Debt Liquid Low to Moderate Risk Fund Manager: Amit Sharma
Debt Liquid Low to Moderate Risk
The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any 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% | 1.47% | 2.95% | 4.42% | 6.16% | 6.73% | 6.88% | 6.58% | 5.93% | 6.09% | 6.84% |
| Category returns | 0.5% | 1.43% | 2.9% | 4.35% | 6.06% | 6.65% | 6.8% | 6.49% | 5.85% | 5.98% | N/A |
| Absolute returns | 0.52% | 1.47% | 2.95% | 4.42% | 6.16% | 13.92% | 22.11% | 29.05% | 33.42% | 80.61% | 337.62% |
| Rank within category | 3 | 6 | 6 | 7 | 7 | 8 | 9 | 8 | 7 | 5 | N/A |
| Total Schemes in Category | 42 | 42 | 39 | 38 | 37 | 36 | 35 | 35 | 34 | 29 | N/A |
| Liquid | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Yearly returns | 7.66% | 6.67% | 7.44% | 6.63% | 4.18% | 3.28% | 4.83% | 7.03% | 7.33% | 6.53% | 1.64% |
| Q1 returns | 2.01% | 1.64% | 1.75% | 1.82% | 1.36% | 0.77% | 0.88% | 1.69% | 1.84% | 1.82% | 1.47% |
| Q2 returns | 1.96% | 1.63% | 1.77% | 1.77% | 1.16% | 0.8% | 0.98% | 1.71% | 1.79% | 1.66% | 0.17% |
| Q3 Returns | 1.79% | 1.63% | 1.82% | 1.53% | 0.81% | 0.81% | 1.29% | 1.71% | 1.77% | 1.44% | N/A |
| Q4 Returns | 1.68% | 1.61% | 1.9% | 1.35% | 0.78% | 0.86% | 1.6% | 1.75% | 1.74% | 1.46% | N/A |
Expense ratio: 0.24%
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 | 0.0152689 |
| Beta | 0.3172 |
| Sharpe Ratio | 0.259384 |
| Sortino Ratio | 0.0672553 |
| R-Squared | 0.6274 |
| Tracking Error | 0.1177 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.225 |
| 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% | 1.48% | 2.98% | 4.47% | 6.23% | 6.95% | 5.99% | 6.09% | 6.67% | 1,914.91 | 0.13 | 0.35 | Low to Moderate |
| Axis Liquid Fund - Regular Plan - Growth | 0.51% | 1.47% | 2.95% | 4.43% | 6.17% | 6.91% | 5.96% | 6.12% | 6.97% | 43,636.30 | 0.21 | 0.30 | Low to Moderate |
| Franklin India Liquid Fund - Super Institutional - Growth | 0.5% | 1.45% | 2.94% | 4.43% | 6.2% | 6.91% | 5.94% | 6.14% | 7.1% | 3,317.83 | 0.19 | 0.28 | Low to Moderate |
| Canara Robeco Liquid Fund - Regular Plan - Growth | 0.51% | 1.45% | 2.93% | 4.4% | 6.15% | 6.89% | 5.94% | 5.97% | 6.91% | 7,456.90 | 0.15 | 0.27 | Low to Moderate |
| Union Liquid Fund - Growth | 0.5% | 1.46% | 2.95% | 4.42% | 6.15% | 6.89% | 5.94% | 5.66% | 6.73% | 7,923.43 | 0.17 | 0.28 | Low to Moderate |
| DSP Liquidity Fund - Regular Plan - Growth | 0.52% | 1.48% | 2.96% | 4.43% | 6.17% | 6.89% | 5.92% | 6.06% | 6.9% | 21,057.90 | 0.22 | 0.27 | Low to Moderate |
| Mahindra Manulife Liquid Fund - Regular Plan - Growth | 0.5% | 1.45% | 2.94% | 4.41% | 6.14% | 6.88% | 5.94% | 0% | 6.06% | 1,144.71 | 0.26 | 0.28 | Moderate |
| Invesco India Liquid Fund - Growth | 0.5% | 1.45% | 2.93% | 4.39% | 6.14% | 6.88% | 5.92% | 6.06% | 7.05% | 15,423.30 | 0.22 | 0.25 | Low to Moderate |
| UTI Liquid Fund - Regular Plan - Growth Current | 0.52% | 1.47% | 2.95% | 4.42% | 6.16% | 6.88% | 5.93% | 6.09% | 6.84% | 27,263.40 | 0.24 | 0.26 | Low to Moderate |
| Aditya Birla Sun Life Liquid Fund - Growth | 0.5% | 1.46% | 2.93% | 4.4% | 6.14% | 6.88% | 5.93% | 6.11% | 6.95% | 51,838.20 | 0.35 | 0.26 | Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Cash & Cash Equivalents and Net Assets | 6.81% |
| Treasury Bills | 11.82% | |
| Certificate of Deposit | 39.37% | |
| Commercial Paper | 38.88% | |
| Corporate Debt | 2.79% | |
| Alternative Investment Fund | 0.25% | |
| Deposits (Placed as Margin) | 0.05% | |
| Government Securities | 0.02% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| NET CURRENT ASSETS | Cash & Cash Equivalents and Net Assets | 6.81% | |
| 91 DAYS T-BILL - 19/03/2026 | Treasury Bills | 3.29% | |
| CD - BANK OF INDIA - 05/03/2026 | Certificate of Deposit | 2.93% | |
| 91 DAYS T-BILL - 30/04/2026 | Treasury Bills | 2.91% | |
| CD - UNION BANK OF INDIA - 06/03/2026 | Certificate of Deposit | 2.75% | |
| CP SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | Commercial Paper | 2.74% | |
| CD - INDIAN OVERSEAS BANK LTD - 23/03/2026 | Certificate of Deposit | 2.56% | |
| NCD BAJAJ HOUSING FINANCE LTD | Corporate Debt | 2.42% | |
| 364 DAYS T-BILL - 10/04/2026 | Treasury Bills | 2.41% | |
| 91 DAYS T-BILL - 14/05/2026 | Treasury Bills | 2.36% | |
| CP RELIANCE RETAIL VENTURES LIMITED | Commercial Paper | 2.20% | |
| CP LARSEN AND TOUBRO LIMITED | Commercial Paper | 2.19% | |
| CP SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | Commercial Paper | 2.01% | |
| CP SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | Commercial Paper | 1.83% | |
| CD - INDIAN BANK - 13/03/2026 | Certificate of Deposit | 1.83% | |
| CP TATA STEEL LTD. | Commercial Paper | 1.83% | |
| CP TITAN COMPANY LTD. | Commercial Paper | 1.83% | |
| CD - CANARA BANK - 27/05/2026 | Certificate of Deposit | 1.80% | |
| CD - CANARA BANK - 18/03/2026 | Certificate of Deposit | 1.65% | |
| CD - HDFC BANK - 24/03/2026 | Certificate of Deposit | 1.64% | |
| CD - PUNJAB & SIND BANK LTD - 24/03/2026 | Certificate of Deposit | 1.64% | |
| CD - HDFC BANK LTD - 18/03/2026 | Certificate of Deposit | 1.46% | |
| CD - CANARA BANK - 20/03/2026 | Certificate of Deposit | 1.37% | |
| CD - UNION BANK OF INDIA - 15/05/2026 | Certificate of Deposit | 1.36% | |
| CD - CANARA BANK - 04/03/2026 | Certificate of Deposit | 1.28% | |
| CD - INDIAN BANK - 05/03/2026 | Certificate of Deposit | 1.28% | |
| CD - FEDERAL BANK LTD - 20/03/2026 | Certificate of Deposit | 1.28% | |
| CD - KARUR VYSYA BANK LTD - 05/05/2026 | Certificate of Deposit | 1.27% | |
| CD - UNION BANK OF INDIA - 02/04/2026 | Certificate of Deposit | 1.19% | |
| CP POONAWALLA FINCORP LTD. | Commercial Paper | 1.10% | |
| CP BAJAJ FINANCIAL SECURITIES LTD | Commercial Paper | 1.10% | |
| CP ICICI SECURITIES LTD. | Commercial Paper | 1.10% | |
| CD - INDIAN BANK - 06/05/2026 | Certificate of Deposit | 1.09% | |
| CD - BANK OF INDIA - 15/05/2026 | Certificate of Deposit | 1.08% | |
| CP BAJAJ FINANCIAL SECURITIES LTD | Commercial Paper | 1.08% | |
| CD - AXIS BANK LIMITED 25/05/26 | Certificate of Deposit | 1.08% | |
| CP HDFC SECURITIES LTD | Commercial Paper | 1.08% | |
| CP SHAREKHAN LTD | Commercial Paper | 1.08% | |
| CP TATA CAPITAL HOUSING FINANCE LTD | Commercial Paper | 0.92% | |
| CP IGH HOLDINGS PRIVATE LIMITED | Commercial Paper | 0.91% | |
| CD - PUNJAB & SIND BANK LTD - 18/03/2026 | Certificate of Deposit | 0.91% | |
| CP BAJAJ FINANCIAL SECURITIES LTD | Commercial Paper | 0.91% | |
| CD - CANARA BANK - 07/05/2026 | Certificate of Deposit | 0.91% | |
| CD - INDIAN BANK - 12/05/2026 | Certificate of Deposit | 0.90% | |
| CP SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | Commercial Paper | 0.90% | |
| CP BHARTI TELECOM LTD. | Commercial Paper | 0.81% | |
| CP KOTAK SECURITIES LTD. | Commercial Paper | 0.73% | |
| CD - KARUR VYSYA BANK LTD - 12/03/2026 | Certificate of Deposit | 0.73% | |
| CP NUVOCO VISTAS CORPORATION LTD | Commercial Paper | 0.73% | |
| CP APL APOLLO TUBES LTD | Commercial Paper | 0.73% | |
| CP TATA PROJECTS LTD | Commercial Paper | 0.73% | |
| CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | Commercial Paper | 0.72% | |
| CP EXPORT IMPORT BANK OF INDIA | Commercial Paper | 0.72% | |
| 182 DAYS T-BILL - 08/05/2026 | Treasury Bills | 0.65% | |
| CD - KOTAK MAHINDRA BANK LTD - 25/05/2026 | Certificate of Deposit | 0.63% | |
| CP HDFC SECURITIES LTD | Commercial Paper | 0.55% | |
| CP DEUTSCHE INVESTMENTS INDIA PVT LTD | Commercial Paper | 0.55% | |
| CP BIRLA GROUP HOLDINGS PRIVATE LIMITED | Commercial Paper | 0.55% | |
| CD - CANARA BANK - 12/03/2026 | Certificate of Deposit | 0.55% | |
| CP JULIUS BAER CAPITAL (INDIA) PRIVATE LIMITED | Commercial Paper | 0.55% | |
| CP GODREJ FINANCE LIMITED | Commercial Paper | 0.55% | |
| CD - KARUR VYSYA BANK LTD - 14/05/2026 | Certificate of Deposit | 0.54% | |
| CP MOTILAL OSWAL FINANCIAL SERVICES LTD. | Commercial Paper | 0.54% | |
| CP JULIUS BAER CAPITAL (INDIA) PRIVATE LIMITED | Commercial Paper | 0.54% | |
| CD - EXIM BANK - 20/03/2026 | Certificate of Deposit | 0.42% | |
| CD - HDFC BANK - 12/03/2026 | Certificate of Deposit | 0.40% | |
| NCD TATA CAPITAL HOUSING FINANCE LTD | Corporate Debt | 0.37% | |
| CD - EXIM BANK - 04/03/2026 | Certificate of Deposit | 0.37% | |
| CD - BANK OF INDIA - 10/03/2026 | Certificate of Deposit | 0.37% | |
| CP FEDBANK FINANCIAL SERVICES LTD. | Commercial Paper | 0.37% | |
| CD - SIDBI - 11/03/2026 | Certificate of Deposit | 0.37% | |
| CP JSW ENERGY LTD. | Commercial Paper | 0.37% | |
| CD - AXIS BANK LTD - 16/03/2026 | Certificate of Deposit | 0.37% | |
| CP BAJAJ FINANCE LTD. | Commercial Paper | 0.37% | |
| CD - INDIAN OVERSEAS BANK LTD - 25/03/2026 | Certificate of Deposit | 0.37% | |
| CP DSP FINANCE PRIVATE LTD | Commercial Paper | 0.37% | |
| CP IGH HOLDINGS PRIVATE LIMITED | Commercial Paper | 0.37% | |
| CP INFINA FINANCE PRIVATE LIMITED | Commercial Paper | 0.37% | |
| CD - HDFC BANK LTD - 02/04/26 | Certificate of Deposit | 0.36% | |
| CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | Commercial Paper | 0.36% | |
| CP 360 ONE PRIME LTD | Commercial Paper | 0.36% | |
| CP NUVAMA WEALTH FINANCE LTD | Commercial Paper | 0.36% | |
| CP MIRAE ASSET FINANCIAL SERVICES (I) PVT LTD | Commercial Paper | 0.36% | |
| CP KOTAK SECURITIES LTD. | Commercial Paper | 0.27% | |
| CORPORATE DEBT MARKET DEVT FUND - A2 UNITS | Alternative Investment Fund | 0.25% | |
| CP BAJAJ FINANCE LTD. | Commercial Paper | 0.24% | |
| CP NUVAMA WEALTH MANAGEMENT LTD | Commercial Paper | 0.18% | |
| CD - S I D B I - 06/03/2026 | Certificate of Deposit | 0.18% | |
| CD - HDFC BANK LTD. - 09/03/2026 | Certificate of Deposit | 0.18% | |
| CP BLUE STAR LIMITED | Commercial Paper | 0.18% | |
| CP DSP FINANCE PRIVATE LTD | Commercial Paper | 0.18% | |
| 91 DAYS T-BILL - 07/05/2026 | Treasury Bills | 0.18% | |
| CD - AXIS BANK LTD - 29/04/2026 | Certificate of Deposit | 0.18% | |
| CP NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | Commercial Paper | 0.18% | |
| CP NUVAMA WEALTH FINANCE LTD | Commercial Paper | 0.09% | |
| CP NUVAMA WEALTH FINANCE LTD | Commercial Paper | 0.09% | |
| CD - NABARD - 25/03/2026 | Certificate of Deposit | 0.07% | |
| CLEARING CORPORATION OF INDIA LTD. STD - MARGIN | Deposits (Placed as Margin) | 0.05% | |
| 8.51 MH SDL-09/03/2026 | Government Securities | 0.02% | |
| 364 D TBILL MAT - 19/03/26 | Treasury Bills | 0.02% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
The investment objective of the scheme is to generate steady and reasonable income, with low risk and high level of liquidity from a portfolio of debt & money market instruments. However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.
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: 6.25%
3-year: 6.92%
5-year: 5.96%
Top holdings include names such as:
The NAV is around ₹4,480.85 (approx.) for the UTI Liquid Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹27,263 Cr.
The expense ratio for the Regular Plan is 0.24.
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 ₹500.
The minimum lump sum investment is ₹500. 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: Amit Sharma
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.
