Debt Money Market Moderate Risk Fund Managers: Deepak Agrawal, Manu Sharma
Debt Money Market Moderate Risk
The investment objective of the Scheme is to generate returns by investing in money market instruments having maturity upto 1 year.
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 | 0.83% | 1.68% | 3% | 4.47% | 6.4% | 7.19% | 7.29% | 6.95% | 6.33% | 6.59% | 7.05% |
| 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 | 0.83% | 1.68% | 3% | 4.47% | 6.4% | 14.9% | 23.52% | 30.9% | 35.96% | 89.31% | 372.48% |
| Rank within category | 20 | 7 | 8 | 6 | 8 | 8 | 7 | 7 | 6 | 7 | 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 | 7.68% | 6.7% | 7.69% | 8.02% | 5.67% | 3.68% | 4.85% | 7.31% | 7.71% | 7.38% | 1.89% |
| Q1 returns | 2.02% | 1.67% | 1.75% | 2.2% | 1.48% | 0.89% | 1.05% | 1.8% | 2.04% | 2.03% | 1.26% |
| Q2 returns | 1.98% | 1.63% | 1.74% | 1.85% | 1.94% | 0.88% | 0.85% | 1.89% | 1.78% | 2.18% | 0.62% |
| Q3 Returns | 1.8% | 1.62% | 1.78% | 2.08% | 1.08% | 0.97% | 1.26% | 1.71% | 1.91% | 1.5% | N/A |
| Q4 Returns | 1.67% | 1.63% | 2.21% | 1.66% | 1.05% | 0.9% | 1.61% | 1.72% | 1.78% | 1.48% | N/A |
Expense ratio: 0.35%
Inclusive of GST
Exit load
Nil
| Alpha | 0.0634003 |
| Beta | 0.61 |
| Sharpe Ratio | 0.470158 |
| Sortino Ratio | 0.222142 |
| R-Squared | 0.5841 |
| Tracking Error | 0.102 |
| Downside Risk | 0.0684 |
| Std. Deviation (Annualised) | 0.437 |
| 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 | 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 Current | 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 % |
|---|---|---|
|
|
Treasury Bills | 14.95% |
| Certificate of Deposit | 66.98% | |
| Cash & Cash Equivalents and Net Assets | -2.91% | |
| Commercial Paper | 20.05% | |
| Government Securities | 0.64% | |
| Alternative Investment Fund | 0.29% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 182 DAYS TREASURY BILL 18/09/2026 | Treasury Bills | 3.32% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 3.14% | |
| PUNJAB NATIONAL BANK** | Certificate of Deposit | 2.40% | |
| 182 DAYS TREASURY BILL 06/08/2026 | Treasury Bills | 2.28% | |
| 182 DAYS TREASURY BILL 27/08/2026 | Treasury Bills | 2.27% | |
| 182 DAYS TREASURY BILL 10/09/2026 | Treasury Bills | 2.26% | |
| HDFC BANK LTD.** | Certificate of Deposit | 2.19% | |
| INDUSIND BANK LTD.** | Certificate of Deposit | 2.18% | |
| YES BANK LTD.** | Certificate of Deposit | 2.17% | |
| AXIS BANK LTD. | Certificate of Deposit | 2.07% | |
| INDUSIND BANK LTD.** | Certificate of Deposit | 2.05% | |
| CANARA BANK** | Certificate of Deposit | 1.90% | |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Certificate of Deposit | 1.82% | |
| HDFC BANK LTD. | Certificate of Deposit | 1.80% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 1.74% | |
| HDFC BANK LTD.** | Certificate of Deposit | 1.63% | |
| CANARA BANK** | Certificate of Deposit | 1.60% | |
| BANK OF BARODA** | Certificate of Deposit | 1.55% | |
| CANARA BANK** | Certificate of Deposit | 1.50% | |
| AXIS BANK LTD.** | Certificate of Deposit | 1.49% | |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Certificate of Deposit | 1.48% | |
| CANARA BANK** | Certificate of Deposit | 1.47% | |
| Triparty Repo | Cash & Cash Equivalents and Net Assets | 1.46% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 1.46% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 1.46% | |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Certificate of Deposit | 1.46% | |
| PUNJAB NATIONAL BANK** | Certificate of Deposit | 1.46% | |
| INDIAN OVERSEAS BANK** | Certificate of Deposit | 1.45% | |
| HDFC BANK LTD.** | Certificate of Deposit | 1.38% | |
| HDFC BANK LTD.** | Certificate of Deposit | 1.23% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 1.17% | |
| BANK OF BARODA** | Certificate of Deposit | 1.16% | |
| PUNJAB & SIND BANK** | Certificate of Deposit | 1.16% | |
| CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.** | Commercial Paper | 1.16% | |
| 182 DAYS TREASURY BILL 03/09/2026 | Treasury Bills | 1.13% | |
| FEDERAL BANK LTD.** | Certificate of Deposit | 1.09% | |
| HDFC BANK LTD.** | Certificate of Deposit | 1.03% | |
| UNION BANK OF INDIA** | Certificate of Deposit | 1.02% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 1.02% | |
| FEDERAL BANK LTD.** | Certificate of Deposit | 0.95% | |
| MUTHOOT FINANCE LTD.** | Commercial Paper | 0.88% | |
| AU SMALL FINANCE BANK LTD.** | Certificate of Deposit | 0.88% | |
| BANK OF BARODA | Certificate of Deposit | 0.87% | |
| MOTILAL OSWAL FINANCIAL SERVICES LIMITED** | Commercial Paper | 0.87% | |
| ICICI SECURITIES LIMITED** | Commercial Paper | 0.87% | |
| MUTHOOT FINCORP LTD.** | Commercial Paper | 0.86% | |
| MOTILAL OSWAL FINANCIAL SERVICES LIMITED** | Commercial Paper | 0.86% | |
| 364 DAYS TREASURY BILL 21/05/2026 | Treasury Bills | 0.77% | |
| 182 DAYS TREASURY BILL 04/06/2026 | Treasury Bills | 0.77% | |
| IDBI BANK LTD.** | Certificate of Deposit | 0.76% | |
| BANK OF BARODA** | Certificate of Deposit | 0.74% | |
| BANK OF BARODA** | Certificate of Deposit | 0.73% | |
| Export-Import Bank of India** | Commercial Paper | 0.73% | |
| PUNJAB NATIONAL BANK** | Certificate of Deposit | 0.73% | |
| AU SMALL FINANCE BANK LTD.** | Certificate of Deposit | 0.73% | |
| INDUSIND BANK LTD.** | Certificate of Deposit | 0.73% | |
| ADITYA BIRLA CAPITAL LTD** | Commercial Paper | 0.73% | |
| KARUR VYSYA BANK LTD.** | Certificate of Deposit | 0.73% | |
| UNION BANK OF INDIA** | Certificate of Deposit | 0.72% | |
| ICICI SECURITIES LIMITED** | Commercial Paper | 0.72% | |
| ADITYA BIRLA CAPITAL LTD** | Commercial Paper | 0.72% | |
| 360 ONE PRIME LTD.** | Commercial Paper | 0.72% | |
| ICICI SECURITIES LIMITED** | Commercial Paper | 0.61% | |
| ICICI SECURITIES LIMITED** | Commercial Paper | 0.61% | |
| 364 DAYS TREASURY BILL 11/02/2027 | Treasury Bills | 0.59% | |
| MUTHOOT FINANCE LTD.** | Commercial Paper | 0.58% | |
| HDFC BANK LTD. | Certificate of Deposit | 0.58% | |
| MUTHOOT FINANCE LTD.** | Commercial Paper | 0.58% | |
| AXIS SECURITIES LIMITED** | Commercial Paper | 0.58% | |
| MOTILAL OSWAL FINANCIAL SERVICES LIMITED** | Commercial Paper | 0.58% | |
| ADITYA BIRLA CAPITAL LTD** | Commercial Paper | 0.58% | |
| PUNJAB & SIND BANK** | Certificate of Deposit | 0.58% | |
| ICICI BANK LTD.** | Certificate of Deposit | 0.51% | |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Certificate of Deposit | 0.51% | |
| CANARA BANK** | Certificate of Deposit | 0.51% | |
| INDUSIND BANK LTD.** | Certificate of Deposit | 0.46% | |
| CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD.** | Commercial Paper | 0.46% | |
| MUTHOOT FINCORP LTD.** | Commercial Paper | 0.46% | |
| 182 DAYS TREASURY BILL 21/08/2026 | Treasury Bills | 0.45% | |
| CTBC BANK CO. LTD (CTBC INDIA)** | Certificate of Deposit | 0.44% | |
| ADITYA BIRLA HOUSING FINANCE LTD** | Commercial Paper | 0.44% | |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT** | Certificate of Deposit | 0.43% | |
| MOTILAL OSWAL FINANCIAL SERVICES LIMITED** | Commercial Paper | 0.43% | |
| MUTHOOT FINCORP LTD.** | Commercial Paper | 0.43% | |
| 8.07% Tamil Nadu State Govt - 2026 - Tamil Nadu | Government Securities | 0.42% | |
| TORRENT PHARMACEUTICALS LTD.** | Commercial Paper | 0.41% | |
| TATA CAPITAL LTD.** | Commercial Paper | 0.38% | |
| AXIS BANK LTD.** | Certificate of Deposit | 0.37% | |
| ANGEL ONE LIMITED** | Commercial Paper | 0.36% | |
| 364 DAYS TREASURY BILL 04/06/2026 | Treasury Bills | 0.35% | |
| BIRLA GROUP HOLDING PRIVATE LIMITED** | Commercial Paper | 0.31% | |
| BARCLAYS INVESTMENTS & LOAN (INDIA) PVT. LTD.** | Commercial Paper | 0.31% | |
| 182 DAYS TREASURY BILL 13/08/2026 | Treasury Bills | 0.30% | |
| 364 DAYS TREASURY BILL 10/09/2026 | Treasury Bills | 0.30% | |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Certificate of Deposit | 0.30% | |
| AU SMALL FINANCE BANK LTD.** | Certificate of Deposit | 0.29% | |
| PILANI INVESTMENT AND INDUSTRIES CORPORATION LTD** | Commercial Paper | 0.29% | |
| BIRLA GROUP HOLDING PRIVATE LIMITED** | Commercial Paper | 0.29% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 0.29% | |
| HERO FINCORP LTD.** | Commercial Paper | 0.29% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 0.29% | |
| NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT** | Certificate of Deposit | 0.29% | |
| CREDILA FINANCIAL SERVICES PVT LTD** | Commercial Paper | 0.29% | |
| SBI ALTERNATIVE INVESTMENT FUND | Alternative Investment Fund | 0.29% | |
| NUVAMA WEALTH MANAGEMENT LIMITED** | Commercial Paper | 0.29% | |
| MUTHOOT FINCORP LTD.** | Commercial Paper | 0.29% | |
| 360 ONE PRIME LTD.** | Commercial Paper | 0.22% | |
| NUVAMA WEALTH FINANCE LIMITED** | Commercial Paper | 0.22% | |
| NUVAMA WEALTH AND INVESTMENT LTD** | Commercial Paper | 0.22% | |
| 6.24% Maharashtra State Govt - 2026 - Maharashtra | Government Securities | 0.15% | |
| 182 DAYS TREASURY BILL 21/05/2026 | Treasury Bills | 0.15% | |
| MOTILAL OSWAL FINANCIAL SERVICES LIMITED** | Commercial Paper | 0.15% | |
| FEDERAL BANK LTD.** | Certificate of Deposit | 0.15% | |
| UNION BANK OF INDIA** | Certificate of Deposit | 0.15% | |
| HDFC BANK LTD.** | Certificate of Deposit | 0.15% | |
| MUTHOOT FINANCE LTD.** | Commercial Paper | 0.15% | |
| MUTHOOT FINCORP LTD.** | Commercial Paper | 0.15% | |
| CANARA BANK** | Certificate of Deposit | 0.15% | |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA** | Certificate of Deposit | 0.15% | |
| AXIS BANK LTD. | Certificate of Deposit | 0.07% | |
| 7.4% Madhya Pradesh State Govt - 2026 - Madhya Pradesh | Government Securities | 0.05% | |
| BANK OF BARODA | Certificate of Deposit | 0.03% | |
| 7.04% Gujarat State Govt - 2026 - Gujarat | Government Securities | 0.02% | |
| GS 5.63% CG 12/04/2026 - (STRIPS) | Government Securities | 0.00% | |
| Net Current Assets/(Liabilities) | Cash & Cash Equivalents and Net Assets | -4.37% | |
| Total | 100.00% |
Mr. Deepak Agrawal's career has started from Kotak AMC when he joined the organization in December 2002, where he was initially in Research, Dealing and then moved into Fund Management from November 2006.
RETURNS
It is an Open ended scheme that primarily invests in Money Market.
The investment objective of the Scheme is to generate returns by investing in money market instruments having maturity upto 1 year.
The scheme benchmark is the CRISIL Money Market Index
It is classified as Moderate Risk, suitable for investors with a Moderate risk appetite.
Returns Delivered by the funds are as follows:
1-year: 6.4%
3-year: 7.29%
5-year: 6.33%
Top holdings include names such as:
The NAV is around ₹4,724.78 (approx.) for the Kotak Money Market Fund - Growth.
The fund’s AUM is approximately ₹32,331 Cr.
The expense ratio for the Regular Plan is 0.35.
Nil.
Minimum SIP starts at ₹100.
The minimum lump sum investment is ₹100. 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: Deepak Agrawal, Manu Sharma
This fund is suitable for investors with a Moderate risk tolerance.
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