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6 Best Performing Liquid Mutual Funds 2019 - 2020 - Fincash.com

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Best Liquid Mutual Funds 2019 - 2020

Updated on January 16, 2019 , 3164 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 2019 - 2020

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2017 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Liquid Fund Growth ₹2,035.42
↑ 0.43
₹23,7230.61.93.77.57.57.35%1M 8D1M 11D
Reliance Liquid Fund  Growth ₹4,474.34
↑ 0.91
₹42,8110.61.93.87.57.47.66%1M 12D1M 15D
Tata Liquid Fund Growth ₹2,890.89
↑ 1.12
₹20,0910.61.93.77.57.47.47%1M 6D1M 6D
Invesco India Liquid Fund Growth ₹2,525.95
↑ 0.50
₹10,6340.61.93.77.57.47.22%1M 12D1M 14D
Aditya Birla Sun Life Liquid Fund Growth ₹294.763
↑ 0.06
₹62,3100.61.93.77.57.47.42%1M 6D1M 6D
ICICI Prudential Liquid Fund Growth ₹271.529
↑ 0.06
₹66,1200.61.93.77.47.47.45%1M 7D1M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Jan 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 (18 Jan 19) ₹2,035.42 ↑ 0.43   (0.02 %)
Net Assets (Cr) ₹23,723 on 30 Nov 18
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.14
Sharpe Ratio 21.33
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.35%
Effective Maturity 1 Month 11 Days
Modified Duration 1 Month 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹10,910
31 Dec 15₹11,821
31 Dec 16₹12,724
31 Dec 17₹13,578
31 Dec 18₹14,590

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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 1.9%
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
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%
2008
Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 125.99 Yr.
Aditya Pagaria13 Aug 162.22 Yr.

Data below for Axis Liquid Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash113.09%
Debt Sector Allocation
SectorValue
Cash Equivalent89.04%
Corporate22.3%
Government1.75%
Credit Quality
RatingValue
AA0.46%
AAA99.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Receivables | -
13%-₹2,621 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
5%₹984 Cr19,800
↓ -200
NTPC LIMITED
Commercial Paper | -
4%₹784 Cr15,800
↓ -200
VIJAYA BANK
Certificate of Deposit | -
4%₹740 Cr75,000
↑ 75,000
LARSEN AND TOUBRO LIMITED
Commercial Paper | -
3%₹597 Cr12,000
↑ 12,000
Indusind Bank Limited (10/01/2019) ** #
Net Current Assets | -
2%₹499 Cr50,000,000
↑ 50,000,000
GRASIM INDUSTRIES LIMITED
Commercial Paper | -
2%₹494 Cr9,900
ICICI BANK LIMITED
Certificate of Deposit | -
2%₹493 Cr49,500
↓ -500
BAMNIPAL STEEL LIMITED
Commercial Paper | -
2%₹492 Cr9,900
↓ -100
SUN PHARMACEUTICAL INDUSTRIES LIMITED
Commercial Paper | -
2%₹488 Cr9,800
↓ -100

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 (18 Jan 19) ₹4,474.34 ↑ 0.91   (0.02 %)
Net Assets (Cr) ₹42,811 on 30 Nov 18
Category Debt - Liquid Fund
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 0.18
Sharpe Ratio 19.89
Information Ratio 0.16
Alpha Ratio 0.7
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.66%
Effective Maturity 1 Month 15 Days
Modified Duration 1 Month 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹10,911
31 Dec 15₹11,821
31 Dec 16₹12,726
31 Dec 17₹13,577
31 Dec 18₹14,588

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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 1.9%
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
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%
2008 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 30 Nov 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent60%
Corporate38.49%
Government1.52%
Credit Quality
RatingValue
AA0.3%
AAA99.7%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
12%-₹4,600 Cr
Deutsche Bank Ag
Certificate of Deposit | -
3%₹1,025 Cr
Reliance Jio Infocomm Limited
Commercial Paper | -
3%₹988 Cr20,000
↑ 20,000
VIJAYA BANK
Certificate of Deposit | -
3%₹987 Cr100,000
↑ 100,000
NATIONAL HOUSING BANK
Commercial Paper | -
3%₹987 Cr20,000
↑ 20,000
VIJAYA BANK
Certificate of Deposit | -
3%₹986 Cr100,000
↑ 100,000
Reliance Jio Infocomm Limited
Commercial Paper | -
3%₹975 Cr19,600
↓ -200
INDUSIND BANK LIMITED
Certificate of Deposit | -
3%₹933 Cr94,000
↓ -1,000
INDIAN BANK
Certificate of Deposit | -
2%₹913 Cr92,500
↑ 92,500
91 DTB 14022019
Sovereign Bonds | -
2%₹612 Cr61,713,700
↓ -10,000,000

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 (20 Jan 19) ₹2,890.89 ↑ 1.12   (0.04 %)
Net Assets (Cr) ₹20,091 on 30 Nov 18
Category Debt - Liquid Fund
AMC Tata Asset Management Limited
Rating
Risk Low
Expense Ratio 0.21
Sharpe Ratio 21.85
Information Ratio 0.11
Alpha Ratio 0.98
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.47%
Effective Maturity 1 Month 6 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹10,911
31 Dec 15₹11,822
31 Dec 16₹12,727
31 Dec 17₹13,577
31 Dec 18₹14,586

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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.5%
3 Year 7.3%
5 Year 7.8%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2008 5.5%
Fund Manager information for Tata Liquid Fund
NameSinceTenure
Amit Somani16 Oct 135.04 Yr.

Data below for Tata Liquid Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent85.67%
Corporate13.42%
Government0.91%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Liabilities
Certificate of Deposit | -
11%-₹2,028 Cr
National Bank For Agriculture And Rural Development
Commercial Paper | -
5%₹994 Cr20,000
91 DTB 28032019
Sovereign Bonds | -
4%₹807 Cr81,950,600
↑ 81,950,600
POWER FINANCE CORPORATION LIMITED
Commercial Paper | -
4%₹798 Cr16,000
Indusind Bank Ltd
Certificate of Deposit | -
4%₹750 Cr
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
4%₹744 Cr15,000
↑ 15,000
PNB HOUSING FINANCE LIMITED
Commercial Paper | -
3%₹600 Cr12,000
THE FEDERAL BANK LIMITED
Certificate of Deposit | -
3%₹499 Cr50,000
↑ 50,000
INDUS TOWERS LIMITED
Commercial Paper | -
3%₹499 Cr10,000
182 DTB 24012019
Sovereign Bonds | -
3%₹498 Cr50,000,000
↑ 50,000,000

4. Invesco India Liquid Fund

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

Invesco India Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 06. It is a fund with Low risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 9 in Liquid Fund category.  Return for 2018 was 7.4% , 2017 was 6.7% and 2016 was 7.6% .

Below is the key information for Invesco India Liquid Fund

Invesco India Liquid Fund
Growth
Launch Date 17 Nov 06
NAV (18 Jan 19) ₹2,525.95 ↑ 0.50   (0.02 %)
Net Assets (Cr) ₹10,634 on 30 Nov 18
Category Debt - Liquid Fund
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Low
Expense Ratio 0.1
Sharpe Ratio 22.42
Information Ratio 0.13
Alpha Ratio 1.09
Min Investment 5,000
Min SIP Investment
Exit Load NIL
Yield to Maturity 7.22%
Effective Maturity 1 Month 14 Days
Modified Duration 1 Month 12 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹10,911
31 Dec 15₹11,827
31 Dec 16₹12,730
31 Dec 17₹13,583
31 Dec 18₹14,591

Invesco 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 Invesco 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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 1.9%
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
2017 7.4%
2016 6.7%
2015 7.6%
2014 8.4%
2013 9.1%
2012 9.2%
2011 9.7%
2010 9%
2009 5.5%
2008 5.4%
Fund Manager information for Invesco India Liquid Fund
NameSinceTenure
Krishna Cheemalapati25 Apr 117.53 Yr.
Abhishek Bandiwdekar24 Jul 180.27 Yr.

Data below for Invesco India Liquid Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent73.91%
Corporate26.03%
Government0.06%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Net Current Assets | -
23%-₹1,856 Cr
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹323 Cr32,500,000
BAJAJ FINANCE LIMITED
Commercial Paper | -
4%₹296 Cr30,000,000
↑ 30,000,000
SHREE CEMENT LIMITED
Commercial Paper | -
4%₹296 Cr30,000,000
↑ 30,000,000
VIJAYA BANK
Certificate of Deposit | -
4%₹293 Cr29,500,000
↑ 29,500,000
NTPC Limited
Commercial Paper | -
3%₹284 Cr28,500,000
↓ -1,500,000
Indian Bank
Certificate of Deposit | -
3%₹255 Cr25,670,000
↓ -500,000
IDFC BANK LIMITED
Certificate of Deposit | -
3%₹248 Cr25,000,000
↓ -1,000,000
GRASIM INDUSTRIES LIMITED
Commercial Paper | -
3%₹247 Cr25,000,000
↑ 25,000,000
AXIS FINANCE LIMITED
Commercial Paper | -
3%₹243 Cr24,500,000
↓ -500,000

5. 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 (18 Jan 19) ₹294.763 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹62,310 on 30 Nov 18
Category Debt - Liquid Fund
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio 20.18
Information Ratio 0.19
Alpha Ratio 0.81
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.42%
Effective Maturity 1 Month 6 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹10,918
31 Dec 15₹11,833
31 Dec 16₹12,744
31 Dec 17₹13,596
31 Dec 18₹14,604

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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.5%
3 Year 7.3%
5 Year 7.9%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2008 5.5%
Fund Manager information for Aditya Birla Sun Life Liquid Fund
NameSinceTenure
Sunaina Cunha18 Jun 099.38 Yr.
Kaustubh Gupta15 Jul 117.3 Yr.

Data below for Aditya Birla Sun Life Liquid Fund as on 30 Nov 18

Asset Allocation
Asset ClassValue
Cash105.85%
Debt Sector Allocation
SectorValue
Cash Equivalent74.34%
Corporate30.26%
Government1.25%
Credit Quality
RatingValue
AA2.49%
AAA97.51%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Receivables / (Payables)
Receivables | -
6%-₹3,130 Cr
91 DTB 14022019
Sovereign Bonds | -
2%₹1,026 Cr103,480,900
↓ -500,000
7.11% Union Bank Of India (29/03/2019)
Certificate of Deposit | -
2%₹1,000 Cr
STEEL AUTHORITY OF INDIA LIMITED
Commercial Paper | -
2%₹991 Cr19,900
Indusind Bank Limited (15/02/2019) #
Net Current Assets | -
2%₹991 Cr100,000,000
↑ 100,000,000
BAMNIPAL STEEL LIMITED
Commercial Paper | -
2%₹989 Cr19,900
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
2%₹962 Cr19,500
↑ 19,500
L&T FINANCE LIMITED
Commercial Paper | -
2%₹938 Cr19,000
↑ 19,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
2%₹897 Cr18,040
↑ 1,540
7.60% Indusind Bank Limited (27/02/2019)
Certificate of Deposit | -
1%₹750 Cr

6. 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 (18 Jan 19) ₹271.529 ↑ 0.06   (0.02 %)
Net Assets (Cr) ₹66,120 on 30 Nov 18
Category Debt - Liquid Fund
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0.15
Sharpe Ratio 18.89
Information Ratio -0.09
Alpha Ratio 0.5
Min Investment 500
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.45%
Effective Maturity 1 Month 9 Days
Modified Duration 1 Month 7 Days

Growth of 10,000 investment over the years.

DateValue
31 Dec 13₹10,000
31 Dec 14₹10,912
31 Dec 15₹11,821
31 Dec 16₹12,727
31 Dec 17₹13,572
31 Dec 18₹14,575

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 18 Jan 19

DurationReturns
1 Month 0.6%
3 Month 1.9%
6 Month 3.7%
1 Year 7.4%
3 Year 7.2%
5 Year 7.8%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2008 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 30 Nov 18

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent71.53%
Corporate28.47%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Net Current Assets
Net Current Assets | -
8%-₹4,603 Cr
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Commercial Paper | -
4%₹1,987 Cr40,000
Tata Sons Limited
Commercial Paper | -
3%₹1,536 Cr31,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹1,490 Cr149,500
ORIENTAL BANK OF COMMERCE
Certificate of Deposit | -
3%₹1,487 Cr150,000
↑ 150,000
AXIS BANK LIMITED
Certificate of Deposit | -
3%₹1,477 Cr150,000
↑ 150,000
RELIANCE JIO INFOCOMM LIMITED
Commercial Paper | -
2%₹1,242 Cr25,000
SUN PHARMACEUTICAL INDUSTRIES LIMITED
Commercial Paper | -
2%₹1,093 Cr22,000
↑ 22,000
Housing Development Finance Corporation Limited
Commercial Paper | -
2%₹1,072 Cr21,500
LIC HOUSING FINANCE LIMITED
Commercial Paper | -
2%₹997 Cr20,000

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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