of) - \| -	1%	₹197 Cr	20,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹193 Cr	4,000 ↑ 4,000

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