Debt Liquid Low to Moderate Risk
To provide reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved.
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% | 1.63% | 3.12% | 4.6% | 6.21% | 6.74% | 6.91% | 6.68% | 6.02% | 5.66% | 6.74% |
| 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% | 3.15% | 4.63% | 6.15% | 13.83% | 22.11% | 29.8% | 34.3% | 73.42% | 165.51% |
| Rank within category | 5 | 24 | 11 | 9 | 10 | 11 | 6 | 6 | 6 | 28 | 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 | 7.44% | 6.47% | 3.61% | 6.39% | 4.31% | 3.28% | 4.84% | 7.05% | 7.35% | 6.52% | 2.72% |
| Q1 returns | 1.93% | 1.59% | 1.72% | 1.7% | 1.48% | 0.78% | 0.87% | 1.67% | 1.84% | 1.81% | 1.46% |
| Q2 returns | 1.93% | 1.57% | 1.78% | 1.73% | 1.18% | 0.8% | 0.99% | 1.72% | 1.79% | 1.65% | 1.25% |
| Q3 Returns | 1.74% | 1.59% | -1.66% | 1.5% | 0.81% | 0.82% | 1.27% | 1.71% | 1.78% | 1.43% | N/A |
| Q4 Returns | 1.63% | 1.57% | 1.76% | 1.32% | 0.78% | 0.84% | 1.62% | 1.76% | 1.75% | 1.47% | N/A |
Expense ratio: 0.15%
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 | 0.00453431 |
| Beta | 1.0626 |
| Sharpe Ratio | 0.23217 |
| Sortino Ratio | 0.0648934 |
| R-Squared | 0.8879 |
| Tracking Error | 0.023 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.2362 |
| 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 Current | 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 % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | 5.18% |
| Treasury Bills | 14.03% | |
| Certificate of Deposit | 31.39% | |
| Commercial Paper | 46.09% | |
| Corporate Debt | 2.56% | |
| Government Securities | 0.57% | |
| Alternative Investment Fund | 0.18% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| TREPS | Cash & Cash Equivalents and Net Assets | 4.94% | |
| 91 Day Treasury Bills | Treasury Bills | 2.82% | |
| 91 Day Treasury Bills | Treasury Bills | 2.81% | |
| 91 Day Treasury Bills | Treasury Bills | 2.56% | |
| ICICI Bank Ltd.** | Certificate of Deposit | 2.55% | |
| Export-Import Bank of India | Commercial Paper | 2.28% | |
| Axis Bank Ltd.** | Certificate of Deposit | 2.27% | |
| Redington Ltd.** | Commercial Paper | 2.27% | |
| 91 Day Treasury Bills | Treasury Bills | 2.25% | |
| Bank of Baroda** | Certificate of Deposit | 2.24% | |
| Axis Bank Ltd.** | Certificate of Deposit | 1.99% | |
| HDFC Bank Ltd.** | Certificate of Deposit | 1.99% | |
| Reliance Retail Ventures Ltd.** | Commercial Paper | 1.70% | |
| Jamnagar Utilities & Power Pvt. Ltd.** | Commercial Paper | 1.68% | |
| Can Fin Homes Ltd.** | Commercial Paper | 1.68% | |
| REC Ltd.** | Commercial Paper | 1.42% | |
| Punjab National Bank** | Certificate of Deposit | 1.42% | |
| HDFC Securities Ltd. | Commercial Paper | 1.14% | |
| Tata Steel Ltd.** | Commercial Paper | 1.14% | |
| National Bank for Agriculture and Rural Development** | Corporate Debt | 1.14% | |
| Punjab National Bank** | Certificate of Deposit | 1.14% | |
| Alembic Pharmaceuticals Ltd.** | Commercial Paper | 1.14% | |
| 182 Day Treasury Bills | Treasury Bills | 1.14% | |
| SBICAP Securities Ltd.** | Commercial Paper | 1.14% | |
| HDFC Bank Ltd. | Certificate of Deposit | 1.14% | |
| Indian Oil Corporation Ltd.** | Commercial Paper | 1.14% | |
| ICICI Securities Ltd.** | Commercial Paper | 1.14% | |
| Bank of Baroda | Certificate of Deposit | 1.14% | |
| The Ramco Cements Ltd.** | Commercial Paper | 1.14% | |
| SBICAP Securities Ltd.** | Commercial Paper | 1.14% | |
| Reliance Retail Ventures Ltd.** | Commercial Paper | 1.14% | |
| Muthoot Finance Ltd.** | Commercial Paper | 1.14% | |
| Bank of India** | Certificate of Deposit | 1.13% | |
| 91 Day Treasury Bills | Treasury Bills | 1.13% | |
| Sikka Ports & Terminals Ltd.** | Commercial Paper | 1.13% | |
| IDFC First Bank Ltd.** | Certificate of Deposit | 1.13% | |
| Canara Bank** | Certificate of Deposit | 1.12% | |
| Bank of Baroda** | Certificate of Deposit | 1.12% | |
| National Bank for Agriculture and Rural Development** | Commercial Paper | 1.12% | |
| Axis Bank Ltd.** | Certificate of Deposit | 1.12% | |
| HDFC Bank Ltd.** | Certificate of Deposit | 1.12% | |
| Cholamandalam Investment & Finance Co. Ltd.** | Commercial Paper | 1.12% | |
| HDFC Securities Ltd.** | Commercial Paper | 1.12% | |
| Kotak Securities Ltd.** | Commercial Paper | 1.12% | |
| Kotak Securities Ltd.** | Commercial Paper | 1.12% | |
| Indian Bank** | Certificate of Deposit | 0.85% | |
| Godrej Industries Ltd.** | Commercial Paper | 0.85% | |
| 91 Day Treasury Bills | Treasury Bills | 0.85% | |
| Indian Bank** | Certificate of Deposit | 0.85% | |
| National Bank for Agriculture and Rural Development** | Commercial Paper | 0.85% | |
| Bank of Baroda | Certificate of Deposit | 0.85% | |
| Cholamandalam Investment & Finance Co. Ltd.** | Commercial Paper | 0.85% | |
| Canara Bank** | Certificate of Deposit | 0.85% | |
| Punjab National Bank** | Certificate of Deposit | 0.85% | |
| Aditya Birla Capital Ltd.** | Commercial Paper | 0.84% | |
| Godrej Industries Ltd.** | Commercial Paper | 0.84% | |
| State Government of Tamil Nadu 8.07% 2026 | Government Securities | 0.57% | |
| Kotak Securities Ltd. | Commercial Paper | 0.57% | |
| L&T Finance Ltd.** | Commercial Paper | 0.57% | |
| Small Industries Development Bank of India | Commercial Paper | 0.57% | |
| Kotak Securities Ltd. | Commercial Paper | 0.57% | |
| Bank of Baroda** | Certificate of Deposit | 0.57% | |
| National Bank for Agriculture and Rural Development** | Commercial Paper | 0.57% | |
| HDFC Bank Ltd. | Certificate of Deposit | 0.57% | |
| SMFG India Credit Company Ltd.** | Corporate Debt | 0.57% | |
| Export-Import Bank of India** | Commercial Paper | 0.57% | |
| ICICI Securities Ltd.** | Commercial Paper | 0.57% | |
| Canara Bank** | Certificate of Deposit | 0.57% | |
| Axis Securities Ltd.** | Commercial Paper | 0.57% | |
| Godrej Industries Ltd.** | Commercial Paper | 0.57% | |
| Godrej Properties Ltd.** | Commercial Paper | 0.57% | |
| Hindustan Petroleum Corporation Ltd.** | Commercial Paper | 0.57% | |
| Small Industries Development Bank of India** | Commercial Paper | 0.57% | |
| Small Industries Development Bank of India** | Commercial Paper | 0.57% | |
| Godrej Properties Ltd.** | Commercial Paper | 0.57% | |
| Bank of Baroda** | Certificate of Deposit | 0.56% | |
| Bank of Baroda** | Certificate of Deposit | 0.56% | |
| Infina Finance Pvt. Ltd.** | Commercial Paper | 0.56% | |
| Axis Bank Ltd.** | Certificate of Deposit | 0.56% | |
| Canara Bank | Certificate of Deposit | 0.56% | |
| Axis Securities Ltd.** | Commercial Paper | 0.56% | |
| Axis Securities Ltd.** | Commercial Paper | 0.56% | |
| Kotak Securities Ltd.** | Commercial Paper | 0.56% | |
| HDFC Securities Ltd.** | Commercial Paper | 0.56% | |
| Infina Finance Pvt. Ltd.** | Commercial Paper | 0.56% | |
| ICICI Securities Ltd.** | Commercial Paper | 0.56% | |
| 91 Day Treasury Bills | Treasury Bills | 0.45% | |
| LIC Housing Finance Ltd.** | Corporate Debt | 0.28% | |
| Kotak Mahindra Prime Ltd.** | Corporate Debt | 0.28% | |
| Canara Bank** | Certificate of Deposit | 0.28% | |
| Bank of Baroda | Certificate of Deposit | 0.28% | |
| Power Finance Corporation Ltd.** | Corporate Debt | 0.28% | |
| National Bank for Agriculture and Rural Development** | Commercial Paper | 0.28% | |
| PNB Housing Finance Ltd.** | Commercial Paper | 0.28% | |
| ICICI Securities Ltd.** | Commercial Paper | 0.28% | |
| Net Receivable / Payable | Cash & Cash Equivalents and Net Assets | 0.24% | |
| Corporate Debt Mkt Devp. Fund-A2 | Alternative Investment Fund | 0.18% | |
| 91 Day Treasury Bills | Treasury Bills | 0.01% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
To provide reasonable returns commensurate with lower risk and high level of liquidity through a portfolio of money market and debt securities. However, there can be no assurance that the investment objective of the scheme will be achieved.
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: 6.16%
3-year: 6.88%
5-year: 6.08%
Top holdings include names such as:
The NAV is around ₹2,656.40 (approx.) for the Union Liquid Fund - Growth.
The fund’s AUM is approximately ₹8,782 Cr.
The expense ratio for the Regular Plan is 0.15.
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 managers: Devesh Thacker, Parijat Agrawal
This fund is suitable for investors with a Low to Moderate risk tolerance.
Get personalized Portfolio Management Services designed to grow and protect your wealth.
ChatGPT
Claude
Perplexity
