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6 Best Performing Liquid Mutual Funds to Invest in 2019 | Fincash.com

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6 Best Liquid Mutual Funds 2019

Updated on February 16, 2019 , 5344 views

In common terms, Best Liquid Funds are Debt Mutual Funds or rather money market Mutual Funds with the only difference being in the investment duration. Liquid Funds invest in very short money market instruments like the Certificate of Deposit, treasury bills, commercial papers etc.

The investment duration of these funds is very short, generally ranging from a couple of days to a few weeks (it can even be one day!). The average residual maturity of liquid funds is less than 91 days as they invest in securities which individually have a maturity upto 91 days. Being a short-term Debt fund, these funds are highly suitable for investors looking for low-risk investments for short duration.

The low maturity period of best liquid funds helps fund managers to fulfil the redemption demand of investors easily. In the market, there are various liquid fund investments available.

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Why Invest in Liquid Funds?

  • Liquid funds have no lock-in or very low lock-in period.
  • The interest rate of liquid mutual funds is the lowest among all short-term investments due to low maturity period.
  • No entry and exit loads are applicable.
  • Liquid funds are a perfect solution for investors who wish to park their idle cash for a short duration without the risk of Capital Loss.

Liquid Funds better than Saving Bank Account?

Investing in liquid funds are any day a better option on investment as compared to putting money in popular saving bank account schemes.

Owing to its familiarity and institutionalized nature of saving bank accounts, an average Indian taxpayer has more trust in them. However, it seems they are not the most popular short-term investment anymore. This is due to the rising acceptance of mutual funds by investors with different investment goals. Your hard earned money that lies in a savings bank account fetches you only 3.5% interest per annum. However, the best liquid funds have returned as high as 6.5-7.5% on an average in the past 1 year period, on an annualized basis.

So, on returns alone, liquid funds score over a savings bank account. If you have a raise or a bonus coming your way, invest in liquid funds and party later.

6 Best Liquid Funds India FY 19 - 20

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Liquid Fund Growth ₹2,047.91
↑ 0.39
₹20,0250.61.83.77.57.57.24%1M 9D1M 13D
Reliance Liquid Fund  Growth ₹4,501.81
↑ 0.86
₹36,9380.61.83.87.57.47.44%1M 24D1M 28D
Tata Liquid Fund Growth ₹2,907.51
↑ 0.56
₹19,1600.61.83.77.57.47.39%1Y 5M 19D1Y 5M 19D
Aditya Birla Sun Life Liquid Fund Growth ₹296.562
↑ 0.06
₹53,5180.61.83.77.57.47.49%1M 13D1M 13D
ICICI Prudential Liquid Fund Growth ₹273.174
↑ 0.05
₹55,2510.61.83.77.57.47.37%1M 15D1M 18D
UTI Liquid Cash Plan Growth ₹3,024.52
↑ 0.57
₹33,8280.61.83.77.57.40%1M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Feb 19
*Above is list of best Liquid funds having AUM/Net Assets above 10,000 Crore and managing funds for 5 or more years.

1. Axis Liquid Fund

To provide a high level of liquidity with reasonable returns commensurating with low risk 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.

Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a CAGR/Annualized return of 8% since its launch.  Ranked 21 in Liquid Fund category.  Return for 2018 was 7.5% , 2017 was 6.7% and 2016 was 7.6% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund
Growth
Launch Date 9 Oct 09
NAV (19 Feb 19) ₹2,047.91 ↑ 0.39   (0.02 %)
Net Assets (Cr) ₹20,025 on 31 Dec 18
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.14
Sharpe Ratio 22.37
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.24%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 9 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 14₹10,000
31 Jan 15₹10,906
31 Jan 16₹11,807
31 Jan 17₹12,702
31 Jan 18₹13,553
31 Jan 19₹14,571

Axis Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Axis Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Feb 19

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.5%
3 Year 7.3%
5 Year 7.8%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.5%
2017 6.7%
2016 7.6%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.7%
2011 9%
2010 5.6%
2009
Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 126.24 Yr.
Aditya Pagaria13 Aug 162.47 Yr.

Data below for Axis Liquid Fund as on 31 Dec 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent89.51%
Corporate10.49%
Credit Quality
RatingValue
AA0.41%
AAA99.59%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Corporate Bond Repo
CBLO/Reverse Repo | -
7%₹1,751 Cr
Net Receivables / (Payables)
Net Current Assets | -
4%-₹1,114 Cr
CHENNAI PETROLEUM CORPORATION LTD
Commercial Paper | -
3%₹821 Cr16,500
↑ 16,500
NTPC LIMITED
Commercial Paper | -
3%₹784 Cr15,700
↓ -100
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
3%₹690 Cr13,800
↓ -6,000
8.39% RJ SDL Spl 2019
Domestic Bonds | -
2%₹559 Cr55,806,000
↑ 46,490,000
SUN PHARMACEUTICAL INDUSTRIES LIMITED
Commercial Paper | -
2%₹498 Cr10,000
↑ 10,000
IDFC Bank Limited
Certificate of Deposit | -
2%₹497 Cr50,000
↑ 10,000
VIJAYA BANK
Certificate of Deposit | -
2%₹497 Cr50,000
↓ -25,000
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
2%₹491 Cr9,900
↑ 9,900

2. Reliance Liquid Fund 

(Erstwhile Reliance Liquid Fund - Treasury Plan)

The investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Reliance Liquid Fund  is a Debt - Liquid Fund fund was launched on 9 Dec 03. It is a fund with Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.7% .

Below is the key information for Reliance Liquid Fund 

Reliance Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (19 Feb 19) ₹4,501.81 ↑ 0.86   (0.02 %)
Net Assets (Cr) ₹36,938 on 31 Dec 18
Category Debt - Liquid Fund
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.18
Sharpe Ratio 20.95
Information Ratio 0.14
Alpha Ratio 0.68
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.44%
Effective Maturity 1 Month 28 Days
Modified Duration 1 Month 24 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 14₹10,000
31 Jan 15₹10,905
31 Jan 16₹11,808
31 Jan 17₹12,704
31 Jan 18₹13,551
31 Jan 19₹14,568

Reliance Liquid Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Reliance Liquid Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Feb 19

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.8%
1 Year 7.5%
3 Year 7.3%
5 Year 7.8%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.2%
2012 9.7%
2011 8.9%
2010 5.3%
2009 5.5%
Fund Manager information for Reliance Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 135.09 Yr.
Kinjal Desai25 May 180.44 Yr.

Data below for Reliance Liquid Fund  as on 31 Dec 18

Asset Allocation
Asset ClassValue
Cash100%
Other0%
Debt Sector Allocation
SectorValue
Cash Equivalent84.33%
Corporate15.12%
Government0.54%
Credit Quality
RatingValue
AA0.47%
AAA99.53%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
7%-₹3,175 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
4%₹1,980 Cr39,900
↑ 39,900
Deutsche Bank Ag
Certificate of Deposit | -
2%₹1,025 Cr
Canara Bank
Certificate of Deposit | -
2%₹1,007 Cr101,850
↑ 101,850
Indusind Bank Limited
Certificate of Deposit | -
2%₹1,000 Cr
Reliance Jio Infocomm Limited
Commercial Paper | -
2%₹988 Cr19,900
↓ -100
VIJAYA BANK
Certificate of Deposit | -
2%₹988 Cr99,500
↓ -500
Punjab National Bank
Certificate of Deposit | -
2%₹987 Cr99,500
↑ 49,500
NATIONAL HOUSING BANK
Commercial Paper | -
2%₹987 Cr19,900
↓ -100
VIJAYA BANK
Certificate of Deposit | -
2%₹987 Cr99,500
↓ -500

3. Tata Liquid Fund

(Erstwhile TATA Money Market Fund )

To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Tata Liquid Fund is a Debt - Liquid Fund fund was launched on 1 Sep 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 18 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.7% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund
Growth
Launch Date 1 Sep 04
NAV (19 Feb 19) ₹2,907.51 ↑ 0.56   (0.02 %)
Net Assets (Cr) ₹19,160 on 31 Dec 18
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 22.93
Information Ratio 0.08
Alpha Ratio 0.96
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.39%
Effective Maturity 1 Year 5 Months 19 Days
Modified Duration 1 Year 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 14₹10,000
31 Jan 15₹10,908
31 Jan 16₹11,808
31 Jan 17₹12,704
31 Jan 18₹13,552
31 Jan 19₹14,567

Tata Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Tata Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Feb 19

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.5%
3 Year 7.2%
5 Year 7.8%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
2012 9.8%
2011 9%
2010 5%
2009 5.5%
Fund Manager information for Tata Liquid Fund
NameSinceTenure
Amit Somani16 Oct 135.04 Yr.

Data below for Tata Liquid Fund as on 31 Dec 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent96.52%
Corporate3.48%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
(C) Treps
Certificate of Deposit | -
6%₹1,531 Cr
91 DTB 28032019
Sovereign Bonds | -
6%₹1,526 Cr154,042,000
↑ 72,091,400
PUNJAB NATIONAL BANK
Certificate of Deposit | -
4%₹987 Cr100,000
↑ 100,000
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -
3%₹914 Cr18,500
↑ 18,500
Indusind Bank Ltd
Certificate of Deposit | -
3%₹750 Cr
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
3%₹748 Cr15,000
L & T INFRASTRUCTURE FINANCE COMPANY LIMITED
Commercial Paper | -
3%₹694 Cr14,000
↑ 14,000
PNB Housing Finance Limited
Commercial Paper | -
2%₹596 Cr12,000
↑ 12,000
45 DCMB 18032019
Sovereign Bonds | -
2%₹559 Cr56,323,000
↑ 56,323,000
91 DTB 11042019
Sovereign Bonds | -
2%₹545 Cr55,140,100
↑ 55,140,100

4. Aditya Birla Sun Life Liquid Fund

(Erstwhile Aditya Birla Sun Life Cash Plus Fund)

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in high quality debt and money market instruments.

Aditya Birla Sun Life Liquid Fund is a Debt - Liquid Fund fund was launched on 30 Mar 04. It is a fund with Low risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 15 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.7% .

Below is the key information for Aditya Birla Sun Life Liquid Fund

Aditya Birla Sun Life Liquid Fund
Growth
Launch Date 30 Mar 04
NAV (19 Feb 19) ₹296.562 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹53,518 on 31 Dec 18
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio 20.66
Information Ratio 0.15
Alpha Ratio 0.66
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.49%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 14₹10,000
31 Jan 15₹10,912
31 Jan 16₹11,819
31 Jan 17₹12,722
31 Jan 18₹13,568
31 Jan 19₹14,584

Aditya Birla Sun Life Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Feb 19

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.5%
3 Year 7.3%
5 Year 7.8%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.2%
2013 9.3%
2012 9.7%
2011 9%
2010 5.5%
2009 5.5%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha18 Jun 099.63 Yr.
Kaustubh Gupta15 Jul 117.55 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Dec 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent83.84%
Corporate14.36%
Government1.8%
Credit Quality
RatingValue
AA2.06%
AAA97.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 14022019
Sovereign Bonds | -
2%₹1,032 Cr103,480,900
7.01% Union Bank Of India (14/03/2019)
Certificate of Deposit | -
2%₹1,000 Cr
7.11% Union Bank Of India (29/03/2019)
Certificate of Deposit | -
2%₹1,000 Cr
Indusind Bank Limited (15/02/2019) #
Net Current Assets | -
2%₹997 Cr100,000,000
8.39% RJ SDL Spl 2019
Domestic Bonds | -
2%₹979 Cr97,679,000
↑ 78,221,000
Reverse Repo
CBLO/Reverse Repo | -
2%₹968 Cr
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
2%₹963 Cr19,400
↓ -100
L&T FINANCE LIMITED
Commercial Paper | -
2%₹939 Cr18,900
↓ -100
7.60% Indusind Bank Limited (27/02/2019)
Certificate of Deposit | -
1%₹750 Cr
7.60% Indusind Bank Limited (28/03/2019)
Certificate of Deposit | -
1%₹750 Cr

5. ICICI Prudential Liquid Fund

(Erstwhile ICICI Prudential Liquid Plan)

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

ICICI Prudential Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 05. It is a fund with Low risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 20 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.6% and 2016 was 7.7% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund
Growth
Launch Date 17 Nov 05
NAV (19 Feb 19) ₹273.174 ↑ 0.05   (0.02 %)
Net Assets (Cr) ₹55,251 on 31 Dec 18
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.15
Sharpe Ratio 19.89
Information Ratio -0.11
Alpha Ratio 0.47
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.37%
Effective Maturity 1 Month 18 Days
Modified Duration 1 Month 15 Days

Growth of 10,000 investment over the years.

DateValue
31 Jan 14₹10,000
31 Jan 15₹10,906
31 Jan 16₹11,807
31 Jan 17₹12,704
31 Jan 18₹13,545
31 Jan 19₹14,554

ICICI Prudential Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for ICICI Prudential Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Feb 19

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.5%
3 Year 7.2%
5 Year 7.8%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.3%
2012 9.7%
2011 8.9%
2010 5.5%
2009 5.6%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Rahul Goswami27 Sep 126.1 Yr.
Rohan Maru19 Sep 135.12 Yr.

Data below for ICICI Prudential Liquid Fund as on 31 Dec 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent89.29%
Corporate10.71%
Credit Quality
RatingValue
AA0.29%
AAA99.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 02052019
Sovereign Bonds | -
6%₹3,539 Cr359,565,200
↑ 359,565,200
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
3%₹1,927 Cr39,000
↑ 39,000
91 DTB 25042019
Sovereign Bonds | -
3%₹1,914 Cr194,267,200
↑ 194,267,200
Net Current Assets
Net Current Assets | -
3%-₹1,765 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
3%₹1,740 Cr35,000
↑ 35,000
Tata Sons Limited
Commercial Paper | -
2%₹1,546 Cr31,000
ORIENTAL BANK OF COMMERCE
Certificate of Deposit | -
2%₹1,496 Cr150,000
OIL& NATURAL GAS CORPORATION LIMITED
Commercial Paper | -
2%₹1,495 Cr30,000
↑ 30,000
AXIS BANK LIMITED
Certificate of Deposit | -
2%₹1,486 Cr150,000
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
2%₹1,249 Cr25,000

6. UTI Liquid Cash Plan

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 money market securities and high quality debt.

UTI Liquid Cash Plan is a Debt - Liquid Fund fund was launched on 11 Dec 03. It is a fund with Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 32 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.7% .

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan
Growth
Launch Date 11 Dec 03
NAV (19 Feb 19) ₹3,024.52 ↑ 0.57   (0.02 %)
Net Assets (Cr) ₹33,828 on 31 Dec 18
Category Debt - Liquid Fund
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.09
Sharpe Ratio 22.52
Information Ratio 0.09
Alpha Ratio 0.95
Min Investment 500
Min SIP Investment 1,500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity 1 Month 23 Days
Modified Duration

Growth of 10,000 investment over the years.

DateValue
31 Jan 14₹10,000
31 Jan 15₹10,905
31 Jan 16₹11,797
31 Jan 17₹12,692
31 Jan 18₹13,538
31 Jan 19₹14,553

UTI Liquid Cash Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for UTI Liquid Cash Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Feb 19

DurationReturns
1 Month 0.6%
3 Month 1.8%
6 Month 3.7%
1 Year 7.5%
3 Year 7.2%
5 Year 7.8%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.1%
2012 9.6%
2011 8.9%
2010 5.4%
2009 5.4%
Fund Manager information for UTI Liquid Cash Plan
NameSinceTenure
Amandeep Chopra14 Dec 0611.89 Yr.
Amit Sharma7 Jul 171.32 Yr.

Data below for UTI Liquid Cash Plan as on 31 Dec 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent94.43%
Corporate5.22%
Government0.35%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
2%₹997 Cr10,050,000,000
↑ 10,050,000,000
UNION BANK OF INDIA
Certificate of Deposit | -
2%₹945 Cr9,500,000,000
↑ 9,500,000,000
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Commercial Paper | -
2%₹927 Cr9,350,000,000
↑ 850,000,000
SHRIRAM TRANSPORT FINANCE COMPANY LIMITED
Commercial Paper | -
2%₹920 Cr9,233,000,000
↓ -150,000,000
Indusind Bank Ltd. Std - 25 Days
Certificate of Deposit | -
2%₹900 Cr00
Indusind Bank Ltd. Std - 23 Days
Certificate of Deposit | -
2%₹800 Cr00
Indusind Bank Ltd. Std - 24 Days
Certificate of Deposit | -
2%₹800 Cr00
Steel Authority Of India Limited
Commercial Paper | -
2%₹799 Cr8,050,000,000
↑ 8,050,000,000
INDIAN BANK
Certificate of Deposit | -
2%₹711 Cr7,150,000,000
↓ -350,000,000
Housing Development Finance Corporation Limited
Commercial Paper | -
1%₹643 Cr6,460,000,000
↑ 1,000,000,000

How to evaluate Liquid Mutual Funds?

When looking for a liquid mutual fund, the past return should not be the only factor for consideration. Other factors like fund size, track record, credit quality of underlying securities should also be kept in mind.

1. Investment Plans

Liquid funds come with different plans like a daily dividend plan, weekly dividend plan, monthly dividend plan and growth plans. In the growth option, profits made by the scheme are invested back into it. This results in the NAV (Net Asset Value) of the scheme rising over time. In the dividend option, the profits made by the fund are not re-invested. Dividends are distributed to the investor from time to time. Investors can choose their plan as per their convenience and liquidity needs.

2. Expense Ratio

Mutual funds charge a fee to manage your funds called an expense ratio. As per SEBI norms, the upper limit of expense ratio is 2.25%. In case of liquid funds, they maintain a lower expense ratio to provide relatively higher returns over a short period of time.

3. Investment Horizon

Plan your investment horizon. Liquid funds are exclusively meant to invest surplus cash over a very short period of time that is for 91 days. So, if you have an idle cash, you can invest here for a short period and earn better returns than bank Savings Account. In case you have a longer investment horizon of up to 1 year, then you may consider investing in short duration funds to get relatively higher returns.

Features of Liquid Mutual Funds

Features-of-best-liquid-funds

1. Exit Load Of Liquid Mutual Funds

Considering the fact that liquid mutual funds are short-term investments with a low maturity period, the majority of the funds under this category do not levy any exit load on redemption. Also, if there exists any exit load, it is very nominal and usually not more than a week. Liquid funds generally do not have an exit load given they are very short investment products.

2. Volatility Of Liquid Fund Investment

Generally, the volatility of liquid funds is low as the investment lasts for a few days to weeks. So, the risk of loss in investment is quite less. However, it is suggested to make a liquid fund investment considering the market condition to avoid the opportunity of loss.

3. Lock-in Period Of Best Liquid Funds

Given that liquid mutual funds are very short-term investment options, liquid funds do not have any lock-in period. Liquid Funds can be invested for a time period as short as one day going upto a couple of weeks.

4. Liquid Fund Returns

Liquid funds are one of the best short-term investments during a high Inflation period. In the high inflation period, the interest rate on the liquid fund is high. Thus, helping liquid mutual funds to earn good returns. The liquid fund returns are usually higher than that of other traditional investments like bank fixed deposits or savings accounts. However, it is suggested to invest in best liquid funds choosing a right option (growth, dividend payout, dividend re-investment) suiting your needs.

5. Liquid Funds Taxation

Generally, liquid fund returns receive in the form of dividends are not taxed in the hands of investors. However, a Dividend Distribution Tax (DDT) of approximately 28% is deducted by the mutual fund company from the dividends. Moreover, for the investors who have opted for growth option, a short-term Capital Gain tax is deducted as per the individual’s tax slab. This tax deduction is same as that of a savings account.

How to Invest in Liquid Funds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

Due to the lack of awareness about liquid funds, people don’t invest in them and instead keep huge sums in a savings account. But, it’s never too late to begin something good. So, invest in best liquid funds today!

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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