fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-62820123
6 Best Performing Liquid Mutual Funds to Invest in 2022 | Fincash.com

Fincash » Mutual Funds » Best Liquid Funds

6 Best Liquid Mutual Funds 2022

Updated on October 2, 2022 , 125300 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.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

6 Best Liquid Funds India FY 22 - 23

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2021 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Liquid Fund Growth ₹2,406.62
↑ 0.40
₹29,2630.51.32.34.23.35.7%30D1M 1D
UTI Liquid Cash Plan Growth ₹3,549.72
↑ 0.56
₹32,8570.51.32.34.13.35.66%28D28D
SBI Liquid Fund Growth ₹3,387.95
↑ 0.56
₹65,4410.41.32.34.13.35.67%1M 10D1M 13D
Aditya Birla Sun Life Liquid Fund Growth ₹348.475
↑ 0.06
₹42,4930.41.32.34.13.35.83%1M 10D1M 10D
DSP BlackRock Liquidity Fund Growth ₹3,089.5
↑ 0.50
₹12,2260.41.32.34.13.35.68%25D29D
IDFC Cash Fund Growth ₹2,617.29
↑ 0.47
₹12,3670.41.32.34.13.25.72%1M 13D1M 14D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Oct 22
*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. 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% since its launch.  Ranked 21 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.3% and 2019 was 6.6% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund
Growth
Launch Date 9 Oct 09
NAV (05 Oct 22) ₹2,406.62 ↑ 0.40   (0.02 %)
Net Assets (Cr) ₹29,263 on 31 Aug 22
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0
Sharpe Ratio -1.93
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 5.7%
Effective Maturity 1 Month 1 Day
Modified Duration 30 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹10,716
30 Sep 19₹11,488
30 Sep 20₹12,049
30 Sep 21₹12,434
30 Sep 22₹12,943

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 ₹197,169.
Net Profit of ₹17,169
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 5 Oct 22

DurationReturns
1 Month 0.5%
3 Month 1.3%
6 Month 2.3%
1 Year 4.2%
3 Year 4.1%
5 Year 5.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
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%
Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 129.83 Yr.
Aditya Pagaria13 Aug 166.05 Yr.

Data below for Axis Liquid Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent80.51%
Corporate11.33%
Government8.16%
Credit Quality
RatingValue
AA0.23%
AAA99.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
15%₹3,999 Cr
Reliance Industries Limited
CBLO/Reverse Repo | -
5%₹1,451 Cr
91 Dtb 29092022
Sovereign Bonds | -
4%₹1,138 Cr114,000,000
↓ -5,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹988 Cr20,000
↑ 20,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹889 Cr18,000
↑ 18,000
L&T Finance Limited
Commercial Paper | -
3%₹773 Cr15,500
↑ 15,500
Indian Bank
Certificate of Deposit | -
3%₹747 Cr15,000
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹595 Cr12,000
Punjab National Bank
Certificate of Deposit | -
2%₹498 Cr10,000
L&T Metro Rail (Hyderabad) Limited
Commercial Paper | -
2%₹497 Cr10,000

2. 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 6.8% since its launch.  Ranked 32 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.2% and 2019 was 6.6% .

Below is the key information for UTI Liquid Cash Plan

UTI Liquid Cash Plan
Growth
Launch Date 11 Dec 03
NAV (05 Oct 22) ₹3,549.72 ↑ 0.56   (0.02 %)
Net Assets (Cr) ₹32,857 on 31 Aug 22
Category Debt - Liquid Fund
AMC UTI Asset Management Company Ltd
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio -2.39
Information Ratio -5.33
Alpha Ratio -0.26
Min Investment 500
Min SIP Investment 1,500
Exit Load NIL
Yield to Maturity 5.66%
Effective Maturity 28 Days
Modified Duration 28 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹10,713
30 Sep 19₹11,485
30 Sep 20₹12,032
30 Sep 21₹12,417
30 Sep 22₹12,922

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 ₹197,169.
Net Profit of ₹17,169
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 5 Oct 22

DurationReturns
1 Month 0.5%
3 Month 1.3%
6 Month 2.3%
1 Year 4.1%
3 Year 4%
5 Year 5.3%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.2%
2019 6.6%
2018 7.4%
2017 6.7%
2016 7.7%
2015 8.3%
2014 9.1%
2013 9.1%
2012 9.6%
Fund Manager information for UTI Liquid Cash Plan
NameSinceTenure
Amandeep Chopra14 Dec 0615.72 Yr.
Amit Sharma7 Jul 175.15 Yr.

Data below for UTI Liquid Cash Plan as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent88.05%
Government7.01%
Corporate4.94%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
22%₹6,939 Cr
91 Dtb 22092022
Sovereign Bonds | -
4%₹1,284 Cr12,850,000,000
91 Dtb 29092022
Sovereign Bonds | -
3%₹1,028 Cr10,300,000,000
91 DTB 27102022
Sovereign Bonds | -
3%₹994 Cr10,000,000,000
91 DTB 03112022
Sovereign Bonds | -
3%₹844 Cr8,500,000,000
Hindustan Petroleum Corporation Limited
Commercial Paper | -
3%₹797 Cr8,000,000,000
91 DTB 15122022
Sovereign Bonds | -
2%₹789 Cr8,000,000,000
↑ 8,000,000,000
91 DTB 08122022
Sovereign Bonds | -
2%₹740 Cr7,500,000,000
↑ 7,500,000,000
Indian Bank
Certificate of Deposit | -
2%₹698 Cr7,000,000,000
↓ -1,000,000,000
Indian Oil Corporation Limited
Commercial Paper | -
2%₹697 Cr7,000,000,000

3. 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 6.9% since its launch.  Ranked 40 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.2% and 2019 was 6.5% .

Below is the key information for SBI Liquid Fund

SBI Liquid Fund
Growth
Launch Date 22 Mar 07
NAV (04 Oct 22) ₹3,387.95 ↑ 0.56   (0.02 %)
Net Assets (Cr) ₹65,441 on 31 Aug 22
Category Debt - Liquid Fund
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.26
Sharpe Ratio -2.56
Information Ratio -4.94
Alpha Ratio -0.32
Min Investment 50,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.67%
Effective Maturity 1 Month 13 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹10,703
30 Sep 19₹11,458
30 Sep 20₹12,003
30 Sep 21₹12,385
30 Sep 22₹12,881

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 ₹197,169.
Net Profit of ₹17,169
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 5 Oct 22

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.3%
1 Year 4.1%
3 Year 4%
5 Year 5.2%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
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%
Fund Manager information for SBI Liquid Fund
NameSinceTenure
R. Arun7 May 184.32 Yr.

Data below for SBI Liquid Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash96.07%
Debt3.93%
Debt Sector Allocation
SectorValue
Cash Equivalent77.41%
Government17.16%
Corporate5.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 01122022
Sovereign Bonds | -
6%₹4,362 Cr441,398,000
Treps
CBLO/Reverse Repo | -
6%₹4,026 Cr
91 DTB 24112022
Sovereign Bonds | -
5%₹3,695 Cr373,500,000
Canara Bank
Certificate of Deposit | -
4%₹2,988 Cr60,000
Small Industries Development Bank Of India
Commercial Paper | -
4%₹2,983 Cr60,000
Housing Development Finance Corporation Limited
Commercial Paper | -
4%₹2,983 Cr60,000
91 DTB 10112022
Sovereign Bonds | -
4%₹2,563 Cr258,487,100
Reliance Jio Infocomm Limited
Commercial Paper | -
4%₹2,500 Cr50,000
HDFC Bank Limited
Certificate of Deposit | -
3%₹1,999 Cr40,000
Indian Oil Corporation Limited
Commercial Paper | -
3%₹1,998 Cr40,000

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% since its launch.  Ranked 15 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.3% and 2019 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 (04 Oct 22) ₹348.475 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹42,493 on 31 Aug 22
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.33
Sharpe Ratio -2.01
Information Ratio -4.54
Alpha Ratio -0.28
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.83%
Effective Maturity 1 Month 10 Days
Modified Duration 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹10,711
30 Sep 19₹11,491
30 Sep 20₹12,052
30 Sep 21₹12,434
30 Sep 22₹12,938

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 ₹197,169.
Net Profit of ₹17,169
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 5 Oct 22

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.3%
1 Year 4.1%
3 Year 4%
5 Year 5.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
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%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha15 Jul 1111.14 Yr.
Kaustubh Gupta15 Jul 1111.14 Yr.
Sanjay Pawar1 Jul 220.17 Yr.
Harshil Suvarnkar9 Jun 211.23 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent73.49%
Government15.43%
Corporate11.08%
Credit Quality
RatingValue
AA0.07%
AAA99.93%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reverse Repo
CBLO/Reverse Repo | -
17%₹7,705 Cr
Net Receivables / (Payables)
CBLO | -
5%-₹2,107 Cr
Reliance Jio Infocomm Limited
Commercial Paper | -
3%₹1,241 Cr25,000
Punjab National Bank
Certificate of Deposit | -
2%₹1,143 Cr23,000
Indian Bank
Certificate of Deposit | -
2%₹1,034 Cr20,740
↓ -9,260
The Federal Bank Limited
Certificate of Deposit | -
2%₹990 Cr20,000
Adani Ports And SPecial Economic Zone Limited
Commercial Paper | -
2%₹699 Cr14,000
Adani Ports And Special Economic Zone Limited
Commercial Paper | -
2%₹698 Cr14,000
↑ 14,000
Indian Bank
Certificate of Deposit | -
1%₹695 Cr14,000
↑ 14,000
Reliance Retail Ventures Limited
Commercial Paper | -
1%₹692 Cr14,000
↑ 3,000

5. DSP BlackRock Liquidity Fund

The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts

DSP BlackRock Liquidity Fund is a Debt - Liquid Fund fund was launched on 23 Nov 05. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 36 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.2% and 2019 was 6.5% .

Below is the key information for DSP BlackRock Liquidity Fund

DSP BlackRock Liquidity Fund
Growth
Launch Date 23 Nov 05
NAV (04 Oct 22) ₹3,089.5 ↑ 0.50   (0.02 %)
Net Assets (Cr) ₹12,226 on 31 Aug 22
Category Debt - Liquid Fund
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Low
Expense Ratio 0.24
Sharpe Ratio -2.39
Information Ratio -3.37
Alpha Ratio -0.26
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.68%
Effective Maturity 29 Days
Modified Duration 25 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹10,710
30 Sep 19₹11,471
30 Sep 20₹12,013
30 Sep 21₹12,393
30 Sep 22₹12,898

DSP BlackRock Liquidity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for DSP BlackRock Liquidity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Oct 22

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.3%
1 Year 4.1%
3 Year 4%
5 Year 5.2%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.2%
2019 6.5%
2018 7.4%
2017 6.6%
2016 7.6%
2015 8.3%
2014 9%
2013 9.2%
2012 9.7%
Fund Manager information for DSP BlackRock Liquidity Fund
NameSinceTenure
Kedar Karnik17 Jul 166.13 Yr.
Karan Mundhra31 May 211.25 Yr.

Data below for DSP BlackRock Liquidity Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent81.73%
Government13.4%
Corporate4.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
22%₹2,668 Cr
Indian Oil Corporation Limited
Commercial Paper | -
6%₹697 Cr14,000
182 Dtb 22092022
Sovereign Bonds | -
4%₹455 Cr45,500,000
Indian Bank
Certificate of Deposit | -
3%₹399 Cr8,000
Housing Development Finance Corporation Limited
Commercial Paper | -
2%₹300 Cr6,000
Canara Bank
Certificate of Deposit | -
2%₹299 Cr6,000
HDFC Bank Limited
Certificate of Deposit | -
2%₹299 Cr6,000
TATA Steel Limited
Commercial Paper | -
2%₹299 Cr6,000
Indian Oil Corporation Limited
Commercial Paper | -
2%₹225 Cr4,500
Indian Bank
Certificate of Deposit | -
2%₹199 Cr4,000

6. IDFC Cash Fund

To generate optimal returns with high liquidity by investing in high quality money market and debt instruments. However there is no assurance that the investment objective of the scheme will be realized.

IDFC Cash Fund is a Debt - Liquid Fund fund was launched on 4 Jun 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 26 in Liquid Fund category.  Return for 2021 was 3.2% , 2020 was 4% and 2019 was 6.3% .

Below is the key information for IDFC Cash Fund

IDFC Cash Fund
Growth
Launch Date 4 Jun 08
NAV (04 Oct 22) ₹2,617.29 ↑ 0.47   (0.02 %)
Net Assets (Cr) ₹12,367 on 31 Aug 22
Category Debt - Liquid Fund
AMC IDFC Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio -2.64
Information Ratio -5.99
Alpha Ratio -0.27
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 5.72%
Effective Maturity 1 Month 14 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 17₹10,000
30 Sep 18₹10,707
30 Sep 19₹11,447
30 Sep 20₹11,971
30 Sep 21₹12,350
30 Sep 22₹12,849

IDFC Cash Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDFC Cash Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Oct 22

DurationReturns
1 Month 0.4%
3 Month 1.3%
6 Month 2.3%
1 Year 4.1%
3 Year 3.9%
5 Year 5.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.2%
2020 4%
2019 6.3%
2018 7.3%
2017 6.6%
2016 7.6%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.6%
Fund Manager information for IDFC Cash Fund
NameSinceTenure
Harshal Joshi15 Sep 156.96 Yr.
Brijesh Shah1 Dec 210.75 Yr.

Data below for IDFC Cash Fund as on 31 Aug 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent73.56%
Corporate21.51%
Government4.92%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Triparty Repo
CBLO/Reverse Repo | -
23%₹2,987 Cr
National Bank For Agriculture And Rural Development
Commercial Paper | -
8%₹988 Cr100,000,000
↑ 100,000,000
HDFC Bank Limited
Certificate of Deposit | -
4%₹570 Cr57,500,000
Bank Of Baroda
Certificate of Deposit | -
4%₹495 Cr50,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹494 Cr50,000,000
Reliance Jio Infocomm Limited
Commercial Paper | -
4%₹493 Cr50,000,000
↑ 50,000,000
HDFC Bank Limited
Certificate of Deposit | -
3%₹448 Cr45,000,000
Canara Bank
Certificate of Deposit | -
3%₹398 Cr40,000,000
Kotak Mahindra Bank Limited **
Certificate of Deposit | -
3%₹396 Cr40,000,000
↑ 40,000,000
Bajaj Finance Limited
Commercial Paper | -
3%₹346 Cr35,000,000

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.
How helpful was this page ?
Rated 4.4, based on 217 reviews.
POST A COMMENT

1 - 3 of 3