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فنکاش »باہمی چندہ »ایک سال کے لیے بہترین SIP پلان

1 سالہ سرمایہ کاری 2022 کے لیے 9 بہترین SIP پلان

Updated on April 20, 2025 , 120531 views

بہترین SIP پلانز? ان کا انتخاب کیسے کریں؟ یہ کچھ عام سوالات ہیں جو سوچتے وقت سرمایہ کاروں کے ذہن میں آتے ہیں۔میوچل فنڈز میں سرمایہ کاری ایک کے ذریعےگھونٹ یا منظمسرمایہ کاری کا منصوبہ.

SIP سرمایہ کاری سب سے زیادہ نظم و ضبط میں سے ایک ہےسرمایہ کاری میں سرمایہ کاری کرتے وقت اختیاراتباہمی چندہ. مزید یہ کہ، SIP میوچل فنڈ میں سرمایہ کاری کی کم از کم رقم INR 500 سے کم ہے۔ اس سے سرمایہ کاری ہوتی ہے۔ٹاپ ایس آئی پی بہت آسان منصوبے.

SIP

SIP میں کیوں سرمایہ کاری کریں؟

Mutual Funds میں SIP سرمایہ کاری بچت کی عادت ڈالنے کا سب سے آسان طریقہ ہے۔ اکثر کمانے والے لوگوں کی نوجوان نسل زیادہ بچت نہیں کر پاتی۔ سیسٹیمیٹک انویسٹمنٹ پلان کے لیے کسی کو بہت زیادہ سرمایہ کاری کی ضرورت نہیں ہے کیونکہ ابتدائی رقم 500 روپے سے کم ہے، اور کچھ فنڈز ماہانہ INR 100 کے لیے SIP بھی پیش کرتے ہیں۔ کم عمری سے ہی، کوئی شخص اپنی بچت کو سرمایہ کاری کے طور پر بنانے کی عادت ڈال سکتا ہے۔ SIP، اس طرح ہر مہینے کے دوران بچانے کے لیے ایک مقررہ رقم مختص کرتا ہے۔ اس لیے منظم سرمایہ کاری کے منصوبے سمارٹ سرمایہ کاری کے سب سے اہم ٹولز میں سے ایک ہیں۔

ایس آئی پی آپ کی تیاری میں مدد کرتا ہے۔مالی اہداف پریشانی سے پاک انداز میں۔ ایس آئی پی کا ہونا انتہائی آسان ہے کیونکہ میوچل فنڈز کو کاغذی کارروائی صرف ایک بار کرنے کی ضرورت ہوتی ہے جس کے بعد ماہانہ رقوم کو اس سے ڈیبٹ کیا جاتا ہے۔بینک بغیر مداخلت کے براہ راست اکاؤنٹ۔ نتیجے کے طور پر، SIP کو دیگر سرمایہ کاری اور بچت کے اختیارات کے لیے درکار کوششوں کی ضرورت نہیں ہے۔

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مالی سال 22 - 23 میں 1 سالہ سرمایہ کاری کے لیے بہترین SIP پلان

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹541.303
↑ 0.20
₹13,294 1,000 2.24.17.977.97.75%6M 25D7M 28D
ICICI Prudential Ultra Short Term Fund Growth ₹27.3546
↑ 0.01
₹12,674 1,000 2.13.87.56.87.57.53%5M 8D7M 28D
Invesco India Ultra Short Term Fund Growth ₹2,665.19
↑ 0.63
₹859 1,000 2.13.87.46.67.57.49%6M 13D7M 2D
BOI AXA Liquid Fund Growth ₹2,971.91
↑ 0.52
₹1,524 1,000 1.93.77.46.97.46.94%2M 1D2M 1D
Kotak Savings Fund Growth ₹42.3697
↑ 0.01
₹11,873 1,000 2.13.87.46.67.27.32%6M 4D6M 14D
Nippon India Ultra Short Duration Fund Growth ₹3,981.06
↑ 1.10
₹6,498 100 23.77.36.67.27.73%5M 4D7M 1D
Indiabulls Liquid Fund Growth ₹2,496.2
↑ 0.51
₹130 500 1.93.77.36.77.47.07%2M 1D2M 2D
UTI Ultra Short Term Fund Growth ₹4,189.39
↑ 0.85
₹3,143 500 23.77.36.57.27.57%5M 23D6M 23D
DSP BlackRock Money Manager Fund Growth ₹3,367.41
↑ 0.66
₹3,349 500 2.23.87.36.46.97.26%5M 5D5M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Apr 25

1. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (23 Apr 25) ₹541.303 ↑ 0.20   (0.04 %)
Net Assets (Cr) ₹13,294 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.09
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.75%
Effective Maturity 7 Months 28 Days
Modified Duration 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,634
31 Mar 22₹11,077
31 Mar 23₹11,676
31 Mar 24₹12,543
31 Mar 25₹13,517

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 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 23 Apr 25

DurationReturns
1 Month 1.1%
3 Month 2.2%
6 Month 4.1%
1 Year 7.9%
3 Year 7%
5 Year 6.3%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.9%
2022 7.2%
2021 4.8%
2020 3.9%
2019 7%
2018 8.5%
2017 7.6%
2016 7.2%
2015 9.2%
2014 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.7 Yr.
Kaustubh Gupta15 Jul 1113.64 Yr.
Monika Gandhi22 Mar 213.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash40.5%
Debt59.18%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate69.04%
Cash Equivalent24.5%
Government6.14%
Credit Quality
RatingValue
AA33.14%
AAA66.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Company Limited
Debentures | -
4%₹603 Cr60,000
Nirma Limited
Debentures | -
3%₹485 Cr48,500
364 DTB
Sovereign Bonds | -
3%₹471 Cr47,500,000
National Housing Bank
Debentures | -
3%₹400 Cr40,000
182 DTB 29082025
Sovereign Bonds | -
2%₹340 Cr35,000,000
Mankind Pharma Ltd
Debentures | -
2%₹305 Cr30,500
Avanse Financial Services Ltd 9.40%
Debentures | -
2%₹299 Cr30,000
Axis Bank Ltd.
Debentures | -
2%₹279 Cr6,000
↑ 6,000
ICICI Home Finance Company Limited
Debentures | -
2%₹270 Cr27,000
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹250 Cr25,000
↓ -5,000

2. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (23 Apr 25) ₹27.3546 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹12,674 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 1.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity 7.53%
Effective Maturity 7 Months 28 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,589
31 Mar 22₹11,009
31 Mar 23₹11,594
31 Mar 24₹12,428
31 Mar 25₹13,344

ICICI Prudential Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

DurationReturns
1 Month 1%
3 Month 2.1%
6 Month 3.8%
1 Year 7.5%
3 Year 6.8%
5 Year 6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.5%
2022 6.9%
2021 4.5%
2020 4%
2019 6.5%
2018 8.4%
2017 7.5%
2016 6.9%
2015 9.8%
2014 9.1%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 168.3 Yr.
Ritesh Lunawat15 Jun 177.72 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash45.31%
Debt54.4%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate56.83%
Cash Equivalent24.3%
Government18.59%
Credit Quality
RatingValue
AA20.39%
AAA79.61%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2028
Sovereign Bonds | -
4%₹583 Cr58,000,000
↑ 10,000,000
India (Republic of)
- | -
4%₹484 Cr50,000,000
↑ 50,000,000
LIC Housing Finance Limited
Debentures | -
3%₹434 Cr4,350
Bharti Telecom Limited
Debentures | -
3%₹351 Cr35,000
↑ 2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹304 Cr30,500
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹299 Cr3,000
Small Industries Development Bank Of India
Debentures | -
2%₹299 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹249 Cr2,500
LIC Housing Finance Limited
Debentures | -
2%₹225 Cr2,250
↓ -500
Oberoi Realty Ltd.
Debentures | -
2%₹200 Cr20,000

3. Invesco India Ultra Short Term Fund

(Erstwhile Invesco India Medium Term Bond Fund)

The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments.

Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 40 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.6% and 2022 was 4.1% .

Below is the key information for Invesco India Ultra Short Term Fund

Invesco India Ultra Short Term Fund
Growth
Launch Date 30 Dec 10
NAV (23 Apr 25) ₹2,665.19 ↑ 0.63   (0.02 %)
Net Assets (Cr) ₹859 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 0.74
Sharpe Ratio 1.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.49%
Effective Maturity 7 Months 2 Days
Modified Duration 6 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,449
31 Mar 22₹10,784
31 Mar 23₹11,305
31 Mar 24₹12,113
31 Mar 25₹12,995

Invesco India Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Invesco India Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

DurationReturns
1 Month 1%
3 Month 2.1%
6 Month 3.8%
1 Year 7.4%
3 Year 6.6%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.5%
2022 6.6%
2021 4.1%
2020 3%
2019 5.1%
2018 7.6%
2017 7.3%
2016 7.1%
2015 9.1%
2014 8.3%
Fund Manager information for Invesco India Ultra Short Term Fund
NameSinceTenure
Krishna Cheemalapati4 Jan 205.24 Yr.
Vikas Garg27 Jul 213.68 Yr.

Data below for Invesco India Ultra Short Term Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash42.85%
Debt56.81%
Other0.34%
Debt Sector Allocation
SectorValue
Corporate52.93%
Cash Equivalent30.8%
Government15.92%
Credit Quality
RatingValue
AA26.25%
AAA73.75%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 15052025
Sovereign Bonds | -
4%₹49 Cr5,000,000
↑ 5,000,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
4%₹40 Cr4,000,000
Export Import Bank Of India
Debentures | -
4%₹40 Cr4,000,000
Small Industries Development Bank Of India
Debentures | -
3%₹35 Cr3,500,000
Ongc Petro Additions Limited
Debentures | -
3%₹30 Cr3,000,000
Export Import Bank Of India
Debentures | -
3%₹30 Cr3,000,000
Bharti Telecom Limited
Debentures | -
2%₹25 Cr2,500,000
Godrej Industries Limited
Debentures | -
2%₹25 Cr2,500,000
Bharti Telecom Limited
Debentures | -
2%₹25 Cr2,500,000
Torrent Power Limited
Debentures | -
2%₹25 Cr2,500,000

4. BOI AXA Liquid Fund

Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments. However there can be no assurance that the investment objectives of the Scheme will be realized.

BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 34 in Liquid Fund category.  Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (23 Apr 25) ₹2,971.91 ↑ 0.52   (0.02 %)
Net Assets (Cr) ₹1,524 on 31 Mar 25
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.1
Sharpe Ratio 4.1
Information Ratio -0.18
Alpha Ratio -0.04
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.94%
Effective Maturity 2 Months 1 Day
Modified Duration 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,353
31 Mar 22₹10,704
31 Mar 23₹11,316
31 Mar 24₹12,140
31 Mar 25₹13,036

BOI AXA Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for BOI AXA Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

DurationReturns
1 Month 0.7%
3 Month 1.9%
6 Month 3.7%
1 Year 7.4%
3 Year 6.9%
5 Year 5.5%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.4%
2022 7%
2021 4.9%
2020 3.3%
2019 4.1%
2018 6.4%
2017 7.4%
2016 6.7%
2015 7.6%
2014 8.3%
Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 213.62 Yr.

Data below for BOI AXA Liquid Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash99.79%
Other0.21%
Debt Sector Allocation
SectorValue
Cash Equivalent71.33%
Corporate17.78%
Government10.68%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Punjab National Bank
Certificate of Deposit | -
5%₹98 Cr10,000,000
↑ 10,000,000
India (Republic of)
- | -
5%₹93 Cr9,382,500
↑ 9,382,500
Axis Bank Ltd.
Certificate of Deposit | -
4%₹80 Cr8,100,000
Union Bank Of India
Certificate of Deposit | -
4%₹75 Cr7,500,000
↓ -2,500,000
LIC Housing Finance Ltd
Commercial Paper | -
4%₹75 Cr7,500,000
HDFC Securities Limited
Commercial Paper | -
4%₹74 Cr7,500,000
India (Republic of)
- | -
4%₹74 Cr7,500,000
↑ 7,500,000
Canara Bank
Domestic Bonds | -
4%₹74 Cr7,500,000
↑ 7,500,000
Kotak Securities Ltd
Commercial Paper | -
3%₹50 Cr5,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹50 Cr5,000,000

5. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 44 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (23 Apr 25) ₹42.3697 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹11,873 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.8
Sharpe Ratio 0.92
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.32%
Effective Maturity 6 Months 14 Days
Modified Duration 6 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,510
31 Mar 22₹10,871
31 Mar 23₹11,437
31 Mar 24₹12,236
31 Mar 25₹13,117

Kotak Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Kotak 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 23 Apr 25

DurationReturns
1 Month 1%
3 Month 2.1%
6 Month 3.8%
1 Year 7.4%
3 Year 6.6%
5 Year 5.6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.2%
2022 6.8%
2021 4.5%
2020 3.2%
2019 5.8%
2018 7.8%
2017 7.4%
2016 6.7%
2015 8.2%
2014 8.6%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0816.89 Yr.
Manu Sharma1 Nov 222.33 Yr.

Data below for Kotak Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash59.38%
Debt40.3%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate59.06%
Cash Equivalent24.21%
Government16.42%
Credit Quality
RatingValue
AA9.91%
AAA90.09%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 15052025
Sovereign Bonds | -
4%₹495 Cr50,000,000
Rural Electrification Corporation Limited
Debentures | -
4%₹474 Cr47,500
Mankind Pharma Ltd
Debentures | -
2%₹300 Cr30,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹299 Cr30,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹229 Cr2,300
Bharti Telecom Limited
Debentures | -
2%₹226 Cr2,250
08.49 Tn SDL 2026
Sovereign Bonds | -
2%₹204 Cr20,080,000
Vedanta Limited
Debentures | -
2%₹199 Cr20,000
Axis Bank Ltd.
Debentures | -
1%₹186 Cr20,000
↑ 20,000
Small Industries Development Bank of India
Debentures | -
1%₹186 Cr20,000
↑ 20,000

6. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.6% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (23 Apr 25) ₹3,981.06 ↑ 1.10   (0.03 %)
Net Assets (Cr) ₹6,498 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.14
Sharpe Ratio 1.08
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.73%
Effective Maturity 7 Months 1 Day
Modified Duration 5 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,494
31 Mar 22₹11,303
31 Mar 23₹11,890
31 Mar 24₹12,714
31 Mar 25₹13,630

Nippon India Ultra Short Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

DurationReturns
1 Month 0.9%
3 Month 2%
6 Month 3.7%
1 Year 7.3%
3 Year 6.6%
5 Year 6.4%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.2%
2022 6.7%
2021 4.6%
2020 7.8%
2019 4.9%
2018 0.9%
2017 7.3%
2016 5.8%
2015 6.8%
2014 7.6%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 1311.42 Yr.
Kinjal Desai25 May 186.77 Yr.
Akshay Sharma1 Dec 222.25 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash51.91%
Debt47.8%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate51.73%
Cash Equivalent36.55%
Government11.44%
Credit Quality
RatingValue
AA19.13%
AAA80.87%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
National Bank For Agriculture And Rural Development
Debentures | -
4%₹309 Cr3,100
India (Republic of)
- | -
3%₹242 Cr25,000,000
↑ 25,000,000
182 DTB 12062025
Sovereign Bonds | -
3%₹241 Cr24,500,000
Small Industries Development Bank Of India
Debentures | -
3%₹199 Cr2,000
Indinfravit Trust
Debentures | -
3%₹187 Cr19,500
Rec Limited
Debentures | -
2%₹182 Cr1,850
HDFC Credila Financial Services Ltd
Debentures | -
2%₹166 Cr16,500
Vedanta Limited
Debentures | -
2%₹165 Cr16,500
Canara Bank
Domestic Bonds | -
2%₹140 Cr3,000
↑ 3,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹125 Cr12,500

7. Indiabulls Liquid Fund

To provide a high level of liquidity with returns commensurate with low risk through a portfolio of money market and debt securities with maturity of up to 91days. However, there can be no assurance that the investment objective of the scheme will be achieved.

Indiabulls Liquid Fund is a Debt - Liquid Fund fund was launched on 27 Oct 11. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch.  Ranked 2 in Liquid Fund category.  Return for 2024 was 7.4% , 2023 was 6.8% and 2022 was 4.6% .

Below is the key information for Indiabulls Liquid Fund

Indiabulls Liquid Fund
Growth
Launch Date 27 Oct 11
NAV (23 Apr 25) ₹2,496.2 ↑ 0.51   (0.02 %)
Net Assets (Cr) ₹130 on 31 Mar 25
Category Debt - Liquid Fund
AMC Indiabulls Asset Management Company Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio 2.76
Information Ratio -2.12
Alpha Ratio -0.15
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.07%
Effective Maturity 2 Months 2 Days
Modified Duration 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,335
31 Mar 22₹10,651
31 Mar 23₹11,223
31 Mar 24₹12,016
31 Mar 25₹12,897

Indiabulls Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Indiabulls Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

DurationReturns
1 Month 0.8%
3 Month 1.9%
6 Month 3.7%
1 Year 7.3%
3 Year 6.7%
5 Year 5.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.4%
2022 6.8%
2021 4.6%
2020 3.1%
2019 3.9%
2018 6.6%
2017 7.3%
2016 6.7%
2015 7.8%
2014 8.5%
Fund Manager information for Indiabulls Liquid Fund
NameSinceTenure
Kaustubh Sule11 May 231.89 Yr.

Data below for Indiabulls Liquid Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash99.64%
Other0.36%
Debt Sector Allocation
SectorValue
Cash Equivalent83.61%
Government9.63%
Corporate6.41%
Credit Quality
RatingValue
AA6.59%
AAA93.41%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
India (Republic of)
- | -
10%₹15 Cr1,500,000
↑ 1,500,000
Export-Import Bank Of India
Commercial Paper | -
10%₹15 Cr1,500,000
↑ 1,500,000
National Bank for Agriculture and Rural Development
Commercial Paper | -
9%₹14 Cr1,425,000
↑ 1,425,000
Axis Bank Limited
Certificate of Deposit | -
9%₹14 Cr1,400,000
↑ 1,400,000
Small Industries Development Bank Of India
Debentures | -
7%₹10 Cr1,000,000
↑ 1,000,000
05.75 RJ Sdl 2025
Sovereign Bonds | -
7%₹10 Cr1,000,000
↑ 1,000,000
Kotak Mahindra Bank Limited
Certificate of Deposit | -
6%₹10 Cr1,000,000
HDFC Bank Limited
Certificate of Deposit | -
6%₹10 Cr1,000,000
↑ 1,000,000
Bank Of Baroda
Certificate of Deposit | -
6%₹10 Cr1,000,000
↑ 1,000,000
Icici Securities Limited (Earlier Icici Brokerage Services Limited)
Commercial Paper | -
6%₹10 Cr1,000,000
↑ 1,000,000

8. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.8% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.7% and 2022 was 4.2% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (23 Apr 25) ₹4,189.39 ↑ 0.85   (0.02 %)
Net Assets (Cr) ₹3,143 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 0.91
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.57%
Effective Maturity 6 Months 23 Days
Modified Duration 5 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,498
31 Mar 22₹11,148
31 Mar 23₹11,703
31 Mar 24₹12,516
31 Mar 25₹13,414

UTI Ultra Short Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25

DurationReturns
1 Month 0.9%
3 Month 2%
6 Month 3.7%
1 Year 7.3%
3 Year 6.5%
5 Year 6.1%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.2%
2022 6.7%
2021 4.2%
2020 6.1%
2019 5.3%
2018 3.3%
2017 7%
2016 6.6%
2015 8.9%
2014 8.5%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Anurag Mittal21 Jan 250.19 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash62.89%
Debt36.86%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate51.62%
Cash Equivalent38.62%
Government9.52%
Credit Quality
RatingValue
AA20.97%
AAA79.03%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Bajaj Housing Finance Limited
Debentures | -
3%₹100 Cr1,000
182 Days Tbill
Sovereign Bonds | -
3%₹97 Cr1,000,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹75 Cr750
LIC Housing Finance Ltd
Debentures | -
2%₹75 Cr750
Shriram Transport Finance Company Limited
Debentures | -
2%₹50 Cr5,000
India Grid TRust
Debentures | -
2%₹50 Cr500
Small Industries Development Bank Of India
Debentures | -
2%₹50 Cr500
↑ 500
HDFC Bank Limited
Debentures | -
2%₹50 Cr5,000
Avanse Financial Services Limited
Debentures | -
2%₹50 Cr500
Can Fin Homes Limited
Debentures | -
1%₹50 Cr500

9. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (23 Apr 25) ₹3,367.41 ↑ 0.66   (0.02 %)
Net Assets (Cr) ₹3,349 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio 0.58
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.26%
Effective Maturity 5 Months 23 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,414
31 Mar 22₹10,733
31 Mar 23₹11,251
31 Mar 24₹12,023
31 Mar 25₹12,882

DSP BlackRock Money Manager Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for DSP BlackRock 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 23 Apr 25

DurationReturns
1 Month 0.9%
3 Month 2.2%
6 Month 3.8%
1 Year 7.3%
3 Year 6.4%
5 Year 5.2%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.9%
2022 6.7%
2021 4.1%
2020 2.9%
2019 4.7%
2018 7.3%
2017 5%
2016 6%
2015 7.5%
2014 7.9%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Karan Mundhra31 May 213.75 Yr.
Shalini Vasanta1 Jan 250.16 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash68.21%
Debt31.37%
Other0.43%
Debt Sector Allocation
SectorValue
Corporate52.3%
Cash Equivalent37.82%
Government9.44%
Credit Quality
RatingValue
AA5.7%
AAA94.3%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
5%₹156 Cr1,500
91 DTB 10042025
Sovereign Bonds | -
3%₹100 Cr10,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹79 Cr750
Small Industries Development Bank Of India
Debentures | -
2%₹78 Cr750
182 Days Tbill (Md 01/05/2025)
Sovereign Bonds | -
2%₹74 Cr7,500,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
2%₹70 Cr1,500
↑ 1,500
182 DTB 31072025
Sovereign Bonds | -
2%₹63 Cr6,500,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹61 Cr500
National Housing Bank
Debentures | -
2%₹54 Cr5,000
Tata Capital Limited
Debentures | -
2%₹53 Cr500

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    شروع کرنے کے

اکثر پوچھے گئے سوالات

1. SIPs میں مدت کی کیا اہمیت ہے؟

A: جب آپ SIPs کا انتخاب کرتے ہیں، تو سب سے پہلی چیز جس پر آپ کو غور کرنا چاہیے وہ ہے میعاد۔ مدت کی جانچ کرنا اور پھر سرمایہ کاری کرنا ایک اچھا خیال ہے کیونکہ آپ کو مدت پوری کرنے سے پہلے اپنی سرمایہ کاری بند نہیں کرنی چاہیے۔ اگر آپ ایسا کرتے ہیں، تو ہو سکتا ہے کہ آپ کو ایگزٹ لوڈ کی صورت میں جرمانہ ادا کرنا پڑے۔

2. کیا ایک سال کے SIPs اچھے ہیں؟

A: ہاں، ایک سال کے ایس آئی پیز اچھے ہیں، خاص طور پر اگر آپ فوری واپسی کے خواہاں ہیں۔ عام طور پر، ایک سال کے SIPs کی مدد سے، آپ اپنے فنڈ پورٹ فولیو کے لحاظ سے اپنی سرمایہ کاری پر 4.2% سے 6.2% تک کے ROIs کی توقع کر سکتے ہیں۔

3. مجھے ایک سال کے SIPs میں کیوں سرمایہ کاری کرنی چاہیے؟

A: اگر آپ میوچل فنڈ کی سرمایہ کاری میں نئے ہیں اور سرمایہ کاری کے پورٹ فولیو کو متنوع بنانے کی منصوبہ بندی کر رہے ہیں تو ایک سالہ SIPs مفید ہیں۔

4. کیا ایک سال کے ایس آئی پیز اچھے منافع دیتے ہیں؟

A: ایک سال کے SIPs نوجوان سرمایہ کاروں میں مقبولیت حاصل کر رہے ہیں کیونکہ یہ اچھے اور فوری منافع دیتے ہیں۔ اگر آپ میوچل فنڈز کو سمجھنا چاہتے ہیں۔مارکیٹ، پھر ایک سال کے SIPs ایک اچھا خیال ہے۔

5. کیا تمام ایس آئی پیز اچھے منافع دیتے ہیں؟

A: SIPs آپ کے سرمایہ کاری کے پورٹ فولیو کو متنوع بنانے کے بہترین طریقوں میں سے ایک ہیں اور اچھے منافع پیدا کرنے کے لیے جانے جاتے ہیں۔ یہ آپ کو ان فنڈز کا انتخاب کرنے کی اجازت دیتا ہے جو آپ سرمایہ کاری کرنا چاہتے ہیں اور رقم بھی۔ آپ کو وقفے وقفے سے تھوڑی سی سرمایہ کاری کرنے کا موقع ملتا ہے۔

6. کیا تمام SIPs میں بڑے کیپ اسٹاک شامل ہیں؟

A: کے مطابقSEBI مینڈیٹ، SIP سرمایہ کاروں کو سرمایہ کاروں اور کمپنیوں کی حفاظت کے لیے 70:20:10 پروٹوکول کی پیروی کرنی ہوگی۔ اس اصول کے مطابق، ایکویٹی سرمایہ کاری کا 70% بڑے کیپ اسٹاک میں ہوگا، 20%درمیانی ٹوپی اسٹاک، اور 10٪ میںچھوٹی ٹوپی اسٹاک لہذا ایس آئی پی سرمایہ کاری کو متنوع بناتے ہیں، اور یہ سب صرف بڑے کیپ اسٹاک میں مرکوز نہیں ہوتے ہیں۔

7. کیا کوئی زیادہ سے زیادہ اور کم سے کم رقم ہے جسے SIP میں لگایا جا سکتا ہے؟

A: کم از کم رقم جو آپ SIP میں لگا سکتے ہیں وہ ہے 500 روپے۔ تاہم، SIP میں سرمایہ کاری کی کوئی اوپری حد نہیں ہے۔ آپ اپنے فنڈ مینیجر کے ساتھ اس کی منصوبہ بندی کر سکتے ہیں۔

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
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