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6 Best Performing Liquid Mutual Funds to Invest in 2020 | Fincash.com

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6 Best Liquid Mutual Funds 2020

Updated on January 23, 2020 , 36364 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 20 - 21

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Nippon India Liquid Fund  Growth ₹4,772.81
↑ 0.66
₹24,2350.41.32.86.56.75.38%1M 12D1M 15D
Aditya Birla Sun Life Liquid Fund Growth ₹314.393
↑ 0.04
₹40,8540.41.32.86.56.75.42%1M 17D1M 17D
Axis Liquid Fund Growth ₹2,170.04
↑ 0.30
₹29,1190.41.32.86.56.65.29%1M 27D2M 1D
ICICI Prudential Liquid Fund Growth ₹289.352
↑ 0.04
₹55,6650.41.32.86.46.65.32%1M 16D1M 18D
Tata Liquid Fund Growth ₹3,078.57
↑ 0.43
₹18,4770.41.32.86.46.65.34%1M 13D1M 13D
UTI Liquid Cash Plan Growth ₹3,204.67
↑ 0.87
₹30,4770.41.32.86.56.65.31%1M 10D1M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Jan 20
*Above is list of best Liquid funds having AUM/Net Assets above 10,000 Crore and managing funds for 5 or more years.

1. Nippon India 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.

Nippon India 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 2019 was 6.7% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Nippon India Liquid Fund 

Nippon India Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (24 Jan 20) ₹4,772.81 ↑ 0.66   (0.01 %)
Net Assets (Cr) ₹24,235 on 31 Dec 19
Category Debt - Liquid Fund
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 15.17
Information Ratio -0.96
Alpha Ratio 0.5
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 5.38%
Effective Maturity 1 Month 15 Days
Modified Duration 1 Month 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,834
31 Dec 16₹11,663
31 Dec 17₹12,444
31 Dec 18₹13,370
31 Dec 19₹14,266

Nippon India 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 Nippon India 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 24 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 6.5%
3 Year 6.9%
5 Year 7.3%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.7%
2017 7.4%
2016 6.7%
2015 7.7%
2014 8.3%
2013 9.1%
2012 9.2%
2011 9.7%
2010 8.9%
2009 5.3%
Fund Manager information for Nippon India Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 136 Yr.
Kinjal Desai25 May 181.35 Yr.

Data below for Nippon India Liquid Fund  as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash99.96%
Other0.04%
Debt Sector Allocation
SectorValue
Cash Equivalent52.28%
Corporate44.72%
Government2.96%
Credit Quality
RatingValue
AAA96.47%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
8%₹2,786 Cr
6.35% Govt Stock 2020
Sovereign Bonds | -
8%₹2,527 Cr252,500,000
↑ 177,500,000
91 DTB 06022020
Sovereign Bonds | -
7%₹2,275 Cr229,500,000
↑ 229,500,000
91 DTB 30012020
Sovereign Bonds | -
5%₹1,592 Cr160,500,000
↑ 160,500,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹998 Cr100,000
364 DTB 12122019
Sovereign Bonds | -
3%₹906 Cr90,771,900
8.19% Govt Stock 2020
Sovereign Bonds | -
2%₹803 Cr80,000,000
↑ 35,500,000
Icici Bank Limited **
Certificate of Deposit | -
2%₹798 Cr
91 DTB 20022020
Sovereign Bonds | -
2%₹791 Cr80,000,000
↑ 80,000,000
INFINA Finance Private Limited
Commercial Paper | -
2%₹750 Cr15,000
↑ 15,000

2. 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 7.5% since its launch.  Ranked 15 in Liquid Fund category.  Return for 2019 was 6.7% , 2018 was 7.4% and 2017 was 6.7% .

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 (24 Jan 20) ₹314.393 ↑ 0.04   (0.01 %)
Net Assets (Cr) ₹40,854 on 31 Dec 19
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.23
Sharpe Ratio 16.3
Information Ratio -1.09
Alpha Ratio 0.67
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.42%
Effective Maturity 1 Month 17 Days
Modified Duration 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,838
31 Dec 16₹11,672
31 Dec 17₹12,452
31 Dec 18₹13,375
31 Dec 19₹14,271

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 24 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 6.5%
3 Year 6.9%
5 Year 7.3%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.7%
2017 7.4%
2016 6.7%
2015 7.7%
2014 8.4%
2013 9.2%
2012 9.3%
2011 9.7%
2010 9%
2009 5.5%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha18 Jun 0910.38 Yr.
Kaustubh Gupta15 Jul 118.3 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate60.13%
Cash Equivalent38.93%
Government0.94%
Credit Quality
RatingValue
AA0.96%
AAA99.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
7%₹2,852 Cr
8.19% Govt Stock 2020
Sovereign Bonds | -
6%₹2,398 Cr238,904,300
↑ 238,904,300
Net Receivables / (Payables)
Net Current Assets | -
3%-₹1,349 Cr
6.35% Govt Stock 2020
Sovereign Bonds | -
3%₹1,046 Cr104,500,000
↑ 53,000,000
182 DTB 26122019
Sovereign Bonds | -
2%₹997 Cr100,000,000
Reliance Jio Infocomm Limited
Commercial Paper | -
2%₹894 Cr18,000
↑ 18,000
5.90% Indusind Bank Limited (05/12/2019)
Net Current Assets | -
2%₹750 Cr
5.90% Indusind Bank Limited (17/12/2019)
Net Current Assets | -
2%₹750 Cr
Bajaj Finance Limited
Commercial Paper | -
2%₹747 Cr15,000
↑ 5,000
Chennai Petroleum Corporation Ltd
Commercial Paper | -
2%₹698 Cr14,000
↑ 14,000

3. 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 7.8% since its launch.  Ranked 21 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.5% and 2017 was 6.7% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund
Growth
Launch Date 9 Oct 09
NAV (24 Jan 20) ₹2,170.04 ↑ 0.30   (0.01 %)
Net Assets (Cr) ₹29,119 on 31 Dec 19
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.14
Sharpe Ratio 14.58
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.29%
Effective Maturity 2 Months 1 Day
Modified Duration 1 Month 27 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,835
31 Dec 16₹11,663
31 Dec 17₹12,446
31 Dec 18₹13,374
31 Dec 19₹14,262

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 24 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 6.5%
3 Year 6.9%
5 Year 7.3%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 7.5%
2016 6.7%
2015 7.6%
2014 8.4%
2013 9.1%
2012 9.2%
2011 9.7%
2010 9%
2009 5.6%
Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 127.07 Yr.
Aditya Pagaria13 Aug 163.3 Yr.

Data below for Axis Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate52.37%
Cash Equivalent46.41%
Government1.22%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd
CBLO | -
7%₹2,276 Cr
91 DTB 05122019
Sovereign Bonds | -
7%₹2,198 Cr219,899,100
↑ 150,000,000
Corporate Bond Repo
CBLO/Reverse Repo | -
5%₹1,547 Cr
Net Receivables / (Payables)
Net Current Assets | -
5%-₹1,439 Cr
91 DTB 30012020
Sovereign Bonds | -
4%₹1,283 Cr129,359,800
↑ 129,359,800
182 DTB 30012020
Sovereign Bonds | -
3%₹818 Cr82,500,000
↑ 82,500,000
Reliance Retail Limited
Commercial Paper | -
2%₹744 Cr15,000
↑ 15,000
Chennai Petroleum Corporation Ltd
Commercial Paper | -
2%₹697 Cr14,000
↑ 14,000
91 DTB 12122019
Sovereign Bonds | -
2%₹560 Cr56,125,100
Housing Development Finance Corporation Limited
Debentures | -
2%₹536 Cr5,350

4. 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 7.8% since its launch.  Ranked 20 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.6% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund
Growth
Launch Date 17 Nov 05
NAV (24 Jan 20) ₹289.352 ↑ 0.04   (0.01 %)
Net Assets (Cr) ₹55,665 on 31 Dec 19
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio 14.51
Information Ratio -1.8
Alpha Ratio 0.31
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.32%
Effective Maturity 1 Month 18 Days
Modified Duration 1 Month 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,834
31 Dec 16₹11,663
31 Dec 17₹12,438
31 Dec 18₹13,357
31 Dec 19₹14,238

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 24 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 6.4%
3 Year 6.8%
5 Year 7.3%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 7.4%
2016 6.6%
2015 7.7%
2014 8.3%
2013 9.1%
2012 9.3%
2011 9.7%
2010 8.9%
2009 5.5%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Rahul Goswami27 Sep 127.26 Yr.
Rohan Maru19 Sep 136.29 Yr.

Data below for ICICI Prudential Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent50.88%
Corporate49%
Government0.12%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 20022020
Sovereign Bonds | -
6%₹3,957 Cr400,000,000
↑ 400,000,000
Reverse Repo
CBLO/Reverse Repo | -
6%₹3,891 Cr
91 DTB 19122019
Sovereign Bonds | -
5%₹2,995 Cr300,187,000
91 DTB 13022020
Sovereign Bonds | -
5%₹2,886 Cr291,497,500
↑ 291,497,500
TATA SONS PRIVATE LIMITED
Commercial Paper | -
3%₹1,995 Cr40,000
42 DTB 17122019
Sovereign Bonds | -
3%₹1,681 Cr168,500,000
↑ 168,500,000
91 DTB 12122019
Sovereign Bonds | -
3%₹1,679 Cr168,174,700
6.35% Govt Stock 2020
Sovereign Bonds | -
3%₹1,663 Cr166,160,000
91 DTB 06022020
Sovereign Bonds | -
3%₹1,606 Cr162,000,000
↑ 162,000,000
91 DTB 05122019
Sovereign Bonds | -
2%₹1,277 Cr127,746,600

5. 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 7.6% since its launch.  Ranked 18 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund
Growth
Launch Date 1 Sep 04
NAV (24 Jan 20) ₹3,078.57 ↑ 0.43   (0.01 %)
Net Assets (Cr) ₹18,477 on 31 Dec 19
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.34
Sharpe Ratio 14.89
Information Ratio -1.52
Alpha Ratio 0.43
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.34%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,835
31 Dec 16₹11,665
31 Dec 17₹12,444
31 Dec 18₹13,368
31 Dec 19₹14,247

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 24 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 6.4%
3 Year 6.9%
5 Year 7.3%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 7.4%
2016 6.7%
2015 7.7%
2014 8.4%
2013 9.1%
2012 9.3%
2011 9.8%
2010 9%
2009 5%
Fund Manager information for Tata Liquid Fund
NameSinceTenure
Amit Somani16 Oct 136.13 Yr.

Data below for Tata Liquid Fund as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate66.85%
Cash Equivalent31.36%
Government1.79%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
42 DTB 17122019
Sovereign Bonds | -
5%₹1,088 Cr109,000,000
↑ 109,000,000
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -
4%₹997 Cr20,000
91 DTB 23012020
Sovereign Bonds | -
4%₹956 Cr96,264,000
↓ -54,500,000
(C) Treps
CBLO/Reverse Repo | -
4%₹902 Cr
Chennai Petroleum Corporation Ltd
Commercial Paper | -
4%₹898 Cr18,000
↑ 18,000
182 DTB 26122019
Sovereign Bonds | -
4%₹888 Cr89,053,800
LARSEN AND TOUBRO LIMITED
Commercial Paper | -
3%₹766 Cr15,500
↑ 15,500
Hindustan Zinc Limited
Commercial Paper | -
3%₹748 Cr15,000
Bajaj Finance Limited
Commercial Paper | -
3%₹698 Cr14,000
91 DTB09012020
Sovereign Bonds | -
3%₹641 Cr64,440,300
↑ 64,440,300

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 7.3% since its launch.  Ranked 32 in Liquid Fund category.  Return for 2019 was 6.6% , 2018 was 7.4% and 2017 was 6.7% .

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan
Growth
Launch Date 11 Dec 03
NAV (25 Jan 20) ₹3,204.67 ↑ 0.87   (0.03 %)
Net Assets (Cr) ₹30,477 on 31 Dec 19
Category Debt - Liquid Fund
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio 14.36
Information Ratio -1.34
Alpha Ratio 0.34
Min Investment 500
Min SIP Investment 1,500
Exit Load NIL
Yield to Maturity 5.31%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 14₹10,000
31 Dec 15₹10,828
31 Dec 16₹11,657
31 Dec 17₹12,435
31 Dec 18₹13,359
31 Dec 19₹14,245

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 24 Jan 20

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.8%
1 Year 6.5%
3 Year 6.9%
5 Year 7.3%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 7.4%
2016 6.7%
2015 7.7%
2014 8.3%
2013 9.1%
2012 9.1%
2011 9.6%
2010 8.9%
2009 5.4%
Fund Manager information for UTI Liquid Cash Plan
NameSinceTenure
Amandeep Chopra14 Dec 0612.97 Yr.
Amit Sharma7 Jul 172.4 Yr.

Data below for UTI Liquid Cash Plan as on 31 Dec 19

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Corporate52.94%
Cash Equivalent44.5%
Government2.56%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
7%₹2,245 Cr00
91 DTB 26122019
Sovereign Bonds | -
6%₹2,183 Cr21,900,000,000
91 DTB 12122019
Sovereign Bonds | -
4%₹1,477 Cr14,787,040,000
8.19% Govt Stock 2020
Sovereign Bonds | -
4%₹1,242 Cr12,370,000,000
↑ 7,170,000,000
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -
3%₹998 Cr10,000,000,000
Hindustan Zinc Limited
Commercial Paper | -
3%₹993 Cr10,000,000,000
364 DTB 05122019
Sovereign Bonds | -
2%₹805 Cr8,050,000,000
STEEL AUTHORITY OF INDIA LIMITED
Commercial Paper | -
2%₹750 Cr7,500,000,000
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Commercial Paper | -
2%₹748 Cr7,500,000,000
Indian Railway Finance Corporation Limited
Commercial Paper | -
2%₹643 Cr6,500,000,000
↑ 6,500,000,000

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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