Debt Liquid Low to Moderate Risk Fund Manager: Piyush Baranwal
Debt Liquid Low to Moderate Risk
The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity by investing in high quality debt and money market instruments.
However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee 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 | 0.75% | 1.72% | 3.11% | 4.53% | 6.12% | 6.65% | 6.8% | 6.5% | 5.79% | 0% | 5.48% |
| Category returns | 0.74% | 1.68% | 3.11% | 4.56% | 6.15% | 6.68% | 6.84% | 6.58% | 5.93% | 5.98% | N/A |
| Absolute returns | 0.75% | 1.72% | 3.11% | 4.53% | 6.12% | 13.75% | 21.84% | 28.67% | 32.51% | 0% | 47.38% |
| Rank within category | 23 | 12 | 28 | 28 | 27 | 28 | 27 | 29 | 32 | 30 | N/A |
| Total Schemes in Category | 42 | 42 | 40 | 39 | 37 | 36 | 35 | 35 | 35 | 29 | N/A |
| Liquid | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Yearly returns | N/A | 3.61% | 2.93% | 4.44% | 6.85% | 7.26% | 6.38% | 2.03% |
| Q1 returns | N/A | 1.24% | 0.73% | 0.76% | 1.64% | 1.84% | 1.79% | 1.43% |
| Q2 returns | 1.78% | 0.88% | 0.72% | 0.89% | 1.68% | 1.77% | 1.63% | 0.59% |
| Q3 Returns | 1.6% | 0.7% | 0.68% | 1.19% | 1.64% | 1.74% | 1.4% | N/A |
| Q4 Returns | 1.36% | 0.74% | 0.76% | 1.54% | 1.73% | 1.72% | 1.42% | N/A |
Expense ratio: 0.31%
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 | -0.00411839 |
| Beta | 1.085 |
| Sharpe Ratio | 0.168892 |
| Sortino Ratio | 0.0457543 |
| R-Squared | 0.8531 |
| Tracking Error | 0.0263 |
| Downside Risk | 0 |
| Std. Deviation (Annualised) | 0.2347 |
| 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 | 0.74% | 1.71% | 3.18% | 4.65% | 6.29% | 6.99% | 6.06% | 6.09% | 6.68% | 1,611.37 | 0.08 | 0.35 | Low to Moderate |
| Axis Liquid Fund - Regular Plan - Growth | 0.78% | 1.74% | 3.19% | 4.66% | 6.28% | 6.96% | 6.04% | 6.13% | 6.98% | 30,187.50 | 0.21 | 0.30 | Moderate |
| Franklin India Liquid Fund - Super Institutional - Growth | 0.75% | 1.69% | 3.15% | 4.63% | 6.26% | 6.95% | 6.02% | 6.14% | 7.11% | 2,122.81 | 0.19 | 0.29 | Low to Moderate |
| Canara Robeco Liquid Fund - Regular Plan - Growth | 0.77% | 1.74% | 3.17% | 4.63% | 6.24% | 6.94% | 6.02% | 5.98% | 6.92% | 4,858.34 | 0.15 | 0.28 | Low to Moderate |
| DSP Liquidity Fund - Regular Plan - Growth | 0.77% | 1.73% | 3.18% | 4.65% | 6.27% | 6.93% | 6% | 6.06% | 6.91% | 16,866.10 | 0.22 | 0.28 | Low to Moderate |
| Union Liquid Fund - Growth | 0.75% | 1.7% | 3.16% | 4.63% | 6.24% | 6.93% | 6.01% | 5.67% | 6.74% | 5,755.60 | 0.17 | 0.28 | Low to Moderate |
| Mahindra Manulife Liquid Fund - Regular Plan - Growth | 0.74% | 1.72% | 3.15% | 4.63% | 6.24% | 6.93% | 6.02% | 0% | 6.08% | 1,012.32 | 0.26 | 0.29 | Moderate |
| Invesco India Liquid Fund - Growth | 0.77% | 1.71% | 3.16% | 4.62% | 6.24% | 6.93% | 6% | 6.06% | 7.06% | 11,723.20 | 0.22 | 0.26 | Low to Moderate |
| Aditya Birla Sun Life Liquid Fund - Growth | 0.77% | 1.72% | 3.17% | 4.63% | 6.24% | 6.92% | 6.01% | 6.11% | 6.96% | 43,022.20 | 0.35 | 0.26 | Moderate |
| WhiteOak Capital Liquid Fund - Regular Plan - Growth Current | 0.75% | 1.72% | 3.11% | 4.53% | 6.12% | 6.8% | 5.79% | 0% | 5.48% | 591.94 | 0.31 | 0.17 | Low to Moderate |
| Instrument Allocation | Instrument | Assets % |
|---|---|---|
|
|
Certificate of Deposit | 46.55% |
| Commercial Paper | 29.14% | |
| Treasury Bills | 15.94% | |
| Cash & Cash Equivalents and Net Assets | 4.23% | |
| Corporate Debt | 3.88% | |
| Alternative Investment Fund | 0.26% |
| Sector Allocation | Sector | Assets % |
|---|---|---|
| Others | 100.00% |
| Name | Sector | Instrument | Assets % |
|---|---|---|---|
| Punjab National Bank (23/06/2026) ** # | Certificate of Deposit | 8.31% | |
| Power Finance Corporation Limited (25/06/2026) ** | Commercial Paper | 8.30% | |
| 91 Days Tbill (MD 28/05/2026) | Treasury Bills | 5.86% | |
| Export Import Bank of India (01/06/2026) | Commercial Paper | 5.14% | |
| 91 Days Tbill (MD 07/05/2026) | Treasury Bills | 5.04% | |
| Small Industries Dev Bank of India (05/05/2026) # | Certificate of Deposit | 4.19% | |
| Canara Bank (07/05/2026) # | Certificate of Deposit | 4.19% | |
| HDFC Securities Limited (06/05/2026) ** | Commercial Paper | 4.19% | |
| Kotak Securities Limited (07/05/2026) ** | Commercial Paper | 4.19% | |
| Canara Bank (11/05/2026) ** # | Certificate of Deposit | 4.19% | |
| Union Bank of India (26/05/2026) ** # | Certificate of Deposit | 4.17% | |
| Bank of Baroda (05/06/2026) # | Certificate of Deposit | 4.17% | |
| ICICI Securities Limited (04/06/2026) ** | Commercial Paper | 4.17% | |
| Union Bank of India (19/06/2026) ** # | Certificate of Deposit | 4.16% | |
| HDFC Bank Limited (24/06/2026) # | Certificate of Deposit | 4.15% | |
| Clearing Corporation of India Ltd | Cash & Cash Equivalents and Net Assets | 3.98% | |
| 7.78% Bajaj Housing Finance Limited (26/05/2026) ** | Corporate Debt | 3.88% | |
| Bank of Baroda (08/05/2026) # | Certificate of Deposit | 3.35% | |
| Axis Bank Limited (25/05/2026) ** # | Certificate of Deposit | 3.34% | |
| Muthoot Finance Limited (17/06/2026) ** | Commercial Paper | 3.16% | |
| Bank of Baroda (15/06/2026) # | Certificate of Deposit | 2.33% | |
| 91 Days Tbill (MD 14/05/2026) | Treasury Bills | 1.68% | |
| 91 Days Tbill (MD 22/05/2026) | Treasury Bills | 1.68% | |
| 91 Days Tbill (MD 04/06/2026) | Treasury Bills | 1.67% | |
| Corporate Debt Market Development Fund # | Alternative Investment Fund | 0.26% | |
| Net Receivables / (Payables) | Cash & Cash Equivalents and Net Assets | 0.25% | |
| Total | 100.00% |
RETURNS
It is an Open ended scheme that primarily invests in Liquid.
The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity by investing in high quality debt and money market instruments.
However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any 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: 6.12%
3-year: 6.8%
5-year: 5.79%
Top holdings include names such as:
The NAV is around ₹1,473.78 (approx.) for the WhiteOak Capital Liquid Fund - Regular Plan - Growth.
The fund’s AUM is approximately ₹592 Cr.
The expense ratio for the Regular Plan is 0.31.
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 ₹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: Piyush Baranwal
This fund is suitable for investors with a Low to Moderate risk tolerance.
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