+91-22-48913909Top 5 Best Low Risk Mutual Funds to Invest in 2026
Generally, a newbie to investment or a senior citizen who wants to secure their funds look for low-risk Mutual Funds. When an investor wants to invest in a low-risk mutual funds it's usually because he needs to secure his money or earn optimal returns in a short duration.
So, if you are one of those you can read more
What are Low Risk Investment Funds?
Many investors look forward to Investing in mutual funds as these offer higher returns and also are more tax efficient than other instruments like fixed deposits. But, when it comes to risk-averse investors, these are investors who are looking for secure returns and can’t tolerate risk in investments. Also, a risk-averse investor won’t prefer investing in equities, as they are highly risky funds.
Debt funds are suited for risk-averse or even a newbie investor who is willing to invest in Mutual Funds. As debt funds invest in government Bonds, Money market funds, etc., they are relatively safer. There are various types of debt funds like Liquid Funds, ultra-short term funds, short term funds, dynamic bonds, gilts funds, etc., that vary in risks. Long term debt funds are risky funds, thus investors with a low-risk appetite should avoid investing in these funds.
Liquid funds and ultra-short term funds are the lowest risky funds that’s aims at generating optimal returns for a short duration. Thus a newbies investor who wants to earn good returns on their idle money within a shorter tenure can invest here.
Talk to our investment specialist
Best Low Risk Mutual Funds FY 26 - 27
Fund Selection Methodology used to find 5 funds
Liquid Funds
Liquid funds invest in securities that have a low maturity period, usually less than 91 days. These funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Investors who want risk-free investment can ideally prefer investing in these funds. Here are the top 5 Best Liquid Funds.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity PGIM India Insta Cash Fund Growth ₹359.831
↑ 0.08 ₹584 1.8 3.2 6.2 6.9 6.5 7.71% 1M 27D 2M 1D Indiabulls Liquid Fund Growth ₹2,672.52
↑ 0.45 ₹271 1.7 3.2 6.1 6.9 6.6 6.13% 1M 1D 1M 1D JM Liquid Fund Growth ₹75.3211
↑ 0.01 ₹2,835 1.7 3.1 6 6.8 6.4 7.11% 1M 23D 1M 27D Axis Liquid Fund Growth ₹3,078.64
↑ 0.63 ₹51,160 1.8 3.2 6.2 6.9 6.6 6.23% 1M 5D 1M 5D Aditya Birla Sun Life Liquid Fund Growth ₹445.36
↑ 0.08 ₹56,604 1.7 3.2 6.2 6.9 6.5 7.73% 2M 5D 2M 5D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary PGIM India Insta Cash Fund Indiabulls Liquid Fund JM Liquid Fund Axis Liquid Fund Aditya Birla Sun Life Liquid Fund Point 1 Bottom quartile AUM (₹584 Cr). Bottom quartile AUM (₹271 Cr). Lower mid AUM (₹2,835 Cr). Upper mid AUM (₹51,160 Cr). Highest AUM (₹56,604 Cr). Point 2 Established history (18+ yrs). Established history (14+ yrs). Oldest track record among peers (28 yrs). Established history (16+ yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Point 5 1Y return: 6.16% (lower mid). 1Y return: 6.14% (bottom quartile). 1Y return: 6.02% (bottom quartile). 1Y return: 6.21% (top quartile). 1Y return: 6.16% (upper mid). Point 6 1M return: 0.56% (top quartile). 1M return: 0.55% (lower mid). 1M return: 0.54% (bottom quartile). 1M return: 0.55% (upper mid). 1M return: 0.54% (bottom quartile). Point 7 Sharpe: 2.13 (bottom quartile). Sharpe: 2.23 (upper mid). Sharpe: 1.79 (bottom quartile). Sharpe: 2.32 (top quartile). Sharpe: 2.18 (lower mid). Point 8 Information ratio: 0.45 (top quartile). Information ratio: 0.33 (upper mid). Information ratio: -0.64 (bottom quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.71% (upper mid). Yield to maturity (debt): 6.13% (bottom quartile). Yield to maturity (debt): 7.11% (lower mid). Yield to maturity (debt): 6.23% (bottom quartile). Yield to maturity (debt): 7.73% (top quartile). Point 10 Modified duration: 0.16 yrs (bottom quartile). Modified duration: 0.09 yrs (top quartile). Modified duration: 0.15 yrs (lower mid). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.18 yrs (bottom quartile). PGIM India Insta Cash Fund
Indiabulls Liquid Fund
JM Liquid Fund
Axis Liquid Fund
Aditya Birla Sun Life Liquid Fund
Ultra Short Term Funds
These funds invest in a combination of debt instruments like treasury bills, commercial papers, certificate of deposits, and corporate bonds. The funds have a lower residual maturity, ranging from 6 months to 1 year. Ultra Short Term fund offer good returns with very less market Volatility. Newbie investors who are looking for better returns than Liquid Funds should prefer investing in these funds, as they provide better returns than liquid funds. Here are the top 5 best ultra-short term funds.
(Erstwhile DHFL Pramerica Insta Cash Plus Fund) To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments. Research Highlights for PGIM India Insta Cash Fund Below is the key information for PGIM India Insta Cash Fund Returns up to 1 year are on 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. Research Highlights for Axis Liquid Fund Below is the key information for Axis Liquid Fund Returns up to 1 year are on The investment objective of the Scheme is to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. However, there can be no assurance that the investment objectives of the Scheme will be realized. Research Highlights for Edelweiss Liquid Fund Below is the key information for Edelweiss Liquid Fund Returns up to 1 year are on 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. Research Highlights for UTI Liquid Cash Plan Below is the key information for UTI Liquid Cash Plan Returns up to 1 year are on The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts Research Highlights for DSP Liquidity Fund Below is the key information for DSP Liquidity Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹580.963
↑ 0.19 ₹19,985 1.6 2.9 6.2 7.3 7.4 7.45% 5M 26D 7M 2D UTI Ultra Short Term Fund Growth ₹4,469.04
↑ 1.09 ₹4,126 1.5 2.8 5.6 6.7 6.6 7.8% 6M 18D 7M 21D BOI AXA Ultra Short Duration Fund Growth ₹3,332.48
↑ 0.49 ₹154 1.6 2.8 5.6 6.3 6.5 6.64% 4M 24D 4M 28D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D ICICI Prudential Ultra Short Term Fund Growth ₹29.3148
↑ 0.01 ₹15,929 1.6 2.9 6 7 7.1 7.73% 5M 16D 6M 29D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund UTI Ultra Short Term Fund BOI AXA Ultra Short Duration Fund Indiabulls Ultra Short Term Fund ICICI Prudential Ultra Short Term Fund Point 1 Highest AUM (₹19,985 Cr). Lower mid AUM (₹4,126 Cr). Bottom quartile AUM (₹154 Cr). Bottom quartile AUM (₹18 Cr). Upper mid AUM (₹15,929 Cr). Point 2 Oldest track record among peers (23 yrs). Established history (22+ yrs). Established history (17+ yrs). Established history (14+ yrs). Established history (15+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 6.15% (top quartile). 1Y return: 5.64% (lower mid). 1Y return: 5.60% (bottom quartile). 1Y return: 4.17% (bottom quartile). 1Y return: 6.01% (upper mid). Point 6 1M return: 0.59% (top quartile). 1M return: 0.52% (lower mid). 1M return: 0.48% (bottom quartile). 1M return: 0.24% (bottom quartile). 1M return: 0.56% (upper mid). Point 7 Sharpe: 1.75 (top quartile). Sharpe: 0.54 (bottom quartile). Sharpe: 0.45 (bottom quartile). Sharpe: 0.98 (lower mid). Sharpe: 1.75 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.45% (lower mid). Yield to maturity (debt): 7.80% (top quartile). Yield to maturity (debt): 6.64% (bottom quartile). Yield to maturity (debt): 3.23% (bottom quartile). Yield to maturity (debt): 7.73% (upper mid). Point 10 Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.55 yrs (bottom quartile). Modified duration: 0.40 yrs (upper mid). Modified duration: 0.00 yrs (top quartile). Modified duration: 0.46 yrs (lower mid). Aditya Birla Sun Life Savings Fund
UTI Ultra Short Term Fund
BOI AXA Ultra Short Duration Fund
Indiabulls Ultra Short Term Fund
ICICI Prudential Ultra Short Term Fund
1. PGIM India Insta Cash Fund
PGIM India Insta Cash Fund
Growth Launch Date 5 Sep 07 NAV (10 Jun 26) ₹359.831 ↑ 0.08 (0.02 %) Net Assets (Cr) ₹584 on 30 Apr 26 Category Debt - Liquid Fund AMC Pramerica Asset Managers Private Limited Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.13 Information Ratio 0.45 Alpha Ratio -0.05 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.71% Effective Maturity 2 Months 1 Day Modified Duration 1 Month 27 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,345 31 May 23 ₹10,989 31 May 24 ₹11,782 31 May 25 ₹12,636 31 May 26 ₹13,413 Returns for PGIM India Insta Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 26 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.2% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.3% 2019 4.2% 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for PGIM India Insta Cash Fund
Name Since Tenure Puneet Pal 16 Jul 22 3.88 Yr. Akhil Dhar 25 Feb 26 0.26 Yr. Data below for PGIM India Insta Cash Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.64% Other 0.36% Debt Sector Allocation
Sector Value Cash Equivalent 74.29% Corporate 17.71% Government 7.64% Credit Quality
Rating Value AA 4.4% AAA 95.6% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -14% ₹90 Cr Bank of Baroda
Debentures | -8% ₹50 Cr 5,000,000 Export Import Bank Of India
Commercial Paper | -8% ₹50 Cr 5,000,000 India (Republic of)
- | -8% ₹50 Cr 5,000,000
↑ 5,000,000 Hsbc Investdirect Financial Services India Limited
Certificate of Deposit | -6% ₹40 Cr 4,000,000 Reliance Retail Ventures Limited
Commercial Paper | -5% ₹35 Cr 3,500,000
↑ 3,500,000 Aadhar Housing Finance Limited
Debentures | -4% ₹25 Cr 2,500,000 Bank Of India
Certificate of Deposit | -4% ₹25 Cr 2,500,000 The Federal Bank Limited
Certificate of Deposit | -4% ₹25 Cr 2,500,000 Kotak Securities Limited
Commercial Paper | -4% ₹25 Cr 2,500,000 2. Axis Liquid Fund
Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (10 Jun 26) ₹3,078.64 ↑ 0.63 (0.02 %) Net Assets (Cr) ₹51,160 on 15 Apr 26 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 2.32 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.23% Effective Maturity 1 Month 5 Days Modified Duration 1 Month 5 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,349 31 May 23 ₹11,001 31 May 24 ₹11,804 31 May 25 ₹12,662 31 May 26 ₹13,446 Returns for Axis Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 26 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.2% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.6% 2023 7.4% 2022 7.1% 2021 4.9% 2020 3.3% 2019 4.3% 2018 6.6% 2017 7.5% 2016 6.7% 2015 7.6% Fund Manager information for Axis Liquid Fund
Name Since Tenure Devang Shah 5 Nov 12 13.58 Yr. Aditya Pagaria 13 Aug 16 9.81 Yr. Sachin Jain 3 Jul 23 2.92 Yr. Data below for Axis Liquid Fund as on 15 Apr 26
Asset Allocation
Asset Class Value Cash 99.8% Other 0.2% Debt Sector Allocation
Sector Value Cash Equivalent 68.85% Corporate 24.16% Government 6.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹1,785 Cr 179,500,000
↑ 4,500,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹1,738 Cr 35,000 Reliance Jio Infocomm Limited
Commercial Paper | -3% ₹1,498 Cr 30,000 Tbill
Sovereign Bonds | -3% ₹1,494 Cr 150,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹1,291 Cr 26,000 Bank of Baroda
Debentures | -2% ₹1,290 Cr 26,000
↑ 6,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹1,247 Cr 25,000 India (Republic of)
- | -2% ₹1,230 Cr 123,560,400 Tata Steel Ltd.
Commercial Paper | -2% ₹995 Cr 20,000 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹991 Cr 20,000 3. Edelweiss Liquid Fund
Edelweiss Liquid Fund
Growth Launch Date 21 Sep 07 NAV (10 Jun 26) ₹3,535.61 ↑ 0.64 (0.02 %) Net Assets (Cr) ₹15,091 on 30 Apr 26 Category Debt - Liquid Fund AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 2.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.42% Effective Maturity 2 Months 8 Days Modified Duration 2 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,329 31 May 23 ₹10,961 31 May 24 ₹11,747 31 May 25 ₹12,596 31 May 26 ₹13,376 Returns for Edelweiss Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 26 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.2% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 6.9% 2021 4.7% 2020 3.2% 2019 4.1% 2018 6.6% 2017 7.4% 2016 6.6% 2015 6.8% Fund Manager information for Edelweiss Liquid Fund
Name Since Tenure Rahul Dedhia 11 Dec 17 8.48 Yr. Hetul Raval 22 Sep 25 0.69 Yr. Data below for Edelweiss Liquid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.81% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 59.03% Corporate 27.51% Government 13.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Axis Bank Limited
Certificate of Deposit | -4% ₹522 Cr 52,500,000 India (Republic of)
- | -3% ₹494 Cr 50,000,000
↑ 50,000,000 India (Republic of)
- | -3% ₹494 Cr 50,000,000
↑ 50,000,000 Reverse Repo
CBLO/Reverse Repo | -3% ₹472 Cr Indian Bank
Certificate of Deposit | -3% ₹449 Cr 45,000,000 Titan Company Ltd R Vd
Commercial Paper | -3% ₹397 Cr 40,000,000 11/06/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹374 Cr 37,500,000 India (Republic of)
- | -2% ₹349 Cr 35,000,000 Export-Import Bank Of India
Certificate of Deposit | -2% ₹349 Cr 35,000,000 Bank of Baroda
Debentures | -2% ₹344 Cr 35,000,000
↑ 35,000,000 4. UTI Liquid Cash Plan
UTI Liquid Cash Plan
Growth Launch Date 11 Dec 03 NAV (10 Jun 26) ₹4,534.92 ↑ 0.84 (0.02 %) Net Assets (Cr) ₹31,184 on 30 Apr 26 Category Debt - Liquid Fund AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 2.31 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,500 Exit Load NIL Yield to Maturity 7.55% Effective Maturity 2 Months 6 Days Modified Duration 2 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,347 31 May 23 ₹10,995 31 May 24 ₹11,791 31 May 25 ₹12,645 31 May 26 ₹13,424 Returns for UTI Liquid Cash Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 26 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.2% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.3% 2022 7% 2021 4.8% 2020 3.3% 2019 4.2% 2018 6.6% 2017 7.4% 2016 6.7% 2015 7.7% Fund Manager information for UTI Liquid Cash Plan
Name Since Tenure Amit Sharma 7 Jul 17 8.91 Yr. Data below for UTI Liquid Cash Plan as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 76.28% Corporate 18.23% Government 5.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -19% ₹5,656 Cr India (Republic of)
- | -3% ₹897 Cr 9,000,000,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹891 Cr 9,000,000,000
↓ -1,000,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹748 Cr 7,500,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹747 Cr 7,500,000,000
↓ -2,500,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹746 Cr 7,500,000,000 Icici Securities Limited
Commercial Paper | -2% ₹598 Cr 6,000,000,000 HDFC Bank Limited
Certificate of Deposit | -2% ₹548 Cr 5,500,000,000 Bank of India Ltd.
Debentures | -2% ₹499 Cr 5,000,000,000 Canara Bank
Certificate of Deposit | -2% ₹498 Cr 5,000,000,000 5. DSP Liquidity Fund
DSP Liquidity Fund
Growth Launch Date 23 Nov 05 NAV (10 Jun 26) ₹3,946.63 ↑ 0.79 (0.02 %) Net Assets (Cr) ₹22,480 on 15 Apr 26 Category Debt - Liquid Fund AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.21 Sharpe Ratio 2.38 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.48% Effective Maturity 2 Months 1 Day Modified Duration 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 31 May 21 ₹10,000 31 May 22 ₹10,345 31 May 23 ₹10,986 31 May 24 ₹11,782 31 May 25 ₹12,637 31 May 26 ₹13,416 Returns for DSP Liquidity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jun 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.2% 1 Year 6.2% 3 Year 6.9% 5 Year 6.1% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.5% 2023 7.4% 2022 7% 2021 4.8% 2020 3.3% 2019 4.2% 2018 6.5% 2017 7.4% 2016 6.6% 2015 7.6% Fund Manager information for DSP Liquidity Fund
Name Since Tenure Karan Mundhra 31 May 21 5 Yr. Shalini Vasanta 1 Aug 24 1.83 Yr. Kunal Khudania 1 Jan 26 0.41 Yr. Data below for DSP Liquidity Fund as on 15 Apr 26
Asset Allocation
Asset Class Value Cash 99.77% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 75.02% Corporate 16.62% Government 8.13% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -5% ₹995 Cr 99,650,000
↑ 20,000,000 India (Republic of)
- | -3% ₹693 Cr 70,000,000 Day Tbill
Sovereign Bonds | -3% ₹569 Cr 57,000,000
↑ 28,500,000 28/05/2026 Maturing 364 DTB
Sovereign Bonds | -2% ₹524 Cr 52,500,000
↑ 25,000,000 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹501 Cr Tata Steel Limited
Commercial Paper | -2% ₹498 Cr 10,000 Export-Import Bank Of India
Certificate of Deposit | -2% ₹474 Cr 9,500 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹448 Cr Net Receivables/Payables
CBLO | -2% ₹413 Cr National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹397 Cr 8,000
Frequently Asked Questions
1. How can I choose the best fund?
A. The investment choice is based upon a variety of factors, like the fund managers, historical returns, fees and loads, investment style, investment objective, investment horizon and more. Thus, to pick the best fund, make sure you analyze every important factor cautiously before moving ahead.
2. What is the appropriate investment type that has the lowest risk?
A. Because of the unpredictable situation of the economy and the availability of varying investment options, it is quite difficult to evaluate a safe option. However, some of the options that you can consider include bank fixed deposits, municipal bonds, certificate of deposits, and more.
3. What is the use of a mutual fund calculator?
A. The mutual fund calculator offers an investment value at maturity by evaluating the returns according to the investment horizon. You can set different variables of the calculator, like duration, anticipated return rate, frequency, investment amount and more to figure out your benefits.
4. How much can I invest?
A. The amount mainly depends upon your requirements, budget and objectives of the investment. However, keep in mind that you only invest the surplus money, irrespective of the amount.
5. Is there a right time to invest?
A. There is no right time to invest. For better and best returns, it is recommended that you should start investing right away.
6. Do I need a bank account to invest in mutual funds?
A. Yes, it is necessary to have a bank account with KYC/cKYC, aadhaar card and PAN Card to invest in mutual funds.
7. Is it necessary to contact a fund manager?
A. Yes! When investing in mutual funds, experience plays a major role so as to generate good performance. The more the experience, the better will be the possibility of gaining the best returns. Thus, make sure that you get in touch with an experienced fund manager.
8. Can I withdraw my invested money?
A. Most of the schemes in a mutual fund are open-end schemes. This allows you to withdraw the entire invested amount at any point in time. However, there could be a few situations where you may experience restrictions.
9. Would I have to pay any penalty if I withdraw early?
A. If you have invested in open-end schemes, you may not have to pay the penalty. However, some schemes might not be as liquid as the others. So, you will have to re-check this factor before investing.
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.
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2026 Shepard Technologies Private Limited. All Rights Reserved
It was very valuable useful messages messagesThankyou
Very Good
good information on funds. appreciated!!!