Debt Liquid Low to Moderate Risk Fund Managers: Siddharth Chaudhary, Nimesh Chandan
Debt Liquid Low to Moderate Risk
To provide a level of income consistent with the objectives of preservation of capital, lower risk and high liquidity through investments made primarily in money market and debt securities with maturity of up to 91 days only.
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 | 0.63% | 1.55% | 3% | 4.43% | 6.08% | 6.66% | 0% | 0% | 0% | 0% | 6.81% |
| Category returns | 0.64% | 1.57% | 3.03% | 4.48% | 6.12% | 6.69% | 6.83% | 6.53% | 5.89% | 5.99% | N/A |
| Absolute returns | 0.63% | 1.55% | 3% | 4.43% | 6.08% | 13.77% | 0% | 0% | 0% | 0% | 19.92% |
| Rank within category | 33 | 35 | 31 | 31 | 29 | 26 | 36 | 36 | 35 | 30 | N/A |
| Total Schemes in Category | 42 | 42 | 39 | 39 | 37 | 36 | 35 | 35 | 34 | 29 | N/A |
| Liquid | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Yearly returns | N/A | 7.3% | 6.4% | 1.65% |
| Q1 returns | N/A | 1.83% | 1.78% | 1.43% |
| Q2 returns | N/A | 1.78% | 1.64% | 0.22% |
| Q3 Returns | N/A | 1.77% | 1.4% | N/A |
| Q4 Returns | 1.75% | 1.72% | 1.43% | N/A |
Expense ratio: 0.28%
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 on or after 7D
| Alpha | 0.00932424 |
| Beta | 0.3188 |
| Sharpe Ratio | 0.0963174 |
| Sortino Ratio | 0.0267749 |
| R-Squared | 0.6035 |
| Tracking Error | 0.1187 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.2315 |
| 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 | 0.65% | 1.61% | 3.1% | 4.57% | 6.26% | 6.98% | 6.02% | 6.09% | 6.68% | 1,611.37 | 0.13 | 0.35 | Low to Moderate |
| Axis Liquid Fund - Regular Plan - Growth | 0.67% | 1.62% | 3.11% | 4.57% | 6.25% | 6.95% | 6% | 6.13% | 6.98% | 30,187.50 | 0.21 | 0.29 | Low to Moderate |
| Franklin India Liquid Fund - Super Institutional - Growth | 0.64% | 1.58% | 3.07% | 4.55% | 6.24% | 6.94% | 5.98% | 6.15% | 7.11% | 2,122.81 | 0.19 | 0.28 | Low to Moderate |
| Canara Robeco Liquid Fund - Regular Plan - Growth | 0.66% | 1.6% | 3.07% | 4.53% | 6.2% | 6.93% | 5.97% | 5.98% | 6.92% | 4,858.34 | 0.15 | 0.27 | Low to Moderate |
| DSP Liquidity Fund - Regular Plan - Growth | 0.65% | 1.61% | 3.09% | 4.55% | 6.24% | 6.92% | 5.96% | 6.07% | 6.91% | 16,866.10 | 0.22 | 0.26 | Low to Moderate |
| Mahindra Manulife Liquid Fund - Regular Plan - Growth | 0.64% | 1.59% | 3.08% | 4.54% | 6.21% | 6.92% | 5.98% | 0% | 6.07% | 1,012.32 | 0.26 | 0.28 | Moderate |
| Union Liquid Fund - Growth | 0.64% | 1.59% | 3.07% | 4.54% | 6.2% | 6.92% | 5.97% | 5.67% | 6.74% | 5,755.60 | 0.17 | 0.28 | Low to Moderate |
| Invesco India Liquid Fund - Growth | 0.67% | 1.61% | 3.08% | 4.54% | 6.21% | 6.92% | 5.96% | 6.07% | 7.06% | 11,723.20 | 0.22 | 0.25 | Low to Moderate |
| Aditya Birla Sun Life Liquid Fund - Growth | 0.65% | 1.6% | 3.07% | 4.53% | 6.21% | 6.92% | 5.97% | 6.11% | 6.96% | 43,022.20 | 0.35 | 0.25 | Moderate |
| Bajaj Finserv Liquid Fund - Regular Plan - Growth Current | 0.63% | 1.55% | 3% | 4.43% | 6.08% | 0% | 0% | 0% | 6.81% | 3,178.50 | 0.28 | 0.10 | Low to Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Treasury Bills | 12.63% |
| Certificate of Deposit | 45.05% | |
| Commercial Paper | 48.91% | |
| Corporate Debt | 4.14% | |
| Alternative Investment Fund | 0.47% | |
| Cash & Cash Equivalents and Net Assets | -11.21% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 91 Days Tbill (MD 28/05/2026) | Treasury Bills | 4.68% | |
| 91 Days Tbill (MD 11/06/2026) | Treasury Bills | 4.67% | |
| Indian Bank (12/06/2026) ** | Certificate of Deposit | 3.88% | |
| ONGC Petro Additions Limited (13/05/2026) ** | Commercial Paper | 3.12% | |
| Bank of India (19/05/2026) ** | Certificate of Deposit | 3.11% | |
| Reliance Retail Ventures Limited (22/05/2026) ** | Commercial Paper | 3.11% | |
| Canara Bank (27/05/2026) ** | Certificate of Deposit | 3.11% | |
| Union Bank of India (01/06/2026) ** | Certificate of Deposit | 3.11% | |
| Canara Bank (29/05/2026) ** | Certificate of Deposit | 3.11% | |
| National Bank For Agriculture and Rural Development (09/06/2026) ** | Commercial Paper | 3.10% | |
| Punjab National Bank (12/06/2026) ** | Certificate of Deposit | 3.10% | |
| National Bank For Agriculture and Rural Development (15/06/2026) ** | Commercial Paper | 3.10% | |
| SBICAP Securities Limited (17/06/2026) ** | Commercial Paper | 3.09% | |
| Cholamandalam Investment and Finance Company Ltd (20/05/2026) ** | Commercial Paper | 2.33% | |
| Bank of Baroda (25/05/2026) | Certificate of Deposit | 2.33% | |
| ICICI Securities Limited (22/05/2026) ** | Commercial Paper | 2.33% | |
| Union Bank of India (26/05/2026) ** | Certificate of Deposit | 2.33% | |
| Export Import Bank of India (27/05/2026) ** | Commercial Paper | 2.33% | |
| Export Import Bank of India (28/05/2026) ** | Certificate of Deposit | 2.33% | |
| Union Bank of India (03/06/2026) ** | Certificate of Deposit | 2.33% | |
| HDFC Bank Limited (04/06/2026) ** | Certificate of Deposit | 2.33% | |
| Small Industries Dev Bank of India (03/06/2026) ** | Commercial Paper | 2.33% | |
| L&T Finance Limited (02/06/2026) ** | Commercial Paper | 2.33% | |
| HDB Financial Services Limited (29/05/2026) ** | Commercial Paper | 2.33% | |
| Bank of Baroda (17/06/2026) ** | Certificate of Deposit | 2.32% | |
| L&T Finance Limited (17/06/2026) ** | Commercial Paper | 2.32% | |
| 364 Days Tbill (MD 01/05/2026) | Treasury Bills | 1.72% | |
| 7.78% Bajaj Housing Finance Limited (26/05/2026) ** | Corporate Debt | 1.57% | |
| 6.48% Sundaram Finance Limited (15/05/2026) ** | Corporate Debt | 1.57% | |
| ICICI Home Finance Company Limited (12/05/2026) ** | Commercial Paper | 1.56% | |
| Kotak Mahindra Bank Limited (18/05/2026) | Certificate of Deposit | 1.56% | |
| National Bank For Agriculture and Rural Development (18/05/2026) ** | Commercial Paper | 1.56% | |
| HDFC Bank Limited (19/05/2026) | Certificate of Deposit | 1.56% | |
| Small Industries Dev Bank of India (20/05/2026) ** | Certificate of Deposit | 1.56% | |
| Bank of India (20/05/2026) | Certificate of Deposit | 1.56% | |
| Kotak Securities Limited (19/05/2026) ** | Commercial Paper | 1.56% | |
| Aditya Birla Capital Limited (22/05/2026) ** | Commercial Paper | 1.55% | |
| Kotak Mahindra Bank Limited (25/05/2026) ** | Certificate of Deposit | 1.55% | |
| Axis Bank Limited (25/05/2026) ** | Certificate of Deposit | 1.55% | |
| Standard Chartered Capital Limited (26/05/2026) ** | Commercial Paper | 1.55% | |
| Export Import Bank of India (05/06/2026) ** | Commercial Paper | 1.55% | |
| Reliance Retail Ventures Limited (08/06/2026) ** | Commercial Paper | 1.55% | |
| ICICI Securities Limited (09/06/2026) ** | Commercial Paper | 1.55% | |
| HDFC Securities Limited (09/06/2026) ** | Commercial Paper | 1.55% | |
| Barclays Investments & Loans (India) Private Limited (12/06/2026) ** | Commercial Paper | 1.55% | |
| Union Bank of India (19/06/2026) ** | Certificate of Deposit | 1.55% | |
| Kotak Mahindra Investments Limited (19/05/2026) (ZCB) ** | Corporate Debt | 1.00% | |
| 182 Days Tbill (MD 04/06/2026) | Treasury Bills | 0.78% | |
| L&T Finance Limited (27/05/2026) ** | Commercial Paper | 0.78% | |
| Cholamandalam Investment and Finance Company Ltd (26/05/2026) ** | Commercial Paper | 0.78% | |
| Axis Bank Limited (11/06/2026) | Certificate of Deposit | 0.78% | |
| 182 Days Tbill (MD 30/04/2026) | Treasury Bills | 0.63% | |
| SBI - Corporate Debt Market Development Fund (CDMDF) - Class A2 | Alternative Investment Fund | 0.47% | |
| 91 Days Tbill (MD 22/05/2026) | Treasury Bills | 0.09% | |
| 91 Days Tbill (MD 30/04/2026) | Treasury Bills | 0.06% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | -11.21% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
To provide a level of income consistent with the objectives of preservation of capital, lower risk and high liquidity through investments made primarily in money market and debt securities with maturity of up to 91 days only.
The scheme benchmark is the Nifty Liquid Fund 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: 6.08%
3-year: 0%
5-year: 0%
Top holdings include names such as:
The NAV is around ₹1,199.39 (approx.) for the Bajaj Finserv Liquid Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹3,179 Cr.
The expense ratio for the Regular Plan is 0.28.
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 on or 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: Siddharth Chaudhary, Nimesh Chandan
This fund is suitable for investors with a Low to Moderate risk tolerance.
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