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6 Best Performing Liquid Mutual Funds to Invest in 2021 | Fincash.com

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6 Best Liquid Mutual Funds 2021

Updated on May 9, 2021 , 93798 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.

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.

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6 Best Liquid Funds India FY 21 - 22

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2020 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Tata Liquid Fund Growth ₹3,235.88
↑ 0.29
₹13,1090.20.81.53.34.33.43%1M 7D1M 7D
Aditya Birla Sun Life Liquid Fund Growth ₹330.446
↑ 0.03
₹27,4330.30.81.53.44.33.39%1M 13D1M 13D
Axis Liquid Fund Growth ₹2,280.61
↑ 0.19
₹21,5680.30.81.53.34.30%
ICICI Prudential Liquid Fund Growth ₹304.07
↑ 0.03
₹37,7770.20.81.53.44.33.39%1M 7D1M 10D
Nippon India Liquid Fund  Growth ₹5,014.42
↑ 0.41
₹23,2190.20.81.53.34.33.35%1M 18D1M 21D
SBI Liquid Fund Growth ₹3,214.07
↑ 0.30
₹41,4910.20.81.53.34.23.36%1M 10D1M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 May 21
*Above is list of best Liquid funds having AUM/Net Assets above 10,000 Crore and managing funds for 5 or more years. Sorted on Last 1 Calendar Year Return.

1. 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 7.3% since its launch.  Ranked 18 in Liquid Fund category.  Return for 2020 was 4.3% , 2019 was 6.6% and 2018 was 7.4% .

Below is the key information for Tata Liquid Fund

Tata Liquid Fund
Growth
Launch Date 1 Sep 04
NAV (11 May 21) ₹3,235.88 ↑ 0.29   (0.01 %)
Net Assets (Cr) ₹13,109 on 31 Mar 21
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.34
Sharpe Ratio -1.89
Information Ratio -1.98
Alpha Ratio -0.53
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 3.43%
Effective Maturity 1 Month 7 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,713
30 Apr 18₹11,444
30 Apr 19₹12,300
30 Apr 20₹13,052
30 Apr 21₹13,492

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 ₹200,132.
Net Profit of ₹20,132
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 11 May 21

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 1.5%
1 Year 3.3%
3 Year 5.6%
5 Year 6.1%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.3%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.1%
2013 9.3%
2012 9.8%
2011 9%
Fund Manager information for Tata Liquid Fund
NameSinceTenure
Amit Somani16 Oct 137.54 Yr.
Abhishek Sonthalia6 Feb 201.23 Yr.

Data below for Tata Liquid Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent72.31%
Corporate23.9%
Government3.79%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 13052021
Sovereign Bonds | -
4%₹498 Cr50,000,000
India (Republic of)
Sovereign Bonds | -
4%₹497 Cr50,000,000
↑ 50,000,000
7.94% Govt Stock 2021
Sovereign Bonds | -
3%₹443 Cr44,000,000
↑ 25,000,000
364 DTB 22042021
Sovereign Bonds | -
3%₹374 Cr37,500,000
91 DTB 27052021
Sovereign Bonds | -
2%₹249 Cr25,000,000
91 DTB 06052021
Sovereign Bonds | -
2%₹247 Cr24,766,000
↑ 5,000,000
364 DTB 29042021
Sovereign Bonds | -
2%₹219 Cr22,000,000
91 DTB 29042021
Sovereign Bonds | -
1%₹185 Cr18,500,000
↑ 18,500,000
91 DTB 24062021
Sovereign Bonds | -
1%₹99 Cr10,000,000
↑ 10,000,000
91 DTB 08042021
Sovereign Bonds | -
1%₹97 Cr9,678,100
↓ -152,940,000

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 7.2% since its launch.  Ranked 15 in Liquid Fund category.  Return for 2020 was 4.3% , 2019 was 6.7% and 2018 was 7.4% .

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 (11 May 21) ₹330.446 ↑ 0.03   (0.01 %)
Net Assets (Cr) ₹27,433 on 31 Mar 21
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.28
Sharpe Ratio -1.54
Information Ratio -2.29
Alpha Ratio -0.49
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 3.39%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,710
30 Apr 18₹11,446
30 Apr 19₹12,301
30 Apr 20₹13,052
30 Apr 21₹13,505

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 ₹200,132.
Net Profit of ₹20,132
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 11 May 21

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.5%
1 Year 3.4%
3 Year 5.6%
5 Year 6.2%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.3%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.4%
2014 9.2%
2013 9.3%
2012 9.7%
2011 9%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha18 Jun 0911.87 Yr.
Kaustubh Gupta15 Jul 119.8 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent55.29%
Corporate40.8%
Government3.9%
Credit Quality
RatingValue
AA0.17%
AAA99.83%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.94% Govt Stock 2021
Sovereign Bonds | -
4%₹1,007 Cr100,000,000
↑ 100,000,000
364 DTB 13052021
Sovereign Bonds | -
4%₹996 Cr100,000,000
364 DTB 07052021
Sovereign Bonds | -
3%₹932 Cr93,500,000
↑ 39,500,000
7.80% Govt Stock 2021
Sovereign Bonds | -
2%₹597 Cr59,620,000
364 DTB 27052021
Sovereign Bonds | -
2%₹483 Cr48,500,000
↑ 48,500,000
182 DTB 29042021
Sovereign Bonds | -
1%₹394 Cr39,500,000
91 DTB 06052021
Sovereign Bonds | -
1%₹383 Cr38,406,400
364 DTB 03062021
Sovereign Bonds | -
1%₹348 Cr35,000,000
↑ 35,000,000
91 DTB 22042021
Sovereign Bonds | -
1%₹250 Cr25,000,000
182 DTB27052021
Sovereign Bonds | -
1%₹149 Cr15,000,000
↑ 15,000,000

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 7.4% since its launch.  Ranked 21 in Liquid Fund category.  Return for 2020 was 4.3% , 2019 was 6.6% and 2018 was 7.5% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund
Growth
Launch Date 9 Oct 09
NAV (11 May 21) ₹2,280.61 ↑ 0.19   (0.01 %)
Net Assets (Cr) ₹21,568 on 31 Mar 21
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.16
Sharpe Ratio -2.18
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,714
30 Apr 18₹11,449
30 Apr 19₹12,311
30 Apr 20₹13,061
30 Apr 21₹13,505

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 ₹200,132.
Net Profit of ₹20,132
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 11 May 21

DurationReturns
1 Month 0.3%
3 Month 0.8%
6 Month 1.5%
1 Year 3.3%
3 Year 5.6%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.3%
2019 6.6%
2018 7.5%
2017 6.7%
2016 7.6%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.7%
2011 9%
Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 128.49 Yr.
Aditya Pagaria13 Aug 164.72 Yr.

Data below for Axis Liquid Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent66.73%
Corporate30.73%
Government2.54%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 27052021
Sovereign Bonds | -
6%₹1,219 Cr122,500,000
↑ 122,500,000
91 DTB 27052021
Sovereign Bonds | -
5%₹1,045 Cr105,000,000
↑ 25,000,000
364 DTB 03062021
Sovereign Bonds | -
3%₹751 Cr75,500,000
↑ 75,500,000
182 DTB 13052021
Sovereign Bonds | -
3%₹663 Cr66,500,000
↑ 66,500,000
364 DTB 13052021
Sovereign Bonds | -
3%₹558 Cr56,000,000
↑ 2,500,000
91 DTB 11062021
Sovereign Bonds | -
2%₹373 Cr37,500,000
↑ 37,500,000
91 DTB 30062021
Sovereign Bonds | -
2%₹347 Cr35,000,000
↑ 35,000,000
364 DTB 17062021
Sovereign Bonds | -
1%₹298 Cr30,000,000
↑ 30,000,000
91 DTB 17062021
Sovereign Bonds | -
1%₹298 Cr30,000,000
↑ 30,000,000
91 DTB 13052021
Sovereign Bonds | -
1%₹294 Cr29,500,000

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 7.4% since its launch.  Ranked 20 in Liquid Fund category.  Return for 2020 was 4.3% , 2019 was 6.6% and 2018 was 7.4% .

Below is the key information for ICICI Prudential Liquid Fund

ICICI Prudential Liquid Fund
Growth
Launch Date 17 Nov 05
NAV (11 May 21) ₹304.07 ↑ 0.03   (0.01 %)
Net Assets (Cr) ₹37,777 on 31 Mar 21
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.26
Sharpe Ratio -1.82
Information Ratio -2.61
Alpha Ratio -0.51
Min Investment 500
Min SIP Investment 99
Exit Load NIL
Yield to Maturity 3.39%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,712
30 Apr 18₹11,442
30 Apr 19₹12,294
30 Apr 20₹13,036
30 Apr 21₹13,484

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 ₹200,132.
Net Profit of ₹20,132
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 11 May 21

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 1.5%
1 Year 3.4%
3 Year 5.6%
5 Year 6.1%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.3%
2019 6.6%
2018 7.4%
2017 6.6%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.3%
2012 9.7%
2011 8.9%
Fund Manager information for ICICI Prudential Liquid Fund
NameSinceTenure
Rahul Goswami27 Sep 128.6 Yr.
Rohan Maru19 Sep 137.62 Yr.

Data below for ICICI Prudential Liquid Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent67.46%
Corporate28.19%
Government4.35%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
364 DTB 22042021
Sovereign Bonds | -
7%₹2,496 Cr250,000,000
364 DTB 15042021
Sovereign Bonds | -
5%₹1,888 Cr189,000,000
91 DTB 20052021
Sovereign Bonds | -
4%₹1,673 Cr168,045,700
91 DTB 13052021
Sovereign Bonds | -
4%₹1,666 Cr167,230,000
7.94% Govt Stock 2021
Sovereign Bonds | -
4%₹1,641 Cr163,000,000
↑ 163,000,000
364 DTB 29042021
Sovereign Bonds | -
1%₹499 Cr50,000,000
364 DTB 03062021
Sovereign Bonds | -
1%₹497 Cr50,000,000
↑ 50,000,000
91 DTB 24062021
Sovereign Bonds | -
1%₹496 Cr50,000,000
↑ 50,000,000
7.80% Govt Stock 2021
Sovereign Bonds | -
1%₹406 Cr40,500,000
7.99% PN SDL 2021
Sovereign Bonds | -
1%₹328 Cr32,500,000
↑ 32,500,000

5. 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 7.1% since its launch.  Ranked 11 in Liquid Fund category.  Return for 2020 was 4.3% , 2019 was 6.7% and 2018 was 7.4% .

Below is the key information for Nippon India Liquid Fund 

Nippon India Liquid Fund 
Growth
Launch Date 9 Dec 03
NAV (11 May 21) ₹5,014.42 ↑ 0.41   (0.01 %)
Net Assets (Cr) ₹23,219 on 31 Mar 21
Category Debt - Liquid Fund
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.26
Sharpe Ratio -1.42
Information Ratio -2.21
Alpha Ratio -0.51
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 3.35%
Effective Maturity 1 Month 21 Days
Modified Duration 1 Month 18 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,712
30 Apr 18₹11,446
30 Apr 19₹12,308
30 Apr 20₹13,060
30 Apr 21₹13,506

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 ₹200,132.
Net Profit of ₹20,132
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 11 May 21

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 1.5%
1 Year 3.3%
3 Year 5.6%
5 Year 6.2%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.3%
2019 6.7%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.2%
2012 9.7%
2011 8.9%
Fund Manager information for Nippon India Liquid Fund 
NameSinceTenure
Anju Chhajer1 Oct 137.58 Yr.
Kinjal Desai25 May 182.93 Yr.

Data below for Nippon India Liquid Fund  as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash99.98%
Other0.02%
Debt Sector Allocation
SectorValue
Cash Equivalent69.99%
Corporate28.07%
Government1.93%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.94% Govt Stock 2021
Sovereign Bonds | -
6%₹1,425 Cr141,500,000
↑ 141,500,000
364 DTB 03062021
Sovereign Bonds | -
6%₹1,392 Cr140,000,000
↑ 140,000,000
7.80% Govt Stock 2021
Sovereign Bonds | -
4%₹1,026 Cr102,500,000
↑ 102,500,000
364 DTB 13052021
Sovereign Bonds | -
4%₹959 Cr96,232,500
364 DTB 29042021
Sovereign Bonds | -
2%₹559 Cr56,000,000
91 DTB 15042021
Sovereign Bonds | -
2%₹549 Cr55,000,000
↓ -43,500,000
182 DTB 06052021
Sovereign Bonds | -
2%₹449 Cr45,000,000
↑ 45,000,000
364 DTB 20052021
Sovereign Bonds | -
2%₹408 Cr41,000,000
↑ 41,000,000
91 DTB 17062021
Sovereign Bonds | -
2%₹397 Cr40,000,000
↑ 40,000,000
182 DTB 24062021
Sovereign Bonds | -
1%₹318 Cr32,000,000
↑ 32,000,000

6. SBI Liquid Fund

(Erstwhile SBI - Premier Liquid Fund)

To provide attractive returns to the Magnum/Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt and money market instruments. Income may be generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio.

SBI Liquid Fund is a Debt - Liquid Fund fund was launched on 22 Mar 07. It is a fund with Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 40 in Liquid Fund category.  Return for 2020 was 4.2% , 2019 was 6.5% and 2018 was 7.3% .

Below is the key information for SBI Liquid Fund

SBI Liquid Fund
Growth
Launch Date 22 Mar 07
NAV (11 May 21) ₹3,214.07 ↑ 0.30   (0.01 %)
Net Assets (Cr) ₹41,491 on 31 Mar 21
Category Debt - Liquid Fund
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio -2.64
Information Ratio -3.4
Alpha Ratio -0.54
Min Investment 50,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 3.36%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 16₹10,000
30 Apr 17₹10,700
30 Apr 18₹11,418
30 Apr 19₹12,263
30 Apr 20₹12,988
30 Apr 21₹13,428

SBI 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 ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI 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 11 May 21

DurationReturns
1 Month 0.2%
3 Month 0.8%
6 Month 1.5%
1 Year 3.3%
3 Year 5.5%
5 Year 6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.2%
2019 6.5%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.3%
2014 9%
2013 9.2%
2012 9.6%
2011 9%
Fund Manager information for SBI Liquid Fund
NameSinceTenure
R. Arun7 May 182.98 Yr.

Data below for SBI Liquid Fund as on 31 Mar 21

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent69.89%
Corporate22.19%
Government7.92%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.80% Govt Stock 2021
Sovereign Bonds | -
5%₹2,268 Cr226,500,000
↑ 47,000,000
364 DTB 03062021
Sovereign Bonds | -
5%₹1,989 Cr200,000,000
↑ 200,000,000
7.94% Govt Stock 2021
Sovereign Bonds | -
4%₹1,740 Cr172,825,000
↑ 172,825,000
364 DTB 22042021
Sovereign Bonds | -
4%₹1,497 Cr150,000,000
364 DTB 07052021
Sovereign Bonds | -
3%₹1,281 Cr128,500,000
364 DTB 29042021
Sovereign Bonds | -
2%₹998 Cr100,000,000
364 DTB 27052021
Sovereign Bonds | -
2%₹995 Cr100,000,000
↑ 100,000,000
91 DTB 06052021
Sovereign Bonds | -
2%₹748 Cr75,000,000
182 DTB27052021
Sovereign Bonds | -
1%₹398 Cr40,000,000
↑ 40,000,000
182 DTB 29042021
Sovereign Bonds | -
1%₹299 Cr30,000,000

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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