Debt Liquid Moderate Risk
To provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.
Expert-managed portfolios tailored to your financial goals.
Estimation is based on the past performance
| Liquid | 1M | 3M | 6M | 9M | 1Y | 2Y | 3Y | 4Y | 5Y | 10Y | ALL |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Fund returns | 0.53% | 1.65% | 3.13% | 4.6% | 6.21% | 6.75% | 6.91% | 6.68% | 6.02% | 6.1% | 6.96% |
| Category returns | 0.52% | 1.61% | 3.07% | 4.52% | 6.12% | 6.66% | 6.82% | 6.59% | 5.94% | 5.97% | N/A |
| Absolute returns | 0.49% | 1.67% | 3.15% | 4.63% | 6.15% | 13.83% | 22.08% | 29.8% | 34.29% | 80.78% | 344.64% |
| Rank within category | 7 | 9 | 7 | 7 | 7 | 10 | 9 | 7 | 7 | 4 | N/A |
| Total Schemes in Category | 42 | 42 | 40 | 39 | 37 | 36 | 35 | 35 | 35 | 29 | N/A |
| Liquid | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 7.7% | 6.69% | 7.41% | 6.69% | 4.29% | 3.26% | 4.82% | 7.05% | 7.35% | 6.52% | 2.7% |
| Q1 returns | 2.01% | 1.64% | 1.75% | 1.8% | 1.4% | 0.76% | 0.88% | 1.71% | 1.84% | 1.81% | 1.46% |
| Q2 returns | 2.02% | 1.63% | 1.76% | 1.77% | 1.23% | 0.79% | 0.98% | 1.71% | 1.8% | 1.66% | 1.23% |
| Q3 Returns | 1.79% | 1.63% | 1.81% | 1.61% | 0.83% | 0.8% | 1.27% | 1.7% | 1.78% | 1.43% | N/A |
| Q4 Returns | 1.66% | 1.62% | 1.9% | 1.35% | 0.77% | 0.86% | 1.61% | 1.75% | 1.74% | 1.46% | N/A |
Expense ratio: 0.3%
Inclusive of GST
Exit load
0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL after 7D
| Alpha | 0.0211395 |
| Beta | 0.2818 |
| Sharpe Ratio | 0.206511 |
| Sortino Ratio | 0.0605965 |
| R-Squared | 0.4278 |
| Tracking Error | 0.1335 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.2523 |
| Liquid | 1M | 3M | 6M | 9M | 1Y | 3Y | 5Y | 10Y | ALL | Fund Size (Cr) | Expense Ratio | Sharpe | Risk |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of India Liquid Fund - Regular Plan - Growth | 0.52% | 1.64% | 3.13% | 4.62% | 6.26% | 6.97% | 6.07% | 6.08% | 6.68% | 1,611.37 | 0.08 | 0.36 | Low to Moderate |
| Axis Liquid Fund - Regular Plan - Growth | 0.53% | 1.66% | 3.15% | 4.63% | 6.25% | 6.95% | 6.05% | 6.12% | 6.98% | 30,187.50 | 0.21 | 0.30 | Moderate |
| Franklin India Liquid Fund - Super Institutional - Growth | 0.53% | 1.62% | 3.11% | 4.6% | 6.23% | 6.93% | 6.03% | 6.13% | 7.1% | 2,122.81 | 0.19 | 0.30 | Low to Moderate |
| Canara Robeco Liquid Fund - Regular Plan - Growth | 0.54% | 1.67% | 3.12% | 4.6% | 6.21% | 6.92% | 6.03% | 5.97% | 6.92% | 4,858.34 | 0.15 | 0.28 | Low to Moderate |
| DSP Liquidity Fund - Regular Plan - Growth | 0.53% | 1.66% | 3.14% | 4.61% | 6.24% | 6.92% | 6.01% | 6.05% | 6.91% | 16,866.10 | 0.22 | 0.28 | Low to Moderate |
| Union Liquid Fund - Growth | 0.53% | 1.63% | 3.12% | 4.6% | 6.21% | 6.91% | 6.02% | 5.66% | 6.74% | 5,755.60 | 0.17 | 0.29 | Low to Moderate |
| Invesco India Liquid Fund - Growth | 0.53% | 1.64% | 3.12% | 4.59% | 6.21% | 6.91% | 6.01% | 6.05% | 7.06% | 11,723.20 | 0.22 | 0.27 | Low to Moderate |
| Mahindra Manulife Liquid Fund - Regular Plan - Growth | 0.53% | 1.64% | 3.11% | 4.59% | 6.21% | 6.91% | 6.03% | 0% | 6.08% | 1,012.32 | 0.26 | 0.29 | Moderate |
| Aditya Birla Sun Life Liquid Fund - Growth Current | 0.53% | 1.65% | 3.13% | 4.6% | 6.21% | 6.91% | 6.02% | 6.1% | 6.96% | 43,022.20 | 0.35 | 0.26 | Moderate |
| UTI Liquid Fund - Regular Plan - Growth | 0.52% | 1.66% | 3.13% | 4.61% | 6.23% | 6.91% | 6.02% | 6.08% | 6.84% | 19,763.20 | 0.26 | 0.27 | Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | -8.63% |
| Treasury Bills | 15.19% | |
| Certificate of Deposit | 40.74% | |
| Commercial Paper | 51.03% | |
| Corporate Debt | 1.16% | |
| Alternative Investment Fund | 0.30% | |
| Government Securities | 0.22% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| Reverse Repo | Cash & Cash Equivalents and Net Assets | 5.36% | |
| 91 DAYS T-BILL - 06AUG2026 | Treasury Bills | 4.49% | |
| 91 DAYS T-BILL - 13AUG2026 | Treasury Bills | 3.28% | |
| 91 DAYS T-BILL 04JUN26 | Treasury Bills | 3.16% | |
| Punjab National Bank (17/06/2026) ** # | Certificate of Deposit | 2.57% | |
| RBL Bank Limited (11/06/2026) ** # | Certificate of Deposit | 2.10% | |
| 182 DAYS T-BILL - 23JUL2026 | Treasury Bills | 2.09% | |
| Bank of Baroda (14/08/2026) ** # | Certificate of Deposit | 2.07% | |
| PNB Housing Finance Limited (17/06/2026) ** | Commercial Paper | 2.05% | |
| ICICI Bank Limited (29/06/2026) ** # | Certificate of Deposit | 2.04% | |
| Citibank NA/India (24/06/2026) ** # | Certificate of Deposit | 1.99% | |
| Central Bank of India (10/08/2026) ** # | Certificate of Deposit | 1.87% | |
| IDBI Bank Limited (05/06/2026) ** # | Certificate of Deposit | 1.58% | |
| Bank of Baroda (25/08/2026) ** # | Certificate of Deposit | 1.55% | |
| HDFC Bank Limited (05/06/2026) # | Certificate of Deposit | 1.52% | |
| Small Industries Development Bank of India (09/07/2026) ** | Commercial Paper | 1.51% | |
| IndusInd Bank Limited (04/06/2026) ** # | Certificate of Deposit | 1.47% | |
| National Bank For Agriculture and Rural Development (12/06/2026) ** | Commercial Paper | 1.47% | |
| IndusInd Bank Limited (11/08/2026) ** # | Certificate of Deposit | 1.45% | |
| IndusInd Bank Limited (25/08/2026) ** # | Certificate of Deposit | 1.24% | |
| The Jammu & Kashmir Bank Limited (25/08/2026) ** # | Certificate of Deposit | 1.24% | |
| IIFL Finance Limited (08/06/2026) ** | Commercial Paper | 1.16% | |
| City Union Bank Limited (09/06/2026) ** # | Certificate of Deposit | 1.05% | |
| Export Import Bank of India (10/06/2026) ** | Commercial Paper | 1.05% | |
| JSW Energy Limited (17/06/2026) ** | Commercial Paper | 1.05% | |
| Avenue Supermarts Limited (29/06/2026) ** | Commercial Paper | 1.05% | |
| Canara Bank (01/07/2026) # | Certificate of Deposit | 1.05% | |
| National Bank For Agriculture and Rural Development (01/07/2026) ** | Commercial Paper | 1.05% | |
| Can Fin Homes Limited (17/07/2026) ** | Commercial Paper | 1.04% | |
| National Bank for Financing Infrastructure and Dev (04/08/2026) ** | Commercial Paper | 1.04% | |
| HDFC Bank Limited (06/08/2026) # | Certificate of Deposit | 1.04% | |
| Union Bank of India (07/08/2026) ** # | Certificate of Deposit | 1.04% | |
| IDBI Bank Limited (11/08/2026) ** # | Certificate of Deposit | 1.04% | |
| National Bank For Agriculture and Rural Development (14/08/2026) ** | Commercial Paper | 1.04% | |
| 360 ONE Prime Ltd (04/08/2026) ** | Commercial Paper | 1.04% | |
| Canara Bank (17/08/2026) ** # | Certificate of Deposit | 1.04% | |
| Punjab & Sind Bank (18/08/2026) ** # | Certificate of Deposit | 1.04% | |
| Bank of Baroda (24/08/2026) ** # | Certificate of Deposit | 1.03% | |
| Tata Teleservices Maharashtra Limited (19/06/2026) ** | Commercial Paper | 1.03% | |
| IIFL Finance Limited (19/06/2026) ** | Commercial Paper | 1.00% | |
| IndInfravit Trust (03/06/2026) ** | Commercial Paper | 0.95% | |
| Motilal Oswal Financial Services Limited (04/06/2026) ** | Commercial Paper | 0.84% | |
| JSW Energy Limited (09/06/2026) ** | Commercial Paper | 0.84% | |
| Godrej Finance Ltd (19/06/2026) ** | Commercial Paper | 0.84% | |
| PNB Housing Finance Limited (16/07/2026) ** | Commercial Paper | 0.83% | |
| ONGC Petro Additions Limited (10/08/2026) ** | Commercial Paper | 0.83% | |
| 7.58% National Bank For Agriculture and Rural Development (31/07/2026) ** | Corporate Debt | 0.74% | |
| IndusInd Bank Limited (22/06/2026) ** # | Certificate of Deposit | 0.73% | |
| RBL Bank Limited (24/06/2026) ** # | Certificate of Deposit | 0.73% | |
| Tata Housing Development Company Limited (25/08/2026) ** | Commercial Paper | 0.70% | |
| SBICAP Securities Limited (12/06/2026) ** | Commercial Paper | 0.63% | |
| Kotak Securities Limited (15/06/2026) ** | Commercial Paper | 0.63% | |
| Sharekhan Ltd (15/06/2026) ** | Commercial Paper | 0.63% | |
| Union Bank of India (25/06/2026) # | Certificate of Deposit | 0.63% | |
| CESC Limited (23/06/2026) ** | Commercial Paper | 0.63% | |
| HDFC Bank Limited (01/07/2026) # | Certificate of Deposit | 0.63% | |
| 364 DAYS T-BILL - 06AUG2026 | Treasury Bills | 0.63% | |
| Sikka Ports and Terminals Limited (13/08/2026) ** | Commercial Paper | 0.62% | |
| Hero Fincorp Limited (04/08/2026) ** | Commercial Paper | 0.62% | |
| 364 DAYS T-BILL - 30JUL2026 | Treasury Bills | 0.57% | |
| Union Bank of India (03/06/2026) # | Certificate of Deposit | 0.53% | |
| IIFL Finance Limited (04/06/2026) ** | Commercial Paper | 0.53% | |
| IIFL Finance Limited (05/06/2026) ** | Commercial Paper | 0.53% | |
| Indian Bank (08/06/2026) # | Certificate of Deposit | 0.53% | |
| Central Bank of India (08/06/2026) ** # | Certificate of Deposit | 0.53% | |
| Muthoot Finance Limited (09/06/2026) ** | Commercial Paper | 0.53% | |
| DCB Bank Limited (16/06/2026) ** # | Certificate of Deposit | 0.52% | |
| Manappuram Finance Limited (17/06/2026) ** | Commercial Paper | 0.52% | |
| DSP Investment Managers Pvt Ltd (19/06/2026) ** | Commercial Paper | 0.52% | |
| DSP Investment Managers Pvt Ltd (22/06/2026) ** | Commercial Paper | 0.52% | |
| Bajaj Housing Finance Limited (04/08/2026) ** | Commercial Paper | 0.52% | |
| Tata Capital Housing Finance Limited (06/08/2026) ** | Commercial Paper | 0.52% | |
| Godrej Consumer Products Limited (07/08/2026) ** | Commercial Paper | 0.52% | |
| Can Fin Homes Limited (07/08/2026) ** | Commercial Paper | 0.52% | |
| Godrej & Boyce Manufacturing Co Limited (06/08/2026) ** | Commercial Paper | 0.52% | |
| Axis Bank Limited (10/08/2026) ** # | Certificate of Deposit | 0.52% | |
| Bank of Baroda (12/08/2026) ** # | Certificate of Deposit | 0.52% | |
| Adani Ports and Special Economic Zone Limited (10/08/2026) ** | Commercial Paper | 0.52% | |
| Knowledge Realty Trust (11/08/2026) ** | Commercial Paper | 0.52% | |
| Canara Bank (14/08/2026) # | Certificate of Deposit | 0.52% | |
| Karur Vysya Bank Limited (14/08/2026) ** # | Certificate of Deposit | 0.52% | |
| HDFC Bank Limited (25/08/2026) ** # | Certificate of Deposit | 0.52% | |
| Julius Baer Capital India Private Limited (14/08/2026) ** | Commercial Paper | 0.52% | |
| DCB Bank Limited (18/08/2026) ** # | Certificate of Deposit | 0.52% | |
| Manappuram Finance Limited (17/08/2026) ** | Commercial Paper | 0.52% | |
| Sharekhan Ltd (25/08/2026) ** | Commercial Paper | 0.52% | |
| TATA Realty & Infrastructure Limited (31/08/2026) ** | Commercial Paper | 0.50% | |
| ICICI Home Finance Company Limited (29/06/2026) ** | Commercial Paper | 0.47% | |
| Infina Finance Private Limited (10/08/2026) ** | Commercial Paper | 0.47% | |
| Mashreqbank PSC/India (10/06/2026) ** # | Certificate of Deposit | 0.42% | |
| ICICI Securities Limited (09/06/2026) ** | Commercial Paper | 0.42% | |
| SBICAP Securities Limited (11/06/2026) ** | Commercial Paper | 0.42% | |
| Redington (India) Limited (19/06/2026) ** | Commercial Paper | 0.42% | |
| DBS Bank Ltd/India (25/06/2026) ** # | Certificate of Deposit | 0.42% | |
| 91 DAYS T-BILL - 09JUL2026 | Treasury Bills | 0.42% | |
| IDBI Bank Limited (10/08/2026) ** # | Certificate of Deposit | 0.41% | |
| ICICI Home Finance Company Limited (12/08/2026) ** | Commercial Paper | 0.41% | |
| Fedbank Financial Services Ltd (06/08/2026) ** | Commercial Paper | 0.41% | |
| Bajaj Finance Limited (14/08/2026) ** | Commercial Paper | 0.41% | |
| Kotak Securities Limited (13/08/2026) ** | Commercial Paper | 0.41% | |
| Deutsche Investments India Private Limited (13/08/2026) ** | Commercial Paper | 0.41% | |
| Mirae Asset Capital Markets India Pvt Ltd (13/08/2026) ** | Commercial Paper | 0.41% | |
| DSP Investment Managers Pvt Ltd (13/08/2026) ** | Commercial Paper | 0.41% | |
| DSP Investment Managers Pvt Ltd (14/08/2026) ** | Commercial Paper | 0.41% | |
| ANGEL ONE LIMITED (25/08/2026) ** | Commercial Paper | 0.41% | |
| Deutsche Investments India Private Limited (10/06/2026) ** | Commercial Paper | 0.37% | |
| 182 DAYS T-BILL - 09JULY2026 | Treasury Bills | 0.36% | |
| Small Industries Development Bank of India (03/06/2026) | Commercial Paper | 0.32% | |
| HSBC InvestDirect Financial Services India Ltd (04/06/2026) ** | Commercial Paper | 0.32% | |
| Bajaj Housing Finance Limited (05/06/2026) ** | Commercial Paper | 0.32% | |
| ICICI Securities Limited (05/06/2026) ** | Commercial Paper | 0.32% | |
| GIC Housing Finance Limited (12/06/2026) ** | Commercial Paper | 0.32% | |
| Nuvama Wealth Management Ltd (19/06/2026) ** | Commercial Paper | 0.31% | |
| Godrej Housing Finance Limited (24/06/2026) ** | Commercial Paper | 0.31% | |
| GIC Housing Finance Limited (25/08/2026) ** | Commercial Paper | 0.31% | |
| SBI - Corporate Debt Market Development Fund - A2 Units | Alternative Investment Fund | 0.30% | |
| Standard Chartered Capital Limited (05/06/2026) ** | Commercial Paper | 0.26% | |
| Godrej Properties Limited (11/06/2026) ** | Commercial Paper | 0.26% | |
| Godrej Properties Limited (20/07/2026) ** | Commercial Paper | 0.26% | |
| Godrej Properties Limited (22/07/2026) ** | Commercial Paper | 0.26% | |
| Government of India (09/07/2026) | Government Securities | 0.22% | |
| 7.64% REC Limited (30/06/2026) ** | Corporate Debt | 0.21% | |
| Infina Finance Private Limited (05/06/2026) ** | Commercial Paper | 0.21% | |
| Julius Baer Capital India Private Limited (05/06/2026) ** | Commercial Paper | 0.21% | |
| The Federal Bank Limited (08/06/2026) ** # | Certificate of Deposit | 0.21% | |
| L&T Finance Ltd (09/06/2026) ** | Commercial Paper | 0.21% | |
| Kotak Securities Limited (09/06/2026) ** | Commercial Paper | 0.21% | |
| Nuvama Wealth & Investment Ltd (09/06/2026) ** | Commercial Paper | 0.21% | |
| Sharekhan Ltd (10/06/2026) ** | Commercial Paper | 0.21% | |
| Godrej Properties Limited (12/06/2026) ** | Commercial Paper | 0.21% | |
| Godrej Properties Limited (15/06/2026) ** | Commercial Paper | 0.21% | |
| SBICAP Securities Limited (15/06/2026) ** | Commercial Paper | 0.21% | |
| Cholamandalam Investment and Finance Company Limited (15/06/2026) ** | Commercial Paper | 0.21% | |
| SBICAP Securities Limited (16/06/2026) ** | Commercial Paper | 0.21% | |
| ICICI Home Finance Company Limited (10/07/2026) ** | Commercial Paper | 0.21% | |
| 182 DAYS T-BILL - 30JUL2026 | Treasury Bills | 0.21% | |
| Godrej Properties Limited (16/07/2026) ** | Commercial Paper | 0.21% | |
| Union Bank of India (23/07/2026) ** # | Certificate of Deposit | 0.21% | |
| DSP Investment Managers Pvt Ltd (06/08/2026) ** | Commercial Paper | 0.21% | |
| Nuvama Clearing Services Ltd (05/08/2026) ** | Commercial Paper | 0.21% | |
| Godrej Housing Finance Limited (24/08/2026) ** | Commercial Paper | 0.21% | |
| DSP Investment Managers Pvt Ltd (18/08/2026) ** | Commercial Paper | 0.21% | |
| Tata Housing Development Company Limited (12/08/2026) ** | Commercial Paper | 0.18% | |
| Kotak Mahindra Prime Limited (05/06/2026) ** | Commercial Paper | 0.16% | |
| Barclays Invest & Loans India Limited (05/06/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (18/06/2026) ** | Commercial Paper | 0.16% | |
| Muthoot Finance Limited (17/06/2026) ** | Commercial Paper | 0.16% | |
| Cholamandalam Securities Ltd (17/06/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (22/06/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (23/06/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (09/07/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (13/07/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (13/08/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (14/08/2026) ** | Commercial Paper | 0.16% | |
| Godrej Industries Limited (17/08/2026) ** | Commercial Paper | 0.16% | |
| 7.75% Mindspace Business Parks REIT (30/06/2026) ** | Corporate Debt | 0.11% | |
| Motilal Oswal Financial Services Limited (17/06/2026) ** | Commercial Paper | 0.10% | |
| Godrej Industries Limited (08/07/2026) ** | Commercial Paper | 0.10% | |
| Hero Housing Finance Ltd (15/07/2026) ** | Commercial Paper | 0.10% | |
| Hero Housing Finance Ltd (20/07/2026) ** | Commercial Paper | 0.10% | |
| HDFC Bank Limited (05/08/2026) ** # | Certificate of Deposit | 0.10% | |
| IDBI Capital Markets & Securities Ltd (11/08/2026) ** | Commercial Paper | 0.08% | |
| Cholamandalam Securities Ltd (17/08/2026) ** | Commercial Paper | 0.08% | |
| 8.75% Shriram Finance Ltd (15/06/2026) ** | Corporate Debt | 0.05% | |
| 6.35% Power Finance Corporation Limited (30/06/2026) ** | Corporate Debt | 0.05% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | -13.99% | |
| Total | 100.00% |
Mr. Sanjay is associated with Aditya Birla Sun Life AMC Limited (“ABSLAMC”) since 2005. He has an experience of more than 16 years in dealing activities in the debt segment. He has also worked for around 5 years in back office/settlement function of ABSLAMC.
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
To provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.
The scheme benchmark is the Nifty Liquid Fund 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: 6.15%
3-year: 6.87%
5-year: 6.07%
Top holdings include names such as:
The NAV is around ₹444.70 (approx.) for the Aditya Birla Sun Life Liquid Fund - Growth.
The fund’s AUM is approximately ₹47,520 Cr.
The expense ratio for the Regular Plan is 0.3.
0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL after 7D.
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: Kaustubh Gupta, Sunaina da Cunha, Sanjay Pawar
This fund is suitable for investors with a Moderate risk tolerance.
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