+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.
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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 (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,654.86
↑ 0.43 ₹162 1.6 3.1 6.2 6.9 6.6 7.48% PGIM India Insta Cash Fund Growth ₹357.363
↑ 0.06 ₹650 1.7 3.1 6.2 6.9 6.5 5.89% 1M 3D 1M 6D JM Liquid Fund Growth ₹74.8357
↑ 0.01 ₹2,567 1.6 3 6.1 6.8 6.4 6.07% 1M 5D 1M 8D Axis Liquid Fund Growth ₹3,057.2
↑ 0.50 ₹30,188 1.7 3.1 6.3 7 6.6 7.77% 2M 1D 2M 5D Aditya Birla Sun Life Liquid Fund Growth ₹442.239
↑ 0.04 ₹43,022 1.7 3.1 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 3 May 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Indiabulls Liquid Fund PGIM India Insta Cash Fund JM Liquid Fund Axis Liquid Fund Aditya Birla Sun Life Liquid Fund Point 1 Bottom quartile AUM (₹162 Cr). Bottom quartile AUM (₹650 Cr). Lower mid AUM (₹2,567 Cr). Upper mid AUM (₹30,188 Cr). Highest AUM (₹43,022 Cr). Point 2 Established history (14+ yrs). Established history (18+ 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: 6.21% (lower mid). 1Y return: 6.20% (bottom quartile). 1Y return: 6.11% (bottom quartile). 1Y return: 6.25% (top quartile). 1Y return: 6.22% (upper mid). Point 6 1M return: 0.50% (bottom quartile). 1M return: 0.52% (lower mid). 1M return: 0.52% (bottom quartile). 1M return: 0.66% (upper mid). 1M return: 0.67% (top quartile). Point 7 Sharpe: 2.65 (bottom quartile). Sharpe: 2.92 (lower mid). Sharpe: 2.05 (bottom quartile). Sharpe: 3.16 (top quartile). Sharpe: 2.95 (upper mid). Point 8 Information ratio: -0.15 (bottom quartile). Information ratio: -0.02 (lower mid). Information ratio: -1.47 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Point 9 Yield to maturity (debt): 7.48% (lower mid). Yield to maturity (debt): 5.89% (bottom quartile). Yield to maturity (debt): 6.07% (bottom quartile). Yield to maturity (debt): 7.77% (top quartile). Yield to maturity (debt): 7.73% (upper mid). Point 10 Modified duration: 0.00 yrs (top quartile). Modified duration: 0.09 yrs (upper mid). Modified duration: 0.10 yrs (lower mid). Modified duration: 0.17 yrs (bottom quartile). Modified duration: 0.18 yrs (bottom quartile). Indiabulls Liquid Fund
PGIM India Insta Cash 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.
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 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 (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. Research Highlights for Aditya Birla Sun Life Liquid Fund Below is the key information for Aditya Birla Sun Life 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 (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. Research Highlights for Nippon India Liquid Fund Below is the key information for Nippon India Liquid Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹576.838
↑ 0.03 ₹19,348 1.6 2.9 6.5 7.3 7.4 7.45% 5M 26D 7M 2D UTI Ultra Short Term Fund Growth ₹4,440.16
↓ -0.56 ₹3,130 1.5 2.7 5.9 6.7 6.6 6.76% 4M 23D 5M 19D BOI AXA Ultra Short Duration Fund Growth ₹3,312.13
↓ -0.27 ₹117 1.6 2.8 5.9 6.4 6.5 7.2% 6M 25D 6M 4D 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 ₹29.1117
↓ 0.00 ₹13,619 1.6 2.9 6.3 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 30 Apr 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 (₹19,348 Cr). Lower mid AUM (₹3,130 Cr). Bottom quartile AUM (₹117 Cr). Bottom quartile AUM (₹18 Cr). Upper mid AUM (₹13,619 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: 6.45% (top quartile). 1Y return: 5.88% (lower mid). 1Y return: 5.85% (bottom quartile). 1Y return: 4.17% (bottom quartile). 1Y return: 6.33% (upper mid). Point 6 1M return: 0.56% (lower mid). 1M return: 0.59% (top quartile). 1M return: 0.57% (upper mid). 1M return: 0.24% (bottom quartile). 1M return: 0.54% (bottom quartile). Point 7 Sharpe: 1.95 (top quartile). Sharpe: 0.70 (bottom quartile). Sharpe: 0.70 (bottom quartile). Sharpe: 0.98 (lower mid). Sharpe: 1.95 (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% (upper mid). Yield to maturity (debt): 6.76% (bottom quartile). Yield to maturity (debt): 7.20% (lower mid). Yield to maturity (debt): 3.23% (bottom quartile). Yield to maturity (debt): 7.73% (top quartile). Point 10 Modified duration: 0.49 yrs (bottom quartile). Modified duration: 0.40 yrs (upper mid). Modified duration: 0.57 yrs (bottom quartile). 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. Axis Liquid Fund
Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (01 May 26) ₹3,057.2 ↑ 0.50 (0.02 %) Net Assets (Cr) ₹30,188 on 31 Mar 26 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 3.16 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.77% Effective Maturity 2 Months 5 Days Modified Duration 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,343 30 Apr 23 ₹10,964 30 Apr 24 ₹11,764 30 Apr 25 ₹12,625 30 Apr 26 ₹13,415 Returns for Axis Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 May 26 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.1% 1 Year 6.3% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.6% 2024 7.4% 2023 7.1% 2022 4.9% 2021 3.3% 2020 4.3% 2019 6.6% 2018 7.5% 2017 6.7% 2016 7.6% Fund Manager information for Axis Liquid Fund
Name Since Tenure Devang Shah 5 Nov 12 13.41 Yr. Aditya Pagaria 13 Aug 16 9.64 Yr. Sachin Jain 3 Jul 23 2.75 Yr. Data below for Axis Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.67% Other 0.33% Debt Sector Allocation
Sector Value Cash Equivalent 66% Corporate 22.23% Government 11.44% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
CBLO | -20% -₹6,036 Cr India (Republic of)
- | -6% ₹1,732 Cr 175,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -6% ₹1,725 Cr 35,000 National Bank For Agriculture And Rural Development
Commercial Paper | -5% ₹1,488 Cr 30,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹1,238 Cr 25,000 India (Republic of)
- | -4% ₹1,224 Cr 123,560,400 Export Import Bank Of India
Commercial Paper | -3% ₹992 Cr 20,000 Tbill
Sovereign Bonds | -3% ₹992 Cr 100,000,000 Tata Steel Ltd.
Commercial Paper | -3% ₹987 Cr 20,000 HDFC Bank Ltd.
Debentures | -3% ₹986 Cr 20,000 2. UTI Liquid Cash Plan
UTI Liquid Cash Plan
Growth Launch Date 11 Dec 03 NAV (01 May 26) ₹4,503.45 ↑ 0.73 (0.02 %) Net Assets (Cr) ₹19,763 on 31 Mar 26 Category Debt - Liquid Fund AMC UTI Asset Management Company Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.25 Sharpe Ratio 3.05 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,500 Exit Load NIL Yield to Maturity 6.03% Effective Maturity 1 Month 2 Days Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,342 30 Apr 23 ₹10,959 30 Apr 24 ₹11,752 30 Apr 25 ₹12,609 30 Apr 26 ₹13,394 Returns for UTI Liquid Cash Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 May 26 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.1% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.6% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for UTI Liquid Cash Plan
Name Since Tenure Amit Sharma 7 Jul 17 8.74 Yr. Data below for UTI Liquid Cash Plan as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.66% Other 0.34% Debt Sector Allocation
Sector Value Cash Equivalent 80.02% Corporate 10.13% Government 9.51% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Current Assets
Net Current Assets | -21% -₹4,089 Cr National Bank for Agriculture and Rural Development
Commercial Paper | -5% ₹986 Cr 10,000,000,000 India (Republic of)
- | -5% ₹891 Cr 9,000,000,000 India (Republic of)
- | -4% ₹840 Cr 8,500,000,000
↑ 8,500,000,000 Bajaj Financial Securities Limited
Commercial Paper | -4% ₹747 Cr 7,500,000,000
↑ 7,500,000,000 HDFC Bank Ltd.
Debentures | -4% ₹740 Cr 7,500,000,000 HDFC Bank Ltd.
Debentures | -4% ₹739 Cr 7,500,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -4% ₹739 Cr 7,500,000,000
↑ 7,500,000,000 Union Bank of India
Domestic Bonds | -4% ₹739 Cr 7,500,000,000
↑ 7,500,000,000 Small Industries Development Bank of India
Commercial Paper | -4% ₹737 Cr 7,500,000,000
↑ 7,500,000,000 3. Aditya Birla Sun Life Liquid Fund
Aditya Birla Sun Life Liquid Fund
Growth Launch Date 30 Mar 04 NAV (30 Apr 26) ₹442.239 ↑ 0.04 (0.01 %) Net Assets (Cr) ₹43,022 on 31 Mar 26 Category Debt - Liquid Fund AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 2.95 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.73% Effective Maturity 2 Months 5 Days Modified Duration 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,341 30 Apr 23 ₹10,960 30 Apr 24 ₹11,754 30 Apr 25 ₹12,611 30 Apr 26 ₹13,395 Returns for Aditya Birla Sun Life Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 May 26 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.1% 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 2025 6.5% 2024 7.3% 2023 7.1% 2022 4.8% 2021 3.3% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Aditya Birla Sun Life Liquid Fund
Name Since Tenure Sunaina Cunha 15 Jul 11 14.72 Yr. Kaustubh Gupta 15 Jul 11 14.72 Yr. Sanjay Pawar 1 Jul 22 3.75 Yr. Data below for Aditya Birla Sun Life Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.67% Other 0.33% Debt Sector Allocation
Sector Value Cash Equivalent 70.49% Corporate 22.11% Government 7.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables / (Payables)
Net Current Assets | -21% -₹9,197 Cr Tbill
Sovereign Bonds | -6% ₹2,422 Cr 244,000,000 Tbill
Sovereign Bonds | -5% ₹2,251 Cr 226,522,000
↓ -50,000,000 India (Republic of)
- | -5% ₹1,981 Cr 200,000,000 Clearing Corporation Of India Limited
CBLO/Reverse Repo | -4% ₹1,844 Cr Indusind Bank Ltd.
Debentures | -3% ₹1,458 Cr 29,500 Punjab National Bank
Domestic Bonds | -3% ₹1,231 Cr 25,000
↑ 25,000 Canara Bank
Certificate of Deposit | -2% ₹992 Cr 20,000
↑ 20,000 Punjab & Sind Bank
Debentures | -2% ₹989 Cr 20,000 PNB Housing Finance Ltd.
Commercial Paper | -2% ₹960 Cr 19,500
↑ 19,500 4. Edelweiss Liquid Fund
Edelweiss Liquid Fund
Growth Launch Date 21 Sep 07 NAV (02 May 26) ₹3,511.49 ↑ 0.57 (0.02 %) Net Assets (Cr) ₹8,877 on 31 Mar 26 Category Debt - Liquid Fund AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 3.06 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 30 Apr 21 ₹10,000 30 Apr 22 ₹10,330 30 Apr 23 ₹10,926 30 Apr 24 ₹11,708 30 Apr 25 ₹12,559 30 Apr 26 ₹13,346 Returns for Edelweiss Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 May 26 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 3.1% 1 Year 6.3% 3 Year 6.9% 5 Year 5.9% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 6.9% 2022 4.7% 2021 3.2% 2020 4.1% 2019 6.6% 2018 7.4% 2017 6.6% 2016 6.8% Fund Manager information for Edelweiss Liquid Fund
Name Since Tenure Rahul Dedhia 11 Dec 17 8.31 Yr. Hetul Raval 22 Sep 25 0.52 Yr. Data below for Edelweiss Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.68% Other 0.32% Debt Sector Allocation
Sector Value Cash Equivalent 58.78% Corporate 29.77% Government 11.13% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Net Receivables/(Payables)
CBLO | -12% -₹1,061 Cr Axis Bank Ltd.
Debentures | -6% ₹565 Cr 57,500,000
↑ 57,500,000 Tbill
Sovereign Bonds | -5% ₹472 Cr 47,500,000 Indian Bank
Certificate of Deposit | -5% ₹444 Cr 45,000,000 India (Republic of)
- | -4% ₹346 Cr 35,000,000
↑ 35,000,000 Export-Import Bank Of India
Certificate of Deposit | -4% ₹345 Cr 35,000,000 Tbill
Sovereign Bonds | -4% ₹323 Cr 32,500,000 India (Republic of)
- | -3% ₹297 Cr 30,000,000
↑ 30,000,000 Canara Bank
Certificate of Deposit | -3% ₹296 Cr 30,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -3% ₹295 Cr 30,000,000
↑ 30,000,000 5. Nippon India Liquid Fund
Nippon India Liquid Fund
Growth Launch Date 9 Dec 03 NAV (01 May 26) ₹6,697.35 ↑ 1.09 (0.02 %) Net Assets (Cr) ₹25,756 on 31 Mar 26 Category Debt - Liquid Fund AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Low Expense Ratio 0.33 Sharpe Ratio 2.51 Information Ratio 0 Alpha Ratio 0 Min Investment 100 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.66% Effective Maturity 1 Month 25 Days Modified Duration 1 Month 21 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,337 30 Apr 23 ₹10,945 30 Apr 24 ₹11,735 30 Apr 25 ₹12,586 30 Apr 26 ₹13,365 Returns for Nippon India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 May 26 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3.1% 1 Year 6.2% 3 Year 6.9% 5 Year 6% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.3% 2023 7% 2022 4.8% 2021 3.2% 2020 4.3% 2019 6.7% 2018 7.4% 2017 6.7% 2016 7.7% Fund Manager information for Nippon India Liquid Fund
Name Since Tenure Kinjal Desai 25 May 18 7.86 Yr. Vikash Agarwal 14 Sep 24 1.55 Yr. Amber Singhania 11 Mar 26 0.06 Yr. Data below for Nippon India Liquid Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 99.72% Other 0.28% Debt Sector Allocation
Sector Value Cash Equivalent 81.34% Corporate 14.72% Government 3.66% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.63% Gs 2026
Sovereign Bonds | -4% ₹1,405 Cr 140,500,000
↑ 50,000,000 Tbill
Sovereign Bonds | -4% ₹1,244 Cr 125,665,500 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹989 Cr 20,000 Union Bank Of India
Certificate of Deposit | -2% ₹765 Cr 15,500 Reliance Retail Ventures Limited
Commercial Paper | -2% ₹741 Cr 15,000 Indusind Bank Ltd.
Debentures | -2% ₹739 Cr 15,000 Tbill
Sovereign Bonds | -2% ₹643 Cr 65,000,000
↑ 65,000,000 National Bank for Agriculture and Rural Development
Commercial Paper | -2% ₹639 Cr 13,000
↑ 13,000 Karur Vysya Bank Ltd.
Debentures | -2% ₹593 Cr 12,000 Small Industries Development Bank Of India
Commercial Paper | -2% ₹567 Cr 11,500
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.
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