بہترین منی مارکیٹ میوچل فنڈز 2022

Updated on December 23, 2025 , 43657 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 (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
UTI Money Market Fund Growth	₹3,182.86 ↑ 0.94	₹22,198	0.5	1.5	3	7.5	7.7	6.19%	4M 12D	4M 12D
Franklin India Savings Fund Growth	₹51.7379 ↑ 0.01	₹4,422	0.5	1.5	3	7.5	7.7	6.17%	3M 14D	3M 22D
ICICI Prudential Money Market Fund Growth	₹391.578 ↑ 0.11	₹35,579	0.4	1.5	3	7.5	7.7	6.15%	3M 17D	3M 25D
Nippon India Money Market Fund Growth	₹4,282.53 ↑ 1.16	₹24,239	0.4	1.5	3	7.5	7.8	6.27%	4M 27D	5M 7D
Tata Money Market Fund Growth	₹4,870.71 ↑ 1.34	₹41,197	0.4	1.5	3	7.4	7.7	0%
Aditya Birla Sun Life Money Manager Fund Growth	₹381.747 ↑ 0.10	₹32,599	0.4	1.5	3	7.4	7.8	6.32%	5M 23D	5M 26D
Kotak Money Market Scheme Growth	₹4,632.54 ↑ 1.29	₹37,667	0.4	1.5	3	7.4	7.7	6.2%	4M 24D	4M 24D
HDFC Money Market Fund Growth	₹5,895.57 ↑ 1.60	₹37,517	0.4	1.5	3	7.4	7.7	6.19%	3M 20D	3M 27D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Dec 25

Research Highlights & Commentary of 8 Funds showcased

Commentary	UTI Money Market Fund	Franklin India Savings Fund	ICICI Prudential Money Market Fund	Nippon India Money Market Fund	Tata Money Market Fund	Aditya Birla Sun Life Money Manager Fund	Kotak Money Market Scheme	HDFC Money Market Fund
Point 1	Bottom quartile AUM (₹22,198 Cr).	Bottom quartile AUM (₹4,422 Cr).	Upper mid AUM (₹35,579 Cr).	Lower mid AUM (₹24,239 Cr).	Highest AUM (₹41,197 Cr).	Lower mid AUM (₹32,599 Cr).	Top quartile AUM (₹37,667 Cr).	Upper mid AUM (₹37,517 Cr).
Point 2	Established history (16+ yrs).	Established history (23+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (22+ yrs).	Established history (20+ yrs).	Established history (22+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 4★ (top quartile).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Low.
Point 5	1Y return: 7.53% (top quartile).	1Y return: 7.48% (top quartile).	1Y return: 7.48% (upper mid).	1Y return: 7.48% (upper mid).	1Y return: 7.44% (lower mid).	1Y return: 7.43% (lower mid).	1Y return: 7.43% (bottom quartile).	1Y return: 7.40% (bottom quartile).
Point 6	1M return: 0.46% (top quartile).	1M return: 0.45% (top quartile).	1M return: 0.45% (upper mid).	1M return: 0.43% (lower mid).	1M return: 0.42% (bottom quartile).	1M return: 0.42% (bottom quartile).	1M return: 0.43% (lower mid).	1M return: 0.44% (upper mid).
Point 7	Sharpe: 3.06 (top quartile).	Sharpe: 2.80 (bottom quartile).	Sharpe: 2.82 (lower mid).	Sharpe: 2.94 (upper mid).	Sharpe: 2.94 (upper mid).	Sharpe: 3.16 (top quartile).	Sharpe: 2.87 (lower mid).	Sharpe: 2.74 (bottom 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): 6.19% (upper mid).	Yield to maturity (debt): 6.17% (lower mid).	Yield to maturity (debt): 6.15% (bottom quartile).	Yield to maturity (debt): 6.27% (top quartile).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.32% (top quartile).	Yield to maturity (debt): 6.20% (upper mid).	Yield to maturity (debt): 6.19% (lower mid).
Point 10	Modified duration: 0.37 yrs (lower mid).	Modified duration: 0.29 yrs (top quartile).	Modified duration: 0.30 yrs (upper mid).	Modified duration: 0.41 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 0.48 yrs (bottom quartile).	Modified duration: 0.40 yrs (lower mid).	Modified duration: 0.31 yrs (upper mid).

UTI Money Market Fund

Bottom quartile AUM (₹22,198 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.53% (top quartile).
1M return: 0.46% (top quartile).
Sharpe: 3.06 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (upper mid).
Modified duration: 0.37 yrs (lower mid).

Franklin India Savings Fund

Bottom quartile AUM (₹4,422 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.48% (top quartile).
1M return: 0.45% (top quartile).
Sharpe: 2.80 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.17% (lower mid).
Modified duration: 0.29 yrs (top quartile).

ICICI Prudential Money Market Fund

Upper mid AUM (₹35,579 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.48% (upper mid).
1M return: 0.45% (upper mid).
Sharpe: 2.82 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.30 yrs (upper mid).

Nippon India Money Market Fund

Lower mid AUM (₹24,239 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.48% (upper mid).
1M return: 0.43% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.27% (top quartile).
Modified duration: 0.41 yrs (bottom quartile).

Tata Money Market Fund

Highest AUM (₹41,197 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.44% (lower mid).
1M return: 0.42% (bottom quartile).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Aditya Birla Sun Life Money Manager Fund

Lower mid AUM (₹32,599 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.43% (lower mid).
1M return: 0.42% (bottom quartile).
Sharpe: 3.16 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.32% (top quartile).
Modified duration: 0.48 yrs (bottom quartile).

Kotak Money Market Scheme

Top quartile AUM (₹37,667 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.43% (bottom quartile).
1M return: 0.43% (lower mid).
Sharpe: 2.87 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.20% (upper mid).
Modified duration: 0.40 yrs (lower mid).

HDFC Money Market Fund

Upper mid AUM (₹37,517 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.40% (bottom quartile).
1M return: 0.44% (upper mid).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.31 yrs (upper mid).

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

Bottom quartile AUM (₹22,198 Cr).
Established history (16+ yrs).
Rating: 4★ (top quartile).
Risk profile: Low.
1Y return: 7.53% (top quartile).
1M return: 0.46% (top quartile).
Sharpe: 3.06 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.19% (upper mid).
Modified duration: 0.37 yrs (lower mid).
Average maturity: 0.37 yrs (lower mid).
Exit load: NIL.

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (26 Dec 25)	₹3,182.86 ↑ 0.94 (0.03 %)
Net Assets (Cr)	₹22,198 on 30 Nov 25
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.25
Sharpe Ratio	3.06
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	4 Months 12 Days
Modified Duration	4 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,373
30 Nov 22	₹10,853
30 Nov 23	₹11,660
30 Nov 24	₹12,559
30 Nov 25	₹13,512

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 26 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	7.5%
3 Year	7.6%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.4%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	4 Yr.
Amit Sharma	7 Jul 17	8.41 Yr.

Data below for UTI Money Market Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	77.2%
Debt	22.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	50.63%
Cash Equivalent	32.86%
Government	16.27%

Credit Quality

Rating	Value
A	0.45%
AAA	99.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	2%	₹533 Cr	5,500,000,000 ↑ 5,500,000,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	2%	₹493 Cr	5,000,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹492 Cr	5,000,000,000
Union Bank of India Domestic Bonds \| -	2%	₹389 Cr	4,000,000,000 ↑ 4,000,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	1%	₹286 Cr	3,000,000,000 ↑ 3,000,000,000
Small Industries Development Bank of India Debentures \| -	1%	₹284 Cr	3,000,000,000 ↑ 3,000,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹246 Cr	2,500,000,000
India (Republic of) - \| -	1%	₹246 Cr	2,500,000,000 ↑ 2,500,000,000
IDFC First Bank Ltd. Debentures \| -	1%	₹243 Cr	2,500,000,000 ↑ 2,500,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000

2. 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 (₹4,422 Cr).
Established history (23+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.48% (top quartile).
1M return: 0.45% (top quartile).
Sharpe: 2.80 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.17% (lower mid).
Modified duration: 0.29 yrs (top quartile).
Average maturity: 0.31 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 (24 Dec 25)	₹51.7379 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹4,422 on 30 Nov 25
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	2.8
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.17%
Effective Maturity	3 Months 22 Days
Modified Duration	3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,357
30 Nov 22	₹10,784
30 Nov 23	₹11,568
30 Nov 24	₹12,447
30 Nov 25	₹13,387

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 26 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3%
1 Year	7.5%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.16 Yr.
Rohan Maru	10 Oct 24	1.14 Yr.
Chandni Gupta	30 Apr 24	1.59 Yr.

Data below for Franklin India Savings Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	98.44%
Debt	1.33%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.25%
Corporate	27.56%
Government	19.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	5%	₹222 Cr	22,500,000
Canara Bank Domestic Bonds \| -	5%	₹198 Cr	4,000
364 DTB 22012026 Sovereign Bonds \| -	3%	₹127 Cr	12,816,500
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹74 Cr	1,500
Punjab National Bank Domestic Bonds \| -	1%	₹50 Cr	1,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹49 Cr	5,000,000
Indian Bank Domestic Bonds \| -	1%	₹49 Cr	1,000
08.39 RJ UDAY 2026 Domestic Bonds \| -	1%	₹29 Cr	2,860,000
08.43 AS Sdl 2026 Sovereign Bonds \| -	1%	₹21 Cr	2,000,000
India (Republic of) - \| -	0%	₹20 Cr	2,000,000

3. 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

Upper mid AUM (₹35,579 Cr).
Established history (19+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.48% (upper mid).
1M return: 0.45% (upper mid).
Sharpe: 2.82 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.15% (bottom quartile).
Modified duration: 0.30 yrs (upper mid).
Average maturity: 0.32 yrs (upper 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 (26 Dec 25)	₹391.578 ↑ 0.11 (0.03 %)
Net Assets (Cr)	₹35,579 on 15 Dec 25
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	2.82
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.15%
Effective Maturity	3 Months 25 Days
Modified Duration	3 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,368
30 Nov 22	₹10,828
30 Nov 23	₹11,625
30 Nov 24	₹12,521
30 Nov 25	₹13,464

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 26 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.5%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	2.47 Yr.
Nikhil Kabra	3 Aug 16	9.33 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	90.4%
Debt	9.37%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.59%
Corporate	41.11%
Government	15.07%

Credit Quality

Rating	Value
AAA	98.14%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	6%	₹2,304 Cr	233,500,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	4%	₹1,299 Cr	131,500,000
Bank of Baroda Debentures \| -	2%	₹593 Cr	12,000
Bank of Baroda Debentures \| -	1%	₹470 Cr	9,500
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹346 Cr	35,000,000
364 DTB 15012026 Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
India (Republic of) - \| -	1%	₹249 Cr	25,000,000
Union Bank of India Domestic Bonds \| -	1%	₹243 Cr	5,000
Bank of India Ltd. Debentures \| -	1%	₹243 Cr	5,000
HDFC Bank Ltd. Debentures \| -	1%	₹197 Cr	4,000

4. 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 (₹24,239 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.48% (upper mid).
1M return: 0.43% (lower mid).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.27% (top quartile).
Modified duration: 0.41 yrs (bottom quartile).
Average maturity: 0.44 yrs (bottom quartile).
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 (26 Dec 25)	₹4,282.53 ↑ 1.16 (0.03 %)
Net Assets (Cr)	₹24,239 on 15 Dec 25
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.94
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.27%
Effective Maturity	5 Months 7 Days
Modified Duration	4 Months 27 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,377
30 Nov 22	₹10,865
30 Nov 23	₹11,667
30 Nov 24	₹12,567
30 Nov 25	₹13,516

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 26 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.5%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Kinjal Desai	16 Jul 18	7.38 Yr.
Vikash Agarwal	14 Sep 24	1.21 Yr.
Lokesh Maru	5 Sep 25	0.24 Yr.
Divya Sharma	5 Sep 25	0.24 Yr.

Data below for Nippon India Money Market Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	87.41%
Debt	12.35%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	53.41%
Corporate	35.47%
Government	10.88%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treasury Bill Sovereign Bonds \| -	2%	₹440 Cr	45,000,000
Bank of Baroda Debentures \| -	2%	₹365 Cr	7,500
Small Industries Development Bank of India Debentures \| -	1%	₹284 Cr	6,000
364 DTB 27022026 Sovereign Bonds \| -	1%	₹247 Cr	25,000,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹247 Cr	25,000,000
Bank of India Ltd. Debentures \| -	1%	₹243 Cr	5,000
07.36 UK Gs 2033 Sovereign Bonds \| -	1%	₹229 Cr	22,783,400
Indian Bank Domestic Bonds \| -	1%	₹222 Cr	4,500
Treasury Bills Sovereign Bonds \| -	1%	₹197 Cr	20,000,000
Bank of India Ltd. Debentures \| -	1%	₹195 Cr	4,000

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.

Research Highlights for Tata Money Market Fund

Highest AUM (₹41,197 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.44% (lower mid).
1M return: 0.42% (bottom quartile).
Sharpe: 2.94 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: NIL.

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (26 Dec 25)	₹4,870.71 ↑ 1.34 (0.03 %)
Net Assets (Cr)	₹41,197 on 15 Dec 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	2.94
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,389
30 Nov 22	₹10,858
30 Nov 23	₹11,659
30 Nov 24	₹12,556
30 Nov 25	₹13,501

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 26 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	12.13 Yr.

Data below for Tata Money Market Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	77.86%
Debt	21.92%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	41.39%
Corporate	39.88%
Government	18.51%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	6%	₹2,361 Cr	236,000,000
Treasury Bill Sovereign Bonds \| -	4%	₹1,548 Cr	162,500,000 ↑ 162,500,000
Indian Bank Domestic Bonds \| -	2%	₹953 Cr	20,000
Small Industries Development Bank of India Debentures \| -	2%	₹945 Cr	20,000
Indusind Bank Ltd. Debentures \| -	1%	₹583 Cr	12,000
Canara Bank Domestic Bonds \| -	1%	₹546 Cr	11,000
364 DTB 19mar2026 Sovereign Bonds \| -	1%	₹493 Cr	50,000,000
India (Republic of) - \| -	1%	₹375 Cr	38,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹292 Cr	6,000
Indusind Bank Ltd. Debentures \| -	1%	₹247 Cr	5,000

6. 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

Lower mid AUM (₹32,599 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 7.43% (lower mid).
1M return: 0.42% (bottom quartile).
Sharpe: 3.16 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.32% (top quartile).
Modified duration: 0.48 yrs (bottom quartile).
Average maturity: 0.49 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 (26 Dec 25)	₹381.747 ↑ 0.10 (0.03 %)
Net Assets (Cr)	₹32,599 on 15 Dec 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.16
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.32%
Effective Maturity	5 Months 26 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,382
30 Nov 22	₹10,856
30 Nov 23	₹11,663
30 Nov 24	₹12,565
30 Nov 25	₹13,510

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 26 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	14.39 Yr.
Anuj Jain	22 Mar 21	4.7 Yr.
Mohit Sharma	1 Apr 17	8.67 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	87.73%
Debt	12.04%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	52.05%
Corporate	34.34%
Government	13.39%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	2%	₹770 Cr	77,000,000
India (Republic of) - \| -	2%	₹495 Cr	50,000,000
India (Republic of) - \| -	1%	₹383 Cr	40,000,000
07.49 GJ Sgs 2026 Sovereign Bonds \| -	1%	₹329 Cr	32,500,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹240 Cr	24,000,000
07.57 GJ Sgs 2026 Sovereign Bonds \| -	1%	₹239 Cr	23,500,000 ↑ 23,500,000
Treasury Bill Sovereign Bonds \| -	1%	₹238 Cr	25,000,000
Karur Vysya Bank Ltd. Debentures \| -	1%	₹235 Cr	5,000 ↑ 5,000
India (Republic of) - \| -	1%	₹216 Cr	22,500,000
Union Bank of India Domestic Bonds \| -	1%	₹195 Cr	4,000

7. 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.

Research Highlights for Kotak Money Market Scheme

Top quartile AUM (₹37,667 Cr).
Established history (22+ yrs).
Rating: 4★ (upper mid).
Risk profile: Low.
1Y return: 7.43% (bottom quartile).
1M return: 0.43% (lower mid).
Sharpe: 2.87 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.20% (upper mid).
Modified duration: 0.40 yrs (lower mid).
Average maturity: 0.40 yrs (lower mid).
Exit load: NIL.

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (26 Dec 25)	₹4,632.54 ↑ 1.29 (0.03 %)
Net Assets (Cr)	₹37,667 on 15 Dec 25
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	2.87
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.2%
Effective Maturity	4 Months 24 Days
Modified Duration	4 Months 24 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,366
30 Nov 22	₹10,840
30 Nov 23	₹11,634
30 Nov 24	₹12,529
30 Nov 25	₹13,467

Kotak Money Market Scheme 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 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 26 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.4%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.3%
2022	4.9%
2021	3.7%
2020	5.7%
2019	8%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	19.1 Yr.
Manu Sharma	1 Nov 22	3.08 Yr.

Data below for Kotak Money Market Scheme as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	82.45%
Debt	17.32%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	47.8%
Cash Equivalent	35.9%
Government	16.06%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	2%	₹881 Cr	90,000,000
Indusind Bank Ltd. Debentures \| -	2%	₹680 Cr	70,000
364 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹660 Cr	67,500,000
364 Days Tbill Red 05-02-2026 Sovereign Bonds \| -	2%	₹645 Cr	65,000,000
India (Republic of) - \| -	2%	₹592 Cr	60,000,000
364 DTB 29012026 Sovereign Bonds \| -	1%	₹497 Cr	50,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹492 Cr	50,000
Bank of Baroda Debentures \| -	1%	₹487 Cr	50,000
Bank of India Ltd. Debentures \| -	1%	₹487 Cr	50,000
Federal Bank Ltd. Debentures \| -	1%	₹462 Cr	47,500 ↓ -2,500

8. 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 (₹37,517 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.40% (bottom quartile).
1M return: 0.44% (upper mid).
Sharpe: 2.74 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.19% (lower mid).
Modified duration: 0.31 yrs (upper mid).
Average maturity: 0.33 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 (26 Dec 25)	₹5,895.57 ↑ 1.60 (0.03 %)
Net Assets (Cr)	₹37,517 on 30 Nov 25
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.4
Sharpe Ratio	2.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	6.19%
Effective Maturity	3 Months 27 Days
Modified Duration	3 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,375
30 Nov 22	₹10,836
30 Nov 23	₹11,626
30 Nov 24	₹12,515
30 Nov 25	₹13,448

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 26 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7.4%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	1.25 Yr.
Dhruv Muchhal	22 Jun 23	2.44 Yr.

Data below for HDFC Money Market Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	86.43%
Debt	13.32%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	45.79%
Cash Equivalent	36.95%
Government	17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	3%	₹1,092 Cr	22,000
Punjab National Bank Domestic Bonds \| -	2%	₹689 Cr	14,000
364 Days Tbill (Md 05/03/2026) Sovereign Bonds \| -	1%	₹494 Cr	50,000,000
Union Bank of India Domestic Bonds \| -	1%	₹487 Cr	10,000
IDFC First Bank Ltd. Debentures \| -	1%	₹484 Cr	10,000
07.35 GJ Sdl 2026 Sovereign Bonds \| -	1%	₹482 Cr	48,000,000
India (Republic of) - \| -	1%	₹392 Cr	40,000,000
364 Days Tbill Red 12-03-2026 Sovereign Bonds \| -	1%	₹346 Cr	35,000,000
364 DTB 12022026 Sovereign Bonds \| -	1%	₹298 Cr	30,000,000
India (Republic of) - \| -	1%	₹297 Cr	30,000,000 ↑ 30,000,000

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