Debt Liquid Low to Moderate Risk
The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns.
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 | 0.52% | 1.64% | 3.13% | 4.62% | 6.26% | 6.8% | 6.97% | 6.73% | 6.07% | 6.08% | 6.68% |
| 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 | 0.5% | 1.66% | 3.16% | 4.65% | 6.19% | 13.94% | 22.3% | 30.03% | 34.6% | 80.44% | 217.91% |
| Rank within category | 18 | 17 | 4 | 4 | 1 | 1 | 1 | 1 | 1 | 6 | 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 | 7.64% | 6.67% | 7.43% | 6.43% | 4.11% | 3.26% | 4.92% | 7.05% | 7.44% | 6.57% | 2.73% |
| Q1 returns | 1.98% | 1.63% | 1.77% | 1.78% | 1.33% | 0.77% | 0.89% | 1.65% | 1.87% | 1.81% | 1.48% |
| Q2 returns | 1.97% | 1.62% | 1.77% | 1.72% | 1.17% | 0.78% | 1.02% | 1.74% | 1.81% | 1.68% | 1.23% |
| Q3 Returns | 1.8% | 1.64% | 1.81% | 1.47% | 0.78% | 0.79% | 1.29% | 1.72% | 1.8% | 1.44% | N/A |
| Q4 Returns | 1.68% | 1.61% | 1.88% | 1.3% | 0.77% | 0.88% | 1.64% | 1.77% | 1.76% | 1.48% | N/A |
Expense ratio: 0.12%
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 | 0.0088631 |
| Beta | 1.0787 |
| Sharpe Ratio | 0.295552 |
| Sortino Ratio | 0.082424 |
| R-Squared | 0.898 |
| Tracking Error | 0.0223 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.2385 |
| 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 Current | 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 | 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 % |
|---|---|---|
|
|
Treasury Bills | 20.34% |
| Certificate of Deposit | 34.59% | |
| Commercial Paper | 44.22% | |
| Cash & Cash Equivalents and Net Assets | 0.53% | |
| Alternative Investment Fund | 0.32% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| 91 Days Tbill (MD 06/08/2026) | Treasury Bills | 5.76% | |
| 91 Days Tbill (MD 28/08/2026) | Treasury Bills | 5.74% | |
| Punjab National Bank (09/06/2026) # | Certificate of Deposit | 4.35% | |
| Godrej Consumer Products Limited (15/06/2026) ** | Commercial Paper | 4.35% | |
| 182 Days Tbill (MD 26/06/2026) | Treasury Bills | 4.35% | |
| Reliance Industries Limited (23/06/2026) ** | Commercial Paper | 4.34% | |
| 91 Days Tbill (MD 09/07/2026) | Treasury Bills | 4.34% | |
| Bank of Baroda (24/08/2026) ** # | Certificate of Deposit | 4.29% | |
| Axis Bank Limited (25/08/2026) ** # | Certificate of Deposit | 4.29% | |
| NTPC Limited (24/06/2026) ** | Commercial Paper | 3.76% | |
| Union Bank of India (10/06/2026) ** # | Certificate of Deposit | 2.90% | |
| HDFC Bank Limited (10/06/2026) # | Certificate of Deposit | 2.90% | |
| REC Limited (10/06/2026) ** | Commercial Paper | 2.90% | |
| Canara Bank (12/06/2026) ** # | Certificate of Deposit | 2.90% | |
| Axis Bank Limited (12/06/2026) ** # | Certificate of Deposit | 2.90% | |
| Reliance Retail Ventures Limited (15/06/2026) ** | Commercial Paper | 2.90% | |
| Bajaj Finance Limited (18/06/2026) ** | Commercial Paper | 2.90% | |
| ICICI Sec Primary Dealership Limited (19/06/2026) ** | Commercial Paper | 2.90% | |
| Union Bank of India (25/06/2026) # | Certificate of Deposit | 2.90% | |
| Power Finance Corporation Limited (25/06/2026) | Commercial Paper | 2.90% | |
| Godrej Finance Limited (22/06/2026) ** | Commercial Paper | 2.89% | |
| Canara Bank (14/08/2026) # | Certificate of Deposit | 2.87% | |
| HDFC Securities Limited (11/08/2026) ** | Commercial Paper | 2.86% | |
| HDFC Bank Limited (24/08/2026) ** # | Certificate of Deposit | 2.86% | |
| Bajaj Financial Securities Limited (18/08/2026) ** | Commercial Paper | 2.86% | |
| Kotak Securities Limited (20/08/2026) ** | Commercial Paper | 2.86% | |
| ICICI Securities Limited (05/06/2026) ** | Commercial Paper | 1.45% | |
| Aditya Birla Housing Finance Limited (08/06/2026) ** | Commercial Paper | 1.45% | |
| ICICI Securities Limited (23/06/2026) ** | Commercial Paper | 1.45% | |
| ICICI Home Finance Company Limited (29/06/2026) ** | Commercial Paper | 1.45% | |
| HDFC Bank Limited (10/08/2026) # | Certificate of Deposit | 1.43% | |
| REPO | Cash & Cash Equivalents and Net Assets | 0.34% | |
| Corporate Debt Market Development Fund # | Alternative Investment Fund | 0.32% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | 0.19% | |
| 364 Days Tbill (MD 04/06/2026) | Treasury Bills | 0.16% | |
| TREPS | Cash & Cash Equivalents and Net Assets | 0.00% | |
| Total | 100.00% |
Over 13 years of experience in Fixed Income market domain, Investment strategy development, Trade idea generation, Trade execution, Cash Management, Fixed Income portfolio monitoring, Cash flow verification.
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns.
The scheme benchmark is the CRISIL Liquid Debt 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: 6.2%
3-year: 6.94%
5-year: 6.12%
Top holdings include names such as:
The NAV is around ₹3,180.16 (approx.) for the Bank of India Liquid Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹1,720 Cr.
The expense ratio for the Regular Plan is 0.12.
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 ₹1000.
The minimum lump sum investment is ₹5000. 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 manager: Mithraem Bharucha
This fund is suitable for investors with a Low to Moderate risk tolerance.
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