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Dono ka farq, redemption ki speed, aur inka sahi upyog
Published by The Retail Trader · JUL 27, 2026 · Mutual Funds & AMC
Kuch paisa hamesha aisa hota hai jise abhi kahin lagana nahi hai par jo idle bhi nahi rehna chahiye. Ye do categories usi kaam ke liye bani hain.
Overnight fund sirf ek din ki maturity wale instruments mein invest karta hai. Iska matlab hai lagbhag na duration risk, na credit risk.
Liquid fund thodi lambi maturity tak jaata hai. Uska return aam taur par thoda zyada hota hai, aur uske saath thoda zyada risk bhi.
Ye funds in kaamon ke liye practical hain:
• Emergency fund ka wo hissa jo turant nahi chahiye.
• Ek badi rakam ko dheere dheere equity mein le jaana, STP ke through.
• Kuch mahinon baad hone wale kharche ke liye paisa rakhna.
• Redemption aksar ek working day mein aata hai, aur kai schemes mein instant window bhi hoti hai ek limit tak.
In funds ka kaam return nahi, availability hai. Inhe compare karte waqt ek do basis point ke farq ke peeche bhaagna poore point ko miss karna hai — sabse zaroori cheez ye hai ki paisa jab chahiye tab mil jaaye.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.