Debt Money Market Low to Moderate Risk Fund Managers: Manish Banthia, Nikhil Kabra
Debt Money Market Low to Moderate Risk
The Scheme aims to provide reasonable returns commensurate with low risk and providing a high level of liquidity by investing in money market instruments.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Money Market | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 0.84% | 1.63% | 3% | 4.46% | 6.41% | 7.22% | 7.32% | 6.96% | 6.32% | 6.62% | 7.12% |
| Category returns | 0.83% | 1.56% | 2.94% | 4.37% | 6.26% | 6.99% | 7.06% | 6.71% | 6.11% | 6.42% | N/A |
| Absolute returns | 0.84% | 1.63% | 3% | 4.46% | 6.41% | 14.96% | 23.62% | 30.97% | 35.91% | 89.84% | 299.27% |
| Rank within category | 14 | 15 | 9 | 10 | 5 | 4 | 4 | 6 | 7 | 5 | N/A |
| Total Schemes in Category | 27 | 27 | 25 | 25 | 24 | 23 | 22 | 20 | 18 | 14 | N/A |
| Money Market | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 7.66% | 6.66% | 7.66% | 7.88% | 6.22% | 3.69% | 4.73% | 7.36% | 7.74% | 7.43% | 1.87% |
| Q1 returns | 2.01% | 1.66% | 1.74% | 2.12% | 1.49% | 0.91% | 1.02% | 1.81% | 2.03% | 2.03% | 1.24% |
| Q2 returns | 1.99% | 1.62% | 1.76% | 1.83% | 2.4% | 0.92% | 0.74% | 1.92% | 1.78% | 2.2% | 0.62% |
| Q3 Returns | 1.79% | 1.6% | 1.8% | 2.1% | 1.19% | 0.94% | 1.27% | 1.72% | 1.93% | 1.51% | N/A |
| Q4 Returns | 1.66% | 1.62% | 2.14% | 1.61% | 1.01% | 0.88% | 1.63% | 1.72% | 1.79% | 1.5% | N/A |
Expense ratio: 0.4%
Inclusive of GST
Exit load
Nil
| Alpha | 0.0664022 |
| Beta | 0.6253 |
| Sharpe Ratio | 0.477621 |
| Sortino Ratio | 0.232303 |
| R-Squared | 0.5753 |
| Tracking Error | 0.1035 |
| Downside Risk | 0.0997 |
| Std. Deviation (Annualised) | 0.4515 |
| Money Market | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI Money Market Fund - Regular Plan - Growth | 0.85% | 1.66% | 3.01% | 4.49% | 6.45% | 7.35% | 6.39% | 6.66% | 7.26% | 18,343.80 | 0.22 | 0.51 | Moderate |
| Axis Money Market Fund - Regular Plan - Growth | 0.86% | 1.68% | 3.03% | 4.5% | 6.45% | 7.33% | 6.34% | 0% | 6.28% | 20,349.50 | 0.34 | 0.48 | Low to Moderate |
| Aditya Birla Sun Life Money Manager Fund - Growth | 0.86% | 1.71% | 2.98% | 4.46% | 6.41% | 7.32% | 6.37% | 6.74% | 6.84% | 28,780.10 | 0.37 | 0.49 | Moderate |
| ICICI Prudential Money Market Fund - Growth Current | 0.84% | 1.63% | 3% | 4.46% | 6.41% | 7.32% | 6.32% | 6.62% | 7.12% | 31,749.70 | 0.40 | 0.48 | Low to Moderate |
| Tata Money Market Fund - Regular Plan - Growth | 0.86% | 1.71% | 3.01% | 4.48% | 6.43% | 7.32% | 6.36% | 5.88% | 6.75% | 32,382.40 | 0.41 | 0.48 | Moderate |
| Nippon India Money Market Fund - Growth | 0.85% | 1.66% | 2.97% | 4.43% | 6.41% | 7.32% | 6.38% | 6.66% | 7.32% | 19,419.70 | 0.41 | 0.47 | Moderate |
| Kotak Money Market Fund - Growth | 0.83% | 1.68% | 3% | 4.47% | 6.4% | 7.29% | 6.33% | 6.59% | 7.05% | 32,331.30 | 0.35 | 0.47 | Moderate |
| Franklin India Money Market Fund - Growth | 0.86% | 1.63% | 3.01% | 4.46% | 6.4% | 7.28% | 6.22% | 6.67% | 7.11% | 3,959.38 | 0.28 | 0.45 | Low to Moderate |
| HDFC Money Market Fund - Regular Plan - Growth | 0.86% | 1.68% | 3.01% | 4.46% | 6.4% | 7.27% | 6.3% | 6.6% | 7.01% | 28,187.70 | 0.46 | 0.45 | Moderate |
| Sundaram Money Market Fund - Regular Plan - Growth | 0.83% | 1.62% | 2.94% | 4.39% | 6.34% | 7.14% | 6.12% | 0% | 6.19% | 1,943.35 | 0.31 | 0.39 | Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Certificate of Deposit | 63.88% |
| Government Securities | 9.93% | |
| Commercial Paper | 24.09% | |
| Cash & Cash Equivalents and Net Assets | 0.38% | |
| Treasury Bills | 1.43% | |
| Alternative Investment Fund | 0.29% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| Axis Bank Ltd. ** | Certificate of Deposit | 4.47% | |
| 7.33% Government Securities | Government Securities | 4.13% | |
| 6.97% Government Securities | Government Securities | 3.34% | |
| HDFC Bank Ltd. ** | Certificate of Deposit | 3.20% | |
| Union Bank Of India | Certificate of Deposit | 3.12% | |
| Bank Of Baroda ** | Certificate of Deposit | 2.82% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 2.53% | |
| Panatone Finvest Ltd. ** | Commercial Paper | 2.38% | |
| IndusInd Bank Ltd. ** | Certificate of Deposit | 2.22% | |
| Bank Of Baroda ** | Certificate of Deposit | 2.09% | |
| NABARD | Certificate of Deposit | 2.09% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 2.08% | |
| Punjab National Bank | Certificate of Deposit | 1.85% | |
| NABARD ** | Certificate of Deposit | 1.64% | |
| Canara Bank | Certificate of Deposit | 1.49% | |
| Tata Capital Housing Finance Ltd. ** | Commercial Paper | 1.48% | |
| NABARD ** | Certificate of Deposit | 1.48% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 1.48% | |
| Bank Of India ** | Certificate of Deposit | 1.48% | |
| HDFC Bank Ltd. ** | Certificate of Deposit | 1.33% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 1.32% | |
| Canara Bank ** | Certificate of Deposit | 1.19% | |
| NABARD ** | Certificate of Deposit | 1.19% | |
| Indian Bank ** | Certificate of Deposit | 1.19% | |
| Bharti Telecom Ltd. ** | Commercial Paper | 1.06% | |
| NABARD ** | Certificate of Deposit | 1.04% | |
| IndusInd Bank Ltd. ** | Certificate of Deposit | 1.04% | |
| Julius Baer Capital (India) Pvt. Ltd. ** | Commercial Paper | 1.04% | |
| National Bank for Financing Infrastructure and Development ** | Certificate of Deposit | 1.03% | |
| Godrej Finance Ltd. ** | Commercial Paper | 1.03% | |
| IDBI Bank Ltd. ** | Certificate of Deposit | 1.03% | |
| 7.86% State Government of West Bengal | Government Securities | 0.92% | |
| HDFC Bank Ltd. | Certificate of Deposit | 0.91% | |
| Punjab National Bank ** | Certificate of Deposit | 0.90% | |
| NABARD ** | Certificate of Deposit | 0.89% | |
| Bank Of Baroda | Certificate of Deposit | 0.89% | |
| Kotak Mahindra Bank Ltd. ** | Certificate of Deposit | 0.89% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.89% | |
| Aditya Birla Housing Finance Ltd. ** | Commercial Paper | 0.89% | |
| Indian Overseas Bank ** | Certificate of Deposit | 0.89% | |
| HDFC Bank Ltd. ** | Certificate of Deposit | 0.88% | |
| Axis Securities Ltd. ** | Commercial Paper | 0.88% | |
| TREPS | Cash & Cash Equivalents and Net Assets | 0.75% | |
| Indian Bank | Certificate of Deposit | 0.74% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 0.74% | |
| Punjab National Bank | Certificate of Deposit | 0.74% | |
| Indian Bank | Certificate of Deposit | 0.74% | |
| Punjab National Bank | Certificate of Deposit | 0.74% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 0.74% | |
| HDFC Bank Ltd. | Certificate of Deposit | 0.74% | |
| Aditya Birla Capital Ltd. ** | Commercial Paper | 0.74% | |
| IndusInd Bank Ltd. ** | Certificate of Deposit | 0.74% | |
| Aditya Birla Housing Finance Ltd. ** | Commercial Paper | 0.74% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 0.74% | |
| Pilani Investment & Industries Ltd ** | Commercial Paper | 0.73% | |
| 364 Days Treasury Bills | Treasury Bills | 0.62% | |
| 182 Days Treasury Bills | Treasury Bills | 0.61% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 0.60% | |
| HDFC Bank Ltd. | Certificate of Deposit | 0.60% | |
| Canara Bank ** | Certificate of Deposit | 0.60% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.59% | |
| Bank Of Baroda ** | Certificate of Deposit | 0.59% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.59% | |
| Infina Finance Pvt. Ltd. ** | Commercial Paper | 0.59% | |
| Cholamandalam Investment And Finance Company Ltd. ** | Commercial Paper | 0.59% | |
| 7.39% State Government of Tamil Nadu | Government Securities | 0.54% | |
| Canara Bank ** | Certificate of Deposit | 0.52% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.52% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 0.52% | |
| Kotak Mahindra Bank Ltd. ** | Certificate of Deposit | 0.45% | |
| Small Industries Development Bank Of India. ** | Certificate of Deposit | 0.45% | |
| IDFC First Bank Ltd. ** | Certificate of Deposit | 0.44% | |
| Aditya Birla Housing Finance Ltd. ** | Commercial Paper | 0.44% | |
| Infina Finance Pvt. Ltd. ** | Commercial Paper | 0.44% | |
| Federal Bank Ltd. ** | Certificate of Deposit | 0.44% | |
| Infina Finance Pvt. Ltd. ** | Commercial Paper | 0.44% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 0.44% | |
| Bank Of Baroda ** | Certificate of Deposit | 0.37% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 0.37% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.37% | |
| Canara Bank ** | Certificate of Deposit | 0.37% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.37% | |
| Small Industries Development Bank Of India. | Certificate of Deposit | 0.30% | |
| Indian Bank ** | Certificate of Deposit | 0.30% | |
| Mashreq Bank PSC India Branch ** | Certificate of Deposit | 0.30% | |
| NABARD ** | Certificate of Deposit | 0.30% | |
| Punjab National Bank ** | Certificate of Deposit | 0.30% | |
| NABARD ** | Certificate of Deposit | 0.30% | |
| Deutsche Investments India Pvt. Ltd. ** | Commercial Paper | 0.30% | |
| Cholamandalam Investment And Finance Company Ltd. | Commercial Paper | 0.30% | |
| Aditya Birla Capital Ltd. ** | Commercial Paper | 0.30% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 0.30% | |
| NABARD ** | Certificate of Deposit | 0.30% | |
| Pilani Investment & Industries Ltd ** | Commercial Paper | 0.30% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 0.30% | |
| Godrej Housing Finance Ltd. ** | Commercial Paper | 0.29% | |
| Bank Of Baroda ** | Certificate of Deposit | 0.29% | |
| Birla Group Holdings Pvt. Ltd. ** | Commercial Paper | 0.29% | |
| Aditya Birla Housing Finance Ltd. ** | Commercial Paper | 0.29% | |
| Bajaj Housing Finance Ltd. ** | Commercial Paper | 0.29% | |
| Punjab & Sind Bank ** | Certificate of Deposit | 0.29% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.29% | |
| Infina Finance Pvt. Ltd. ** | Commercial Paper | 0.29% | |
| Corporate Debt Market Development Fund (Class A2) | Alternative Investment Fund | 0.29% | |
| 7.07% State Government of Tamil Nadu | Government Securities | 0.24% | |
| 7.29% State Government of West Bengal | Government Securities | 0.24% | |
| Muthoot Finance Ltd. ** | Commercial Paper | 0.22% | |
| IGH Holdings Pvt Ltd. ** | Commercial Paper | 0.22% | |
| 7.1% State Government of West Bengal | Government Securities | 0.21% | |
| 182 Days Treasury Bills | Treasury Bills | 0.17% | |
| 8.33% Government Securities | Government Securities | 0.16% | |
| 6.99% Government Securities | Government Securities | 0.16% | |
| Aditya Birla Capital Ltd. ** | Commercial Paper | 0.15% | |
| Cholamandalam Investment And Finance Company Ltd. ** | Commercial Paper | 0.15% | |
| Julius Baer Capital (India) Pvt. Ltd. ** | Commercial Paper | 0.15% | |
| 364 Days Treasury Bills | Treasury Bills | 0.03% | |
| Net Current Assets | Cash & Cash Equivalents and Net Assets | -0.37% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Money Market.
The Scheme aims to provide reasonable returns commensurate with low risk and providing a high level of liquidity by investing in money market instruments.
The scheme benchmark is the Nifty Money Market Index
It is classified as Low to Moderate Risk, suitable for investors with a Low to Moderate risk appetite.
Returns Delivered by the funds are as follows:
1-year: 6.41%
3-year: 7.32%
5-year: 6.32%
Top holdings include names such as:
The NAV is around ₹399.27 (approx.) for the ICICI Prudential Money Market Fund - Growth.
The fund’s AUM is approximately ₹31,750 Cr.
The expense ratio for the Regular Plan is 0.4.
Nil.
Minimum SIP starts at ₹1.
The minimum lump sum investment is ₹500. Often platforms may require higher in practice, but the statutory minimum remains the same.
You can start a SIP through:
Broker/agent platform like Sharescart.
Enter KYC details, choose the Regular Growth option, set SIP amount/frequency, and submit.
Yes. You can modify your SIP amount or frequency anytime online through the Sharescart platform.
You can redeem online via the Sharescart platform — choose the scheme, select the amount/units, and submit. Proceeds are credited to your bank account.
The fund managers: Manish Banthia, Nikhil Kabra
This fund is suitable for investors with a Low to Moderate risk tolerance.
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